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The Guide to Business Travel Insurance

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Table of Contents

What is business travel insurance?

Why should business travelers get a business travel insurance policy, does travel insurance cover business trips, what is business travel accident insurance, do credit cards offer business travel insurance, business travel insurance, recapped.

Imagine the following scenarios. You’re meeting potential clients in their city in the morning, but your checked back, including your suit, didn’t make it. You’re giving a presentation, but some equipment has been stolen out of the hotel conference room. You got food poisoning from a restaurant where you had a business lunch and now require medical attention.

When going on the road for business, the last thing you want is to worry about these types of situations.

Business travel insurance provides coverage for the trips you take as part of your business or for a company that employs you. Knowing that some things don’t always go as planned during travel, you might find yourself benefitting from a business travel insurance policy.

Just like personal trip insurance , business travel insurance covers the unexpected during a business trip. A business travel insurance policy can help get reimbursements for travel expenses caused by trip delay and interruption , baggage delay, business equipment theft, emergency medical care, emergency medical evacuation and collision damage insurance for a rental car.

Depending on how often you travel, it's possible to get an annual insurance plan that will cover multiple trips or insure select travel on a trip-by-trip basis. An annual travel insurance plan is more cost-effective, but it might have lower limits than a single-trip policy.

The short answer is because you can never predict anything. The long answer is that it’s good for the following:

Reducing out-of-pocket expenses: One thing gone wrong, and you’re on the hook for unforeseen travel expenses. For example, medical evacuation can cost tens of thousands of dollars, so it’s important to keep those potential financial losses at bay when possible.

Increasing existing coverage: If you have a personal medical insurance plan, it’s important to note that most private insurance providers don’t provide medical coverage abroad. A credit card with travel protections can be a good start, but these benefits typically offer lower coverage limits.

Providing peace of mind: Having insurance can take some of the anxiety out of traveling. Even if the business trip is going according to plan, you'll know that you have safety nets in place should anything go awry.

» Learn more: How to find the best travel insurance

It depends. Some corporations offer travel insurance plans for their employees on the road. You should double-check with the human resources manager of your company as to whether business trips are covered.

It gets tricky if you’re an independent contractor or a freelancer since you don’t have a corporation behind you. As a sole proprietor, make sure to consult with your insurance provider, but be aware that a personal travel insurance policy might not cover business travel.

Instead, we recommend looking into business travel insurance that will cover your personal trips as well.

For example, the annual AllTrips Executive insurance plan from Allianz covers all trips for the year — personal and business — for a one-time fee. This becomes especially handy when you decide to mix business with pleasure and extend a work trip by adding on a few vacation days.

This policy covers trip emergency medical coverage for up to $50,000 and emergency medical transportation for up to $250,000. Travel delay is covered up to $1,600 and baggage loss or delay is covered up to $1,000 each.

An important feature offered by the AllTrips Executive plan is business equipment coverage. If it’s lost, stolen or delayed by the airline, equipment rental or replacement will be covered up to $1,000 each.

AIG Travel Guard , IMG Global and Zurich all offer business travel insurance, too.

Business travel accident insurance covers you in the event of the unthinkable — death or dismemberment. If it sounds like life insurance, it’s because it provides similar coverage but for when you’re traveling on a common carrier, such as an aircraft, a train, a bus or a cruise ship.

If you or someone in your family holds a life insurance policy for you, business travel accident insurance is going to pay out on top of it.

Some travel rewards credit cards offer travel coverage , but it isn’t always on par with a dedicated business travel insurance plan.

For example, the Ink Business Preferred® Credit Card and the United℠ Business Card offer primary auto rental collision damage waiver on cars rented for business purposes. To receive coverage up to the cash value of the car, you must decline the rental company’s own collision damage insurance and pay for the rental with one of these credit cards.

Note that trip cancellation and trip interruption are covered up to $5,000 with the Ink Business Preferred® Credit Card , but trip delay maxes out at $500. Although the United℠ Business Card comes with the same trip delay coverage limit, trip cancellation and trip interruption top out at up to $1,500 per ticket. Baggage delay is limited to $100 per day under both cards’ coverage.

The Business Platinum Card® from American Express offers the same secondary coverage for trip interruptions and trip cancellations: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. For trip delay, the card covers up to $500 per covered trip up to two times per 12 consecutive month period. Terms apply.

Although some insurance coverage offered by your travel rewards credit card is good to have, as you can see above, the coverage limits are typically lower than if you were to buy an annual policy or a single-trip business travel insurance policy.

