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The Guide to Chase Sapphire Preferred Travel Insurance

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Table of Contents

When does the Chase Sapphire Preferred® Card provide coverage?

Travel insurance benefits and limits on the chase sapphire preferred® card, the travel insurance benefits, explained, how do i file a claim, what if the card benefits are insufficient, the bottom line.

When travelers go abroad, many don’t think about travel insurance until something bad happens. But those who purchase their trip with the Chase Sapphire Preferred® Card are already covered for the most common travel woes.

Who qualifies for coverage under the Chase Sapphire Preferred® Card ? More important, how can you use your coverage in the worst-case scenario?

Empower yourself with the right information before you leave the country — then you'll be ready to lean on your travel insurance through Chase Sapphire Preferred® Card . Here’s what you need to know.

» Learn more: The best travel credit cards

To qualify, a portion of the trip must be purchased with the Chase Sapphire Preferred® Card or with Chase Ultimate Rewards® points earned from the card. Flight purchases made with Chase Ultimate Rewards® transferred to another program will not qualify for travel insurance benefits.

In many situations, travel insurance through the Chase Sapphire Preferred® Card extends beyond the primary cardholder. Trip cancellation, trip interruption, lost luggage and baggage delay coverage includes immediate family members, even if they aren’t traveling with the primary cardholder. However, there are limits to how many people can be covered per trip.

Rental car benefits are only given to the primary cardholder, who Chase defines as the “person to whom a U.S. credit card has been issued and their name is embossed on the card.” But if you meet the qualification requirements, any authorized drivers are also included in the rental car coverage.

» Learn more: Which Chase credit card is right for you?

We’ve included a table of all the travel insurance benefits provided by the Chase Sapphire Preferred® Card with further details about each benefit in the following sections.

Trip cancellation protection

If an event out of your control prevents you from departing for your vacation, trip cancellation benefits may help you recover some of your nonrefundable costs. When you pay for your trip using your Chase Sapphire Preferred® Card or using Chase Ultimate Rewards® points, the primary cardholder gets trip cancellation benefits up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered on the trip, the limit is $10,000 per trip or $20,000 per 12-month period.

» Learn more: Trip cancellation insurance: What you need to know

The trip cancellation benefit applies if a situation arises which prevents you from traveling on or before the departure date. Covered reasons include the accidental illness or injury to the traveler or a companion, severe weather that prevents a trip, or a change in military orders for the cardholder or their spouse or domestic partner.

Despite the name, trip cancellation doesn't mean cardholders can cancel their trip for any reason, or that all cancellations are covered. Travel arrangements canceled by a common carrier (like an airline or cruise line), tour operator or tour agency may not be covered, unless the cancellation is due to an organized strike or weather.

Trip cancellation also doesn't apply if you are in jail, have a reoccurrence of a pre-existing condition, or are “traveling or flying on any aircraft engaged in flight on a rocket-propelled or rocket launched aircraft.” Note, if the travel supplier cancels your trip but offers a credit or voucher for future travel, you will not be reimbursed by the Chase Sapphire Preferred® Card . If this scenario applies to you, you’ll need to decline the future travel credit to qualify for reimbursement under the Chase Sapphire Preferred® Card .

If you’re concerned with traveling and your reason for cancellation doesn't fall into one of the covered reasons, consider Cancel For Any Reason (CFAR) travel insurance, which is an optional add-on that you can purchase with a comprehensive stand-alone travel insurance policy.

» Learn more: The majority of Americans plan to travel in 2022

Trip interruption coverage

Trip interruption insurance kicks in after departure and protects your nonrefundable prepaid trip plans if an event during your trip results in an interruption. For example, if you’re injured a few days into your trip and need to return home, trip interruption benefits can help you get your money back on the unused portion of your hotel stay. Coverage provided by the Chase Sapphire Preferred® Card provides up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered, the limit is $10,000 per trip or $20,000 per 12-month period.

The benefit applies to any prepaid tour, trip or vacation charged to your Chase Sapphire Preferred® Card at a destination greater than one mile from your primary residence and for a trip that doesn’t exceed 60 days. Covered situations include accidental injury or illness experienced by the traveler, their companion or an immediate family member, severe weather preventing a trip, finding a primary dwelling to be uninhabitable or a quarantine imposed by a physician for health reasons.

» Learn more: Trip interruption insurance explained

Like the trip cancellation benefit, travelers can’t file a claim for common carrier-caused delays. In addition, traveling against a physician’s advice, to receive medical treatment, while on a waitlist for specific medical treatment or traveling with a pre-existing condition do not count as a trip interruption.

Trip delay protections

A delay can happen for any reason, from irregular operations to missing flight crews for aircraft. Depending on how long your flight is delayed, you could get reimbursed for your incidental costs, ranging from meals to a hotel room.

The Chase Sapphire Preferred® Card offers a trip delay benefit of up to $500 for each purchased ticket if you are delayed by 12 hours or require an overnight stay. The reimbursement can cover reasonable expenses, such as food, hotel rooms, toiletries and any medications you may need.

» Learn more: What you need to know about Chase's trip delay insurance

However, if the delay was made public before departing, you may not be covered by this benefit. Prepaid expenses are not covered under trip delay but could be covered under the trip interruption benefit.

Baggage delay reimbursement

The last thing any traveler wants is the baggage carousel to stop without their bags on it. Those who pay for their trip with the Chase Sapphire Preferred® Card automatically qualify for baggage delay benefits in the event they arrive at their final destination, but their bags do not.

If luggage is delayed by more than six hours while traveling on a common carrier (such as an airline or train line), the Chase Sapphire Preferred® Card baggage delay benefit can reimburse you for up to $100 in essential items per day the luggage is lost. The benefit maximum is five days of delayed luggage, for a total maximum benefit of $500.

Not all emergency items are covered under the benefit. Excluded essential items include contact lenses or glasses, hearing aids, business samples, jewelry, watches, electronic equipment and cell phones. In addition, travelers are only allowed to purchase one cell phone charger under the duration of the benefit.

Lost luggage coverage

The term “lost luggage” doesn’t just apply to bags that are never recovered. A luggage loss can also apply to bags damaged by an airline or certain items that are damaged inside the bag.

If your bags are damaged in transit, you could receive the actual cash value (replacement cost less depreciation) for the items lost, damaged or destroyed during handling up to $3,000. There are jewelry and electronics limits of $500 each, respectively. The benefit may also extend to repair costs for checked or carry-on luggage.

» Learn more: 4 easy ways to make sure your lost luggage is found

To qualify for the lost luggage benefit, all losses must be immediately reported to the carrier. A carrier damage report must be submitted with the claim, otherwise, it could be denied.

Auto rental collision damage waiver

The most unsung benefit of the Chase Sapphire Preferred® Card is the primary auto rental collision damage waiver. If you rent a car and pay for it with the Chase Sapphire Preferred® Card , you could receive reimbursement for damage due to collision or theft up to the actual cash value of the vehicle.

Because the insurance is primary coverage, you would not be forced to file a claim with other insurance sources before filing with the Chase. In order to use this benefit, however, renters must decline the rental company collision damage waiver or loss damage waiver. If the company forces you to purchase their collision damage waiver, you can call Chase for assistance.

Travel accident insurance

Travel accident insurance consists of two types of protections: Common carrier travel accident insurance and 24-hour travel accident insurance, both of which cover accidental death or dismemberment, loss of speech, sight or hearing that occur on a trip.

