{"id":10024,"date":"2024-11-04T18:24:21","date_gmt":"2024-11-04T18:24:21","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/what-your-credit-cards-trip-protection-covers-and-what-it-doesnt\/"},"modified":"2024-11-04T18:24:21","modified_gmt":"2024-11-04T18:24:21","slug":"what-your-credit-cards-trip-protection-covers-and-what-it-doesnt","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/what-your-credit-cards-trip-protection-covers-and-what-it-doesnt\/","title":{"rendered":"What your credit card\u2019s trip protection covers \u2014 and what it doesn\u2019t"},"content":{"rendered":"

<\/p>\n

\n

If things go awry while you’re traveling, you’ll be glad that you booked your trip \u2014 and its related expenses \u2014 with a card that features travel protections<\/a>. Thankfully, many rewards credit cards<\/a> offer complimentary protections<\/a> as long as you pay for prepaid, nonrefundable travel expenses with the card.<\/p>\n

For example, the Chase Sapphire Preferred\u00ae Card<\/a> is a popular travel rewards card with a reasonable $95 annual fee. Among its great travel benefits<\/a> are trip cancellation and interruption insurance and trip delay reimbursement<\/a>.<\/p>\n

These protections offer a substantial level of coverage that may prevent the need for purchasing separate travel insurance. With the Sapphire Preferred, if your trip is delayed 12 hours or more \u2014 or requires you to book overnight accommodations \u2014 you’re covered for related expenses, up to $500 per ticket.<\/p>\n

Let’s examine the coverage you get with travel rewards cards<\/a>, using the Sapphire Preferred’s benefits as our primary example. Remember that protection and coverage vary from card to card, so carefully review the fine print for the specific cards you hold (or plan to apply for) before booking your next adventure.<\/p>\n

<\/p>\n

Trip cancellation and interruption insurance<\/h2>\n

First, let’s quickly go over trip cancellation and interruption insurance on the Sapphire Preferred<\/a>, as outlined by Chase:<\/p>\n

“If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.”<\/em><\/p><\/blockquote>\n

\n