There are plenty of factors to consider when choosing a credit card, but while you're sizing up interest rates and rewards, it's also important to consider the protections your card can offer you, especially if you use your card to travel. Recently, WalletHub released a report for which they examined 92 credit cards from the 10 largest issuers to figure out which cards offer the best protection when traveling for both personal and business purposes. They looked at several areas of coverage as they compared the cards' travel insurance offerings.

Travel accident insurance

The average policy includes $250,000 of death and dismemberment coverage for the primary cardholder and authorized users and their spouse or domestic partner. The best cards, WalletHub states, offer up to $500,000 of death and dismemberment coverage, which extends beyond the primary cardholder to not only their spouse/partner, but also any dependent children and sometimes even more distant family members, such as parents-in-law.

Luggage insurance

WalletHub found the average credit card with travel insurance included $3,000 of lost luggage coverage, but no coverage for delayed luggage. Meanwhile, the best policies offer not only $3,000 of coverage for lost luggage, but $500 for delayed luggage, which helps reimburse the cardholder for necessary personal and business items they must replace before their bag arrives.

Travel delay/ cancellation insurance

The average credit card doesn't offer any kind of delay or cancellation coverage, the report found. However, some policies offer as much as $20,000 per trip if it is cancelled or cut short and up to $500 if a trip is delayed more than 12 hours. In the slideshow above, we'll look at WalletHub's choices for the credit cards with the strongest coverage offerings for both personal and business travelers.

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