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The travel industry is intrinsically unpredictable. From inclement weather to mechanical issues to absent crew members, there are many reasons why your trip may not commence at its scheduled time of departure. And now with labor shortages and weather causing even more disruptions, your credit card's travel insurance can be more valuable than ever.

Trip delay insurance covers you (and often family members traveling with you) for expenses like meals, transportation, lodging, medication, and toiletries. For example, if your flight is delayed by more than six hours, some travel credit cards will reimburse you up to $500 in "reasonable expenses" such as:

  • An Uber or other transportation from the airport to a hotel
  • A one-night hotel reservation
  • A meal at a nearby restaurant

I've (unfortunately) used this benefit a handful of times, and it's saved me hundreds. Just note that you must use your qualifying card to pay for your fare — even if that means simply paying taxes and fees on an award flight.

Below are the best travel credit cards for trip delay insurance. Even if you don't travel regularly, you should be using one of these cards to reserve your travel, because trip delay insurance will eventually come in handy.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the Best Travel Credit Cards With Trip Delay Insurance

Best Credit Cards With Trip Delay Insurance

Methodology: How we chose the best credit cards for trip delay insurance

Personal Finance Insider chose the top credit cards for trip delay insurance based on:

  • The amount of money you'll receive in the event of a delay
  • The amount of time it takes for trip delay insurance to kick in

Many cards offer identical trip delay insurance, so we've also considered the overall value each credit card offers — from heightened welcome bonuses to ongoing benefits that handily offset each card's annual fee.

To learn more about our methodology, read our post on how we rate credit cards at Insider.

Why you should trust our recommendations

Insider's credit cards editorial staff is separate from the business side of Insider. Our credit card reviews are not motivated by money. We will tell you truthfully if a card is good or poor. 

Trip Delay Credit Cards Frequently Asked Questions

What's the difference between trip delay insurance and trip cancellation/interruption insurance?

Trip delay insurance covers you after your trip has begun, and you're either in transit to your destination or you're headed home. If something happens that severely delays your flight, or if you miss a connection that puts you several hours behind schedule, you may be eligible for hundreds of dollars in compensation for "reasonable expenses" via trip delay insurance.

Trip cancellation insurance covers you before your trip even begins. If a covered hazard arises that prevents you from going on your trip (think car accident on the way to the airport, death in the family, etc.) you may be reimbursed for non-refundable travel. This does not give you the freedom to cancel your trip simply because you've decided not to go.

Trip interruption insurance covers you during your trip (in other words, the part between your commute, covered by trip delay insurance). Some examples that would trigger trip interruption include:

  • You get very sick during your trip and must return home
  • Severe weather causes you to leave early
  • Your hotel is "uninhabitable"

What does trip delay insurance cover?

While this answer may vary slightly depending on which card you have, trip delay insurance tends to cover you (and your family traveling with you) for things like hotel stays, food, transportation, toiletries, and medication. You'll be covered for travel on any "common carrier", which includes things like airlines and cruises. Some covered hazards for trip delay insurance include equipment failure, inclement weather, labor strikes, and hijacking.

Some credit cards offer trip delay insurance that activates after just six hours. More commonly, the insurance will activate after 12 hours.

Are cards with trip delay insurance worth it?

Trip delay insurance should be one of the biggest factors when choosing your travel credit card. If you travel with regularity, the benefit can save you many hundreds of dollars each year — particularly in the current era of mayhem within the travel industry. Flight delays and cancellations are becoming common occurrences.

Do I have to pay with my card to be covered?

You must pay for the entire fare with your eligible card. However, you can still use miles and points to reserve your flight. As long as you pay the entire cash portion of your fare (the taxes and fees), your card will cover your trip.

Is Chase trip delay insurance better than Amex trip delay insurance?

Many cards from both Amex and Chase offer similar trip delay insurance — though there appears to be one standout difference in the terms: American Express requires that you book round-trip travel, and Chase does not.

According to American Express, a covered trip "may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s)." However, it also specifies that the trip "ends when the Eligible Traveler returns by Common Carrier to the city of departure."

It's worth noting that Citi credit cards come with absolutely zero travel insurance of any kind. Booking travel with a Citi credit card is unwise, as you'll have to pay for all travel complications out of your own pocket.

