discover trip cancellation

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Credit Cards

Which Credit Card Issuer Has the Best Travel Insurance: American Express vs. Discover vs. Barclays?

Many credit card users are familiar with travel benefits offered by their credit cards including car rental coverage and lost luggage protection. Some credit cards go beyond this level of coverage, providing travel insurance that covers cardholders in the event of unforeseen events, accidents or illnesses. We’ll take a look at three big credit card issuers and the types of credit card travel insurance they offer. This coverage may factor into your decision when you’re choosing which credit card to use when booking a trip, which is an important decision to make in case you need to make a claim.

Two Types of Credit Card Travel Insurance

There are two types of travel insurance offered by credit cards:

Trip Cancellation Insurance

Travel Accident Insurance

Trip cancellation insurance covers the cost of your travel, up to a certain amount, if you have to cancel or delay your trip because of an illness, accident or a death in your immediate family. To take advantage of this insurance, you must have booked the trip with the credit card that includes the coverage. The insurance will most often cover the cost of carrier transportation including airfare or a train ticket, but not the cost of lodging.

Travel accident insurance is similar to life insurance, providing coverage for you and your immediate family, up to a certain amount, in the event of an illness, accident or fatality that occurs while you’re traveling. Policies are often very specific on what is covered and when it is covered. It helps to pay close attention to the terms of the policy to know when you’re covered.

Let’s take a closer look at credit card travel protection offered by American Express, Barclays and Discover.

Best American Express Cards With Travel Insurance

All American Express credit cards include travel insurance when you purchase the flight with your Amex credit card or use Membership Rewards. The coverage amount depends on the credit card.

Amex cards with up to $100,000 in coverage
Amex cards with up to $250,000 in coverage
Amex cards with up to $500,000 in coverage

What Does American Express Travel Insurance Cover?

American Express travel insurance provides coverage for loss of life and dismemberment that occurs while on a common carrier. To be covered, you must pay for the entire trip using your credit card . You won’t be covered if you use frequent flyer points from another program or another form of payment for any part of the trip. However, if you combine American Express Membership Rewards Points and a credit card to pay for your ticket, you will be covered.

While American Express does not automatically provide coverage for trip cancellation or trip delays, they do offer a separate travel insurance package that consumers can purchase regardless of the credit card used to book travel. Coverage includes trip cancellation and interruption, travel accident protection, global medical protection, global baggage protection, global trip delay, and 24-hour travel assistance starting at $59. You can also choose individual coverage for as low as $11.

What Does Discover Flight Accident Insurance Cover?

Your Discover credit card includes up to $500,000 in flight accident insurance. The benefit covers you, a domestic partner and any eligible dependent children in the event of an accidental death or bodily injury while you’re on a trip. The loss of life benefit is paid to the beneficiary who you’ve designated in writing and filed with the plan administrator. Or, if you haven’t designated a beneficiary, the benefit will be paid to your first surviving beneficiary in this order: your spouse, your children, your parents, your brothers, and sisters or your estate. Claims must be filed with the plan administrator within 90 days.

Best Barclays Cards With Travel Insurance

A few of Barclays’ credit cards include travel insurance, trip cancellation coverage, and trip delay coverage:

Luxury Card™ Mastercard® Black Card™
Luxury Card™ Mastercard® Titanium Card™

What Does Barclay Travel Insurance Cover?

Barclays travel insurance provides medical expense, loss of life coverage and reimbursement for trip cancellation, interruption or delay. Coverage applies when you use one of Barclaycards credit cards to pay for your trip.

Barclays provides $250,000 in travel accident insurance which covers you, your spouse, and unmarried dependent children. Your family is insured against accidental loss of life, limb, sight, speech or hearing while you’re a passenger on a carrier that you’ve paid for with your credit card.

Trip Interruption/Cancellation Insurance

Barclaycards credit cards include trip interruption/cancellation insurance which will reimburse you for up to $1,500 towards the cost of a trip that is canceled due to sickness, accident or death. Barclays travel insurance coverage kicks in if your trip is interrupted because of:

severe weather
a change in military orders
a medical quarantine
jury duty or subpoena
terrorist attack or hijacking
an uninhabitable dwelling

Bonus: Trip Delay Insurance

World Elite credit cards also include Trip Delay. You’ll be reimbursed up to $300 when your trip is delayed by six hours or more. So, for example, if you needed to book a hotel because a flight was delayed, your card benefits would reimburse you up to $300 for the hotel stay.

Which Credit Card Includes the Most Travel Insurance?

First place.

Barclays covers not only accident insurance and trip interruption/cancellation but also includes trip delay insurance. This extensive travel coverage makes Barclays the winner.

SECOND PLACE

American express.

American Express credit cards come with varying levels of coverage and only cover loss of life and dismemberment. The premium credit cards that come with higher coverage amounts also have high annual fees. If you want trip cancellation insurance, you’ll have to purchase a separate policy.

THIRD PLACE

While Discover cards all come with $500,000 of travel accident insurance, coverage only applies to loss of life, not medical expenses related to dismemberment.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Travel Erudition

Does my discover credit card have travel insurance?

Most Discover credit cards come with built-in travel insurance coverage. This coverage can protect you in the event of trip cancellation, lost or delayed luggage, and more. To find out if your particular card has travel insurance, check the benefits guide that came with your card. You can also call Discover customer service to ask about your card’s coverage.

No, your Discover credit card does not come with travel insurance.

Does Discover credit card have insurance?

Discover no longer offers travel insurance coverage.

Some credit cards offer trip cancellation insurance as a benefit to cardholders. This insurance can reimburse you for non-refundable trip expenses if you have to cancel your trip for a covered reason.

To find out if your credit card offers this benefit, just call the customer service number on the back of your card and ask. Keep in mind that the benefits and coverage can vary greatly from one card to another, so be sure to read the fine print before you purchase any travel insurance.

Do you need travel insurance if you pay with credit card

If you miss your flight because it’s overbooked, your airline is required to give you money to cover expenses like food and accommodation. However, they are not responsible for cancellations due to bad weather. In this case, the travel insurance on your credit card may help.

