Compare cards' trip cancellation, trip interruption policies

The content on this page is accurate as of the posting date. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs.

Are you covered if you have to cut your vacation short or cancel it altogether? Before taking out travel insurance, see whether your credit card has policies to reimburse some of the cost of your failed travel plans. Below is a list of some credit cards and their coverage policies for trip cancellation and interruption.

See companion article: “Trip canceled? Your credit card may reimburse you.”

Credit card trip cancellation, trip interruption policies

Card name / (APR) Annual fee Reimbursement limit
Barclaycard Arri"3val Plus World Elite Mastercard
(16.99%, 20.99% and 23.99%)
$89; waived for first year $1,500
In the event of the insured person’s trip cancellation or trip interruption, we will pay up to the trip cancellation or trip interruption benefit amount of $1,500. The trip cancellation or trip interruption of the insured person must be caused by or result from death, accidental injury, disease or physical illness of the insured person or an immediate family member of the insured person, or default of the common carrier resulting from financial insolvency.
Chase Sapphire Reserve
(16.99% to 23.99%)
$450 $10,000 per trip for prepaid nonrefundable travel expenses
If trip is canceled or cut short by sickness, severe weather and other covered situations, reimbursement will be made for prepaid, nonrefundable travel expenses, including passenger fares, tours and hotels.
Chase Sapphire Preferred
(16.99% to 23.99%)
$95; waived for first year $10,000 per trip for prepaid, nonrefundable travel expenses
If trip is canceled or cut short by sickness, severe weather and other covered situations, reimbursement will be made for prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels.
Citi Double Cash
(14.49% to 24.49%)
$0 $5,000 per traveler per trip

If the trip is cut short for:

  • illness or injury of the cardholder, someone in the cardholder’s immediate family or the cardholder’s pet
  • death of the cardholder or someone in the cardholder’s immediate family
  • the cardholder loses their job
  • the cardholder has jury duty or is subpoened which cannot be waived or postponed.
  • the cardholder or someone in the ’s immediate family is called to active military duty
  • the cardholder or someone in the cardholder’s immediate family’s permanent residence is deemed unsafe or unfit to live in or is buglarized
  • the cardholder or someone in the cardholder’s immediate family is a victim of assault within 10 days of the departure date
  • severe weather or natural disaster causes all travel to or from the the cardholder’s destination to stop for at least 24 hours
  • a mandatory evacuation is ordered by a government or public safety agency at the cardholder’s destination
  • a terrorist incident certified by a government agency occurs in the cardholder’s destination
  • any prepaid travel, tour or vacation purchases made in full or at least a portion of the cost of such arrangements by the Citi card will be reimbursed up to the limit.
Citi Executive/AAdvantage World Elite MasterCard
(16.74% to 24.74%)
$450 $5,000 per traveler per trip
If trip is cut short for:
  • illness of the cardholder, someone in the cardholder’s immediate family or the cardholder’s pet
  • injury of the cardholder, someone in the cardholder’s immediate family or the cardholder’s pet
  • death of the cardholder or someone in the cardholder’s immediate family
  • the cardholder was laid off from their job 
  • the cardholder has jury duty or is subpoened which cannot be waived or postponed
  • the cardholder or someone in the cardholder’s immediate family is called to active military duty
  • the cardholder or someone in the cardholder’s immediate family’s permanent residence is deemed unsafe or unfit to live in or is buglarized 
  • the cardholder or someone in the cardholder’s immediate family is a victim of assault within 10 days of the departure date
  • severe weather or natural disaster causes all travel to or from the the cardholder’s destination to stop for at least 24 hours
  • a mandatory evacuation is ordered by a government or public safety agency at the cardholder’s destination
  • a terrorist incident certified by a government agency occurs in the cardholder’s destination
any prepaid travel, tour or vacation purchases made in full or at least a portion of the cost of such arrangements by the Citi card will be reimbursed up to the limit.
Citi Prestige
(16.74% to 24.74%)
$450 $5,000 per traveler per trip

Trip cancellation and interruption coverage begin on the trip departure date and end on trip completion date. Covered reasons include:

