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.
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