Common carrier travel accident insurance applies when a covered loss occurs when entering, exiting or riding as a passenger on an airline, bus, train, cruise ship or any other common carrier. The benefit limit is $500,000.

The 24-hour travel accident insurance covers any losses experienced beginning on the departure date and ending on the return date as printed on the airline ticket. The benefit limit is $100,000.

Any losses sustained while committing an illegal act, parachute jumping, or involving flights on aircraft that are not certified by the government, will void coverage.

Other assistance benefits on the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card provides access to two helpful pay-per use services: Roadside dispatch and travel and emergency assistance services.

For a set price, roadside dispatch offers standard towing, tire changing, jump starting, lockout service, fuel delivery and standard winching assistance 24 hours a day, 7 days per week.

Travel and emergency assistance provides help and referral services and connects you with appropriate local emergency and assistance resources while you’re traveling, 24 hours a day, 7 days per week. Example of services include medical referrals, legal referrals, emergency transportation assistance and more. The cost of using the services are the responsibility of the cardholder.

To file a claim for any of these benefits, your claim time frame begins the day the loss happens.

It’s important to file a claim as soon as possible, as claims can take time to process and provide reimbursement.

Claim information can be found in the benefits guide provided with the Chase Sapphire Preferred® Card . In addition to filing a claim form, you must provide supporting documentation to prove your loss. This includes reports from your airline or other transportation carrier, receipts for purchases related to the loss, or other proof of items lost, damaged or stolen that may be covered.

Once a claim is approved, it can be reimbursed in as few as five days. If you have any questions, call 888-320-9961 from within the U.S. or 804-673-1691 from outside the U.S. Claims can also be filed online at Eclaimsline.com .

If you consider the benefits offered by the Chase Sapphire Preferred® Card to be inadequate or you don’t have a premium travel credit card that provides travel insurance, consider getting a comprehensive travel insurance policy to protect your trip.

To find a policy in your state, you can either check with an insurance provider that you’re already familiar with or check out an insurance comparison site, like SquareMouth.

Insurance comparison sites provide numerous policies to choose from, including travel medical insurance, long-term travel insurance, Cancel For Any Reason coverage and more. Choosing the right plan for you depends on your trip goals and the benefits you’d like to have on your vacation.

» Learn more: How to find the best travel insurance

Despite being an entry level travel rewards card, the Chase Sapphire Preferred® Card offers a solid package of free travel insurance benefits. The card includes trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, auto rental collision coverage and travel accident insurance.

Yes, the Chase Sapphire Preferred® Card offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the benefit even if they aren’t traveling with him/her. If more than one individual is insured under the same card and sustains a loss on the trip, the benefit limit is $10,000 per trip and $20,000 per each 12-month period.

Examples of covered reasons include an accidental injury, illness or death of you or your traveling companion, natural disasters, military orders and jury duty. Generally, the reasons must be unforeseen and extraordinary. Trip cancellation coverage is included with the Chase Sapphire Preferred® Card and applies to the primary cardholder and his/her immediate family.

It depends on which card you have. The Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Ink Business Cash® Credit Card are three popular travel rewards credit cards offer travel insurance benefits.

If you have a credit card that offers travel insurance, check to see if the limits are sufficient to cover you for your trip. Although many premium travel credit cards provide complimentary travel insurance, the benefits are usually below those of a standalone travel insurance policy.

Despite being an entry level travel rewards card, the

Chase Sapphire Preferred® Card

offers a solid package of free travel insurance benefits. The card includes trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, auto rental collision coverage and travel accident insurance.

offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the benefit even if they aren’t traveling with him/her. If more than one individual is insured under the same card and sustains a loss on the trip, the benefit limit is $10,000 per trip and $20,000 per each 12-month period.

Examples of covered reasons include an accidental injury, illness or death of you or your traveling companion, natural disasters, military orders and jury duty. Generally, the reasons must be unforeseen and extraordinary. Trip cancellation coverage is included with the

and applies to the primary cardholder and his/her immediate family.

It depends on which card you have. The

Chase Sapphire Reserve®

Ink Business Cash® Credit Card

are three popular travel rewards credit cards offer travel insurance benefits.

Travel insurance through the Chase Sapphire Preferred® Card is free. Although the limits aren’t as high as you could get on a comprehensive travel insurance plan, they may be sufficient for your trip needs. These benefits and others , not to mention its mid-tier $95 annual fee, make it a solid entry-level travel rewards credit card.

» Learn more: How to get the most from the Chase Sapphire Preferred® Card

When planning a trip, consider your trip costs and the type of coverage you’re looking for before purchasing an independent policy, as the benefits provided by the Chase Sapphire Preferred® Card may be adequate.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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United Gateway℠ Card

Benefits & rewards

Get away faster — use your United Gateway Card for gas, groceries and more to get you closer to your next destination.

Earn award miles

• 2 miles per $1 spent on United purchases
• 2 miles per $1 spent at gas stations
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• 1 mile per $1 spent on all other purchases

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Pay with your United Card and get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights and on purchases of premium drinks in United Club locations.

No foreign transaction fees

Purchases made outside the U.S. with the Gateway Card are not subject to foreign transaction fees. It’s a great opportunity to use your card when you travel or shop online and earn award miles. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid non-refundable passenger fares if your trip is canceled or cut short by covered situations like sickness or injury.

Redeem Miles

Use your miles to connect with more of the world. You can earn and use MileagePlus miles on United and on any of the other member airlines in the Star Alliance network.

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Your MileagePlus miles now take you even further. You can use your miles for car rentals at Cars.MileagePlus.com , as well as for hotel stays at thousands of properties around the world at HotelAwards.MileagePlus.com .

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Enjoy shopping when you use your miles for electronics, home goods, accessories, jewelry and more from your favorite brands. Go to  MileagePlusAwards.com to shop.

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As a Cardmember, enjoy personalized assistance with all your travel needs, from arranging gifts and business services, to obtaining restaurant recommendations and reservations, and much more. For Concierge Services, call 1-800-953-7392 , 24 hours a day, 7 days a week.

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Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2023]

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Chase Sapphire Preferred Card Overview

Auto rental collision damage waiver, trip cancellation and trip interruption insurance, trip delay reimbursement, lost luggage, roadside dispatch, travel accident insurance, travel and emergency assistance, no foreign transaction fees, filing a claim, other credit cards, travel insurance policies, final thoughts.

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The Chase Sapphire Preferred ® Card is a solid choice for your first travel rewards credit card. The card’s strengths include its ability to earn valuable Chase Ultimate Rewards Points on every purchase, the variety of redemption options it offers, and even its shopping benefits.

In addition to the key benefits of strong earning power and travel redemption flexibility, the Chase Sapphire Preferred card has your back with travel insurance coverage that offers peace of mind and potential savings during your journey.

If you travel frequently, chances are you’ve used a travel insurance coverage or benefit and realize the value of having this protection. It’s reasonable to expect that a travel rewards card you use to pay for your travel will have associated trip benefits. Unfortunately, credit card issuers have recently cut back on both travel and shopping benefits.

While some other cards are cutting back, the Chase Sapphire Preferred card offers prominent travel insurance coverage and benefits. Whether you currently have the card or are considering it, you’re sure to find this information useful when comparing travel rewards cards.

To put the Chase Sapphire Preferred card ‘s coverage into context, it’s important to have a little background. Below, you’ll find important card information like any welcome bonus and annual fee.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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Car Rental Loss and Damage Insurance

The Chase Sapphire Preferred card shines at providing car rental insurance coverage when compared to other travel rewards cards.