Credit cards also offer common carrier travel accident insurance and cover costs in case of accidental death and dismemberment. In this case, the first two of the aforementioned cards include coverage for up to $500,000, which is higher than what some annual or single-trip business travel insurance policies usually cover.

» Learn more: The best travel credit cards right now

Business travel accident insurance covers costs accrued in the course of business travel related to medical emergencies, accidental death and dismemberment and emergency evacuations. Specific coverage will vary by insurer.

Given that business travel is typically undertaken with specific business goals in mind and requires companies to take on overhead, travel insurance is likely worth the fraction of trip expenses that it costs to ensure that a company doesn't lose both cash and opportunity at the same time should things not go as planned.

Business travel insurance costs will vary based on the destination, duration of the trip, age of the traveler and the amount of money spent on the trip, among other factors. Some insurers offer annual plans, while others provide coverage on a trip-by-trip basis.

While specific coverage will vary from insurer to insurer, a business travel accident policy typically covers expenses related to medical incidents that occur in the course of the covered business travel.

If you have a personal travel insurance policy, check the terms to see how much applies to business travel. If none, consider purchasing an annual insurance plan for frequent business trips or a single-trip policy for occasional business travel and check with your company to see if the cost of the travel insurance is something you can expense.

Remember that some credit cards offer travel insurance for your business, but note the low payout limits if you choose not to purchase additional coverage.

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.

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

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip 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.

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: Wells Fargo Autograph℠ 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

on Chase's website

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

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

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

What's the Best Business Travel Insurance?

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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The Best Business Travel Insurance (2024 Guide)

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Travel insurance for business travelers covers specific needs that may differ from personal vacations. For example, you may need an insurance policy to cover a laptop or other business equipment and a rental car. Trip insurance can also provide peace of mind that you have coverage while traveling so you can focus on work.

We at the MarketWatch Guides Team have researched the best travel insurance companies to help you choose the right business travel insurance policy. Read on to learn more about the benefits, coverage options and cost of business travel insurance.

Why Get Business Travel Insurance

Often referred to as corporate travel insurance, business travel insurance can protect you from financial risks and losses during work trips. While personal and business insurance products still offer trip cancellation and medical coverage, there are a few key differences compared to standard travel insurance.

Business travel often includes unique risks due to frequency, trip costs and busy itineraries that require transportation. Frequent business travelers may benefit from multi-trip or annual insurance plans, along with generous coverage limits for trip delays, lost luggage and stolen business devices. These types of trip policies can help combat financial losses related to work travel.

What Business Travelers Need Covered By a Travel Insurance Policy

Below is a list of the main policy types for business trip insurance.

Trip Cancellation and Interruption Coverage

If you need to cancel a business trip or cut it short due to disruptions, travel insurance with trip interruption and cancellation coverage can help recover non-refundable, prepaid costs. Reimbursement is subject to reasons approved by your travel insurance provider and can vary. Generally, travel insurance covers cancellations due to the following unforeseeable events:

• The insured traveler or accompanying business partner suffers a serious illness or injury
• Death of a family member
• Natural disasters
• Terrorist events
• Inclement weather resulting in canceled flights
• An unexpected legal obligation such as jury duty

Since most policies cover cancellations for unexpected or emergent reasons, business travelers may choose to upgrade their plan with cancel for any reason (CFAR) coverage . CFAR coverage is an add-on that allows you more flexibility in canceling your trip.

Baggage and Personal Belongings Coverage

Travel insurance with baggage coverage reimburses partial or full costs due to:

• Lost or damaged baggage
• Theft of valuable business equipment
• Loss of travel documents

Furthermore, most policies provide baggage delay insurance to reimburse you for purchased necessities (like clothes and cosmetics) if your luggage arrives late to your destination.

Business Equipment Coverage

It’s important to check the fine print of policy documents to ensure you have sufficient coverage for specific business equipment. Many providers offer additional business coverage as an upgrade. For example, the Allianz AllTrips Executive Plan features specific benefits for business equipment and rentals.

What Is Business Travel Medical Insurance?

Business travel medical insurance can help cover emergency medical expenses during business trips. While some private health insurance extends international coverage, government health insurance will not pay for your medical care while traveling abroad. Comprehensive travel insurance plans also include emergency medical evacuation and repatriation coverage, along with accidental death and dismemberment benefits.

Travel medical insurance typically pays emergency healthcare costs related to:

• Ambulance service
• Hospital or medical facility fees
• Emergency dental work
• X-rays and lab tests

Business Travel Insurance Cost

The cost of travel insurance depends on your provider, coverage selections and destination. Generally, travel insurance policies cost $35 to $200 per trip. However, your cost may vary if you add business-related coverage such as device protection or rental car damage. You may also have a different rate if you opt for multi-trip or annual coverage .

