Ultra-Premium credit cards like the Chase Sapphire Reserve and American Express Platinum have annual fees that commonly exceed $500/year. Despite those hefty costs of ownership, these types of cards can be very popular in the points and miles community due to extensive lists of benefits and credits that can mitigate or completely offset those fees.
Travel protections are one of the perks provided by these cards. In some cases, these benefits can meet or even exceed those that are found with paid-for travel insurance, resulting in significant savings for those who would normally purchase it.
Below you’ll find a summary of credit card travel protections provided automatically by various ultra-premium travel cards such as Chase Sapphire Reserve, Capital One Venture X, Amex Platinum, Citi AA Executive, and US Bank Altitude Reserve.
Credit card travel insurance overview
As you’ll see below, Chase continues to lead the field with the best automatic travel protections. Chase’s Sapphire Reserve and Ritz-Carlton cards offer the same excellent travel protections benefits. They’re the only cards in the roundup to provide baggage delay reimbursements, and the only to provide emergency medical and dental coverage.
Meanwhile, Amex Platinum cards offer a killer feature: uncapped Emergency Evacuation and Transportation, even if you don’t pay for your travel with your Platinum card. If cost were no object, the ideal combination would be to pay for travel with your Chase Sapphire Reserve or Ritz card, but to also have a Platinum card in case you need more than $100,000 worth of emergency evacuation and transportation ($100K is Chase’s cap to that benefit).
How does the Venture X compare? It’s good, but not best-in-class. Its travel protections (provided by Visa Infinite) are nearly identical to USB’s Altitude Reserve, but Capital One’s card does not include $10K worth of emergency evacuation and transportation like USB’s card does.
How about the USB Altitude Reserve?  Same answer as Venture X, above: it’s good, but not best-in-class. USB throws in $10K of emergency evacuation and transportation, but I’m not sure $10K will get you very far.
How does the Citi AA Executive card compare? Not great, but it’s far better than nothing (“nothing” is a summary of protections that this card offered prior to mid-July 2023). We do like that most of the coverage they offer is still available if you pay at least in part with your AA card or with your AA miles, but they fall short in other areas: 1) Rental car coverage is secondary within the U.S.; 2) Trip cancelation coverage payout is limited to the amount you pay with your card and/or with AA miles (if you pay for everything with your AA card and AA miles, that won’t be an issue, though); and 3) The card is missing other travel protections such as travel accident insurance, and emergency evacuation coverage.
The following chart summarizes travel protections provided automatically by each ultra-premium card. Cells in green indicate best in class coverage. “Pay partial” means that you can get full coverage even if you pay only part of your transportation costs with this card. For example, you could pay just the taxes and fees for an award flight. Or, you could pay part of a cruise with gift cards and the rest with your credit card.
| Chase Sapphire Reserve | Capital One Venture X | Amex Platinum1 | USB Altitude Reserve | Citi AA Executive2 | |
|---|---|---|---|---|---|
| Ritz-Carlton | Delta Reserve1 | ||||
| Bonvoy Brilliant | |||||
| Hilton Aspire | |||||
| Rental Car | Primary7 | Primary | Secondary3 | Primary | Secondary |
| Roadside Assistance | 4X / Year | N/A | N/A | N/A | N/A |
| Trip Cancellation | Pay Partial | Pay Partial4 | Pay in Full5 | Pay Partial | Pay Partial6 |
| Trip Delay | 6 Hour Pay Partial |
6 Hour Pay Partial |
6 Hour Pay in Full5 |
6 Hour Pay Partial |
6 Hour Pay Partial |
| Lost Luggage | Pay Partial | Pay Partial | Pay in Full | Pay Partial | Pay Partial |
| Luggage Delay | 6 Hour Pay Partial |
N/A | N/A | N/A | N/A |
| Travel Accident Insurance | Pay Partial | Pay in Full | N/A | Pay in Full | N/A |
| Emergency Evac | $100K Limit Pay Partial |
N/A | No Limit No Pay Rqmt |
$10K Limit Pay Partial |
N/A |
| Emergency Medical & Dental | $2500 Limit Pay Partial |
N/A | N/A | N/A | N/A |
-
- Amex offers the same coverage for all versions of the Platinum card, including the Business Platinum card and Platinum cards branded with Schwab and Morgan Stanley. Similarly, the Delta Reserve consumer card and Delta Reserve business card share the same coverage.
- Travel protections are the same regardless of whether cardholders use AA miles or the AA Executive Card to pay for travel.
- Amex does offer primary coverage, but you have to pay extra for it. Details here.
- The Common Carrier ticket must be purchased using the covered Capital One Account and/or rewards programs associated with Your covered Account.
- Amex covers round-trip travel paid “in full” with their card, but “in full” includes situations where you pay full award taxes and fees or when you pay with Amex points for travel.
