It’s always a good idea to have travel insurance when you’re going on a trip. But what if your credit card had travel insurance? That would be even better!
In this blog post, we will be discussing the best credit cards with trip delay insurance of 2023.
What is trip delay insurance?
Trip delay insurance is a type of insurance that reimburses you for expenses incurred due to a delayed flight. It can cover things like meals, accommodations, and transportation costs.
Most credit cards will offer some form of trip delay insurance, but the coverage can vary greatly. Some cards will only cover delays of 12 hours or more, while others will cover delays of 6 hours or more.
What are the best credit cards with trip delay insurance of 2023?
- Chase Sapphire Reserve
Chase Sapphire Reserve is one of the best credit cards for trip delay insurance. It offers up to $500 per person for delays of 6 hours or more. It also offers up to $1,000 per trip for delays of 12 hours or more.
- Citi Prestige
Citi Prestige is another great credit card for trip delay insurance. It offers up to $500 per person for delays of 6 hours or more. It also offers up to $1,500 per trip for delays of 12 hours or more.
- American Express Platinum
American Express Platinum is another great credit card for trip delay insurance. It offers up to $500 per person for delays of 6 hours or more. It also offers up to $1,000 per trip for delays of 12 hours or more.
- Marriott Bonvoy Brilliant American Express Card
Marriott Bonvoy Brilliant American Express Card is another great credit card for trip delay insurance. It offers up to $500 per person for delays of 6 hours or more. It also offers up to $1,000 per trip for delays of 12 hours or more.
- Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card is another great credit card for trip delay insurance. It offers up to $500 per person for delays of 6
What is trip delay insurance?
When you purchase a plane ticket, you’re usually only covered for the cost of the flight itself. But what happens if your flight is delayed or canceled? Travel delay insurance is able to help with that.
Trip delay insurance is a type of insurance that can reimburse you for the cost of your flight if it is delayed or canceled. This type of insurance is usually offered by credit cards, and it can be a valuable perk if you travel often.
There are a few things to keep in mind when considering trip delay insurance. First, you’ll need to check the terms and conditions of your policy to see what is covered. Some policies only cover delays of a certain length, while others may not cover cancellations at all.
Second, you’ll need to file a claim with your insurer to get reimbursed. This can be a lengthy process, so it’s important to have all the necessary documentation ready.
Finally, keep in mind that trip delay insurance is not a replacement for travel insurance. Travel insurance covers a wider range of potential problems, including medical emergencies and lost luggage.
If you travel often, trip delay insurance can be a valuable perk. Just be sure to read the terms and conditions carefully before you purchase a policy.
What are the benefits of trip delay insurance?
When your travel plans go awry, having trip delay insurance can help cover unexpected costs like meals, hotels, and lost luggage.
Flight delays are unfortunately a common occurrence, and they can often be beyond your control. If your flight is delayed for more than a certain number of hours (usually 12), your trip delay insurance will kick in and reimburse you for reasonable expenses.
Trip delay insurance is a type of travel insurance that can reimburse you for expenses incurred as a result of your flight being delayed. This includes things like meals, hotels, and lost luggage.
While trip delay insurance won’t cover you for the cost of your flight itself, it can help ease the financial burden of an unexpected delay. And, if your flight is delayed for a long period of time, it can even help cover the cost of changing your travel plans.
If you’re looking for a credit card that offers trip delay insurance, there are a few things to keep in mind. First, make sure to read the fine print of your card’s benefits guide to see what’s covered and what’s not.
And, second, remember that trip delay insurance is typically only available on credit cards that offer travel insurance benefits. So, if you’re not sure whether your card offers this benefit, you can always contact your card issuer to ask.
Here are some of the best credit cards with trip delay insurance:
Chase Sapphire Reserve: This card offers trip delay insurance of up to $500 per ticket.
Citi Prestige: This card offers trip delay insurance of up to $500 per ticket.
American Express Platinum: This card offers trip delay insurance of up to $500 per ticket.
Barclaycard Arrival Plus World Elite Mastercard: This card offers trip delay insurance of up to $500 per ticket.
What are the best credit cards with trip delay insurance?
When your travel plans go awry, it’s nice to know your credit card has your back. That’s where trip delay insurance comes in. This type of insurance reimburses you for reasonable expenses, like meals and lodging, if your trip is delayed for a covered reason, like bad weather.