You can also check with your credit card company to see if you have existing coverage, or opt for coverage through your airline. We suggest requesting quotes from at least three providers before selecting a travel insurance plan.

Benefits of Business Travel Insurance

Whether you’re embarking on a single-trip business venture or you travel for work regularly, it pays to safeguard your travel investments. Business travel insurance costs are minimal in comparison to expensive last-minute cancellations or health emergencies while overseas.

Here are some of the top benefits of a business travel insurance plan:

• Financial protection against unforeseen events
• Reimbursement of prepaid, nonrefundable costs due to travel delays , interruptions and cancellations
• Coverage of lost or stolen business equipment
• Some providers offer 24/7 travel assistance services for business travelers

Tips for Choosing the Right Business Travel Policy

Most comprehensive travel insurance policies are suitable for business travelers. You may choose add-ons for extra protections, including rental car, CFAR and business rental equipment coverage. To choose the right policy, consider the below tips:

• Compare coverage options, exclusions and costs between insurance providers
• Evaluate the reputation and financial stability of each insurance company
• Look for coverage that includes loss or delay of business devices
• Consider providers that offer 24/7 travel assistance and concierge services for business travelers

Considerations for Business Travelers

Before purchasing business travel insurance, consider your personal requirements. For example, you may need coverage for pre-existing medical conditions . If you are traveling abroad, international travel or visa requirements could require valid travel insurance.

If you’re traveling with expensive electronic devices, check that your policy includes valuables or device coverage. Also, consider baggage loss coverage if you plan on checking any valuables with your bags. For regular business travel, consider purchasing multi-trip or annual insurance policies to pay one premium for multiple trips made during a specific time frame.

Is Business Travel Insurance Worth It?

Business trips often include significant prepaid costs for airfares, hotels and car rentals. It is ultimately up to you to decide if travel insurance is worth it for your next business trip. However, travel insurance for business travelers helps cover your financial investment, along with any valuable items you take with you or rent. Comprehensive travel insurance also provides peace of mind in the event of medical emergencies while you’re on business trips overseas.

Frequently Asked Questions About Travel Insurance for Business Travelers

What does business travel accident insurance cover.

Business travel accident insurance protects employees who travel frequently for work. Most policies cover accidental death or dismemberment, which typically applies to incidents that occur on common carriers in transit (like an airplane). However, some plans may include other medical benefits.

Will travel insurance reimburse expenses for a canceled business trip?

Reimbursement rates and conditions depend on your travel insurance policy. If your trip gets canceled for a reason covered by your travel insurance provider, you can claim reimbursement of prepaid, non-refundable costs, such as flights and hotels. Acceptable reasons for cancellation generally include unforeseeable emergencies like serious illness or injury.

Does travel insurance cover business equipment?

Not all travel insurance policies cover business equipment. Check with your provider to ensure you have coverage for specific business items or devices. Many companies offer upgrades and add-ons for extra coverage of valuables, along with plans specifically designed for business travelers.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

What is business travel insurance?

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Key takeaways

• Business travel insurance reimburses particular unexpected expenses or financial losses you suffer before or during a trip for work.
• A travel insurance policy usually covers things like trip cancellation/interruption, medical costs, lost baggage, travel delays, lodging expenses and more.
• Costs for business travel insurance often run between 5 and 7 percent of the trip's total expense.
• If you have a business travel credit card, however, you likely already have at least basic travel insurance under its policy, so you might not need to purchase any additional coverage.

A lot can go wrong before or during a faraway meeting, out-of-state conference, remote office visit or other planned business trip. The airport can lose or damage your luggage, your travel plans may need to be canceled suddenly due to a personal emergency, or you could simply get sick while away from home.

For these and other reasons and more, it’s smart to consider getting business travel insurance . This coverage should safeguard you financially if you incur a covered setback prior to or while you’re traveling for work .

This guide will help you find out more about business travel insurance, how it works and what’s covered, as well as who should get business travel insurance and whether this level of coverage is worth it.

How does business travel insurance work?

You have insurance for your home, car and health care. You might even have life insurance coverage. But where do you turn if you want to protect yourself financially from a business trip setback? Fortunately, you can purchase business travel insurance, also called corporate travel insurance or business trip insurance.