- You are covered when you pay partial, but coverage is limited to the lesser of the actual amount paid for with Your Citi Card (including AAdvantage miles) or the maximum coverage per Trip
- Rental car insurance on the Chase Sapphire Reserve is not primary for residents of New York state that also have a personal car insurance policy.
Summary by insurance coverage type
Each of the tables shown below summarize the benefits available with each card. With each type of coverage, I’ve listed whether you must pay for travel with the card in order to get coverage. In most cases, it is OK to pay with points rather than the credit card directly (e.g. you can pay with Ultimate Rewards points for Sapphire Reserve coverage, or Membership Rewards points for Amex Platinum coverage, or AA miles for Citi AA Executive coverage).
Auto Rental Collision Damage Waiver
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Primary? | Yes | Yes | No | Yes | Outside USA | Yes |
N/A |
| Limit per claim | $75K | $75K | $75K | $75K | $75K | $75K | N/A |
| Amount required to pay w/ card to be eligible for benefit | 100% | 100% | 100% | 100% | 100% | 100% | N/A |
| Where coverage is not available |
Israel, Jamaica, Republic of Ireland, Northern Ireland | Australia, Italy, New Zealand | Israel, Jamaica, Republic of Ireland, Northern Ireland | Israel, Jamaica, Republic of Ireland, Northern Ireland |
Roadside Assistance
Towing, jump-start, tire change, lock out service, fuel delivery
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Limits | $50 per service; max 2 gallon fill-up, 4X per year; | N/A | N/A | N/A | N/A | None | N/A |
| Amount required to pay w/ card to be eligible for benefit |
None | N/A | N/A | N/A | N/A | None | N/A |
| Amount charged per use to cardholder if within limits |
$0 | N/A | N/A | N/A | N/A | $59.95 | N/A |
Trip Cancellation and Interruption
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Limit per person, per trip | $10K | $2K | $10K | $2K | $5K | $5K | N/A |
| Max per trip |
$20K | $2K per Person | $10K | $2K | $5K | $5K | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of travel arrangements |
Entire fare less less redeemable certificates, vouchers, or coupons |
Entire round-trip fare* | Entire fare less less redeemable certificates, vouchers, or coupons |
Any part, but… ** | Entire passenger fare | N/A |
* Amex covers round-trip travel paid “in full” with their card, but “in full” includes situations where you pay full award taxes and fees or when you pay with Amex points for travel.
** Will reimburse the lesser of the actual amount paid for with Your Citi Card (including AAdvantage® miles) or the maximum coverage per Trip.
Trip Delay Reimbursement
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| # hours delay required | 6 | 6 | 6 | 6 | 6 | 6 | N/A |
| Max coverage per person per trip | $500 | $500 | $500 | $500 | $500 | $500 | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of common carrier transportation | A portion of the Common Carrier fare | Entire round-trip fare* | A portion of the Common Carrier fare | A portion of the Common Carrier fare | Pay entire common carrier fare | N/A |
* Amex covers round-trip travel paid “in full” with their card, but “in full” includes situations where you pay full award taxes and fees or when you pay with Amex points for travel.
Lost Luggage Reimbursement
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Max coverage per person per trip | $3K | $3K | $3K ($2K for checked bags) | $3K* | $3K** | $5K | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of common carrier transportation | Purchase a portion of the Covered Trip | Full cost of transportation | Purchase a portion of the Covered Trip | A portion of the Common Carrier fare | Full cost of Common Carrier tickets | N/A |
* Lesser of the following three amounts: the original purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection (with appropriate deduction for depreciation), and the cost to replace the item(s).
** $2K per bag for NY residents; Up to $10K total per trip.
Baggage Delay Reimbursement
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| # hours delay required | 6 | N/A | N/A | N/A | N/A | N/A | N/A |
| Max coverage per person per trip | $500 ($100 per day) | N/A | N/A | N/A | N/A | N/A | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of common carrier transportation | N/A | N/A | N/A | N/A | N/A | N/A |
Travel Accident Insurance
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Max coverage per person per trip | $1M | $1M | N/A | $500K | N/A | $1M | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of common carrier transportation | Entire common carrier fare | N/A | Entire common carrier fare | N/A | Entire common carrier fare | N/A |
Emergency Evacuation and Transportation
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Max coverage per person per trip | $100K | N/A | No set limit | $10K | N/A | $10K | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of trip | N/A | None | Purchase either a portion or the entire cost of the Covered Trip |
N/A | Trip purchased entirely with CNB card | N/A |
Emergency Medical and Dental
| Sapphire Reserve / Ritz | Capital One Venture X | Amex Plat, Delta Reserve, Bonvoy Brilliant, Hilton Aspire | Altitude Reserve | Citi AA Executive | CNB | Citi Prestige | |
|---|---|---|---|---|---|---|---|
| Max coverage per person per trip | $2,500 | N/A | N/A | N/A | N/A | N/A | N/A |
| Amount required to pay w/ card to be eligible for benefit | Any part of common carrier transportation | N/A | N/A | N/A | N/A | N/A | N/A |
American Express Platinum Emergency Evacuation and Transportation Coverage
It’s important to note that this coverage is part of the Amex “PREMIUM GLOBAL ASSIST HOTLINE” which is available to Platinum and Centurion cardholders, but not to cardholders of other ultra-premium Amex cards. In other words, cardholders of the following cards do not get this benefit: Hilton Aspire, Delta Reserve, Delta Reserve for Business, and Marriott Bonvoy Brilliant.
