It's a big question before you go away: should you get travel insurance, or is it okay not to? According to Bhtp.com, when you sign up for travel insurance, you're making sure that you're all set if someone takes your suitcases or they don't make it to your destination. Travel insurance also helps if you can't go on your vacation after all, or you get injured or sick. This could even help if you rent a vehicle and it ends up getting messed up.

But instead of paying for travel insurance, which can come at a pretty hefty price (according to Insuremytrip.com, it could be $200-$500 if the vacation costs $5,000), what if you have a top tier credit card that offers up these kinds of benefits?

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Here are what some top tier credit cards already cover.

Amazon Prime Rewards Visa Signature Card: Awesome For Lost Luggage

According to The Wire Cutter, the Amazon Prime Rewards Visa Signature Card is a good idea: the website explains, "one of the Amazon credit card’s benefits is travel insurance, which can be worth hundreds (or even thousands) of dollars in potential value."

No one wants to think about getting hurt or a relative passing away on a trip, so the Travel Accident Insurance will make sure that there is coverage in the unfortunate event that this happens. The coverage is a total of $500,000 and covers "accidental death while traveling via common carrier."

With this credit card, you also get $3,000 worth of coverage per person if you buy a plane ticket using the card and if your suitcase gets lost or ruined. You also get "Baggage Delay Insurance" and can charge $100 per day for a total of three days for toothbrushes, new clothing, and so on. That is super handy.

Scotiabank Passport Visa Infinite Card: Great If You Get Delayed

According to Money Sense, this is a good credit card if you travel a lot. You'll pay $139 each year and are able to sit in a lounge at the airport for free, which is a nice perk. According to the Scotiabank website, you'll get "Priority Pass™ membership" and can sit in the lounge six times annually.

This is an awesome card in case you wind up getting delayed. If you're held up for even four hours, you can use the travel insurance for "accommodations, food, and even personal items" for a total of $500. This is the best news ever since there is literally nothing worse than having your flight canceled and realizing that you have to stay in a hotel for an extra night. When you're already paying quite a lot for a week-long vacation, you don't exactly want to do that.

The most important thing to remember about this particular credit card is that you need to use it when making purchases, like plane tickets, and that's how you're able to redeem the travel insurance. You'll also be able to rest assured that if your suitcases don't make it to your destination with you, you'll be fine. You also get Travel Emergency Medical Insurance. If you're 65 and up, you get this insurance for 10 days total, and if you're younger than that, it's 25 days.

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The Platinum Card® from American Express: Protects You If You Can't Make Your Trip After All (For Some Specific Reasons)

Another good option is the Platinum Card® from American Express. Here's one amazing aspect of this card, according to the official website: if you use it for your plans, you'll get coverage of $2,500 for each person if you don't end up going on your vacation. This is if you don't go on the trip for "a covered reason."

What would that be? According to The Points Guy, for the Chase Sapphire card, it would be jury duty, "severe weather," someone getting so ill that they definitely couldn't travel, a "quarantine," and so on. It seems that these are pretty standard for many cards. You won't be able to say that you canceled your trip because you couldn't afford it after all, though. Travelinsurancereview.net says that other covered reasons are usually "school year extension" or "Required to work, terminated, or transferred" and "legal separation or divorce."

You'll also get Hotel/Motel Burglary Insurance: if someone steals things from your motel or hotel room, you'll be covered for $1,000 at the most. This doesn't work if you have money stolen, but it's still an awesome thing to have.

If you're debating whether it's a good idea to get travel insurance, consider these three different top-tier credit cards that offer these types of benefits. It makes sense to be able to use your credit card for all of your planning and know that you have some good travel insurance, too.

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