If you’re traveling, it’s a good idea to let your bank know in advance. That way, they won’t flag your account for potential fraud if you make any unusual transactions.

What benefits do I get with my Discover card?

There are a lot of great things about this credit card! For one, you get cash back in popular areas which is always nice. Additionally, the redemption flexibility is great and the long 0% intro APR period is definitely a valuable perk. New cardholders also get a valuable sign-up bonus, and there’s no late fee the first time you pay late. Another great feature is that there are no foreign transaction fees- so you can use this card internationally without any issues. Finally, the account-freezing function is really useful in case of theft or loss. Overall, this is a great credit card with a lot of great features!

Discover charges no foreign transaction fees which is great for people who travel frequently. All Discover credit cards earn cash back rewards and Discover card rewards have no minimum rewards balance needed to redeem. Discover cardholders get a free Credit Scorecard with their FICO® Score and other important credit information. Scores are updated monthly.

Does trip insurance cover if I cancel my flight?

travel insurance can provide coverage for your prepaid, nonrefundable travel expenses in the event that your flight is canceled due to the DOT rules in place.

If you’re looking for a credit card that offers travel insurance, be sure to compare different card features and benefits to find the best one for you. While most travel rewards cards offer some form of travel insurance, not every credit card does. Generally, the higher a card’s annual fee, the more perks and benefits you’ll get with it, and this usually includes extras like travel insurance.

What is considered covered trip cancellation

If you’re ever faced with an unexpected event that causes you to cancel your trip, you may be covered if you have travel insurance. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster. Be sure to read the fine print of your policy to know exactly what is and isn’t covered.

A comprehensive policy is a great option for travelers as it covers a wide range of potential problems that could occur while on a trip. Delays, cancellations, lost luggage, and emergency medical costs are all typically covered by a comprehensive policy, making it a great way to be prepared for anything that might come up while traveling.

How do I protect my credit card when traveling?

Credit card fraud is one of the most common types of fraud, and it can be especially prevalent when you’re on vacation. Here are five tips to help protect your credit cards when you’re traveling:

1. Lighten up your wallet: Only carry the cards you’ll need while on vacation, and leave the rest at home.

2. Opt for cards over cash: Debit and credit cards offer more protection than cash if they’re lost or stolen.

3. Use a card for protection and control: When making purchases, use a credit card instead of a debit card. Credit cards offer fraud protection and allow you to dispute charges if there’s a problem.

4. Never leave your card unattended: Don’t leave your card unsupervised, even for a moment.

5. Check your account statements: Regularly check your account statements for unauthorized charges. If you see something suspicious, contact your card issuer immediately.

While it may be tempting to put all of your expenses on a credit card, it’s important to avoid doing so for certain types of expenses. Mortgage or rent, household bills, and down payment should never be placed on a credit card as it can be difficult to keep up with payments. Small indulgences or vacation can be put on a credit card, but be sure to pay it off as soon as possible to avoid accumulating too much debt. Medical bills, taxes, and student loans should also be avoided if possible as they can be quite expensive and difficult to pay off.

Is Discover a good card for international travel

Discover cards are not as widely accepted as Visa or Mastercard cards outside of the United States. If you’re planning on using your Discover card for purchases around the globe, you may want to consider getting a card on the Visa or Mastercard network.

Yes, you can withdraw local currency from Visa ATMs worldwide. The set fee for international withdrawals is R65 for each withdrawal. The Discovery Bank Black and Purple Suites and Discovery Bank Black Transaction Account (bundled fee) offer unlimited free withdrawals worldwide.

Can I use a Discover card in Europe?

If you’re planning a trip to Europe, you might want to consider using a different credit card. Unfortunately, Discover card acceptance is hit or miss in many European countries. In some countries, such as Austria and Switzerland, Discover card acceptance is relatively high. However, in many popular tourist destinations, such as France, Discover card acceptance is quite low. This can be frustrating if you’re trying to use your card to pay for things while on vacation. If you’re worried about Discover card acceptance, you might want to consider using a different credit card that has a higher acceptance rate in Europe.

The bottom line is that merchants pay more to accept Discover cards. This is one of the main reasons why many merchants opt-out of accepting them. American Express is also in the same boat, charging more to store owners to accept their cards.

What is the difference between a Discover card and a Discover it card

There are a few key differences between the Discover it® Cash Back and the Discover it® chrome cards. The Discover it® Cash Back offers a bonus on rotating categories, while the Discover it® chrome offers an ongoing bonus on gas and restaurant purchases. Another key difference is the annual fee – the Discover it® Cash Back has no annual fee, while the Discover it® chrome has a $0 intro annual fee for the first year, then $95.

Visa credit cardholders are eligible for travel insurance coverage at no extra cost. This coverage includes protection for accidents, trip cancellation, lost luggage, and more. To be eligible for this coverage, simply pay for your travel expenses with your Visa card.

Yes, your Discover credit card does come with travel insurance. Some of the benefits included are emergency medical and dental coverage, trip cancellation and interruption protection, and baggage delay insurance. You can find more information about the travel insurance benefits offered by Discover by calling the customer service number on the back of your card.

Based on the policy information from Discover, it appears that their credit card does not have travel insurance. This is likely because travel insurance is typically an add-on service that comes with certain credit cards or financial products. However, it’s always best to check with your credit card company to see if they offer any type of travel insurance.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

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Thousands of flights are getting canceled this summer — here's how credit card travel insurance could help you

Credit card travel insurance can help offset the cost of a canceled flight. here's what you need to know..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Travel is returning this summer, but it hasn't been all smooth sailing for vacationers.

Commercial airlines were pushed to the brink of bankruptcy during the pandemic, and now they're confronting a myriad of issues, including both fuel and staffing shortages, as well as a lack of planes, which is making it hard for them to respond to the rising customer demand.

A combination of these issues led to thousands of Americans being stranded this past weekend, primarily American Airlines and Spirit Airlines passengers, when their flights were canceled or delayed. This snarl left many travelers in precarious situations, forced to foot the bill for hotels, meals and other incidental expenses.

