Does My Chase Credit Card Have Travel Insurance?

The level and type of coverage you'll get depends on which Chase card you have.
Carissa Rawson
By Carissa Rawson 

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Chase is a major issuer within the U.S. credit card market — and with good reason. Whether you're looking for a card co-branded with a preferred hotel or airline or one that earns Ultimate Rewards®, Chase has various options. However, if you already have one of these cards, you may be wondering: "Does my Chase credit card have travel insurance?"

The happy answer is yes. Most Chase cards do offer some form of travel insurance. However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

Chase credit cards with travel insurance

Nearly all of Chase's credit cards offer some form of travel insurance. For example, some provide rental car insurance, while others offer a span of travel insurance benefits, sometimes with multiple protections like those we detailed above.

Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance:

How it works

Chase's credit card travel insurance applies to any trips booked with your eligible card. There are several different types of travel insurance that Chase offers:

🤓Nerdy Tip

If you're already feeling overwhelmed by this new jargon, take a peek at our Beginner's Guide to Travel Insurance.

This credit card-provided insurance may either be secondary to your existing insurance — which means it will only kick in after any insurance policy you already have is exhausted — or primary, which you can claim before relying on other policies. But, again, the type of insurance you receive and the level of coverage will depend on your particular Chase card.

Chase's secondary credit card travel insurance will become primary if you don't have a separate travel insurance policy (beyond booking travel with your card).

Terms and conditions

Your total coverage amount will vary based on your card; more premium cards, such as the Chase Sapphire Reserve®, will provide superior coverage compared to others.

To be able to claim any travel insurance, you'll need to have paid using your eligible Chase card. In addition, your specific event will also need to be covered — you'll find the full details of what is covered within the benefits guide for your card.

🤓Nerdy Tip

If you're booking award travel, the taxes and fees you pay with your card will still qualify you for travel insurance.

For example, in order to receive a reimbursement using trip delay insurance on your Chase Sapphire Preferred® Card, your trip must have been delayed by one of these causes: Equipment failure, inclement weather, strike or hijacking/skyjacking.

How to make a claim with Chase

If you need to use your travel insurance, you'll need to file a claim with Chase. You can do so by using Chase's online Eclaim center or by emailing [email protected] You can also call, but the contact number for claims varies by card — check out your guide to card benefits for details.

The documentation you'll need will depend on the type of claim and can similarly be found within your guide to card benefits. Moreover, the time you have to file a claim varies by the type of claim you're making but can typically be around 90 days. Therefore, the sooner you start the process, the better to ensure you're within the time frame.

For example, here's the paperwork you'll need to turn in when filing for reimbursement for reasonable expenses incurred during a covered trip delay:

  • All payment methods used to purchase the airfare (if you've also used points, vouchers, etc.).

  • Charge receipt showing the airfare transaction was made on your account.

  • Receipts for your claimed delay expenses.

  • Copy of the settlement from the carrier and any other reimbursements made to you.

  • Your original itinerary.

  • A statement from the carrier indicating why you were delayed.

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When to consider adding additional insurance to your trip

Although Chase provides pretty decent travel insurance for trips overall, in some cases, you may want to consider adding additional travel insurance by purchasing a separate plan. This is particularly relevant in the current travel climate and may be required depending on your destination.

For instance, although the Chase Sapphire Reserve® will cover losses due to trip cancellation in the event that you have a physician-ordered quarantine, its medical coverage overall is relatively low.

The emergency medical benefit offered by this card caps out at just $2,500 while traveling — and will only cover recovery in a hotel if you've been released from the hospital and your attending physician determines that it's necessary. Nonetheless, you'll only be reimbursed up to $75 per day for five days. After that, you're on your own.

In this case, adding additional insurance for medical expenses, including hospital treatment and extensive quarantine, would be a good idea.

If you want to use Chase credit card travel insurance

Nearly all of Chase's credit cards offer varying levels of travel insurance, including its no-fee options. However, you'll want to be aware of limitations before relying on these for your trip.

In many cases, Chase's travel insurance will be a frontline answer to your issues — just make sure to double-check your coverage before travel. And under certain circumstances, you may want to consider adding additional insurance before you set out on your trip for peace of mind.

The information related to the Ink Business Plus® credit card and United Club℠ Business Card (annual fee: $450) has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

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