  • personal illness or injury with advisement by licensed medical professional not to travel.
  • medical advisory issued by a health or government agency that directly affects trip destination.
  • family member or pet with injury or illness that is either life threatening or requires care from licensed medical/veterinary professional (respectively). 
  • death of traveler or family member.
  • job loss.
  • jury duty or court subpoena.
  • traveler or family member called into active military service. 
  • traveler’s or family member’s permanent resident is deemed unsafe to live in or is burglarized.
  • traveler or family member is victim of assault within 10 days of departure.
  • severe weather or natural disaster that causes travel to or from destination to stop for 24+ hours.
  • quarantine or hijacking.
  • traveler misses more than half the trip due to missed connections, delayed departures, denied boarding, traffic accidents on their way to a departure.
  • lost or stolen passports.
  • cruise or tour operator cancels or postpones a prepaid event or activity and reschedules for a time during which the traveler cannot participate.
  • mandatory evacuation ordered by government or public safety agency.
  • terrorist incident certified by government agency occurs at destination.
Citi Platinum Select AAdvantage World Mastercard
(16.74% to 24.74%)
$95; waived for first 12 months $5,000 per covered traveler per trip

Trip cancellation and interruption coverage begin on the trip departure date and end on trip completion date. Covered reasons include:

  • the covered traveler(s) becomes sick or injured, and is advised by a licensed medical practitioner not to travel.
  • the covered traveler’s family member, not traveling on the trip, has an injury or illness that is either life threatening or requires care from the covered traveler(s) and is verified by a licensed medical practitioner.
  • the covered traveler’s pet has an injury or serious illness that is either life threatening or requires care and is verified by a licensed veterinarian. Pet means any domesticated or tamed animal that is kept as a companion and cared for affectionately
  • the covered traveler’s family member, not traveling on the trip, dies.
  • the covered traveler’s or the covered traveler’s family member is called into active military service.
  • the covered traveler or the the covered traveler’s family member’s permanent residence is deemed unsafe or unfit to live in, or is burglarized.
  • the covered traveler or the covered traveler family member is the victim of an assault within 10 days of the trip departure date.
  • severe weather or natural disaster causes all travel to or from the covered traveler’s trip destination to stop for at least 24 hours.
  • a mandatory evacuation is ordered by a government or public safety agency at the covered traveler’s trip destination.
  • a terrorist incident certified by a government agency, occurs in the covered traveler’s trip destination.

Citi ThankYou Preferred
(14.49%-24.49%)

$0 $3,000 per covered traveler per trip
Trip cancellation and interruption coverage begin on the trip departure date and end on trip completion date. Covered reasons include:
  • the covered traveler(s) becomes sick or injured, and is advised by a licensed medical practitioner not to travel.
  • the covered traveler’s family member, not traveling on the trip, has an injury or illness that is either life threatening or requires care from the covered traveler(s) and is verified by a licensed medical practitioner.
  • the covered traveler’s pet has an injury or serious illness that is either life threatening or requires care and is verified by a licensed veterinarian. Pet means any domesticated or tamed animal that is kept as a companion and cared for affectionately.
  • the covered traveler dies.
  • the covered traveler’s family member, not traveling on the trip, dies.
  • the covered traveler’s or the covered traveler’s family member(s) is called into active military service.
  • the covered traveler or the the covered traveler’s family member’s permanent residence is deemed unsafe or unfit to live in, or is burglarized.
  • the covered traveler or the covered traveler family member is the victim of an assault within 10 days of the trip departure date.
  • severe weather or natural disaster causes all travel to or from the covered traveler’s trip destination to stop for at least 24 hours
  • a mandatory evacuation is ordered by a government or public safety agency at the covered traveler’s trip destination.
  • a terrorist incident certified by a government agency, occurs in the covered traveler’s trip destination.

