Chase Trip Cancellation Insurance Explained

Chase trip cancellation insurance is a type of protection that can refund your trip costs if you need to cancel or interrupt your trip due to unforeseen circumstances.

You can purchase this insurance when you book your trip through Chase or add it to an existing travel reservation.

The cost of the insurance varies depending on the type of trip and the amount of coverage you choose, but it's generally a small percentage of the total trip cost.

For example, if you book a $2,000 trip, you might pay $50 to $100 for the insurance, depending on the level of coverage you select.

Chase trip cancellation insurance is a type of insurance that provides reimbursement for non-refundable expenses if your trip is cancelled for a covered reason, such as severe weather.

This insurance is often included as a benefit with Chase credit cards, and it can be a lifesaver if you're forced to cancel your trip at the last minute.

Chase trip cancellation insurance can cover you for cancelled trips due to severe weather, natural disasters, or other unforeseen circumstances.

If you're planning a trip, it's essential to understand what's covered and what's not.

Here are some common reasons why your trip might be cancelled and be covered by Chase trip cancellation insurance:

Keep in mind that not all credit cards offer the same level of coverage, so it's crucial to review your card's benefits carefully.

Chase Sapphire Preferred Card travel insurance covers a range of aspects, including travel benefits.

The Chase Sapphire Preferred Card has excellent travel benefits, making it a great option for frequent travelers.

Cancellation insurance covers the cardholder and immediate family members if a trip is interrupted on the way to the point of departure or after you've left.

This coverage includes severe weather, terrorist actions, jury duty, court subpoenas, accidental bodily injury, death, or sickness of the cardholder, immediate family, or a traveling companion.

The cardholder doesn't need to be traveling with family for them to be covered, but the trip must be paid for by the Chase card.

The benefit is limited to $10,000 per covered trip and $20,000 per occurrence.

Benefits paid can't exceed $40,000 over 12 months.

The Chase Sapphire Reserve has more comprehensive travel insurance protections, making it a better option for regular travelers.

This card offers coverage for shorter trip delays, roadside assistance, and more travel accident insurance coverage.

However, it comes with a $550 annual fee.

You're covered with Chase trip cancellation insurance, which extends to your immediate family members. This includes parents, step-parents, spouses, domestic partners, children, siblings, grandparents, and more.

To be eligible, you must have used the Chase credit card that includes trip cancellation insurance to pay for their trip. This means even if they're not traveling with you, they're still covered.

Here's a breakdown of the family members covered by Chase trip cancellation insurance:

Remember to review your Chase credit card terms and conditions to confirm the specific family members covered under your policy.

Trip cancellation benefits don't apply to losses caused by a change in plans or financial circumstances. This means if you simply decide you don't want to go on a trip anymore, you won't be reimbursed.

Chase trip cancellation insurance doesn't cover event tickets, amusement park tickets, museum entry fees, and golf course expenses unless they're included in a prepaid travel package.

Some common exclusions include travel arrangements scheduled after the 26th week of pregnancy, being on a waitlist for a medical treatment, and trips taken for the purpose of obtaining medical treatment.

Here are some specific exclusions listed:

As the primary cardholder, you're automatically covered by Chase trip cancellation insurance. Your family members are also covered, including parents, step-parents, and/or legal guardians.

You can rest assured that your spouse or domestic partner, and their parents, are also covered. This means they don't have to be traveling with you for the benefits to apply to them.

Children, such as adopted children and step-children, are also included in the coverage. Siblings, grandparents, and grandchildren are also part of the list.

Aunts, uncles, nieces, and nephews are also covered under the Chase trip cancellation insurance. However, you must have used the Chase credit card that includes trip cancellation insurance to pay for their trip.

To file a claim with Chase, you must contact the benefits administrator within 20 days of the cancellation. You can do this by calling the phone number listed in your credit card's guide to benefits or by visiting www.eclaimsline.com.

You'll need to provide documentation to support your claim, including a completed and signed claim form, travel itinerary, and documentation confirming the reason for trip cancellation. This can include medical records or a death certificate.

Here's a list of required documentation:

If you're eligible for trip delay reimbursement, you can receive up to $500 in benefits for reasonable expenses like meals, lodging, and toiletries. This coverage applies if your trip is delayed more than 12 hours or an overnight stay is required due to a delay.

To be considered for reimbursement, you must notify Chase within 60 days of the delay.

Several Chase credit cards offer trip cancellation insurance, including the Chase Sapphire Preferred Card, which provides up to $10,000 per person and $20,000 per trip in reimbursement for prepaid non-refundable travel expenses.

The Chase Sapphire Reserve Card also offers this benefit, with the same coverage limits as the Sapphire Preferred Card. However, the Reserve Card has a $550 annual fee, which may be a consideration for some cardholders.

The following cards include Chase trip cancellation insurance:

Eligible trips for Chase trip cancellation insurance can't exceed 60 consecutive travel days, and coverage is available for prepaid non-refundable expenses up to the first 60 days.

To receive trip cancellation protection with Chase, you must pay the full cost of a trip to your covered card. This is a change from the previous policy, where partial payment was still covered.

The full cost of the trip must be charged to the Covered Card, or you can use Chase Ultimate Rewards points to pay for it. This is a requirement for trip cancellation coverage to kick in.

Insurance coverage is restricted to the actual amount charged to the Covered Card and/or redeemable Rewards used for a covered travel expense. This means your trip cancellation coverage will be determined by how much you spend or how many points you redeem for nonrefundable travel purchases.

You must pay the full cost of a trip to your covered card in order to receive trip cancellation protection if your flight is canceled for an eligible reason beyond your control.

Chase's trip cancellation insurance policy has changed, and it's essential to understand how it works. The policy now reimburses non-refundable expenses if you cancel your trip due to a named storm warning or other covered reasons.

You can claim reimbursement by contacting the Benefit Administrator, who will guide you through the filing process. To be eligible, you must have booked your travel using an eligible Chase credit card, Ultimate Rewards points redeemed through Chase Travel℠, or Ultimate Rewards points transferred to travel partners.

The maximum reimbursement you can get is the amount charged to your eligible Chase card, the portion paid with Ultimate Rewards points, and/or the number of points transferred to a travel partner. You'll need to prove that the Ultimate Rewards points you transferred were used to book the now-canceled trip.

Here's a breakdown of the eligible payment methods:

It's crucial to note that you must have used one of these payment methods to book your travel to be eligible for reimbursement.