“Business travel insurance is insurance coverage specifically designed to protect individuals traveling for a business-specific reason. It offers comprehensive protection against unexpected incidents and expenses that can occur during a business trip,” explains Mark Friedlander, director of Corporate Communications for the Insurance Information Institute in St. Johns, Florida.

Consider that many expenses related to an upcoming business trek have to be paid well in advance and are not refundable. That means if something happens that prevents you from traveling, you could be on the hook for hundreds if not thousands of dollars. That’s where having business travel insurance comes in handy.

“You can purchase a single-trip policy, which covers expenses that arise on a single trip — usually between travel dates specified in advance,” Andrew Schrage, CEO of Money Crashers in Boston, notes. “Or, you can choose an annual or multi-trip policy that covers any eligible expenses that arise during the policy’s effective period — usually one year — regardless of how many trips you take during that time.”

What does business travel insurance cover?

Here’s what a standard business travel insurance policy typically covers, per Friedlander:

• Trip cancellation/interruption costs
• Expenses related to travel delays
• Medical bills incurred while traveling, including those related to COVID-19
• Missed connection assistance expenditures
• Costs and hassles related to lost baggage
• Car rental and lodging expenses

Stan Sandberg, co-founder of TravelInsurance.com, says many consumers opt for business trip insurance for the trip cancellation/interruption protections offered.

“Standard trip cancellation coverage will reimburse non-refundable, prepaid costs if an insured traveler has to cancel for a wide range of reasons, including getting sick unexpectedly,” he says.

Coverage for medical emergencies and health care away from home are other popular standard features in most plans.

“This is especially valuable for employees traveling abroad, where regular medical insurance might not apply. And individuals with chronic conditions can find coverage for flare ups during travel by declaring them before the business trip,” says Justin Albertynas, a travel industry expert and CEO of RatePunk.

A business travel insurance policy doesn’t cover every possible expense, however. Among the typical exclusions are:

• Reasonably foreseen events
• Acts of war
• Declared epidemics and pandemics (by the World Health Organization and/or U.S. Centers for Disease Control and Prevention)
• Travel restrictions imposed by a government entity.

Who should get business travel insurance?

Good candidates for purchasing business travel insurance include those who frequently travel for work but are not already covered by their employer.

“As most large employers most likely have travel insurance plans in place to cover their employees’ work-related travel, individual business travel insurance plans are typically targeted to independent contractors and small business owners,” adds Friedlander.

Examples of business travel insurance in action

Here are three hypothetical scenarios that underscore the value of having business trip insurance:

1. You need to cancel your trip last minute

“Let’s say you have a single-trip business travel policy with trip cancellation/interruption coverage that reimburses up to $5,000 in prepaid non-refundable expenses,” Schrage explains. “The day before your flight, an immediate family member has a medical emergency and you need to cancel your trip to care for them. If you paid $500 for round-trip airfare, $1,000 for a five-day hotel stay, and $300 for a five-day car rental, your insurer should honor a claim for $1,800 total, as long as the expenses are fully paid and not refundable by the vendor under any circumstances.”

2. You get into a medical emergency

“Imagine an employee traveling for business in Germany who unexpectedly falls ill and requires medical attention,” Albertynas says. “The incurred expenses may include a doctor’s consultation, prescription medications, hospital stay and necessary medical tests. In this scenario, the employee’s total medical expenses could add up to €1,950 or more. Business travel insurance could cover these costs, ensuring that the employee is not burdened by unexpected medical bills during their trip.”

3. Your baggage is delayed

Assume your suitcase gets lost or delayed by the airline and you need to pay extra money out of pocket for clothing, medicine and toiletries. Your policy should cover your expenses up to a predetermined amount. “Just keep in mind that business travel insurance policies often have a waiting period before coverage begins for baggage delays — typically around 12 hours,” Albertynas continues.

The average cost of business travel insurance

Business trip insurance policies commonly run approximately 5 percent to 7 percent of the total cost of your trip. “For example, travel insurance for a $3,000 business trip would cost between $150 and $180 in premium for the policy,” Friedlander says.

What you will pay will depend on the type of policy, your destination, coverage inclusions, your age and other factors. Schrage adds, “Basic trip interruption/cancellation coverage can cost as little as $10 to $20 per day, while more comprehensive policies can cost $50 or more per day. Policies that cover voluntary cancellations, known as CFAR policies, cost 50 percent to 100 percent more than policies that cover involuntary cancellations only.”

Choosing a higher deductible can lower your premium, but you’ll pay more upfront if you have to make a claim.

