Can my credit card’s travel insurance cover me to cancel due to Covid-19?

Certain credit cards with built-in Trip Cancellation benefits may cover you to cancel your trip if your physician tells you travel is not medically advisable and you notify your travel suppliers immediately.

In general, the Trip Cancellation benefits included by credit cards can cover you to cancel in the event a specified event prevents you from traveling, such as an illness, injury, or severe weather, among others. Choosing not to travel due to a global pandemic, such as Covid-19, or the fear of contracting a sickness is typically not covered.

However, select credit cards with Trip Cancellation benefits may cover you to cancel, as long as you speak with a licensed physician and they advise you not to travel. In this case, you must immediately notify all of your travel suppliers of the medical recommendation you received, such as your airline, hotel, cruise line, or tour provider, and then you can file your cancellation claim.

If you are covered by your credit card, you can be reimbursed for the trip payments you made on that card, up to the coverage limit. Depending on the card, there is typically a per person limit.

This information may vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET, seven days a week, and are delighted to help!