Detailed benefits of the hotline can be found by clicking here.
There is no requirement to pay for any part of your trip with your Amex Platinum card to use this benefit.
Here are the relevant terms from the above linked document:
Premium Global Assist Hotline can help you prepare for your trip with customs information and more. While you’re traveling more than 100 miles from home, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals are only a phone call away. Plus, we may provide services related to emergency medical transportation assistance. Card Members may be responsible for the costs charged by third-party service providers. Additional restrictions apply, see below.
Please note that any assistance provided by this benefit cannot be in violation of U.S. economic or trade sanctions.
Premium Global Assist Hotline Toll Free: 1-800-345-AMEX (2639) Direct Dial Collect: 1-715-343-7979
MEDICAL ASSISTANCE
Emergency Medical Transportation Assistance In the event that the Card Member or another covered family member (your spouse or domestic partner, dependent up to age 23, or age 26 if full-time student) traveling on the same trip itinerary as the Card Member becomes injured or ill while traveling and is seeking or has sought medical treatment, the Premium Global Assist Hotline medical department can assess the medical need for transportation and provide the service.
A medical evacuation may be provided at no cost to the Card Member or covered family member from point of illness or injury (when the Card Member or covered family member is under the care of a local medical service provider or facility) to a more appropriate medical facility or to a hospital near the person’s home as determined by the Premium Global Assist Hotline designated physician. The Premium Global Assist Hotline designated physician, in consultation with the local medical service provider or facility, will determine whether such transport is medically necessary and advisable. The event must be within the first 90 days of the trip and cannot be a pre-existing condition. A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60 day period immediately prior to the start of a trip. The person needing evacuation may need to complete a medical information release as required by the Health Insurance Portability and Accountability Act (a “HIPAA Release”), or provide authorization for next of kin to complete the release. Emergency transportation services in connection with the medical emergency may also be provided to a covered family member pursuant to the full Emergency Medical Transportation Assistance Terms and Conditions at the end of this document. Subject to additional important terms, conditions and exclusions. Please see full Terms and Conditions at the end of this document.
Very Important: Any costs for medical transport not authorized and arranged through the Premium Global Assist Hotline Program are solely the responsibility of the Card Member and such costs will not be reimbursed. Premium Global Assist Hotline does not cover medical expenses (with the exception of cost incurred during the transport) nor transportation of personal possessions including luggage.
Repatriation of Mortal Remains In case of death of a covered Card Member or covered family member (your spouse, dependent up to age 23, or age 26 if full-time student) while traveling with the Card Member, the Premium Global Assist Hotline medical department can provide the necessary administrative services to effect the transportation of the mortal remains back to the person’s principal place of residence or place of burial, whichever is closer. As an additional benefit, Premium Global Assist Hotline can pay for the cost of the transport and, subject to approval, the cost of a coffin or other encasement of the remains suitable for travel.
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[…] cards have limits from $2,000 to $20,000 per trip16. This shows the range of coverage […]
I have scoured the Capital One terms and cannot find an answer on this. If I use part of the $300 annual travel credit that comes with the Capital One Venture X to pay for a rental car, can I decline the additional insurance and use the card CDW benefit? The terms make it sound like I have to use the card to pay for the rental, but in essence, I’m using the card BENEFIT to pay for it. (just not the actual card)
How does Chase Ink Preferred compare to Chase Sapphire Reserve and Amex Plat ?
uscarddb.com has comparisons with links to all the new chase guides
Please consider adding BofA premium cards to this list. (I saw below that you previously offered to add it last year.)
It’s a card that is becoming quite competitive for travelers, especially because many will keep this card solely for the Priority Pass restaurant coverage
This is great, Greg! I would think that adding the Sapphire Preferred would be useful to a bunch of people. I know you are looking at the top end, but I would guess (??) that more people have the CSP as have any of these.
Or just the difference between CSR and CSP.
Take care.
Reply. Thanks Matt. We’ll consider that in the future. In the meantime, check out this comparison: https://frequentmiler.com/chase-sapphire-reserve-vs-preferred/#Travel_Protections
That is fantastic – perfect. TY!
