April 17, 2021 • 13 min read This
post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page. This is a recurring post, regularly updated with new information. Chase credit cards are often top of mind when travelers are booking trips because of their superior protections. Chase is one of very few major U.S. credit card issuers that offers a full suite of travel protections across its premium credit cards, including trip delay reimbursement and trip cancellation/interruption insurance. Trip delay reimbursement covers reasonable out-of-pocket expenses due to a lengthy trip delay that is not covered by the common carrier. Trip cancellation/interruption insurance provides reimbursement for covered travel expenses when you have to cancel a trip or end it early. Now
that more people are getting vaccinated and destinations are reopening borders to tourists, you may be planning trips for later this year or into next. This guide will walk through which Chase credit cards have these benefits, what is currently covered and how you can file a successful claim. Want more credit card news and advice from TPG? Sign up for our daily newsletter! Here is an overview of the Chase cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both:
The information for the United TravelBank Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. Related: Best credit cards for trip cancellation and interruption insurance What is covered by trip cancellation/interruption insurance?(Photo by Getty Images)You can find the full terms and conditions of what is generally covered on your specific card in your Guide to Benefits, which can be found through your Chase account online. I'll use the Chase Sapphire Reserve Guide to Benefits as an example.
Sign up for our daily newsletter Here is a rundown of the circumstances covered by Chase's trip cancellation/interruption insurance:
Chase does provide an extensive list of things that are not covered by trip cancellation/interruption insurance as well:
You'll note that "disinclination to travel due to an epidemic or pandemic" is specifically listed as not covered. At the time of writing, Chase had given no update that would change this, which means canceling a trip you can go on but just don't want to is not covered by your Chase travel insurance. If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Chase on what types of expenses are covered for trip cancellation/interruption: Non-Refundable prepaid travel expenses charged by a Travel Supplier (Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers). Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator. Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package). What is covered by trip delay insurance?(Photo by Getty Images)Trip delay insurance provides reimbursement for expenses incurred when your trip is delayed due to a covered hazard for more than six hours, or if a delay requires an overnight stay. It does not include expenses that are covered by the airline or other common carrier responsible for the delay. You and your family members are covered when you put at least part of a trip on your eligible Chase card. Covered expenses include meals, lodging, toiletries and medication, but do not include any prepaid expenses related to a trip such as a tour or activity fees. Chase defines covered hazards as equipment failure, inclement weather, strike and hijacking/skyjacking. The Guide to Benefits specifically exempts any delay due to a covered hazard that was made public or made known to you prior to your departure. Filing a claimWhen you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim through Chase’s online claims center. Trip delay reimbursement requires the following documentation:
Trip cancellation/interruption insurance requires slightly different documentation:
When you fill out the claims form online, you will be asked to upload these documents. You can scan in paper receipts when needed. Typically, you have up to 90 days to file a claim after a delay or cancellation. (Photo by Jim Watson/AFP/Getty Images)Proof of flight delay or cancellationOne of the documents required to file for trip delay reimbursement is a verification form that outlines the reason for the delay or cancellation by the carrier. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Each major U.S. airline also has a process for requesting this information after the fact. Here is an overview of the process different U.S. airlines require in order for you to receive a delay or cancellation verification form:
Bottom lineHaving a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans, but it can be confusing to know what exactly is covered and the right documentation you need to file a claim. Nothing is worse than getting through an entire claims process only to be denied or have to start over because you don’t have the required documentation for the insurance provider. Before you start filing a claim, make sure you have the documents listed above. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case. Featured image by Getty Images/iStockphoto Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. TPG featured cardTPG Exclusive Offer TPG Exclusive Offer Intro offerEarn 150,000 points120,000 points Recommended Credit670-850 Good, Excellent Why We Chose ItIt's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners. Pros
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Why We Chose ItIt's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners. Pros
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How do I know if my credit card has trip cancellation insurance?Checking if your credit card provider offers trip cancellation insurance is pretty easy: Just call the customer service phone number on the back of your credit card and ask. There are a range of travel insurance types offered by credit cards, with the actual benefits varying greatly by card.
Does Chase insurance cover nonTrip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
What are the benefits of the United Explorer Mileageplus card?The benefits that come with being a United℠ Explorer Cardmember make it easier than ever to travel smart.. Free checked bag — a savings of up to $140 per roundtrip. ... . 25% back inflight. ... . Global Entry, TSA PreCheck® or NEXUS fee credit — up to $100. ... . No foreign transaction fees. ... . Priority boarding.. Which Chase Card covers travel insurance?Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance: Aer Lingus Visa Signature® Card. Aeroplan® Credit Card.
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