A last-minute hotel room is costly, airport meals can be outrageously expensive and before you know it, travelers dealing with a delayed or canceled flight can find themselves spending hundreds of dollars they weren't planning to. However, the right travel credit card that includes some travel insurance can save you money on these unexpected expenses.

As long as you book your trip with a qualifying credit card and are able to show proof through receipts and travel itineraries, travel insurance programs offered by credit card issuers will reimburse consumers the costs that arise when they face delayed or canceled travel plans.

So before you panic the next time your flight gets canceled, Select is here to walk you through the different travel insurance policies that credit cards offer and how they work, plus the best credit cards offering these policies.

Travel insurance offered by credit cards

How to file travel insurance claim with credit card

The best credit cards with travel insurance

Faqs about travel insurance.

There are several different types of travel insurance included in certain credit card benefit programs, including trip cancellation/interruption insurance, trip delay insurance and baggage insurance. Along with this, many cards offer travel assistance service in case you need help with arranging new itineraries or accessing resources while you're away from home.

Here are the different types of insurance, and what each one covers.

Trip cancellation/interruption insurance

Trip cancellation/interruption insurance is a two-in-one policy, helping travelers when their itineraries are thrown off due to unforeseen circumstances such as weather, a medical emergency or even jury duty.

Trip cancellation insurance covers your losses if a qualifying event prevents you from traveling on or before the departure date and results in your trip being canceled.

Trip interruption insurance covers losses if your travel is interrupted on the way to the point of departure or after departure. This means that if you experience car issues on your way to the airport for example, or a serious injury during your trip, or any other event that interrupts your travel plans, you may qualify for coverage.

Travelers can also be reimbursed for expenses that pop up if a trip is postponed and they need to book an additional hotel room, rent a car or pay for extra meals.

Each credit card issuer has different terms and conditions, so makes sure to read the fine print carefully so you understand what is covered under your insurance and how much you could be reimbursed.

For example, the Chase Sapphire Preferred® Card provides up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses. This covers the cardholder and immediate family members, even if the primary cardholder is not traveling with them. So if you have to cancel your vacation to Cancun because of a hurricane, you can be reimbursed a portion, or all, of the cost of the trip.

Trip delay insurance

If you're vacation was ruined because of a canceled or delayed American Airlines or Spirit Airlines flight last weekend, you likely could have used some trip delay insurance.

The policy kicks in if your trip is delayed by a specified number of hours, or if it requires an unanticipated overnight stay.

You get trip delay insurance with the Platinum Card® from American Express , which kicks in if your flight is delayed more than six hours. You're entitled up to *$500 in compensation per trip, which covers expenses like meals and lodging. The compensation is sent as a check via mail.

*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.

Baggage insurance

There were nearly 3 million mishandled bags among U.S. airlines in 2019, according to the Air Travel Consumer Report . While this may sound like a large number, over 480 million bags were checked, which means over 99% of bags made it to their final destination without issue. But for the less-than 1%, their bags were either misplaced, lost, damaged or stolen.

Credit card issuers typically offer two different policies: baggage delay insurance and lost luggage reimbursement.

Policyholders with baggage delay insurance will be reimbursed if they need to purchase essentials while waiting to get their bags back. For example, if you have a Chase credit card with baggage delay insurance, you can be reimbursed up to $100 a day for five days for essential items like toiletries and clothing.

If your bags are completely lost, Chase Sapphire Reserve® cardholders can get up $3,000 with their lost baggage reimbursement policy.

Travel assistance services

When system-wide issues happen across a specific airline brand or airport (whether it's a computer malfunction or bad weather), it puts a major strain on call centers. This can lead to customers facing long hold times, with no easy solution for getting on the next flight.

If your travel plans are derailed, see if your travel credit card offers travel assistance services. This is a hotline for credit card customers that can provide guidance about travel issues, medical/legal referrals, emergency ticket replacement, lost luggage locator service and other emergency resources.

These services are typically offered 24/7 and can be found on several travel credit cards including the Bank of America® Premium Rewards® credit card , Chase Ink Business Preferred® Credit Card and the Delta SkyMiles® Reserve American Express Card .

How to file travel insurance claim with a credit card

Insurance is great to have, but you hope you never need to use it. In the unfortunate circumstance that you do, here's how you can file a claim with each credit card servicer.

American Express cardholders: File a claim by calling Amex at 1-844-933-0648 or filing a claim on the app within 60 days of the incident.
Chase cardholders: File a claim by calling 888-320-9961 or online at at http://www.eclaimsline.com/
Citi cardholders: Call the benefits administrator at 800-847-2911
Visa Signature cardholders (including some Capital One cards): File a claim by calling 800-757-1274 within 20 days of luggage being lost.

When you submit the claim, you'll need to provide receipts and documentation of the incident, so make sure you gather your paperwork ahead of time.

There are a handful of credit cards that offer travel insurance and most come with an annual fee. For frequent travelers, this can be worthwhile, but it's important to choose a card that works best for your financial situation.

Here are some credit cards that offer travel insurance.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers a long list of travel insurance coverage, including: *trip cancellation/trip interruption insurance, rental car insurance, baggage delay insurance, trip delay reimbursement, lost luggage reimbursement and travel emergency assistance.

Chase Sapphire Reserve®

The Chase Sapphire Reserve offers the same travel insurance as the Sapphire Preferred.

The Platinum Card® from American Express

The Amex Platinum offers trip cancellation/trip interruption insurance, rental car insurance, baggage delay insurance, trip delay reimbursement, lost luggage reimbursement and travel emergency assistance.

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.

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card offers the same insurance coverage as the Amex Platinum.

The Business Platinum Card® from American Express

The American Express Business Platinum Card offers the same insurance coverage as the Amex Platinum.

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards provides trip delay reimbursement, trip cancellation/interruption insurance, baggage delay coverage, lost luggage reimbursement, emergency assistance services along with emergency transportation coverage.

