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Many credit cards, including United MileagePlus cards, offer travel protections. The United Explorer Card, for example, offers travel insurance benefits such as trip cancellation insurance, lost luggage reimbursement, and rental car insurance. The card also provides up to $100 a day for up to three days for essential purchases like toiletries and clothing when baggage is delayed for over six hours. Additionally, the United Club Card offers protection and assistance when dealing with unexpected situations during travel. While these cards provide various travel protections, it is important to carefully review the specific benefits and exclusions outlined in the card benefits guide to understand the scope of coverage.
United Credit Card Travel Insurance Characteristics and Values
| Characteristics | Values |
|---|---|
| Card Type | United MileagePlus cards, including The New United℠ Business Card, United Club℠ Business Card, The New United Club℠ Card, The New United Gateway℠ Card, The New United℠ Explorer Card, The New United Quest℠ Card |
| Coverage | Trip cancellation insurance, lost/delayed luggage insurance, rental car insurance, accidental death or dismemberment coverage, emergency medical and dental coverage |
| Coverage Amount | Up to $10,000 per covered trip for cancellation and interruption, up to $3,000 for lost luggage reimbursement, up to $60,000 for rental car theft and collision damage, up to $500,000 for accidental death or dismemberment coverage |
| Exclusions | Loss of documents, cash, tickets, travellers cheques, furs, electronics, jewellery (above $500) |
| Claim Process | Call the benefits administrator at 1-888-880-5844 (US) or 1-804-281-5768 (outside US) within 20-60 days of the incident, provide details and complete paperwork |
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What You'll Learn
- United Explorer Card: trip cancellation, lost luggage, and rental car insurance
- United MileagePlus cards: trip interruption and delayed baggage coverage
- United Club Card: legal and medical referrals, and emergency assistance
- United Gateway Card: auto rental collision damage waiver, and trip cancellation/interruption insurance
- United Quest Card: travel protections
United Explorer Card: trip cancellation, lost luggage, and rental car insurance
The United Explorer Card offers travel insurance benefits that include trip cancellation insurance, lost luggage reimbursement, and rental car insurance. To be eligible for these benefits, you must pay for your travel using the United Explorer Card.
The trip cancellation insurance covers certain non-refundable travel expenses when a trip is cancelled or interrupted due to illness, injury, severe weather, or other covered reasons. You can be reimbursed up to $1,500 per covered traveller and $6,000 per trip for prepaid, non-refundable passenger fares.
The lost luggage reimbursement covers the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip. The coverage limit for this benefit is up to $3,000 per covered traveller.
The rental car insurance provides primary coverage and reimbursement of up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less. To utilise this benefit, you must decline the rental company's collision insurance and charge the entire rental cost to your United Explorer Card.
It is important to note that exclusions and coverage limits apply to these benefits, so it is advisable to review your United Explorer Card benefits guide for detailed information on each type of insurance coverage. Additionally, you can contact the provided phone numbers for further assistance with all United Explorer Card protection benefits.
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United MileagePlus cards: trip interruption and delayed baggage coverage
United MileagePlus cards offer travel protections that can come in handy if your trip is interrupted or if your baggage is delayed. The protections offered by these cards include:
Trip Interruption Coverage
In the event that your trip is interrupted or cut short due to covered reasons, you can be reimbursed for non-refundable travel expenses, including passenger fares, tours, and hotels. The reimbursement limits vary depending on the specific United MileagePlus card you hold. For most cards, the limit is $1,500 per covered traveller and $6,000 per trip. However, for The New United Club™ Card and The New United™ Business Card, the limits are higher at $10,000 per person and $20,000 per trip.
Delayed Baggage Coverage
If your checked or carry-on baggage is delayed, you are covered for essential purchases. This typically applies when your baggage is delayed for more than 6 hours, and you can be reimbursed up to $100 per day for up to 3 days for items like toiletries and clothing. Additionally, if your baggage is lost, damaged, or stolen during a covered trip, you can receive reimbursement of up to $3,000 per covered traveller for the cost of repairing or replacing your baggage and its contents.
It is important to note that certain exclusions and coverage limits apply to these benefits. Make sure to review your United MileagePlus card benefits guide for detailed information on the specific coverage provided by your card.
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United Club Card: legal and medical referrals, and emergency assistance
The United Club Card offers protection and assurance to help you deal with the unexpected when travelling. This includes legal and medical referrals, as well as emergency assistance services. For example, if you run into any problems while travelling, you can access legal and medical referrals through the card's benefits. You will, however, be responsible for the cost of any goods or services obtained through these referrals.
The United Club Card also provides reimbursement for essential purchases like toiletries and clothing when baggage is delayed for over 6 hours. This reimbursement can be up to $100 a day for up to 3 days. Additionally, the card offers reimbursement for the cost of repairing or replacing checked or carry-on baggage that is lost, damaged, or stolen during a covered trip. This reimbursement can be up to $3,000 per covered traveller.
