Chase Credit Card Travel Insurance: The Ultimate Guide (2025)

Are you wondering if your Chase credit card offers travel insurance coverage? You’re not alone. Many Chase credit cards include valuable travel protection benefits like trip delay reimbursement, trip cancellation and interruption insurance, lost luggage coverage, rental car collision damage waiver (CDW), and emergency evacuation assistance. However, the specific travel insurance benefits and reimbursement limits vary by card.

In this comprehensive guide to Chase credit card travel insurance, you’ll learn which Chase cards provide travel protection, the details of each benefit, and step-by-step instructions on how to file a travel insurance claim with Chase. Whether you hold a Chase Sapphire card, Ink Business Preferred, or a co-branded card such as the United Explorer, this guide has everything you need to maximize your travel insurance benefits.

✅ Quick Answer: Yes, several Chase credit cards—including the Sapphire line, Ink Business cards, and select co-branded cards—offer travel insurance coverage to protect your trips.

Disclaimer: This post mentions credit card products from Chase®, including personal, business, and airline co-branded cards such as United® and Southwest®. All trademarks belong to their respective owners. Journey Currencies is not endorsed by or affiliated with Chase or any other financial institution unless stated. Opinions are our own; content is for informational purposes only and does not constitute financial advice. Always review your card’s current Guide to Benefits to confirm terms and eligibility.

What Is Chase Travel Insurance?

Chase travel insurance is a set of protections included with select Chase credit cards when you use the card to pay for eligible travel expenses—like flights, hotels, or rental cars. Depending on your card, these protections can include:

• Trip delay reimbursement
  
• Trip cancellation or interruption
  
• Lost luggage protection
  
• Baggage delay reimbursement
  
• Rental car collision coverage
  
• Travel accident insurance
  
• Emergency medical and evacuation benefits
  

Travel coverage is automatically included—no registration required. But each card has different limits, eligible purchases, and terms.

Compare Chase Travel Insurance Benefits by Card | Free Chart Download

Enter Your Name and Email for your FREE Chart!

Get Your Chart Here!

We respect your privacy. Unsubscribe at any time.

Built with Kit

How Does Chase Travel Insurance Work?

1. Pay for at least part of your trip expense with an eligible Chase card (pay in full for auto rental coverage)
2. Save receipts and documentation (delay notices, baggage reports, etc.).
3. Claim online or by phone if a covered mishap occurs.

Tip: Snap photos of your receipts as you go—you’ll need digital copies when filing a claim. For paper copies, a simple ziplock bag can help keep everything organized until you’re ready to submit.

Which Chase Credit Cards Offer Travel Insurance?

Benefits may change over time, so always review your card’s current Guide to Benefits before relying on coverage.

Note: Sapphire cards have updated travel benefits as of summer 2025

Personal & Business Core Cards

• Chase Sapphire Preferred® Credit Card
• Chase Sapphire Reserve® Credit Card
• Chase Sapphire Reserve for BusinessSM
• Ink Business Unlimited® Credit Card
• Ink Business Preferred® Credit Card
• Ink Business Cash® Credit Card
• Ink Business Premier® Credit Card
• Freedom Unlimited®
• Freedom Flex®

Co‑Branded Personal Cards

• The New UnitedSM Explorer Card
• The New United QuestSM Card
• The New United GatewaySM Card
• The New United ClubSM Card
• Southwest Rapid Rewards® Plus Credit Card
• Southwest Rapid Rewards® Priority Credit Card
• Southwest Rapid Rewards® Premier Credit Card
• Aeroplan® Card
• British Airways Visa Signature® Credit Card
• Aer Lingus Visa Signature® Credit Card
• Iberia Visa Signature® Credit Card

Co‑Branded Business Cards

• The New UnitedSM Business Card
• The New United ClubSM Business Card
• Southwest Rapid Rewards® Performance Business Credit Card
• Southwest Rapid Rewards® Premier Business Credit Card

Chase Travel Insurance Benefits Explained

Trip Delay Reimbursement

If your flight from JFK to LAX gets delayed overnight due to severe weather, or your train to Chicago is canceled for mechanical issues, Chase may reimburse you for meals, lodging, and essentials—depending on your card.

