Credit Cards That Offer Trip Delay Insurance

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When travel plans get interrupted at the last minute, you may begin wondering if you can get a refund or make changes without paying steep change fees. By paying for your trips with the best credit card for travel miles that include trip delay insurance benefits, you can prevent anxiety when you’re unexpectedly delayed.

trip delay insurance

Weather Delays and Flight Cancellations

Trip delay insurance is a complimentary benefit with many travel rewards cards. This benefit covers delay-related travel expenses that your airline doesn’t cover. Some examples might include hotel nights, clothing, and toiletries.

Although you’re probably more focused on the rewards points when you choose a new credit card, this benefit can also be extremely valuable when you use it.

What Does Trip Delay Insurance Cover?

Every credit has different coverage policies, but there are a few similarities with every card.

  • Can get a reimbursement for personal expenses not within coverage of the travel provider
  • Coverage be in addition to a separate travel insurance policy
  • You can get a reimbursement for up to $500
  • Most credit cards only reimburse you and your family members
  • The delay must exceed the number designated hours or require an overnight stay

When you’re ready to make a claim, you usually have 60 days from the delay date to submit your information. You will need to contact the credit card company to initiate the claims process.

Several credit cards have recently devalued their trip delay insurance to only covering you and your family members. In the past, the benefits extended to anybody traveling with you if their ticket was purchased with your credit card.

Try Flexible Travel Rewards Credit Cards First

In most cases, each ticketed passenger can be reimbursed up to $500 for related expenses. For the most part, you will need to carry a card issued by Chase or Citi to get trip delay insurance.

If your trip gets canceled, you might even get reimbursed for your non-refundable travel expenses too.

Of course, you need to pay for a portion of the travel purchase with your credit card to be eligible for these benefits.

Chase Sapphire Reserve

Minimum Delay: 6 hours or an overnight stay

With the Chase Sapphire Reserve, you will be reimbursed up to $500 per family member. You can also be reimbursed up to $10,000 if your trip is canceled or shortened for weather, sickness, and other covered situations too.

Many travelers prefer the Chase Sapphire Reserve over other rewards card because the benefits trigger at six hours (instead of 12) and you can also redeem your points for a 50% travel redemption bonus or 1:1 point transfers too. If you’re delayed at the airport, take the opportunity to visit a Priority Pass Select lounge with your free membership too.

Chase Sapphire Preferred

Minimum Delay: 12 hours or an overnight stay

You can still be reimbursed up to $10,000 for canceled travel like the Sapphire Reserve. But Chase Sapphire Preferred cardholders must wait 12 hours before they can qualify for a claim.

In addition to the trip delay insurance benefits, you get a 25% travel redemption bonus and 1:1 point transfers too. Here’s our post comparing the Chase Sapphire Preferred vs Capital One Venture.

Citi Prestige

Minimum Delay: 6 hours

After waiting up to six hours with the Citi Prestige, you and your family members can get a reimbursement of up to $500 per person.

Citi ThankYou Premier

Minimum Delay: 12 hours

Wait 12 hours and you can get your money back – up to $500 for trip delays with the Citi ThankYou Premier. You also get a  25% point redemption bonus when you redeem your points for award flights in the Thank You travel portal too.

Co-Brand Travel Credit Cards with Trip Delay Insurance

Some co-brand airline and hotel travel credit cards offer trip delay insurance too. These cards may not always be your go-to option for large travel expenses because you might not get trip cancellation coverage too. However, they can still save you money if it’s too late to cancel your reservations.

Marriott Premier Plus

Minimum Delay: 12 hours or overnight stay

The Marriott Premier Plus is one of the new co-brand Marriott credit cards. You get $500 in coverage for you and your family. And, you can also get a free annual hotel night award.

World of Hyatt Credit Card

Minimum Delay: 12 hours or overnight stay

The World of Hyatt Credit Card also offers $500 in trip delay reimbursement. You also have the opportunity to get a second free hotel night each year when you spend at least $15,000 in card purchases.

Ritz-Carlton Rewards

Minimum Delay: 6 hours or an overnight stay

If you prefer a premium hotel rewards credit card, the Ritz-Carlton Rewards trip delay benefits kick in after six hours.

United Explorer Card [Expired]

Minimum Delay: 12 hours or an overnight stay

The Chase United Explorer Card also lets you get a free checked bag for you and one travel companion in addition to the $500 in trip delay insurance.

United Club Card

Minimum Delay: 12 hours or an overnight stay

The upscale United Club Card offers more United Airlines travel benefits including two free checked bags and United Club membership.

Citi/AAdvantage Platinum Select

Minimum Delay: 12 hours

This entry-level American Airlines co-brand credit card lets you get $500 in trip delay coverage after a 12-hour delay. You and four travel companions can also get your first bag check for free. By spending $20,000 a year, you also get a $100 American Airlines travel credit with the Citi/AAdvantage Platinum Select.

Citi/AAdvantage Executive World Elite

Minimum Delay: 12 hours

The Citi/AAdvantage Executive World Elite is the premium rewards card with free Global Entry, Admirals Club membership, and free checked bags for you and eight travel companions.

Filing a Trip Delay Insurance Claim

When you need to file a claim, you will need to show written proof that the carrier didn’t provide compensation already and the delay reason. Just because there was a six-hour delay doesn’t mean you automatically qualify for a $500 trip delay reimbursement. Your trip still has to have a delay to be a valid reason in your credit card benefit policy guide.

Submitting as much information the first time helps ensure you get approval for your claim as soon as possible.

Summary on Credit Cards with Trip Delay Coverage

Certain travel credit cards offer trip delay insurance benefits up to $500 for you and your family. Depending on the travel credit card, your travel must have a delay of at least six to twelve hours before you can submit a claim. You’ll be glad you were able to use one of these cards to book your trip.

Mary Renking

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Credit Cards That Offer Trip Delay Insurance
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About the Author

Mary Renking
Mary writes about how to book travel with award miles & points, reviews top travel credit cards, and basic rewards news.

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