What does Chase Ink Business Preferred travel insurance cover?

The Chase Ink travel insurance benefits include trip cancellation/interruption insurance, baggage delay insurance, and travel accident insurance, among others. To file a travel insurance claim, you’ll need to first pay for your travel using your Chase Ink credit card.

Types of Chase Ink Travel Insurance

• Trip delay insurance: This benefit reimburses you for necessary expenses – such as a hotel room, for example – if your trip is delayed for 12 hours or more.... read full answer
• Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
• Baggage delay insurance: If your baggage arrives over 6 hours late to the destination, you’re covered for essentials that you purchase due to the delay.
• Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $3,000.
• Travel accident insurance: This insurance covers cardholders in the event of death or dismemberment during the trip or during transit.
• Auto Rental Collision Damage Waiver (CDW): Offers secondary coverage against collision damage, theft, and towing charges up to the vehicle’s actual cash value.
• Roadside Dispatch: 24/7 hotline for services such as towing (up to five miles), tire changes, jump starts, fuel delivery, and lockout assistance (no key replacement).
• Travel Emergency Services: Provides referrals for medical and legal assistance, arranges for emergency transportation, and helps change travel reservations. Service is available 24 hours a day, 365 days a year.

Exclusions and coverage limits apply to many of these benefits. So, check the guide to benefits that came with your Chase Ink credit card to see which types of travel insurance are included. The guide will also show coverage amounts and other details on each of your travel insurance benefits.

If you are looking for a Chase Ink credit card with travel insurance, some good choices include the Ink Business Preferred® Credit Card and the Ink Business Premier. There are plenty of other options, though. So, if travel insurance is important for you, check out our recommendations for the best credit cards for travel insurance available right now on the market.

You can submit a Chase Ink Preferred application online from the Chase website. Sign in to your Chase online account, if you already have one, or click the green “Apply as a Guest” button. Once you’ve reached the online application, enter your full name, Social Security number or Tax ID number, birthdate and e-mail address. If you’re an existing accountholder, Chase will list your personal info at the top of the application. All applicants must include a physical address and their total gross annual income.... read full answer

Next, you will need to complete the Business Info section on the Chase Ink Preferred application. This includes the business structure (sole proprietorship, for example) along with the business’s legal name and number of employees. Your Tax ID or Employer ID number and annual business revenue are required, too. You will also have the option to add any employee cards to the account. Check the box at the bottom of the application to say that you agree to the card’s certifications, which state, among other things, that you will use the account for business purposes only and that you will be held personally liable for all balances charged to the account. Click the “Submit” button and you should receive a decision in just a few seconds. If you’re approved, you will receive your new card within 7-10 business days.

If you do not get an immediate decision, you’ll receive a status update e-mail within 7-10 days notifying you whether the application is approved, denied or pending. For pending applications, the e-mail will let you know if you need to submit additional documents or correct any missing or inaccurate information on the application. If the application is denied, Chase will mail you a letter detailing the reason(s) why.

Chase Sapphire Preferred travel insurance covers lost or delayed luggage; accidents resulting in injury or death; lost, damaged or delayed baggage; and trip delay, cancellation, or interruption. These policies cover you and your immediate family, even if you don’t travel with them (as long as you pay for the trip). Chase Sapphire Preferred also has rental car insurance, which covers damage or theft for you and any other authorized drivers. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your Chase Sapphire Preferred.... read full answer

Types of Chase Sapphire Preferred Travel Insurance

• Rental car insurance: This benefit covers the cardholder for damage to the rental vehicle that results from collision or theft.
• Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
• Trip delay insurance: This benefit reimburses you for necessary expenses – such as a hotel room, for example – if your trip is delayed for 12 hours or more.
• Baggage delay insurance: If your baggage arrives over 6 hours late to the destination, you’re covered for essentials that you purchase due to the delay.
• Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $3,000.
• Travel accident insurance: This insurance covers cardholders in the event of death or dismemberment during the trip or during transit.

Here’s how to submit a Chase Sapphire Preferred travel insurance claim:

1. Notify the Common Carrier or Rental Agency. Get in touch with the airline, passenger train company, rental car agency, etc., and tell them about the incident. This will begin the company’s claims process. Chase will ask for proof that you notified the transportation company of the incident, so make sure you get copies of all paperwork.

2. Notify Chase of Your Claim Within 20 Days. Call (888) 320-9961 within 20 days of a covered event.

3. Fill Out Your Claim Form. Chase is required to send you paperwork to file a claim within 15 days of notification, if you mail your notice. Alternately, you can fill out your claim online at eclaimsline.com.

4. Submit Your Completed Form Within 90 Days of the Incident. You must include proof of the incident, which could include your travel itinerary, police reports, along with any other requested documents.

5. Wait up to 60 Days for a Decision. Chase will need to evaluate the validity of your claim. If everything checks out, you’ll be compensated within 60 days of Chase receiving your claim and supporting documentation.

Exclusions and coverage limits apply to many of these benefits, so make sure to check your Chase Sapphire Preferred’s guide to benefits for more details on each type of insurance.

Finally, it’s worth noting that Chase Sapphire Preferred’s benefits extend well beyond travel insurance. Chase Sapphire Preferred also has among the best return extension and purchase protection programs on the market. And all Chase credit cards rank very highly in terms of price protection and rental car insurance. Plus, you can’t forget that Chase Sapphire Preferred is one of WalletHub’s picks for the best rewards credit cards.