Unlike most travel rewards cards, the coverage you receive with the Chase Sapphire Preferred card is primary car insurance coverage compared to secondary, which means you do not have to file an insurance claim with your own auto insurance company first for coverage to be valid.

To activate the coverage on your card, simply reserve and pay for your rental car with the Chase Sapphire Preferred card , then decline the rental car agency’s collision damage waiver coverage.

The cardholder and any additional drivers you list on the rental agreement are covered.

Coverage You Can Expect:

• Damage to or theft of the rental car
• Loss of use charges imposed by the rental car company while the vehicle is being repaired
• Reasonable and customary towing charges

Conditions:

• Coverage is valid in most countries
• The rental period must not exceed or intend to exceed 31 consecutive days
• Coverage is primary

Exclusions:

• Exceptionally expensive, exotic, and antique vehicles are not covered
• Also excluded are open cargo bed vehicles, trucks, and recreational vehicles
• Motorcycles, mopeds, and motorbikes
• All limousines and vans that transport more than 9 people
• Losses due to off-road use of the rental vehicle
• Liability insurance coverage is not included

Bottom Line: According to the Insurance Information Institute , a car rental agency’s collision damage waiver coverage can cost $9 to $19 per day, even more depending on where you’re renting the vehicle. Having primary rental car insurance with the Chase Sapphire Preferred card could save you hundreds of dollars on a multi-week car rental. 

In addition to car rental insurance, one of the most valuable benefits to have on your travel rewards credit card is coverage when there’s a disruption during your travels.

Pay for your trip in full or in part with your Chase Sapphire Preferred card or Chase Ultimate Rewards points and receive up to $10,000 if a covered loss prevents you (or other covered persons) from traveling. The maximum benefit for each occurrence is $20,000 and $40,000 maximum per 12-month period.

Expenses covered include any non-refundable, prepaid transportation arrangements that were missed plus change fees.

The definition of who is covered for trip cancellation and trip interruption coverage is broad. The cardholder, spouse or domestic partner, and immediate family are eligible for coverage. Immediate family includes adopted or step-children, legal guardians/wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, and nieces or nephews.

The trip cannot exceed 60 days in duration and the destination must be more than 1 mile from home for coverage to be valid.

Covered events include:

• Accidental injury, loss of life, or illness experienced by the cardholder, immediate family, or traveling companion
• Severe weather
• Change of military orders
• Terrorist events or hijackings
• Jury duty or subpoena that cannot be postponed or waived
• Finding that your residence has become uninhabitable
• You have been quarantined

Hot Tip: If you pay for your immediate family’s trip with your Chase Sapphire Preferred card or Ultimate Rewards points , they are eligible for trip interruption and trip cancellation insurance coverage, even if you are not traveling with them. For more card options that come with trip cancellation insurance, check out our full guide to the best credit cards for trip cancellation and interruption insurance .

If your trip is significantly delayed, you may be stranded overnight and need to purchase necessities or incur other unexpected expenses such as lodging and additional meals.

Trip delay reimbursement pays up to $500 per ticket for covered expenses that are not paid for by the common carrier. The delay must be overnight or greater than 12 hours in duration.

Baggage Insurance

When traveling on a common carrier, if your baggage is delayed more than 6 hours, you could receive up to $100 reimbursement per day , for up to 5 days, for incidentals purchased.

You can expect to be reimbursed for essential items such as:

• Cell phone charging cable (1)

If your luggage is lost or damaged, lost luggage coverage will pay to repair or replace the luggage plus the cost of personal items lost, up to $3,000 per person, per trip.

You must report the loss to the common carrier first as the Lost Luggage benefit is in excess of any payments you receive from that carrier.

If you’re stranded on the side of the road, lock your keys out of your car, or your car fails to start, you’ll find Roadside Dispatch a welcomed benefit. The coverage provides 24/7 roadside assistance that is just one call away.

Services You Can Expect:

• Changing your flat tire when you have an inflated spare
• Delivery of up to 5 gallons of fuel
• Jump starting
• Lockout service
• Standard towing up to 5 miles
• Standard winching

Service extras such as towing beyond 5 miles, the cost of a replacement key, or the cost of the actual fuel being delivered, are additional charges and the responsibility of the cardholder. However, you won’t pay more than the pre-determined flat rate fee of $69.95 for the initial service call, as it is set in advance.

It’s painful to think about something serious happening during your travels, but there are benefits available in case you’re faced with such a tragic event.

The Chase Sapphire Preferred card is one of a few cards to offer travel accident insurance . The cardholder and immediate family members are covered even if the cardholder is not traveling with the immediate family. The ticket must be paid for in full or partially with your Chase Sapphire Preferred card or Ultimate Rewards points.

Chase’s travel accident insurance is divided into 2 coverages:

• Common Carrier Travel Accident Benefit — Covers you while you are a passenger on any common carrier or at the airport, terminal, or station immediately before or after your trip.
• 24-Hour Travel Accident Benefit — Provides coverage as soon as you embark on your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, and hearing.

Coverage on the Common Carrier benefit is limited to up to $500,000 and $100,000 maximum on the 24-hour travel accident benefit. Only 1 benefit can apply per trip.

You’re just one call away from assistance or referral help anytime you need it 24/7. Calling the toll-free number when in the U.S. or the collect-call phone number on the back of your card when traveling out of the country is the fastest way to receive assistance.

In addition to you (the cardholder), your spouse or domestic partner and dependent children under 22 can also use the service.

Referral assistance is complimentary, but the cardholder is responsible for the actual goods or services provided .

• Emergency Message Service — Record and relay emergency messages to travelers
• Medical Referrals — Referral to an English-speaking medical practitioner to monitor your progress and serve as a patient liaison
• Legal Referrals — Referral to an English-speaking attorney, U.S. Consulate or embassy, and assistance with bail bond arrangements
• Emergency Transportation — Help with making arrangements for emergency transport to the nearest medical facility
• Emergency Ticket Replacement — Assistance replacing a lost ticket with your carrier
• Lost Luggage — Provides assistance filing a lost luggage claim or help with replacement items
• Translation Services — Assistance with local language translation services
• Prescription and Valuable Documents Replacement — Assistance getting prescriptions filled at a local pharmacy or locating and transporting valuable documents
• Pre-trip Assistance — Includes help finding an ATM, assistance with visas, health precautions, and other pre-trip information

You don’t want to be hit with 3% fees when using your card during international travels. The Chase Sapphire Preferred card doesn’t charge foreign transaction fees,  which is thankfully true of many cards nowadays.

If you spent $4,000 abroad on a family vacation, the savings would equal $120.

It’s prudent to think about the claim process even before you embark on your journey . Should you need to make a trip interruption, trip delay, or trip cancellation claim, the process will be much easier if you have gathered the information and documentation you need during the event versus after the fact.

Contact the plan administrator as soon as possible during or after the disruption for guidance and to file a claim. You may be expected to provide any of the following when submitting a claim for a trip interruption, trip cancellation, or trip delay :

• A completed and signed claim form
• Credit card statement with the last 4 digits of the card or receipts showing you paid for the trip with an eligible card or points
• A copy of your transportation ticket and itinerary
• Medical documents or a death certificate for health-related claims
• A statement from the carrier stating why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the carrier, tour company, or travel supplier’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

The documentation needed is not requested by Chase, but by the third-party claim administrator, therefore Chase statements validating your trip purchase are necessary. Knowing this upfront allows you to store your trip receipts in advance for easy access should you need them.