If your common carrier travel is delayed by more than 12 hours or requires an overnight stay, the United Club Card will cover unreimbursed expenses, such as meals and lodging, up to $500 per covered traveller. Furthermore, if your trip is cancelled or cut short due to sickness, severe weather, or other covered situations, you can be reimbursed up to $10,000 per covered traveller and $20,000 per trip for prepaid, non-refundable passenger fares.
To access information about the most up-to-date benefits of the United Club Card, you can log in to Chase.com, click on the "MORE" drop-down menu, and select "CARD BENEFITS." For assistance with all United Club Card protection benefits, you can call 1-800-350-2919 or 1-214-503-2953. Please note that international charges may apply, so it is recommended to contact your service provider for additional details.
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United Gateway Card: auto rental collision damage waiver, and trip cancellation/interruption insurance
The United Gateway Card offers an auto rental collision damage waiver as well as trip cancellation/interruption insurance. This means that you can be reimbursed up to $1,500 per covered traveller and $6,000 per trip for prepaid, non-refundable passenger fares if your trip is cancelled or cut short due to sickness, severe weather, or other covered situations. To be eligible for reimbursement, you must use your United Gateway Card to pay for your travel.
The auto rental collision damage waiver covers reimbursement for theft and collision damage for most rental vehicles. The coverage is primary and provides reimbursement of up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less. To qualify for the waiver, you must use your United Gateway Card at the rental counter and decline the rental company's collision damage insurance. The cardholder must be the primary driver on the contract, and all additional drivers listed on the rental agreement will be covered as well.
It is important to note that the United Gateway Card does not offer as many travel protections as other United cards. Exclusions and coverage limits apply to the benefits, so it is recommended to check the benefits guide for more details on the specific coverages provided by the United Gateway Card.
To submit a claim for trip cancellation or interruption insurance, you may call $(888) 880-5844 or the number listed on the back of your card. For assistance with all United Gateway Card protection benefits, you can call 1-800-350-2919 or 1-214-503-2953.
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United Quest Card: travel protections
The United Quest Card offers a host of benefits to its cardholders, including travel protections. Here are some of the key travel protections offered by the United Quest Card:
Travel Protection Benefits
The United Quest Card provides built-in travel protection benefits that offer peace of mind while travelling. These benefits include:
- Reimbursement of up to $100 per day for up to three days for essential purchases like toiletries and clothing when baggage is delayed for over six hours.
- Reimbursement of up to $3,000 per covered traveller for repairing or replacing checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Reimbursement of up to $1,500 per covered traveller and $6,000 per trip for prepaid, non-refundable passenger fares if the trip is cancelled or cut short due to sickness, severe weather, or other covered situations.
- Up to $500,000 in accidental death or dismemberment coverage when paying for air, bus, train, or cruise transportation with the card.
- Rental car insurance: Decline the rental company's collision insurance and charge the entire rental cost to the United Quest Card. Coverage provides reimbursement of up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Additional Travel Benefits
In addition to the travel protection benefits mentioned above, the United Quest Card offers a range of other travel perks, such as:
- Priority boarding for the primary cardmember and companions on the same reservation for United-operated flights.
- 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United-operated flights and on premium drink purchases at United Clubs when using the Quest Card.
- A statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck, or NEXUS when charged to the card.
- Access to the United Quest Card concierge services for personalized assistance with reservations, referrals, and recommendations anywhere in the world.
- Instant access to room upgrades (when available), early check-in, late checkout (if available), and complimentary daily breakfast for two at over 1,000 Luxury Hotel & Resort Collection properties worldwide when booking through the collection's website.
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Frequently asked questions
The United Explorer Card does not offer travel medical insurance. However, it does provide travel insurance benefits, including trip cancellation insurance, lost luggage reimbursement, and rental car insurance.
The United Explorer Card travel insurance covers checked or carry-on luggage up to $3,000 per person and up to $500 for valuables. It also includes baggage delay insurance, reimbursing essential purchases if your baggage arrives over 6 hours late. Additionally, it covers trip delays of more than 12 hours, providing reimbursement for meals and lodging up to $500 per covered traveller.
To file a claim, you can call the benefits administrator at 1-888-880-5844 or the number listed on the back of your card. You typically have between 20 and 60 days from the incident to file a claim, depending on the type of incident.
Yes, several United co-branded credit cards offer travel insurance coverage, including the United Club Visa Infinite Card, the New United Business Card, and the New United Gateway Card. These cards provide benefits such as trip cancellation/interruption insurance, rental car collision damage waivers, and reimbursement for delayed or lost luggage.
