The Complete Guide to Credit Card Insurance

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While many of you focus on earning and redeeming points and base the value of your credit cards on that alone, others are also using one additional benefit of carrying a credit card: insurance.

The insurance benefits of a card can seem overly complex and not applicable to your situation, or they may even look like more trouble than they are worth.

But if you know what insurance benefits are available and how to use them, you can get a lot of extra value out of your credit cards.

Below are some of the best insurances offered by credit cards, as well as the various cards and providers that offer them.

You may want to bookmark this page, as it will be updated to include anything that may help you squeeze extra value from your cards!

Quick Insurance Tips

Before you dive in to the insurances available, you should know a few things.

First, each insurance benefit differs per credit card and per provider. So not every card by one provider will have every insurance. This is a premium feature on many cards.

Next, your own insurance situation may vary. For instance, Chase may decide not to provide you with one of the insurances in your specific product offering, yet some other company may. Be sure to check your own cardmember agreements, as these change.

Finally, most of the insurances are secondary. This means that your coverage only starts where any insurance you might already have ends. Therefore, you have to try to collect from your own insurances before collecting from them.

In the case of return protection, this means you must try to collect from the vendor before filing a claim with your card insurance. You can’t get money back from your card company for a return when the vendor will still happily take the item back.

Now, on to the different benefits.

Price Protection

Price protection is a benefit that allows you to purchase an item and then within a certain time period (typically 90-120 days), submit a claim for a lower price.

You will have to provide original receipts with your claim along with copies of the advertisement where you found the lower price.

This benefit is only eligible up to a certain amount of money per item, as well as a total amount per year.

As the consumer, you’ll get the difference between the purchased price and the advertised price you find.

The following are the cards that offer the Price Protection Benefit:

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase Freedom®
  Chase Freedom Unlimited℠
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
American Express No American Express cards offer price protection at this time
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Double Cash Card
Discover Bank Discover it Miles Card
All Discover cards come with this benefit

Purchase Protection

Slightly different from price protection, a purchase protection benefit helps in cases where your product might have been lost, stolen, or never delivered.

It may also cover you in cases of damage, but it likely won’t cover damage that you cause.

The following cards have a purchase protection benefit:

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase Freedom®
  Chase Freedom Unlimited℠
  Chase Ink Business Preferred℠ Credit Card
  Chase Ink Business Cash℠ Credit Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express The Platinum Card® from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Everyday® Card from American Express
  Blue Cash Preferred® Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  Premier Rewards Gold Card from American Express
  Blue from American Express®
  The Amex EveryDay® Credit Card from American Express
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Double Cash Card
  Citi / AAdvantage Platinum Select MasterCard
Discover Bank Discover it Miles Card
  All Discover cards come with this benefit

Return Protection

The return protection insurance benefit covers you in cases where an item you have purchased cannot be returned to the vendor for some reason within a time period, typically 90 days.

You’ll get a certain dollar value per item that you need to return, and often you’ll also have to send the item to the credit card company (though not always).

Note that you will have to cover the cost of shipping for returning items.

The following cards offer return protection:

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
American Express The Platinum Card® from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Everyday® Card from American Express
  Blue Cash Preferred® Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  Premier Rewards Gold Card from American Express
  Blue from American Express®
  The Amex EveryDay® Credit Card from American Express
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank None of the Citi cards we have reviewed have this benefit
Discover Bank Discover it Miles Card
  All Discover cards come with this benefit

Extended Warranty Protection

Probably the fourth most common credit card insurance is some type of warranty protection. This is most often seen as an additional year added to what you’d normally get with a manufacturer’s warranty.

The caveats are that the original warranty has to be less than 3-5 years, depending on the card, and many will only match the length of the warranty if it is less than a year.

Here are the cards that come with an extended warranty plan:

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase Ink Business Cash℠ Credit Card
  Chase British Airways Visa Signature® Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express The Platinum Card® from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Everyday® Card from American Express
  Blue Cash Preferred® Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  Premier Rewards Gold Card from American Express
  Blue from American Express®
  The Amex EveryDay® Credit Card from American Express
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Double Cash Card
  Citi / AAdvantage Platinum Select MasterCard
  Citi Hilton HHonors Visa Signature Card
Discover Bank Discover it Miles Card
  All Discover cards come with this benefit

Car Rental Insurance

Car rental insurance covers you on the road while you are renting a car. The details vary on how much coverage you get and what types of cars it is available with (hint: not sports cars).

In general, this benefit is only activated when you decline the insurance from the rental car company. This also typically acts as secondary to your own car insurance, although some cards carry primary car rental insurance.