“Opting for a $200 deductible, for example, means you will pay that amount before coverage starts. Co-pays, co-insurance and out-of-pocket expenses refer to costs beyond the coverage limits,” Albertynas says. “It’s important to carefully review all policy details and premium quotes and understand the trade-offs involved so you can select the right plan while balancing your premium, deductible and additional expenses.”

Do credit cards offer business travel insurance?

Getting trip insurance is almost always a smart idea. But the truth is, it might be an unnecessary expense if you already have  free coverage included with your credit card , which some cards provide.

“Many business credit cards provide generous business travel coverage at no out-of-pocket cost. As long as you use your credit card to pay for eligible travel expenses, this is a better deal than buying a policy separately,” advises Schrage.

The most common types of coverage included in business travel insurance provided by a credit card are trip interruption/cancellation, accidental death and dismemberment, and rental car loss/damage.

“Before assuming your trip is covered in full, look at the limits for each coverage type and do the math. For example, if the non-refundable portion of the trip costs $10,000 and your policy only provides $5,000 in interruption/cancellation coverage, you’ll pay at least $5,000 out-of-pocket,” Schrage cautions.

The bottom line

Acquiring business travel insurance is worth it if you frequently travel for work — especially if you spend a lot on business trips, travel abroad or to riskier countries and don’t already have coverage provided by your employer or a travel credit card .

“But all business travel policies are not the same,” adds Friedlander. “It’s wise to read the fine print of your policy so you have a clear understanding of what’s covered and what’s excluded.”

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How does travel insurance through Capital One cards work?

December 14, 2023 | 6 min read

Ever found yourself scrambling for lost luggage when you’re traveling? Or trying to book alternate flights due to bad weather? These kinds of events can be stressful—and costly. When the unexpected happens, travel insurance through your card could help protect you from travel expenses beyond your control.

Many cardholders have travel insurance as part of their card benefits. Coverage varies by card, issuer and the network that provides the benefits. To prepare for your next trip, you might want to check out whether your card offers travel insurance and what benefits come with it. 

Key takeaways

• Travel insurance through your card could help protect you from paying for unexpected expenses if something goes wrong when you travel.
• Card travel insurance may offer coverage for both domestic and international travel.
• Your coverage depends on your card. Check your card’s benefits guide for details.
• Travel insurance is offered to Capital One cardholders through the Visa® and Mastercard® networks.

Earn up to $1,000 in bonuses

What is credit card travel insurance.

Card travel insurance can help protect you financially when you incur unexpected expenses during travel. Whether you’re visiting family, flying abroad or driving across the country, card travel insurance can be a kind of safety net.

By booking and paying for a trip with a card that offers travel insurance benefits, you could get compensation up to a set limit for your unexpected expenses. For example, some Capital One rewards credit cards offer benefits like travel accident insurance and lost luggage reimbursement.* 

What types of coverage does card travel insurance provide?

Imagine traveling with peace of mind, knowing that a potential accident or expensive mishap could be reimbursed. With travel insurance through your card, you could be covered in a number of scenarios. 

Every card is different, so be sure to check your card’s terms and conditions to see what types of travel insurance you might receive. Here are a few of the most common types of coverage you may have access to:

Trip cancellation and interruption insurance

Canceling a trip at the last minute or cutting it short can be disappointing. But getting your money back for flights and reservations you didn’t end up using might help relieve your stress. 

If you booked and paid for your trip with a card that offers trip cancellation and interruption insurance, you may qualify for reimbursement in certain situations, like these:

• Severe weather at the beginning of a trip
• Unexpected health issues or accidental injuries 
• Death of someone in your travel party or an immediate family member

You may want to make sure you’re aware of situations that aren’t typically covered by this type of insurance. For example, exclusions can include preexisting medical conditions or when a travel agency, hotel or airline goes out of business. Check the terms of your card to learn more about trip cancellation insurance.

Maximum reimbursement depends on your card and can vary significantly. Some cards might offer up to $2,000 per trip. (For others, it could be less.)

Trip delay insurance

Travel schedules don’t always go as planned. Flights may get delayed or severe weather may affect your travels. Or you may need to pay for a meal or last-minute hotel room while you wait. If you paid for your trip with a card that has trip delay insurance, certain reasonable costs you incur during the delay might be covered.

Cards may vary in how long the delay must be before coverage kicks in. But having travel delay insurance could help take care of your most urgent needs.

Rental car insurance

If you pay for a rental car with your card, you might be able to skip the added cost of buying insurance through the rental company. Credit card rental car insurance could cover collisions, theft and towing if your car breaks down while you’re traveling.

