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Chase credit cards are often top of mind when travelers book trips, largely due to their travel protections. Many of Chase's premium credit cards offer a full suite of travel protections, including trip delay reimbursement and trip cancellation/interruption insurance.
Trip delay reimbursement covers reasonable out-of-pocket expenses during long flight delays. Meanwhile, trip cancellation/interruption insurance reimburses eligible nonrefundable travel expenses when a trip is canceled or cut short for a covered reason, such as illness, jury duty or a named storm warning.
This guide explains which Chase credit cards offer these benefits, what is currently covered and how to file a successful insurance claim.
Here is an overview of the Chase cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both:
Chase trip cancellation/interruption insurance can reimburse eligible nonrefundable travel expenses when a trip is canceled or cut short due to certain qualifying events, such as illness, severe weather, travel disruptions or legal obligations.
The full terms and conditions for what is covered on your specific card are outlined in your guide to benefits, which is available in your Chase account online.
For example, the Chase Sapphire Reserve's guide to benefits includes the following covered reasons and exclusions.
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Chase does provide an extensive list of things that are not covered by trip cancellation/interruption insurance as well:
The card covers nonrefundable prepaid travel expenses charged directly by a travel supplier, which is defined as a "Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers" by Chase.
The terms also note that mileage redeposit fees are covered if you need to cancel an award ticket.
That said, coverage does not include event tickets or other prepaid fees for theme parks, museums, golf courses or other points of interest unless they're booked as part of a travel package.
Trip delay insurance reimburses expenses incurred when your trip is delayed by more than six hours or requires an overnight stay. It does not include costs covered by the airline or other common carrier responsible for the delay — for example, if Alaska Airlines pays for a hotel during an overnight delay, you cannot claim it.
You and your family members are covered when you put at least part of a trip on your eligible Chase card.
Covered expenses include meals, lodging, toiletries and medication, but do not include prepaid trip-related expenses, such as tour or activity fees. In the past, TPG team members have had hotels, taxi fares, rental cars (to use to get to their hotel) and other essentials covered.
Chase defines covered hazards as equipment failure, inclement weather, strikes and hijacking/skyjacking. The guide to benefits specifically exempts any delay due to a covered hazard that was made public or made known to you before your departure.
When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim through Chase's online claims center.
Trip delay reimbursement requires the following documentation:
Trip cancellation/interruption insurance requires slightly different documentation:
When you fill out the claims form online, you will be asked to upload these documents. You can scan paper receipts (or submit clear photos) as needed. Typically, you have up to 90 days to file a claim after a delay or cancellation.
One of the documents required to file for trip delay reimbursement is a verification form that outlines the carrier's reason for the delay or cancellation. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Major U.S. airlines also have a process for requesting this information after the fact.
Keep in mind that if you did not book your reservation directly with the airline, you'll have to go through a third-party travel booking agency for a receipt. This includes online travel agencies (like Expedia or Orbitz) and credit card travel portals.
Here is an overview of the process different U.S. airlines require for you to receive a delay or cancellation verification form:
Related: Best credit cards with travel insurance
Having a card with travel insurance benefits can save you hundreds of dollars when unexpected hiccups occur in your travel plans. Still, it can be confusing to know what exactly is covered and what documentation you need to file a claim.
Nothing is worse than getting through an entire claims process only to be denied or having to start over because you don't have the required documentation for the insurance provider. Before you file a claim, make sure you have all the documents listed above.
Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case.
Refer to your card's guide to benefits for the latest information, as benefit terms may change at any time.
Related: Flight canceled or delayed? Here's what to do next
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