Hot Tip: Prior to your trip, contact the benefits administrator for clarification of trip coverage and to inquire about any special destination information you should know. You can also be proactive by reviewing the claim process before your trip to learn about any required documentation that would be needed in case of an event.

How Coverage Compares

Travel protection and insurance vary greatly by the credit card issuer and can change periodically. In general, here’s what you can expect in the way of travel protections by major issuers:

Chase issues credit cards including the Chase Sapphire Preferred card, Chase Sapphire Reserve ® , and Ink Business Preferred ® Credit Card offer the comprehensive collection of trip protections reviewed in this article. The Chase Sapphire Reserve card additionally offers emergency medical evacuation, $2,500 in emergency medical and dental coverage, and a shorter delay for trip delay coverage.

American Express

American Express offers secondary car rental insurance versus primary coverage, accident insurance, premium roadside assistance, a Global Assist Hotline, and baggage insurance. There is also emergency medical evacuation coverage that comes with The Platinum Card ® from American Express . The issuer does not offer trip interruption, cancellation, or delay coverage .

Capital One

You’ll find secondary car rental insurance, roadside dispatch, accident insurance, lost and delayed baggage, and emergency travel assistance on some Capital One cards including the Capital One Venture Rewards Credit Card .

Bank of America

Bank of America travel rewards cards generally do not offer trip protection or major travel benefits.

Hot Tip: For more details, check out our guide to the best credit cards for travel insurance .

Travel protections, benefits, and insurance that come complimentary on credit cards are not designed to take the place of a comprehensive travel insurance policy.

A comprehensive travel insurance policy allows you to select the type of coverage you need and the coverage limits that match your level of risk, whether you’re protecting a significant financial outlay or the potential physical risks associated with the trip. You can also purchase a travel insurance policy that can cover one specific trip or many trips over a specific time period.

With that said, by taking a few minutes to read through the trip protections offered on the Chase Sapphire Preferred card, you may find enough coverage to satisfy your trip protection requirements for your next trip. As always, you should review the card benefit coverages carefully before you travel and purchase any needed travel insurance to fill in any gaps.

Bottom Line: The Chase Sapphire Preferred card offers a high level of travel protection and insurance compared to other travel rewards credit cards. This level of coverage may be more than sufficient for your trip. 

Having travel insurance brings with it the peace of mind to enjoy your journey without worry of any significant financial expense should something go wrong.

To avoid a false sense of security, however, you’ll want to call the benefits administrator (using the number on the back of your card) to ensure you have the coverage you need.

For example, you may assume you have coverage for emergency evacuation on that mountain trek, but the Chase Sapphire Preferred card does not carry this coverage. If the protection is important to you, you’ll want to be aware (and purchase separate coverage) before you embark on your journey.

Additionally, you may want to confirm that the country in which you’re renting is one that is covered under Chase’s car rental collision damage waiver, although most are.

While the Chase Sapphire Preferred card offers some of the best travel protection and insurance benefits of any travel rewards card, these benefits are not a substitute for comprehensive travel insurance.

If you’re spending thousands on a vacation for an entire family, booking an expensive cruise, or planning a trip with several forms of transportation involved, you may want to make sure that card-provided benefits provide protection at a level with which you’re comfortable.

If not, you should purchase a comprehensive travel insurance policy.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the chase sapphire preferred card worth it.

Yes. The Chase Sapphire Preferred card offers the best travel insurance protection of any major credit card, but that is just one of the strong benefits of having the card.

First, the annual fee is lower than other travel rewards cards that offer similar benefits. Additionally, you’ll earn valuable Ultimate Rewards points which can be redeemed for 25% more value when used for travel.

You can also transfer points to airline and hotel partners, receive a statement credit, or purchase gift cards.

Finally, you’ll find shopping benefits such as purchase protection and extended warranty for eligible purchased items.

Does the Chase Sapphire Preferred card have travel insurance?

The Chase Sapphire Preferred card has a long list of travel protections and insurance . You’ll find the all-important primary car rental insurance, trip interruption, trip cancellation, and trip delay insurance, which can be difficult to find on other travel rewards cards.

In addition, the card offers travel accident insurance, lost and delayed baggage coverage, roadside assistance, and travel and emergency assistance.

Does the Chase Sapphire Preferred card have lounge access?

The Chase Sapphire Preferred card does not come with a complimentary lounge access benefit.

However, the Chase Sapphire Reserve card offers complimentary Priority Pass Select membership which affords the cardholder access to over 1,300 worldwide lounge properties.

If the Chase Sapphire Preferred card better than the Chase Sapphire Reserve card?

Both cards offer a comprehensive collection of travel protections and benefits.

However, the Chase Sapphire Reserve card is a premium travel rewards card that comes with premium travel rewards benefits including complimentary worldwide lounge access, travel statement credits, elevated earnings on travel and dining, and 50% more value when redeeming Ultimate Rewards points for travel.

The Chase Sapphire Reserve card also comes with a much higher annual fee than the Chase Sapphire Preferred card.

A good strategy, if you’re just starting out, is to start with the Chase Sapphire Preferred card with its lower annual fee.

If you then want more travel benefits, are comfortable paying a higher annual fee, and can utilize the travel benefits that come with the Chase Sapphire Reserve card, it can be your subsequent move.

Does the Chase Sapphire Preferred card cover the Global Entry fee?

No. The Chase Sapphire Preferred card does not offer reimbursement for the Global Entry application or renewal fee.

Do the Chase travel benefits cover my trip if I use Ultimate Rewards points to pay?

Yes. You can purchase your trip in part or in full with your Chase Sapphire Preferred card, Ultimate Rewards points, or a combination of the two, and trip protections and benefits will still apply.

Be sure to check the benefits guide for details.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Chase Sapphire Travel Insurance Offered On Cards

T he Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card are two of Chase's most coveted credit card products. With benefits ranging from travel and dining to lounge access and purchase protection, each card has its own set of perks. And one of these perks that's especially beneficial is the travel insurance offered on Chase Sapphire cards. Although you probably won't need to use it often, this particular perk can be a lifesaver if travel doesn't go quite as planned.

Don't wait for something unfortunate to happen on your trip to understand how the insurance works. Find out what's covered, how to claim it and other essential information that can help you best utilize this credit card benefit when things go wrong with this guide to Chase Sapphire travel insurance.

How Does Chase Sapphire Travel Insurance Work?

Chase's Sapphire travel insurance can cover your trip in case of cancellation or interruption, reimburse expenses due to trip delays or lost/delayed baggage and provide supplemental medical insurance or evacuation coverage in case of accident or emergency.

To use Chase Sapphire travel insurance, you must be a Chase Sapphire cardholder and have used that card to pay for some or all of your travel costs for whatever particular trip you'd like to claim the insurance on. Chase defines the cardholder as someone whose 'name is embossed on an eligible Card issued in the United States.' In many cases, spouses, children and immediate family members* may also be covered, even when the cardholder isn't traveling with them, but this varies by card and insurance benefit.

Finally, it's important to know that travel insurance benefits vary by Sapphire card. The travel insurance benefits the Chase Sapphire Reserve card offers can differ from the travel insurance benefits the Chase Sapphire Preferred card provides.

What Is Covered With Chase Sapphire Travel Insurance?

