U.S. Bank Credit Card Travel Insurance Coverage (2024)

FAQs

Does U.S. Bank credit card have travel insurance? ›

The U.S. Bank credit card travel insurance works by offering a variety of protections, such as: travel accident insurance, trip cancellation and interruption, trip delay and lost luggage reimbursem*nt. To benefit from the coverage, you must use your eligible U.S. Bank credit card to purchase your trip.

Do all credit cards include travel insurance? While it would be ideal if all credit cards provided travel insurance benefits, this simply isn't the case. Travel rewards credit cards often offer insurance, though coverage limits and types of protections vary by card.

Auto Rental Collision Damage Waiver

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you're traveling, you can be covered!

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. Check your policy documents for details or contact your bank.

Worldwide travel insurance (inclusive of the USA) will cover medical expenses if you're ill or injured, if you lose your luggage and possessions, if you're a victim of crime, and if your trip is cancelled for any reason that's not your fault.

Detailed Review

It offers exceptional rewards on travel and gas, but only up to a $1,000 quarterly spending cap. It also earns a decent rewards rate in bonus categories like grocery stores, dining and eligible streaming services.

The most important thing to do — even before you book your trip — is to read your credit card's certificate of insurance. You'll get this certificate when you get your credit card. You can usually find a link to it on your credit card provider's website.

You usually have to 'activate' the insurance policy. Before you choose to go with the free option, make sure to confirm how to activate it with your bank. Don't assume it's activated. You could find yourself overseas without insurance when you need it.

The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others. Not being able to travel as planned is a major concern among travelers.

U.S. Bank will credit your FlexPerks Business Travel Rewards Account with one (1) FlexPoint for every $1 in Net Purchases. FlexPoints will be awarded as long as your Account is open and not 5 days or more past due at the close of your billing period.

How good is the U.S. Bank? ›

We've researched more than 100 banks and credit unions, and we give U.S. Bank 4 out of 5 stars overall. It earns higher scores for its banking accessibility — including thousands of branches and free ATMs — as well as for offering high-yield CDs and multiple checking and money market accounts.

It includes coverage for events like air accidents, hospitalisation due to accidents, travel-related incidents, lost Card liability, purchase protection, credit shield for outstanding dues in case of disability or demise, counterfeit Card usage, etc.

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

Travel insurance is optional, so you don't always need to buy it. But the right insurance plan could help you avoid expenses associated with illness, injury, or the cancellation of a flight.

When you pay the full price of your tickets with your valid and active Visa card, you, your spouse and dependent children under 23 years of age are each automatically covered for prepaid travel and/or lodging expenses that are not recoverable if a covered trip is cancelled due to serious illness or injury, or due to ...

Yes, U.S. Bank does pay for TSA PreCheck with certain credit cards. Eligible U.S. Bank cardholders can get up to $100 as a statement credit toward TSA PreCheck every 4 or 5 years, depending on the card, as long as they pay for the TSA PreCheck program costs with their U.S. Bank card.

When you pay the full price of your tickets with your valid and active Visa card, you, your spouse and dependent children under 23 years of age are each automatically covered for prepaid travel and/or lodging expenses that are not recoverable if a covered trip is cancelled due to serious illness or injury, or due to ...

Yes, cards issued by U.S. Bank can be used in most foreign countries. If you're planning to travel and want to use your card, let us know. This will help reduce declined transactions on your trip.