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Chase offers consumers several travel rewards credit cards, most of which help you earn points for a trip and offer travel protections should your journey go differently than expected. These benefits can help give you peace of mind and reduce stress, especially if your trip gets canceled.
Many Chase cards offer travel coverage that includes trip cancellation insurance, among other protections. Let’s take a look at Chase trip cancellation insurance, which cards provide it and what this benefit covers.
What is trip cancellation insurance?
Trip cancellation insurance can reimburse your prepaid, nonrefundable expenses — such as flights, hotel reservations or a cruise — should your trip be canceled due to unforeseen circumstances, such as extreme weather, an accident or a death in the family.
Coverage begins on the date you make your initial trip deposit and ends when you depart for your trip.
» Learn more: Does my Chase credit card have travel insurance?
Chase cards that come with trip cancellation insurance
The following cards include Chase trip cancellation insurance:
| Chase credit card | Trip cancellation insurance benefits |
|---|---|
| $1,500 per covered person, $6,000 per trip. | |
| $1,500 per covered person, $6,000 per trip. | |
| $1,500 per covered person, $6,000 per trip. | |
| $10,000 per covered person, $20,000 per trip. | |
| $10,000 per covered person, $20,000 per trip. | |
| $1,500 per covered person, $6,000 per trip. | |
| $5,000 per covered person, $10,000 per trip. | |
| $5,000 per covered person, $10,000 per trip. | |
| $10,000 per covered person, $20,000 per trip. | |
| $10,000 per covered person, $20,000 per trip. | |
| $1,500 per covered person, $6,000 per trip. | |
| $1,500 per covered person, $6,000 per trip. | |
| $5,000 per covered person, $10,000 per trip. |
» Learn more: How does credit card travel insurance work?
What does Chase trip cancellation insurance cover?
Chase travel insurance covers nonrefundable prepaid travel expenses such as flights, hotels, cruises, train tickets and tours — whether you book with a travel agency or directly with the travel provider.
The benefits kick in when one of the following reasons occurs:
- Accidental bodily injury, sickness or loss of life experienced by you or an immediate family member.
- Severe weather.
- Named storm warning.
- Change in military orders for you or your spouse.
- A call to jury duty or a court subpoena.
- Fire, flood or a burglary to your or your traveling companion’s residence.
- The death or hospitalization of your or your travel companion’s host at the destination.
- Doctor-imposed quarantine.
- Organized strikes affecting public transportation.
- Terrorist incidents or travel warnings related to terrorism.
What isn’t covered by Chase trip cancellation insurance?
Event tickets, amusement park tickets, museum entry fees and golf course expenses aren’t eligible for reimbursement unless they’re included in a prepaid travel package.
Trip cancellation benefits don’t apply to losses caused by:
- A change in plans or financial circumstances.
- A pre-existing medical condition.
- Loss due to voluntary surrender of unused tickets, vouchers or credits.
- Travel arrangements scheduled after the 26th week of pregnancy.
- Being on a waitlist for a medical treatment.
- Trips taken for the purpose of obtaining medical treatment.
- Unwillingness to travel due to civil unrest.
- Failure to obtain required visas, passports or other paperwork necessary for travel.
- Commission of illegal acts.
- Attempted suicide or self-inflicted injuries.
- Being under the influence of drugs.
- Disinclination to travel or border closures resulting from a pandemic.
- Financial insolvency of the common carrier, travel agency or tour operator.
- War, insurrection, rebellion or revolution (except terrorism).
Who is covered by Chase trip cancellation insurance?
As the primary cardholder, you’re covered. The trip cancellation insurance also extends to your immediate family members, including:
- Parents, step-parents and/or legal guardians.
- Spouses or domestic partners and their parents.
- Children, including adopted children and step-children.
- Siblings.
- Grandparents and grandchildren.
- Aunts and uncles.
- Nieces and nephews.
Your immediate family members don’t have to be traveling with you for the benefits to apply to them as well. However, you must have used the Chase credit card that includes trip cancellation insurance to pay for their trip.
» Learn more: How to find the best travel insurance
Which trips are eligible for Chase trip cancellation insurance?
Eligible trips can’t exceed 60 consecutive travel days. If your trip is longer, the coverage is still available, but the eligible prepaid nonrefundable expenses would be reimbursed as a pro-rated sum up to the first 60 days.
You must pay for all or a portion of the trip using an eligible Chase credit card or Chase Ultimate Rewards® for it to be eligible for the trip cancellation benefits. If your canceled trip results in a future credit or voucher, it won’t be covered.
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How to file a trip cancellation insurance claim with Chase
To file a Chase trip cancellation insurance claim, you must contact the benefits administrator within 20 days of the cancellation. You can do this by calling the phone number listed in your credit card’s guide to benefits. If you wish to file a claim online, you can visit www.eclaimsline.com.
You’ll have to provide the following documentation within 90 days to support your claim:
- Completed and signed claim form.
- Travel itinerary.
- Documentation confirming the reason for trip cancellation, such as medical records or a death certificate.
- Credit card account statement listing the transaction related to the trip.
- Copies of the cancellation and refund policies from the travel provider.
- Any unused credits or vouchers.
» Learn more: Airline travel insurance vs. your credit card’s
Chase trip cancellation insurance recapped
Holding a credit card that provides travel insurance can help put your mind at ease when unexpected problems arise.
Chase’s insurance benefits cover you and your family members against expenses incurred due to trip cancellation, among other things.
However, it’s important to know what’s covered by the policy and what isn’t. Additionally, you’ll want to keep track of all documentation related to the cancellation and submit it before the deadline to receive reimbursement.
The information related to the Chase Freedom® credit card 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 some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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