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Added August 7, 2012 from: Joe Taylor Jr.
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Answered By Joe Taylor Jr.:

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That depends on your definition of "free." Plenty of credit card issuers have bundled comprehensive travel insurance benefits into their accounts. However, the scope of benefits usually grows with the size of your annual fee.

Let's compare credit cards with strong travel insurance benefits at a couple of tiers:

Economy Class: Citi Hilton HHonors Visa Signature Card

At no annual fee, this Citi travel rewards card offers travel assistance and insurance benefits that rival accounts with significantly higher service charges. This card's auto rental insurance, if you decline your rental agency's collision, loss, and damage waiver, may cover physical damage and theft when you use your Citi card to initiate and pay for the entire rental transaction. Visa Signature's concierge team can help you rebook missed flights or find fine wine and food events and more. Purchasing airline, train, or cruise tickets with this card earns you Hilton HHonors points, while automatically enrolling you in basic travel accident insurance.

Business Class: Chase Sapphire Preferred

With an introductory annual fee of $0 the first year, then $95, Chase ups the ante with travel delay insurance that can cover the cost of unexpected meals and emergency lodging if your plane or cruise leaves you stranded for more than 12 hours. Chase will also pay for covered essential items when your airline loses your luggage for more than 18 hours. Your Sapphire Preferred card can even reimburse you for a trip that gets cancelled due to covered cancellations and emergencies when you purchase tickets with your Chase Sapphire Preferred card.

Of course, the best kind of insurance is the kind you'll never have to use. Nobody wishes for an accident or a travel delay, but the right travel credit card can give you the peace of mind to enjoy your next trip.

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