bpi card travel insurance

• How can I get proof of the travel insurance coverage?

Discover More

• I want to avail of insurance coverage for my vehicle/property from another insurance company, what should I do?
• I don't want to procure any motor insurance coverage for my collateral. Can I have it cancelled?

Promoted Articles

Need more help on your BPI product?

Send us a message.

Deposits are insured by PDIC up to P500,000 per depositor.

For inquiries and comments please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.

Copyright © 2021 BPI. | All rights reserved. |  Data Privacy | Financial Consumer Protection

BPI is Regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph

To make sure that you have the best browsing experience on mobile, kindly use the latest Google Chrome, Apple Safari, or Microsoft Edge browser.

Username or Email Address

Remember Me

BPI Travel Insurance: Secure Your Journeys with Comprehensive Coverage

Traveling is an exciting experience that allows us to explore new places, create unforgettable memories, and immerse ourselves in different cultures. However, it’s essential to prioritize our safety and well-being throughout our journeys. That’s where BPI Travel Insurance comes in. With its comprehensive coverage, BPI Travel Insurance ensures that you can embark on your adventures with peace of mind, knowing that you are protected against unexpected events.

Whether you’re traveling domestically or internationally, for business or pleasure, BPI Travel Insurance has you covered. From accidents and medical emergencies to trip cancellations and lost baggage, BPI Travel Insurance provides the necessary protection to safeguard your travel experiences.

Being a cardholder of a qualified BPI Credit Card gives you eligibility for BPI Travel Insurance. Additionally, BPI Travel Insurance provides coverage for both the principal and supplementary cardholders aged 69 and below, as well as one minor dependent, aged 1 to 21 years old, when their travel fare is charged to the same card.

When unexpected events occur, you can easily make a claim by contacting BPI or submitting the required documents. BPI Travel Insurance covers various scenarios, including accidental death and permanent disablement, medical expense reimbursement, delayed and lost baggage, cancelled and delayed flights , and loss of travel documents.

Whether you choose BPI Travel Insurance or BPI/MS Travel Care Insurance, you can travel with confidence, knowing that you and your loved ones are protected by trusted insurance providers.

Key Takeaways:

• BPI Travel Insurance offers comprehensive coverage for both domestic and international travel.
• Eligibility for BPI Travel Insurance is available to BPI Credit Cardholders who have used the card to purchase travel fare.
• BPI Travel Insurance covers a range of unexpected events, including accidents, medical emergencies, trip cancellations, and lost baggage.
• Claims for BPI Travel Insurance can be made by contacting BPI or submitting the required documents.
• BPI Travel Insurance also provides coverage for accidental death and permanent disablement, medical expense reimbursement, delayed and lost baggage, cancelled and delayed flights , and loss of travel documents.

Eligibility for BPI Travel Insurance

To be eligible for BPI Travel Insurance, you must be a cardholder of a qualified BPI Credit Card and have used the card to purchase travel fare. The insurance coverage is available for both the principal and supplementary cardholders aged 69 and below at the time of travel. Additionally, one minor dependent of the cardholder, aged 1 to 21 years old, can also be covered if their travel fare is charged to the same card.

Insurance Coverage for Domestic and International Travel

When it comes to travel insurance, BPI has got you covered, whether you’re exploring local destinations or jetting off to foreign countries. With BPI Travel Insurance, you can have peace of mind, knowing that you are protected against a range of unforeseen events. Take a look at the comprehensive coverage provided:

Coverage Comparison

Travel with confidence, knowing that BPI Travel Insurance provides coverage for both domestic and international trips , allowing you to enjoy worry-free journeys.

With BPI Travel Insurance, you can rest easy knowing that you are protected against medical emergencies, trip cancellations, lost baggage, and more, no matter where your travels take you.

How to Claim BPI Travel Insurance

In the unfortunate event that you need to make a claim, BPI provides a simple and efficient process to help you get the insurance benefits you deserve. Here are two ways to initiate your claim:

• Contact BPI through their 24-hour BPI Contact Center: If you require immediate assistance or have any inquiries regarding your claim, you can reach out to BPI’s dedicated customer support team for guidance. Whether it’s an accident, medical emergency, or any other covered event, the BPI Contact Center is available round the clock to attend to your concerns.
• Submit the required documents to BPI MS Insurance Corporation Claims Department: To expedite your claim, you’ll need to gather the necessary documents specified by BPI. These may include medical reports, police reports (if applicable), proof of travel expenses, and other relevant documentation. Submitting these documents to the BPI MS Insurance Corporation Claims Department will help facilitate the processing of your claim in a timely manner.

The specific requirements for claiming your BPI Travel Insurance benefits can be found on the official BPI website . It’s important to review these guidelines to ensure a smooth and successful claim process.

Most insurance coverage provided by BPI Travel Insurance does not have a participation fee, offering you comprehensive protection without additional costs. However, it’s important to note that baggage delay and loss coverage may require a separate participation fee.

Efficient Claim Process for Your Peace of Mind

“With BPI Travel Insurance, you can travel worry-free knowing that you have a straightforward claim process in case of unexpected events. Whether you need immediate assistance or prefer to submit the required documents, BPI is committed to providing efficient and reliable support for a hassle-free claim experience.”

Accidental Death and Permanent Disablement Coverage

In the unfortunate event of accidental death or permanent disablement while traveling, BPI Travel Insurance offers valuable protection and benefits. In such circumstances, the policy provides a specified benefit amount to the insured and their beneficiaries. The actual coverage amount is determined based on the type of BPI Credit Card used for the purchase of travel fare.

This coverage ensures that in the event of an accident resulting in death or permanent disability, the insured and their loved ones receive financial support during a challenging time. It offers peace of mind knowing that you are comprehensively covered, allowing you to focus on recovery and taking care of yourself or your family.

The maximum accumulation limit per incident varies depending on the BPI Credit Card used, ensuring that the coverage aligns with the cardholder’s specific travel needs. Furthermore, the benefit amount is distributed equally among eligible cardholders and their beneficiaries, providing a fair distribution of support.

Travel insurance benefits such as accidental death and permanent disablement coverage are essential components of BPI Travel Insurance, giving you the confidence to explore the world while knowing that you are protected against unforeseen circumstances.

Key Points:

In the event of accidental death or permanent disablement, BPI Travel Insurance provides a specified benefit amount. The coverage amount depends on the type of BPI Credit Card used for the travel fare purchase. The maximum accumulation limit per incident varies and is distributed equally among eligible cardholders and their beneficiaries.

Medical Expense Reimbursement

Travel insurance benefits extend beyond covering unexpected events like trip cancellations and lost baggage. BPI Travel Insurance also provides coverage for medical expenses incurred due to accidental injuries while you are on board an airline or other modes of transportation. With BPI Travel Insurance, you can have peace of mind knowing that you are protected against unforeseen medical emergencies during your travels.

Key Benefits:

• Reimbursement for medical, surgical, and hospital charges
• Emergency dental treatment coverage

While BPI Travel Insurance offers robust coverage for accidental injuries, it’s important to note that it does not provide reimbursement for medical expenses related to illnesses. Make sure to take necessary precautions and seek medical advice before your travels to minimize the risk of falling ill.

With affordable travel insurance like BPI Travel Insurance , you can enjoy your journeys worry-free, knowing that you have the necessary coverage for any accidental injuries that may occur while on the move. Now, let’s take a closer look at the coverage for delayed and lost baggage in the next section.

Delayed Baggage and Loss of Baggage Coverage

One of the benefits of BPI Travel Insurance is the coverage it provides for delayed baggage and loss of baggage. We understand how inconvenient it can be when your checked-in baggage is delayed for more than 12 hours or lost due to theft or damage. That’s why BPI Travel Insurance has got you covered.

If your baggage is delayed for more than 12 hours, you can be reimbursed for the cost of necessary clothing expenses while you wait for your luggage to arrive. We want to make sure that you have everything you need during your trip, even if your baggage is temporarily unavailable.

Additionally, if your checked-in baggage is lost due to theft or damage, you can also be reimbursed for the value of the lost items. It provides peace of mind knowing that you won’t have to bear the financial burden of replacing your belongings.

Please note that this coverage only applies to checked-in baggage and does not include lost hand-carry baggage. It’s important to keep your personal items with you at all times to ensure their safety.

With BPI Travel Insurance, you can travel with confidence knowing that we have your back in case of delayed baggage or loss of baggage.

