What are the best credit cards that offer free travel insurance?

The Chase Sapphire Reserve card offers some of the most comprehensive travel insurance benefits, including up to $10,000 per person and $20,000 per trip for trip cancellation or interruption coverage.

The Platinum Card from American Express provides up to $2,000 per trip for trip cancellation and interruption coverage, as well as up to $10,000 per trip for trip delay reimbursement.

The Capital One Venture X Rewards Credit Card has no foreign transaction fees and offers up to $3,000 per person for trip cancellation or interruption coverage.

The Citi Prestige Card provides up to $5,000 per person for trip cancellation or interruption coverage, as well as up to $500 per day for trip delay reimbursement.

The Marriott Bonvoy Bold Credit Card offers up to $500,000 in coverage for accidental death or dismemberment during travel, despite having no annual fee.

The travel insurance benefits on most credit cards are underwritten by third-party insurance providers, not the card issuers themselves.

To qualify for free travel insurance coverage, cardholders typically need to use the credit card to pay for at least a portion of their travel expenses.

The coverage limits and exclusions can vary significantly between different credit card travel insurance policies, so it's important to read the fine print.

Some credit cards, like the Chase Sapphire Preferred, offer primary rental car insurance, which means the card's coverage kicks in before your personal auto insurance.

The travel insurance benefits on credit cards often have shorter eligibility periods, such as only covering trips of 60 days or less.

Credit card travel insurance policies may have specific requirements, like needing to purchase the entire travel fare with the card to be eligible for coverage.

In the event of a covered travel disruption, cardholders typically need to file a claim with the insurance provider, not the credit card issuer directly.