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Manufacturer of the product is: MAPFRE Middlesea

MAPFRE Middlesea p.l.c. (C-5553) is authorised by the Malta Financial Services Authority (MFSA) to carry on both Long Term and General Business under the Insurance Business Act. MAPFRE Middlesea p.l.c. is regulated by the MFSA.

Travel Insurance - Frequently Asked Questions

More information

Optional Cover COVID-19 Extension – Frequently Asked Questions

Our travel policy allows you to travel with peace of mind knowing that should anything go wrong, you have the best level of protection.

The product is designed to cater for standard travelling needs whether you are travelling for business, pleasure or otherwise.

The travel policy includes worldwide travel assistance on a 24/7 basis from our call-centre in Malta.

For more information about Travel Insurance you can download this document here  and here.

Important Note: The European Health Insurance Card (EHIC) or the Global Health Insurance Card (GHIC) for UK citizens provides you with free or reduced-cost emergency medical treatment in countries within the European Economic Area (EEA). Keep the EHIC/GHIC card safe, preferably with your passport, and carry it with you when travelling within the EEA. For more information and/or to obtain the card please visit EHIC – European Health Insurance Card – EHIC – European Health Insurance Card – SchengenVisaInfo.com .

Benefits and Advantages

Unavoidable cancellation.

We cover you if the travel is unavoidably cancelled as a result of the departure from Malta being delayed for at least 24 hours.

Inevitable lengthening of trip

We will pay you for reasonable extra travel and lodging charges suffered due to the inevitable lengthening of your trip.

Abandonment of Trip

Extra costs will be paid if you must abandon the trip because your home or that of your travelling companion(s) is made unfit to live in by fire, explosion, storm, flooding or impact by aircraft. We cover this event if it happens after you have purchased this policy or booked your trip, whichever is the later. We cover also the costs of your return if you or your travelling companion(s) is required by the police authorities to stay at home or at the place of work as a result of burglary, theft or vandalism.

Emergency medical treatments

Additional accommodation expenses.

If you are warned by a doctor that you should stay longer outside Malta than you planned, we include the cost of additional room only accommodation expenses of a similar kind to the one you previously had. We also cover the extra travel and room only accommodation costs of one relative who has to travel or stay with you, providing both if it is necessary.

If your international transport by aircraft, ship or train is delayed on leaving abroad or returning back to Malta, we will pay you the amount fixed in the schedule for every 8 hour period you are delayed.

Personal Belongings

We will pay you the expenses to substitute or mend your personal belongings if during your travel these are accidentally damaged, lost or stolen. This includes luggage, clothing, valuables, sports equipment, musical instruments and other items which you normally wear or carry with you.

Lost Luggage

We cover the cost to obtain essential items if your luggage is temporarily lost (more than 8 hours).

Travel documents

Your legal liability.

In the case of an accident during your trip, if anyone is bodily injured, we will cover you against your legal liability for damages, claimant’s costs and expenses.

General Conditions

This insurance protects you while you are travelling. In case of emergency, policyholders may reach our Call Centre on (+356) 2248 0209 .

• With this insurance you can choose between 3 progressive levels of coverage with increasing compensations: Low Cost, Economy and Club. This policy applies only to persons resident in Malta who are taking conventional non-working holidays or business trips. We should be informed if you aim to include a planned sporting activity during your trip.
• If you cannot avoid cancelling or abandoning your trip, we will cover travel and accommodation expenses, including kennel and cattery fees, that you have already paid or contracted to pay and which you cannot get back. This includes too prepaid car hire, excursions, tours or leisure activities.
• We will pay for travel and accommodation expenses, including kennel and cattery fees already paid or contracted, prepaid car hire, excursions or activities, if your journey by air or sea is cancelled due to extreme weather conditions, natural catastrophes or labour strikes. We cover you if it is provided that such cancellation could not reasonably have been expected at the time of contracting the policy.
• We will pay you reasonable extra travel costs if you need to abandon the trip because you, your travelling companion(s), or your close relative(s), is seriously bodily injured, falls gravely ill or is quarantined.
• We will pay extra charges if you have to abandon your travel because you or your travelling companion(s) is called for jury service or as a witness in a Maltese court of law. Also, if you or your companion is unwillingly made redundant and registered as unemployed.
• We will pay for emergency medical treatments outside Malta including rescue services to take you to hospital. We also cover emergency dental treatment for the immediate relief of pain. We will not pay the cost of any non-emergency treatment or surgery which are not directly related to the illness or injury for which you originally went into hospital.
• We will pay you for loss of your personal money and financial loss resulting from any credit and debit cards issued in Malta, being stolen or accidentally lost and then used by someone other than you during your travel. This includes credit, debit, cheque, bankers or cash dispenser cards. We will not pay for any loss or robbery which you do not report to the authorities and obtain a written report from them within 24 hours of discovery.

