What your credit card may already cover before you buy anything extra

Away Mode ยท Last reviewed 2026-10-08

Before you buy any trip cover, find out what you already have. Some credit cards include travel benefits, and many cardholders never look.

What a survey found

A 2023 WalletHub consumer survey, reported by TravelPulse, found that 41% of respondents want trip delay or cancellation insurance from their credit card, one of the most wanted benefits it asked about. It also found that nearly half of Americans believe they do not take full advantage of their card's benefits. TravelPulse does not state the survey's sample size, so read it as a rough signal, not a measurement.

How to read your own benefits

  1. Find the guide to benefits. The card issuer publishes one for each card, usually on its website or in your online account. The marketing page is not the same thing.
  2. Check which card paid. Many benefits apply only if you paid for the trip, or part of it, with that card.
  3. Look for limits and exclusions. Amounts, which events are covered, how many days of delay it takes to qualify, and what proof the issuer wants.
  4. Note whether cover is primary or secondary. It changes whether you must claim elsewhere first.
  5. Save the claim steps now. Phone number, deadline and the documents to keep (receipts, delay letter from the airline).

We do not state any card's terms. They change, differ by card tier and are the issuer's to explain. If something in your guide is unclear, ask the issuer.

Then decide what is left

Once you know what your card covers, you can see what, if anything, is still worth buying. That is your call and we are not recommending a product here.

Open Away Mode

Sources