Key Coverage Points:

• Reimbursement for necessary clothing expenses in case of delayed baggage for more than 12 hours
• Reimbursement for the value of lost checked-in baggage due to theft or damage
• This coverage does not include lost hand-carry baggage

Cancelled and Delayed Flight Coverage

If your flight is cancelled or delayed for more than 12 hours, BPI Travel Insurance has got you covered. We understand that unexpected flight changes can be a hassle and incur additional expenses. That’s why our travel insurance benefits extend to provide coverage for the costs of hotel accommodation and meals during these situations.

Even if the airline or carrier offers alternative arrangements, you can still rely on us to reimburse you for the expenses incurred due to the flight cancellation or delay. Our goal is to give you peace of mind and ensure that you don’t have to bear the full financial burden of unexpected flight changes.

With BPI Travel Insurance, you can confidently navigate the uncertainties of travel knowing that you have the best travel insurance by your side.

Traveling can be full of surprises, but with our comprehensive coverage and dedicated customer support, you can enjoy your journeys worry-free. Don’t let flight cancellations or delays ruin your travel plans. Choose BPI Travel Insurance and experience the benefits of having the best travel insurance provider on your side.

Loss of Travel Documents Coverage

One of the greatest nightmares for travelers is the loss or theft of important travel documents like passports and visas. It can quickly turn a dream vacation into a logistical nightmare.

With BPI Travel Insurance, you can rest easy knowing that you’re covered in case of such unfortunate incidents. BPI Travel Insurance provides coverage for the costs of replacing lost travel documents, including passports and visas.

The coverage extends to the actual cost of passport replacement, ensuring that you won’t have to bear the financial burden of acquiring new travel documents. This valuable benefit offers you peace of mind and the confidence to continue exploring the wonders of your travel destination.

Whether you accidentally misplace your passport or encounter theft during your travel in the Philippines , BPI Travel Insurance has got you covered. No need to worry about the time and expenses involved in replacing your travel documents; simply contact BPI to initiate your claim process.

Remember, losing your travel documents can be stressful, but BPI Travel Insurance will help ease the burden and ensure a smoother journey.

Key Benefits of Loss of Travel Documents Coverage

• Protection against the financial costs of replacing lost or stolen passports and visas
• Peace of mind knowing that you won’t have to navigate the complex process and expenses of obtaining new travel documents
• Quick and efficient claim process through BPI Travel Insurance
• 24/7 customer support to assist you through the necessary steps in replacing your travel documents
• Convenient coverage for both domestic and international travel

BPI/MS Travel Care Insurance

Looking for another reliable travel insurance option? Consider BPI/MS Travel Care Insurance, offered by BPI. With its comprehensive coverage and affordable rates, BPI/MS Travel Care Insurance is an excellent choice for travelers .

With BPI/MS Travel Care Insurance, you can travel with confidence and have peace of mind knowing that you are protected anywhere in the world. Whether you’re planning a domestic getaway or an international adventure , BPI/MS Travel Care Insurance has got you covered.

To learn more about the benefits and coverage of BPI/MS Travel Care Insurance , visit the BPI website today and make sure your upcoming journey is protected.

Additional Benefits of BPI/MS Travel Care Insurance

BPI/MS Travel Care Insurance goes beyond basic coverage to provide you with additional benefits that enhance your travel experience. With this comprehensive insurance, you can have peace of mind and enjoy a worry-free journey.

Hospital Cash Benefits

In the unfortunate event that you require hospitalization during your trip, BPI/MS Travel Care Insurance provides hospital cash benefits. This coverage helps alleviate the financial burden by providing a daily cash allowance for each day spent in the hospital.

Personal Liability Coverage

Accidents can happen, even when you’re traveling. BPI/MS Travel Care Insurance offers personal liability coverage, which protects you in case you unintentionally cause bodily injury or property damage to others. This coverage provides financial support for legal expenses and liability settlements.

Emergency Medical Evacuation

If you experience a medical emergency during your trip and need to be transported to a better-equipped medical facility, BPI/MS Travel Care Insurance covers emergency medical evacuation expenses. This coverage ensures that you receive timely and appropriate medical care, regardless of where you are.

Repatriation of Mortal Remains

In the unfortunate event of your untimely passing while traveling, BPI/MS Travel Care Insurance provides coverage for the repatriation of your mortal remains. This benefit ensures that your remains are respectfully and safely transported back to your home country.

Delayed Departure, Missed Travel Connections, and Loss of Passport

BPI/MS Travel Care Insurance also offers coverage for delayed departure, missed travel connections, and loss of passport. If your flight is delayed or you miss a connecting flight , this coverage helps reimburse additional expenses incurred during the delay. In case of loss or theft of your passport, the insurance provides support for the replacement process.

With BPI/MS Travel Care Insurance, you can explore the world with confidence, knowing that you have comprehensive coverage that takes care of you in unexpected situations.

BPI Travel Insurance and BPI/MS Travel Care Insurance are the perfect options for travelers seeking comprehensive coverage and peace of mind. Whether you opt for BPI Travel Insurance or BPI/MS Travel Care Insurance, you’ll reap the benefits of having insurance protection against unforeseen events that could disrupt your trip. With these trusted insurance providers, you can travel confidently, knowing that you and your loved ones are safeguarded.

Don’t let unexpected circumstances ruin your travel experience. BPI Travel Insurance offers reliable coverage for accidents, medical emergencies, trip cancellations, and lost baggage. Meanwhile, BPI/MS Travel Care Insurance goes the extra mile by also providing hospital cash benefits, personal liability coverage, emergency medical evacuation, repatriation of mortal remains, and more.

Travel with peace of mind, knowing that you’re protected by BPI’s trusted insurance providers. Whether you’re embarking on a domestic getaway or exploring international destinations, BPI Travel Insurance and BPI/MS Travel Care Insurance have you covered. Don’t let the unexpected catch you off guard—choose BPI for comprehensive travel insurance benefits.

Who is eligible for BPI Travel Insurance?

What does bpi travel insurance cover.

BPI Travel Insurance provides coverage for both domestic and international travel. It covers medical expenses, trip cancellations, lost baggage, and other unforeseen events that may occur during your trip.

How do I claim BPI Travel Insurance benefits?

In the unfortunate event that you need to make a claim, you can contact BPI through their 24-hour BPI Contact Center or submit the required documents to BPI MS Insurance Corporation Claims Department. The specific requirements for claiming the insurance benefits can be found on the BPI website . There is no participation fee for most insurance coverage, except for baggage delay and loss.

Does BPI Travel Insurance cover accidental death and permanent disablement?

Yes, in the event of accidental death or permanent disablement while traveling, BPI Travel Insurance provides a specified benefit amount. The maximum accumulation limit per incident depends on the type of BPI Credit Card used for the travel fare purchase. The coverage amount is divided equally among eligible cardholders and their beneficiaries.

Does BPI Travel Insurance cover medical expenses for illnesses?

No, BPI Travel Insurance covers medical expenses incurred due to accidental injuries while on board an airline or other modes of transportation. It does not provide reimbursement for medical expenses related to illnesses. The coverage includes medical, surgical, and hospital charges, as well as emergency dental treatment.

Does BPI Travel Insurance cover delayed and lost baggage?

Yes, BPI Travel Insurance offers coverage for delayed baggage and loss of baggage. If your checked-in baggage is delayed for more than 12 hours or lost due to theft or damage, you can be reimbursed for the cost of necessary clothing expenses. Please note that this coverage does not include lost hand-carry baggage.

Does BPI Travel Insurance cover cancelled and delayed flights ?

Yes, if your flight is cancelled or delayed for more than 12 hours, BPI Travel Insurance provides coverage for additional expenses incurred, such as hotel accommodation and meals. This coverage applies even if the airline or carrier provides alternative arrangements, giving you peace of mind knowing that you won’t have to bear the full cost of unexpected flight changes.

Does BPI Travel Insurance cover loss of travel documents?

Yes, BPI Travel Insurance covers the costs of replacing lost travel documents, including passports and visas. The coverage is limited to the actual cost of passport replacement. This ensures that you won’t be financially burdened in case of lost or stolen travel documents.

What is BPI/MS Travel Care Insurance ?

BPI/MS Travel Care Insurance is another travel insurance option provided by BPI. It offers comprehensive coverage for medical expenses, loss of baggage, trip cancellations, and other qualified losses during your trip. With BPI/MS Travel Care Insurance, you can travel with confidence and have peace of mind knowing that you are protected anywhere in the world.

What are the additional benefits of BPI/MS Travel Care Insurance?

BPI/MS Travel Care Insurance provides additional benefits such as hospital cash benefits, personal liability coverage, emergency medical evacuation, and repatriation of mortal remains. It also offers coverage for delayed departure, missed travel connections, and loss of passport. With BPI/MS Travel Care Insurance, you can have a worry-free travel experience.

Which travel insurance option should I choose, BPI Travel Insurance or BPI/MS Travel Care Insurance?