The following cards have some form of rental insurance:

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase Ink Business Cash℠ Credit Card
  Chase Freedom®
  Chase Freedom Unlimited℠
  Chase British Airways Visa Signature® Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express The Platinum Card® from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Everyday® Card from American Express
  Blue Cash Preferred® Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  Premier Rewards Gold Card from American Express
  Blue from American Express®
  The Amex EveryDay® Credit Card from American Express
  Gold Card from American Express
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Double Cash Card
  Citi / AAdvantage Platinum Select MasterCard
  Citi Hilton HHonors Visa Signature Card
Discover Bank Discover it Miles Card
  All Discover cards come with this benefit

Roadside Assistance

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Southwest Rapid Rewards® Premier Credit Card
  Chase Ink Business Preferred℠ Credit Card
American Express American Express® Green Card
  Blue from American Express®
  Delta Reserve® Credit Card from American Express
  Hilton HHonors™ Card from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Preferred® Card from American Express
  Gold Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Starwood Preferred Guest® Business Credit Card from American Express
  The Amex EveryDay® Preferred Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  The Amex EveryDay® Credit Card from American Express
  The Business Gold Rewards Card from American Express OPEN
  The Business Platinum® Card from American Express OPEN
  Blue Cash Everyday® Card from American Express
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank None of the Citi cards we have reviewed have this benefit
Discover Bank  None of the Discover cards we have reviewed have this benefit

Travel Accident Insurance

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Hyatt Credit Card
  Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express American Express® Green Card
  Delta Reserve® Credit Card from American Express
  Hilton HHonors™ Card from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Preferred® Card from American Express
  Gold Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Starwood Preferred Guest® Business Credit Card from American Express
  The Amex EveryDay® Preferred Credit Card from American Express
  The Platinum Card® from American Express
  Starwood Preferred Guest® Credit Card from American Express
  The Amex EveryDay® Credit Card from American Express
  The Business Gold Rewards Card from American Express OPEN
  The Business Platinum® Card from American Express OPEN
  Blue Cash Everyday® Card from American Express
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Double Cash Card
  Citi / AAdvantage Platinum Select MasterCard
Discover Bank  None of the Discover cards we have reviewed have this benefit

Global Assist Hotline

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase British Airways Visa Signature® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express American Express® Green Card
  Blue from American Express®
  Delta Reserve® Credit Card from American Express
  Hilton HHonors™ Card from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Preferred® Card from American Express
  Gold Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Starwood Preferred Guest® Business Credit Card from American Express
  The Amex EveryDay® Preferred Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  The Amex EveryDay® Credit Card from American Express
  The Business Gold Rewards Card from American Express OPEN
  Blue Cash Everyday® Card from American Express
Barclaycard  None of the Barclaycard cards we have reviewed have this benefit
Citibank Citi Hilton HHonors Visa Signature Card
  Citi / AAdvantage Platinum Select MasterCard
Discover Bank  None of the Discover cards we have reviewed have this benefit

Trip Cancellation Insurance

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Hyatt Credit Card
  Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
American Express  None of the AMEX cards we have reviewed have this benefit
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Double Cash Card
  Citi / AAdvantage Platinum Select MasterCard
Discover Bank  None of the Discover cards we have reviewed have this benefit

Lost Luggage Insurance

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Hyatt Credit Card
  Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express Delta Reserve® Credit Card from American Express
  Hilton HHonors™ Card from American Express
  Gold Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Starwood Preferred Guest® Business Credit Card from American Express
  The Amex EveryDay® Preferred Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  The Business Gold Rewards Card from American Express OPEN
  The Business Platinum® Card from American Express OPEN
Barclaycard  None of the Barclaycard cards we have reviewed have this benefit
Citibank Citi / AAdvantage Platinum Select MasterCard
Discover Bank  None of the Discover cards we have reviewed have this benefit

Baggage Delay Insurance

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Hyatt Credit Card
  Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
American Express American Express® Green Card
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank  None of the Discover cards we have reviewed have this benefit

Trip Delay Insurance

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Hyatt Credit Card
  Chase Sapphire Preferred® Card
  Chase Ink Business Preferred℠ Credit Card
  Chase United MileagePlus® Explorer Card
American Express None of the AMEX cards we have reviewed have this benefit
Barclaycard None of the Barclaycard cards we have reviewed have this benefit
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank  None of the Discover cards we have reviewed have this benefit

AMEX Auto Purchase Program

NAME OF BANK APPLICABLE CARDS
Chase Bank None of the Chase cards we have reviewed have this benefit
American Express The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  The Business Platinum® Card from American Express OPEN
Barclaycard None of the Barclaycard cards we have reviewed have this benefit
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank  None of the Discover cards we have reviewed have this benefit

Airline Fee Credit

NAME OF BANK APPLICABLE CARDS
Chase Bank None of the Chase cards we have reviewed have this benefit
American Express American Express® Green Card
  The Amex EveryDay® Preferred Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  The Business Gold Rewards Card from American Express OPEN
  The Business Platinum® Card from American Express OPEN
Barclaycard None of the Barclaycard cards we have reviewed have this benefit
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank  None of the Discover cards we have reviewed have this benefit

Entertainment Benefits

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase British Airways Visa Signature® Card
American Express American Express® Green Card
  Blue from American Express®
  Delta Reserve® Credit Card from American Express
  Hilton HHonors™ Card from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Preferred® Card from American Express
  Gold Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  Starwood Preferred Guest® Credit Card from American Express
  The Amex EveryDay® Credit Card from American Express
  Blue Cash Everyday® Card from American Express
Barclaycard  None of the Barclaycard cards we have reviewed have this benefit
Citibank Citi Hilton HHonors Visa Signature Card
  Citi Double Cash Card
Discover Bank  None of the Discover cards we have reviewed have this benefit

