Who is covered by credit card travel insurance?

Thankfully, many of the top travel rewards cards on the market include various travel protections automatically when you use your card to pay for your trip.

Credit card travel insurance can come to the rescue when your carefully planned trip goes sideways. And as most travelers eventually learn, things don't always go according to plan.

Depending on the card, coverage can kick in for illness, bad weather and other emergencies outside your control.

Related: What's covered by credit card travel accident and emergency evacuation insurance?

Not all credit cards offer travel insurance, and the cards that do aren't created equal. Some offer a relatively basic set of protections, while others cover everything from delayed baggage to trip cancellations and emergency evacuations.

American Express Platinum Card ($895 annual fee; see rates and fees)Up to $10,000 per trip and up to $20,000 per eligible card per 12-month period*Up to $500 per covered trip after a delay of more than six hours, with a maximum of two claims per eligible card per 12-month period*NoneEmergency medical transportation may be provided at no cost when coordinated through and approved by the Premium Global Assist Hotline**American Express Gold Card ($325 annual fee; see rates and fees)NoneUp to $300 per covered trip after a delay of more than 12 hours, with a maximum of two claims per eligible card per 12-month period*NoneNo coverage; Global Assist Hotline can coordinate emergency medical assistance, but cardmembers are responsible for third-party costs**Capital One Venture X Rewards Credit CardUp to $2,000 per insured person for eligible nonrefundable common carrier ticketsUp to $500 per purchased ticket after a delay of more than six hours or an overnight stayNoneNot includedChase Sapphire Preferred CardUp to $10,000 per covered traveler, $20,000 per trip and $40,000 per 12-month period per accountUp to $500 per covered traveler after a delay of more than 12 hours or an overnight stayUp to $100 per day for up to five days after a delay of more than six hoursUp to $100,000 in emergency evacuation and transportation coverageChase Sapphire ReserveUp to $10,000 per covered traveler, $20,000 per trip and $40,000 per 12-month period per accountUp to $500 per covered traveler after a delay of more than six hours or an overnight stayUp to $100 per day for up to five days after a delay of more than six hoursUp to $2,500 for emergency medical and dental expenses, subject to a $50 deductible, and up to $100,000 for emergency evacuation and transportationInk Business Preferred Credit CardUp to $5,000 per covered traveler, $10,000 per trip and $20,000 per 12-month periodUp to $500 per covered traveler after a delay of more than 12 hours or an overnight stayUp to $100 per day for up to five days after a delay of six hours or moreTravel and emergency assistance is available for medical referrals and other assistance, but you're responsible for the cost of any services provided*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.