Recent travel struggles, including Southwest’s massive meltdown and the FAA’s huge ground stop last week, serve as poignant reminders that we need protection while we travel. Specifically, it’s important to have Trip Delay and Cancellation/Interruption Insurance. So, here are cards with Trip Delay Insurance.
Southwest’s contract of carriage doesn’t provide passengers with lodging if your flight is significantly delayed or canceled, no matter if it’s entirely Southwest’s fault. Further, virtually no airline officially covers incidences such as the FAA’s ground stop, as it wasn’t their fault. Sure, airlines may opt to help passengers in these situations, but they’re not required to by the government or their contract of carriage. That’s why it’s important to protect yourself. You don’t want to unexpectedly have to shell out hundreds of dollars for an unexpected hotel stay.
So, without further adieu, here are cards you should consider getting that have Trip Delay Insurance.
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Chase Cards with Trip Delay Insurance
For all Chase cards, you have to purchase your common carrier ticket with said card.
- Chase Sapphire Reserve ($550 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses such as meals and lodging when your common carrier flight is delayed by 6 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- Chase Sapphire Preferred ($99 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses, such as meals and lodging, when your common carrier flight is delayed by 12 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- United Explorer ($95 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses, such as meals and lodging, when your common carrier flight is delayed by 12 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- United Quest ($250 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses, such as meals and lodging, when your common carrier flight is delayed by 12 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- United Gateway ($0 AF)
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- United Club ($525 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses, such as meals and lodging, when your common carrier flight is delayed by 12 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- Aeroplan ($95 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses, such as meals and lodging, when your common carrier flight is delayed by 12 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- Marriott Bonvoy Bountiful ($250 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses, such as meals and lodging, when your common carrier flight is delayed by 12 or more or requires an overnight stay.
- JP Morgan Ritz-Carlton Rewards ($450 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses such as meals and lodging when your common carrier flight is delayed by 6 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- IHG Premier ($99 AF)
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- IHG Traveller ($0 AF)
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
- World of Hyatt ($95 AF)
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
Amex Cards with Trip Delay Insurance
- Platinum ($695 AF)
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.
- Trip Cancellation/Interruption Insurance: reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
- Delta SkyMiles Reserve ($550 AF)
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.
- Trip Cancellation/Interruption Insurance: reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
- Delta SkyMiles Platinum ($250 AF)
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.
- Marriott Bonvoy Brilliant ($650 AF)
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.
- Trip Cancellation/Interruption Insurance: reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
- Marriott Bonvoy Bevy ($250 AF)
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.
Capital One Cards with Trip Delay Insurance
- Venture X ($395 AF)
- Trip Delay Insurance: get reimbursed for up to $500 per ticket in reasonable expenses such as meals and lodging when your common carrier flight is delayed by 6 or more or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by covered situations, you can be reimbursed up to $2,000 per person.
Barclays Cards with Trip Delay Insurance
- AAdvantage Aviator Red ($99 AF)
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by covered situations, you can be reimbursed up to $1,500 per person.
Bank of America Cards with Trip Delay Insurance
- Premium Rewards Elite ($550 AF)
- Trip Delay Insurance: Provides coverage up to $500 per ticket purchased for you and eligible family members for reasonable expenses incurred when a trip is delayed (due to a covered hazard) for more than 6 hours or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: Receive reimbursement for the common carrier passenger fare in the event of trip cancellation or trip interruption.
- Premium Rewards Elite ($95 AF)
- Trip Delay Insurance: Provides coverage up to $500 per ticket purchased for you and eligible family members for reasonable expenses incurred when a trip is delayed (due to a covered hazard) for more than 12 hours or requires an overnight stay.
- Trip Cancellation/Interruption Insurance: Provides up to $2500 for non-refundable passenger fares if your trip is canceled or cut short by sickness or other covered situations.
First Hawaiian Bank Cards with Trip Delay Insurance
- Priority Rewards World Elite Mastercard ($50 AF)
- Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by covered situations, you can be reimbursed up to $2,000 per trip and up to $5,000 per 12-month period.
Final Thoughts
This likely isn’t an exhaustive list of cards with Trip Delay Insurance and/or Trip Cancellation/Interruption insurance. However, it should give you a good idea as to what’s available out there and how each product differs. There’s even quite a bit of variation within different issuers. So it’s really important to do you homework when selecting a card. Of course, don’t forget to look at all of the other benefits the card gets you too.