Compare Chase credit cards with travel insurance

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Guide to Chase travel insurance 2021

See which cards have travel insurance, what's covered and how to use it.

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Our pick for Chase travel insurance: Chase Sapphire Reserve®

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Chase offers a strong variety of travel insurance coverage options, including trip cancellation insurance. Best of all, these perks can be found on many of Chase’s credit cards, though you’ll find the best selection on Chase’s higher-end cards. However, not all Chase credit cards offer the entire suite of travel insurance benefits.

Trip cancelation/interruption insurance

Who is eligibleThe cardholder and their immediate family members are covered.
What is included
  • Injury, death or sickness
  • Change in military orders
  • Severe weather that prevents the start or continuation of your trip
  • Terrorist attack or hijacking
  • Jury duty or a court subpoena that cannot be postponed or waived
  • Financial insolvency of the tour operator that organized the trip
What isn’t included
  • Cancelation or changes by the tour operator unless the cancellation is due to severe weather or an organized strike affecting public transportation
  • Change in plans or financial circumstances of the covered person
  • A pre-existing condition or traveling against the advice of a physician
  • A declared or undeclared war
  • Trips longer than 60 days
Coverage amountsDepending on the card, Chase will reimburse all covered persons for the non-refundable amount you paid either up to $1,500 or up to $10,000 per person with a maximum limit of $6,000 or $20,000 per occurrence.
When to fileIf you cancel your trip due to health issues, you must notify the travel agent within 48 hours of receiving advice from a physician that traveling isn’t recommended for you.

File a written claim within 20 days after the occurrence. You can also call 888-675-1461 for information or to file a claim. Chase will send you a claim form. Submit the completed claim form with supporting documentation within 90 days from the date of occurrence.

Trip delay reimbursement

Who is eligibleThe cardholder, their spouse or domestic partner and dependent children under 22 years of age are eligible for the reimbursement.
What is includedWhenever your trip is delayed for more than 12 hours and requires an overnight sleep, Chase will reimburse you for essential expenses, such as meals, lodging, toiletries, medication and other items for personal use.
What isn’t included
  • Delay that was made public or known to you before departure for the covered trip
  • Prepaid expenses
Coverage amountsYou are covered up to $500 for each purchased ticket. The coverage applies to one covered hazard per trip.
When to fileCall the benefits administrator within 60 days following the date of the delay. You will then receive a claim form. Submit the completed form with any required documents within 100 days of the date of the delay.

To file a claim or to get more information, call 888-675-1461. You can also file a claim at www.eclaimsline.com

Baggage delay insurance

Who is eligibleThe main cardholder, their spouse or domestic partner and immediate family members are covered with the baggage delay insurance.
What is includedWhenever your baggage is delayed for more than six hours on a common carrier covered trip, you can get reimbursement for the purchase of essential items, such as clothing, toiletries and a cell phone charging cable.
What isn’t includedItems that aren’t covered with the insurance are:
  • Contact lenses, eyeglasses and hearing aids
  • Tickets, documents, money, securities, checks, traveler’s checks and valuable papers
  • Jewelry and watches
  • Business samples
  • Cameras, video recorders, mobile phones and other electronic equipment and their accessories
Coverage amountsDepending on the card, you are covered for $100 per day for either up to three or up to five days.
When to fileYou must file a written claim within 20 days after the occurrence. The benefits administrator will send you a claim form. Submit the completed claim form and other documentation, if required, within 90 days from the date of occurrence.

For more information call 888-675-1461.

Lost luggage reimbursement

Who is eligibleThe main cardholder and immediate family members.
What is includedYour checked baggage, carry-on baggage and personal property within the baggage on a common carrier covered trip.
What isn’t includedDocuments or valuable papers, money, securities, tickets, checks, traveler’s checks or furs aren’t covered with the insurance.
Coverage amountsYou get up to $3,000 coverage per insured person per covered trip. This includes coverage for jewelry, watches and electronics which cannot exceed $500 within the maximum limit of the coverage of $3,000.
When to fileReport the loss or damage to the common carrier immediately after exiting the carrier. To receive any reimbursement from Chase, you must provide proof that you submitted a report to the carrier.

File a written claim within 20 days after the occurrence and the benefits administrator will send you a claim form. Submit a completed claim form and supporting documents within 90 days from the date of occurrence.

For more information call 888-675-1461.

Auto rental collision damage waiver

Who is eligibleThe main cardholder and authorized persons are eligible for the auto rental collision damage waiver. But you have to activate it first.

How to activate the auto rental collision damage waiver.