Chase Ink Business Preferred® Credit Card

The Ink Business Preferred credit card offers trip cancellation/interruption, rental car insurance, roadside dispatch and emergency assistance services.

Does travel insurance cover medical expenses?

Depending on the policy, yes. If your policy has trip interruption/cancellation coverage, medical expenses incurred during the trip are likely covered, including if you fall ill due to Covid-19 .

Additionally, cards like the Chase Sapphire Preferred® Card have accidental death and dismemberment (AD&D) policies covering eligible cardmembers up to $500,000.

Is travel insurance worth it?

Travel insurance offered through a credit card can save you potentially hundreds in the case your travel plans go awry. And not all travel credit cards with travel insurance have exorbitant annual fees, including the Chase Sapphire Preferred® Card , which offers robust travel insurance coverage along with other benefits for a $95 per year annual fee.

How do I get travel insurance?

The easiest way to get travel insurance is to sign up for a credit card that offers it as a perk to customers. By simply using a card with travel insurance to make your travel purchases (including flight and hotel), your trip will automatically be insured.

However, if a travel credit card isn't best for you, you can buy coverage for your trip through third-party insurance policies. These can sometimes be expensive and difficult to use, so make sure to read the fine print before you purchase such a plan.

Information about the Bank of America® Premium Rewards® credit card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Advertiser Disclosure

Guide to travel insurance with credit cards

As you plan your next trip, check your credit cards for their travel insurance benefits

Published: July 13, 2022

Author: Susan Ladika

Editor: Grace Pilling

Reviewer: Kaitlyn Tang

How we Choose

This guide features what’s included in travel insurance and how to assess what coverage you need based on your trip type, destination and length.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

Travel insurance has your back when the unexpected happens on a trip. In fact, many countries—from Anguilla to the United Arab Emirates—require visitors to have travel insurance upon arrival.

One way to protect your investment in a grand getaway or storybook honeymoon is through travel insurance. A number of credit cards offer travel insurance , covering everything from canceled or interrupted travel to lost luggage and damage to a rental car. That said, the type of coverage varies.

According to Carol Mueller, vice president of Berkshire Hathaway Travel Protection, about 25 percent to 30 percent of leisure travelers in the United States purchase travel insurance.

But before you purchase a travel insurance policy for your next vacation or hop on a flight assuming your credit card’s got you covered, here’s what you should know about travel insurance and how to pick the right coverage for you.

What is travel insurance?

Travel insurance (sometimes called trip insurance) will reimburse your prepaid travel expenses if things go awry or compensate you in the event of an emergency.

Depending on the type of coverage you have — either offered via a credit card or with a travel insurance policy you paid for — you may get your money back if you have to cancel the trip before you depart or if you cut your trip short for an unforeseen reason.

Credit cards may include types of coverage that you won’t find with a travel insurance policy you purchase, such as coverage for rental cars. And the travel insurance you purchase may offer coverage that your card doesn’t include, such as medical evacuation insurance.

Who needs travel insurance?

In some cases, the insurance benefits provided by your credit card may be enough. In other cases, you might want to boost your benefits by purchasing travel insurance. The difference may depend on where you’re headed and how much the trip costs.

If you spend $200 on an airline ticket to visit your parents one state over, you might not need additional travel insurance. But if you’re going on a cruise that costs thousands of dollars and need to make payments months in advance, you might want the extra protection that travel insurance offers.

To determine what kind of travel insurance you need, including how much coverage you need in terms of dollars, consider the following questions:

Will you be traveling domestically or internationally?
How long will you be traveling? Is it a short trip (seven days or less) or a long trip?
Are you traveling for business, pleasure or an emergency?

For example, if you’re going on a quick business trip, you will likely not need the same level of travel insurance coverage as if you’re heading out on a weeklong vacation outside the U.S.

How much does travel insurance cost?

If you have a credit card that offers travel insurance, then there’s no extra cost. You generally need to just use that card to pay for the trip in order to be eligible for coverage.

If your cards don’t meet your travel insurance needs — or you just want to be covered for any contingency — you may want to supplement your coverage by purchasing a travel insurance policy.

A travel insurance policy usually costs about 5 percent to 7 percent of the cost of the trip, Mueller says.

The main factors in the price of a travel insurance policy are the type of trip, including cost, length and destination, and the traveler’s age and any existing medical conditions.

What are the types of travel insurance?

There can be big differences between credit card coverage and a travel insurance policy you pay for out of pocket. The types of coverage offered can also vary greatly from one credit card to another.

Trip cancellation and trip interruption insurance

Trip cancellation insurance can reimburse your nonrefundable travel costs if you need to cancel your trip for a covered reason, such as illness or injury, before you depart.

Trip interruption insurance can reimburse your costs when you’re already on the road and your trip is interrupted for a covered reason, such as an illness or a natural disaster.

Many credit cards provide either trip cancellation, trip interruption insurance or both. There can be wide variations in coverage limits for trip cancellation/interruption insurance, and premium cards usually offer more generous policies.

For example, the Chase Sapphire Reserve , which has a hefty $550 annual fee, offers both trip interruption and cancellation insurance that provides coverage of up to $10,000 per person (up to $20,000 per trip) for prepaid, nonrefundable travel expenses. Meanwhile, the no-annual-fee Wells Fargo Visa Signature credit card * provides up to $2,000 per person in trip cancellation or interruption insurance.

Travel accident insurance

Travel accident insurance (often called flight accident insurance or accidental death and dismemberment insurance) is included with several credit cards. This insurance can provide a payout if you are killed or lose a limb or one of your senses — such as sight or hearing — while traveling on a common carrier.

The Capital One Venture Rewards Credit Card , for example, provides up to $250,000 of such insurance.

Emergency medical and evacuation insurance

This type of insurance covers emergency evacuation if you or your spouse, domestic partner or dependent children become seriously injured or ill while you’re traveling. Both the Citi Prestige® Card * and Chase Sapphire Reserve cards cover emergency services and transportation up to $100,000.

Once you are evacuated to a hospital, though, you may have to foot your own medical bills.

