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    The 5 Best Credit Cards for Trip Cancellation and Interruption Coverage [September 2025]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    What Is Trip Cancellation and Trip Interruption Coverage?

    Put simply, trip cancellation insurance reimburses you, eligible family, or covered travel companions for non-refundable prepaid trip expenses if a covered loss prevents you from traveling and your trip is canceled as a result.

    Trip interruption insurance offers coverage for unexpected events that happen during your trip and cause your trip to be disrupted. Several credit cards offer trip cancellation and trip interruption insurance, each with varying degrees of coverage.

    Bottom Line: Having complimentary trip cancellation and trip interruption coverage on your credit card can save you from losing your hard-earned travel dollars by reimbursing you for non-refundable or unexpected expenses caused by trip cancellations or interruptions.

    Top Picks (Quick Summary)

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    Card

    Welcome Bonus and Annual Fee

    Trip Cancellation and Interruption Coverage

    Platinum Card® from American Express

    Platinum Card® from American Express

    • + NEW BENEFITSAs High As 175,000 Points. Find Out Your Offer.Platinum Card® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

    Up to $10,000 per trip and a maximum of $20,000 per account per 12-month period for a covered loss

    The Business Platinum Card® from American Express

    The Business Platinum Card® from American Express

    • ELEVATED WELCOME OFFER200,000 pointsThe Business Platinum Card® from American ExpressEarn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    Chase Sapphire Preferred®

    Chase Sapphire Preferred® Card

    • NEW OFFER75,000 pointsChase Sapphire Preferred® CardEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

    Up to $10,000 per occurrence and a maximum of $20,000 per incident and $40,000 per 12-month period

    Chase Sapphire Reserve®
    Chase Sapphire Reserve®
    • NEW OFFER125,000 pointsChase Sapphire Reserve®Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

    Up to $10,000 per person and a maximum of $20,000 per trip and $40,000 per 12-month period

    Ink Business Preferred® Credit Card

    Ink Business Preferred® Credit Card

    • 90,000 pointsInk Business Preferred® Credit CardEarn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

    Up to $5,000 per person, a maximum of $10,000 per occurrence, and no more than $20,000 total for a 12-month period

    The Best Amex Cards for Trip Cancellation and Trip Interruption Insurance

    Amex offers trip cancellation and trip interruption insurance on several of its premium cards.

    For a covered loss, you could receive a benefit of up to $10,000 per trip and a maximum of $20,000 per account per 12-month period.

    Let’s look at which cards now offer this valuable coverage.

    The Platinum Card® from American Express (Top Amex Pick)

    + NEW BENEFITS
    Platinum Card® from American ExpressTerms Apply / Rates & Fees
    Platinum Card® from American Express
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    Platinum Card® from American Express
    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
    You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    As High As 175,000 Points. Find Out Your Offer.
    Up to $3,850
    $895
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

    Pros & Cons
    Pros
    • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
    • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
    • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
    Cons
    • $895 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    Read Full Review
    Card Highlights
    • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
    • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
    • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
    • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
    • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
    • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
    • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
    • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
    • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
    • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
    • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
    • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
    • $895 annual fee.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Business Platinum Card® from American Express

    ELEVATED WELCOME OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
    The Business Platinum Card® from American Express
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

    Apply Now(at Amex's secure site)
    The Business Platinum Card® from American Express
    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    Earn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    200,000 points
    Up to $4,400
    $895
    18.24% - 28.99% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

    When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

    Pros & Cons
    Pros
    • Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
    • Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
    Cons
    • High annual fee of $895 (rates & fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    Read Full Review
    Card Highlights
    • Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
    • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
    • New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
    • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
    • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
    • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
    • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
    • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
    • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
    • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
    • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
    • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
    • 5X points on flights and prepaid hotels on AmexTravel.com
    • 1X points on other eligible purchases
    • $895 Annual Fee.
    • Terms Apply.
    Financial Snapshot
    • APR: 18.24% - 28.99% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    Amex Trip Cancellation and Trip Interruption Insurance Coverage Details

    Amex trip cancellation coverage provides for the reimbursement of non-refundable expenses paid to the travel provider when a covered loss causes the cancellation of your trip.

    Examples of potential covered losses causing you to cancel your trip would be illness, weather, jury duty, or a change in military orders.

    Trip interruption coverage also reimburses for non-refundable expenses paid to the travel provider, plus it can also provide reimbursement for additional eligible transportation expenses.

    Who Is Covered?

    You, your family, and your traveling companions are covered when the eligible trip has been purchased with your card. Family is defined as a spouse, domestic partner, or unmarried dependent child up to age 19 (age 26 if full-time college/university student).

    Conditions for Valid Amex Coverage

    For coverage to be active, you must adhere to the following:

    • Pay for your common carrier trip in full with your eligible Amex card or in combination with points accumulated on the card, frequent flyer miles, vouchers, or coupons
    • The trip must be somewhere other than your place of residence
    • The trip cannot exceed 365 days in length
    • The period of travel can consist of round-trip, one-way, or combinations of the 2

    The Best Chase Credit Cards for Trip Cancellation and Trip Interruption Insurance

    Chase is a leader when it comes to overall travel insurance coverage, specifically trip cancellation and trip interruption insurance. The issuer offers several cards with these valuable benefits.

