 TITLE: Understanding Credit Card Insurance Protection CONTENT: Credit Cards With the Best Insurance Offerings\n----------------------------------------------\nHere are a few credit cards that offer insurance plus some other appealing perks.\n*   **Chase Sapphire Preferred® Card**: You don't have to be a world traveler to benefit from the Chase Sapphire Preferred® Card. This card offers trip delay insurance, baggage reimbursement of up to $3,000 per person per trip for lost luggage, trip cancellation and interruption insurance of up to $20,000 per trip or $40,000 per year, and rental car insurance. The card also offers solid travel and dining rewards with flexible redemption options. Whether at home or on the road, you'll also enjoy an extra year's warranty and purchase protection up to $500 that covers theft and damage on qualifying purchases within 120 days of purchase. The APR is 15.99% to 22.99% variable depending on your credit. The annual fee is $95.\n*   **Capital One Venture Rewards Credit Card**: Another option is the Capital One Venture Rewards Credit Card. Earn a one-time intro bonus of 60,000 miles once you spend $3,000 on purchases within 3 months, plus unlimited 2 miles per dollar on every purchase. There's a $95 annual fee and a variable APR of 17.24% to 24.49% depending on your credit.  \n    On the road, you'll appreciate the rental car collision insurance, 24-hour travel assistance to replace a lost or stolen card, and travel accident insurance that kicks in automatically when you use the card to purchase your fare. The card also includes an appealing purchase-related protection in the form of an extended warranty on eligible items. You'll also have access to concerts, sporting events and premier dining experiences, as well as online shopping tools Paribus and Wikibuy, which help you find the best prices on online purchases.\n*   **Wells Fargo Visa Signature® Card**: Even before you consider the insurance features, there's a lot to like about this card: no annual fee, flexible rewards points and a 0% introductory APR on purchases and balance transfers for 15 months. (After that, your APR will be 12.49% to 25.49% variable.) The Wells Fargo Visa Signature® Card also boasts plenty of insurance benefits, including trip cancellation insurance, lost luggage reimbursement, 24\/7 travel and emergency assistance, roadside dispatch service and rental car collision coverage. Travel confidently with up to $1 million in coverage for accidents while on a plane, ship or train trip paid for with your card.  \n    You can shop confidently, too, with purchase protection for the first 90 days, price protection for 60 days, and one year of extended warranty protection on eligible purchases. The Wells Fargo Visa Signature Card includes cellphone insurance and 24\/7 concierge services.\nAdditional Credit Card Perks\n----------------------------\nIn addition to insurance features, many credit cards offer other perks you may not be aware of. These include:\n*   **Emergency travel assistance**: If you get sick, injured or involved in a legal tangle on a trip, many credit cards provide emergency travel assistance. This can include medical, legal and transportation assistance or referrals; help replacing lost eyeglasses, passports or prescriptions; or even getting messages to your family in an emergency.\n*   **Roadside assistance**: If your car or rental car runs out of gas or breaks down on the road, your credit card may offer roadside assistance to help. Some roadside assistance programs just send help; others also cover some or all of what it costs to help you out.\n*   **Access to special events**: Some credit cards give you access to preferred seating or presale tickets for concerts, sporting events, plays or elite experiences such as gourmet food or wine tastings.\n*   **Concierge services**: If your life is hectic, a credit card that includes concierge services can help. Concierge services can assist in planning trips, score you reservations at hot-spot restaurants or tickets to events, and even help buy and ship birthday gifts.\n*   **ShopRunner membership**: If you frequently shop online, you'll appreciate a credit card that gives you complimentary membership to ShopRunner. Normally $79 annually, this service offers unlimited free two-day shipping, free return shipping, discounts and more.\nDo You Need a Credit Card With Insurance?\n-----------------------------------------\nInsurance benefits alone aren't a reason to choose one credit card over another. However, insurance can be a valuable perk, especially if you travel frequently and would like a little peace of mind when planning a trip. Looking for credit cards with travel and purchase insurance coverage can take a bit of legwork, but if you ever need to make a claim, the rewards can be worth the effort. END