Most major card issuers offer some form of trip delay insurance, but coverage varies widely. Some cards will only reimburse you if your flight is delayed for a certain number of hours, while others have more generous coverage that includes expenses incurred if your trip is delayed for any reason.
To help you find the best credit card for your needs, we’ve compiled a list of the best cards with trip delay insurance. Read on to learn more about each card and find the right one for you.
Chase Sapphire Reserve®: Best Overall
The Chase Sapphire Reserve® is our top pick for the best credit card with trip delay insurance because it offers up to $500 in reimbursements per ticket when your trip is delayed for more than six hours. You’ll also be reimbursed for other reasonable expenses, like meals and lodging.
To be eligible for this benefit, you’ll need to pay for your flight with your Chase Sapphire Reserve®. You’ll also need to file a claim with Chase within 20 days of your return date.
This card comes with a $450 annual fee, but your first year’s fee is waived. You’ll also get a $300 annual travel credit that can be used for any travel expenses, like airfare, hotels, and car rentals.
Plus, you’ll earn 3 points per $1 spent on travel and dining purchases and 1 point per $1 spent on all other purchases. When using Chase Ultimate Rewards® to book travel, each point is worth 1.5 cents.
If you’re looking for a card with great trip delay coverage and a host of other valuable perks, the Chase Sapphire Reserve® is a great option.
The best credit card for flat-rate rewards is the Capital One® Venture® Rewards card.
The Capital One® Venture® Rewards Credit Card offers trip delay insurance that reimburses you for up to $500 per
How does trip delay insurance work?
If your travel plans are disrupted by a delay, some credit cards will reimburse you for your expenses. Here’s what you need to know about trip delay insurance.
Trip delay insurance is a benefit offered by some credit cards. If your flight is delayed for a certain number of hours, the card will reimburse you for expenses like meals and lodging.
To be eligible for trip delay insurance, you must pay for your flight with a card. The benefit is usually triggered by a delay of 12 hours or more.
There are some caveats to trip delay insurance. For example, the benefit may not cover delays caused by weather or strikes. And, you may only be reimbursed up to a certain amount.
Still, trip delay insurance can be a valuable perk if you frequently fly. If your card offers this benefit, be sure to familiarize yourself with the details before your next trip.
What are the exclusions of trip delay insurance?
Trip delay insurance is a great way to protect yourself financially if your travel plans are disrupted. However, there are some exclusions that you should be aware of before you purchase a policy.
- Pre-existing conditions: If you have a pre-existing medical condition that causes your delay, you will not be covered.
- Weather-related delays: If your delay is due to bad weather, you will not be covered.
- Mechanical delays: If your delay is due to a mechanical problem with your plane or other transportation, you will not be covered.
- Terrorism: If your delay is due to a terrorist attack, you will not be covered.
- Strike: If your delay is due to a strike by an airline or other transportation workers, you will not be covered.
- Natural disaster: If your delay is due to a natural disaster, you will not be covered.
- Government action: If your delay is due to government action, such as a closure of the airport, you will not be covered.
- Missed connection: If you miss your connecting flight due to a delay, you will not be covered.
- Canceled flight: If your flight is canceled and you are not able to take an alternate flight, you will not be covered.
- Delay due to change in plans: If you decide to change your plans and your flight is delayed as a result, you will not be covered.
Before you purchase trip delay insurance, be sure to read the policy carefully so that you are aware of all the exclusions. By understanding the exclusions, you can be sure that you are purchasing the right policy for your needs.
How can I make a claim for trip delay insurance?
If your trip is delayed for more than a certain amount of time, you may be eligible to file a claim with your credit card issuer for trip delay insurance.
Trip delay insurance is a type of coverage that can reimburse you for certain expenses, like meals and lodging, if your travel is delayed.
To make a claim for trip delay insurance, you will need to contact your credit card issuer and provide documentation of your delayed trip, such as a flight itinerary or train ticket.
You may also be required to submit receipts for any eligible expenses. Once your claim is approved, you should receive a reimbursement within a few weeks.
If you are planning a trip, be sure to check if your credit card offers trip delay insurance and what the coverage limits are. This can help you know what to expect if your travel plans are delayed and how to file a claim if necessary.
1 thought on “The best credit cards with trip delay insurance 2023”