Both BPI Travel Insurance and BPI/MS Travel Care Insurance are reliable options for individuals who want comprehensive coverage and peace of mind during their travels. Whether you choose BPI Travel Insurance or BPI/MS Travel Care Insurance, you can enjoy the benefits of having insurance protection against unexpected events that may disrupt your trip. Travel with confidence knowing that you and your loved ones are covered by BPI’s trusted insurance providers.

Source Links

• https://bpims.com/product/travel-care-insurance/
• https://www.bpi.com.ph/personal/insurance
• https://www.bpi.com.ph/personal/cards/credit-cards/travel-insurance-faqs

Hello! I'm Wise, a Filipina with a deep love for my country and a passion for sharing its beauty with the world. As a writer, blogger, and videographer, I capture the essence of the Philippines through my eyes, hoping to give foreign visitors a true taste of what makes these islands so special.

From the vibrant streets of Manila to the tranquil beaches of Palawan, my journey is about uncovering the hidden gems and everyday wonders that define the Filipino spirit. My articles and blogs are not just travel guides; they are invitations to explore, to feel, and to fall in love with the Philippines, just as I have.

Through my videos, I strive to bring the sights, sounds, and stories of my homeland to life. Whether it's the local cuisine, the colorful festivals, or the warm smiles of the people, I aim to prepare visitors for an authentic experience.

For those seeking more than just a vacation, the Philippines can be a place of discovery and, perhaps, even love. My goal is to be your guide, not just to the places you'll visit, but to the experiences and connections that await in this beautiful corner of the world. Welcome to the Philippines, through my eyes. Let's explore together!

You may also like

Discover Luxury and Tranquility at Henann Prime Beach Resort

Lime Resort El Nido: Your Perfect Getaway in El Nido

Royce Hotel and Casino: A Luxury Experience in Las Vegas

Add comment, cancel reply.

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Want Flight, Hotel, and Restaurant Discounts for Your Philippines Trip? Join Below!

Email address:

• Life and Health
• Asset Protection
• Travel Care

Education and Pension Plans

Enjoy each moment now and worry less about tomorrow with insurance plans suited for your needs.

Rest easy knowing your accomplishments are protected from whatever life may throw at you.

Make your travel even more enjoyable with peace of mind knowing we got you and your family covered.

For existing planholders, be guided on the different forms and requirements needed for your education and pension plan transactions with Ayala Plans, Inc.

• Help & Support
• Scheduled Maintenance
• Branch Contact Information
• @talktobpi

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

• Savings Accounts
• Checking Accounts
• Time Deposit Accounts
• Personal Loan
• Ka-Negosyo Loan
• Car Marketplace
• Real Estate Listings
• Credit Cards
• Debit Cards
• Prepaid Cards
• Unit Investment Trust Funds
• Fixed Income Securities
• Mutual Funds
• Foreign Exchange
• Pay Bills and More
• Send Money Abroad
• Remit to the Philippines
• Transfer Funds
• Insure and Save
• Digital Banking Overview
• Partner Apps and Websites
• In the Branch
• Over the Phone
• Through the ATM/CAM
• Investor Relations
• Sustainability
• Disclosures

Once you leave our page, you’ll be covered by the policy and security measures of the site you are visiting.

• Dec 6, 2023

Review: BPI Visa Signature credit card

Being one of the biggest banks in the Philippines, BPI surprisingly has limited credit card options with a total of only 10 credit cards. I only. Here is what I think about BPI's best credit card the Visa Signature.

I first got this card in 2019 when it was offered to me with a 3-year waived annual fee for being a BPI-preferred client. I thought it was a pretty good deal since most banks only offer the first year of the annual fee to be waived for their best cards. Of course, the more basic credit cards have free annual fee-for-life promos but the perks and rewards of those cards are minimal.

Related: BDO American Express Explorer credit card review

Spend-to-mile ratio

If you know me then you know that I almost only get travel credit cards, and the most important thing about a travel credit card is its spend-to-mile ratio because that's how we can get free flights.

BPI recently underwent a change with its rewards program. Points earned used to be called Real Thrills Reward points and Real Thrills Rewards Premium points, it's a mouthful to say and a horrible way to name them, to be honest. Good thing they simplified it to BPI points.

So the BPI Visa Signature's earn rate is 2 BPI points for every ₱20 spend, which is the best among the BPI credit cards right now. But points to miles is not always 1 is to 1. I've gone through the tedious task of calling BPI to get the updated redemption values for the 3 airlines BPI partners with since it can't be found on their website.

Philippine Airlines - 16,000 BPI points for every 1,000 Mabuhay Miles

₱160 spend for 1 Mabuhay Mile

Singapore Airlines - 25,000 BPI points for every 1,000 KrisFlyer Miles

₱250 spend for 1 KrisFlyer Mile

AirAsia - 8,000 BPI points for every 1,000 AirAsia points

₱80 spend for 1 AirAsia point

(10 working days processing time)

As you can see above the earn rate is absolutely abysmal. This wasn't the case before and the earn rate was pretty good before. Read about my old review of the BPI Visa Signature

I currently have 192,958 BPI points accumulated over the past couple of years as seen here on the VYBE app by BPI (which sucks). If I were to convert that to Mabuhay Miles, I would only get 12,000 Mabuhay Miles which really isn't much considering I spent ₱1.9M and I can only redeem it for roughly a roundtrip flight from Cebu and Manila.

Lounge access

Unlimited lounge access is granted in the PAGSS lounges in NAIA T1 and T3 with one companion. The PAGSS lounge in T1 is decent, to say the least, but the one in T3 is basically a small room dark room with just 2 food choices, soft drinks, coffee, and tea. Still better than waiting in the boarding gate I guess and at least the wifi was good.

Low foreign transaction fee

A bright side of the card is its low foreign transaction fee of just 1.85% compared to other credit cards here in the Philippines. This makes it nice to use when you're abroad or when you're buying something online with a different currency.

Travel Insurance

The Visa Signature card does have a ₱20M free travel insurance if you book your travel with the card, but I do suggest booking a separate travel insurance and not relying on the free credit card insurance as they are usually loaded with very specific fine prints that may make you ineligible. Claiming can be a pain in the butt as well so make sure you read the terms and conditions first.

Visa Luxury Hotel Collection

Visa's counterpart to the hotel section of Mastercard's Travel and Lifestyle Services, The Visa Luxury Hotel Collection enables you to get elite status-like benefits at participating luxury hotels worldwide.

Standard perks include:

Best rate guaranteed

Room upgrade upon arrival, when available

$25 or food and beverage credits

Complimentary breakfast for 2

Late check-out, when available

VIP guest status*

*varies per property

As somebody who likes staying in nice hotels it's an amazing perk to have. I have however never tried booking through the Visa Luxury Hotel Collection since I prefer the Mastercard Travel and Lifestyle version. You can read more about my experience with the Mastercard equivalent here .

Other Visa Signature perks

Include specific Visa promos in participating stores, restaurants, and websites as well as concierge and airport meet & greet services, which I think most of us won't ever use since it's just a discount.

It's a sad fall from what was once a good travel card to a below-average travel credit card. Lounge access is only at PAGGS lounges in 2 locations and the spend to mile earn rate is horrible. Match that with the heavy annual fee of ₱5,500 and it just isn't worth it unless you shop a lot abroad and make back the annual fee through savings with the low foreign transaction fees.

My personal advice is it's a horrible way to earn airline miles and if you're paying the annual fee it's not worth having.

Follow me on Instagram @gerald.quintos to see what I'm up to!

Check out The Points Society playlist on Youtube .

• Credit Cards

Recent Posts

The Fallen Angel of Philippine Travel Credit Cards

My Mid Year Travel Strategy

UnionBank's Newest Credit Cards

2 comentários

Check the miles conversion again sa BPI website, they have bonus miles if your using BPI Sig. The conversion of peso to miles is Php 50.

Thanks for this review. What would you consider to be the best travel card now?

• Best Overall Travel Insurance
• Get Travel Insurance Quotes
• Methodology

Best Travel Insurance in California: Top Plans for Your Next Trip

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Whether you're road-tripping to Palm Springs or passing through LAX to catch a flight around the world, the best travel insurance companies for Californians offer comprehensive coverage options for a wide range of people and needs.

For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in California. 

Best Travel Insurance Companies in California

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports: World Nomads Travel Insurance

Nationwide Travel Insurance

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide travel insurance review .

AXA Assistance USA

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA travel insurance review .

Travel Guard

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard travel insurance review .

C&F Travel Insured

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Tin Leg Travel Insurance

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg travel insurance review .

WorldTrips Travel Insurance

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips travel insurance review .

