Travel insurance - Revision history

Editor: /* Good credit cards with travel insurance benefits */

2021-08-11T21:04:21Z

‎Good credit cards with travel insurance benefits

Editor at 21:01, 11 August 2021

2021-08-11T21:01:47Z

Editor: /* Good credit cards with travel insurance benefits */

2021-04-30T21:32:29Z

‎Good credit cards with travel insurance benefits

Editor: /* Comparison chart */

2021-04-30T21:25:50Z

‎Comparison chart

Editor: /* Good credit cards with travel insurance benefits */

2021-04-30T21:23:47Z

‎Good credit cards with travel insurance benefits

Editor: /* Good credit cards with travel insurance benefits */

2021-04-30T21:23:22Z

‎Good credit cards with travel insurance benefits

Editor: /* Good credit cards with travel insurance benefits */

2021-04-30T21:20:44Z

‎Good credit cards with travel insurance benefits

Editor: /* Good credit cards with travel insurance benefits */

2021-04-30T21:20:30Z

‎Good credit cards with travel insurance benefits

Editor: Editor moved page Travel Insurance to Travel insurance without leaving a redirect

2021-02-19T05:13:37Z

Editor moved page Travel Insurance to Travel insurance without leaving a redirect

Editor: /* Comparison chart */

2021-02-16T18:57:34Z

‎Comparison chart

@@ Line 56: / Line 56: @@
 {{CardItem|SapphirePreferred}}
-'''If you decide on the Sapphire Preferred instead of the Sapphire Reserve, you’ll pay less in annual fees, get less in extra benefits, and earn lower rewards on travel, but you’ll still get essentially the same travel coverage'''. The main difference is that trip and baggage delay requires a 12 hour delay, rather than 6; and you don’t receive the emergency medical coverage. [//www.chase.com/card-benefits/sapphirepreferred/travel Benefits page].
+'''If you decide on the Sapphire Preferred instead of the Sapphire Reserve, you’ll pay less in annual fees and get less in extra benefits, but you’ll still get essentially the same travel coverage'''. The main difference is that trip and baggage delay requires a 12 hour delay, rather than 6; and you don’t receive the emergency medical coverage. As long as you book through Chase, you'll get the same 5x Ultimate Rewards per dollar as with the Sapphire Reserve. But if you book directly or with another travel website, you'll only earn 2x points, rather than the Reserve's 3x points. [//www.chase.com/card-benefits/sapphirepreferred/travel Benefits page].
 {{CardItem|PlatinumCard}}
-'''If you are comfortable using your reward points for frequent flyer tickets, the Amex Platinum card offers the most valuable reward rate on airfare purchases (5x Membership Reward points) and provides trip cancellation and interruption, trip delay, and lost luggage insurance, with some important caveats'''. Trip delay kicks in at 6 hours. It does not provide baggage delay, primary rental car, or emergency medical insurance. [//www.americanexpress.com/us/credit-cards/features-benefits/policies/trip-cancellation-terms.html Benefits page].
+'''If you are comfortable using your reward points for frequent flyer tickets, the Amex Platinum card offers the most valuable reward rate on direct airfare purchases (5x Membership Reward points) and provides trip cancellation and interruption, trip delay, and lost luggage insurance, with some important caveats'''. Trip delay kicks in at 6 hours. It does not provide baggage delay, primary rental car, or emergency medical insurance. [//www.americanexpress.com/us/credit-cards/features-benefits/policies/trip-cancellation-terms.html Benefits page].
-The most important caveat is that it only covers expenses for which you purchased the transportation to and from your destination with the card or by using your Membership Reward points. If you buy a one-way ticket or return to a different location than you started, you don't have coverage. As long as you pay the taxes and fees with your card, you should have coverage for award tickets.
+The most important caveat is that the Platinum Travel Insurance only covers expenses for which you purchased the transportation to and from your destination with the card or by using your Membership Reward points. If you buy a one-way ticket or return to a different location than you started, you don't have coverage. As long as you pay the taxes and fees with your card, you should have coverage for award tickets.
 While the card has a great reward rate on airfare, it doesn’t have a good reward rate on other types of travel. While it might complement another card, it doesn’t make a great standalone card for your travel purchases.
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 {{/List|Card}}
-The {{Card|Prestige|only}} offers a great reward rate on airfare and online travel agencies, but it no longer provides a trip cancellation or other important travel coverages. If you have the card, make sure that the potential extra rewards you might earn outweigh the lack of free insurance.
+The no-longer-available-to-new-signups {{Card|Prestige|only}} offers a great reward rate on airfare and online travel agencies, but it no longer provides a trip cancellation or other important travel coverages. If you have the card, make sure that the potential extra rewards you might earn outweigh the lack of free insurance.
 {{Box}}