Cards with this benefit: Sapphire Preferred, Sapphire Reserve Personal/Business, United Explorer, Aeroplan Card, and more.

• Coverage limit: Up to $500 per ticket after a 6–12 hour delay, depending on the card.
• Must be a “common carrier” mode of transport

Trip Cancellation & Interruption Insurance

Say you booked a non-refundable trip to Paris and need to cancel due to a medical emergency—Chase may reimburse your prepaid expenses if your card includes this protection.

Eligible cards: Sapphire Preferred, Reserve, Ink Business Preferred, most United personal and business cards, etc.

Chase Credit Card Coverage generally include one of these limits:

• Up to $1,500 per traveler and $6,000 per trip
  
• Up to $5,000 per traveler and $10,000 per trip
  
• Up to $10,000 per traveler and $20,000 per trip

Baggage Delay Insurance

If your luggage is delayed by the airline or other common carrier, Chase may reimburse you for essential items like clothes and toiletries.

• Minimum delay: 6 hours
  
• Coverage: Up to $100 per day for 3–5 days depending on the card.

Lost Luggage Reimbursement

If your luggage is lost, stolen, or damaged, Chase may reimburse you for repair or replacement costs.

• Standard coverage: Up to $3,000 per traveler.
  
• NY residents: Limit may be $2,000 per traveler with $10,000 max per trip.
  

🗽 NY residents: Confirm benefit limits in your card’s Guide to Benefits.

Auto Rental Collision Damage Waiver (CDW)

This reimburses theft and collision damage on rental vehicles, subject to terms of course. 

Key points:

• Coverage up to $60,000–$75,000 for theft/collision on vehicles with an MSRP up to $125,000.
  
• Primary coverage internationally; secondary coverage in the U.S. (generally/ varies by card).
  
• Must charge full rental cost to the card and decline rental company’s CDW/LDW.
  
• Only covers primary renter/authorized drivers on the rental agreement.
  
• NY residents: Review your Guide for restrictions and legal coverage limits, which may be different.
  

Not covered: Liability (at-fault damages to others), personal belongings inside the rental, rentals from car-sharing services like Turo.

Emergency Medical & Evacuation Assistance

This benefit provides legal and medical referrals to help you with travel and emergency assistance. Do note that this benefit does not pay for or reimburse for use of those referred services.

If you get sick while visiting Rome, this service can help you find a local English-speaking doctor or locate a nearby pharmacy, but you will be responsible for any costs from the doctor or pharmacy.

Some services provided include:

• Emergency Message Service
• Medical and Legal Referral Service
• Emergency Transportation Service
• Emergency Ticket Replacement Service 
• Lost Luggage Locator Service
• Emergency Translation Service
• Prescription Assistance
• Valuable Document Delivery Service
• Pre-Trip Assistance (locate ATMs, required documents, health precautions, etc)

Roadside Assistance

For emergencies like towing, battery jump-start, tire change, gas delivery, locksmith, roadside assistance will dispatch services. 

• Call: 1-800-350-1697.
  
• Sapphire Reserve Personal/Business reimburses up to $50, four times a year for these services; other cards with this coverage: expenses paid by the user.
  
• Medium/heavy vehicles (over 10,000 lbs) may not be covered.

Additional Benefits: Specific to Chase Sapphire Cards (as of July 2025)

Emergency Evacuation & Transportation

(Sapphire Reserve Personal/Business only)

• Up to $100,000 coverage for emergency medical evacuation or transportation
  
• Includes reasonable costs for a relative’s travel or unaccompanied minors.
  
• Trip must be between 5-60 days and within 100 miles of primary residence.
  
• Requires doctor certification and pre-approval.