Here are the various travel insurance benefits available for Chase Sapphire cardholders:

Trip Cancellation/Interruption Insurance

This benefit offers reimbursement of up to $10,000 per covered person and $20,000 per trip for cancellation or interruption of travel for the cardholder and immediate family members, assuming a part of the trip has been charged to the cardholder's Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. Maximum coverage in a 12-month period is limited to $40,000.

Eligible travel expenses are considered non-refundable, prepaid travel expenses, things like flights, cruises, hotels, car rentals and more. If you paid using Rewards points, you'll be reimbursed at their monetary value or at $.01 per point.

Chase Sapphire Travel Insurance covers situations like:

• Injury, illness or hospitalization that prevents you from traveling
• Severe weather events
• Jury duty or military order
• Quarantine imposed by a physician
• The lodging at your destination becoming uninhabitable

Chase Sapphire Travel Insurance doesn't cover situations like:

• A change in your financial circumstances
• Failure to obtain required visas or passports
• Not wanting to travel due to civil unrest

Trip Delay Reimbursement

This insurance benefit offers reimbursement for reasonable expenses incurred during a trip delay for up to $500 for each ticket purchase when you're delayed for more than six hours or require an overnight stay for Chase Sapphire Reserve cardholders and more than 12 hours or require an overnight stay for Chase Sapphire Preferred cardholders.

The benefit extends to both the cardholder and accompanying family members (spouses and children under 26). The insurance covers reasonable expenses such as meals, lodging, toiletries and medication.

Travel Accident Insurance

If you have a transportation incident during travel, travel accident insurance covers you, assuming you paid for the transport using a Chase Sapphire card. Travel accident insurance extends to the cardholder and immediate family members.

For Chase Sapphire Preferred cardholders, the covered loss of life benefit amount in the case of a common carrier travel accident (like a flight, cruise, or train incident) is $500,000 per insured person. The 24-hour travel accident insurance, meanwhile, is $100,000. Specific losses covered include things like loss of sight, hearing or limbs.

For Chase Sapphire Reserve cardholders, a maximum amount of up to $1 million is covered for common carrier travel accidents, while 24-hour travel accident insurance remains at $100,000.

Travel and Emergency Assistance Services

If you run into an emergency when traveling, you have access to complimentary assistance along with your spouse and any dependent children under 22 who are traveling with you. This includes things like emergency transportation assistance, medical referrals and legal referrals. However, the costs of these services aren't covered, just the help in sourcing them.

Lost Luggage Reimbursement

If your or your immediate family members' luggage is lost, your checked and carry-on baggage are each covered for up to $3,000 per person per trip. Jewelry and watches are capped at $500 per covered person as are cameras and other electronics.

These items aren't covered in the policy:

• Items you may have left behind
• Documents/papers
• Travelers' Checks

Baggage Delay Insurance

If your or your immediate family members' baggage is delayed for more than six hours, this benefit offers reimbursement for emergency purchases of essentials like toiletries, chargers and clothing. You can get up to $100 daily (up to a maximum of five days).

There's a long list of items that aren't covered; here are some to note:

• Jewelry and watches
• Cameras and electronics
• Hearing aids

Auto Rental Collision Damage Waiver

You can also benefit from the Auto Rental Collision Damage Waiver. The Sapphire version of coverage is Primary , meaning you don't have to file with your insurance company first. This offers reimbursement for damages caused by theft or collision up to $75,000 for rental periods up to 31 days when the Chase Sapphire Reserve card is used to pay for the entire car rental transaction.

Cardholders of the Chase Sapphire Preferred also have this benefit, but the reimbursement amount for damages caused by theft or collision is capped at the Actual Cash Value of most rented cars.

Additional Benefits Covered With Chase Sapphire Reserve Travel Insurance

These are two additional travel insurance benefits available only for Chase Sapphire Reserve cardholders. Here's what they cover.

Emergency Evacuation and Transportation

This benefit covers emergency evacuation and transportation up to $100,000 for you, your spouse and eligible children under the age of 19 (or 26 if they're enrolled as a full"time student at an accredited university). Note that this must be pre-approved by Chase in conjunction with a doctor who certifies that the evacuation is necessary due to severe injury or illness. This benefit also covers repatriation of remains up to $1,000.

Emergency Medical and Dental Benefits

Chase Sapphire Reserve travel insurance also offers emergency medical and dental benefits. Oddly, this benefit only applies to trips that were arranged by a travel agency.

The amount covered is up to $2,500 with a $50 deductible on covered trips. In addition to the cardholder, this benefit covers spouses/domestic partners and/or legally dependent children under 19 (or 26 if legally enrolled as a full-time student at an accredited university).

Do note that this benefit doesn't cover medical situations caused by adventure activities that travelers may do, like scuba diving, parachuting, rock climbing and beyond.

How Do I Claim My Chase Sapphire Travel Insurance?

To file a claim with Chase Sapphire Travel Insurance, you must call the Benefit Administrator. Each type of insurance has different requirements for what documentation you need to provide when submitting a claim.

Each type of claim also has a different time period allowed for submitting a claim. These are the following timelines to know:

• For Trip Cancellation/Trip Interruption claims : Submit within 20 days of cancellation/interruption. Then, return the completed and signed forms/requested documentation within 90 days (or a maximum of one year after the 90-day deadline).
• For Trip Delay Reimbursement claims : Submit within 60 days of delay. Then, return completed and signed forms/requested documentation within 100 days.
• For Lost Luggage claims : Start by filling out the proper documentation for the airline that lost your luggage (save a copy). Contact the Benefits Administrator within 20 days of when your baggage was lost, damaged or stolen. You should receive a claim form within 15 days, which you should submit, alongside documentation, within 90 days.
• For Baggage Delay claims : Start by completing the proper documentation for the airline on which your bag was delayed (save a copy). Contact the Benefits Administrator within 20 days of the delay, then return documentation and forms within 90 days (or a maximum of one year after the 90-day deadline).
• For Auto Rental Collision Damage Waiver claims : Request the proper documentation from the car rental company (and police, if applicable), then contact the Benefits Administrator within 100 days of the incident. Submitting documentation varies by state but is usually required within 120-365 days of the incident.
• Emergency Evacuation and Transportation claims : Call the Benefits Administrator immediately upon incident, then submit the claim and documentation within 180 days of the occurrence.
• Emergency Medical and Dental Benefits claims : Call the Benefit Administrator within 90 days of receiving medical care on your trip, then submit the claim and documentation within 180 days of the occurrence.

Chase Sapphire Reserve cardholders can call 1-888-675-1461 while in the U.S. or call collect at 1-804-281-5772 while outside of the U.S. to file claims. Chase Sapphire Preferred cardholders can call 1-888-320-9961 while in the U.S. or call collect at 1-804-673-1691 while outside of the US to file claims.

An alternative is to visit www.eclaimsline.com to submit your claims.

Bottom Line

Hopefully, you won't need to use it, but it's nice to know Sapphire cardholders have access to Chase Sapphire travel insurance benefits that can help you out of a minor (or serious) pickle.

However, it's important to read the fine print for both the Chase Sapphire Preferred travel insurance benefits and the Chase Sapphire Reserve travel insurance benefits , as there are many exclusions and provisions that you should know before submitting a claim. And when it comes to submitting those claims, make sure to do so within the allocated time periods to ensure coverage.

*Unless otherwise specified within each type of insurance, Chase states that 'Immediate family members include: spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition. Immediate Family Members also include legal guardians or wards.'