According to Steven Benna, spokesperson for the travel insurance site Squaremouth.com, Medicare generally does not pay if you have a medical emergency outside of the United States, and many private health insurance plans may not cover you if you’re traveling abroad.

Travel insurance policies you purchase on your own can include both emergency evacuation insurance and emergency medical insurance.

‘Cancel for any reason’ insurance

Cancel for any reason (CFAR) insurance will allow you to earn refunds on hotels and flights even if you cancel these reservations for reasons not included by traditional travel insurance policies.

These policies can be expensive, with most carriers who provide them offering them as an upgrade to a traditional travel insurance policy. Not all CFAR policies reimburse all your travel costs. Some policies, for instance, only reimburse you for 75 percent of your costs.

Trip delay insurance

Both comprehensive travel insurance policies and many credit cards, including some airline credit cards , will cover your expenses if your trip is delayed for a certain amount of time. The United Explorer Card , for example, will cover expenses such as meals or lodging if your trip is delayed more than 12 hours or if an overnight stay is required.

Lost or delayed baggage

Comprehensive travel insurance will typically cover the purchase of clothing and other essentials if your baggage is delayed. Some credit cards will also cover lost or delayed luggage. The Capital One Venture Rewards Card, for example, reimburses you for up to $3,000 if your luggage is lost.

Auto insurance

Credit cards may also offer travel protections that extend beyond flights, hotels and cruises. A number of credit cards, including the American Express® Gold Card , will cover you if you decline the collision damage waiver when renting a car and your rental vehicle is damaged or stolen.

Comprehensive insurance

Comprehensive insurance is by far the most popular type of coverage sold by travel insurance companies, Mueller says.

It bundles different coverages for one flat fee and can include trip interruption and cancellation insurance, accidental death and dismemberment insurance, travel delay insurance, emergency medical, dental and evacuation insurance and baggage delay insurance.

Who is covered by travel insurance?

Benefits provided by your credit card may cover you, your spouse or domestic partner and your dependent children. If you purchase travel insurance, you can buy a policy just for yourself or for your whole family if you are traveling together.

Be sure to check your benefit details or clearly communicate with an insurance provider when purchasing a policy to ensure your travel insurance offers sufficient coverage for all travelers in your party who need it.

How to find travel insurance

If you’ve got a trip coming up, first check your credit cards to see which types of coverage they provide. Travel insurance benefits on Chase cards , for example, tend to be impressive, especially on cards with a higher annual fee. You can also find solid travel insurance benefits with American Express and other issuers.

If you’re in the market for a new card and you’ve got a big trip on the horizon, you might want to check the travel benefits offered before applying for the card. You might even land a sweet sign-up bonus that will help cover some of your travel costs.

If you want to supplement your card benefits with other coverage, reach out to your current provider for home or auto insurance or check out travel insurance aggregators such as InsureMyTrip or SquareMouth .

Mueller recommends buying travel insurance within 15 days of making a deposit or paying for your trip.

Considering many policies have exclusions for preexisting conditions, you don’t want to be diagnosed with a disease and then be unable to buy travel insurance. Another reason to buy insurance well ahead of your trip includes the potential for unforeseen circumstances, such as a natural disaster or terrorist attack near or at your trip’s destination.

What to look out for with travel insurance

Changes to your credit card benefits.

Even if one of your credit cards offered travel insurance when you initially signed up, card issuers can change or remove benefits, so be sure to check your coverage before you depart. By the same token, perhaps you’re unaware of coverage offered by a card or, less commonly, one of your existing cards may also start offering travel insurance, so it’s wise to check the offerings on all your cards before a trip.

Exclusions and fine print

Both travel insurance that comes with your credit card and coverage you purchase will have exclusions, so read the fine print . For example, travel insurance typically won’t cover you for preexisting medical conditions or if you’re traveling against the advice of a physician.

Accidents arising from certain activities may also be excluded from coverage — if you’re participating in a competitive sport, for example, or a high-risk activity like sky diving. If your itinerary includes such activities, you might be able to purchase a special policy, often tagged as an “adventurer” package.

Bottom line

Whatever you do and wherever you go on your next trip, you’ll want to be prepared. To be safe, be sure your next trip’s planning involves checking your credit card travel insurance benefits and purchasing additional travel insurance if you feel it’s needed.

*All information about Wells Fargo Visa Signature and Citi Prestige has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Susan Ladika spent more than three decades working as a journalist, reporting everywhere from Bali to Bosnia to Tampa Bay. Susan began writing about the fascinating field of personal finance for CreditCards.com and Bankrate during the heart of the Great Recession, when everyone wanted to learn how to save money and spend what they had more wisely. Over the years she’s written about a wide range of personal finance topics, including credit cards and debit cards, financial scams and frauds, savings and checking accounts, real estate and insurance.

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10 Credit Cards That Provide Travel Insurance

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Travel insurance helps you get your money back when things go wrong with your trip. And it remains a debate: Do you really need it, and is it worth it?

Personally, I’ve often skipped travel insurance, preferring to put the extra money toward my trip. Yet as I pulled into the airport after a winter ski trip to Jackson Hole, Wyoming, in my SUV rental, a snowplow kicked up a rock and a crack extended across the windshield. And just like that, I got in the dreaded rental car accident .

Thankfully, I had rented my car with my Delta SkyMiles® Gold American Express Card , which covered rental car windshield reimbursement. Note that I had also specifically opted out of the car rental's insurance coverage offered at the counter, which is a requirement in order to allow my credit card coverage to kick in. Terms apply.

» Learn more: The best travel credit cards right now

A number of credit cards provide various types of travel insurance (including trip cancellation, trip interruption and car rental loss and damage insurance) when you use your card to pay for flights, rental cars and other travel expenses. So do you need additional travel insurance? Maybe not.

What does your travel insurance cover?

First, let’s look at the different types of coverage that your credit card may offer to help protect your trip, from your bags to your rental car to your health.

Baggage delay . If your luggage doesn’t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase new attire and other items you may need. The length of delay required and the coverage offered varies by card.

