Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Our pick for Chase travel insurance: Chase Sapphire Reserve®
50,000-point
Signup bonus after spending $4,000 in first 3 months
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
| Who is eligible | The cardholder and their immediate family members are covered. |
| What is included |
|
| What isn’t included |
|
| Coverage amounts | Depending 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 file | If 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. |
| Who is eligible | The cardholder, their spouse or domestic partner and dependent children under 22 years of age are eligible for the reimbursement. |
| What is included | Whenever 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 |
|
| Coverage amounts | You are covered up to $500 for each purchased ticket. The coverage applies to one covered hazard per trip. |
| When to file | Call 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 |
| Who is eligible | The main cardholder, their spouse or domestic partner and immediate family members are covered with the baggage delay insurance. |
| What is included | Whenever 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 included | Items that aren’t covered with the insurance are:
|
| Coverage amounts | Depending on the card, you are covered for $100 per day for either up to three or up to five days. |
| When to file | You 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. |
| Who is eligible | The main cardholder and immediate family members. |
| What is included | Your checked baggage, carry-on baggage and personal property within the baggage on a common carrier covered trip. |
| What isn’t included | Documents or valuable papers, money, securities, tickets, checks, traveler’s checks or furs aren’t covered with the insurance. |
| Coverage amounts | You 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 file | Report 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. |
| Who is eligible | The 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.
|
| What is included | Your rental car is covered for 31 consecutive days. The coverage includes:
|
| What isn’t included | Vehicles not covered by the insurance are:
Other instances where you aren’t covered include:
|
| Coverage amounts | The 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 file | Call 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. |
| Who is eligible | The cardholder and their immediate family, even if the cardholder isn’t traveling with them. |
| What is included | The travel accident insurance benefit comes in two forms:
Note: You can only claim benefits from one insurance for the same accident. |
| What isn’t included |
|
| Coverage amounts |
|
| When to file | You 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. |
| Who is eligible | The 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 |
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 |
|
| Coverage amounts |
|
| When to file | You must immediately call the benefits administrator. They will send you a claim form, which you must submit 180 days from the date of occurrence. |
| Who is eligible | The 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 |
|
| What isn’t included |
|
| Coverage amounts | You are covered up to $100,000. |
| When to file | Contact 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. |
| Chase Freedom Flexâ„ |  | 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 | |
| Chase Freedom Unlimited® | | | |
| Chase Sapphire Preferred® Card | 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 | | 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 | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 |
| Unitedâ„ Explorer Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Gatewayâ„ Card | | | |
| Unitedâ„ Explorer Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Boundlessâ„¢ Credit Card | 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 | | 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 Boldâ„¢ credit card | 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 | | 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 Card | 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 | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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® Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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® card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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® Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | |
| Disney® Visa® Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | |
| Starbucks Rewards™ Visa® Card | | | |
| Amazon Prime Rewards Visa Signature Card | Reimburses for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days | | 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 waiver | Emergency evacuation and transportation | Trip cancellation and trip interruption insurance | Trip delay reimbursement | |
|---|---|---|---|---|
| Chase Freedom Flexâ„ | Covered up to the actual cash value of the rental car. Secondary coverage | | 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 | |
| Chase Freedom Unlimited® | Covered up to the actual cash value of the rental car. Secondary coverage | | 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 | |
| Chase Sapphire Preferred® Card | Covered up to the actual cash value of the rental car. Primary coverage | | 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 situations | 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 |
| Chase Sapphire Reserve® | Reimbursement of up to $75,000. Primary coverage | Covered up to $100,000 | 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 situations | 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 |
| Unitedâ„ Explorer Card | Covered up to the actual cash value of the rental car. Primary coverage | | 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 | 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 |
| Southwest Rapid Rewards® Priority Credit Card | | | | |
| Southwest Rapid Rewards® Plus Credit Card | | | | |
| Southwest Rapid Rewards® Premier Credit Card | | | | |
| United Clubâ„ Infinite Card | Covered up to the actual cash value of the rental car. Primary coverage | | 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 situations | 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 |
| United Gatewayâ„ Card | Covered up to the actual cash value of the rental car. Secondary coverage | | 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 | |
| Marriott Bonvoy Boundlessâ„¢ Credit Card | | | | 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 Boldâ„¢ credit card | | | | 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 | | | 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 | |
| Aer Lingus Visa Signature® Credit Card | | | | |
| Iberia Visa Signature® card | | | | |
| British Airways Visa Signature® Card | | | | |
| IHG® Rewards Club Premier Credit Card | | | Reimbursed up to $5,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations | |
| Disney® Premier Visa® Card | | | | |
| Disney® Visa® Card | | | | |
To receive these benefits, you need to make the relevant purchase using your Chase credit card.
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.
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.
Filing up a claim is simple. Here’s how to do it:
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.
Compare the best small business tax software if you’re self-employed, a freelancer, a partner and more.
Two great cards for building your credit score.
CIT Savings Connect combines aspects of a checking and savings account in one product.
Sephora regulars get to earn rewards on their purchases.
See how much interest you could earn with a savings account from Capital One.
An online savings account with a tiered interest model but not-so-competitive rates.
Help your child learn to spend and save wisely with a virtual, COPPA-compliant debit card.
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Here are our top balance transfer picks for 2021.
Here are our top picks for 2021.