    Expect to receive the following benefit compensation levels for a covered travel incident, from these Chase credit cards:

    Chase Sapphire Preferred® Card (Top Pick Overall)

    NEW OFFER
    Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
    Chase Sapphire Preferred® Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

    Apply Now(at Chase's secure site)
    Chase Sapphire Preferred® Card
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    75,000 points
    $1,500
    $95
    19.99% - 28.24% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

    Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

    Pros & Cons
    Pros
    • 5x points on all travel booked via the Chase Travel portal
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    Read Full Review
    Card Highlights
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC
    Financial Snapshot
    • APR: 19.99% - 28.24% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    If your trip is canceled for a covered reason, you or a covered immediate family member could be reimbursed for the non-refundable amount of your trip. The limit for each coverage is $10,000 per occurrence.

    The maximum benefit under each separate coverage for trip cancellation and trip interruption is $20,000 per incident and $40,000 per 12-month period.

    For more about the Chase Sapphire Preferred card’s travel insurance, explore our in-depth guide.

    Chase Sapphire Reserve®

    NEW OFFER
    Chase Sapphire Reserve®Terms Apply / Rates & Fees
    Chase Sapphire Reserve®
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

    Apply Now(at Chase's secure site)
    Chase Sapphire Reserve®
    A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
    Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    125,000 points
    $2,500
    $795
    20.24% - 28.74% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Excellent
    Why We Like This Card

    If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

    The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

    Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

    Pros & Cons
    Pros
    • 8x points on all Chase Travel purchases
    • 5x points on Lyft rides
    • 4x points on flights and hotels booked directly
    Cons
      • $795 annual fee
    Read Full Review
    Card Highlights
    • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    • Get more than $2,700 in annual value with Sapphire Reserve.
    • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
    • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
    • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
    • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
    • Member FDIC
    Financial Snapshot
    • APR: 20.24% - 28.74% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    If your trip needs to be canceled or becomes interrupted due to a covered event, you could receive up to $10,000 per person / $20,000 per trip, up to $40,000 maximum within a 12 month period.

    Ink Business Preferred® Credit Card (Best Business Card)

    Ink Business Preferred® Credit Card
    Ink Business Preferred® Credit Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

    Ink Business Preferred® Credit Card
    The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
    Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
    90,000 points
    $1,800
    $95
    20.24% - 26.24% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)
    Why We Like This Card

    The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

    Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

    Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

    Pros & Cons
    Pros
    • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
    • Cell phone protection
    • Purchase protection
    Cons
      • No elite travel benefits like airport lounge access
    Read Full Review
    Card Highlights
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
    • Points are worth more when you redeem for travel through Chase TravelSM
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC
    Financial Snapshot
    • APR: 20.24% - 26.24% Variable
    • Foreign Transaction Fees: $0
    Rewards Center

    Chase Ultimate Rewards

    If a covered event causes your trip to be canceled or interrupted, you can expect to receive up to $5,000 per person, a maximum of $10,000 per occurrence, and no more than $20,000 total for a 12-month period.

    Chase Trip Cancellation and Trip Interruption Insurance Coverage Details

    Who Is Covered?

    When even a portion of your trip is paid for with your qualifying card, you and your immediate family are covered for trip cancellation and interruption. You can also use Chase Ultimate Rewards points or a combination of paying with your card and points to receive coverage.

    Chase has a broad definition of “immediate family.” The definition includes:

    • Spouse
    • Domestic partner
    • Children (including adopted children and step-children)
    • Legal guardians or wards
    • Siblings or siblings-in-law
    • Parents or parents-in-law
    • Grandparents
    • Grandchildren
    • Nieces and nephews
    • Aunts and uncles

    You also do not need to be traveling with your family members for coverage to be valid. You must, however, have paid for a portion of the trip with your qualifying Chase card or Ultimate Rewards points.

    Bottom Line: While coverage limits vary, the definition of a covered loss, which situations are excluded, and who is eligible for coverage, is consistent across these Chase credit cards. 

    Conditions for Valid Chase Coverage

    • The trip must be paid for with your eligible Chase card and/or points accumulated with a Chase card
    • The trip destination must be more than 1 mile from home for coverage
    • The trip cannot exceed 60 days in duration

    Other Trip Protections and Benefits You Can Use

    Rental Car Collision Damage Waiver

    Most travel cards carry some type of rental car insurance that covers theft of and damage to your rental car. Here’s our take on which cards provide the best rental car insurance coverage.

    Trip Delay Insurance

    Trip delay coverage reimburses you for incidentals should your trip be delayed. Cards that include trip delay coverage include the Chase Sapphire Preferred card, Chase Sapphire Reserve card, and Amex Platinum card.

    Lost, Damaged, or Delayed Baggage Insurance

    Get reimbursed for incidentals if your luggage is delayed or for damage/theft of your bags.

    Emergency Evacuation Coverage

    Premium travel rewards cards such as the Amex Platinum Card and the Chase Sapphire Reserve card have coverage for emergency evacuation transportation services.

    Lounge Access

    The Amex Platinum card and the Chase Sapphire Reserve card offer different degrees of airline lounge access.

    Emergency Medical Coverage

    Receive up to $2,500 reimbursement for emergency medical and dental with the Chase Sapphire Reserve card.

    Bottom Line: Trip cancellation and trip interruption are 2 of the most valuable trip protections that come complimentary on several travel rewards cards. However, there are other travel benefits including rental car insurance, baggage insurance, emergency evacuation, and trip delay coverage that can be equally as useful. Try to select a card that has a package of trip benefits you find valuable. 

    For the trip cancellation and interruption insurance benefit of The Platinum Card® from American Express and The Business Platinum Card® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

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