Everything You Need to Know About Discover Card Travel Insurance

Whether you’re traveling for business or pleasure, having travel insurance is essential. It can provide coverage for accidents, illnesses, theft, and other unforeseen events. But did you know that you might already have travel insurance coverage with your Discover card?

What is Discover Card Travel Insurance?

Discover card travel insurance is a benefit that comes with some Discover credit cards. It provides reimbursement for travel-related expenses if your trip is disrupted or cancelled due to covered reasons, such as illness or severe weather conditions. The amount of coverage and the specific covered reasons vary depending on the type of Discover card you have.

What Discover Cards Offer Travel Insurance?

Discover offers several types of credit cards that come with travel insurance coverage:

Card Name
Travel Insurance Coverage
Discover it® Miles
Up to $1,500 in travel cancellation/interruption coverage per trip
Discover it® Cash Back
Up to $1,500 in travel cancellation/interruption coverage per trip
Discover it® Secured
N/A

Note that the Discover it® Miles and Discover it® Cash Back cards have the same travel insurance coverage.

What is Covered by Discover Card Travel Insurance?

The travel insurance coverage provided by Discover card varies depending on the specific card you have. However, most Discover cards offer travel cancellation/interruption coverage for the following reasons:

  • Illness, injury, or death of you, your travel companion, or a family member
  • Severe weather conditions that cause your common carrier to stop services for at least 24 hours
  • Common carrier delays or cancellations that result in the loss of 50% or more of your trip
  • Mechanical breakdown or hijacking of a common carrier
  • Unforeseen jury duty or a court order that requires you to appear as a witness

Some Discover cards may also offer coverage for travel accident insurance, baggage delay insurance, and lost or damaged luggage insurance. Check your card’s terms and conditions for details.

How to File a Claim for Discover Card Travel Insurance?

If you need to file a claim for Discover card travel insurance coverage, you can do so by visiting the Discover website or by calling their customer service number. You will need to provide documentation of the event that caused you to cancel or interrupt your trip, such as a doctor’s note or a police report. You may also need to provide documentation of your travel expenses.

Things to Keep in Mind About Discover Card Travel Insurance

Before relying on your Discover card travel insurance, keep the following in mind:

  • Not all Discover cards offer travel insurance coverage. Check your card’s terms and conditions to see if it offers this benefit.
  • The amount of coverage and specific covered reasons vary depending on the type of Discover card you have.
  • You may need to pay for your travel expenses upfront and then file a claim for reimbursement later.
  • The travel insurance coverage provided by Discover card is secondary, which means it only kicks in after your primary insurance has paid out.
  • Read your card’s terms and conditions carefully to understand the exclusions and limitations of the coverage.

Conclusion

Having travel insurance is crucial when you’re traveling, and Discover card travel insurance can provide valuable coverage if your trip is cancelled or interrupted due to covered reasons. However, not all Discover cards offer this benefit, so make sure to check your card’s terms and conditions to see if you have this coverage. And remember to read the fine print and understand the exclusions and limitations of the coverage.