Trawick International Travel Insurance

Trawick offers low premiums across its five plans, most of which offer coverage for pre-existing conditions. You'll find robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company also offers high medical evacuation coverage limits, up to $1,000,000.

Read our Trawick travel insurance review .

Travelex Travel Insurance

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

World Nomads Travel Insurance

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list, travel medical insurance capping out at $100,000. It also isn't the most flexible provider, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads travel insurance review .

Get Travel Insurance Quotes in California

Faqs about the best travel insurance in california.

There isn't one best travel insurance company; there are many great providers on the travel insurance market today. Our overall winner was Nationwide for its breadth of coverage options. AIG Travel Guard, AXA, Berkshire Hathaway, Tin Leg, WorldTrips and Trawick also made the cut. The best pick for you will depend on what features you value the most, like a low premium or high coverage limits.

While coverage varies by policy, common exclusions often include pre-existing medical conditions (unless you have purchased a waiver), accidents caused by high-risk activities if not specifically covered (e.g., skydiving, scuba diving), travel for medical procedures, and events known before purchasing the policy (e.g., traveling during a pandemic). Always read your policy carefully to understand the exclusions.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

The best travel insurance for adventure sports is World Nomads , which covers over 300 sports in its base plan.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

• Retail investing
• The stock market
• Debt management
• Credit scores
• Credit bureaus
• Identity theft and protection

• Main content

Travelers are vulnerable: Here’s how to keep your money safe while traveling

Travel activity is on the rise as more Americans are on the go this year and engaging in so-called “revenge travel” to make up for trips not taken during the pandemic lockdown. By all means enjoy these trips, but also remember to stay safe — and that includes keeping your money secure while you’re out and about.

While cards are a staple for financial transactions, there may be circumstances where it’s appropriate to carry actual cash as well. Here are some tips on how to keep your money safe while you enjoy your travels.

Key cost of traveling statistics

• Travel and tourism accounted for 7.6 percent of global GDP in 2022 ( World Travel & Tourism Council )
• Attempts at digital fraud have gone up 80 percent from 2019 to 2022, as the number of digital transactions rose during the pandemic. The travel and leisure industry has been particularly hard hit, with a 117 percent rise in digital fraud attempts over this period. ( TransUnion )
• There were 440,631 reports of credit card identity theft fraud in 2022 ( Federal Trade Commission )
• Payment card fraud losses worldwide are projected to cumulate to $397 billion worldwide by 2031 ($165 billion for the U.S.), from more than $32 billion for 2021 ( Nilson Report )
• In 2021, there were about 54,000 cases of credit card fraud related to consumers on vacation ( Federal Trade Commission )
• Some pickpocketing hotspots globally (based on tourist reviews that mention pickpockets) are Barcelona, Paris and Rome ( money.co.uk )

Stick to credit cards…

One way to stay financially safe while traveling is to use credit cards . They come with zero liability protection in case your card is stolen or compromised, as well as other consumer protections. For one, you can dispute fraudulent charges and billing issues. If you use debit cards, you will have fewer protections and could find yourself on the hook for losses (though you’ll still want to keep a debit card with you for withdrawing cash at ATMs).

Different credit cards offer various travel perks (such as free lounge access, lost luggage compensation and travel insurance), so it can be a good idea to take two or more cards that align with your needs. It’s also smart to have more than one card handy in case you lose one. Cards issued by the Visa and Mastercard networks tend to have wider global acceptance than those issued by American Express and Discover.

As a safety measure, make copies of your cards to store your card information for reference in case you lose your physical cards. Don’t rely on using a mobile wallet rather than your physical cards, in case you lose your phone while traveling.

…But hold some cash, just in case

Even though it’s safer to rely primarily on credit cards, it’s still a good idea to have some cash available as a backup — and not just because it’ll come in handy if your cards are stolen. Smaller restaurants and retailers might insist on cash, and you could need cash to pay for smaller transactions with street vendors. Also, if you’re somewhere off the beaten path, cash is likely to be a more readily accepted mode of payment.

You can pick up cash before traveling by exchanging your U.S. dollars for the currency of your destination, for a fee, at a bank or credit union. At your destination, you can also get local currency at an ATM or at the airport right after your arrival (though, if you have to use an ATM, take the time to find one in a safe location).

That said, when you do carry cash, keep it safe. Opt for a money belt you can wear around your stomach, which can help you store your cash in an inconspicuous manner.

Let your bank know you’re traveling

Before heading out on your travels, notify your bank of your travel plans — especially if you’ll be traveling abroad. That way, it will know not to decline transactions that seem suspicious. You can do this over the phone, by contacting a representative or online.

Keep in mind that banks often utilize fraud prevention measures that could be triggered if they see activity on your card account that isn’t in line with your typical spending patterns. Your issuer could then suspend your account while contacting you to verify the charge, potentially putting you in a tough position while traveling.

Since you don’t want to have a card transaction declined unexpectedly and be left without any means of paying for your purchase, keep your bank informed about your travel plans. Then, when it sees any charges you make while miles away from your homebase, there shouldn’t be an issue.

Set up account alerts

While notifying your bank of your plans, see if you can sign up for credit card account alerts at the same time. When you set up purchase alerts, you’ll get text, email or push notifications whenever your card is used. Then, if your card is somehow compromised and someone uses it for an unauthorized transaction, you’ll know about it in time to take action.

If you get a notification about a transaction you don’t recognize, immediately notify your issuer so that it can look into the matter and freeze the card if necessary.

Freezing your credit may also be a good idea, so that no one can fraudulently open credit card accounts in your name while traveling. If needed, all three credit bureaus — Experian, Equifax and TransUnion — allow you to briefly thaw your credit freezes in order to apply for credit. Once the thaw period expires, your credit will be re-frozen, protecting you while you’re away.

Be on the lookout for scammers

Tourists on vacation can be an easy target for scammers, which is why it’s important to be watchful of your belongings and cash.

One popular scam is credit card skimming . This is common at gas stations and other places that have ATMs, as ATMs can be set up to capture your card information and enable scammers to use it for fraudulent transactions.

To protect yourself, prevent people nearby from seeing your personal identification number (PIN) when you enter it at the ATM. Further, don’t give your passport or credit cards as a security deposit to tour operators or others, and avoid overindulging at local bars. Doing so can cause your judgment to be compromised, allowing unscrupulous people to take advantage of you.

Pickpockets also present a hazard to unsuspecting tourists. Based on tourist reviews, popular tourist spots such as Barcelona, Paris and Rome tend to attract pickpockets looking to prey on tourists, so be careful in these types of destinations. Pickpockets may operate alone or in a team, with one person distracting you while their partner looks to take your wallet.

Be watchful when shopping with street vendors too, as they could compromise your credit card or give you incorrect change. And while most merchants are reputable, some may well team up with pickpockets and distract you while their partners ply their trade on you.

Consider getting travel insurance

You may also be wondering if travel insurance is worth it. This sort of insurance offers protection against medical emergencies, trip cancellations and lost baggage.

However, note that a number of credit cards also come with travel insurance benefits that protect you from the fallouts of canceled flights (including a potential hotel stay) or lost baggage, assuming you use the card to book your travel. Medical expenses that your health insurance won’t pick up could also be covered by your credit card’s travel insurance.

If you’re on an extended international trip, though, it may be a good idea to take out a separate travel insurance policy. These types of policies are available on a one-off or annual basis, and they can be used to cover any shortfalls between your card’s travel insurance and your medical insurance. Take the time to evaluate any travel insurance or card benefits you already have access to before deciding whether a standalone policy will be worthwhile.

What to do if you’re robbed abroad

As a tourist, you may be vulnerable to being robbed. Be especially careful when you’re in a crowded area, as pickpockets could sense an opportunity to take advantage of you. That said, it may not even be a physical assault that you fall victim to. You could have your card information or other sensitive personal information stolen if you use unsecured public wi-fi, use an ATM with a card skimmer or lose your cards.

To minimize the impact of an attack, don’t carry more cash than you anticipate needing for the day. Also, be careful with your mobile phone, as it contains a lot of information about you, potentially including your credit card and bank information.

In case you do end up getting robbed, immediately contact the local police station and file a report. You should also get a copy of this report for when you file an insurance claim. If your credit card is stolen, get in touch with your bank — and if it’s your passport that thieves get away with, get in touch with the nearest U.S. embassy ASAP.

If your credit card information or other personal information is compromised, it’s also a good idea to keep a watch on your credit report (assuming it hasn’t already been frozen). That way, you’ll know right away if a fraudster takes out credit in your name.

