Does your credit card’s travel insurance cover coronavirus cancellations? Here’s what American Express, Chase and others are telling customers.

Daxing international Airport in Beijing. Nicolas Asfouri/AFP via Getty Images
  • Travel insurance is a perk that many mid-tier and premium credit cards offer. It generally includes reimbursement for illness and other unexpected events before or during a trip.
  • As the coronavirus spreads around the world, the virus is upending flights, hotel reservations, and travel plans.
  • Business Insider asked major US credit card companies about their travel reimbursement policies if customers are impacted by the coronavirus.
  • See if your trip is covered by credit card travel insurance below.
  • Visit Business Insider’s homepage for more stories.

American Express travel insurance

American Express Platinum card. Crystal Cox/Business Insider

Here’s what American Express told Business Insider. (Note: responses have been edited for clarity.)

Which cards include trip cancellation and interruption insurance?

The Platinum Card® from American Express, the Business Platinum® Card from American Express, Corporate Platinum Card, Hilton Honours Aspire Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, and the Marriott Bonvoy Brilliant™ American Express® Card.

What should I do if my trip is impacted?

For these Card Members, if they incur a loss due to cancelled or interrupted travel, we encourage them to file a claim for assessment.

How do I know if my trip is eligible for reimbursement?

While we assess claims on a case by case basis, Trip Cancellation and Interruption Insurance may provide reimbursement of non-refundable travel expenses purchased with your eligible card of up to $US10,000 per trip.

What about extra fees associated with changing my plans?

We are also working with our airline and hotel partners to implement any fee waivers or support they may be offering to impacted travellers.

Additionally for Card Members who booked their travel with Amex Travel, they may be eligible for a one-time waiver for Amex Travel transaction fees on eligible trips.

We encourage Card Members who booked through Amex Travel to contact Amex Travel to explore options available to them.

Chase travel insurance

Chase Sapphire Preferred Crystal Cox/Business Insider

Here’s what Chase told Business Insider. (Responses have been edited for clarity.)

Which Chase cards provide trip cancellation/interruption insurance?

All Sapphire cards (the Chase Sapphire Preferred Card and the Chase Sapphire Reserve), United Club and United Presidential Plus, the World of Hyatt Credit Card, most IHG cards, the Ink Business Preferred Credit Card, and Ink Plus.

The Chase Freedom, United Explorer Card, and Starbucks card also include Trip Cancellation/Interruption insurance that covers non-refundable Common Carrier passenger fares (such as flights or a cruise.)

What if I become ill with the coronavirus?

As always, cardmembers and their travel companions whose illness prevents them from travelling are covered under the trip cancellation or trip interruption protections with their credit card. They will receive the same coverage if they’re quarantined.

What if my destination is impacted by the coronavirus?

We always want to help our customers. While the policy doesn’t explicitly cover this, we will work with our cardmember to help find solutions. If a cardmember has a question on their coverage, they can reach out to us.

What do I do if my trip might be impacted?

Cardmembers should check their benefit details for their card for specifics, or can reach out to Chase with questions.

While benefit coverage may not technically cover some of the instances currently causing concern, we will continue to work with our cardmembers to help find solutions to travel that might need to be modified.

Wells Fargo travel insurance

Wells Fargo credit cards with travel protection include the Visa Signature and Propel American Express card. REUTERS/Chris Keane

Business Insider asked Wells Fargo about specific coverage for people impacted by the coronavirus, either by illness or at their destination. Here’s the bank’s statement:

“The well-being and safety of our customers and team members are a top priority and we are following all public health guidance. While a number of our consumer credit cards – including Visa Signature® and Wells Fargo Propel World American Express® card – offer trip cancellation for trips booked using these cards, we encourage customers to refer to their associated credit card Guide to Benefits for more information on the travel insurance benefit.”

Citi travel insurance

Citi told Business Insider that it no longer offers trip insurance on its cards, and that trips booked on a card that previously offered insurance would have had to have been purchased before September 22, 2019.

Not covered? Here’s everything we know about airline cancellation policies

A passengers waits for a Delta Airlines flight. Robyn Beck/AFP via Getty Images

Here’s what you need to know about changing or cancelling your travel plans on airlines like Delta, American Airlines, United, Alaska, Air France, and others.