Requirements & Restrictions

This policy has certain requirements that shall be evaluated by the customer. It is crucial to consider them in order to decide which insurance policy satisfies better the policyholder needs.

• You must do all that you reasonably can to prevent loss or damage to property insured under this policy and to maintain such property in a good condition.

The following restrictions apply to the policy:

We do not cover an illness if you have travelled against the advice of a doctor. We do not cover either a medical condition for which you were planning to obtain medical treatment during your trip.

• We do not cover you if you did not receive or have the recommended inoculations and/or took the recommended medication for your travel.
• We will not pay you in case of an incident if you are under the influence of alcohol, solvents or drugs except drugs prescribed by a doctor other than for the treatment of drug abuse.
• We will not cover you if you are taking part in any flying or other aerial activities of any kind, other than as a fare paying passenger in a fully licensed carrying aircraft.
• Motorcycling as a rider or passenger on a machine in excess of 125 cc is excluded.
• We do not cover loss or damage of your properties which happens gradually or is caused by subsidence, heave or landslip.
• We do not cover loss or damage of your properties caused by or resulting from rust, corrosion, wet or dry rot, mould, vermin, insects, fungus, deterioration, latent defects or poor workmanship, or the use of faulty materials or wear and tear. Defect in construction or installation, faulty design, latent defects atmospheric or climatic conditions, the action of light, ingress of water, process of restoration are also excluded.
• We do not cover the use of animals (except domestic animals), firearms, aircrafts including unpowered flight, motorized vehicles, boats, or other vessels (except manually propelled watercraft).
• Coverage is not provided for damage or loss caused by war, invasion, rebellion, martial law, and confiscation or nationalisation of property under the order of any government or public authority.
• We do not pay for direct or indirect loss or damage caused by computer viruses.
• We do not cover any loss caused by, resulting from, arising out of or related to Pandemic, Epidemic or Coronavirus Diseases (however COVID-19 cover can be bought back by extension)

Recommendations for use

We recommend to the policyholder, in order to receive benefits from all the guarantees of the policy, to consider some relevant aspects before and after contracting the insurance:

• You or your legal representatives must give the company notice, as soon as reasonably possible, of any accident or incident. You must send us every information about the event in your possession.
• You have to inform the police without delay about any property which has been lost, stolen or damaged. Also, you must do all you can to recuperate any lost or stolen item.
• You must notify the authorities of any lost or stolen credit and debit card.
• You must forward us immediately (and unanswered) any writ, summons or other legal documents in connection with any claim or legal liability resulting from injury or damage.
• You cannot admit, reject or negotiate on any claim with anyone else without our written permission.
• Where fraud (including exaggeration) is detected, claims will not be covered and we may inform the police for criminal prosecution.
• We may at our cost, start legal action in your name to recover compensation from others in respect of any amount payable under this policy.
• If any loss or damage, which you are claiming for under this policy, is covered by any other insurance, we will pay you only a proportional part of that claim.
• If we disagree about the sum to be paid under this policy, you and we have the right to refer to arbitration. We will inform you of this option and you must then write and tell us if you want to proceed. An arbitrator will be appointed in accordance with the statutory provisions. The distribution of the expenses of the arbitration will be determined by the arbitrator. The making of an award is a condition precedent to any right of action against us. Arbitration procedure does not restrain you from appealing against the decision in a court of law.
• If before the expiry of the period of insurance you are prevented from making your planned return journey, due to your bodily injury or illness, the duration of the policy is extended automatically without additional premium for up to a maximum of 30 days.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Home 5 Property and Contingency Insurances 5 Travel insurance

Provides coverage to persons who travel outside of Puerto Rico with worldwide coverage.

Or if you prefer to call us at

Before traveling, it is important to take out travel insurance that offers the necessary protection to those travelers who wish to stay outside of Puerto Rico. To do this, MAPFRE offers you its travel insurance that will protect you against minor unforeseen events or even medical emergencies.

Travel Insurance Coverages

The policyholder will have the option to select limits and coverages from among the following coverage plans: Platinum, Gold, Plus.

Those eligible for this coverage are persons who travel outside of Puerto Rico:

• Who are not older than eighty-four (84) years of age at the time they make the trip.
• They are not registered in a formal educational institution outside of Puerto Rico territory.