This type of insurance usually goes into effect after your regular auto insurance policy does. Whether you’re renting a car in the U.S. or abroad may affect whether you’ll need additional coverage and how much. Remember, rental car insurance usually only covers the vehicle. You may need to buy liability coverage when traveling internationally if your personal auto policy is limited to the U.S.

Lost or delayed baggage insurance

Imagine that you’re waiting in the baggage claim area after a flight, confident that you packed everything you need for your trip. But your luggage never rolls by on the carousel. 

Lost, delayed or even stolen baggage can interrupt your trip. If you need to buy replacement items, you could be reimbursed.

Travel accident insurance

While travel often goes smoothly, sometimes it doesn’t. Accidents happen. Travel accident insurance could provide an added layer of support. In cases of severe injury or death, you or your family members could receive benefits if you booked and paid for your trip with a card that offers travel accident insurance.

Where will Venture X take you?

How do you file a travel insurance claim.

If you need to file a travel insurance claim, you can start by reading your card’s benefits guide to get the specifics on your travel insurance. That way, you can know which travel events are covered and for how much.

It can be a good idea to save your purchase receipts while you’re traveling. Then you’ll have a paper trail if you want to be reimbursed for things like replacement articles of clothing, a last-minute hotel booking or a trip to the emergency room.

Finally, you can file a claim by contacting the administrator listed in your card’s benefits guide. Check if there’s a time limit on how long you have to file a claim after the travel incident. You may have to answer a few questions, complete a form and submit your receipts to complete the claim. If your claim is accepted, you may be compensated for the covered expenses you paid for with your personal funds. 

Capital One card travel insurance FAQ

Here are a few frequently asked questions about travel insurance in general and travel insurance through a Capital One card  in particular: 

Do cards automatically have travel insurance?

Not necessarily. Some cards, like the Capital One Venture card , offer travel insurance. But some may not. If you’re not sure about your card, check its benefits guide for more information.

Do I have to pay extra for travel insurance?

That may depend on your card. Some cards may include travel insurance at no charge. Others may allow you to purchase additional travel protection benefits for a fee. And some might charge an annual fee that may be balanced out by premium travel benefits and enhanced travel insurance protection. 

Is my family covered under my Capital One card’s travel insurance?

Coverage for family members generally depends on your card issuer and network. For example, if you’re a Mastercard or Visa cardholder, your spouse is typically covered. Depending on their ages, your kids may be covered as well. Capital One cardholders can learn about their travel insurance benefits by reading their benefits guide.

Does travel insurance through my Capital One card cover flight cancellation?

Some Capital One cards may offer flight cancellation insurance as part of their travel insurance coverage. Check your benefits guide to see whether your card provides this type of protection. Your guide will also detail the process of filing a claim if your flight gets canceled unexpectedly. If you want the freedom to cancel your flight for any reason, consider booking your flight through Capital One Travel . 

Capital One card travel insurance in a nutshell

Capital One’s card travel insurance can help protect you when things go wrong while you’re traveling, whether you’re in the U.S. or abroad. If you’re interested in learning whether your card comes with travel insurance, be sure to check its benefits guide to learn more.

If you’re ready to take advantage of this travel protection, apply for a Capital One travel and miles rewards card today. If you’re approved for either Venture or Venture X , you’ll have the opportunity to earn 75,000 bonus miles that you can redeem for flights, hotels, vacation rentals and more.

Other ways to maximize your travel benefits

Who wouldn’t want to get the most out of their credit card? Here are some things to know about Capital One travel rewards credit cards: 

Get a one-time 75,000-mile bonus with the Capital One Venture X card and receive an additional 10,000 bonus miles every year, starting on your first anniversary. ( View important rates and disclosures .)

Earn unlimited 2X miles per dollar on every purchase, every day and get 75,000 bonus miles upon signup with the Capital One Venture card . ( View important rates and disclosures .)

Earn unlimited 1.25X miles with no annual fee with the Venture One card from Capital One . ( View important rates and disclosures .) 

Explore travel rewards card options by comparing Capital One Venture cards . 

Learn how Venture X cardholders can get access to a worldwide network of airport lounges thanks to a complimentary Priority Pass membership .

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Travel insurance

Hurricanes and travel insurance

Mandy Sleight

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 3:21 p.m. UTC Aug. 8, 2024

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Andrew McArthur, Getty Images

• It’s a good idea to buy travel insurance immediately after making your first trip payment. Some policies only offer hurricane coverage if the policy was purchased within a certain number of days of your initial trip deposit. 
• Once a storm is named, it’s no longer an unforeseeable event, so you could lose out on valuable benefits if you wait to buy a travel policy.
• Make sure you understand your policy details, such as how many consecutive hours you have to be delayed before you can file a hurricane-related claim.