Lost/damaged baggage . If your bags are lost or damaged by a carrier, or items have been stolen from your baggage, your provider may provide monetary compensation.

Trip delay . If your trip on a common carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases up to a certain amount per ticket.

Trip cancellation . If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption . If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (i.e., excursions, hotel nights).

Medical treatment . If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount.

Medical evacuation . If your illness or injury requires you to return home immediately for care, the insurance coverage through your card may cover the costs.

Travel accident insurance. In the case of accidental death or dismemberment, your credit card may provide coverage to you or to your beneficiary

Rental car insurance. This coverage provides protection to your rental car against theft and damage. Coverage may be primary or secondary to your personal auto insurance, depending on the card.

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

Some of the best travel rewards cards include various forms of travel insurance. These are a few of our favorite cards that offer certain types of coverage. If you have a different travel rewards card, it’s a good idea to check the benefits of your card before assuming that it either does or doesn’t have any of the coverage listed here.

1. Chase Sapphire Reserve®

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.

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

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

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

Travel accident: Up to $1,000,000.

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

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

Travel accident: Up to $500,000.

Rental car insurance: Up to the actual cash value of the car.

3. Marriott Bonvoy Brilliant® American Express® Card

Lost luggage: Up to $2,000 for checked bag and up to $3,000 for checked and carry-on bag. New York state residents get $2,000 per bag, up to a maximum of $10,000 for all covered persons per trip.

Travel accident insurance. Up to $500,000.

Trip delay insurance: Up to $500 per trip. Maximum benefit of $1,000 per 12-month period.

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.

4. Marriott Bonvoy Boundless® Credit Card

Baggage delay: Up to $100 per day for five days for essential purchases like toiletries and clothing for delays of over six hours.

Lost luggage: Up to $3,000 per passenger for checked or carry on luggage.

Damaged luggage: Up to $3,000 per passenger for checked or carry on luggage.

5. Southwest Rapid Rewards® Plus Credit Card

Chase Southwest Rapid Rewards® Plus Credit Card

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

Travel accident insurance: Up to $250,000 to $500,000 (Visa Platinum and Visa Signature, respectively).

Rental car insurance: Up to actual cash value of vehicle.

Travel and emergency assistance services: Assistance and referral via the Benefit Administrator, cardholder is responsible for all costs.

6. United℠ Explorer Card

Chase United Airlines Mileage Plus Credit Card

Trip cancellation: Up to $1,500 per person and $6,000 per trip.

Trip interruption: Up to $1,500 per person and $6,000 per trip.

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

Lost carry on luggage: Up to $1,250 per person for carry on baggage while in direct transit to or from a common carrier terminal, while traveling on a common carrier or while at a common carrier terminal.

Lost checked luggage: Up to $500 per person while traveling on a common carrier.

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

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

9. Capital One Venture Rewards Credit Card

Lost luggage: Up to $3,000 per passenger. For New York state residents, coverage is limited to $2,000 per bag.

Travel accident insurance: Up to $250,000.

Rental car insurance: Covers damage or theft with restrictions. Eligible rental periods are limited to 15 consecutive days in the cardholders home country or 32 consecutive days outside it.

10. Hilton Honors American Express Aspire Card

Baggage delay: Up to $100 per carrier for three days.

Do I need additional travel insurance?

Even with the coverage listed above, some credit cards offering travel insurance benefits may not provide enough insurance for your needs. For example, if you have paid $10,000 for a vacation using your card and trip cancellation is not offered, you may want to purchase additional coverage. Likewise, if you book a very expensive trip but your card only covers $10,000 in trip cancellation coverage, you may want to consider additional coverage.

American Express offers full travel insurance options through AmEx Assurance . This specific benefit is available to all travelers and does not require an American Express card. You can pick and choose the coverage you want, and a quote will be processed based on your age, trip expense and days traveling.

For example, here's what we found when requesting insurance for a two-day trip that costs $1,000. You can decide what coverage you'd like and see the full cost of your options:

The quote we received covered 100% reimbursement for cancellation, then offered different levels for other types of coverage.

Medical protection was available for $25,000 to $100,000.

Travel accident protection was available for $250,000 to $1,500,000.

Baggage protection was available for up to $500 to $2,500.

Trip delay coverage was offered for $150 to $1,000 per day, depending on selecting basic, silver, gold or premium options.

When renting a car, be sure to check the specific requirements of your credit card, which may vary by location and type of vehicle.

So do you need travel insurance? A good rule of thumb is if the amount you could lose is more than you want to lose (or can afford to lose) if something goes wrong, get the insurance. For a list of travel insurance companies that provide online quotes, read more about how to find the best travel insurance .

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

If you are concerned about an upcoming trip and want to be fully protected, combine your travel credit card insurance with a build-your-own plan to cover what your credit card does not.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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.

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.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit 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

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Credit Card

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

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6 Best Cancel for Any Reason Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

IMG Travel Insurance »

Squaremouth »

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 Cancel for Any Reason Travel Insurance Options.

Table of Contents

Travelex Insurance Services
Allianz Travel Insurance
Seven Corners

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

AXA Assistance USA
IMG Travel Insurance
Squaremouth

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000

SEE FULL REVIEW »

Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Compare multiple plans with CFAR coverage in one place

Comparison tool makes it easy to price shop

CFAR coverage reimbursements and fine print vary by company

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

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 she 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.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

Holly Johnson

These are the scenarios when travel insurance makes most sense.

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Discover Mobile 4+

Banking and finance, discover financial services.

