Does the Apple Card include trip cancellation insurance?

No. Apple Card does not include trip cancellation, trip interruption, or any form of travel protection insurance. If you prepay a flight, hotel, or cruise and cancel for any reason including illness, job loss, or a family emergency, the card provides no reimbursement. Apple Card is a cashback card, not a travel insurance card. If you travel with significant prepaid costs, book with a card that includes trip cancellation or purchase a standalone travel insurance policy before you depart.

Does the Apple Card cover rental car damage?

No. Apple Card does not include CDW or any rental car damage coverage. The Hertz partnership offers a discounted LDW rate of $16.95 per day, but this is a paid service you purchase at the counter, not a benefit built into the card. If you rent with another company, there is no Apple Card protection at all.

How do I contact Apple Card support for a travel problem?

There are no travel insurance claims to file on the Apple Card. If you have a general card issue while traveling, call Apple Card Support at 1-800-MY-APPLE, available 24/7. For network-related emergencies (card not accepted, lost card abroad), Mastercard Global Service is reachable at +1-636-722-7111 collect from any country. For travel losses such as a cancelled trip or rental car damage, you need a separate travel insurance policy or a different credit card.

Does the Apple Card cover medical emergencies abroad?

No. Apple Card does not include emergency medical coverage, hospital reimbursement, or medical evacuation assistance of any kind. Mastercard Global Service (+1-636-722-7111, collect) can help locate a hospital or English-speaking doctor, but does not pay any medical bills. Americans traveling abroad without employer-sponsored international health coverage are fully exposed to out-of-pocket costs.

Who is covered under the Apple Card?

Apple Card's benefits are limited to financial and cashback features, not insurance. Daily Cash is credited to the primary cardholder's Apple Cash account. Apple Card Family lets you share the card with family members under one account, with each participant earning Daily Cash on their own spending. There are no travel insurance beneficiaries and no eligible family members for CDW or trip cancellation, because the card carries no insurance.

What is the Apple Card Hertz benefit, and is it actually worth it?

Apple Card gives Hertz cardholders a discounted LDW rate of $16.95 per day, free roadside service, one free additional driver, and 5% off Pay Later rates. The LDW discount is real if Hertz's standard LDW in your market runs $25 to $30 per day. But it is still a paid daily add-on, not a free card benefit. Cards with included CDW cost you nothing extra at the counter.

Does the Apple Card protect your iPhone if it is damaged or stolen?

No. Apple Card does not include cell phone protection. There is no reimbursement for cracked screens, theft, or mechanical failure through the card's benefits. This is a notable gap given the card is designed for the Apple ecosystem and many users purchase iPhones with it. If you carry an iPhone without AppleCare+ and without a card that covers phone damage, the out-of-pocket replacement cost for a current iPhone starts at around $599.

What are the benefits of the Apple Card in 2026?

Apple Card's core benefits are financial: Daily Cash (3% at Apple and select partners via Apple Pay, 2% everywhere else via Apple Pay, 1% on the titanium card), no annual fee, no foreign transaction fees, no late fees, and a savings account earning 3.40% APY. Additional perks include six months of Uber One, 2% Travel Credits at Booking.com, and a per-transaction virtual card number that limits fraud exposure. What the card does not offer is travel insurance, CDW, purchase protection, or extended warranty.

Is the Apple Card worth using to book travel?

For earning cashback, yes: you get 2% on every Apple Pay transaction including flights and hotels booked through the app. For protection, no. Apple Card provides no trip cancellation, no CDW, no medical coverage, and no baggage protection. If a flight is cancelled after you paid with Apple Card, your only recourse is the airline's own refund policy. Use the Apple Card for the Daily Cash, but pay for travel with a card that includes trip protection if you have significant prepaid costs.

What perks does the Apple Card offer for everyday spending?

Everyday spending perks focus on the Daily Cash program. You earn 3% back at Apple directly, and at a partner list that includes Nike, Exxon, Walgreens, ChargePoint, Uber, Hertz, Booking.com, and Ace Hardware. Apple Pay purchases at all other merchants earn 2%. The physical titanium card earns 1% for merchants that do not accept Apple Pay. Daily Cash posts the same day you spend and goes directly into your Apple Cash balance for immediate use. The card also includes Uber One (six months free) and no fees of any kind.