United Gateway Card: A mere amuse-bouche in an array of hearty entrees

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Our take: Although there’s no annual fee, the lack of a checked bag perk or other flying benefits with the United Gateway℠ Card leaves us hungry for more.

United Gateway℠ Card

Intro bonus, rewards rates.

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

United Gateway℠ Card Overview

Card type: Airline

The United Gateway℠ Card is an intriguing card at first glance. This no-annual-fee airline credit card comes with an intro APR offer and earns elevated rewards in several useful areas of everyday spending. It’s also worth noting this is the only co-branded United credit card that charges no annual fee, as the Gateway’s big siblings come with price tags ranging from $95 to more than $500 per year.

Sounds pretty appealing, right? But like a souffle without egg whites, the United Gateway card falls flat. Without airline-specific benefits like a free checked bag or priority boarding, most folks would be better off with a card that earns a flat 2% cash back on everything, rather than just 2X miles back on some things and 1X miles on the rest. 

Those who hanker for a United co-branded card should know that there are three other consumer United co-branded cards available, and all offer expanded Saver Award access (meaning more potential for good deals when redeeming your miles for flights), checked bag perks, priority boarding and more, and one of them even waives the annual fee the first year. More on that below.

Who is the United Gateway℠ Card good for? 

The United Gateway card is good for two types of travelers: Someone who occasionally flies United and doesn’t need to check a bag and someone who earns flexible travel rewards they can transfer to United Airlines and wants access to Saver Awards ticket availability.

Who shouldn’t get the United Gateway℠ Card? 

The United Gateway Card is not a good fit for someone who frequently checks a bag or values priority boarding. If you want a United Airlines credit card with these perks, there’s a plethora of other options.

United Gateway℠ Card: How to earn rewards

The United Gateway card earns United MileagePlus miles at the following rates:

• 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases. 
• 2 miles per $1 spent on United® purchases, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1 mile per $1 spent on all other purchases.

There’s a first-year welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

How to redeem United Gateway℠ Card rewards 

The United Gateway card earns United MileagePlus miles, which can be redeemed in several ways.

Use miles to book United and partner airline award flights 

Using your miles for flights is typically the highest value use of your earnings. United Airlines is a member of the Star Alliance airline group, which means you can use your MileagePlus miles to book flights on any of the 26 alliance members to over 1,200 destinations worldwide. Award flights on both United and partner airlines are dynamic, meaning the price and number of miles required for bookings will rise and fall based on demand.

United also offers Saver Award and Everyday Award fares on some flights. Saver Awards fares are flights offered at the lowest mileage requirement available on an award flight. Everyday Award fares are often more available but require more miles than Saver awards. 

Although Saver Awards are available on some flights to all MileagePlus members, owning an eligible co-branded United credit card or having Premier elite status will show “hidden” Saver Award availability on some routes that other MileagePlus members cannot access. (If you fly United enough to want expanded Saver Award access, you may find it worthwhile to get one of the United credit cards that charges an annual fee.)

Here’s an example of how redeeming miles to book Saver and higher-class seats can be valuable. Consider this one-way flight from Newark to Los Angeles on Sept. 10, 2024:

As you can see, the flight would cost 18,100 miles without Saver access, but a select number of Saver Award seats are available in economy on the 2 p.m. flight for just 15,000 miles.

The cash price for those same regular economy flights is $185 each plus taxes and fees. This would make the miles used to buy that Saver economy seat worth about 1.2 cents per point, which is a just-OK redemption. 

If you had your eye on a more premium experience, you’ll see that the 2 p.m. flight has a business class seat for 80,000 miles plus taxes and fees and a cash price of $1,334. This would make your miles worth roughly 1.7 cents per point if you value the added comfort.

You can book flights using just your miles or a combination of miles and cash. However, using just miles typically yields the best value. 

It’s always beneficial to get more for less, particularly when it comes to rewards. However, it still pays to do the math to make sure the redemption you’re considering is a good use of your points. Ultimately, the best redemption will be different for everyone, but as a rule of thumb, you should aim to get more than a penny per point in value from your miles.

Other redemption options

United MileagePlus miles can also be redeemed to book travel including hotels, rental cars and cruises through the United site, used to upgrade or pay for seat assignments, upgrade seats, prepay for checked bags, cover a TSA PreCheck application fee or renewal fee, or pay for a United Club membership, in-flight dining, in-flight WiFi or a meal at select restaurants and bars at Newark Airport (EWR) and Houston Intercontinental Airport (IAH).

However, most of the options typically are less valuable than redeeming towards flights. For example, it takes 11,000 miles to cover the $78 TSA Precheck application fee, which gives you a value of just 0.7 cents per mile.

United Gateway℠ Card rates and fees

• Annual fee: $0
• Foreign transaction fee: None.
• Intro APR: 0% Intro APR on Purchases for 12 months. After that, 21.99%–28.99% variablevariable APR applies.
• Purchase APR: 21.99%–28.99% variable.

Additional benefits

• Get 25% back on United in-flight and Club premium drink purchases: You’ll receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with the card.
• Trip cancellation/interruption insurance: If your trip is canceled or cut short by covered situations like sickness or injury you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares.
• Purchase protection and extended warranty coverage: New purchases are covered for up to 120 days against damage or theft,  up to $500 per claim and $50,000 per account—and eligible warranties can be extended for up to an additional year on purchases made with the card.
• One-year complimentary DashPass subscription: Enroll and receive a membership for both DoorDash and Caviar food delivery services with unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Credit cards similar to the United Gateway Card

If you’re in the market for a low-cost travel card to gain some benefits and perks, there are other options that may be a better fit than the United Gateway card. Here’s how two popular options stack up.

United SM Explorer Card vs. United Gateway℠ Card

If you’re flying United enough to consider getting a co-branded card, a low-cost alternative to the Gateway card would be the United SM Explorer Card card. For a $0 introductory annual fee for the first year (then $95), you get a free checked bag perk for you and a companion, plus a Global Entry/TSA Precheck application fee reimbursement every four years. These perks alone can make up for the cost of the relatively low annual fee if you fly somewhat regularly. 

The Explorer Card also earns 2X miles per dollar on United purchases (including tickets, in-flight food, beverages and Wi-Fi, Economy Plus® and more), dining, and hotel accommodations booked directly through the hotel. You’ll earn 1x miles on all other purchases. The welcome offer is also more robust than what’s offered on the Gateway card: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. 

Someone seeking United perks through credit card ownership will find that the Explorer card, or its more expensive and increasingly perk-laden siblings, the $250-annual-fee United Quest card and the $525-annual-fee United Club℠ Infinite Card have more to offer than the Gateway card.

Chase Sapphire Preferred ® Card vs. United Gateway℠ Card

Although the Chase Sapphire Preferred ® Card carries a $95 annual fee and doesn’t come with any airline-specific benefits, infrequent flyers may find greater value in this card over the no-annual-fee Gateway card. The Chase Sapphire Preferred offers up to $50 in statement credits annually toward hotel bookings made through Chase.

Plus, this card has a rich rewards structure of 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining at restaurants, including takeout and eligible delivery services, 2x points on travel purchases not booked through Chase, 1x points on other purchases and 5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel).

New cardholders also have the opportunity to earn a welcome bonus of 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

The main benefit the Sapphire Preferred has over the Gateway card is that it earns Chase Ultimate Rewards, which are flexible points that can be used to book flights, hotels, and other types of travel through Chase or transferred at a 1:1 rate to partner airline and hotel programs. Using your points for travel through Chase offers 25% more value, meaning each point is worth 1.25 cents compared to the 1 cent per point value you’d get if redeeming your rewards for cash back. 