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You can manage your Discover credit card and bank accounts conveniently and securely from anywhere, using Discover’s Mobile App. Check your account balance, view your account info, make and edit payments, add your card into Apple Pay, manage your rewards, and more - all from your mobile device. Do you have questions or comments about Discover’s Mobile App? Email us at: [email protected]. FAST ACCOUNT ACCESS • Log in quickly with a 4-digit Passcode • Log in faster with Discover Touch ID, available for users with Discover passcode enabled on an eligible device – not supported on modified or jailbroken devices • Enable Quick View to view account information without logging in MANAGE YOUR DISCOVER CREDIT CARD ACCOUNT • Check your balance and available credit, and view or download monthly statements • View and search transaction activity • Make payments and edit or cancel pending payments • Redeem rewards, in any amount, as a statement credit towards your monthly bill, including your minimum payment due • Redeem rewards, in any amount, as an electronic deposit to your bank account • Redeem rewards for gift cards starting at only $5. Plus, get an added bonus on every card • Link your Discover card to your Amazon and PayPal accounts to make it easier to earn and pay with rewards for eligible purchases at checkout • View your FICO® Credit Score* for free and learn what it means to lenders *See FICO® Credit Score terms at Discover.com/FICO • Freeze or unfreeze your account to prevent new purchases, cash advances, and balance transfers • Add your card into Apple Pay to use for purchases in-store on eligible devices with iOS 9 • Send and receive messages from Discover Customer Service • View and edit your account profile • Activate a new card or report a current card as lost, stolen or misplaced • Use the Travel Notification feature to help ensure uninterrupted use of your card while traveling • Sign up to receive alerts about your account MANAGE YOUR DISCOVER BANK DEPOSIT ACCOUNT AND PERSONAL LOAN ACCOUNT • View account balances, summary and transaction history • Track account activity and schedule transactions • Transfer money • Pay bills • Deposit checks • Find ATMs - Nationwide ATMs available to use your Discover debit card • View statements • View and send secure messages • Make Personal Loan payments Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.   Mobile Privacy Statement: https://www.discover.com/privacy-statement    Mobile Terms of Use: https://www.discover.com/credit-cards/help-center/discover-terms-of-use.html

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Best credit card ever

In total I have 15 credit cards, half of them have a limit of over $5k…. But I have never been treated so well like I have been with Discover, in my experience when you apply they’re very generous with their starting amount, minimum they give you an accurate amount according to your credit worthiness. When I first applied I was in the 680s to 690s with MyFico score system, No late payments but 1 electronic bill collection that was paid but not removed from my CR, anyway Discover started me out with $10k, and after a year’s worth of fully paid payments each month & a few payments that was $100 to $200 on top of minimum due payment they’ve increased my credit to $15k! don’t forget to take advantage of the first year no interest fees, but if possible still try to pay off your full amount each month regardless of no interest rate. But as long as you keep your account in good standing, discover will treat you good. Also it’s a excellent credit score booster. Now I’m in the mid 700s and credit cards are looking for me with pre approvals many with no hard inquiries And now I turn down credit offers!

Love Discover

As a customer of Discover Card for more than 30 years, I can honestly say that this bank has treated me better than any other bank. Financially, I’m in great shape now and I don’t need much help. But when times were tough, I was always able to call up Discover and they worked with me to get through the rough time. Once or twice a year I notice credit line increases, which tells me that someone is paying attention and silently saying “Thanks for being a customer. We like you and trust you. Here’s some more money, go have some fun.” It’s my lowest interest rate credit card, so I’m not really worried if I can’t pay it off in a particular month and need to pay a little interest on the next statement. They don’t crush me with ridiculous interest. The rewards are excellent. I save the reward money for the end of the year, and it literally pays for Christmas. And every now and then I’ll take a personal loan to cover a big expense, which is an effortless experience and is nicely managed in the app. Thank you Discover for being a great bank and helping me fund my life over the years. Keep up the great work.

Horrible customer service and computing errors

Last two times I went to make a payment, I specifically changed it from the default bank to my work provided bank account. Despite this, it’s taking the money from my default account that is hardly used and doesn’t have the funds to cover. While I’m not sure if this is the company or apps fault, they refuse to fix or change anything, and when trying to use the live chat, it keeps exited me out of the app and even deleted my chat history. Good thing I got screenshots. Then it started me back at the beginning of talking to the virtual assistant, and I lost what little progress I had made talking to the first agent I had before the app closed out on me. I have been charged $70 in overdraft fees from them taking money from the wrong account that I explicitly told them not to do again the first time this happened. Since you’re downloading this app, it’s too late to warn you about the horrible customer service and not choose this credit card, but be prepared to have no solution to your problem after over an hour of trying to deal with representatives through this app. I will be paying off my card by transferring money through my work account to my default account, which I shouldn’t have to do since I paid them just fine in the past, and then closing my account with this horrid company.

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Flight delayed or canceled? How to get ahead of it. | Cruising Altitude

If you have a tight connection, let a flight attendant know.
Research your alternatives before you get to the customer service counter.
Know your rights.

It’s the realization no traveler wants to have: Your flight is delayed, canceled or diverted, and as a result, you’ll miss your connection or otherwise not make it where you’re trying to go.

It’s a frustrating situation, but it doesn’t always have to be the end of the world – or even the end of your trip. Ultimately, airlines want to get you where you’re trying to get to, and sometimes, you can help smooth that process by doing your research and being prepared when you finally have your turn with customer service.

So the next time your travel plans go awry, here are the things to remember.

Tight connection? Let a flight attendant know

If your flight is delayed and you have a connection, you may still be able to continue without too much hassle.

Nadia Henry, a travel adviser who goes by Sparkle professionally, told me flight attendants may be able to help make that connection a little easier for you.

“If the flight is not full, they can move their seat up if they’re nice,” she said. “They can make an announcement that there are people that are on a connecting flight, (so) please let these people off first.”

A few weeks ago, I heard the cabin crew leader on my flight announce multiple times that there were many passengers on our plane with tight connections after a long delay before our departure. He requested that everyone allow those passengers off first, and the message seems to have stuck. It was the first time I can remember in ages that people generally stayed in their seats when we arrived at the gate.

Sparkle added, however, that flight attendants may not know your predicament if you don’t ask for help, so it’s important to be your own advocate if you encounter problems while traveling.

Research your alternatives

Being your own advocate isn’t limited to asking flight attendants for help. If you’re going to miss a connection or your flight has been canceled, you may need to have all or part of your trip rebooked.

In that case, it’s a good idea to approach customer service with your preferred flights if you’re not able to rebook them yourself. Many airlines now offer self-service rebooking tools on their apps and websites, but those don’t always present every option.

