Travel insurance: trip delay, baggage and car rental cover

Includes trip delay cover of up to $300 per trip for extra expenses when a round-trip is delayed more than 12 hours, baggage cover of up to $1,250 for carry-on and $500 for checked bags that are lost, damaged or stolen, and car rental loss and damage cover.

Conditions: Trip delay needs the round-trip paid entirely with the card and the extra expenses charged to the same card, with up to 2 claims per card in any 12 consecutive months. Baggage cover needs the entire fare for a plane, train, ship or bus ticket charged to the card and pays on top of the carrier's own cover; New York State residents have a $10,000 limit for all covered people per trip. Car rental cover needs the entire rental reserved and paid with the card and the rental company's collision damage waiver declined; it is secondary cover, doesn't include liability and isn't available for rentals in Australia, Italy or New Zealand. Not all vehicle types or rentals are covered. Exclusions and restrictions apply.