Who is covered by your credit card travel insurance? - The Points Guy
Many premium travel rewards credit cards automatically include various travel insurance protections—such as trip cancellation, baggage delay, and emergency medical coverage—when you pay for your trip with the card, potentially eliminating the need to purchase separate travel insurance. Coverage varies significantly by card, with some offering basic protections while others like the Chase Sapphire Reserve provide comprehensive benefits including up to $100,000 in emergency evacuation coverage. Beyond the cardholder, these protections often extend to spouses, family members, and traveling companions, though eligibility requirements and benefit limits differ by card issuer.