How does the Chase Sapphire Reserve baggage delay benefit work?

Question

Visa baggage delay insurance is a credit card benefit that will provide compensation for basic cost-of-living expenses when a Visa cardholder’s baggage does not arrive at the intended destination on time. The standard Visa Signature baggage delay policy provides up to $300 in reimbursement after a delay of 4 hours or more.... read full answer

Coverage only applies to baggage on common carriers, such as buses, trains, airlines, and cruise ships. The coverage amount and minimum delay period also vary depending on the card. With some Visas, such as the Chase Sapphire Preferred® Card or the The World of Hyatt Credit Card, cardholders can get up to $100 per day for a maximum of 5 days. These cards require delays longer than 6 hours for the cardholder to become eligible for any reimbursement.

Visa Baggage Delay Insurance Claims, Cards & Other Details

Visa cardholders will need to file a claim within 20 days of the incident, or as soon as reasonably possible, to use this perk. Visa baggage delay insurance will often cover the cardholder’s spouse and children as well.

Baggage delay insurance is not listed as a standard benefit for Traditional, Signature, or Infinite Visa cards. That said, it can theoretically be found on any Visa credit card, if the card issuer has chosen to offer it. You can call your card’s issuer or refer to its guide to benefits to find out whether your Visa has this perk and determine the extent of your coverage.

Finally, if your luggage ends up getting lost, many Visa cards offer another benefit called lost luggage reimbursement. This protection will cover you for the value of your lost items up to a certain amount. There are many coverage exclusions, and the insurance limits vary for this benefit, so be sure to reach out to your issuer for more details.

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Answer 1 · 2022-07-07 21:55:10

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Maria Adams, Credit Cards Moderator

@m_adams • 07/07/22 This answer was first published on 07/06/21 and it was last updated on 07/07/22.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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The Chase Sapphire Reserve baggage delay benefit reimburses cardholders up to $100 per day for a maximum of 5 days when their bags arrive at least 6 hours late after traveling on a common carrier.

Here’s how the Chase Sapphire Reserve baggage delay benefit work:

Overview: The purpose of Chase Sapphire Reserve baggage delay insurance is to reimburse necessities that the cardholder is forced to buy while waiting for their luggage to arrive. That might include things such as clothing, toiletries or a cell phone charger.
Coverage limits: You will be reimbursed up to $100 per day for a maximum of 5 days when your bags arrive at least 6 hours late after traveling on a common carrier. Examples of common carriers include airplanes, buses, cruise ships and trains.
Who is covered: Coverage extends to each cardholder (primary and authorized users), their spouses or domestic partners, and immediate family members.
Conditions: The cardholder must have paid for each person’s fare using either the Chase Sapphire Reserve card or points earned with the card.
What is not covered: Examples of non-covered items include jewelry, cameras, hearing aids and more.

Here’s how to file a claim:

To file a Chase Sapphire Reserve baggage delay claim, either call the Benefit Administrator at (888) 675-1461 within 20 days of the incident.

Fill out the claim form and submit it with any supporting documents within 90 days of the incident. Supporting documents may include the travel itinerary, written confirmation from the common carrier that the baggage was delayed, and receipts for any purchased items over $25.00, among others. You can also submit a claim form online.

@runahead

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The benefit only covers delay during the trip not if the delay occurred on the return flight - like in my case. Please amend the answer.

Answer 2 · 2021-09-27

@runahead

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The benefit only covers delay during the trip not if the delay occurred on the return flight - like in my case. Please amend the answer.

Answer 3 · 2021-09-27 16:39:26

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runahead, Member

@runahead • 09/27/21 This answer was first published on 09/27/21. 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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There's a detail not listed in the above answer that the coverage is only during your trip. The coverage doesn't work if the luggage was delayed on the return way - which is the case for me. Chase coverage description here is misleading

How does the Chase Sapphire Reserve baggage delay benefit work?

Maria Adams, Credit Cards Moderator

Here’s how the Chase Sapphire Reserve baggage delay benefit work:

Here’s how to file a claim:

Chase Sapphire Reserve®

runahead, Member

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