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Which Premium Credit Cards Have You Covered When Severe Weather Cancels Your Trip?

When charging travel on a credit card, you may be covered for weather-related cancellations under implicit trip cancellation and trip interruption insurance policies.

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Which Premium Credit Cards Have You Covered When Severe Weather Cancels Your Trip
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Travel plans seem to have been interrupted more than ever this hurricane season—and it’s only half over! We’ve already seen the devastation caused by Harvey, and Irma’s still taking her toll on the travel world. While most airlines have offered change fee waivers, there’s often more to a trip than just the flight. Travelers no longer able to take their previously scheduled trips due to severe weather are wondering what type of reimbursements they can receive. Under occurrences of inclement weather, airlines and travel agencies aren’t responsible for reimbursing your ticket costs in cash, so who is?

Similar to our exploration into trip cancellation and trip interruption during cases of airline insolvency, we’ve combed over the fine print of various credit cards’ Guide to Benefits and contacted the benefits’ centers to find out what kind of coverage kicks in during severe weather (e.g., hurricanes). Below, the summary of our findings on trip cancellation and trip interruption protection provided by the nine core cards featured on Credit Card Pro, in order from best to worst.

 

BEST Chase Sapphire Preferred® and Chase Sapphire Reserve®

When charging pre-paid travel, tours, or vacations to either of the Chase Sapphire cards, the implicit trip cancellation and trip interruption insurance policies compensate loss from “severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip.” Coverage is provided up to $10,000 per trip.

Citi Prestige® Card
When charging pre-paid travel, tours, or vacations to the Citi Prestige® Card, the implicit trip cancellation and trip interruption insurance policies compensate loss when “severe weather or natural disaster causes all travel to or from the Covered Traveler’s Trip destination to stop for at least 24 hours.” The card also covers when “the Covered Traveler(s) misses a cruise or tour departure because all common carrier travel to or from their destination is cancelled or delayed at least 3 hours due to severe weather or a problem with the common carrier.” Coverage is provided up to $5,000 per trip.

Luxury Cards: Mastercard® Black Card™, Mastercard® Gold Card™, Mastercard® Titanium Card™
When charging a trip to any of the three Luxury Cards, the implicit trip cancellation and trip interruption insurance policies compensate loss from “inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a trip (A person must cancel their entire trip because severe weather or a natural disaster causes all travel to or from their destination to stop for at least 24 hours).” Coverage is provided up to $5,000 per trip. Note: As this is a new benefit with the Luxury Cards, it applies to purchases made on or after August 9, 2017.

WORST U.S. Bank Altitude Reserve Visa Infinite® Card
When charging travel to the U.S. Bank Altitude Reserve Visa Infinite® Card, the implicit trip cancellation and trip interruption insurance policies do not cover loss due to weather conditions. Expected coverage is $0 per trip.

WORST American Express Platinum and Gold Cards
When charging airline tickets to American Express’ premium cards, no form of trip cancellation and trip interruption insurance is offered. With all American Express cards, expected coverage is $0 per trip.

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Award-winning travel writer and economist Paul Rubio is a credit card enthusiast, whose sophisticated use of points and rewards has helped him travel to 125 countries for free. Paul is a Harvard graduate with a master’s degree in public administration and a master’s degree in economics. He also holds a bachelor’s degree from Boston University with a double major in economics and environmental policy and a minor in conservation biology. He attended both undergraduate and graduate schools on full scholarships. Paul worked in the field of wildlife conservation before embracing his writing talents full-time in 2008. Since then, he has won more than two dozen national awards for his exemplary work in travel journalism. The prolific writer contributes to a number of top-tier international, national, and regional publications including Condé Nast Traveler, Fodors.com, Palm Beach Illustrated, Private Clubs, and Robb Report.