{"id":22118,"date":"2024-04-10T12:00:01","date_gmt":"2024-04-10T12:00:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=22118"},"modified":"2026-04-08T13:55:16","modified_gmt":"2026-04-08T13:55:16","slug":"trip-delay-insurance","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/trip-delay-insurance\/","title":{"rendered":"Which Credit Cards Have the Best Flight Delay Insurance? [2025]"},"content":{"rendered":"<p>Scanning photos of fellow award travelers reclining in first and business class, often paying just cents on the dollar for their seats, it\u2019s easy to forget that some of the best money-saving tips for travel have nothing to do with collecting points and miles.<\/p>\n<p>Nearly every rewards card features ancillary benefits ranging from <a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">purchase protection<\/a> and <a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">extended warranty coverage<\/a>\u00a0to <a target=\"_blank\" href=\"\/credit-cards\/roadside-assistance\/\" rel=\"noopener\">roadside assistance<\/a> and a slew of different <a target=\"_blank\" href=\"\/credit-cards\/travel-insurance\/\" rel=\"noopener\">travel insurance perks<\/a>. One of the most valuable (and widely used) of these benefits is trip delay reimbursement, which can cover your expenses in the event of a <a target=\"_blank\" href=\"\/airlines\/delayed-flight-compensation\/\" rel=\"noopener\">delayed or canceled flight<\/a>.<\/p>\n<p>Policies differ between credit card issuers, particularly regarding the length of the delay required before the coverage kicks in. However, coverage is activated for all providers if an overnight stay is required. So, how do you use trip delay reimbursement on a credit card, and which cards offer the best version? Let us show you.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Is_Trip_Delay_Reimbursement_and_How_Does_It_Work\">What Is Trip Delay Reimbursement and How Does It Work?<\/a><\/li><li><a href=\"#Credit_Cards_Offering_Trip_Delay_Protection\">Credit Cards Offering Trip Delay Protection<\/a><\/li><li><a href=\"#How_To_File_a_Trip_Delay_Claim\">How To File a Trip Delay Claim<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Is_Trip_Delay_Reimbursement_and_How_Does_It_Work\">What Is Trip Delay Reimbursement and How Does It Work?<\/span><\/h2>\n<p><strong>Trip delay protection reimburses you for expenses incurred due to a delayed or canceled flight, train, bus \u2014 virtually any land, air, or sea-based transport \u2014 designed to take you directly from point A to point B.<\/strong><\/p>\n<p>The length of the delay before coverage kicks in varies by provider, typically ranging between six and 12 hours. Policies provide up to $500 per person for a covered incident.<\/p>\n<p>Most trip delay policies cover meals and accommodation, along with any personal necessities that travelers may require due to the delay. While the coverage is different for each provider, covered delays can include:<\/p>\n<ul>\n<li>Equipment failure<\/li>\n<li>Extreme weather and natural disasters<\/li>\n<li>Lost or stolen passport or travel documents<\/li>\n<li>Labor strikes<\/li>\n<li>Unable to board because of overbooking<\/li>\n<li>Hijacking or skyjacking<\/li>\n<\/ul>\n<p>The covered events and the length of the delay before coverage kicks in vary widely between providers. Before choosing which card to use when booking travel, read the Guide to Benefits for each card to see which offers the best protection.<\/p>\n<p>It\u2019s important to note which cards require you to put the entire cost of the travel on the card to obtain coverage. Others require paying just a portion (for example <a target=\"_blank\" href=\"\/credit-cards\/insurance-and-perks-on-award-travel\/\" rel=\"noopener\">taxes and fees with the rest covered by points or miles<\/a>). This can have a big impact on which card to choose.<\/p>\n<h2><span id=\"Credit_Cards_Offering_Trip_Delay_Protection\">Credit Cards Offering Trip Delay Protection<\/span><\/h2>\n<p>The cards listed below aren\u2019t the only cards offering trip delay reimbursement as a benefit. However, they represent the cards offering what we see as the best coverage, providing better-than-average protection and plenty of value overall.<\/p>\n<p>Citi historically held the top spot, with the <a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" target=_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a> coverage kicking in after just a three-hour delay. However, <a target=\"_blank\" href=\"\/news\/credit-cards\/citi-benefits-changes-2019\/\" rel=\"noopener\">in 2019, Citi dropped trip delay coverage on all of its rewards cards<\/a>, including premium cards like the Prestige Card<a target=\"_blank\" href=\"\/blog\/link\/CitiPrestigeCard\" rel=\"noopener nofollow sponsored\"><\/a>. This change left the <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>  (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0ff8bae710c3f2fe771616324212775fd&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and <a data-ccid=\"2\" href=\"https:\/\/awardwallet.com\/credit-cards\/marriott-bonvoy\/ritz-carlton-card\/\" =_blank>The Ritz-Carlton\u2122 Credit Card<\/a> cards at the top, both covering delays of six or more hours.<\/p>\n<p>In a positive shift, Citi has now reintroduced trip delay protection with the rebranded <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), with the best policy for mid-tier cards. This marks the second Citi card to reintroduce this benefit. Additionally, in early 2020, Amex added trip delay coverage to some of its premium travel cards. Amex coverage is split into two tiers: ultra-premium cards like the <a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">American Express Platinum Card<sup>\u00ae<\/sup><\/a> receive the highest level of protection, while mid-tier cards receive second-tier coverage. <\/p>\n<p>\n<table id=\"tablepress-153\" class=\"tablepress tablepress-id-153 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Credit Card<\/th><th class=\"column-2\">Minimum Delay Required<\/th><th class=\"column-3\">Max Amount Covered<\/th><th class=\"column-4\">Annual Fee<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">American Express Platinum Card<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$895 (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$895 (<a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"152\" href=\"\/blog\/link\/BankOfAmericaPremiumRewardsEliteCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> Elite Credit Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$550<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048272\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Capital One Venture X Rewards Credit Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$395<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"5048345\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" rel=\"noopener nofollow sponsored\">Capital One Venture X Business<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$395<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0ff8bae710c3f2fe771616324212775fd&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$795<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve for Business\u2120<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$795<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$95<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048149\" href=\"\/blog\/link\/CR-DeltaReserveCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Delta SkyMiles<sup>\u00ae<\/sup> Reserve American Express Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$650 (<a data-ccid=\"4048149\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-reserve-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048102\" href=\"\/blog\/link\/DeltaReserveforBusinessCreditCard\" rel=\"noopener nofollow sponsored\">Delta SkyMiles<sup>\u00ae<\/sup> Reserve Business American Express Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$650 (<a data-ccid=\"4048102\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-reserve\/42732-9-0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048231\" href=\"\/blog\/link\/CR-MarriottBonvoyBrilliantAmericanExpressCard\" rel=\"noopener nofollow sponsored\">Marriott Bonvoy Brilliant<sup>\u00ae<\/sup> American Express<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$650 (<a data-ccid=\"4048231\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/marriott-bonvoy-brilliant-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Aspire Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$550(<a data-ccid=\"4048211\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-aspire-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$595<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3004054\" href=\"\/blog\/link\/CR-CitiAAdvantageExecutiveWorldEliteMasterCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$595<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><a data-ccid=\"255\" href=\"\/blog\/link\/CitiAAdvantageGlobeCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Globe\u2122 Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">6 hours<\/td><td class=\"column-3\">$500<\/td><td class=\"column-4\">$350<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p>Want to know your policy but can\u2019t find the Guide to Benefits for your credit card? Check out our <a target=\"_blank\" href=\"\/credit-cards\/guide-to-benefits-list\/\" rel=\"noopener\">master list of credit card benefits guides<\/a>.<\/p>\n<h2><span id=\"How_To_File_a_Trip_Delay_Claim\">How To File a Trip Delay Claim<\/span><\/h2>\n<p>To file a trip delay claim, you\u2019ll need to submit:<\/p>\n<ul>\n<li>Completed claim form<\/li>\n<li>Copy of your account showing the fare paid<\/li>\n<li>Copies of the travel tickets<\/li>\n<li>Statement from the carrier indicating why travel was delayed<\/li>\n<li>Receipts for all expenses<\/li>\n<li>Any other documentation required by your card provider<\/li>\n<\/ul>\n<p>Initial contact typically must be made within 60 days of the date of delay, with all requested documents returned within 120 to 180 days, depending on your provider. To initiate a trip delay claim, contact the relevant phone number below, or visit the listed website for your provider.<\/p>\n<ul>\n<li><strong>American Express: <\/strong>Call the Benefits Administrator on <strong>1-844-933-0648 <\/strong>to open a claim<strong>.<\/strong><\/li>\n<li><strong>Barclays: <\/strong>Visit <a target=\"_blank\" href=\"http:\/\/MyCardBenefits.com\" rel=\"noopener\">MyCardBenefits.com<\/a> or call <strong>1-800-Mastercard<\/strong> to open a claim.<\/li>\n<li><strong>Chase: <\/strong>Head to <a target=\"_blank\" href=\"http:\/\/eclaimsline.com\" rel=\"noopener\">eclaimsline.com<\/a> or call the Benefit Administrator at <strong>1-804-281-5772<\/strong> for information to file a claim.<\/li>\n<\/ul>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Trip delay reimbursement is one of the most valuable benefits offered by credit card providers, covering you for expenses incurred due to transport delays and cancellations. Each credit provider offers different coverage; you must look at the details of each card to figure out which is best for your scenario.<\/p>\n<p>Echoing reviews of other ancillary benefits we\u2019ve covered, Citi currently takes out the top spot for trip delay coverage with a policy covering delays of six hours or more with an affordable annual fee.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Almost every rewards card features ancillary benefits ranging from purchase protection and extended warranty coverage\u00a0to roadside assistance and a slew of different travel insurance perks. One of the most valuable (and widely used) of these benefits is trip delay reimbursement, which can cover your expenses in the event of a delayed or canceled flight.<\/p>\n","protected":false},"author":59,"featured_media":146801,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520],"coauthors":[36386],"class_list":["post-22118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits"],"acf":[],"yoast_head":"<title>Best Credit Cards for Flight Delay Insurance<\/title>\n<meta name=\"description\" content=\"If your trip is delayed, you might get select expenses like meals and a hotel covered if you paid for your trip with the right card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/trip-delay-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Which Credit Cards Have the Best Flight Delay Insurance? 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