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Chase travel insurance benefits

Chase credit cards offer some of the most comprehensive travel insurance policies – especially if you're willing to pay a higher annual fee


Many Chase credit cards offer exceptional travel insurance benefits, such as primary auto rental coverage, travel cancellation insurance and many others. However, the best protections come with a high annual fee.

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If you’re traveling and facing unforeseen circumstances, you might be in luck if you carry a Chase credit card.

Chase cards are known as some of the best travel cards, and it’s not only because of their high rewards rates and valuable perks. Chase offers significant protections to cardholders, including primary or secondary car rental insurance, trip cancellation coverage and more.

See related: Your guide to travel insurance ahead of your next trip

The fast-developing COVID-19 situation has brought a lot of uncertainty when it comes to travel plans. Many cardholders wonder if their travel insurance benefits can help them get reimbursement for delayed and canceled trips.

In this guide, we’re going to take a look at travel insurance benefits offered with Chase credit cards to see what’s covered – and what isn’t.

Trip cancellation/interruption and delay insurance

Chase’s trip cancellation insurance can cover your non-refundable travel expenses if your trip is canceled or interrupted. The policy covers the cardholder and their immediate family members, even if the cardholder isn’t traveling with them. Note that in this case, the trip expenses still need to be charged on the cardholder’s eligible card.

Examples of what Chase’s travel insurance policy covers include:

  • Accidental injury or sickness
  • Severe weather that results in cancellation or interruption of a trip
  • Terrorist action or hijacking
  • Jury duty or a court subpoena that can’t be rescheduled

See related: Trip canceled? Your credit card may reimburse you

Make sure to check your benefits guide to find what your policy doesn’t cover. For instance, Chase won’t reimburse you if you’re traveling against your doctor’s advice, or if you’ve changed your plans due to financial circumstances.

Travel delay reimbursement, on the other hand, covers expenses like lodging and food if a trip booked with your eligible card is delayed by the common carrier (airline, ship, etc.) for more than 12 hours or requires an overnight stay. Chase can cover up to $500 for each ticket and up to one hazard per trip.

Note that you can only get reimbursed if you have paid for your travel arrangements with your eligible Chase card. It’s also important to remember that both cancellation and delay insurance policies are secondary. That means they kick in after you get reimbursement from your primary travel insurance.

Which Chase cards offer trip cancellation or delay insurance?

CardRewards rateAnnual feeTrip cancellation or delay insurance
Chase Sapphire Reserve®


  • 10 points per dollar on Lyft purchases
  • 10 points per dollar on hotels and car rentals purchased through the Chase portal
  • 5 points per dollar on air travel purchased through the Chase portal
  • 3 points per dollar on other travel and restaurants
  • Earn elevated rewards on all travel purchases immediately after earning the $300 annual travel credit
  • 1 point per dollar on general purchases
Chase Sapphire Preferred® Card
  • 5 per dollar on Lyft purchases
  • 5 points per dollar on travel purchased through the Chase portal
  • 3 points per dollar on restaurants
  • 2 points per dollar on other travel
  • 1 point per dollar on general purchases
Ink Business Preferred® Credit Card
  • 3 points per dollar on travel, shipping, internet, cable, phone services and advertising purchases (on up to $150,000 combined purchases yearly)
  • 1 point per dollar on general purchases
United Club℠ Infinite Card
  • 4 miles per dollar on United purchases
  • 2 miles per dollar on all other travel (including other airlines)
  • 2 miles per dollar on dining
  • 1 mile per dollar on other purchases
United℠ Business Card*
  • 2 miles per dollar on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and ride share services
  • 2 miles per dollar at gas stations, restaurants and office supply stores
  • 2 miles per dollar on United purchases
  • 1 mile per dollar on all other purchases
United Explorer Card
  • 2 miles per dollar on hotels, restaurants and directly purchased United tickets
  • 1 mile per dollar on other purchases
$95, $0 first yearBoth
World of Hyatt Credit Card
  • 4 points per dollar on Hyatt hotel purchases (on top of 5 base points per dollar earned by regular World of Hyatt members)
  • 2 points per dollar on restaurants, directly purchased airfare, local transit, commuting and gym and fitness club memberships
  • 1 point per dollar on other purchases
IHG® Rewards Club Premier Credit Card
  • Up to 25 points per dollar on IHG hotel stays (10 points per dollar as a cardholder in addition to 15 points per dollar earned as an IHG Rewards Club member)
  • 2 points per dollar on gas station, grocery store and restaurant purchases
  • 1 point per dollar on other purchases
$89Trip cancellation/interruption
Marriott Bonvoy Boundless® Credit Card
  • 6 points per dollar at Marriott Bonvoy hotels
  • 2 points per dollar on other purchases
$95Trip delay reimbursement
Marriott Bonvoy Bold® Credit Card
  • 3 points per dollar spent at Marriott Bonvoy properties
  • 2 points per dollar on other travel purchases
  • 1 point per dollar on all other purchases
$0Trip delay reimbursement