  1. Use your elibigle card to pay for the full car rental.
  2. Decline the rental company’s collision damage waiver (CDW) if offered.
  3. If the rental company insists that you purchase CDW, call the Chase benefits administrator at 888-675-1461 for help.
What is includedYour rental car is covered for 31 consecutive days. The coverage includes:
  • Physical damage or theft
  • Towing charges to take the vehicle to the nearest repair facility
  • Charges incurred by the rental car company while the damaged vehicle is being repaired
What isn’t includedVehicles not covered by the insurance are:
  • Antique automobiles
  • Vans for more than eight people
  • Vehicles with an open cargo bed
  • Trucks
  • Motorcycles, mopeds and motorbikes
  • Limousines and recreational vehicles

Other instances where you aren’t covered include:

  • If you sign a CDW with the car rental company
  • Injury inside or outside the vehicle
  • Confiscation by authorities
  • Violation of the auto rental agreement
  • Loss or theft of personal belongings
Coverage amountsThe auto rental coverage provides reimbursement of up to $75,000 or up to the cash value of the car. This is either a primary coverage, which means you don’t have to file a claim with other insurance agencies before you can claim your benefits, or a secondary coverage, depending on the card.
When to fileCall the benefits administrator right away to report theft or damage. The administrator will answer any questions you may have and send you a claim form. You can file a claim online at www.eclaimsline.com.

You must report the incident within 60 days of the occurrence. Then you must postmark your completed claim form within 100 days of the date of the accident. Also, you must send a copy of your receipt or monthly billing statement showing that the entire vehicle rental was charged to your eligible card.

Travel accident insurance

Who is eligibleThe cardholder and their immediate family, even if the cardholder isn’t traveling with them.
What is includedThe travel accident insurance benefit comes in two forms:
  • Common Carrier Travel Accident Insurance. Covers the loss when entering, exiting, or riding as a passenger on a common carrier. This means the coverage doesn’t apply while you’re at the hotel or the beach.
  • 24 Hour Travel Accident Insurance. Covers loss starting from the departure date printed on your ticket and ends on the return date printed on the ticket. You are covered for 30 consecutive days, 24 hours a day.

Note: You can only claim benefits from one insurance for the same accident.

What isn’t included
  • Emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection
  • The act or attempt of a felony
  • Parachute jumping, races or any sporting activity for which salary or prize money is earned
  • A declared or undeclared war
  • Trips on a scheduled aircraft that are not registered or certified by the government or governmental authority
Coverage amounts
  • Common Carrier Travel Accident Insurance. Loss of life benefit is up to $1,000,000, depending on the card.
  • 24 Hour Travel Accident Insurance. Benefit amount for loss of life is up to $100,000, depending on the card.
When to fileYou must file a written claim within 20 days after the accident. After that, the benefit administrator will send you a claim form. Submit a completed claim form with supporting documentation within 90 days from the date of the accident.

Emergency medical and dental benefit

Who is eligibleThe cardholder, their spouse or domestic partner and dependent children under 18 years old. If your children are full-time students, they are covered under 25 years of age.
What is included
  • Services of a qualified physician, surgeon, nurse, dentist or osteopath
  • Hospital and operating room charges
  • Charges for anesthetics, x-ray exams and lab tests
  • Ambulance services
  • Drugs, medicines, and therapeutic services and supplies

This only applies to a treatment you receive during your covered trip from the recommendation of an attending physician. The trip duration must be between five and 60 days and you must be 100 miles or more from home for the insurance to apply.

What isn’t included
  • Non-emergency services, supplies or charges
  • Care provided by anyone other than hospital professionals and physicians or dentists
  • Experimental care
  • Care in countries that are determined to be unsafe for travel by the US government
  • Care not medically necessary as determined by the benefit administrator
Coverage amounts
  • $2,500 subject to a $50 deductible
  • $75 per day for hotel convalescence, up to five days
When to fileYou must immediately call the benefits administrator. They will send you a claim form, which you must submit 180 days from the date of occurrence.

Emergency evacuation and transportation

Who is eligibleThe cardholder, their spouse or domestic partner and dependent children under 18 years old are eligible. If the children are full-time students, they are covered if they are under 25 years of age.
What is included
  • Transportation, medical services and medical supplies necessary for your evacuation
  • Transportation, such as air ambulances, land ambulances and private motor vehicles
What isn’t included
  • Travel to obtain medical treatment
  • Non-emergency services, supplies or charges
  • Care which is experimental
Coverage amountsYou are covered up to $100,000.
When to fileContact the benefits administrator immediately for preapproval and to receive a claim form.
After you receive the form, submit it along with any required documents within 180 days of the date of the occurrence.

Note: The trip duration must be between five and 60 days and you must be 100 miles or more from home.