Are Venture X Business benefits different as it’s a MC vs. Venture X (visa infinite?)
This is the new CSR Guide to Benefits as of 10/1/24:
https://www.chasebenefits.com/sapphirereserve3
The CSR emergency medical and dental benefit only applies to trips booked via a travel agency. I have no idea why this requirement exists. But it severely limits the usefulness of this benefit!
Is this true of the Ritz card as well?
I’ve read the Guide to Benefits and I do not see “only applies to trips booked via a travel agency.” I do see that all of part of the trip must be paid with the card. I also see that the coverage is SECONDARY. So, one must seek to apply one’s primary medical / dental insurance first.
Separately, the Emergency Evacuation and Transportation benefit requires pre-authorization. In the heat of the moment, who will know to obtain it? Or, if you are not conscious, will P2 know about it? Also, the provider can deem that a locale’s infrastructure is “insufficient” to provide the service. Also, coverage is not provided in countries 1) for which the State Department has issued a travel advisory (doesn’t say which level of advisory) or 2) on the OFAC list. Also, injured as a result of a union labor riot in Paris? (Don’t laugh.) That might be deemed civil disorder and not covered.
On the surface, such coverages sound great but their terms and conditions make one wonder.
Page 14: “Your trip must be arranged by a travel agency”
Page 16: “Covered Trip – arrangements that are made by a commercial licensed travel establishment consisting of travel agencies and/or common carrier organizations, for which the expense has been charged to Your eligible Account and/or rewards programs associated with Your eligible Account, which is not travel for the purposes of obtaining medical treatment.”
The NEW terms and conditions do not include your Page 14 language. No such requirement is imposed.
The NEW terms and conditions (page 10) include the following definition of “Covered Trip”:
“Covered Trip – any prepaid travel arrangements booked through a commercial licensed travel establishment consisting of travel agencies and/or common carrier organizations when a portion or the entire cost was paid using the Covered Card and/or redeemable Rewards, and which is not less than five (5) days and does not exceed sixty (60) consecutive days in duration and in excess of one hundred (100) miles from the Covered Traveler’s primary residence.” [Emphasis added.]
Common carriers include airlines. So, if one books directly with an airline and uses the card, one should be covered. I hope this addresses your concern.
Good to know. Are you referring to the ones that Chase has very recently been emailing about?
Kudos, again, for being the only site that covers Altitude Reserve. Other sites omit that good card which seems to be because they don’t pay commissions like Chase, Amex, BoA, Citi. That is part of the reason why I now ignore the other sites and just focus on FM.
While somewhat unclear, a notice from Chase seems to indicate that the CDW limit on the CSR will be moving to $60k. Coverage on any vehicle with an MSRP of $125k or less.
Yeah looks like a drop from 70k to me.
I specifically left that out for now, because we’re not sure that it will apply to the CSR. The examples that Chase gave where mainly cards were it would be an increase: Freedom cards, Hyatt and IHG Premier.
The Sapphire Preferred was also listed, so that certainly doesn’t mean that it won’t apply to the CSR/Ritz cards, but we want to see confirmation before publishing it.
Regarding insurance coverage on the CRS or ritz …Will paying baggage fees with the card count as paying any part of common carrier transportation ?
BOOM! https://myvisainfinite.com/content/dam/vppPremium/premiumrewardselite/gtb/PremiumRewardsElite_GTB.pdf
Note: The AA Executive has “Secondary” rental coverage in the United States, but is “Primary” elsewhere. I will be using this card for a Europe rental to use up the $120 credit.
BOA premium card? Trip delay, baggage delay, cancellation/interruption, lost luggage, etc; but would welcome a more educated evaluation.
One thing I think it’s important to point out is that the Trip Delay and Trip Cancellation/Interruption policies are “named peril” policies and not “open peril” policies. That means that the situations they identify in the guide to benefits aren’t just examples of things that are covered, they are quite literally the only situations that are covered.
For example, Chase only covers 4 hazards for trip delay: weather, common carrier mechanical failure, terrorism, and strike.
If you’re delayed for 6 or 12 hours and it’s not due to one of those 4 hazards, you’re not covered. So the common problems lately like United cancelling flights because of aircraft/crew positioning problems, or delays due to ATC ground stoppages, or delays due to crew timeout / crew shortage are all not covered events. Even weather as a covered event needs to be a direct impact and not knock-on effects. So this last winter the first couple days of Southwest flight issues were covered, but the weeks that followed were not.
Capital One (Venture X) only covers trip cancellation or interruption in two specific scenarios:
So they generally suck as #1 is rare and you can often get waiver from airline anyways and #2 is super super rare.
I wonder who has the best/worst; haven’t looked into Amex or Citi’s covered reasons.