7 Best Cards for Trip Cancellation and Interruption Insurance

Jodie Price

By Jodie Price | Updated October 3, 2025

Travel plans can change without warning, and the right credit card can help protect against costly cancellations or interruptions. Many top travel cards include built-in insurance that reimburses nonrefundable expenses when trips are disrupted for covered reasons. This guide highlights seven of the best options, showing how each card combines strong travel protections with valuable rewards.

  • Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred® Card is a travel rewards card that combines strong earning potential with built-in travel protections. It is often chosen by travelers who want both rewards and peace of mind when booking trips.

    This card includes trip cancellation and interruption insurance, which can reimburse for non-refundable expenses under covered situations. It also extends coverage to immediate family members when travel is booked with the card.

    Earning Structure:

    • 5x points on travel purchased through Chase Travel℠
    • 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart/Target)
    • 2x points on other travel purchases
    • 1x point on all other purchases

    Welcome Bonus:
    New cardholders can earn 75,000 bonus points after spending $5,000 in the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: 19.99%–28.24% variable
    • Coverage amount: Up to $10,000 per covered person, with a maximum of $20,000 per trip
    • Other benefits: Trip cancellation/interruption insurance, trip delay coverage, baggage delay insurance, purchase protection, extended warranty
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Strong travel protections
    • Flexible redemption options through Chase Travel℠
    • Points transfer to airline and hotel partners
    • No foreign transaction fees
    • Broad bonus categories for daily spending

    Redemption Options:
    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners.

    Credit Requirements:
    Applicants generally need a FICO score in the good to excellent range, typically between 690 and 850, to qualify.

    Spending Limitations / Potential Drawbacks:
    The card has an annual fee and limited bonus categories outside of travel and dining.

    Why it Works for Beginners:
    It offers simple earning categories, strong protections, and flexible redemption options that are easy for new travelers to use.

  • Chase Sapphire Reserve®

    The Chase Sapphire Reserve® is a premium travel credit card designed for frequent travelers who want strong protection and flexible rewards. It offers a wide set of travel benefits that focus on convenience and coverage.

    This card is popular for its ability to provide peace of mind through built-in insurance protections. It also gives cardholders access to valuable redemption options and luxury travel perks.

    Earning Structure:

    • 8x points on all purchases through Chase Travel, including The EditSM
    • 4x points on flights booked direct
    • 4x points on hotels booked direct
    • 3x points on dining worldwide
    • 1x point on all other purchases

    Welcome Bonus:
    The card offers a welcome bonus of 125,000 points after spending $6,000 in the first three months of joining.

    Card Details:

    • Annual fee: $795
    • APR: 20.24%–28.74% variable
    • Coverage amount: Up to $10,000 per covered person, with a maximum of $20,000 per trip
    • Other benefits: $300 annual travel credit, Priority Pass lounge access, travel protections
    • Network: Visa Infinite
    • Type: Credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Primary rental car insurance
    • Trip cancellation and interruption coverage
    • Trip delay reimbursement
    • Lost luggage insurance
    • Emergency evacuation services

    Redemption Options:
    Points can be redeemed through the Chase Ultimate Rewards portal, transferred to airline and hotel partners, or used for cash back and gift cards.

    Credit Requirements:
    Applicants generally need excellent credit to qualify, with a FICO score between 720 and 850.

    Spending Limitations / Potential Drawbacks:
    The high annual fee may not be worth it for those who travel infrequently.

    Why it Works for Beginners:
    It offers built-in protections and easy redemption options, making it simpler for new travelers to gain value without complicated strategies.

  • IHG One Rewards Premier Credit Card

    The IHG One Rewards Premier Credit Card is designed for travelers who prefer staying at IHG properties. It provides hotel-focused perks that add value to frequent guests.

    Cardholders receive automatic elite status and annual rewards that can reduce hotel costs. The card also includes travel protections that make it useful for trip planning.

    Earning Structure:

    • Up to 26x points at IHG Hotels & Resorts (10x points with this card, up to 10x points as an IHG One Rewards Member, and up to 6x points with Platinum Elite Status)
    • 5x points on travel and hotels
    • 5x points at gas stations
    • 5x points at restaurants, including takeout and eligible delivery
    • 3x points on all other purchases

    Welcome Bonus:
    New applicants can earn 140,000 bonus points after spending $3,000 in the first three months of membership.

