Best Credit Cards With Complimentary Travel Insurance Coverage (2020)

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Citibank’s air miles cards allow you to earn miles that don’t expire, plus, you get complimentary travel insurance automatically upon full airfare charge. The underwriter is AIG.

It covers principle or supplementary cardmembers up to $1,000,000. And children get coverage up to $50,000. The complimentary travel insurance also covers medical & accidental dental expenses up to $40,000 per cardholder and $20,000 per accompanying dependent children.

You also get compensation for baggage loss, baggage delay, flight delay, trip interruption and trip cancellation.

Other cards that are entitled to automatic travel insurance are: Citi PremierMiles AMEX, Citi Prestige and Citi ULTIMA. Citi Cash Back Visa Signature and Citi Rewards Visa Signature Card also get complimentary travel insurance, but it’s not automatic and you need to activate it.

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DBS Altitude is a popular entry-level air mile credit card that offers automatic travel insurance. The underwriter is Chubb. You and your spouse are covered for up to S$1 million, while children are covered for up to $250,000 for events occured on your flight or coach.

Take note that if you redeem air miles for your trip, you will not be entitled to the complimentary travel insurance.

Their travel insurance coverage also includes terrorism and disappearance extensions, which are unique extensions not commonly included in credit card travel insurance plans.

Other cards that get complimentary travel accident insurance from DBS include DBS American Express Black, DBS Takashimaya American Express Platinum, DBS Altitude American Express Card and DBS Altitude VISA Signature Card.

Flight delay is compensated at $400 per person while baggage delay is compensated at $400 per person.

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UOB travel insurance covers up to $500,000 for cardmembers only, with no stated coverage for baggage loss, travel delay, trip cancellation or flight delay. The underwriter is United Overseas Insurance (UOI).

Other cards offered by UOB with travel insurance included are: UOB Visa Signature, UOB ONE Visa Signature, UOB Preferred Platinum American Express, UOB PRVI Miles American Express, UOB PRVI Miles World Mastercard, UOB PRVI Miles Visa & UOB YOLO.

Purchase your travel tickets with your Card and receive free Travel Inconvenience & Travel Accident Benefits of up to S$350,000.

Missed connection, luggage delay are compensated at $200 per cardmember/family (max 2 pax) and baggage loss is compensated at $500 per cardmember/family (max 2 pax).

OCBC 365 travel insurance covers up to $200,000 per person. It’s complimentary for OCBC 365 Principal and Supplementary cardmembers. The underwriter is Great Eastern.

The capital sum assured per person for OCBC 365 is $200,000, which is a fraction of what DBS and Citibank cards offer. Having said that, the complimentary travel insurance policy is quite comprehensive in that they provide extensions for terrorism, exposure and disappearance.

Online Promotion: Free return flight ticket - min spend of S$600

CIMB Visa is a cashback card that offers complimentary travel insurance up to $500,000 for cardholder and spouse each and $25,000 for each dependent child.

Baggage loss, baggage delay, trip cancellation flight delay are also compensated at amounts of “up to $300” to “up to $500”. The underwriter is SOMPO Insurance.