Credit Card Programs - What card gives you best insurance / peace of mind when traveling?

So many of the conversations here have centered around the best bang-for-the-buck re: points and cash back, but I'm getting old and risk-averse and now getting more interested in peace of mind :-)

For instance, I'm finding it a bit overwhelming trying to decide which cards to charge, say, airline tickets or hotel reservations to. Which cards, in your opinion, can best offer:

Support/reimbursements re: delayed or lost luggage
Help when you're stranded at the airport (leverage with airlines to get you on the next flight out, reimbursement for hotel costs, etc.)
Support when your hotel is overbooked
Other support or reimbursements that I've not listed above


I started thinking about this because, for example, on a $3000 itinerary, the difference between 1% (e.g., Amex Platinum) and 2% (e.g., Chase Sapphire Preferred) cash back / rewards points is a mere $30... and I imagine that -- even just statistically speaking -- I may be much better off with greater protections vs. that extra cash.

Eager to hear your thoughts on this!

JP Morgan Palladium Card

Complete benefit guide: http://cdn.nerdwallet.com/blog/PalladiumRewardsBrochure.pdf

Emergency Evacuation and Transportation Coverage (up to $100,000)

Travel Accident Insurance (up to $1,000,000)

Trip Cancellation/interruption Insurance (up to $5,000)

Emergency medical and Dental Coverage (up to $2,500)

Trip delay Reimbursement (up to $300)

Baggage delay (up to $500)

Lost Luggage Reimbursement ( up to actual value )

Hotel Burglary insurance ( up to $1000)

Ragnarok, thanks! Have you actually had occasion to use the card for any of that, and if so, was it easy to access the benefits?

Primary discussion thread is here:

http://www.flyertalk.com/forum/credit-card-programs/1089511-jp-morgan-palladium-card.html

Note that this card requires a substantial banking relationship with Chase.

So, how about we repeat the OP's question, but limited to cards that are publicly available?

So, how about we repeat the OP's question, but limited to cards that are publicly available?

JP Morgan Palladium card is available to anyone who wants to become a private banking of Chase private client customer. No different than how some credit unions allow anyone to join if they meet certain requirements, such as joining a PTA or group like the National Space Society.

The benefits are also available to the JP Morgan Select Card
$95 Annual fee, much easier to apply, ( you can even request a product change from the Sapphire Preferred )

As for whether it is easy to access the benefits, I haven't have experience with them yet.

For benefits that are of reimbursement nature, I believe you will simply buy what you need during the trip / baggage delay , retain documentation and file a claim with Chase afterwards.

The benefits are also available to the JP Morgan Select Card

Discussion here:

http://www.flyertalk.com/forum/credit-card-programs/1256202-j-p-morgan-select-visa-signature.html

Hmm, I have to say I'm a bit surprised to only hear about the JP Morgan card in this thread. I expected more feedback re: the Amex Platinum and Chase Sapphire Preferred cards. Sure, those are two I happen to have, but I figured they were pretty popular ;-)

No one else has experiences with travel-related reimbursements or benefits from various credit cards other than the JPM one? :o

Hmm, I have to say I'm a bit surprised to only hear about the JP Morgan card in this thread. I expected more feedback re: the Amex Platinum and Chase Sapphire Preferred cards. Sure, those are two I happen to have, but I figured they were pretty popular ;-)

The Chase Sapphire Preferred has the followings:

Trip Cancellation/interruption Insurance (up to $5,000)

Trip delay Reimbursement (up to $300)

Baggage delay (up to $100/day, up to 5 days)

Lost Luggage Reimbursement ( up to $3000 )

USA issued American Express cards provide only a few travel insurance benefits.

http://exploreplatinum.americanexpress.com/Benefits/AllBenefits

Global Assist Hotline (https://www295.americanexpress.com/cards/platinum/benefit.do?benefitTemplate=template_b&benefitId=premiumglobalassisthotline&intlink=US:PlatinumBenefits:AllBenefits:PremiumGlo balAssist:LearnMore)

Baggage Insurance Plan (https://www295.americanexpress.com/cards/platinum/benefit.do?benefitTemplate=template_b&benefitId=baggageinsurance&intlink=US:PlatinumBenefits:AllBenefits:BaggageIns urancePlan:LearnMore)

Note that this does not cover delayed baggage:

You can get a combined maximum of $3,000 for lost, stolen or damaged carry-on and checked baggage. Of that combined maximum, the maximum benefit for checked baggage is up to $2,000 in excess of common Carrier's Coverage

Thanks! I've updated my Credit Card matrix here with the info you shared:
http://j.mp/ccmatrix

Feel free to add/edit any of the stuff on there yourself, too, so we can make this more up-to-date and complete :)

JP Morgan Palladium Card

Complete benefit guide: http://cdn.nerdwallet.com/blog/PalladiumRewardsBrochure.pdf

Emergency Evacuation and Transportation Coverage (up to $100,000)

Travel Accident Insurance (up to $1,000,000)

Trip Cancellation/interruption Insurance (up to $5,000)

Emergency medical and Dental Coverage (up to $2,500)

Trip delay Reimbursement (up to $300)

Baggage delay (up to $500)

Lost Luggage Reimbursement ( up to actual value )

Hotel Burglary insurance ( up to $1000)

repatriation of remains too.

repatriation of remains too.

I was just going to add that... it's one of my favorite unsung benefits.

I was just going to add that... it's one of my favorite unsung benefits.

I imagine for someone in such a situation having experts help with (and cover most (some?) of the cost) it can be a godsend.

I imagine for someone in such a situation having experts help with (and cover most (some?) of the cost) it can be a godsend.

I suppose I as the cardholder will not know, in such a case. And I probably won't be able to post about it afterwards on FT.