What benefits does the Apple Card actually give you?

Apple·$0/year·Mastercard World

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 15, 20268 min read

0,0/5Protection gap.Independent review · verified June 2026

Travel Insurance

0,7

Car Rental

0,3

Protection

0,1

Our Verdict · Travel Insurance

Our take on travel insurance for the Apple Mastercard

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

No travel insurance, full stop. Apple Card does not include trip cancellation, trip delay, baggage coverage, emergency medical, or evacuation assistance. Goldman Sachs opted out of the standard Mastercard World insurance package when they issued the card. A $3,000 trip cancelled for illness costs $3,000 out of pocket. International travelers without a standalone policy carry 100% of the risk. Daily Cash is the product here, not protection.

What works on travel

No foreign transaction fees on any international purchase
Mastercard Global Service provides 24/7 emergency card assistance in any country
Per-transaction virtual card number limits fraud exposure when booking travel online

Where travel breaks down

No trip cancellation or interruption coverage of any kind
No emergency medical or hospital reimbursement abroad
No medical evacuation or repatriation assistance
No travel delay or missed connection coverage
No lost or delayed baggage reimbursement
Goldman Sachs opted out of the standard Mastercard World insurance package entirely

Notre méthodologie

Chez HelloSafe, notre expert examine chaque année les contrats, les avis clients et les tarifs du marché. Analyse indépendante, sans influence commerciale sur les notes attribuées.

Travel Insurance · 11 guarantees

What does Apple Card travel insurance actually cover?

Quality, not just caps

Guarantee

Status

Limit · Cap

Trip cancellation

Not covered

Trip interruption

Not covered

Medical fees abroad

Not covered

Medical repatriation

Not covered

Transport delay

Not covered

Missed connection

Not covered

Lost luggage / theft

Not covered

Baggage delay

Not covered

Baggage loss

Not covered

Personal liability

Not covered

Hotel theft protection

Not covered

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Apple Mastercard wins, and where it loses

An 8-dimension snapshot compared to the Autograph Journey and the average premium travel card.

Compare

MastercardThis card0.0/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Autograph Journey

Wells Fargo · $95/yr

Click a layer to highlight its scores on the radar.

Side-by-side comparison

Alternatives to the Apple Mastercard

HelloCard.sideBySide.subtitle

Card	This card Mastercard Apple · $0/yr 0.0/5?	Aeroplan Chase · $95/yr 3.2/5?	Sapphire Reserve Chase · $795/yr 3.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$1,500 per person All prepaid travel	$10,000 per person 13 covered reasons
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$2,500 Reimbursement only	$2,500 \| $50 deductible $50 deductible
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	$100,000 Pre-auth required	$100,000 \| pre-auth required Pre-authorization required
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	12h / $500 Trigger: 12 hours	$500 after 6 hours Trigger: 6 hours
Rental CDW Primary or secondary	Not covered Cover this gap →	Secondary / $75,000 Secondary CDW	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/apple

2024

Daily Cash posts before I leave the store

The speed of Daily Cash is unlike anything else I've used. It shows up in my account immediately after a purchase, not a day later, not at the end of the month. For Apple Pay transactions, that 2% instant credit feels very different from a card that makes you wait for a statement cycle.

r/CreditCards

2024

Cancelled a $3,000 trip and got nothing

Booked an international trip and charged everything to Apple Card. When illness forced a cancellation, the card provided zero coverage. No trip cancellation, no reimbursement of any kind. A separate travel policy I had purchased covered part of the loss, but that was my own planning, not Apple Card. The card should not be used for any prepaid travel booking.

r/CreditCards

2024

The 1% physical card rate does not hold up in 2024

Outside Apple Pay, the titanium card earns 1%. There are multiple no-fee cards paying 2% flat everywhere. Unless you are paying exclusively via Apple Pay, the cashback rate is uncompetitive. It works as a focused Apple Pay card, but falls apart as a general-purpose card the moment you are somewhere Apple Pay is not accepted.

Apple Card Support (US)

1-800-MY-APPLE

Free · 24/7

Mastercard Global Service (International)

+1-636-722-7111 (collect)

Free (collect call) · 24/7

Benefit administrator: N/A. Apple Card carries no travel, rental car, or purchase insurance benefits.