    Card Details:

    • Annual fee: $99
    • APR: 19.99%–28.49% variable
    • Coverage amount: Up to $5,000 per covered person, with a maximum of $10,000 per trip
    • Other benefits: Free night award each anniversary, $50 United TravelBank credit, TSA PreCheck/Global Entry credit
    • Network: Visa
    • Type: Hotel rewards card
    • Foreign transaction fees: None

    Key Benefits:

    • Automatic Platinum Elite status
    • Free anniversary night certificate
    • Fourth night free on award stays
    • Statement credit for TSA PreCheck or Global Entry
    • Travel protections like trip cancellation coverage

    Redemption Options:
    Points can be redeemed for IHG hotel stays, partner airline miles, or gift cards.

    Credit Requirements:
    Applicants should typically have a good to excellent credit score, with a FICO score of 690–850.

    Spending Limitations / Potential Drawbacks:
    The best value comes from IHG stays, so those who rarely use the chain may find the rewards less flexible.

    Why it Works for Beginners:
    It offers simple earning categories and automatic status, making it easy for new cardholders to see value without complex strategies.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want to earn rewards on everyday expenses. It offers strong travel protections, including trip cancellation and interruption insurance.

    This card also provides flexible redemption options through Chase Ultimate Rewards. It works well for those who spend often in business categories such as travel, advertising, and communications.

    Earning Structure:

    • 3x points on travel, shipping, internet, cable, phone services, and select advertising purchases (up to a set limit)
    • 1x point on all other purchases

    Welcome Bonus:
    New cardholders can earn 90,000 bonus points after spending $8,000 in the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: 20.24%–26.24% variable
    • Coverage amount: Up to $5,000 per covered person, with a maximum of $10,000 per trip
    • Other benefits: Trip cancellation/interruption insurance, cell phone protection, purchase protection
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Strong travel protections
    • High earning rate on business-related categories
    • No foreign transaction fees
    • Points redeemable through Chase Ultimate Rewards
    • Cell phone protection included

    Redemption Options:
    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners.

    Credit Requirements:
    Applicants typically need good to excellent credit, often starting around a 670 score.

    Spending Limitations / Potential Drawbacks:
    The bonus earning categories cap at a certain spending limit per year, which may restrict high-volume businesses.

    Why it Works for Beginners:
    It offers straightforward earning categories and easy redemption options, making it simple for new business cardholders to use effectively.

  • The Platinum Card® from American Express

    The Platinum Card® from American Express is a premium travel rewards card designed for frequent travelers. It offers strong travel protections along with access to luxury perks. Cardholders can earn valuable rewards and enjoy a wide range of travel credits. The card also provides insurance benefits that help protect prepaid, nonrefundable trips.

    Earning Structure:

    • 5x points on flights booked directly with airlines or through Amex Travel
    • 5x points on prepaid hotels booked through Amex Travel
    • 1x point on other eligible purchases

    Welcome Bonus:
    New cardholders can receive up to 175,000 Membership Rewards® points after spending $8,000 in the first six months of joining.

    Card Details:

    • Annual fee: $695
    • APR: 20.24%–29.24% variable
    • Coverage amount: Up to $10,000 in eligible reimbursement for trip cancellation or interruption per trip
    • Other benefits: Airport lounge access, hotel program perks, travel credits
    • Network: American Express
    • Type: Charge card with pay-over-time option
    • Foreign transaction fees: None

    Key Benefits:

    • Trip cancellation and interruption insurance
    • Trip delay reimbursement
    • Lost baggage coverage
    • Access to Amex Fine Hotels + Resorts program
    • Global airport lounge access

    Redemption Options:
    Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:
    Applicants generally need good to excellent credit to qualify, with a FICO score of at least 680 or higher.

    Spending Limitations / Potential Drawbacks:
    The card has a high annual fee and may not be cost-effective for those who travel infrequently.

    Why it Works for Beginners:
    It provides strong travel protections and simple redemption options, making it easier for new cardholders to use rewards effectively.

  • United Club℠ Card

    The United Club℠ Card is designed for frequent United Airlines travelers who want stronger travel protections and premium perks. It provides built-in trip cancellation and interruption coverage when eligible travel is booked with the card.

    This card also emphasizes comfort and convenience during trips. Cardholders gain access to exclusive benefits that improve both airport and in-flight experiences.

    Earning Structure:

    • 9x total miles on United flights (5x miles on fare as a MileagePlus member plus 4x miles with the United Club℠ Card; Premier® members earn even more)
    • 5x miles on hotel stays at Renowned Hotels and Resorts when prepaid directly with the United Club℠ Card
    • 4x miles on all other eligible United purchases
    • 2x miles on dining and all other travel
    • 1x mile on all other purchases

    Welcome Bonus:
    New cardholders can earn 80,000 bonus miles after spending $5,000 in the first three months.