Lost luggage reimbursement and baggage delay insurance

It can be extremely frustrating to have your baggage delayed, let alone lost. If you find it difficult to get fully reimbursed by an airline or another carrier, your Chase travel insurance benefits can come in handy.

For instance, if your baggage is delayed, you can get reimbursement for essentials like clothes and toiletries. If it’s lost, the policy can cover the value of your belongings.

Chase’s lost or delayed luggage coverage is secondary. You’ll need to file a claim with the carrier first to get reimbursed, and your Chase baggage insurance can cover the rest up to a certain limit.

Premium cards, such as Chase Sapphire Reserve, Chase Sapphire Preferred, the Ink Business Preferred and the Hyatt Credit Card offer the best protections for your luggage. They can cover the belongings in your baggage for up to $3,000 per person and reimburse you up to $100 a day for up to five days if your baggage is delayed.

Travel accident insurance

While we all travel hoping the worst won’t happen, it’s nice to have peace of mind knowing that you’re covered against it.

Travel accident insurance covers events such as accidental death and dismemberment, as well as a combined loss of speech, hearing or sight that happened during a covered trip. Chase breaks down this coverage in two benefit types: common carrier travel accident insurance and 24-hour travel accident insurance.

Common carrier insurance offers coverage for accidents occurring when entering, exiting or traveling on a plane, train, bus or other common carrier. Twenty-four-hour insurance provides benefits for the entire trip’s length up to 30 days. It kicks in on the departure date and ends on the return date printed on the tickets. You can only use one type of insurance at a time.

The majority of Chase credit cards offering this travel benefit pay up to $500,000 in common carrier insurance and $100,000 in 24-hour insurance.

Auto rental collision damage waiver

On a qualifying Chase card, an auto rental collision damage waiver can reimburse you for theft or damage from a collision to a rental vehicle. It covers the cardholder listed as the primary renter and authorized drivers.

See related: Using the rental car insurance benefit with the Chase Sapphire cards

Chase isn’t the only card issuer that provides car rental insurance on its cards, but it stands out for offering primary coverage. With primary coverage, you don’t have to file a claim with your primary insurance carrier before submitting a claim for reimbursement from Chase.

CardPrimary or secondary coverage?
Chase Sapphire Reserve®Primary
Chase Sapphire Preferred® CardPrimary
Ink Business Preferred® Credit CardPrimary when renting for business
United Club℠ Infinite CardPrimary
United℠ Business CardPrimary when renting for business
United Explorer CardPrimary
World of Hyatt Credit CardSecondary (Primary when renting outside the U.S.)
IHG® Rewards Club Premier Credit CardSecondary (Primary when renting outside the U.S.)
Marriott Bonvoy Boundless® Credit CardSecondary (Primary when renting outside the U.S.)
Marriott Bonvoy Bold® Credit CardSecondary (Primary when renting outside the U.S.)

