Taking out private travel insurance for every overseas trip can add up quickly. However, by selecting credit cards with robust travel coverage, you can secure protection for free. In this article, we cover cards offering “automatic” (hold-only) travel insurance.

Automatic vs. Conditional Coverage

• Automatic (自動付帯): Insurance applies automatically just by owning the card.
• Conditional / Usage-based (利用付帯): Insurance only activates if you pay for trip fees or airport transit using the card.

Best Cards with Automatic Insurance

• Epos Gold Card: The premier choice. Features high medical expense limits and can be maintained with zero annual fees under certain conditions.
• Saison Gold American Express Card: Free for the first year, providing comprehensive automatic coverage, including family member extensions.
• d Card GOLD: Offers high-limit medical support along with flight delay and baggage lost compensation.