No trip cancellation benefit. This benefit is not included with this card. Non-refundable flights, hotels, and tours are entirely at your risk if you must cancel. A standalone travel insurance policy is required for this coverage.
Truist credit card benefits: what does the Enjoy Travel insurance actually include?
Truist·$0/year·Visa Signature·Virginia Surety Company (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
0,1/5Independent review · verified June 2026
0,1
0,3
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Our Verdict · Travel Insurance
Our opinion on Truist Enjoy Travel Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No cancel. No medical. AD&D only. The Truist Enjoy Travel card provides exactly one real insurance benefit on a $0 annual fee Visa Signature: $250,000 in accidental death and dismemberment coverage when you charge a Common Carrier fare to the card. That is the complete travel insurance package. There is no trip cancellation, no trip delay, no baggage delay, no emergency medical, and no evacuation. Travel and Emergency Assistance Services is included but provides referrals only: you pay every actual cost yourself. If you want this card for travel insurance, the answer is straightforward. One AD&D benefit does not protect an international trip.
What works on travel
- $250,000 Travel Accident (AD&D): cardholder, spouse or domestic partner, and unmarried dependent children covered on any Common Carrier trip when you charge the full fare to the card
- Travel and Emergency Assistance Services: 24/7 referrals to physicians, hospitals, attorneys, and embassies when traveling, emergency cash transfer arrangement up to $5,000
Where travel breaks down
- No trip cancellation or interruption: non-refundable trip expenses are entirely at your risk
- No emergency medical coverage abroad: every hospital bill outside the US is fully your responsibility
- No emergency evacuation benefit: air ambulance from a remote destination runs $50,000 to $200,000, zero covered here
- No trip delay reimbursement: meals, hotel, and transport during any delay are out of pocket
- No baggage delay or lost luggage coverage: this card provides no baggage protection whatsoever
Our methodology
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
What does Truist Enjoy Travel Travel Insurance actually cover?
Quality, not just caps
No trip cancellation coverage of any kind. For a card promoted for travel, non-refundable bookings have zero protection. A single cancelled international trip can represent $3,000 to $10,000 in unrecoverable costs.
No emergency medical insurance. Every dollar of any hospital bill abroad is yours. A single ER visit abroad typically runs $8,000 to $60,000.
No emergency medical coverage abroad. Travel and Emergency Assistance provides physician referrals but pays zero medical costs. All hospital expenses outside the United States are entirely the cardholder's responsibility.
No evacuation coverage. Air ambulance from a remote destination averages $50,000 to $200,000. Zero covered here.
No emergency evacuation or repatriation coverage. Travel and Emergency Assistance can help coordinate logistics but pays zero transportation costs. All evacuation expenses are the cardholder's responsibility.
No trip interruption benefit. This benefit is not included with this card. If your trip is cut short for any reason, non-refundable prepaid expenses are not reimbursed.
No trip delay reimbursement of any kind. An overnight hotel, meals, or transport during any delay are out of pocket.
No trip delay reimbursement. This benefit is not included with this card. Meals, lodging, and incidental expenses during any flight delay are entirely the cardholder's responsibility.
No missed connection coverage. This benefit is not included with this card. Rebooking costs and incidental expenses from missed connections are not covered.
No early return benefit. This benefit is not included with this card. Additional transportation costs from cutting a trip short are the cardholder's responsibility.
No baggage delay coverage. This benefit is not included with this card. Essential purchases during a baggage delay are out of pocket.
No lost or stolen baggage coverage. This benefit is not included with this card. If your luggage is permanently lost in transit, you are limited to the airline's liability cap. All losses beyond that are the cardholder's responsibility.
Entire Common Carrier passenger fare charged to your Truist Visa Signature card Covered persons: cardholder, spouse or domestic partner, unmarried dependent children under 19 (or under 25 if full-time student) Loss must occur within 1 year of the accident
Travel Accident Insurance provides $250,000 in accidental death and dismemberment coverage when you charge the entire cost of a Common Carrier fare to your Truist Visa Signature card. Covered persons: cardholder, spouse or domestic partner, and unmarried dependent children (under 19, or under 25 if full-time student). Underwritten by Virginia Surety Company, Inc. Plan Administrator: cbsi Card Benefit Services, 550 Mamaroneck Avenue, Suite 309, Harrison, NY 10528. Written notice of claim must be mailed within 20 days.
Recommended : $500,000
What's not covered
- Suicide or intentionally self-inflicted injury
- Sickness or disease
- Travel on a flight or Common Carrier except as a fare-paying passenger
- War or act of war, whether declared or undeclared
No hotel theft protection. This benefit is not included with this card. Personal belongings stolen from your hotel room are not covered.
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Truist Enjoy Travel wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Enjoy TravelThis card0.1/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Truist Enjoy Travel stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Enjoy Travel shoppers also consider.
| Card | This card Enjoy Travel Truist · $0/yr 0.1/5? | 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.