Travel insurance provided by Chase credit cards

Baggage delay insurance
Cell phone protection
Lost luggage reimbursement
Chase Freedom Flex℠
Nox
Up to $800 per claim and $1,000 per year against theft or damage for phones listed on your monthly cell phone bill when you pay it with your Freedom Flex credit card. Maximum of 2 claims in a 12 month period with a $50 deductible per claim
Nox
Chase Freedom Unlimited®
Nox
Nox
Nox
Chase Sapphire Preferred® CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Chase Sapphire Reserve®Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Southwest Rapid Rewards® Priority Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
United℠ Explorer CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Southwest Rapid Rewards® Plus Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Southwest Rapid Rewards® Premier Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
United Club℠ Infinite CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
United Gateway℠ Card
Nox
Nox
Nox
United℠ Explorer CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Marriott Bonvoy Boundless™ Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Marriott Bonvoy Bold™ credit cardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
World of Hyatt Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Aer Lingus Visa Signature® Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
British Airways Visa Signature® CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Iberia Visa Signature® cardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
IHG® Rewards Club Premier Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
IHG® Rewards Club Traveler Credit CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Disney® Premier Visa® CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Nox
Disney® Visa® CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Nox
Starbucks Rewards™ Visa® Card
Nox
Nox
Nox
Amazon Prime Rewards Visa Signature CardReimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Nox
Up to $3,000 per insured person per covered trip. Reimbursement of jewelry, watches and electronics cannot exceed $500 within the maximum coverage amount of $3,000
Auto rental collision damage waiverEmergency evacuation and transportationTrip cancellation and trip interruption insuranceTrip delay reimbursement
Chase Freedom Flex℠Covered up to the actual cash value of the rental car. Secondary coverage
Nox
Reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations
Nox
Chase Freedom Unlimited®Covered up to the actual cash value of the rental car. Secondary coverage
Nox
Reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations
Nox
Chase Sapphire Preferred® CardCovered up to the actual cash value of the rental car. Primary coverage
Nox
Reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situationsUp to $500 per ticket reimbursement when common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging
Chase Sapphire Reserve®Reimbursement of up to $75,000. Primary coverageCovered up to $100,000Reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situationsUp to $500 per ticket reimbursement when common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging
United℠ Explorer CardCovered up to the actual cash value of the rental car. Primary coverage
Nox
Reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situationsUp to $500 per ticket reimbursement when common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging
Southwest Rapid Rewards® Priority Credit Card
Nox
Nox
Nox
Nox
Southwest Rapid Rewards® Plus Credit Card
Nox
Nox
Nox
Nox
Southwest Rapid Rewards® Premier Credit Card
Nox
Nox
Nox
Nox
United Club℠ Infinite CardCovered up to the actual cash value of the rental car. Primary coverage
Nox
Reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situationsUp to $500 per ticket reimbursement when common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging
United Gateway℠ CardCovered up to the actual cash value of the rental car. Secondary coverage
Nox
Reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations
Nox
Marriott Bonvoy Boundless™ Credit Card
Nox
Nox
Nox
Up to $500 per ticket reimbursement when common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging
Marriott Bonvoy Bold™ credit card
Nox
Nox
Nox
Up to $500 per ticket reimbursement when common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging
World of Hyatt Credit Card
Nox
Nox
Reimbursed up to $5,000 per person and $10,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations
Nox
Aer Lingus Visa Signature® Credit Card
Nox
Nox
Nox
Nox
Iberia Visa Signature® card
Nox
Nox
Nox
Nox
British Airways Visa Signature® Card
Nox
Nox
Nox
Nox
IHG® Rewards Club Premier Credit Card
Nox
Nox
Reimbursed up to $5,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations
Nox
Disney® Premier Visa® Card
Nox
Nox
Nox
Nox
Disney® Visa® Card
Nox
Nox
Nox
Nox

To receive these benefits, you need to make the relevant purchase using your Chase credit card.

Compare Chase credit cards with travel insurance

Who is eligible for Chase travel insurance coverage?

All Chase travel cardmembers receive coverage provided they make eligible purchases with their card, such as booking a flight or renting a partnered car.

Additionally, some coverage options extend to a cardmember’s immediate family as well, even when they’re not traveling with the cardholder.

Does my travel insurance cover coronavirus?

In most cases, you’ll need to actually become sick with coronavirus for your credit card’s travel interruption and cancellation or medical emergency transportation to kick in. You can read our guide to find out more about coronavirus coverage.

How to file a Chase travel insurance claim

Filing up a claim is simple. Here’s how to do it:

  1. Call 888-675-1461 to file a claim.
  2. Complete the claim form you will receive.
  3. Send the form back with all other required documents.

Bottom line

Chase offers a great selection of travel insurance across its cards, even offering some protections not provided by competitors. With so many cards to choose from, compare your options to make sure you’re getting the best combination of travel insurance and purchasing power. But if you’re not the biggest Chase fan, take a look at other credit cards with travel insurance to find one that fits your needs.

Travel insurance offered by different brands

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