Hurricane travel insurance is important during the Atlantic hurricane season — June 1 to November 30 — if you are planning a trip to a hurricane-prone area such as Mexico or the Caribbean.

Luckily, many travel insurance policies offer hurricane coverage, as long as you buy your plan before the storm shows up in the forecast. “Buying travel insurance as soon as you book your trip is essential to protect your travel investment during hurricane season,” said Daniel Durazo, spokesperson for Allianz Partners USA.

Travel insurance for hurricane-prone destinations 

When traveling to a hurricane-prone destination, there’s a chance severe weather could derail your travel plans. If you have to cancel or delay your trip because of a tropical storm or hurricane warning, cruise lines, hotels and airlines may offer compensation, but this could be in the form of a credit rather than a reimbursement. The credit may also have an expiration date.

Travel insurance will reimburse you if you have a covered reason to file a claim. This may include a hurricane or named storm, provided you bought the plan before the storm was named.

Does travel insurance cover hurricanes? 

Travel insurance can cover hurricanes, natural disasters and other inclement weather events. Depending on the travel insurance plan you buy, its coverage may allow you to cancel or interrupt your trip if:

• Inclement weather causes common carrier delays.
• Your primary residence is made uninhabitable by a natural disaster.
• Your trip destination is made uninhabitable by a natural disaster.
• There are mandatory evacuations at your departure city or destination.
• A hurricane warning or watch is issued for your destination within one to three days of departure.
• You are called to serve in the military or as a first responder after a natural disaster.

Make sure to read your policy closely to understand the details of how hurricane cancellation and interruption works.

Expert tip: To be eligible for storm-related coverage, you must have purchased your travel insurance before the National Weather Service named the storm or upgraded the tropical storm to a hurricane. 

What’s the best travel insurance for hurricane season? 

Our top-rated travel insurance plan is WorldTrips’ Atlas Journey Elevate. This plan covers hurricanes after a common carrier delay of 12 hours or if your destination is uninhabitable because of a storm. 

Comprehensive travel insurance plans like those sold by WorldTrips provide valuable benefits including travel medical insurance and medical evacuation coverage. For the best hurricane travel insurance coverage, look for plans with hurricane-specific language in the policy document. 

Expert tip: Shop for hurricane travel insurance that includes coverage if your destination falls under a NOAA NHC named storm or hurricane warning or watch before departure.

Plans with strong hurricane travel insurance protection

Travel insurance plans may include coverage for hurricane cancellation and interruption. The plans listed below include coverage if a named storm or hurricane watch or warning develops prior to your trip or interrupts your stay.

• AIG Travel Guard Preferred and Deluxe plans.
• Berkshire Hathaway Travel Protection ExactCare, ExactCareLite and LuxuryCare plans.
• HTH Worldwide TripProtector Preferred plan.
• Generali Global Assistance Premium plan.
• iTravelInsured Travel Lite, Travel SE, Travel LX Basic and Travel LX CFAR/IFAR plans.
• Seven Corners RoundTrip Basic and RoundTrip Choice plans.
• Tin Leg Standard, Adventure, and Luxury plans.
• Travel Insured Worldwide Trip Protector and FlexiPAX plans.
• Travelex Insurance Services Flight Insure Plus plan.
• WorldTrips Atlas Journey Explore and Elevate plans.

Note that hurricane travel insurance coverage may vary depending on your state of residence.

How to choose the right hurricane travel insurance 

When deciding which hurricane travel insurance plan to buy, here are the important things to consider:

• Buy travel insurance as soon as possible for maximum benefits. Many policies have a variety of weather- and disaster-related cancellation reasons, but some hurricane coverage is only valid if you buy the policy within the first 14 to 21 days of paying the initial deposit. Even if you’re not sure how much the trip will cost, insuring the amount of your deposit allows you to increase coverage later as you make payments. Then, you’re still fully covered for hurricane-related cancellations.
• Travel insurance will only cover unforeseen events. “Once a hurricane is identified and named, it’s too late to purchase travel insurance to cover the storm,” said Durazo of Allianz Partners USA.
• Consider upgrading to “cancel for any reason” (CFAR) and possibly “interruption for any reason” (IFAR) coverage, if it’s available . Depending on the plan, these upgrades may reimburse you for 50% or 75% of your prepaid, nonrefundable trip costs. Standard trip cancellation and interruption have strict stipulations you must meet to qualify for reimbursement. CFAR offers the maximum flexibility for your financial investment because you don’t have to meet the same guidelines — you just have to cancel at least 48 hours before your departure time. 
• Compare travel insurance plans.  Carefully review each policy for language involving severe weather, named storms and hurricanes. For example, AIG Travel Guard Preferred provides cancellation due to a NOAA Hurricane Center hurricane warning at your destination within 3 days of departure. Other policies might have a shorter 24-hour period, while others may not offer specific hurricane cancellation. 

