How does the United Explorer Card travel insurance work?

The United Explorer Card travel insurance benefits include trip cancellation insurance, lost luggage reimbursement, and rental car insurance, among others. To be eligible for travel insurance, you’ll need to pay for your travel using the United Explorer Card. 

Types of United Explorer Card travel insurance: 

• 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 luggage reimbursement: If your luggage is lost or damaged, you can get reimbursed for the contents of the luggage up to $3,000.
• Trip delay reimbursement: This benefit reimburses you for necessary expenses–such as a hotel room, for example – if your trip is delayed for 12 hours or more.
• Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses.
• Travel accident insurance: This insurance covers cardholders in the event of death or dismemberment during the trip or during transit for up to $500,000. 
• Auto rental collision damage waiver: This benefit covers you for damage to the rental vehicle that results from collision or theft. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for most rental cars in the U.S. and abroad. 

Exclusions and coverage limits apply to many of these benefits. So, make sure to check your United Explorer Card benefits guide for more details on each type of insurance. 

If you wish to submit a claim, you may call at (888) 880-5844 or at the number you see on the back of your card.