How does the Chase credit card travel insurance work?

Question

The Chase credit card extended warranty adds an additional year to warranties of three years of less on items purchased with a Chase credit card. Items paid for using rewards points or statement credits earned with a Chase credit card are also eligible. Chase’s credit card extended warranty covers you up to $10,000 per claim, for a total of $50,000 per account. All Chase credit cards have this extended warranty benefit, including cards co-branded with other companies.… read full answer

The Chase credit card extended warranty benefit does have some exclusions, though. It’s limited to U.S. repair warranties. And some of the most notable types of purchases that are not covered include motorized vehicles, used items, medical equipment, and computer software.

Here is how the Chase credit card extended warranty works:

Eligible Chase credit card purchases automatically receive the extended warranty benefit. No sign-up or purchase registration is required.

Cardholders must file a claim to receive a payout under the Chase extended warranty program, should a covered event occur.

To file a claim, call the Benefit Administrator at 1 (800) 874-7702 or fill out the online form. You must do so within 90 days of an item failing.

Give some preliminary information to the Benefit Administrator, including the type of product; its manufacturer, model, and serial numbers; and relevant dates. He or she will refer you to a repair facility and send you a claim form.

Send a signed claim form and copies of your credit card statement, store receipt, original warranty, and repair order within 120 days of the item’s failure.

Chase will repair or replace your item after verifying your claim. Chase will reimburse you for the original purchase price or repair cost of the damaged item, minus shipping and handling costs, up to $10,000.

You can request to be reimbursed by check or Chase bank account credit. Credit card statement credits are not an option.

Cardholders are usually reimbursed within five business days of claims being approved.

There are a lot of conditions for the Chase extended warranty policy. So refer to the Chase benefits guide before you make your next big purchase to confirm the item and its warranty are covered.

If you want, you can opt to register your eligible products with the program’s Benefit Administrator. When you register an item, all warranty information will be on file for easier access should you ever have to file a Chase extended warranty claim.

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Answer 1 · 2018-10-05 07:38:07

Alex Johnson, Member

@nobarter 10/05/18 This answer was first published on 10/05/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Chase credit card travel insurance covers the delay, cancellation or interruption of trips as well as fatal and serious accidents; baggage damage, theft or delay; and damage to or theft of rental cars. But only rental car insurance comes standard with all Chase cards. Depending on the card, it may have none of the other benefits (e.g. Slate), some of them (e.g. Freedom) or all of them (e.g. Sapphire Reserve).

You’ll need to take a look at your benefits guide to see which your card offers. And to be eligible for any coverage, you need to pay for your travel using your Chase credit card. Let’s take a look at all the different benefits you could have.

Here are the Chase credit card travel insurance benefits:

Trip delay/cancellation/interruption. These benefits reimburse you if you are forced to alter a trip. The trip has to be more than 1 mile from your house and last 60 days or less.
You’re covered for sickness, death, injury, terrorism, severe weather and military orders, among other things. But regular changes in plans, pre-existing conditions and incarceration are some of the notable exclusions. Read your benefits guide for the full list.
Travel accident. Travel accident coverage will compensate you for fatal or serious injuries (loss of limbs, sight, speech or hearing) that happen during a trip. Things like self-inflicted injury, bacterial and viral infections, and injury from illegal activities aren’t covered.
Lost/delayed luggage. If the travel provider loses or damages your luggage, or if your luggage is stolen, you can be reimbursed for its value. Certain types of items aren’t eligible, and certain situations aren’t covered, so be sure to check your guide. And if your bags get to you more than 6 hours late, you can get reimbursed for emergency purchases like clothes or toiletries.

To make a claim for one of these events, Chase’s credit card travel insurance policy requires you to do two things, both of which are time sensitive:

Write to the Chase credit card travel insurance Plan Administrator within 20 days of the incident with a brief explanation of what happened, and ask them to send you a claim form. Here’s the address:
Card Benefit Services
P.O. Box 72034
Richmond, VA 23255
Fill out and return Chase’s claim form and any other requested information.

If your claim is approved, Chase should reimburse you within 60 days of their decision.

Plus,Chase credit card rental car insurance is available if you decide to take a road trip. As long as you decline the rental agency’s insurance and drive an eligible vehicle (not an RV, limo, etc.), you’re covered. Chase will reimburse for collision damage or theft.

To make a rental car insurance claim, you have to follow a slightly different process: 1) Call the Chase Benefit Administrator (1-888-320-9961) within 60 days of the incident and 2) Return your completed claim form within 100 days of the incident. Chase should pay within 15 days of approving your claim, if they approve it.

How does the Chase credit card travel insurance work?

Alex Johnson, Member

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