Frequently asked questions

It’s a good idea to get a money belt that is inconspicuous and stores money and other documents close to your body. You should also make a copy of your passport to store at your hotel, along with any extra cash. Take a picture of your passport to store on your phone, too.

Travel insurance typically takes care of expenses you might incur due to flight cancellations and lost baggage. It may also cover the costs incurred as a result of medical issues, depending on the type of policy you take out. Look into the specifics of any travel insurance you purchase, and keep in mind that some credit cards offer travel insurance as a benefit that could cover your needs without requiring a separate travel insurance policy.

Hotel safes are a backup place to store your money, documents and other valuables within your hotel room. On the whole, they tend to be safe. However, it’s still a good idea to do your research and select a hotel that hasn’t had complaints about stolen property, as well as having a backup plan for each item you plan to store in the safe in case it is compromised.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Discover It® Cash Back Discover It® Student Chrome Discover It® Student Cash Back Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Cards Best Discover Cards Best American Express Cards Best Visa Credit Cards Best Bank of America Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Roth IRAs Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Debt relief Best debt management Best debt settlement Do you need a debt management plan? What is debt settlement? Debt consolidation vs. debt settlement Should you settle your debt or pay in full? How to negotiate a debt settlement on your own
• Debt collection Can a debt collector garnish my bank account or my wages? Can credit card companies garnish your wages? What is the Fair Debt Collection Practices Act?
• Bankruptcy How much does it cost to file for bankruptcy? What is Chapter 7 bankruptcy? What is Chapter 13 bankruptcy? Can medical bankruptcy help with medical bills?
• More payoff strategies Tips to get rid of your debt in a year Don't make these mistakes when climbing out of debt How credit counseling can help you get out of debt What is the debt avalanche method? What is the debt snowball method?
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Climate Change
• Corrections Policy
• Sports Betting
• Coach Salaries
• College Basketball (M)
• College Basketball (W)
• College Football
• Concacaf Champions Cup
• For The Win
• High School Sports
• H.S. Sports Awards
• Scores + Odds
• Sports Pulse
• Sports Seriously
• Women's Sports
• Youth Sports
• Celebrities
• Entertainment This!
• Celebrity Deaths
• Policing the USA
• Women of the Century
• Problem Solved
• Personal Finance
• Consumer Recalls
• Video Games
• Product Reviews
• Home Internet
• Destinations
• Airline News
• Experience America
• Great American Vacation
• Ingrid Jacques
• Nicole Russell
• Meet the Opinion team
• How to Submit
• Obituaries Obituaries
• Contributor Content Contributor Content

Personal Loans

Best personal loans

Auto Insurance

Best car insurance

Best high-yield savings

CREDIT CARDS

Best credit cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

Travel insurance for UK trips

Amy Fontinelle

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 5:00 a.m. UTC Aug. 14, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Grafissimo, Getty Images

• Travel insurance for a U.K. trip can be indispensable if you need serious emergency medical care while traveling.
• A standalone travel insurance plan can offer more comprehensive benefits and higher limits than your credit card or a travel provider’s plan.
• Buying a policy shortly after booking your trip will give you the best protection against trip cancellation and interruption.

Visiting the United Kingdom as an American can be a pricey proposition. Not only will you be flying overseas, but the exchange rate is perpetually unfavorable. If you have a U.K. trip on the horizon, you may want to purchase travel insurance to protect yourself against financial losses due to unforeseen events that could affect your trip.

Key benefits of having travel insurance for the U.K. 

Whether you’re visiting England, Northern Ireland, Scotland or Wales, you’ll face some different risks than you would at home in the U.S.

A comprehensive travel insurance policy can help. It bundles together several types of coverage, including:

• Trip cancellation insurance .
• Trip delay insurance .
• Trip interruption insurance .
• Baggage insurance .
• Travel medical insurance .
• Emergency evacuation insurance .

Here are some ways U.K. travel insurance can protect you financially, as well as where it may fall short.

Trip cancellation insurance

Trip cancellation insurance can reimburse you for what you’ve spent on prepaid, nonrefundable plane fare, accommodations, tours and other travel expenses, as long as you’re canceling your trip for a reason listed in your policy. These covered reasons could include you getting sick or injured, your employer requiring you to work after granting time off or a blizzard canceling flights before you leave.

You must buy your policy well in advance to take full advantage of these benefits, however.

“If you wait until there’s an event impacting the destination, such as a severe winter storm, it’s then too late to buy travel insurance and your prepaid expenses won’t be covered,” said Daniel Durazo, director of external communications at Allianz Partners USA.

Delays on your U.K. trip

Travel delay insurance helps if you’ve started your trip and encounter flight delays or cancellations. It can’t rescue you from the hell of being trapped on the tarmac for hours, but it can provide other helpful benefits.

“Travel delay coverage may help cover the cost of rerouting you to your final destination, or can provide meals and accommodations while you wait,” Durazo said.

While U.K. law and Article 19 of the Montreal Convention do entitle passengers to benefits under certain circumstances, the coverage provided by travel insurance is typically broader.

For example, travel insurance would reimburse you for prepaid expenses such as a hotel night you can’t use or a tour you can’t go on because of the delay. It would reimburse losses from delays unrelated to air travel.

Tackling trip interruption

Depending on the travel insurance policy, trip interruption coverage can reimburse 100% to 200% of your nonrefundable prepaid costs if something goes wrong after you depart or if you have to join your trip late for a covered reason. These reasons may include a natural disaster at your destination, a terrorist attack, a strike or a family member’s unexpected illness (even if they aren’t traveling with you).

Dealing with lost bags and stolen belongings

If your luggage or personal belongings are lost, stolen or damaged during your trip, travel insurance can reimburse you for your losses. But baggage insurance is typically secondary coverage, so you’ll need to seek reimbursement from a common carrier, such as the airline that lost your bag, before turning to your travel insurance for help.

If you experience a baggage loss while traveling, read your policy and follow the steps your insurer requires. These might include notifying the airline that your bag is missing or reporting stolen items to the local authorities.

Handling medical bills in the U.K.

How important is it to have travel medical insurance , included in a comprehensive travel insurance policy, when visiting the U.K.? You might think you could just use your U.S. health insurance or the U.K.’s free universal healthcare through the National Health Service (NHS) if you had a problem, but this could be a costly assumption.

“Many domestic health insurance plans don’t cover medical expenses abroad, and some foreign medical facilities and providers may even require a cash payment up front and often do not accept U.S. insurance plans,” Durazo said.

For example, American visitors to England must pay upfront for most types of medical treatment, and the cost is 150% of standard NHS rates. In March 2022, a long hospital stay could have cost you more than ￡4,400 (about $5,586).

Medicare generally does not cover international health care. However, some Medigap supplement plans do, so check your existing coverage and see how it compares to what trip insurance offers. Travel medical insurance can offer incredible value for your money, with features like no deductible and 100% coverage up to $1 million for a few dollars per day.

Evacuation for serious medical issues

Should you require a medical flight to get the care you need while visiting the U.K., the money you spent on travel insurance could save your life. It could allow you to recover without the stress of exorbitant evacuation and repatriation bills.

Look for a travel insurance plan that will pay to fly you back home — not just to the nearest “capable” hospital, which may not be your best option for treatment. Even if your U.S. health insurance works abroad, it may not include this coverage.

Travel Insured

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

What is the cost of U.K. travel insurance?

Travel insurance for a U.K. trip will cost about 5% to 6% of the total of your prepaid, nonrefundable trip costs. However, other factors, such as the ages of travelers and the length of your trip, will also impact the price. For instance, the average cost of U.K. travel insurance for a family of four (ages 40, 40, 10 and 7) taking a 17-day, $15,000 trip is $629. But if you’re taking a shorter, cheaper trip with fewer travelers, you’ll likely be able to find cheaper travel insurance .

Tips for choosing the right U.K. travel insurance

Many companies offer travel insurance, and the selection can feel overwhelming — especially if you’ve never bought this type of coverage before. These tips can help you choose the right company and plan.

Understand your risks

“One mistake travelers can make is assuming their domestic health insurance will cover them no matter where they are in the world,” Durazo said. In many cases, this isn’t true.

It’s also common to assume that your credit card provides all the travel insurance you might need.

Standalone travel plans tend to be more comprehensive. They may also have higher limits and shorter waiting periods for time-sensitive benefits.

Comparison shop

Coverage limits and exclusions vary by provider and by plan. Also, more expensive plans aren’t always better. Comparison sites can help you quickly understand the differences among plans.

Read the policy

Don’t just read the coverage summary. It’s important to understand the fine print and whether you’re financially protected against the risks you’re concerned about.

Travel insurance comparison sites often make it easy to review the full policy (sometimes called a plan certificate) before you buy. And most companies offer a “free look” period after you buy a policy, so you have time to request a refund if you read through it and decide it doesn’t provide adequate coverage.