For more information, you may access the brochure or call MAPFRE Contact Center directly at 787-250 5214 or 1-888-835-3634 (island).

Download document in Spanish PDF (2,86 MB)

FAQ – Travel Insurance

What does travel insurance cover.

The travel insurance protects the policyholder for incidents that occur during a trip. These incidents range from trip cancellation, loss of luggage, to emergency medical assistance and transport.

What period is covered by travel insurance?

The travel insurance shall be valid on the day the policyholder boards the transport on which he/she is travelling and ends with the expiry of the contracted trip.

Benefits and Advantages of Travel Insurance

The property and contingency MAPFRE insurances offer the policyholders a number of benefits and advantages that together with the best coverages, provide peace of mind to them and their families.

• This insurance protects you when you are travelling and covers medical emergency assistance and medical transport or transfer if needed.
• With this insurance you can choose between 3 progressive levels of coverage with increasing compensations: Plus Plan, Gold Plan and Platinum Plan.
• All policyholders have access to the most modern telephone office in Puerto Rico, MAPFRE Contact Center, which deals with all the issues related with MAPFRE’s insurances. It is a specialized service that meets the needs of our customers and claimants.

Your Travel Insurance offers you the following benefits:

Benefits of the transfer coverage

Covers the travel expenses of the insured in case of emergency, by the mean of transportation chosen by the attending physician.

Benefits of the Medical Assistance coverage

Hospital expenses, medical expenses and surgery are covered in case of emergency caused by accident or illness.

Benefits of the Dental and Odontological Assistance coverage

We will cover the costs of dental care or dental emergency to the maximum limit set.

Benefits of the travel cancellation coverage

 Reasonable expenses incurred by the cancellation of the trip due to death, accident or illness are indemnified. The policyholder has up to seventy-five days before the travel date to cancel, according to the contracted conditions in this policy.

Benefits of the luggage cover

The insured will receive a compensation for the loss of the luggage, according to the selected plan. If the luggage is recovered, the previously mentioned amount will be refunded to the Company.

General Conditions

• The Travel insurance provides cover for persons travelling outside of Puerto Rico.
• The cover of this policy is global.
• This policy provides immediate attention to the insured in the most varied situations, such as illness, accident, or dental emergency.

Requirements and Restrictions

This insurance has certain requirements and exclusions that the policyholders must consider in order to know better their rights and obligations when hiring it.

• This policy is aimed at persons whose age does not exceed 85 years at the time of the trip.

The insurance has the following exclusions:

• Persons who are enrolled in an institution of academic education outside of Puerto Rico cannot benefit from the advantages of this policy.
• We will not provide coverage for events intentionally caused by the policyholder.
• Events derived from floods, earthquakes, volcanic eruptions, atypical cyclonic storms, atmospheric depressions, hurricanes, tidal waves, storms or falling meteors are excluded.
• We will not provide coverage for damages caused by riot or tumult.
• We will not provide coverage for damages caused by nuclear radiation.
• Events caused by the insured involvement in bets, organized sporting events or speed tests with vehicles are excluded.
• We will not cover expenses for medical care provided inside Puerto Rico.

Recommendations for use

MAPFRE recommends the policyholders, in order to receive benefits of all the guarantees of the policy, to consider some relevant aspects before and after contracting it:

• Read carefully the clauses and the special provisions of each coverage.

Once contracted the Travel policy:

• The policy takes effect from the start date of the travel until the return to Puerto Rico.
• It is useful to know the clauses, limits and policy requirements to act accurately in case of accident or mishap.
• Documents related to the policy need to be located in a suitable place.
• In case of an accident, you must contact us without delay.
• We will refund the amount of the calls made by the policyholder to notify an accident, in case the insured could not make collect calls.
• In case of an accident, the insured is obliged to use the means at its disposal to mitigate the consequences of it.
• The policyholder must always act in good faith in case of loss or any situation that could give rise to a claim.
• The policyholder must not negotiate claims by third parties related to an incident, except with our express consent.

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At MAPFRE Insurance, we build relationships based on trust. We’re committed to providing high quality products, valuable services and exceptional customer experiences.

With more than 40 years of experience, we are recognized as a leading global foundation for our commitment to people’s well-being and social progress. Our mission, as a non-profit institution of MAPFRE, is to contribute to improving people’s quality of life and the progress of society through multinational programs and activities.

We’re focused on attracting, developing, engaging and retaining quality employees to ensure mutual success. Discover the variety of positions and opportunities available at MAPFRE Insurance. Your future starts here! MAPFRE Insurance is proud to be an equal opportunity employer.

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Table of Contents

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims 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.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.