What your credit card may already cover

A lot of credit cards come with built in travel protections. That can include trip cancellation or interruption coverage, lost luggage reimbursement, rental car coverage, and emergency assistance. Check your card’s benefits guide, because most people have no idea what’s already included.

These built in protections usually come with limits. They might only cover a portion of your trip cost, exclude certain situations, or require you to book the whole trip on that card to qualify. Read the fine print before you assume you’re covered.

For my own trips, I sometimes purchase a plan through World Nomads Travel Insurance in  addition to any travel protection available through my credit card. Everyone’s situation is different, so it’s important to review available coverage and determine what works best for your needs. Always follow the policy wording, which can be found at wwww.worldnomads.com. I receive compensation when quotes are generated through my affiliate link.

On a trip to Germany, I planned to take a day-trip to Strasbourg, France. I had checked for pre-planned strikes before I left, but I had only searched for strikes impacting German transportation. On my trip, France experienced transportation strikes which canceled my train tickets to Strasbourg. 

I filed a claim with World Nomads for the train tickets I’d purchased in advance, and my claim was approved with reimbursement provided based on my coverage. As someone on a budget, this protection allowed me to quickly pivot my plans without stressing about my Finances.

World Nomads travel protection plans for U.S. residents offers coverage for more than 150 adventure activities and may include benefits for covered emergency medical expenses, lost baggage, trip cancellation, and more, depending on the plan selected. Terms, conditions, exclusions and limits apply.

Disclosure: I don’t represent World Nomads and am not licensed to provide insurance advice. I receive compensation when quotes are generated through my affiliate link. This content is for informational purposes only and is not a recommendation to purchase travel insurance. Coverage varies by policy. Terms, conditions, exclusions, and limits apply.