Best credit card for all-around travel protection

Chase Sapphire Reserve

The Chase Sapphire Reserve® is the gold standard of trip delay insurance. After just six hours of delay — or any delay that requires an overnight stay — you're eligible for up to $500 in covered expenses per ticket. You and those traveling with you (a spouse and dependent children under 22) are covered.

The Chase Sapphire Reserve® comes with a Chase Sapphire Reserve® annual fee. Still, it's a favorite among the travel community for its well-rounded offerings of top-tier travel coverages such as baggage delay insurance and primary car rental insurance. The card also provides excellent travel benefits, such as:

The Chase Sapphire Reserve® is offering a welcome bonus of Chase Sapphire Reserve®. Insider estimates Chase Ultimate Rewards® points value to be 1.8 cents each, on average. That makes this bonus worth around Chase Sapphire Reserve® in travel. Read our guide to the best ways to use Chase points.

Best Capital One credit card for all-around travel protection

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is Capital One's first premium credit card. It's a Visa Infinite card (similar to the Chase Sapphire Reserve®), and benefits from extremely generous trip delay insurance***. You'll get up to $500 per ticket in covered expenses after a delay of six hours or more. Those eligible for this insurance are your spouse and dependent children under age 22.

The Capital One Venture X Rewards Credit Card incurs a Capital One Venture X Rewards Credit Card annual fee, but comes with benefits like:

This card currently offers Capital One Venture X Rewards Credit Card. That's worth at least Capital One Venture X Rewards Credit Card in travel based on Insider's valuation of Capital One miles — and much more if you know how to use Capital One transfer partners for fancy airplane seats and luxury hotels.

Best beginner credit card for travel protection

Chase Sapphire Preferred

The Chase Sapphire Preferred® Card is the best beginner travel credit card on the market because of its easy-to-use rewards, high-quality travel benefits, and manageable Chase Sapphire Preferred® Card annual fee. The card reimburses you for up to $500 per ticket for reasonable expenses when your flight is delayed by 12 hours or more, or if you're required to stay overnight. Family members are covered — that is, your spouse/domestic partner and any dependent children under age 26.

You'll also receive perks like:

The Chase Sapphire Preferred® Card comes with Chase Sapphire Preferred® Card. That's worth an average of Chase Sapphire Preferred® Card in travel, based on Insider's points and miles valuations.

Best Hyatt credit card for travel protection

World of Hyatt Card

The World Of Hyatt Credit Card offers the same trip delay insurance you'll find on the Chase Sapphire Preferred® Card. If your travel plans are delayed more than 12 hours or require an overnight stay, you and your family (spouse/domestic partner and dependent children under age 26) can be reimbursed for necessary expenses, such as meals and lodging, up to $500 per ticket. 

The card comes with an annual fee of The World Of Hyatt Credit Card, and also offers:

  • Additional travel coverages (such as car rental insurance and baggage delay insurance)
  • One free night at a Category 1 through 4 Hyatt hotel after each account anniversary (potentially worth hundreds of dollars)
  • Another free night at a Category 1 through 4 Hyatt hotel after spending $15,000 in a calendar year
  • Five elite night credits toward Hyatt elite status — and the ability to earn two additional credits for every $5,000 you spend in a calendar year
  • Automatic Hyatt Discoverist elite status

If you're a Hyatt enthusiast, this is an excellent card to consider. Its current welcome bonus is The World Of Hyatt Credit Card. That's worth up to The World Of Hyatt Credit Card in hotel stays, based on Insider's valuations — but it's not difficult to receive more value from them if you know the best ways to use Hyatt points.

Best United credit card for travel protection with a low annual fee

Chase United Explorer

With the United℠ Explorer Card, trip delay insurance will activate after a delay of 12 hours or more, or if your delay requires an overnight stay. You and your family will be covered for up to $500 per ticket for covered expenses.

The United℠ Explorer Card has such well-rounded benefits that we consider it to be one of the best travel cards on the market. For an annual fee of United℠ Explorer Card, you'll get perks like:

The card currently offers a welcome bonus of United℠ Explorer Card. That's worth around United℠ Explorer Card in flights, based on Insider's valuations. Read our guide to using United miles to understand how powerful they can be.

