Travel Insurance Through Credit Cards: Complete Guide

Many credit cards include travel insurance. Here’s what’s covered and when it’s enough.

Coverage by Card

Card	Trip Cancel	Trip Delay	Baggage Delay
Sapphire Reserve	$10,000	$500 (6 hrs)	$100/day
Sapphire Preferred	$10,000	$500 (12 hrs)	$100/day
Amex Platinum	$10,000	Varies	Varies
Venture X	$2,000	$500 (6 hrs)	$200

When You Need More

Card insurance may not be enough if:

• You have expensive pre-paid trips
• You need cancel-for-any-reason coverage
• You need significant medical coverage abroad
• Coverage limits are too low for your trip

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.