Chase’s car rental insurance policy is also quite generous. With most of its cards, you can get reimbursed up to the cash value of the rental vehicle. And with Chase Sapphire Reserve, the maximum coverage amount goes up to $75,000 – a level of car rental protection that’s hard to beat.

To activate coverage, use your eligible Chase credit card to pay for the rental and decline the rental’s company collision damage waiver.

Make sure to read your benefits guide to check what is and isn’t covered under your card’s policy. For example, certain types of vehicles (like luxury cars or passenger vans) are excluded from the coverage, as well as damage done to other cars.

Roadside dispatch and travel assistance

Besides travel insurance, many Chase credit cards also come with perks like roadside dispatch and travel and emergency assistance. Check your benefits guide to see if your card is eligible.

If you run into a problem while on a trip, you can call 1-888-320-9961 for medical and legal referrals, as well as other types of assistance. The service is free, but you’ll have to pay for any third-party costs, such as doctor visits or transportation.

If you’re stranded at the side of the road and need help with a tire change or jumpstart, you can call Chase at 1-800-847-2869 for roadside dispatch. It charges a flat fee per service call and provides:

  • Towing (up to five miles)
  • Jumpstarting
  • Tire changing (you must have a good spare)
  • Lockout service
  • Winching (within 100 feet of paved road)
  • Fuel delivery (up to five gallons – the fuel’s cost isn’t included)

See related: Roadside assistance, your credit card’s little known benefit

Premium cards, including the Chase Sapphire Reserve, United Explorer Card and United Club Infinite, qualify for roadside assistance – which offers more coverage than roadside dispatch. For the same services listed above, these qualifying cards cover the cost of up to $50 per service event and up to four events per year.

How to file a travel insurance claim with Chase

If any of the events described above apply to your situation, you can submit your claim online at the Chase claim center. You’ll be prompted to enter your card information, choose the type of claim and provide your personal information.

After that, you’ll need to provide details of your claim and documents to substantiate it. This is the most important and complicated step in the process. Check your benefits guide for required documentation to make sure you have everything you need.

Remember that if you’re using secondary coverage, you’ll have to provide proof you’ve filed a claim with your primary insurance or carrier first.

Once you have provided all the necessary proof and documents, you can submit your claim.

Which is the best Chase card for travel insurance benefits?

Many Chase cards offer significant travel protections, but the Chase Sapphire Reserve is superior in many ways – not only to other Chase cards, but to cards from other issuers as well. It offers primary car rental insurance, high amounts of coverage on all travel insurance benefits and extras like roadside assistance. On top of that, it comes with emergency evacuation and transportation, as well as emergency medical and dental benefits.

See related: Making the most of your Chase Sapphire Reserve benefits and perks

Emergency evacuation and transportation can cover you if you’re injured or fall ill during a trip that you paid for with your Chase Sapphire Reserve card. It pays for medical services and transportation when you need to evacuate. The coverage amount is $100,000, and the insurance is secondary to other policies you may have.

With medical and dental benefit, you can be reimbursed for urgent medical expenses during your trip that are not covered by your primary medical insurance. It pays up to $2,500 for necessary medical services and $75 per day for a hotel stay if ordered by the physician (up to five days).

If you’re a frequent traveler who’s looking for the best travel insurance benefits available in the market, the Chase Sapphire Reserve might be a good option for you. The benefits paired with rewards can offset a high annual fee. However, if the fee seems too high, other Chase cards are worth looking into, as they also offer decent coverage to keep you safe in your travels.

Bottom line

Having a card with good travel insurance benefits can save you hundreds or even thousands of dollars – and a lot of stress. Chase credit cards offer excellent travel insurance benefits, especially if you don’t mind paying a substantial annual fee.

See related: Best credit cards for travel insurance

Always take time to read your benefits guide to know exactly what your card is eligible for. If you’re looking for a new credit card, make sure to research what it offers, including travel benefits, so you can make an educated decision.

*All information about the United Business Card has been collected independently by and has not been reviewed by the issuer. 

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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