Credit Card Trip Delay, Cancellation, and Baggage Coverage
Trip delay and baggage
If a covered delay (often 6 or 12 hours, or overnight) strands you, trip delay coverage reimburses reasonable meals and lodging up to a per-day cap. Baggage delay covers essentials when your bag is late, and lost baggage covers its contents up to a limit. These are the benefits travelers use most often.
Trip cancellation and interruption
If you must cancel or cut short a trip for a covered reason, such as illness, injury, or severe weather, this reimburses your prepaid, non-refundable costs up to a cap. Covered reasons are specific, so read the terms; fear of travel or a change of plans is not covered.
How to claim
Pay for the flights, hotel, or tour with the eligible card, keep every receipt and any airline delay documentation, and file with the benefit administrator within the window. Coverage is usually secondary to airline compensation or other insurance. See our broader credit card travel insurance guide.
Frequently asked questions
Related reading