Emergency Medical & Dental

(Sapphire Reserve Personal/Business only)

• Covers up to $2,500 in emergency medical/dental expenses (after $50 deductible).
  
• Secondary coverage to your personal health insurance.
  
• May cover hotel stays for additional approved recovery up to $75/day for 5 days.

Travel Accident Insurance

(Sapphire Preferred and Reserve)

• Covers loss of life, limb, sight, speech, or hearing due to accident up to $500,000 (Preferred) or $1,000,000 (Reserve).
  
• Trips up to 30 days.
  
• Coverage applies even if covered travelers do not travel with you (if their fare was charged to your card).

How to File a Chase Travel Insurance Claim

The easiest way to file is through the Chase Claim Dashboard.

• Register your card(s) and access benefit guides.
  
• Request letters of coverage (e.g., for rental car CDW proof).
  
• Visit: chasecardbenefits.com
  
• Call: 1-800-350-1362
  
• Mail: Virginia Surety Company, Inc., Card Benefits Administration, P.O. Box 979196, Miami, FL 33197-9196
  

Most claims are straightforward if you’ve kept receipts—be sure to submit within the required time frame and respond promptly to any follow-up requests.

What Documents Are Needed?

• Document Central shows required document types by coverage and reason.
  
• Upload documents in formats: (PDF, JPG, JPEG, BMP, PNG) max 10MB via the dashboard.

Timeline Expectations

Expect a response within 7 days after submitting all documents. If you don’t receive one, follow- up.

Is Chase Credit Card Insurance Enough?

The short answer? Maybe—but it depends on your trip.

Chase credit cards offer solid travel protections, but coverage types and limits vary by card. For certain scenarios, a traditional travel insurance policy may still be a smart backup.

When to consider traditional travel insurance:
If you’re traveling internationally and want coverage for medical emergencies—like visiting a doctor, filling prescriptions, or spending a night in the hospital—credit card benefits may fall short. Most cards offer little to no medical protection abroad. (The Sapphire Reserve premium cards are an exception as they offer Emergency Medical and Dental). 

When a Chase card can save you money:

One standout benefit of Chase cards—especially the Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred—is primary rental car coverage. This means Chase covers theft or collision damage upfront, even on international rentals. You can confidently decline the expensive CDW/LDW offered by rental companies.

Compare this to cards like Amex, which often offer secondary coverage—meaning you’d have to file with your personal auto insurer first, and the card would only pick up what’s left over.

Check out Amex Travel Insurance Explained (2025): Card List & Coverage Guide to see the differences. 

FAQs: Chase Credit Card Travel Insurance

Do Chase credit cards have travel insurance?

Yes, many Chase cards include travel insurance when you use them for eligible travel purchases.

Does Chase Freedom offer travel insurance?

Chase Freedom cards include the Unlimited, Flex, and Rise. These cash back cards all have a $0 annual fee, but some offer limited travel protections as well. The Freedom Unlimited and Freedom Flex offer Trip Cancellation and Interruption coverage. The Freedom Unlimited also offers secondary auto rental coverage. Check terms for details and coverage limits. 

Which Chase card has the best travel insurance?

The Chase Sapphire Reserve cards offer the most comprehensive coverage—including some premium coverages not available on other Chase cards including Emergency Evacuation and Transportation and Emergency Medical and Dental coverage. 

Go to Chase’s Credit Card Rewards and Benefits Page to learn more

Packing It Up: Final Thoughts on Chase Travel Insurance

If you travel frequently—or even occasionally—Chase credit card travel insurance can save you hundreds or thousands when things go wrong.

Cards like the Sapphire Preferred and Sapphire Reserve (Personal/Business) provide a balance of protection and value, especially for trip delays and cancellations. Always pay for travel with your card and keep copies of purchases and itineraries to make an easy claims process. 

Save This Post for Later

Pin this guide or bookmark it before your next trip. You never know when credit card travel protection will save the day.

Read about my experience with a Traditional Travel Insurance Policy after a Spain illness here.