Does My Chase Credit Card Have Travel Insurance?

Chase is a major issuer within the U.S. credit card market — and with good reason. Whether you're looking for a card co-branded with a preferred hotel or airline or one that earns Ultimate Rewards®, Chase has various options. However, if you already have one of these cards, you may be wondering: "Does my Chase credit card have travel insurance?"

The happy answer is yes. Most Chase cards do offer some form of travel insurance. However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

Nearly all of Chase's credit cards offer some form of travel insurance. For example, some provide rental car insurance, while others offer a span of travel insurance benefits, sometimes with multiple protections like those we detailed above.

Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance:

• Aer Lingus Visa Signature® Card.

• Aeroplan® Credit Card.

• Prime Visa.

• British Airways Visa Signature® Card.

• Chase Freedom Flex®.

• Chase Freedom Unlimited®.

• Chase Freedom® Student credit card.

• Chase Sapphire Preferred® Card.

• Chase Sapphire Reserve®.

• Chase Slate Edge℠.

• Iberia Visa Signature® Card.

• IHG One Rewards Premier Credit Card.

• IHG One Rewards Premier Business Credit Card.

• IHG One Rewards Traveler Credit Card.

• Ink Business Cash® Credit Card.

• Ink Business Plus® Credit Card.

• Ink Business Preferred® Credit Card.

• Ink Business Unlimited® Credit Card.

• Marriott Bonvoy Bold® Credit Card.

• Marriott Bonvoy Boundless® Credit Card.

• Southwest® Rapid Rewards® Performance Business Credit Card.

• Southwest Rapid Rewards® Plus Credit Card.

• Southwest® Rapid Rewards® Premier Business Credit Card.

• Southwest Rapid Rewards® Premier Credit Card.

• Southwest Rapid Rewards® Priority Credit Card.

• Starbucks® Rewards Visa® Card.

• World of Hyatt Credit Card.

• World of Hyatt Business Credit Card.

• United Club℠ Business Card.

• United Club℠ Infinite Card.

• United℠ Business Card.

• United℠ Explorer Card.

• United Gateway℠ Card.

• United Quest℠ Card.

» Learn more: The best travel credit cards right now

Chase's credit card travel insurance applies to any trips booked with your eligible card. There are several different types of travel insurance that Chase offers:

• Trip delay insurance.

• Trip cancellation insurance.

• Trip interruption insurance.

• Baggage insurance.

• Rental car insurance.

• Travel accident insurance.

• Emergency medical and dental.

• Emergency evacuation and transportation.

This credit card-provided insurance may either be secondary to your existing insurance — which means it will only kick in after any insurance policy you already have is exhausted — or primary, which you can claim before relying on other policies. But, again, the type of insurance you receive and the level of coverage will depend on your particular Chase card.

Chase's secondary credit card travel insurance will become primary if you don't have a separate travel insurance policy (beyond booking travel with your card).

» Learn more: Best credit cards for travel insurance benefits

Your total coverage amount will vary based on your card; more premium cards, such as the Chase Sapphire Reserve®, will provide superior coverage compared to others.

» Learn more: The NerdWallet guide to the Chase Sapphire Reserve®'s travel insurance benefits

To be able to claim any travel insurance, you'll need to have paid using your eligible Chase card. In addition, your specific event will also need to be covered — you'll find the full details of what is covered within the benefits guide for your card.

For example, in order to receive a reimbursement using trip delay insurance on your Chase Sapphire Preferred® Card, your trip must have been delayed by one of these causes: Equipment failure, inclement weather, strike or hijacking/skyjacking.

If you need to use your travel insurance, you'll need to file a claim with Chase. You can do so by using Chase's online Eclaim center or by emailing [email protected]. You can also call, but the contact number for claims varies by card — check out your guide to card benefits for details.

The documentation you'll need will depend on the type of claim and can similarly be found within your guide to card benefits. Moreover, the time you have to file a claim varies by the type of claim you're making but can typically be around 90 days. Therefore, the sooner you start the process, the better to ensure you're within the time frame.

For example, here's the paperwork you'll need to turn in when filing for reimbursement for reasonable expenses incurred during a covered trip delay:

• All payment methods used to purchase the airfare (if you've also used points, vouchers, etc.).

• Charge receipt showing the airfare transaction was made on your account.

• Receipts for your claimed delay expenses.

• Copy of the settlement from the carrier and any other reimbursements made to you.

• Your original itinerary.

• A statement from the carrier indicating why you were delayed.

Although Chase provides pretty decent travel insurance for trips overall, in some cases, you may want to consider adding additional travel insurance by purchasing a separate plan. This is particularly relevant in the current travel climate and may be required depending on your destination.

For instance, although the Chase Sapphire Reserve® will cover losses due to trip cancellation in the event that you have a physician-ordered quarantine, its medical coverage overall is relatively low.

The emergency medical benefit offered by this card caps out at just $2,500 while traveling — and will only cover recovery in a hotel if you've been released from the hospital and your attending physician determines that it's necessary. Nonetheless, you'll only be reimbursed up to $75 per day for five days. After that, you're on your own.

In this case, adding additional insurance for medical expenses, including hospital treatment and extensive quarantine, would be a good idea.

» Learn more: Airline travel insurance vs. independent travel insurance

Nearly all of Chase's credit cards offer varying levels of travel insurance, including its no-fee options. However, you'll want to be aware of limitations before relying on these for your trip.

In many cases, Chase's travel insurance will be a frontline answer to your issues — just make sure to double-check your coverage before travel. And under certain circumstances, you may want to consider adding additional insurance before you set out on your trip for peace of mind.

The information related to the Ink Business Plus® credit card and United Club℠ Business Card (annual fee: $450) has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.