How does Chase Sapphire Preferred trip cancellation coverage work?

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.

Yes, Chase does offer travel insurance. The most common Chase travel insurance benefits are trip cancellation/interruption insurance and travel accident insurance. Some Chase credit cards also offer baggage delay insurance and emergency medical and dental insurance coverage. To be eligible for travel insurance coverage, you’ll need to pay for your travel using your ... read full answerChase credit card.

Chase Credit Cards with Travel Insurance

Check the guide to benefits that came with your Chase card to see which types of travel insurance are included with your card. The guide will also show coverage amounts and other details on each of your travel insurance benefits.

Credit card trip cancellation insurance covers certain nonrefundable travel expenses when a trip is cancelled or interrupted due to illness, injury, severe weather, or another covered reason.

Here’s how trip cancellation insurance works on credit cards:

• What is covered: Credit cards with trip cancellation insurance typically reimburse cardholders for common carrier fares (airfare, train tickets, etc.), tours, lodging and other eligible travel expenses – up to a maximum amount per person, per trip and/or per year.... read full answer
• Eligibility: Cardholders must pay for all or part of the trip with the covered credit card to be eligible, but these rules vary by card issuer.
• Coverage amounts: The credit card trip cancellation insurance amount per trip can vary between $1,500 and $10,000. The coverage will depend on the card network and the card issuer, as some issuers will add their own rules.
• Insurance policy: Most credit card trip cancellation insurance policies cover both the primary cardholder and any authorized users, plus their immediate family members if they are traveling. Some credit cards cover family members even if the cardholder is not travelling with them.

Typically, trip cancellation insurance is offered to cardholders for free, so there’s no extra cost to keep the benefit active.

How to file a trip cancellation claim:

1. Call your credit card issuer. To file a trip cancellation insurance claim, you will need to call your credit card’s benefits administrator and notify them of your intention to file a claim or visit the card’s benefits website. You’ll be able to find the phone number and/or web address in the benefits guide that came with your credit card.
2. Stick to deadlines. Generally, you must give notice of your claim within 20 to 60 days after the cancellation to be eligible for reimbursement, but the exact window will depend on your card issuer’s rules.
3. Submit your evidence. After you give notice of your claim, the benefits administrator will give you further instructions to file your claim. You will likely need to submit documentation with your claim, such as ticket receipts, billing statements, notes from your doctor, and anything else that may validate your claim. There is also a window of time to provide these documents, and it will depend on your card issuer, but it could be 90 to 180 days after the trip is cancelled.

If you think you may need to use your credit card’s trip cancellation insurance, it’s important that you review your benefits guide before booking your trip, so you know exactly what’s covered and what’s not. And because credit card benefits change all the time, it’s a good idea to call your credit card’s customer service line to make sure your card is still covered.