 TITLE: How Your Credit Cards Can Protect Your Holiday Purchases CONTENT: Travel-Related Insurance and Benefits\n-------------------------------------\nHoliday travel will certainly be different this year. The [Travelocity 2020 Holiday Outlook survey](;afflid=f9d3239e3b700bc6627e7bdbc9bc7e55&cjevent=6ab19f55188811eb80ff006b0a1c0e0c) found 60% of people don't plan on traveling to visit family or friends this year. If you're part of the 40% who will—or you're simply planning a trip to get out of the house—then a credit card's travel insurance and benefits could be important. The coverages may include:\n*   **Rental car collisions and damage coverage**: A rental car collision damage waiver covers damage to and theft of a rental car, but it doesn't cover liability claims, such as damage to other vehicles or property. Depending on the card, the coverage may be secondary to your auto insurance policy, if you have one.\n*   **Travel accident insurance**: An insurance benefit that you hope to never use, travel accident insurance may help cover medical expenses if you or a family member is killed or seriously injured (such as a lost limb or eyesight) on your trip. The insurance is also called accidental death and dismemberment insurance.\n*   **Trip cancellation and interruption coverage**: This insurance benefit may reimburse you for nonrefundable expenses if you have to cancel your trip or end it early due to injury, illness or death of the cardholder, a family member or someone on the trip. It may also cover cancellations and interruptions due to severe weather. We took a closer look at whether these protections will cover incidents related to COVID-19 in a separate post.\n*   **Trip and baggage delay insurance**: Trip and baggage delay insurance protections can reimburse you for expenses you incur due to delays. For example, with the Chase Sapphire Reserve®, you could get up to $500 per ticket for meals, lodging, toiletries and personal items if your trip is delayed by over six hours or you have to stay somewhere unexpected overnight. You could also receive up to $100 a day for up to five days for clothing, toiletries and a cellphone charging cable if you're left waiting for your bags.\nAs with the purchase benefits, the eligibility, requirements and limits can vary widely for travel-related insurance and benefits. Check to see what perks a card offers and what you need to do to receive the coverage. END