United Airlines is among Chase’s list of travel partners, as well as other popular programs such as Southwest Airlines Rapid Rewards and World of Hyatt . Transferring rewards to partners is often the way to maximize your redemption value if you’re willing to spend some time strategically looking for the best deal. In short, the Sapphire Preferred’s plethora of redemption options gives you far more choices of what to do with your rewards then the Gateway card.

Is the United Gateway℠ Card right for you?

The United Gateway Card is right for just a slim slice of travel rewards seekers: Those who wish to earn United miles and can’t stand to pay an annual fee—even if they can get a free checked bag perk—or those looking to downgrade an existing higher-priced United card. If this sounds like you, the Gateway card will serve your needs.

Frequently asked questions 

What is the credit limit on a united gateway credit card.

Like most credit card issuers, Chase doesn’t reveal in advance how much of a credit limit you’ll get with the United Gateway card. Upon approval, the issuer will let you know the credit limit you’ll be granted. Credit limits often depend on factors such as your credit history and the issuer’s assessment of your ability to repay what you charge to the card.

Do you get free baggage with the United Gateway℠ Card?

The United Gateway card does not come with a free checked baggage perk. If you want to check a bag, you’ll have to pay for it.

Which United card gives access to airport lounges?

The United Explorer card offers two United Club lounge passes per year, and the United Club Infinite Card offers the primary cardmember, and eligible travel companions, access to all United Club locations and participating Star Alliance affiliated lounges worldwide as a benefit of owning the card. 

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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60,000 Bonus Miles After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 60,000 bonus miles after you make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Offer subject to change.

500 Additional Premier Qualifying Points (PQP): The primary Cardmember will earn 500 Premier Qualifying Points (PQP) after you make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6-8 weeks for these PQP to post to your account. Promotional PQP will post directly to your United MileagePlus account and will not appear on your credit card statement. The promotional 500 PQP do not count toward the 6,000 calendar year maximum PQP Cardmembers can earn for net purchases. PQP will apply toward Premier status tiers up to and including Premier 1K ® . Qualification requirements for Premier status may vary by MileagePlus program year. To be eligible for this offer, account must be open and not in default at the time of fulfillment. Chase is not responsible for the provision of, or failure to provide, the PQP stated in this offer.

$125 Annual United Credit: A statement credit will automatically be applied to your account when your card is used for United purchases, up to an annual maximum accumulation of $125. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. Qualifying United purchases include airline tickets purchased from United and the following purchases made from United: seat upgrades; Economy Plus ® ; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. United Card Events from Chase purchases will also qualify. Other United related purchases, such as United Cruises ® , United MileagePlus X, DIRECTV ® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. Statement credit(s) will post to your account the same day your United purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. The Annual United Credit will be issued for the year in which the transaction posts to your account. For example, if you pay for Wi-Fi, but United does not post the transaction until after the current annual period ends, the cost of the Wi-Fi will be allocated towards the following year's Annual United Credit maximum of $125.

Anniversary Award Flight Credit: Two (2) 5,000-mile award flight credits for future application to your account after completing an eligible award flight, will be deposited into the primary Cardmember's MileagePlus Program account within 4 weeks after each Cardmember anniversary ("Anniversary" is the date that is twelve months after credit card account open date, and the same date each twelve months thereafter). Award flight credits have no mile value until applied. An award flight credit (one per reservation) will be automatically applied, and 5,000 miles will be added to the primary Cardmember's MileagePlus account, within 2 weeks after fully completing an eligible award flight. Award tickets booked that include at least one (1) United- or United Express-operated flight fully flown and completed and include the primary Cardmember on the reservation, qualify as an eligible award flight. Unused award flight credits may not be combined, transferred, extended beyond expiration date, or re-credited for miles. Each unused award flight credit will expire 12 months after date of issue. To qualify to receive the award flight credits, your account must be open and not in default on your account Anniversary. If your credit card account is closed at any time, United and Chase reserve the right to remove the unused award flight credits from your MileagePlus Program account. Flights purchased with Money + Miles do not qualify for a 5,000-mile award flight credit. Offer and award flight credit rules and regulations are subject to change. Chase is not responsible for offer fulfillment.

Earning Miles: Rewards Program Agreement: For more information about the United Quest SM Card rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window . How you can earn miles: You'll earn miles on purchases of products and services, minus returns or refunds, made with a United SM credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn miles: United purchases that qualify for the $125 Annual United Purchase Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 mile: You'll earn 1 mile for each $1 spent. 2 miles: You'll earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) in the following rewards categories: restaurants; select streaming services; travel (excluding United purchases that qualify for 3 miles as described). 3 miles: You'll earn 3 miles total for each $1 after the first $125 is spent annually (2 additional miles on top of the 1 mile per $1 earned on each purchase) on airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus ® ; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. You'll also earn 3 miles total for each $1 after the first $125 is spent annually on purchases of United Card Events from Chase. Other United related purchases, such as United Cruises ® , United MileagePlus X, DIRECTV ® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. Any purchases that qualify for the $125 Annual United Purchase Credit will not earn miles. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. Information about earning/transferring miles to United: Miles earned during a billing cycle will be automatically transferred to United after the end of each billing cycle. Losing miles: You'll immediately lose all miles that haven't been transferred to United if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Free Checked Bags: The primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first and second standard checked bags free; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive first and second standard checked bags free, the primary Cardmember must use their United Quest SM Card to purchase their ticket(s) (this purchase requirement is waived for flights completed during the 90 days following the account open date) and include their MileagePlus ® number in their reservation. First and second standard checked bags free is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive additional free standard checked bags. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for your first and second free standard checked bags to be available on eligible United reservations. Please visit united.com/ChaseBag for details.

Earn Premier Qualifying Points (PQP): The primary Cardmember will earn 25 Premier Qualifying Points (PQP) for every $500 in net purchases (including purchases made by authorized users) up to a maximum of 6,000 PQP in a calendar year. PQP will apply towards Premier status tiers up to and including Premier 1K ® . PQP earn rate, annual cap and qualification requirements for Premier status may vary by MileagePlus program year and MileagePlus Credit Card type. Please allow 6-8 weeks after qualifying purchases for PQP to post to your account. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please visit united.com/qualify for details.

Priority Boarding: The primary Cardmember and companions traveling on the same reservation are eligible for priority boarding; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive priority boarding, the primary Cardmember must include their MileagePlus ® number in their reservation. Priority boarding is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. United Quest SM Cardmembers can board the plane before general boarding, after MileagePlus Premier ® members, customers with Premier Access ® and travelers requiring special assistance. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for priority boarding to be available on your United reservation.

Global Entry or TSA PreCheck ® or NEXUS Application Fee Statement Credit: You will receive one statement credit (up to $100) every four years after the first program (either Global Entry or TSA PreCheck ® or NEXUS) application fee is charged to your United Quest SM Card, by you or an authorized user. This benefit applies only to the Global Entry, TSA PreCheck ® or NEXUS programs, other Trusted Traveler programs are not eligible. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. For more information about the Global Entry, TSA PreCheck ® and NEXUS programs, including application details and full terms and conditions, go to https://ttp.cbp.dhs.gov/ . Websites and other information provided by government agencies are not within Chase’s control and may not be available in Spanish. To receive statement credits, your account must be open and not in default at the time of fulfillment. Neither United Airlines nor MileagePlus is responsible for the provision of, or failure to provide, the stated benefits. TSA PreCheck ® trademark is used with the permission of the U.S. Department of Homeland Security.

