
As a business owner, you're likely no stranger to the stress and uncertainty that comes with traveling for work. If you're a Southwest Business Credit Card holder, you're in luck - you have access to some amazing travel insurance benefits that can help protect you and your business.
One of the key benefits of the Southwest Business Credit Card travel insurance is trip cancellation insurance, which can reimburse you up to $10,000 per person for non-refundable trip expenses if you need to cancel your trip due to unforeseen circumstances.
If you're planning a business trip, you know how quickly things can go wrong. That's why having access to 24/7 travel assistance is a huge plus - you can get help with everything from finding a replacement flight to getting medical attention while abroad.
The Southwest Business Credit Card travel insurance also offers medical expense coverage, which can help pay for medical bills if you're injured or become ill while traveling. This can be a huge weight off your mind, especially if you're traveling to a foreign country.
Southwest Business Credit Cards

If you're a small business owner or entrepreneur who often travels for work, you might want to consider a Southwest Business Credit Card. These cards often come with built-in travel insurance that can reimburse you for unexpected expenses like delayed flights or lost luggage.
The Southwest Business Credit Card offers a range of travel insurance benefits, including reimbursement for trip cancellations or interruptions. This can be a lifesaver if you're stuck in a situation where you need to cancel a business trip at the last minute.
One of the best things about the Southwest Business Credit Card is that it's designed specifically for business travelers, so it's likely to have features that cater to your needs.
Southwest Rapid Rewards Performance Card
The Southwest Rapid Rewards Performance Card is a great option for those who want to earn rewards quickly. It offers 4X points in the Southwest purchase category, 2X points on Rapid Rewards hotel and car rental partners, and 1X point on all other purchases.

This card has a $99 annual fee, which is relatively low compared to other premium credit cards. With a sign-up bonus of 40,000 points after spending $1,000 in the first 3 months, you can earn a significant number of points to redeem for flights.
The card also offers a 25% points bonus when redeemed for travel booked through the Southwest website. This can add up to a lot of points, especially if you're a frequent Southwest traveler.
Southwest Premier Business Card
The Southwest Premier Business Card offers some fantastic benefits for business owners. It covers damage or theft of eligible purchases for up to 120 days after the purchase date.
One of the key features of this card is purchase protection, which reimburses cardholders for up to $500 per item and up to $50,000 per cardholder. This can be a huge relief in case of unexpected losses or damages.
If you need to file a purchase protection claim, you can call the Benefit Administrator at the number on the back of your card, or the number in your card's benefits guide, within 90 days of the incident. Make sure to act quickly to take advantage of this benefit.
Here's a quick summary of the purchase protection benefits:
Travel Insurance Benefits

Travel insurance benefits can be a lifesaver when unexpected events throw a wrench into your travel plans. You can get reimbursed for essentials if your baggage arrives over 6 hours late to your destination.
The Southwest Premier Business Card offers various types of travel insurance, including baggage delay insurance, lost/damaged baggage insurance, travel accident insurance, and rental car insurance. Each of these benefits has exclusions and coverage limits, so be sure to check your card's guide to benefits for more details.
If your travels are canceled or cut short due to unforeseen circumstances, trip cancellation and interruption protection can help. You may be able to get reimbursed for expenses related to getting home, like a cab to the airport.
The Southwest Premier Business Card's travel insurance benefits can be quite handy in several situations. Review the specifics of your card for details and coverage limits.
Here are some of the travel insurance benefits offered by the Southwest Premier Business Card:
- Baggage delay insurance: Covers essentials if your baggage arrives over 6 hours late to your destination
- Lost/damaged baggage insurance: Reimburses up to $3,000 for the contents of lost or stolen luggage
- Travel accident insurance: Covers death or dismemberment during transit
- Rental car insurance: Covers damage to rental vehicles resulting from collisions or theft
Purchase Protection and Claims

If you're a business owner who loves to travel, you'll want to know about purchase protection and claims on your Southwest Premier Business Card.
Purchase protection covers damage or theft of eligible purchases for up to 120 days after the purchase date.
You can file a purchase protection claim by calling the Benefit Administrator at the number on the back of your card, or the number in your card's benefits guide, within 90 days of the incident.
To file a claim, you'll need to provide documentation, such as receipts and proof of ownership.
The Southwest Premier Business Card will reimburse you for up to $500 and up to $50,000 per cardholder.
If you're facing a covered loss while traveling, you can file a claim on your credit card website, although it will probably be processed by a third-party insurance provider, like Allianz.
Here's a quick rundown of the contact information and filing timeframes for some popular credit card companies:
Credit Card Features and Cost

The credit card features and cost of your Southwest Business card are definitely worth considering. Your card's annual fee pays for travel insurance benefits, so there's no additional per-trip cost.
Having travel insurance can be a huge relief if something goes wrong on your trip, and it's included with your card at no extra charge. A standalone travel insurance policy, on the other hand, typically costs between 4% and 8% of a trip's total value.
Southwest Premier Business Card Purchase Protection
The Southwest Premier Business Card offers a great feature called purchase protection, which can be a lifesaver in case something goes wrong with your purchase.
Purchase protection covers eligible purchases for up to 120 days after the purchase date.
If you need to file a claim, you must call the Benefit Administrator within 90 days of the incident.
The card will reimburse you for up to $500 per purchase and up to $50,000 per cardholder.
Features

Credit card travel insurance can be a lifesaver when unexpected events occur during your trip. It can reimburse you for many expenses, such as delayed flights, lost luggage, and even medical emergencies.
Some credit cards offer a wide range of travel protections, including car rental insurance, roadside assistance, and baggage insurance. The Southwest Rapid Rewards Priority Credit Card, for example, comes with these benefits, which can be quite handy in several situations.
Credit card travel insurance often lacks a waiver for pre-existing medical conditions, unlike separate policies that offer this option. This is a key difference to consider when deciding between the two.
A cancel for any reason (CFAR) add-on is often available with separate policies, allowing you to cancel your trip for nearly any reason. This level of customization is not typically offered with credit card travel insurance.
If you're unsure about what your credit card covers, be sure to review the specifics of your card for details and coverage limits.
Cost

Having a credit card with travel insurance benefits can save you money on your trips, especially if you're a frequent traveler. This is because your card's annual fee pays for travel insurance benefits, so there's no additional per-trip cost.
A standalone travel insurance policy, on the other hand, typically costs between 4% and 8% of a trip's total value, which can add up quickly.
Frequently Asked Questions
Do credit cards automatically have travel insurance?
Not all credit cards come with travel insurance automatically, but some do, such as certain Capital One Venture cards. Check your benefits guide to see if your credit card offers travel insurance coverage.
Is a Southwest credit card good for international travel?
Yes, a Southwest credit card is a good choice for international travel, as it waives foreign transaction fees, saving you up to $150 on a $5,000 international purchase. This can help you save money on your international travel expenses.
Sources
- https://www.chase.com/personal/credit-cards/education/basics/guide-to-the-southwest-rapid-rewards-business-card
- https://wallethub.com/answers/cc/southwest-premier-business-card-travel-insurance-1000375-2140634023/
- https://www.cnbc.com/select/how-does-credit-card-travel-insurance-work/
- https://www.nerdwallet.com/article/travel/how-to-maximize-the-southwest-rapid-rewards-priority-credit-card
- https://www.creditcards.com/credit-cards/southwest-rapid-rewards-plus-credit-card/
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