Citi ThankYou Premier
(15.49% to 24.49%)

$95, waived for the first year


$5,000 per covered traveler per trip 

Trip cancellation and interruption coverage begin on the trip departure date and end on trip completion date. Covered reasons include:

  • the covered traveler(s) becomes sick or injured, and is advised by a licensed medical practitioner not to travel.
  • the covered traveler’s family member, not traveling on the trip, has an injury or illness that is either life threatening or requires care from the covered traveler(s) and is verified by a licensed medical practitioner.
  • the covered traveler’s pet has an injury or serious illness that is either life threatening or requires care and is verified by a licensed veterinarian. Pet means any domesticated or tamed animal that is kept as a companion and cared for affectionately
  • the covered traveler dies.
  • the covered traveler’s family member, not traveling on the trip, dies.
  • the covered traveler’s or the covered traveler’s family member(s) is called into active military service.
  • the covered traveler or the the covered traveler’s family member’s permanent residence is deemed unsafe or unfit to live in, or is burglarized.
  • the covered traveler or the covered traveler family member is the victim of an assault within 10 days of the trip departure date.
  • severe weather or natural disaster causes all travel to or from the covered traveler’s trip destination to stop for at least 24 hours.
  • a mandatory evacuation is ordered by a government or public safety agency at the covered traveler’s trip destination.
  • a terrorist incident certified by a government agency, occurs in the covered traveler’s trip destination.
Hyatt Credit Card Chase
(16.99%-23.99%)
$75 $5,000 per trip for your prepaid, nonrefundable travel expenses

The cardholder can be reimbursed for the prepaid, nonrefundable travel expenses, including passenger fares, tours and hotels if trip is canceled or cut short by:

  • accidental bodily injury.
  • loss of life, or sickness experienced by you, a traveling companion, or an immediate family member of you or a traveling companion.
  • severe weather, which prevents a reasonable and prudent person from beginning or continuing on a covered trip.
  • change in military orders for you, your spouse, or your domestic partner.
  • a terrorist action or hijacking.
  • a call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived.
  • finding your or your traveling companion’s dwelling to be uninhabitable.
  • quarantine imposed by a physician for health reasons.
  • financial insolvency of the travel agency, tour operator, or travel supplier whose services you booked.
Marriott Rewards Premier Visa Signature Chase
(16.99% to 23.99%)
$85 $5,000 per trip
If a trip is canceled or cut short by sickness, severe weather and other covered situations, the cardholder can be reimbursed for the prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels. Additional information is given to cardholders only.
The Ritz-Carlton Rewards Card Chase
(16.99% to 23.99%)
$450 $10,000 per trip
If a trip is canceled or cut short by sickness, severe weather and other covered situations, the cardholder can be reimbursed for the prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels. Additional information is given to cardholders only.
United MileagePlus Club Card Chase
(16.99% to 23.99%)
$450 $10,000 per trip
If a trip is canceled or cut short by sickness, severe weather and other covered situations, the cardholder can be reimbursed for the prepaid, nonrefundable travel expenses, including passenger fares, tours and hotels. Additional information is given to cardholders only.
United MileagePlus Explorer Card Chase
(16.99% to 23.99%)
$95; waived for first year $10,000 per trip
If a trip is canceled or cut short by sickness, severe weather and other covered situations, the cardholder can be reimbursed for the prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels. Additional information is given to cardholders only.
Wells Fargo Propel World American Express
(14.24% to 26.24%)
$0 $5,000 per person per trip for nonrefundable amount paid
Reimbursement is issued for the cost of a scheduled airline passenger fare for a covered trip in the event that the trip must be canceled or interrupted. It must be caused by or result from: 1) death, accidental injury, disease, or physical illness of the insured person or an immediate family member of the insured person; or 2) default of the scheduled airline resulting from financial insolvency. The death, accidental injury, disease or physical illness must be verified by a physician and must prevent the insured person from traveling on a covered trip.
Wells Fargo Visa Signature
(0% for 12 months, after that, 13.15% to 26.99%)
$0 $2,000 of a nonrefundable amount
Reimbursement is issued for the cost of a scheduled airline passenger fare for a covered trip in the event that the trip must be canceled or interrupted. It must be caused by or result from: 1) death, accidental injury, disease, or physical illness of the insured person or an immediate family member of the insured person; or 2) default of the scheduled airline resulting from financial insolvency. The death, accidental injury, disease, or physical illness must be verified by a physician and must prevent the insured person from traveling on a covered trip.
Source: CreditCards.com research, December 2017

See related:  Does your credit card cover flight delay costs?


Join the discussion
We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.




Weekly newsletter
Get the latest news, advice, articles and tips delivered to your inbox. It's FREE.


Updated: 08-17-2018