The policy will also show you which insurer actually provides the coverage—it might be different from the company selling you the travel insurance plan. Check the underwriting insurer’s financial strength rating to make sure they’ll be around to reimburse you if you need to file a claim.

Evaluate travel insurance reviews

It can be tricky to tell real, unbiased reviews from fake or paid reviews. But if you read enough of them, you’ll likely get a sense of which reviews are more likely to be trustworthy and which companies have the best reputations. Keep in mind, bad reviews are often the result of customer misunderstandings regarding coverage.

Frequently asked questions (FAQs)

The U.K. doesn’t require U.S. visitors to carry travel insurance for stays of six months or less. Still, it’s a good idea to at least buy travel medical insurance if your U.S. health insurance doesn’t offer comprehensive coverage, including medical evacuation coverage, abroad. With the U.K. being made up of islands, it could be challenging to get the care you would need in an emergency without a medical flight.

Decide if trip protection is right for you: Is travel insurance worth it?  

A travel insurance policy for a trip to the U.K. will typically cover not only travel medical expenses but also trip cancelation, delay and interruption; lost or delayed baggage and emergency evacuation.

See what coverage is included: What does travel insurance cover?

Maybe. Some domestic health insurance plans might cover you in the U.K. Review your summary plan description for details, or ask your insurer for a letter explaining your out-of-country benefits. Medicare typically does not cover health care for Americans outside of the U.S. 

If your U.S. plan includes international coverage, see how it compares to the benefits available through a travel insurance plan. If you buy travel insurance with primary coverage for emergency medical benefits, you won’t have to file a claim with your U.S. health insurance company first.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel insurance Heidi Gollub

What is trip interruption insurance?

Travel insurance Mandy Sleight

10 worst US airports for flight cancellations last week

What are your rights during an airline meltdown?

Travel insurance Erica Lamberg

Hurricanes and travel insurance

Generali Global Assistance travel insurance review 2024

Travel insurance Jennifer Simonson

Travel insurance for vacations to Italy

Travel insurance Timothy Moore

Tricky travel insurance questions answered by experts

Survey: 20% of Americans have had a life-changing experience while traveling

Our travel insurance ratings methodology

AXA Assistance USA travel insurance review 2024

Cheapest travel insurance of August 2024

Average flight costs: Travel, airfare and flight statistics 2024

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Chase Improving Credit Card Travel and Purchase Protection Benefits

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

In a generally consumer-friendly move, Chase has announced changes to the travel and purchase protection benefits on its consumer credit cards. The bank will also switch its card-based insurance benefits administrator and underwriter to Assurant, a Fortune 500 global business services company. These benefits are currently administered by eClaimsline.

Chase did not release an exhaustive list of cards impacted by these changes, but according to the bank, the update will go live on Oct. 1, 2024, and covers “all brand and co-brand Chase credit cards.”

Affected cardholders will receive a revised guide to benefits outlining the new coverages for their card by Aug. 15, 2024.

» MORE : How free travelers insurance through credit cards works

What’s changing?

Auto rental coverage.

Coverage limits will change to $60,000 for eligible vehicles with a retail price of $125,000 or less. Currently, this coverage is up to the actual cash value of the rented vehicle. Cardholders will also now have 100 days to notify the benefit administrator of an accident, increased from 60 days.

Cards that will see this coverage revision include (but are not limited to) the Chase Sapphire Preferred® Card , Chase Freedom Flex® , Chase Freedom Unlimited® , World of Hyatt Credit Card and the IHG One Rewards Premier Credit Card .

» MORE : The guide to Chase rental car insurance for travelers

Emergency evacuation and transportation

The service provider will now arrange and provide for emergency transportation for qualifying events. Currently, cardholders need to pay upfront and then file a reimbursement claim.

This benefit is offered on cards bearing the Visa Infinite logo, including the Chase Sapphire Reserve® and the United Club℠ Infinite Card .

» MORE : The guide to Chase Sapphire Reserve’s travel insurance benefits

Travel and emergency assistance

This benefit is being added to “select products,” according to Chase, and provides legal and medical referrals and access to other travel and emergency assistance services. 

Examples of cards that will carry this coverage include the Chase Freedom Flex® , Chase Freedom Unlimited® , IHG One Rewards Premier Credit Card and the World of Hyatt Credit Card .

Travel accident insurance

The coverage limit is increasing to $500,000 on “select products” that already offer this benefit but with a lower coverage limit.

Examples of cards that will carry this coverage include the World of Hyatt Credit Card and Chase Freedom Flex® .

Lost luggage reimbursement

This benefit is being added to “select products,” according to Chase, and provides reimbursement up to $3,000 per covered traveler per trip for the cost to repair or replace luggage and personal property that is lost or damaged during air travel.  

Examples of cards that will carry this coverage include the United℠ Explorer Card and the Aer Lingus Visa Signature® Card .

» MORE : The guide to baggage delay or loss insurance

Extended warranty protection

The terms of this benefit are changing to $10,000 per claim and a maximum of $50,000 per year. Previously, those same coverage limits applied to the lifetime of the account and did not reset each year. 

Chase has not released which cards will acquire this benefit.

» MORE : Chase purchase protection: What to know

Trip cancellation/interruption insurance

This benefit is being upgraded on the United Gateway℠ Card to cover additional family members and more qualifying reasons for submitting a claim.

To qualify for these travel and purchase protections, you must use your applicable Chase card for the full cost of your purchase. Other purchases will not be protected.

» MORE: Does my Chase credit card have travel insurance?

More coverage when you need it

Consumer protections are one of the many reasons NerdWallet recommends shopping with a credit card . Increased coverage limits combined with an expanded list of cards that carry these benefits are a good thing for individual Chase cardholders. These perks can make it less stressful when things go wrong, especially when you’re away from home.

» MORE: Best Chase credit cards

"Nearly a Must-Have for Travelers"

Chase Sapphire Preferred® Card

When it comes to both earning points and using them to book trips, it’s an excellent choice for travelers of all kinds. It earns some big bonus boosters, like 5x on select travel and 3x on dining. Plus:

$50 annual hotel credit when booked through Chase.

25% point value boost toward travel booked through Chase.

Rental car insurance.

10% anniversary points bonus.

$150 in partner benefits.

And much more...

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

/wealth/preferred

/wealth/assetandwealth

/about-bpi/overview

https://www.alfmmutualfunds.com/

https://www.banko.com.ph/

https://www.aia.com.ph/en

https://www.bpi.com.ph/about-bpi/subsidiaries/bpi-capital

https://www.bpi.com.ph/europe

https://www.bpifoundation.org/

https://www.bpi.com.ph/ifl-hk

https://bpims.com/

https://bpitc.com.ph/

https://new.bpitrade.com/

https://www.buenamano.ph/

• Investor Relations
• Sustainability

Bank overview

Get the account for all your banking needs.

Types of Accounts

• Time Deposit
• Fund Transfer
• Bills Payment

Ways to Bank

• Digital Banking
• Through ATMs and CAMs
• Partner Stores

Open a deposit account within 5 minutes.

Cards overview

Get the best value from all your spending through our various cards packed with exciting deals and features you will love.

Types of Cards

• Credit Cards
• Debit Cards
• Prepaid Cards
• Card Activation
• E-statements

Make your everyday spending more rewarding. Start enjoying your 365 days of rewards, rebates, and exclusive privileges.

Loans overview

Achieve your dream car, house, or vacation with the help of our loan products.

Types of Loans

• Motorsiklo Loan
• Housing Loan
• Personal Loan
• Auto Loan Payment Solutions
• Housing Loan Payment Solutions
• Auto Loan After-Sales Services
• Housing Loan After-Sales Services

Marketplace

Easy, affordable, and accessible financing solutions for our modern day OFW heroes and their loved ones.

Investments overview

Invest today and be ready tomorrow. Let BPI help you reach your dreams with our wide array of investment options and expert financial advice.

Investment Solutions

• Fixed Income Securities

Insights from Our Analysts

Learn how you can grow your money to its full potential through investing. Start your investment journey today.

Insurance overview

Feel safe and secure whether it's for your future, health, travels, or assets.

Ayala Plans, Inc.

Rewards and promotions overview.

Rewards made easy.

BPI Rewards

Your new one-stop app for everyday cashless transactions and rewards.

You're exiting this website

Once you leave our page, you’ll be covered by the policy and security measure of the site you are visiting

Feel safe and secure in your future, health, travels, or assets

Get the health care you deserve

Focus on getting better without worrying about the medical costs.

Travel and explore with no worries

Don't let missed flights, lost baggage, and other hassles ruin your trip.

