Credit cards with travel insurance: your guide to travel protection
Product · 20 September 2025Clément Bolmont
Planning a holiday can be an exciting process, but with so many details to consider, it's easy to overlook the importance of travel insurance. While many people turn to traditional providers, a growing number of savvy travellers are discovering a convenient and cost-effective alternative: credit cards that offer travel insurance.
This guide walks you through what a credit card with travel insurance is, how it works, and how our plans can give you peace of mind, flexibility, and security.
Our insurance coverage offerings are part of our paid subscription plans (Premium/Metal/Ultra), and not tied directly to our Credit Cards. Compare our plans to learn what's covered by each.
The value of a credit card with travel insurance
A travel protection credit card includes a travel insurance as a benefit, meaning you don't have to purchase a separate policy for every trip you take. Instead, by simply using your card for eligible travel expenses, you're covered for a range of unforeseen events that could disrupt your plans. This is one of the main reasons many customers choose to have a credit card with travel insurance.
Insurance policy T&Cs, including exclusions, apply.
What are credit cards with travel insurance?
The primary purpose of a credit card is to provide you with a line of credit, but many of the best credit cards with travel insurance go far beyond that by including a suite of benefits designed for travellers. These benefits can save you money, provide convenience, and give you peace of mind, making them a valuable addition to your wallet.
For a customer who is new to credit and travel, these benefits can be a huge comfort, providing a safety net that allows you to travel with confidence.
The essential types of travel insurance offered
The level of coverage can vary, but most policies offer a solid foundation of protection for travellers. Common areas of coverage include:
- Medical coverage: protecting you and your family from high medical costs if you get sick or injured while abroad
- Trip protection: covering expenses if your trip is cancelled, delayed, or interrupted due to an unexpected event
- Lost baggage protection: reimbursing you for lost, stolen, or damaged baggage
- Car hire excess protection: covering the excess fees for theft or damage to a rental car
By using your credit card for eligible travel expenses, you can activate this protection and travel with an essential layer of security.
Insurance policy T&Cs, including exclusions, apply.
Revolut's travel insurance plans explained
We offer robust travel insurance benefits as part of our Premium, Metal, and Ultra plans. This makes our paid plans an attractive option for those seeking a credit card travel insurance policy. The coverage is comprehensive and includes:
- Worldwide medical emergency insurance: providing you with a high level of coverage for medical and dental expenses when you're abroad
- Baggage and flight delay protection: reimbursement for essential purchases if your flight is delayed for more than 8 hours (or 4 hours for Ultra plans), or if your baggage is delayed
- Car hire excess protection: Metal and Ultra coverage for excess fees on rental cars
- Winter sports protection: coverage for injuries and lost or damaged equipment if you're travelling to a snowy destination
These extensive benefits make Revolut a strong contender for those looking for the best travel protection credit card.
More than insurance: added credit card travel perks and security
In addition to travel insurance, Revolut Credit Cards come with a host of other benefits that are especially useful for travellers:
- No foreign transaction fees: we don't charge foreign transaction fees on your card payments, which can save you a significant amount of money when you travel.
- Airport lounge access: for Premium, Metal, and Ultra customers, Revolut offers discounted or free access to airport lounges. This is one of the top credit card travel perks for frequent travellers, as it makes waiting for a flight more comfortable.
- Enhanced security features: a Revolut Credit Card offers a high level of security that cash simply can't match. You've got complete control in-app and can instantly freeze or unfreeze your card, set spending limits, and get real-time notifications for every transaction. This makes it easy to spot and stop suspicious activity. For even greater security, you can use a virtual credit card for online purchases, whose details are instantly deleted and refreshed after each single use. This adds an extra layer of protection against fraud.
Credit card travel insurance vs standalone policies
The main question many people ask is whether a credit card's insurance is enough. The answer depends on your specific needs.
Key differences to consider
Feature | Credit card travel insurance | Standalone travel insurance |
Cost | Included with the card's monthly fee | Purchased as a separate, one-off policy |
Coverage | Often has a fixed level of coverage | Can be customised with optional extras |
Trip duration | Typically has a limit on the number of days per trip | Can cover longer trips, up to a year or more |
Pre-existing conditions | May not cover pre-existing medical conditions | Can be added for an extra premium |
When is credit card insurance the right choice for you?
For many casual travellers, the travel insurance on a credit card is more than enough. If you're taking short trips, don't have any pre-existing medical conditions, and simply need a safety net for unexpected events, a credit card policy is an excellent, cost-effective solution.
However, if you're planning a longer trip, an adventure holiday with high-risk sports, or if you have specific medical needs, a standalone policy may be a good idea. The key is to carefully review your card's policy and compare it with other options to ensure you have the right level of coverage for your trip. The good news is that with us, you can adapt your plan to better fit your needs, and upgrade to Metal or Ultra for higher protection (like business travel coverage).
How to find the best credit card with travel insurance for you
Choosing the best credit card for travel insurance is about finding a balance between the rewards you want and the financial responsibility you're comfortable with.
Assessing your travel habits and needs
Your travel habits should be the main factor in your decision. Ask yourself the following questions:
- How often do I travel?
- What kind of trips do I take?
- Am I travelling solo, with a partner, or with family?
If you're a frequent traveller with a family, a card with multi-trip coverage for a spouse and children can save you a significant amount of money and time.
Understanding the fine print
It's important to read the terms and conditions carefully before you apply for a card. Look for key details like:
- What are the maximum claim limits for different types of coverage?
- Is there an excess fee for making a claim?
- Do you need to pay for a certain percentage of your trip with the card to activate the insurance?
Apply for a credit card with travel insurance
Ready to travel with confidence and get the benefits of a credit card with a travel insurance? Our paid plans can give you the protection you need for your next adventure. The application process is simple and can be completed in just a few steps:
- Explore our plans: check out our pricing plans to see which plan offers the travel insurance benefits you want.
- Sign up: download our app and follow the simple steps to create your account.
- Apply for a credit card: once your account is set up, you can submit an application for a credit card in-app. The application process is quick and you may get a decision in minutes.
Ready to travel with confidence? Get started with a Revolut Credit Card today.
The information provided is accurate as of 12 September 2025.
Insurance policy T&Cs (incl. exclusions) apply.
Revolut Bank UAB is regulated and authorised by the Bank of Lithuania in the Republic of Lithuania, and by the European Central Bank, and is regulated by the Central Bank of Ireland for consumer protection rules.
In relation to the business of insurance distribution, Revolut Insurance Europe UAB (Revolut Insurance Europe), company number 305910164, is enrolled by the Bank of Lithuania on the list of insurance brokerage undertakings. This list can be found on the website of the Bank of Lithuania.
Revolut Bank and Revolut Insurance Europe both have their registered office at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania.
Lending criteria, as well as T&Cs, apply. Credit Cards are available to Revolut customers who are residents of the Republic of Ireland over the age of 18. All Credit Card applications are subject to approval.
Warning: if you don't meet the repayments on your Credit Card, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement, or a Buy Now Pay Later (BNPL) agreement in the future.