    Card Details:

    • Annual fee: $695
    • APR: 20.49%–28.99% variable
    • Coverage amount: Up to $10,000 per covered person, with a maximum of $20,000 per trip
    • Other benefits: United Club membership, free first and second checked bags, priority boarding
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Expanded award availability for United flights

    Key Benefits:

    • Trip cancellation and interruption insurance
    • Trip delay reimbursement
    • Baggage delay coverage
    • United Club lounge access
    • Priority check-in and boarding

    Redemption Options:
    Miles can be redeemed for United flights, partner airline flights, upgrades, and other travel rewards.

    Credit Requirements:
    Applicants generally need excellent credit, with a FICO score of at least 740.

    Spending Limitations / Potential Drawbacks:
    The card carries a high annual fee, which may not be worth it for travelers who fly United less often.

    Why it Works for Beginners:
    It offers straightforward earning on United purchases and strong built-in protections, making it easier for new travelers to manage travel risks.

  • World of Hyatt Credit Card

    The World of Hyatt Credit Card is designed for travelers who prefer staying at Hyatt hotels. It connects directly to the World of Hyatt loyalty program, making it easier to earn and use points.

    This card focuses on rewarding hotel stays and everyday spending. It also includes travel protections, such as trip cancellation and interruption insurance, which provides added peace of mind for frequent travelers.

    Earning Structure:

    • 9x points at Hyatt hotels
    • 2x points on dining, airline tickets purchased directly, local transit, and fitness clubs
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 bonus points after spending $3,000 in the first three months. Plus, up to 30,000 bonus points by earning 2 bonus points per $1 in the first six months of membership.

    Card Details:

    • Annual fee: $95
    • APR: 19.99%–28.49% variable
    • Coverage amount: Up to $5,000 per covered person, with a maximum of $10,000 per trip
    • Other benefits: Automatic Discoverist status, free night certificate each year
    • Network: Visa
    • Type: Hotel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Annual free night at a Hyatt property
    • Bonus points on travel and dining
    • Trip cancellation and interruption coverage
    • Trip delay reimbursement
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for free nights, room upgrades, or transferred to airline partners.

    Credit Requirements:

    Applicants usually need a credit score above 670 to qualify.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for those who stay at Hyatt properties often, so it may not fit travelers who prefer more flexible hotel choices.

    Why it Works for Beginners:

    It has straightforward earning categories and an annual free night, allowing new cardholders to easily find value without needing complicated strategies.

Frequently Asked Questions

What are the top credit cards offering trip cancellation and interruption insurance?

The Chase Sapphire Reserve and Chase Sapphire Preferred both include strong trip cancellation and interruption coverage when travel is purchased with the card. The Platinum Card from American Express also provides this protection, along with other travel perks. These cards are often chosen because they cover prepaid, nonrefundable expenses if a trip is disrupted for covered reasons.

How does trip cancellation and interruption coverage vary among different credit cards?

Coverage differs by card in terms of reimbursement limits, covered reasons, and eligible expenses. Premium cards like the Chase Sapphire Reserve and Amex Platinum usually offer higher limits and broader protections. Mid-tier or no-fee cards may cover fewer situations and have lower maximum payouts.

Which credit cards offer the highest trip cancellation and interruption coverage limits?

The Chase Sapphire Reserve, The Platinum Card from American Express, and the United Club Card each offer up to $10,000 per covered person for trip cancellation or interruption. These cards also provide a maximum of $20,000 per trip, giving travelers strong protection for prepaid, nonrefundable expenses. Their higher coverage limits make them ideal for frequent or luxury travelers who book expensive trips.

What specific travel insurance benefits do Chase Sapphire Preferred cardholders receive?

The Chase Sapphire Preferred covers trip cancellation and interruption for prepaid, nonrefundable expenses if travel is canceled for covered reasons. It offers reimbursement for meals and lodging during eligible trip delays. Cardholders may also receive baggage delay insurance and travel accident coverage.

Do hotel credit cards also include trip cancellation and interruption insurance?

Yes, cards like the IHG One Rewards Premier and World of Hyatt Credit Card include this coverage. Both offer up to $5,000 per person and $10,000 per trip for eligible cancellations or interruptions. This makes them valuable not only for hotel rewards but also for protecting prepaid travel expenses.