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 </blockquote>
-The best overall option is the {{Card|SapphireReserve|only}}. The {{Card|PlatinumCard|only}} earns more valuable rewards on airfare purchases but provides less comprehensive insurance benefits.
+The best overall option is the {{Card|SapphireReserve|only}}, especially if you are comfortable buying your tickets through Chase rather than directly with the airline.  The {{Card|PlatinumCard|only}} earns more valuable rewards on direct airfare purchases but provides less comprehensive insurance benefits. The {{Card|SapphirePreferred|only}} is another good option, but not as good as the Sapphire Reserve.
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 '''If you are comfortable using your reward points for frequent flyer tickets, the Amex Platinum card offers the most valuable reward rate on airfare purchases (5x Membership Reward points) and provides trip cancellation and interruption, trip delay, and lost luggage insurance, with some important caveats'''. Trip delay kicks in at 6 hours. It does not provide baggage delay, primary rental car, or emergency medical insurance. [//www.americanexpress.com/us/credit-cards/features-benefits/policies/trip-cancellation-terms.html Benefits page].
-The most important caveat is that it only covers expenses for which you purchased the transportation to and from your destination with the card or by using your Membership Reward points. If you buy a one-way ticket or use other points to book a reward ticket, you don’t have coverage.
+The most important caveat is that it only covers expenses for which you purchased the transportation to and from your destination with the card or by using your Membership Reward points. If you buy a one-way ticket or return to a different location than you started, you don't have coverage. As long as you pay the taxes and fees with your card, you should have coverage for award tickets.
 While the card has a great reward rate on airfare, it doesn’t have a good reward rate on other types of travel. While it might complement another card, it doesn’t make a great standalone card for your travel purchases.

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 |Secondary
-|Secondary
+|Primary
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 {{CardItem|Altitude}}
-'''The Altitude Reserve is a great lower cost travel rewards option that earns the equivalent of 4.5% cash back on travel'''. It comes with trip cancellation and interruption (but only $2,000 per trip max), trip delay  (6 hour minimum delay), lost luggage, and emergency evacuation coverage. It does not cover baggage delay or emergency medical. [https://www.myvisacardportal.com/content/dam/vppImages/standard/usbank/guide-to-benefits/USB_Altitude_Reserve_Visa_GTB.pdf Benefits Guide PDF].
+'''The Altitude Reserve is a great lower cost travel rewards option that earns the equivalent of 4.5% cash back on travel'''. It comes with trip cancellation and interruption (but only $2,000 per trip max), trip delay  (6 hour minimum delay), lost luggage, and emergency evacuation coverage. It does not cover baggage delay or emergency medical. [//www.myvisacardportal.com/content/dam/vppImages/standard/usbank/guide-to-benefits/USB_Altitude_Reserve_Visa_GTB.pdf Benefits Guide PDF].
 {{CardItem|Fairwinds}}

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 {{List|Card}}
 {{CardItem|SapphireReserve}}
-'''We recommend that most people get the Sapphire Reserve as one of their two main credit cards. One of the reasons it that it has the best travel insurance of any card and a very good travel reward rate.''' The trip cancellation maximum is $10,000 per person and $20,000 per trip, it provides primary rental car insurance, and its trip and baggage delay coverage kicks in at 6 hours.  It is also the only card with emergency medical coverage ($2,500 max). [//www.chase.com/card-benefits/sapphirereserve/travel Benefits Page]. [https://www.chasebenefits.com/sapphirereserve2 Benefits Guide PDF].
+'''We recommend that most people get the Sapphire Reserve as one of their two main credit cards. One of the reasons it that it has the best travel insurance of any card and a very good travel reward rate.''' The trip cancellation maximum is $10,000 per person and $20,000 per trip, it provides primary rental car insurance, and its trip and baggage delay coverage kicks in at 6 hours.  It is also the only card with emergency medical coverage ($2,500 max). [//www.chase.com/card-benefits/sapphirereserve/travel Benefits Page]. [//www.chasebenefits.com/sapphirereserve2 Benefits Guide PDF].
 One of the nice things about the Sapphire Reserve’s travel insurance is that it will cover travel expenses where you made any part of the purchase with the card. For example, if you use the card to pay for the taxes and fees of an award ticket, the Sapphire Reserve will pay for any lost mileage or cancellation fees.

← Older revision	Revision as of 05:13, 19 February 2021
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 |$5,000 <br/>($10,000 Sapphire Preferred)
 |$10,000
-|$5,000
+|$2,500
 |$5,000
 |-