Receive cash when you need it the most

When accidents or illnesses strike, get financial support suited for any situation you need.

Life and health

Asset protection

Travel care

Online banking

Enjoy the freedom to bank anywhere, anytime with BPI online banking.

Get all the help for your banking needs.

We use cookies to improve your experience and provide you with better services. By continuing to browse our website, you agree to our privacy policy .

Ayala Triangle Gardens Tower 2, Paseo de Roxas corner Makati Avenue, Makati City 1226 

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Review
• Best Car Buying Apps
• Best Sites To Sell a Car
• CarMax Review
• Carvana Review (July 2024)
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best Accounting Software
• Best Receipt Scanner Apps
• Best Free Accounting Software
• Best Online Bookkeeping Services
• Best Mileage Tracker Apps
• Best Business Expense Tracker Apps
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best SEO Services
• Best Mass Texting Services
• Best Email Marketing Software
• Best SEO Software
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Free Time Tracking Apps
• Best Project Management Software
• Best Construction Project Management Software
• Best Task Management Software
• Free Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• Best Home Appliance Insurance
• American Home Shield Review
• Liberty Home Guard Review
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Brands
• Cheap Window Replacement
• Window Replacement Cost
• Best Gutter Guards
• Gutter Installation Costs
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Texas Electricity Companies
• Texas Electricity Rates
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Compare Car Insurance Quotes
• Best Car Insurance for New Drivers
• Best Pet Insurance
• Cheapest Pet Insurance
• Pet Insurance Cost
• Pet Insurance in Texas
• Pet Wellness Plans
• Is Pet Insurance Worth It?
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance
• Cheapest Homeowners Insurance
• Cheapest Renters Insurance
• Travel Medical Insurance

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

American Express Travel Insurance (2024 Guide)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Kelly Larson is a senior editor with 14 years of experience creating and optimizing data-driven, reader-focused digital content. Kelly enjoys running and exploring the outdoors with his sons.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

• AmEx offers travel insurance policies for single-trips to card holders
• The perks include trip cancellation, trip interruption, baggage delay and car rental collision coverage, which can protect you before and during your travels booked with a qualifying Amex card.
• Travel insurance policies vary depending on the credit card

Our Thoughts on American Express Travel Insurance

American Express offers complimentary travel benefits through qualifying Amex cards when you purchase trip expenses using your card. Benefits include trip cancellation, trip interruption, trip delay, baggage coverage, car rental and collision protection and global assist hotline services to cardholders, family members and traveling companions. American Express also offers standard travel insurance policies that non-cardholders can purchase.

We appreciate how American Express offers a unique travel benefit with car rental collision damage. Based on our research, this coverage isn’t typically included with a standard travel insurance policy. We also like how Amex’s Premium Global Assist Hotline may offer emergency medical transport and repatriation services at no cost to the cardholder. However, like most other credit cards, you will be subject to an annual fee that’s dependent on your card. In addition, not all Amex cards offer the same maximum amount of free travel benefits.

If you currently have an Amex card with travel insurance perks, we recommend comparing its travel coverage with standard plans offered by competitors. To help you choose the travel protection that best fits you, consider your unique needs when deciding on coverage.

American Express Travel Insurance vs. Amex Credit Card Complimentary Travel Insurance

In addition to its complimentary travel insurance perks offered through various credit cards, American Express offers standalone policies for purchase. Note that you can purchase the company’s travel insurance policies even if you don’t have an American Express card. You’ll find four different plans and a custom plan option, making it easy to tailor coverage to suit a variety of travelers.

Amex complimentary travel insurance benefits are best for travelers who already hold an American Express card, as they come at no extra cost to cardholders. Depending on your specific Amex card, benefits can include baggage, car rental loss and damage, trip delay, trip cancellation, trip interruption and emergency hotline benefits. Some cards, such as the Platinum and Centurion Card, may offer all available benefits. Other Amex cards may only provide one or two. Unlike Amex’s standalone travel insurance policies, its baked-in benefits for cardholders don’t include emergency medical coverage.

How To Qualify for American Express Travel Insurance

Qualifying for American Express travel insurance benefits as an Amex card member is simple. However, you will need to visit the American Express retail and travel benefits page to learn if your exact card offers any travel insurance benefits. Various personal, business and corporate Amex cards qualify for travel insurance benefits, which we’ll detail further in this article.

If you own an Amex card with travel insurance benefits, you must book any nonrefundable travel expenses using your Amex card to qualify for reimbursement. Travelers eligible for these benefits include cardholders, family members and traveling companions who purchase a covered trip using an eligible card. If you’d like more coverage than American Express offers through its travel insurance benefits, the company provides “top-up options,” which are additional coverage limits available for purchase.

If you don’t own an Amex card, you can still apply for travel coverage through Amex Travel Insurance. You can get a free policy quote online through the American Express webpage or by calling customer service and speaking with a representative.

How Does Amex Travel Insurance Work?

American Express travel insurance benefits provide various protections for qualifying cardholders, offering coverage for trip cancellation, baggage delay, car rental collision and more. Amex cardholders also receive 24/7 Global Assist Hotline or Premium Global Assist Hotline services, which provide travel and emergency assistance services if you need help during covered travels.

American Express notes that it doesn’t administer all travel benefits associated with qualifying Amex cards. New Hampshire Insurance Company, an AIG Company, covers trip delay, cancellation and interruption benefits. AMEX Assurance Company, a subsidiary of American Express, provides car rental loss, damage coverage and baggage insurance. American Express states that coverage is subject to certain terms, conditions and limitations, with coverage considered secondary to any primary coverages you may have through other companies associated with your travels.

American Express Credit Card Travel Insurance Benefits

Many American Express credit cards come with various travel insurance benefits when you book and pay for your trip expenses using your Amex card. Unlike the travel insurance policies sold through American Express, these benefits are accessible to cardholders for qualifying trips. 

The following sections offer a closer look at these coverages, including what they entail, monetary limits and which Amex cards offer each coverage.

Trip Cancellation and Interruption

Trip cancellation and trip interruption insurance can reimburse you for prepaid, non-refundable travel expenses in two scenarios: if you need to cancel your trip for a reason covered under your policy, and if you need to cut your vacation short and return home for a covered situation. This benefit applies to all eligible travelers if you pay for your travel expenses (including flights and cruises ) using a qualifying Amex card. Note that if you book a trip with Amex Membership Reward Points, you’ll also be eligible for reimbursement.

The maximum reimbursement for trip cancellations and interruptions is the same across all Amex cards with this travel benefit. You’ll receive up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive months. American Express considers this coverage secondary, meaning any other applicable insurance or benefits provided through your travel supplier will apply before Amex coverage.

American Express lists accidental injuries, illnesses, acts of terrorism, unpostponable jury duty, military orders and more to be covered reasons for trip cancellation or interruption. We encourage you to carefully read through your Amex card’s specific policy terms to ensure you understand what scenarios are included and excluded from coverage.

The following Amex cards offer trip cancellation and trip interruption benefits:

• Centurion ® Card from American Express
• The Platinum Card ®
• Corporate Platinum Card ®
• The American Express Platinum Card ® for Schwab
• The Platinum Card ® from American Express for Goldman Sachs
• The Platinum Card ® from American Express for Morgan Stanley
• Delta SkyMiles ® Reserve Credit Card
• HIlton Honors American Express Aspire Card
• Marriott Bonvoy Brilliant ™ American Express ® Card
• Business Centurion ® Card from American Express
• Business Platinum Card ®
• Delta SkyMiles ® Reserve for Business Credit Card
• The Corporate Centurion ® Card from American Express

Trip delay insurance coverage provides protection when your plane, bus, train or other type of transport experiences a delay. This benefit can extend to hotel rooms, meals and other necessities while you wait for your travels to resume. Covered delays accepted by American Express include delays caused by weather, lost or stolen passports, carrier equipment failure and more. Intentional acts by the traveler are excluded from this coverage.

There are 20 different Amex cards that offer trip delay insurance. American Express determines reimbursement rates by the Amex card you hold, but the allotted claims frequency remains the same across all applicable cards — two claims per 12-month period. You must notify the administrator of your claim within 60 days of your covered loss. Cards that provide $500 per covered trip and a delay threshold requirement of six hours include:

• Hilton Honors American Express Aspire Card

Cards that provide $300 per covered trip and a delay threshold requirement of 12 hours include:

• Marriott Bonvoy Bevy ™ American Express ® Card
• American Express ® Gold Card
• American Express ® Green Card
• Platinum Delta SkyMiles ® Credit Card
• American Express ® Business Gold Card
• Platinum Delta SkyMiles ® Business Credit Card

Baggage Delay or Loss

Baggage coverage can reimburse you for items in your travel bags if they are lost, stolen, damaged or delayed during transit. Most travel insurance companies offer plans that include this coverage, but coverage limits vary between providers. If you plan on traveling with expensive items in your luggage, you may want to consider a baggage insurance policy with high delay and loss limits.

