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The seven protections
What each built-in benefit does, what to check in your Guide to Benefits, and which cards list it.
Trip cancellation & interruptionReimburses pre-paid, non-refundable trip costs when a covered reason stops you from going or cuts the trip short.
Trip delayPays for meals, lodging and essentials when a common carrier delays you past a set number of hours.
Baggage delayReimburses essentials like toiletries and clothes when your checked bag shows up late.
Lost or damaged baggagePays to repair or replace bags that a carrier loses, damages or that are stolen, on top of what the carrier pays.
Rental car collision damage (CDW)Covers theft of or damage to a rental car when you decline the rental company’s collision damage waiver (CDW).
Travel accident insurancePays a lump sum for accidental death or dismemberment while traveling on a common carrier paid with the card.
Emergency evacuation & medicalEvacuation coverage pays to move you to care; medical coverage pays treatment bills. Most cards offer neither, or only a help line.
Trip delayPays for meals, lodging and essentials when a common carrier delays you past a set number of hours.
Baggage delayReimburses essentials like toiletries and clothes when your checked bag shows up late.
Lost or damaged baggagePays to repair or replace bags that a carrier loses, damages or that are stolen, on top of what the carrier pays.
Rental car collision damage (CDW)Covers theft of or damage to a rental car when you decline the rental company’s collision damage waiver (CDW).
Travel accident insurancePays a lump sum for accidental death or dismemberment while traveling on a common carrier paid with the card.
Emergency evacuation & medicalEvacuation coverage pays to move you to care; medical coverage pays treatment bills. Most cards offer neither, or only a help line.