Barclays·$95/year·World Mastercard·New Hampshire Insurance Company (AIG)
Our Verdict · Travel Insurance
$1,500 cancel. No medical. The travel insurance here is built for a narrow window: common carrier fares only, three covered reasons, and a $1,500 cap per person. Trip cancellation and interruption activate automatically when any portion of the trip is charged to the card, with no deductible. But coverage is strictly airline tickets, cruise line charges, and railroad fares. Pre-paid hotels, tours, and vacation packages are not covered. A single ER visit abroad runs $10,000 to $60,000, and every dollar of that is on you. No trip delay benefit: meals and lodging during a six-hour weather delay are out of pocket. Standalone travel insurance covering $100,000 in emergency medical starts at $80 to $150 for a week-long trip. If this is your only card internationally, the medical gap is real.
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
Quality, not just caps
Accidental bodily injury, loss of life, or sickness of the cardholder or traveling companion that prevents travel Accidental bodily injury, loss of life, or sickness of an immediate family member when life-threatening or requiring hospitalization Organized strike affecting public transportation that impacts the covered person's ability to travel
Trip cancellation reimburses non-refundable passenger fares charged by an airline, cruise line, railroad, or other common carrier up to $1,500 per covered person. Coverage starts on the initial deposit or booking date of the trip and ends at departure. Change fees and ground transportation expenses up to $250 are also reimbursable under the trip interruption benefit. Coverage is excess over any other valid travel insurance or refunds from the travel supplier.
Recommended : $5,000
No emergency medical coverage. Travel and Emergency Assistance provides referrals only via Broadspire at 1-855-830-3721. All medical and hospital costs abroad are the cardholder's responsibility.
No emergency evacuation coverage. This benefit is not included with this card. All evacuation and repatriation costs are the cardholder's responsibility.
Same covered reasons as trip cancellation: illness, accidental injury, death, organized transportation strike Trip interruption also covers any change to the date and time of pre-scheduled uncancelled travel arrangements
Trip interruption reimburses the non-refundable portion of unused travel arrangements up to $1,500 per covered person when a covered loss occurs after departure. The benefit also covers ground transportation expenses up to $250 to transport the covered person to or from a medical facility, airport, or place of residence in connection with the interruption.
Recommended : $5,000
No trip delay benefit. This benefit is not included with this card. Meals, lodging, and incidentals incurred during a flight or travel delay are the cardholder's responsibility.
No missed connection benefit. This benefit is not included with this card. Transportation costs and expenses due to a missed connection are the cardholder's responsibility.
No early return coverage. This benefit is not included with this card. Transportation costs to return home early due to an emergency are the cardholder's responsibility.
Baggage delayed or misdirected by a common carrier for more than 4 hours from the time the cardholder arrives at the destination A portion of the trip cost must have been charged to the Barclays account Delay must be reported to the common carrier
Baggage delay reimburses up to $100 for each 24-hour period beyond the initial 4-hour delay, to a maximum of 3 days ($300 total). Coverage is for emergency purchases of essential items: toiletries, clothing, and chargers for electronic equipment (one device per claim). The delay must be reported to the common carrier. This benefit pays on an excess basis over any other collectible insurance.
No lost or stolen baggage coverage. This benefit is not included in this Guide to Benefits. Recovery is limited to whatever the airline pays under its own liability rules.
Entire passenger fare charged to the eligible Barclays account Loss occurs while riding as a passenger in or entering or exiting any licensed common carrier Coverage extends to common carrier travel immediately before departure or after arrival at airport, terminal, or station
Travel Accident Insurance provides accidental loss of life, limb, sight, speech, or hearing coverage for the cardholder, spouse or domestic partner, and dependent children up to $250,000 each. Coverage activates automatically when the entire cost of the passenger fare is charged to the Barclays account. A dismemberment schedule applies: one hand, foot, or eye = 50%; both hands/feet/eyes, or speech and hearing combined = 100%. The maximum payout for all insured persons in a single accident is three times the benefit amount ($750,000).
Recommended : $500,000
No hotel burglary or theft protection. This benefit is not included with this card. Personal property stolen from a hotel room or safe is the cardholder's responsibility.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
Same 5 coverage dimensions, ranked head-to-head against the cards most Wyndham Rewards Earner Business shoppers also consider.
| Card | This card Wyndham Rewards Earner Business Barclays · $95/yr 1.6/5? | Aeroplan Chase · $95/yr 3.2/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $1,500 Max $1,500 per covered person | $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 | Secondary (US) Secondary (US) / Primary (abroad) | Secondary / $75,000 Secondary CDW | Primary / $75,000 Primary coverage |
Data verified against each card's Guide to Benefits, May 2026.
Real experiences on claims and travel protection 24 reviews
UpgradedPoints reviewer
Clean Sedgwick claim, two weeks start to finish
The cell phone protection is the real star. My phone screen cracked while traveling for work, filed a claim with Sedgwick, paid the $50 deductible, and had a replacement authorized in less than 2 weeks.
USCreditCardGuide
Travel insurance too thin for international use
For a $95 business card, the travel insurance is pretty thin. $1,500 trip cancellation is fine for short domestic trips but useless for anything international.
CFPB complaint, Barclays World Mastercard cardholder
Trip cancellation denied for hotel costs
Denied because the loss involved a non-refundable hotel booking rather than common carrier costs. I had to cancel under a mandatory doctor's no-travel order for a contagious illness and provided full medical documentation.
US Assistance
1-855-830-3721
24/7
International Assistance
1-855-830-3721 (collect)
Collect calls accepted · 24/7
Benefit administrator: Federal Insurance Company (Chubb) for Trip Cancel/Interrupt/Baggage Delay/TAI | New Hampshire Insurance Company (AIG) for CDW | Broadspire (Crawford) for travel claims | Sedgwick for CDW claims
Claims & pre-authorizations
How to file a Wyndham Rewards Earner Business card claim
Notify within 20 days of the loss
Contact Broadspire at 1-855-830-3721 or file at myclaimsagent.com for trip cancellation, interruption, and baggage delay claims. For CDW claims, go to mycardbenefits.com or call 1-800-Mastercard. Written notice must be given to the Company within 20 days after the occurrence of any loss.
Gather your documentation
Original unused tickets, copies of invoices, proof of payments, and other documents that substantiate the cost or occurrence of the Trip. Include a letter from the Travel Supplier or itemized bill stating the Non-Refundable amounts of the Trip costs. For CDW: demand letter and itemized repair bill from the rental agency.
Submit within the deadline
Complete Proof of Loss must be submitted within 90 days of the date of loss for travel benefits. CDW claims must be filed within 60 days. Mail to: Broadspire, a Crawford company, P.O. Box 459084, Sunrise, FL 33345. Fax: 1-855-830-3728. Documentation can also be submitted through myclaimsagent.com.
Await claim decision
The Company will send claim forms within 15 days of receiving notice of a claim. Payment is made within 60 days of receiving complete Proof of Loss. If you receive no forms within 15 days, send a written description of the loss.
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