Auto Insurance: Your Travel Companion And Chase Cover

Travel insurance is a type of insurance that provides protection for expenses incurred while travelling, including trip cancellations, interruptions, delays, medical emergencies, and lost or damaged luggage. Chase, a major credit card issuer, offers travel insurance benefits on many of its credit cards, including the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. These benefits can include trip cancellation and interruption coverage, trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waivers. The specific coverage and benefits vary depending on the Chase credit card and the terms and conditions of the card. It is important to carefully review the benefits guide and terms and conditions of the card to understand the coverage provided and any exclusions or limitations.

Chase's travel insurance covers trip delays, cancellations and interruptions

Travel insurance is a feature offered on certain credit cards. Chase's travel insurance covers trip delays, cancellations, and interruptions.

Trip Delays

Chase travel insurance includes coverage for trip delays over 12 hours in length or overnight. It offers reimbursement for expenses such as meals, lodging, toiletries, and medication. The coverage is up to $500 per ticket, per trip.

Trip Cancellations

Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight is cancelled due to unforeseen circumstances, such as injury or weather conditions. Chase's trip cancellation insurance covers you up to $10,000 per person and $20,000 per trip for prepaid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Trip Interruptions

Trip interruption insurance can reimburse travellers for expenses associated with covered situations that unexpectedly cut their trip short. It provides reimbursement for prepaid, unused, and non-refundable travel expenses, such as plane tickets, hotel stays, or cruise line reservations.

It also covers lost luggage and baggage delays

Lost luggage reimbursement is a standard feature of travel insurance. If an airline loses your checked luggage, they are responsible for compensating you for your lost bags and their contents. However, airlines have different waiting periods until a bag is considered lost, usually between 5 and 14 days after the flight. Once a bag is considered lost, airlines are legally required to compensate you for the luggage and its contents, as well as refund any baggage fees you paid. The maximum liability amount allowed by the regulation is $3,800 per passenger for domestic flights, and $1,700 for international flights.

If you have travel insurance, you can file a claim for any remaining losses not covered by the airline. Most comprehensive travel insurance plans include coverage for baggage loss and baggage delay. Baggage delay coverage will reimburse you for the purchase of essential items such as toiletries and clothing for each of the days that you didn't have your belongings. Baggage loss coverage will reimburse you for the lost luggage, along with its contents, up to a specific dollar amount.

Chase offers travel insurance benefits with its Sapphire Reserve and Sapphire Preferred cards. These include baggage delay insurance of $100 per day for up to five days if bags are delayed for more than six hours, and lost luggage reimbursement of $3,000 per passenger and up to $500 for luxury items.

You can get rental car insurance with a Chase card

If you're a Chase Sapphire cardmember, you can benefit from rental car insurance. This insurance is a supplement to your current auto insurance policy. To get this benefit, you need to apply for and be approved for a Chase Sapphire card. Once you have the card, you need to ensure that the full amount of the car rental booking is charged to the card. Alternatively, you can use Chase Ultimate Rewards® points to pay for the rental car.

There are a few things to keep in mind. First, the cardmember must be the primary driver on the rental car agreement and must decline the rental car company's Collision Damage Waiver when picking up the vehicle. Second, the coverage is only valid for rentals lasting less than 31 consecutive days. Third, driving the rental car off-road can void the insurance protections. Fourth, certain types of vehicles, such as expensive and exotic cars, are not covered.

If you need to file a claim, you will need to provide a copy of the rental car agreement and a copy of your Chase Sapphire statement showing that the rental was paid for using the card or rewards points. In the case of vandalism or carjacking, a police report should also be included. Other documentation that may be required includes copies of the repair estimate, accident report form, and photographs of the damage.

It's important to note that the coverage provided by Chase Sapphire Preferred and Chase Sapphire Reserve cards differs. The former provides coverage up to the actual cash value of the vehicle, excluding certain expensive and exotic vehicles, while the latter provides coverage up to $75,000 and does not exclude expensive or exotic vehicles.

Chase's travel insurance includes emergency medical and dental coverage

Travel insurance is a feature offered on certain credit cards. It protects you from unforeseen circumstances that may disrupt your travel plans. Chase's Sapphire card is one such card that provides travel insurance.

The Chase Sapphire card's travel insurance includes emergency medical and dental coverage. If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured. This benefit is available to both Sapphire Reserve and Sapphire Preferred cardholders.

The travel insurance offered by the Chase Sapphire card also includes other benefits, such as trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, and auto rental collision damage waiver. These benefits can provide financial protection and peace of mind when travelling.

It is important to note that the coverage levels and specific benefits may vary depending on the card you hold. Therefore, it is recommended to read the fine print and understand the terms and conditions of your card's travel insurance policy.

You can get emergency evacuation and transportation coverage

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation. Chase Sapphire Reserve cardmembers can be covered for up to $100,000.

Medical evacuation insurance provides coverage for emergency medical transportation to the nearest adequate treatment centre if you become seriously injured or ill while travelling. If your attending physician determines that you should be transported home for care, the cost of emergency medical transportation could be hundreds of thousands of dollars.

Medical evacuation insurance can pay to transport your children home if you require a lengthy hospital stay. It can also pay for the cost of a medical escort on your return home, such as a nurse or doctor to monitor your vital signs, manage pain, and assist with medication administration.

If you are hospitalized during your trip, your medical evacuation travel insurance can pay for a round-trip flight for a friend or family member to come and stay with you. This benefit usually has a minimum hospital-stay requirement. For example, if you are hospitalized for seven days or more, your benefits might apply.

If you are travelling with children and are hospitalized during your trip, your travel insurance company can arrange for your children to fly home or to another U.S.-based location. Your benefits can compensate for the cost, minus any refunds for unused plane tickets. This benefit also usually has a minimum number of days for hospitalization that must be met to file a claim.

Medical evacuation insurance is often included in comprehensive travel insurance plans, but you can also buy a stand-alone travel medical plan.

Frequently asked questions