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Guide to Chase travel insurance 2021

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

Steven Dashiell

Updated Apr 8, 2021. What changed?

Fact checked

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.

What's in this guide?

Trip cancelation/interruption insurance
Trip delay reimbursement
Baggage delay insurance
Lost luggage reimbursement
Auto rental collision damage waiver
Travel accident insurance
Emergency medical and dental benefit
Emergency evacuation and transportation
Travel insurance provided by Chase credit cards
Compare Chase credit cards with travel insurance
Does my travel insurance cover coronavirus?
How to file a Chase travel insurance claim

Trip cancelation/interruption insurance

Who is eligible	The 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 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.

Trip delay reimbursement

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	Delay that was made public or known to you before departure for the covered trip Prepaid expenses
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

Baggage delay insurance

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: 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 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.

Lost luggage reimbursement

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.

Auto rental collision damage waiver

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. Use your elibigle card to pay for the full car rental. Decline the rental company’s collision damage waiver (CDW) if offered. If the rental company insists that you purchase CDW, call the Chase benefits administrator at 888-675-1461 for help.
What is included	Your 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 included	Vehicles 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 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.

Travel accident insurance

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: 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 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.

Emergency medical and dental benefit

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	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 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.

Emergency evacuation and transportation

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	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 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.

Travel insurance provided by Chase credit cards

	Baggage delay insurance	Cell phone protection	Lost luggage reimbursement
Chase Freedom Flex℠	No	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	No
Chase Freedom Unlimited®	No	No	No
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	No	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	No	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	No	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 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	No	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	No	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	No	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	No	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	No	No	No
United℠ 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	No	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 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	No	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 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	No	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	No	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	No	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	No	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	No	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	No	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	No	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	No	No
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	No	No
Starbucks Rewards™ Visa® Card	No	No	No
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	No	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 Flex℠	Covered up to the actual cash value of the rental car. Secondary coverage	No	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	No
Chase Freedom Unlimited®	Covered up to the actual cash value of the rental car. Secondary coverage	No	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	No
Chase Sapphire Preferred® Card	Covered up to the actual cash value of the rental car. Primary coverage	No	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
United℠ Explorer Card	Covered up to the actual cash value of the rental car. Primary coverage	No	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	No	No	No	No
Southwest Rapid Rewards® Plus Credit Card	No	No	No	No
Southwest Rapid Rewards® Premier Credit Card	No	No	No	No
United Club℠ Infinite Card	Covered up to the actual cash value of the rental car. Primary coverage	No	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 Gateway℠ Card	Covered up to the actual cash value of the rental car. Secondary coverage	No	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	No
Marriott Bonvoy Boundless™ Credit Card	No	No	No	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	No	No	No	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	No	No	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	No
Aer Lingus Visa Signature® Credit Card	No	No	No	No
Iberia Visa Signature® card	No	No	No	No
British Airways Visa Signature® Card	No	No	No	No
IHG® Rewards Club Premier Credit Card	No	No	Reimbursed up to $5,000 per trip for prepaid, nonrefundable passenger fares, if the trip is canceled or cut short by covered situations	No
Disney® Premier Visa® Card	No	No	No	No
Disney® Visa® Card	No	No	No	No

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

Compare Chase credit cards with travel insurance

Name	Rewards	Purchase APR	Annual fee
Chase Sapphire Preferred® Card	5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases	15.99% to 22.99% variable	$95	Apply now View details	Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.	Compare	loading Fetching your data...
Chase Sapphire Reserve®	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	16.99% to 23.99% variable	$550	Apply now View details	Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.	Compare	loading Fetching your data...
Chase Freedom Unlimited®	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	Now earning 5% on Chase Travel Portal purchases, this card has become a worthy travel card pick. Also get up to 5% on other everyday purchases.	Compare	loading Fetching your data...

Compare up to 4 providers

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:

Call 888-675-1461 to file a claim.
Complete the claim form you will receive.
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

Frequently asked questions

Is everything in my baggage covered under baggage delay insurance?
No. Only essential items such as clothing, toiletries or charging cables are included in your baggage delay insurance.

Are my immediate family members covered for lost luggage if I’m not traveling with them?
Yes. Lost luggage insurance covers your family members so long as you’ve charged a portion of their common carrier fare with your card.

How long do I have to file my claims?
The time available to file your travel insurance claims depends on the particular insurance coverage. Check out your benefits guide to learn more.

Thank you for your feedback!

Steven Dashiell

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Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

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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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