Each Amex card offering baggage delay or loss coverage has a combined maximum payout of $3,000 per person. Carry-on baggage, checked luggage and high-end items may have different maximum limits depending on your Amex card. Regardless of your card and its limits, you must file a claim within 30 days of baggage loss.

Car Rental Collision Damage

Car rental collision damage coverage is a unique protection, as not all travel insurance providers offer it. It can cover any damage from a collision or theft incurred on a rental vehicle if you pay for the entire rental using your Amex card. Note that you need to forgo the car rental insurance offered by the rental company. Over 60 different Amex cards offer car rental loss and damage insurance, with varying reimbursement maximums depending on your card.

American Express offers two tiers of car rental loss and damage insurance: Tier 1 offers $50,000 in total coverage, and Tier 2 offers $75,000. This Amex travel benefit also provides accidental death and dismemberment, accidental injury and car rental personal property coverage for Tier 2 cards. Exclusions include drivers not named “authorized drivers” on your rental agreement, rentals lasting longer than 30 days and more.

Global Assist and Premium Global Assist Hotlines

American Express provides Global Assist and Premium Global Assist Hotlines to 73 different cards. Each type of assistance is available 24/7 to cardholders, but the assistance you qualify for depends on your card.

Global Assist Hotline services can help you prepare for your trip before leaving by offering information on customs, foreign exchange rates, passport and visa information and more. You can also benefit from lost passport or travel document replacement assistance, translation services, medical assistance and more. Note that while these services are free of charge, charges associated with third-party referrals will be your responsibility as a cardholder.

The American Express Premium Global Assist Hotline offers the same services as Global Assist, with a few extra perks. While Global Assist will provide administrative services for emergency medical transportation and repatriation of mortal remains, Premium Global Assist may offer the actual services — at no cost to the cardholder — depending on eligibility. It can also assist with medical financial coordination, which standard Global Assist doesn’t offer.

To qualify for Global Assist and Premium Global Assist benefits, you must be a cardmember in good standing with a trip originating from your U.S. billing address within the past 90 days. In addition, you must be traveling more than 100 miles from your home address. If you’re traveling to Cuba, Iran, Syria, North Korea or Crimea, you are ineligible for these assistance services.

Cards that provide Premium Global Assist include:

• Platinum Card ® from American Express
• Business Platinum Card ®  
• Corporate Centurion ® Card from American Express
• Corporate Platinum ® Card

American Express Travel Insurance Plans

Amex cardholders and non-cardholders alike can purchase Amex Travel Insurance plans. Similar to standard plans from providers like Seven Corners and Trawick International , these plans cover emergency medical services, trip cancellations, trip interruptions, lost or delayed baggage and more. Some coverages are also offered through Amex travel benefits, while others are unique to the company’s travel insurance policies.

Purchasing a plan is straightforward — you can either use the quote tool provided on the American Express website or contact a customer service representative for assistance. When shopping, you’ll have your choice of four plans — Basic, Silver, Gold and Platinum — in addition to a custom plan option. The next few sections provide more information on the coverage provided through American Express travel insurance policies.

Global Medical Protection

Global medical protection provides medical, dental, evacuation and repatriation coverage up to a fixed amount. Emergency medical and dental coverage is valid for the first 60 days of your trip. Emergency evacuation benefits cover the cost and help arrange emergency transportation to a capable medical facility. It also covers the cost of a visitor’s transport to a covered person’s bedside if hospitalization lasts more than five days.

Travel Accident Protection

Travel accident protection provides coverage for an accident resulting in death or dismemberment at any point during your trip, from the moment you leave home to the moment you arrive back. This coverage isn’t available with the American Express Basic travel insurance plan but comes with a Silver, Gold or Platinum plan.

24-Hour Travel Assistance

This benefit comes with every travel insurance policy purchased through American Express. It provides worldwide access to a 14-hour hotline that offers travel support before and during your trip. American Express also provides this benefit through Amex prepaid, reloadable cards.

Benefits Included With Amex Credit Card Coverage

Several coverages provided through an American Express Travel Insurance plan are also perks with qualifying Amex credit cards. However, coverage limits will vary. Whether you purchase a policy or use your Amex travel perks, it’s important to understand the limitations and restrictions outlined for each coverage.

Trip cancellation and interruption benefits can reimburse nonrefundable expenses if you need to cancel your trip before it starts or if it’s interrupted for a covered reason outlined in your policy. Coverage limits for each plan are as follows:

• Basic : Up to $1,000 in trip cancellation and interruption coverage
• Silver : Up to 100% of trip costs for cancellation and interruption coverage
• Gold : Up to 100% of trip costs for cancellation and 150% for interruption coverage
• Platinum : Up to 100% of trip costs for cancellation and 150% for interruption coverage

Global Baggage Protection

Global baggage protection offers reimbursement for lost, damaged or stolen baggage. This applies to checked baggage, carry-on baggage, or baggage on your hotel or cruise property. If your baggage is delayed, you can receive reimbursement for essential items you need replaced. Coverage limits for each plan include:

• Basic : Up to $250 for baggage loss and up to $100 for a 24-hour delay
• Silver : Up to $500 for baggage loss and up to $300 for a 6-hour delay
• Gold : Up to $1,000 for baggage loss and up to $300 for a 6-hour delay
• Platinum : Up to $2,500 for baggage loss and up to $500 for a 3-hour delay

Global Trip Delay

Global trip delay coverage protects delayed travel, covering lodging, meals and other necessary expenses. Covered travel scenarios include overbooked flights, missed flight connections and delayed or canceled flights . Included coverage limits are:

• Basic : Not included
• Silver : Up to $150 per day, maximum of $500 per trip
• Gold : Up to $150 per day, maximum of $750 per trip
• Platinum : Up to $300 per day, maximum of $1,000 per trip

How To File a Travel Insurance Claim With American Express

If you’ve purchased an American Express Travel Insurance policy and need to file a claim, you can contact your administrator in three ways. You can use the claims phone number or address found in your Certificate of Insurance/Policy or the claims portal through the American Express website. If you cannot locate your Certificate of Insurance or Policy, you can email the company to request an additional copy.

During your travels, keep track of any receipts, police reports, medical bills and other documents you might need to provide in the event of a claim. The exact documents required will depend on the benefit for which you’re filing a claim. American Express directs policyholders to your Certificate of Insurance/Policy for specific information. Still, it also notes that the company’s claims department will share the documents needed to validate your claim. Note that American Express outlines specific time requirements for filing a claim within your policy, with requirements varying by coverage.

Should You Get an American Express Credit Card For Travel Insurance?

Signing up for an American Express credit card for travel insurance benefits is a personal decision, but it’s not your only option. You can purchase a policy through American Express Travel Insurance or another standard insurer, such as Travelex or Faye , without taking on the responsibility of a new credit card. Benefits offered through Amex travel perks or their standard travel insurance policies may not suit your coverage needs, as the company lacks cancel for any reason (CFAR) coverage and other protections provided by other insurers.

If you already have an Amex card and feel the travel perks provided satisfy your needs, booking your vacation with your card is all you need to do to enjoy these benefits. However, whether you have an American Express card or another card with travel insurance perks, we encourage you to gather multiple quotes while considering your travel needs, budget and expectations before purchasing a policy. 

Frequently Asked Questions

Does american express travel insurance cover family members.

Yes, American Express travel benefits can provide coverage for cardholders, family members and traveling companions who purchase a covered trip using an eligible card. American Express Travel Insurance policies cover travelers enrolled when you buy your plan.

How long do you have to claim American Express travel insurance?

American Express outlines specific time requirements for filing a claim within your policy, but these time requirements vary by coverage type. Consult your policy documents or contact a customer service representative for more information on claim time constraints.

What trip cancellation reasons are covered?

Trip cancellation reasons covered under an American Express Travel Insurance policy include unexpected sickness or injury of the covered person or family member, adverse weather conditions, natural disasters, labor disputes or strikes affecting travel services, or the unexpected job termination of a covered person.

Do I need separate travel insurance if I have a credit card?

If you have a credit card offering travel insurance benefits and are satisfied with the coverage, you may not need a separate travel insurance policy. However, if you’d prefer higher coverage limits or specialty protections like CFAR coverage or an adventure sports waiver, it may be worth gathering quotes from reputable travel insurance providers.

Methodology: Our System for Rating Travel Insurance

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.