Choosing a travel plan that allows you to file a claim while you’re in-trip and reimburses quickly means you won’t get stuck paying for things out of pocket when you shouldn’t have to. More modern insurance providers that popped up following COVID, such as Faye, enable you to do just that. Via the Faye app you can file a claim in minutes digitally and when approved, we transfer funds directly to your phone’s wallet. Prefer to transfer it yo your bank account? No problem, we enable you to do that via our app too. Elad Schaffer, Co-founder and CEO, Faye Travel Insurance

What does hurricane travel insurance cost? 

The cost of hurricane travel insurance depends on a few factors:

• The age of travelers.
• The number of travelers.
• Coverage limits and types.
• Additional benefits.
• Travel insurance company.

The average travel insurance plan costs 4% to 6% of the nonrefundable trip fees, though that amount increases for travelers over 60. A 70-year-old traveler pays around 11% of the total trip price, while an 80-year-old would pay an average of 18% for the same policy. Older travelers should shop for the best travel insurance for seniors . 

Travel Insured

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

How to save money on hurricane travel insurance 

Here are some of the best ways to save money on hurricane travel insurance.

Compare plans and companies 

Just like with homeowners and auto insurance , comparing travel insurance companies and plans can help you find the best deal. Don’t think only about price, but also what the plan covers and excludes. Read online reviews to see how providers handle the claims process and customer service.

Check for coverage you already have 

Some credit cards offer travel benefits as a perk, like coverage for lost baggage, rental car damage and trip cancellation. However, there will be limitations, so read the fine print to understand if the card is a solid replacement for a travel insurance plan.

Many cruise lines and travel agencies also offer travel insurance. Be sure to review the policy carefully, and ask questions about how it covers hurricanes and whether it’s a good fit for your needs.

If you have health insurance , check to see if it will cover you where you’re going. Some plans will only cover you in your state, while others may cover you throughout the United States or for international travel. Verify where and when you’re covered and if there are out-of-network costs, which can significantly increase your healthcare expenses, especially if you must be evacuated to a medical facility.

Consider the travel insurance plan type

A comprehensive single-trip plan is more likely to have hurricane travel insurance benefits than an annual travel insurance plan. Annual plans tend to focus mostly on medical and evacuation coverage rather than robust cancellation and interruption protection. As a result, you may not have enough hurricane travel insurance to cover your trip.

When should I buy travel insurance for a hurricane?

The best time to buy travel insurance is when you make your initial trip deposit because it will provide the most benefits the plan offers. 

Weather is unpredictable, and if you wait until the hurricane is a named storm, you won’t have coverage for potential losses this storm could cause, said Durazo. That’s because once the National Hurricane Center upgrades severe weather to a named storm, it becomes a foreseeable event. Travel insurance does not cover storm-related claims if you purchase the policy after it becomes a named event.

Frequently asked questions (FAQs)

Travel insurance can cover hurricanes, but only if you buy the policy before the tropical storm becomes a named storm. If you wait until a hurricane warning is issued, it’s too late for the policy to cover storm-related losses. If there is a hurricane risk during your travel window, purchase your plan as soon as you make your first trip payment so you’ll be covered before a named storm or hurricane develops.

The best travel insurance plan for hurricane season is a comprehensive policy. It can provide coverage for delays, interruptions, cancellations and evacuations, and you can also get reimbursed for medical bills. Consider a plan with 24/7 emergency assistance services, which can help with rebooking hotels, flights and other last-minute changes.

Look for travel insurance plans with trip cancellation insurance and trip interruption benefits that include coverage for your destination falling under a NOAA hurricane warning or hurricane watch. Higher-tier travel insurance policies are more likely to have this coverage.

For travelers 60 and under, hurricane travel insurance costs an average of 4% to 8% of the total trip cost. But it could cost as much as 18% for travelers in their 80s. Travel insurance providers offer different plans at various price points, so comparing policies can help you find the best coverage for your budget.

The best place to buy travel insurance for hurricanes is through a reputable travel insurance company or a travel insurance comparison site. Insurance plans offered by cruise lines may leave you with significant coverage gaps.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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