Cardholder reviews
What cardholders say about the Truist Enjoy Travel
CC
CFPB complaint
Credit promised on website never posted
Truist said they credit an $85.00 travel credit on their website but however it's been about 3 months and the credits hasn't been issued on my enjoy travel credit card.
CC
CFPB complaint
Wrong card issued at application
Since the beginning I was always interested in the Truist Enjoy Travel card for my travel purposes. My application went to card Enjoy Cash card instead Enjoy Travel. All I request is that the product I was pre-qualified for, be changed to the Enjoy Travel card.
Emergency · Card assistance line
How to contact Truist Enjoy Travel assistance?
US Benefits
1-800-397-9010
24/7
International Benefits
collect: +1-303-967-1093
Collect calls accepted · 24/7
Benefit administrator: cbsi Card Benefit Services for Travel Accident | 1-800-992-6029 for Travel and Emergency Assistance | 1-800-847-2869 for Roadside Dispatch
Claims & pre-authorizations
How to file an Enjoy Travel claim
1
Step 1: Notify within 20 days
For Travel Accident Insurance, mail written notice to cbsi Card Benefit Services, 550 Mamaroneck Avenue, Suite 309, Harrison, NY 10528, or call the benefit administrator at 1-800-397-9010, within 20 days of the covered loss. For Travel and Emergency Assistance, call 1-800-992-6029 (US) or 1-804-673-1675 (international collect).
2
Step 2: Request and complete claim forms
cbsi will send you claim forms within 15 days of receiving your notice. If you do not receive forms, send a written description of the loss to cbsi. Complete and return all forms with full supporting documentation.
3
Step 3: Submit proof of loss within 90 days
Complete proof of loss documentation must be submitted to cbsi Card Benefit Services within 90 days of the accident. For Roadside Dispatch service, call 1-800-847-2869 when you need assistance. You pay the service provider directly at the time of service.
FAQ
What people ask about the Truist Enjoy Travel
- The Enjoy Travel card's Travel Accident Insurance activates automatically when you charge the entire cost of a Common Carrier passenger fare to your Truist Visa Signature card. No enrollment or pre-registration is required. For Roadside Dispatch, simply call 1-800-847-2869 when you need service. Note that Roadside Dispatch is a pay-per-use program: you pay the service provider directly at the time of service. Travel and Emergency Assistance is also automatic for cardholders traveling more than 50 miles from home. Call 1-800-992-6029 or 1-804-673-1675 outside the US.
- Travel Accident Insurance covers the primary cardholder, their spouse or domestic partner, and unmarried dependent children under 19 years of age, provided the entire Common Carrier fare is charged to the Truist Visa Signature card. Unmarried children under 25 who are full-time students at an accredited institution are also covered. Travel and Emergency Assistance Services are available to the cardholder, their spouse, and dependent children under 22.
- The Truist Enjoy Travel card does not include rental car collision damage waiver (CDW) coverage. Physical damage and theft of a rental vehicle are entirely your responsibility. If you rent a car with this card, purchase the rental agency's CDW or confirm that your personal auto insurance covers rental vehicles. The card includes Roadside Dispatch, a pay-per-use program at roughly $69.95 per service call for towing, tire changes, and jump starts. Call 1-800-847-2869 when needed.
- For Travel Accident Insurance: mail written notice within 20 days of the covered loss to cbsi Card Benefit Services, 550 Mamaroneck Avenue, Suite 309, Harrison, NY 10528. You can also reach the benefit administrator at 1-800-397-9010 or collect at 303-967-1093 outside the US. cbsi will send claim forms within 15 days. Submit complete proof of loss within 90 days of the accident. For Roadside Dispatch: call 1-800-847-2869 and pay the service provider directly.
- The Truist Enjoy Travel card has very limited insurance benefits. There is no trip cancellation or interruption coverage: non-refundable bookings are entirely at your risk. There is no emergency medical coverage abroad: every hospital bill outside the US is yours to pay. There is no evacuation benefit. There is no trip delay reimbursement. There is no baggage delay or lost luggage benefit. There is no rental car CDW. There are no purchase protection or extended warranty benefits. The complete insurance package consists of $250,000 Travel Accident Insurance and pay-per-use Roadside Dispatch.
- Yes, for any meaningful trip. The Enjoy Travel card provides only $250,000 in accidental death coverage on Common Carrier trips and pay-per-use roadside dispatch. There is no trip cancellation, no emergency medical, no evacuation, no baggage protection, and no rental car CDW. If you travel internationally, you are exposed on every major risk category. A standalone travel insurance policy would fill the medical, evacuation, and trip cancellation gaps. A card with CDW would protect your rental vehicles.
- Not for insurance purposes. The card provides $250,000 in Travel Accident Insurance, which pays only in the event of accidental death or dismemberment on a Common Carrier. There is no emergency medical benefit: a hospital visit abroad is entirely out of pocket. There is no evacuation: air ambulance from a remote destination runs $50,000 to $200,000. There is no trip cancellation. The card earns 2x miles on airfare, hotels, and car rentals, which makes it useful as a rewards card. For insurance protection on international trips, a separate policy is necessary.
Not just Truist
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