Lounge Access

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase United MileagePlus® Explorer Card
American Express American Express® Green Card
  Blue from American Express®
  Delta Reserve® Credit Card from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Starwood Preferred Guest® Business Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  The Business Gold Rewards Card from American Express OPEN
  The Business Platinum® Card from American Express OPEN
Barclaycard  None of the Barclaycard cards we have reviewed have this benefit
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank  None of the Discover cards we have reviewed have this benefit

Complimentary Concierge

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase British Airways Visa Signature® Card
  Chase United MileagePlus® Explorer Card
American Express Delta Reserve® Credit Card from American Express
  The Platinum Card® from American Express
  Premier Rewards Gold Card from American Express
  The Business Platinum® Card from American Express OPEN
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Hilton HHonors Visa Signature Card
  Citi Double Cash Card
Discover Bank  None of the Discover cards we have reviewed have this benefit

Elite Status Benefits

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Hyatt Credit Card
  Chase IHG® Rewards Club Select Credit Card
  Chase United MileagePlus® Explorer Card
  Chase Southwest Rapid Rewards® Premier Credit Card
  Chase Marriott Rewards® Premier Credit Card
American Express Delta Reserve® Credit Card from American Express
  Hilton HHonors™ Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Starwood Preferred Guest® Business Credit Card from American Express
  The Platinum Card® from American Express
  Starwood Preferred Guest® Credit Card from American Express
  The Business Platinum® Card from American Express OPEN
Barclaycard None of the Barclaycard cards we have reviewed have this benefit
Citibank Citi Hilton HHonors Visa Signature Card
Discover Bank  None of the Discover cards we have reviewed have this benefit

Emergency Card Replacement

NAME OF BANK APPLICABLE CARDS
Chase Bank Chase Sapphire Preferred® Card
  Chase British Airways Visa Signature® Card
  Chase United MileagePlus® Explorer Card
American Express None of the AMEX cards we have reviewed have this benefit
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard®
Citibank Citi Hilton HHonors Visa Signature Card
  Citi Double Cash Card
Discover Bank Discover it Miles Card

Boingo WiFi

NAME OF BANK APPLICABLE CARDS
Chase Bank None of the Chase Bank cards we have reviewed have this benefit
American Express Starwood Preferred Guest® Business Credit Card from American Express
  The Platinum Card® from American Express
  Starwood Preferred Guest® Credit Card from American Express
  The Business Platinum® Card from American Express OPEN
Barclaycard None of the Barclaycard cards we have reviewed have this benefit
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank None of the Discover Bank cards we have reviewed have this benefit

ShopRunner

NAME OF BANK APPLICABLE CARDS
Chase Bank None of the Chase Bank cards we have reviewed have this benefit
American Express Delta Reserve® Credit Card from American Express
  Gold Delta SkyMiles® Credit Card from American Express
  Blue Cash Preferred® Card from American Express
  Platinum Delta SkyMiles® Credit Card from American Express
  Premier Rewards Gold Card from American Express
  The Amex EveryDay® Credit Card from American Express
  Blue Cash Everyday® Card from American Express
Barclaycard None of the Barclaycard cards we have reviewed have this benefit
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank None of the Discover Bank cards we have reviewed have this benefit

Travel Club Benefits

NAME OF BANK APPLICABLE CARDS Specific Benefit
Chase Bank Chase United MileagePlus® Explorer Card Luxury Hotel and Resort Collection Privileges
American Express The Business Platinum® Card from American Express OPEN Fine Hotels and Resorts
  The Hotel Collection
  Cruises Privileges Program
  The Platinum Card® from American Express Fine Hotels and Resorts
  The Hotel Collection
  Cruises Privileges Program
  Gold Card from American Express The Hotel Collection
  Premier Rewards Gold Card from American Express The Hotel Collection
Barclaycard Barclaycard Arrival Plus™ World Elite MasterCard® Luxury travel (elite world hotels and resorts portfolio)
Citibank None of the Citibank cards we have reviewed have this benefit
Discover Bank None of the Discover Bank cards we have reviewed have this benefit

Using the Insurance Benefits

To utilize the benefits, you should check your cardmember agreement or call your credit card company to confirm you have the benefit.

Then, they should be able to connect with with someone who can help you through the process of submitting your claim. This may involve paperwork and emailing.

While it can be overwhelming, once you get your claim processed you will be happy you did! You will also be more prepared for the next time you need to submit.

You Will Be Happy After Successfully Submitting a Claim
You will be happy after you have successfully submitted a claim and utilized the benefits!

Keep Checking Back for More

This page will be updated with insurance information for cards as it is gathered. These are some very underutilized benefits that could provide great value.

If you have any questions or suggestions, please email us.

Chase Sapphire Preferred® Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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