How do I activate the Enjoy Travel travel insurance benefits?

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.

Who is covered under the Enjoy Travel benefits?

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.

How does the Enjoy Travel rental car coverage actually work?

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.

How do I file a claim with the Enjoy Travel?

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.

What does the Enjoy Travel not cover?

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.

Do I need separate travel insurance if I have the Enjoy Travel card?

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.

Is the Truist Enjoy Travel card sufficient for international travel?

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.

Truist credit card benefits: what does the Enjoy Travel insurance actually include?

Truist·$0/year·Visa Signature

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

0,1/5Protection gap.Independent review · verified June 2026

Travel Insurance

0,1

Car Rental

0,3

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Truist Enjoy Travel

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

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 my Enjoy Travel card's travel insurance cover?

Quality, not just caps

Guarantee

Status

Limit · Cap

Trip cancellation

Not covered

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.

Medical fees abroad

Not covered

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.

Medical repatriation

Not covered

No evacuation coverage. Air ambulance from a remote destination averages $50,000 to $200,000. Zero covered here.

Trip interruption

Not covered

Transport delay

Not covered

No trip delay reimbursement of any kind. An overnight hotel, meals, or transport during any delay are out of pocket.

Missed connection

Not covered

Lost luggage / theft

Not covered

Baggage delay

Not covered

Baggage loss

Not covered

Personal liability

Common carrier only · Cardholder + spouse + dependents

$250,000

Misleading

$250,000

Hotel theft protection

Not covered

View all guarantees and assistance (PDF)

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 Truist Enjoy Travel wins, and where it loses

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

Compare

Enjoy TravelThis card0.1/5?

$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 Truist Enjoy Travel

HelloCard.sideBySide.subtitle

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.

CFPB complaint

April 2023

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.

CFPB complaint

April 2022

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.

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

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).

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.

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.

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.