So, how can you do this research? Well, first, download the airline’s app on your phone before you travel. That will be the easiest way to get updates and make changes to your itinerary on the fly if something goes wrong. Take advantage of inflight Wi-Fi or service on the ground to get a jump on your fellow passengers when it comes to looking up your options and rebooking yourself. The sooner you can make those changes, the more options will be available.

“Doing your homework before you get to the counter is always good. You can be proactive to let the representative know 'I already looked this up,'” Sparkle said. Especially when agents are dealing with multiple delays and cancellations, knowing what flights you want when you get to the counter can help make their job easier because it means they don’t have to spend time searching for those alternatives for you.

Sparkle also said airlines can sometimes rebook you on other carriers, so it’s worth seeing what other airlines have available as well.

Keep in mind there are no guarantees when things go wrong like this. Your preferred flights might not be available, or your airline might not have a partnership deal to get you on another carrier you’re requesting, but it never hurts to ask.

Like most things in air travel, airlines usually accommodate elite frequent flyers and passengers in premium cabins first when things get disrupted. But if you don’t have status and you’re flying economy, you can still maximize your chances of getting your preferred alternate flights by using self-service rebooking tools as soon as possible. You can also reach out to airlines on multiple platforms, such as through their app or social media, while waiting to get customer service help at the airport. If you have lounge access, you also may be able to take advantage of shorter customer service lines there.

Zach Griff, a fellow aviation journalist at The Points Guy, recently posted a thread on social media about his best practices when he encounters flight disruptions, and researching alternative flights was his No. 1 piece of advice.

Know your rights

Different airlines have different policies around rebooking, including hotel and meal vouchers, when your flight is delayed or canceled for reasons within their control.

The U.S. Department of Transportation has a dashboard that outlines each carrier’s rules, and a quick check before you get to the customer service counter or connect with a representative electronically or on the phone can help you understand what you can and can’t ask for in your situation.

For example, Alaska, American, Delta, JetBlue and United Airlines will rebook you on other airlines if your flight is significantly delayed for reasons they control. But Allegiant, Frontier, Hawaiian, Southwest and Spirit Airlines won’t.

Last week's Cruising Altitude: Want a free upgrade to first class? The only hack is your wallet.

You may be entitled to a refund

If your flight is canceled for any reason and you choose not to travel on the alternatives your airline offers you, you’re eligible for a refund to your original form of payment – even if you bought a nonrefundable ticket.

The Transportation Department recently announced changes to its mandatory refund policies that will take effect this fall. These policies include automatic refunds if a service you pay for, like onboard Wi-Fi, doesn’t work on your flight.

One more tip

Beyond advocating for yourself during a travel hiccup, Sparkle said there are things you can do to prepare.

“Always keep any important medication in your carry-on bag. Also, always keep a small bag, whether a knapsack or small carry-on, with a change of clothes and all your toiletries,” she said.

Zach Wichter is a travel reporter for USA TODAY based in New York. You can reach him at [email protected].

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

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How to Cancel a Credit Card

Key points about: how to cancel a credit card.

To cancel a credit card, you must notify the credit card company, but you’re still responsible for any accumulated credit card debt.

Canceling a credit card can impact your credit score and increase your credit utilization ratio.

A canceled credit card account can stay on your credit history and credit report for up to ten years.

Paying off your credit card balance and canceling the card might seem like a straightforward process — and it can be — but before you call your card issuer to cancel a credit card, brief yourself on a few important points of the cancellation process.

Before you cancel a credit card account

People have a variety of good reasons for canceling credit cards. You may decide you no longer want a credit card with an annual fee, you’d prefer a travel credit card , or you’ve been approved for a credit card with a higher credit limit. But, if you’re canceling just because you have multiple credit cards and you want to clear out your wallet a little, you might reconsider. This is especially true if you have good credit and want to maintain a credit score.

Did you know? Canceling a credit card can affect your credit score by lowering your total amount of available credit, impacting your credit utilization ratio, and decreasing the average age of your accounts. This is true even for an unused credit card or a rarely used credit card.

Canceling a credit card lowers your total available credit, which increases your credit utilization ratio if you carry a credit card balance on any of your credit accounts. A higher credit utilization rate can lower your credit score.

The age of your credit cards is important, too. If you cancel an old card, the average age of your accounts could decrease, which can also lower your credit score .

Step-by-step guide: How to cancel a credit card

Pay off your balance. Canceling your credit card doesn’t erase any outstanding balances , accrued interest, or other fees that remain on your credit card account. Be sure to take care of your credit card debt before closing the account. If you haven’t paid off your balance, you’ll need to continue making payments to the credit card issuer after you close the account (and you’ll lose the available credit you may have had.) You may wish to set up automatic payments to pay off the remaining balance before you cancel.
Use any remaining rewards prior to canceling your credit account. If you don’t want to miss out on accrued points or rewards available on your credit card account through your rewards credit cards, redeem them prior to canceling. You may also be able to cash them in as a statement credit to help reduce your outstanding balance.
Notify other cardholders that you intend to close the account . If your spouse or other family members are authorized users on your account, be sure to let them know that you plan to close or cancel the card so they don’t continue to make purchases.
Request cancellation. Contact the credit card company’s customer service department by calling the number on the back of your card and letting them know you want to cancel the account.
Destroy your card. It’s a good security practice to shred or cut up your card before you throw it away, so the account number is no longer legible. Some credit card companies offer secure disposal options, like mailing the card back in a provided envelope, particularly for metal cards.

Does canceling a credit card impact your credit score?

Canceling a credit card can impact your credit score, which will appear on your credit report . If you want to see the effect, get a copy of your credit report. Approximately one month after you’ve canceled your card, you can access your credit report to confirm that the canceled card information is reflected accurately.

If you see an error, contact the credit bureau to investigate incorrect negative factors against your credit score that appear on your credit report, since they could remain on your credit history.

The canceled credit account will remain on your credit report, can impact your credit score, and may be visible on your credit history for seven to ten years.

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