25% back on food, beverage and Wi-Fi purchases on board United and United Express-operated flights and United Club premium drink purchases: You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and Wi-Fi subscription purchases, when you use your United Quest SM Card to make such purchases. You will also receive 25% back, in the form of a credit card account statement credit, on premium drink purchases at United Clubs. The statement credit will post to your account within 24 hours of your onboard purchase posting to your account. You will also receive 25% back on food, beverage and Wi-Fi purchases made on board, on Wi-Fi subscription purchases, and on premium drink purchases at United Clubs by authorized users who use your United Quest Card account to make such purchases. To qualify for the 25% back, account must be open and not in default at the time of fulfillment. To find a list of United Club locations, please visit United.com .

Upgrading Award Tickets: The primary Cardmember who has MileagePlus ® Premier ® status and is traveling on an award ticket AND one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability; authorized users are only eligible if they are on the same reservation as the primary Cardmember. Assignment of Complimentary Premier Upgrades on award tickets within each Premier level will be prioritized after the lowest paid fare class. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please visit united.com/upgrades for details on flights eligible for Complimentary Premier Upgrades and upgrade processing.

Award Availability, Pricing, and Fees: As long as tickets are still available for sale for the applicable cabin on any United-operated flight, MileagePlus members can use miles to book award travel on such flight. Award pricing is subject to change without notice. Awards on partner-operated flights and upgrade awards are subject to limitations and restrictions. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government imposed taxes and fees, September 11th Security Fee of $5.60 per one-way trip that does not include a government defined stopover, US Customs, Immigration and APHIS User Fees of $17.80 for each international arrival in the U.S.; and non-U.S. government ticket taxes, fees and airport charges may add up to $355 per ticket as of January 1, 2024. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Visit united.com/AirAwards for details.

Concierge Service: Cardmembers are responsible for the cost of any goods or services purchased through the Concierge.

Complimentary DashPass: When the membership is activated for the first time with a United Quest SM Card by 12/31/2024 you and your authorized user(s) will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After the complimentary DashPass membership period ends, you and any authorized users will continue to be enrolled and charged the then current monthly DashPass rate for each membership activated. You can cancel anytime on DoorDash or Caviar. Membership period for all users on this credit card account will begin and end based on when the first user activates the membership on DoorDash or Caviar, regardless of when subsequent memberships are activated. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your United Quest SM Card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 04/01/2022 . DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable . See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded. Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com or the Chase Mobile App. Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout. Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

United Visa Card Program Information

Individuals whose requests for this offer are not approved will not be enrolled in MileagePlus ® through this request, although existing MileagePlus members will remain enrolled in MileagePlus. Authorized users will not be enrolled in MileagePlus as a result of this request. MileagePlus miles awarded through the use of the authorized user's card will only be credited to the primary cardmember's account. Chase's sole obligation concerning the award and redemption of miles shall be to make a valid request to United to award miles to the Primary Cardmember's associated MileagePlus account. Chase disclaims liability or responsibility for United's failure to award or redeem miles to the Primary Cardmember's associated MileagePlus account after Chase has met its obligations to United in connection with such a request. If a primary Cardmember's membership in United's MileagePlus Program is terminated in accordance with the terms and conditions of that Program, the Cardmember will no longer be eligible to earn any MileagePlus miles for purchases using the United Card or access Cardmember benefits associated with the MileagePlus Program.

MileagePlus Program Terms and Conditions:

Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus ® program, including without limitation the Premier ® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United ® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines ® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com .

United credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Reader Question: How To Get Rental Car Liability Insurance

Reviewed by Ryan Smith

AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers .

Here at AwardWallet, we occasionally get questions from readers wondering how various credit card perks and benefits function. This time, a reader is wondering about using a credit card for rental car insurance . This reader is wondering how rental car liability insurance fits in with credit card rental car insurance benefits. They ask:

This is the problem I have been having: First, only your rental car is covered. If you are in an at-fault accident, then the other car (or any people you injure) will not be covered. My personal insurance doesn’t cover liability outside of North America. When we have rented cars, we couldn’t get liability only insurance through the rental companies. Would you please consider writing up a post for how people can find the liability coverage in situations like this so that we can actually use the credit card coverage?

Using Credit Card Rental Car Insurance

Many credit cards offer some sort of rental car insurance as a benefit. This is especially true of more premium or luxury cards, like the Chase Sapphire Reserve ® or Capital One Venture X Rewards Credit Card .

• 2 miles per dollar on all eligible purchases
• 5 miles per dollar on flights when booking via Capital One Travel
• 10 miles per dollar on hotels and rental cars when booking via Capital One Travel

• 10X points on Lyft rides through March 2025
• 10X points on hotels and car rentals purchased through Chase Travel℠
• 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
• 5X points on airfare purchased through Chase Travel℠
• 3X points on all other travel
• 3X points on dining at restaurants
• 1X points on all other purchases

If you plan on using your credit card as rental car insurance, there are a few things that you'll want to keep in mind:

• Is your credit card car rental insurance primary or secondary? Primary car rental insurance comes into play before your personal car insurance (or any other insurance), while secondary insurance only kicks in after all other insurances.
• What kind of coverage do you have? Collision Damage Waiver, Liability Coverage, and Supplemental Insurance are all different kinds of insurance coverage.
• What other insurances are in play? Your personal car rental insurance and any travel insurance policy you might have could factor into coverage for your rental car.

If you use your credit card's car rental insurance, make sure that you read and understand your credit card's benefit guide to know what will and won't be covered.

Rental Car Liability Insurance

One important thing to understand is that, as our reader pointed out, the car rental insurance coverage that comes with most credit cards does NOT include personal rental car liability insurance. That means while you might be covered for damage to the car itself, your credit card rental car insurance will likely NOT cover damage to other vehicles, property, or injuries to people. If you are using your card for rental car insurance, ensure you have a plan for rental car liability insurance. You don't want to be in a position where you are potentially on the hook for hundreds, thousands, or even millions of dollars if you cause an accident that injures people or destroys property.

Other Alternatives

Once you understand that you may not have rental car liability insurance when using your credit card's rental car insurance coverage, what should you do? Here are a few alternatives to consider when looking for rental car liability insurance:

• Your own personal car insurance: Our reader mentioned that their personal insurance doesn't provide coverage outside North America, but you may be traveling domestically. Alternatively, your insurance may cover you when traveling internationally; check the details.
• Travel insurance: You might consider a travel insurance policy. Allianz, Travelex, Nationwide, and other companies offer travel insurance that might provide liability insurance on rental cars.
• Purchase liability insurance from the rental agency: Even if you're using a credit card for the collision damage waiver (CDW) policy, you might be able to purchase only liability insurance from your car rental company.

The Bottom Line

While using your credit card for car rental insurance is often a convenient way to save money on rentals, it's important to understand what is and isn't covered as part of your cardholder benefits. Most credit card car rental insurance only covers you for damage to the car itself. That means it usually won't cover you for damage to other vehicles, property, or injuries to people. Before you leave the car rental agency, make sure that you have a plan for rental car liability insurance so you can drive with peace of mind.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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I have learned that getting an annual insurance policy is well worth if you do more than 1 trip per year. And it really is all inclusive for health, car rental, emergency and trip delays/interruption.