Claims & pre-authorizations

No insurance claims available on Apple Card

Card issues while traveling

For lost or stolen card, unauthorized charges, or general card support, call Apple Card Support at 1-800-MY-APPLE (24/7).

International network emergencies

For card acceptance issues or emergency card replacement abroad, contact Mastercard Global Service at +1-636-722-7111 (collect, 24/7).

Travel losses

Apple Card provides no reimbursement for cancelled trips, rental car damage, lost baggage, or medical expenses abroad. For coverage, use a dedicated travel insurance policy or a card that includes CDW and trip cancellation.

No. Apple Card does not include trip cancellation, trip interruption, or any form of travel protection insurance. If you prepay a flight, hotel, or cruise and cancel for any reason including illness, job loss, or a family emergency, the card provides no reimbursement. Apple Card is a cashback card, not a travel insurance card. If you travel with significant prepaid costs, book with a card that includes trip cancellation or purchase a standalone travel insurance policy before you depart.
No. Apple Card does not include CDW or any rental car damage coverage. The Hertz partnership offers a discounted LDW rate of $16.95 per day, but this is a paid service you purchase at the counter, not a benefit built into the card. If you rent with another company, there is no Apple Card protection at all.
There are no travel insurance claims to file on the Apple Card. If you have a general card issue while traveling, call Apple Card Support at 1-800-MY-APPLE, available 24/7. For network-related emergencies (card not accepted, lost card abroad), Mastercard Global Service is reachable at +1-636-722-7111 collect from any country. For travel losses such as a cancelled trip or rental car damage, you need a separate travel insurance policy or a different credit card.
No. Apple Card does not include emergency medical coverage, hospital reimbursement, or medical evacuation assistance of any kind. Mastercard Global Service (+1-636-722-7111, collect) can help locate a hospital or English-speaking doctor, but does not pay any medical bills. Americans traveling abroad without employer-sponsored international health coverage are fully exposed to out-of-pocket costs.
Apple Card's benefits are limited to financial and cashback features, not insurance. Daily Cash is credited to the primary cardholder's Apple Cash account. Apple Card Family lets you share the card with family members under one account, with each participant earning Daily Cash on their own spending. There are no travel insurance beneficiaries and no eligible family members for CDW or trip cancellation, because the card carries no insurance.
Apple Card gives Hertz cardholders a discounted LDW rate of $16.95 per day, free roadside service, one free additional driver, and 5% off Pay Later rates. The LDW discount is real if Hertz's standard LDW in your market runs $25 to $30 per day. But it is still a paid daily add-on, not a free card benefit. Cards with included CDW cost you nothing extra at the counter.
No. Apple Card does not include cell phone protection. There is no reimbursement for cracked screens, theft, or mechanical failure through the card's benefits. This is a notable gap given the card is designed for the Apple ecosystem and many users purchase iPhones with it. If you carry an iPhone without AppleCare+ and without a card that covers phone damage, the out-of-pocket replacement cost for a current iPhone starts at around $599.
Apple Card's core benefits are financial: Daily Cash (3% at Apple and select partners via Apple Pay, 2% everywhere else via Apple Pay, 1% on the titanium card), no annual fee, no foreign transaction fees, no late fees, and a savings account earning 3.40% APY. Additional perks include six months of Uber One, 2% Travel Credits at Booking.com, and a per-transaction virtual card number that limits fraud exposure. What the card does not offer is travel insurance, CDW, purchase protection, or extended warranty.
For earning cashback, yes: you get 2% on every Apple Pay transaction including flights and hotels booked through the app. For protection, no. Apple Card provides no trip cancellation, no CDW, no medical coverage, and no baggage protection. If a flight is cancelled after you paid with Apple Card, your only recourse is the airline's own refund policy. Use the Apple Card for the Daily Cash, but pay for travel with a card that includes trip protection if you have significant prepaid costs.
Everyday spending perks focus on the Daily Cash program. You earn 3% back at Apple directly, and at a partner list that includes Nike, Exxon, Walgreens, ChargePoint, Uber, Hertz, Booking.com, and Ace Hardware. Apple Pay purchases at all other merchants earn 2%. The physical titanium card earns 1% for merchants that do not accept Apple Pay. Daily Cash posts the same day you spend and goes directly into your Apple Cash balance for immediate use. The card also includes Uber One (six months free) and no fees of any kind.