Best Amex card for all-around travel protection

Amex Platinum

The Platinum Card® from American Express provides above-average trip delay insurance. When booking round-trip travel, coverage will kick in after just six hours of delay. You'll be reimbursed for up to $500 in reasonable expenses per ticket for you and any family members traveling with you — that is, a spouse/domestic partner and unmarried dependent children up to age 19 (or full-time students at an accredited college or university under age 26).

You can use this benefit no more than twice per consecutive 12-month period.

The The Platinum Card® from American Express charges an annual fee of The Platinum Card® from American Express — a bit intimidating for many, but its ongoing benefits can easily offset that cost. Here are just a few annual statement credits that come with the card:

The The Platinum Card® from American Express offers The Platinum Card® from American Express. Insider values Amex Membership Rewards points at 1.8 cents each, on average. That means you can get about The Platinum Card® from American Express in value from the 100,000-point bonus.

Best Marriott credit card for travel protection

Marriott Bonvoy Brilliant

When you book round-trip travel with the Marriott Bonvoy Brilliant™ American Express® Card, trip delay insurance will trigger after a delay of six hours or more. You're entitled to $500 in reasonable expenses per ticket for you and any family members traveling with you (spouse/domestic partner and unmarried dependent children up to age 19 or full-time students at an accredited college or university under age 26). You can file two claims per 12-month period.

This card charges an annual fee of Marriott Bonvoy Brilliant™ American Express® Card per year — but it's worth the price tag for anyone who frequently stays with Marriott. You'll get perks like:

The Marriott Bonvoy Brilliant™ American Express® Card offers a substantial welcome bonus: Marriott Bonvoy Brilliant™ American Express® Card. Based on our valuation of Marriott points, that bonus is worth Marriott Bonvoy Brilliant™ American Express® Card in travel.

Best Hilton credit card for travel protection

Amex Hilton Honors Aspire Card

The Hilton Honors American Express Aspire Card offers trip delay insurance after a delay of six hours. You'll get up to $500 in reasonable expenses per ticket for you and family members traveling with you (spouse/domestic partner, as well as unmarried dependent children up to age 19 or full-time students at an accredited college or university under age 26). Your travel must be round-trip. You can use this benefit up to twice per 12-month period.

This is one of the few cards that receive a full five-star review from Insider. Its benefits so dramatically outweigh its Hilton Honors American Express Aspire Card annual fee that it's worth keeping year after year:

  • Free reward night award at any Hilton property worldwide (potentially worth $1,000+)
  • Up to $250 annual credit valid at Hilton resorts
  • Up to $250 annual airline incidental fee credit**
  • Priority Pass Select airport lounge membership** (worth at least $429)
  • Hilton Diamond elite status (the highest status you can earn)

Plus, the card offers Hilton Honors American Express Aspire Card. Per Insider's valuation of Hilton points, that's worth Hilton Honors American Express Aspire Card in Hilton hotel stays — though it's possible to get quite a bit more value if you know the best ways to redeem Hilton points.

Best no annual fee credit card for travel protection

Marriott Bonvoy Bold

The Marriott Bonvoy Bold® Credit Card is a no-annual-fee card with trip delay insurance that punches in the same weight class as many Chase Sapphire Preferred® Card-annual-fee cards like the Chase Sapphire Preferred® Card.

If your trip is delayed by more than 12 hours, or requires an overnight stay, you and your immediate family are eligible for up to $500 per passenger in reasonable expenses. Family members include your spouse/domestic partner and any legally dependent children under the age of 26. You can only use the benefit once per person per covered trip.

For a no-annual-fee card, you'll also receive great delayed baggage insurance: up to $100 per day (maximum of five days) once your bag is delayed more than six hours.

As for Marriott-centric benefits, the Marriott Bonvoy Bold® Credit Card's only noteworthy benefit is 15 annual elite night credits — a big help toward achieving Marriott elite status. The card's current bonus is Marriott Bonvoy Bold® Credit Card. Per Insider's valuations, that's worth around Marriott Bonvoy Bold® Credit Card in travel. Read our guide to redeeming Marriott points for secrets as to how you can get much more value from this bonus.

 

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The best credit cards with trip delay insurance of May 2023