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Home » Chase Trip Delay Reimbursement: Your ticket to a hotel room if you’re delayed overnight

Chase Trip Delay Reimbursement: Your ticket to a hotel room if you’re delayed overnight

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Trip delay reimbursement can cover the cost of a hotel room and other reasonable expenses if your travel that you book using the card is delayed. Chase Trip Delay Reimbursement is included as a card benefit on several of the bank’s premium travel cards and can provide you with a hotel room if you are delayed overnight.

Here’s what you need to know about Chase Trip Delay Reimbursement coverage.

What is trip delay reimbursement?

Trip delay reimbursement is meant to reimburse you for additional expenses you incur when your travel is delayed by factors outside of your control. If an airline delay causes you to stay in another city overnight, trip delay protection can pay for your hotel room, meals, toiletries, and other necessary expenses.

You must charge your airfare (or other common carrier fare) to your eligible card to be covered. Trip delay reimbursement won’t cover things like prepaid hotel bookings, cruise bookings, or tour bookings that you miss out on because of your travel delay.

Chase trip delay reimbursement at a glance

Here’s an overview of the terms offered by Chase trip delay reimbursement coverage

What it coversReasonable expenses incurred during a trip delay, like meals, lodging, toiletries, and medication.
Maximum total coverage$500 per ticket purchased.
Coverage is per ticket purchased.
When it kicks inVaries by card
Chase Sapphire Preferred: 12 hours or an overnight stay
Chase Sapphire Reserve: 6 hours or an overnight stay.
Who is coveredCardholder and family members.
Cardholder and family members do not need to be traveling with you.
Chase trip delay coverage terms summary.

How to get trip delay reimbursement coverage with Chase

To get Chase trip delay reimbursement coverage, you must charge all or a portion of your “common carrier” fare, such as airfare or train tickets, to your eligible Chase credit card account. You are also covered when using the rewards associated with your account.

Since you can charge a portion of your fare, you can use airline frequent flyer programs, vouchers, gift cards, and other payment methods. As long as a portion of the fare is charged to your eligible Chase card, you should be covered.

More about Chase trip delay reimbursement coverage

Trip delay reimbursement policy terms differ by credit card. That means it’s important to understand the basics of your coverage when you are shopping for a credit card and before you book your trip. For full details, you should read your guide to benefits, but here are the essential terms to compare when shopping for trip delay protection.

What expenses Chase trip delay reimbursement protection covers

The trip delay reimbursement protection provided with certain Chase cards covers reasonable expenses incurred during a travel delay. These are the expenses that you would have if you were unexpectedly stranded in a city overnight. Here are some examples:

  • Meals
  • Lodging
  • Toiletries
  • Transportation
  • Medication

This list includes only examples and is not exhaustive. Reasonable expenses other than those above should be covered with Chase Trip Delay Protection. Coverage is limited to $500 per eligible traveler.

Which trip delays qualify

Trip delay protection protects you against delays caused by several reasons. And you can get coverage even in situations where an airline would normally refuse to provide you with a hotel room. Here are the situations covered by Chase trip delay protection:

  • Equipment failure
  • Inclement weather
  • Strike
  • Hijacking/skyjacking

Who Chase trip delay reimbursement protection covers

Chase offers coverage to you and your family members when you book your travel with an eligible card.

Family members include your spouse or domestic partner and legally dependent children under the age of 26. Family members do not need to be traveling with you to be protected by trip delay reimbursement.

Chase trip delay reimbursement coverage limitations

Unlike other issuers Chase trip delay reimbursement coverage does not have a limit on the number of claims or the total amount you can claim during the year. Chase trip delay reimbursement will reimburse up to $500 for each ticket that is affected by a covered hazard.

How does Chase trip delay insurance protection compare?

Here’s how Chase trip delay insurance protection compares to the trip delay insurance protections offered by several other popular card issuers:

Coverage AmountDelay RequiredCovered TravelersImportant limitations
American Express$300-$5006-12 hours or
Overnight
Cardmember.
Family members.
Traveling companions.
2 claims per card per 12 months.
Round-trip travel required.
Capital One$5006 hours or
Overnight
Cardmember.
Family members.
Chase$5006-12 hours or
Overnight
Cardmember.
Family members.
U.S. Bank$5006 hours or
Overnight
Cardmember.
Family members.
Trip delay insurance compared across card issuers

How to file a claim

You can file your Chase trip delay protection claim online. The website to file a claim is https://www.eclaimsline.com/. You can also file a claim by calling1-800-348-8472.

The website will ask for your card number and will lead you through the process of submitting your claim online. You’ll be required to provide details about your claim during the process. You may also be asked to upload receipts.

Once your claim is submitted, the benefit administrator will review your claim. You may be asked to provide additional information, so be sure to save all receipts and documentation until your claim is finalized. If the benefit administrator decides you have a valid claim, you will receive payment to reimburse your expenses.

Documents you’ll need for your claim

During your claim submission, you’ll need to provide the benefit administrator with evidence to substantiate your claim. Here are the documents you should expect to provide.

  • A copy of your monthly billing statement showing the travel charge. You can download this from the Chase.com portal.
  • A statement from the common carrier to verifying the reason for your flight delay.
  • Itemized receipts for claimed expenses. If the cost of any meal exceeds $50.00 per covered traveler, an itemized receipt is required.
  • Original travel itineraries and/or common carrier tickets showing the date and time of the original flights, as well as the total amount charged for the covered trip.
  • Updated travel itineraries and/or common carrier tickets showing the date and time of the rescheduled flights.

Chase cards with trip delay reimbursement protection

Not all Chase credit cards offer trip delay protection. Here are the Chase credit cards that offer the trip delay reimbursement. Here are the cards that offer this protection.

Chase Sapphire Reserve® Card

The Sapphire Reserve® Card has by far the best trip delay protection. The trip delay protection offered on the Chase Sapphire Reserve® kicks in after just a six hours delay. Most other cards require a 12 hour or overnight delay.

Trip delay protection on the Chase Sapphire Reserve®

  • When trip delay protection applies: 6 hour or overnight delay.
  • Coverage limit: $500 per ticket purchased. No annual limit.
  • Who is covered: You, your spouse or domestic partner, and your legally dependent children under age 26.

More about the Chase Sapphire Reserve® Card

Chase Sapphire Reserve® card art
Chase Sapphire Reserve®

The Chase Sapphire Reserve® Card is Chase’s flagship travel card offering increased rewards, transferable points, airport lounge access, an annual travel credit and a robust suite of travel insurance protections. The card has an annual fee of $550.

The card earns increased points on a variety of travel and other categories of spending. When you book hotels and car rentals through Chase, you’ll earn 10 points per dollar using the Sapphire Reserve. Flights booked through Chase earn five points per dollar. You’ll also earn three points per dollar on restaurants and on all other travel after the first $300 (which is automatically reimbursed thanks to the card’s annual travel credit.) Finally, the card earns one point per dollar on all other purchases.

The Sapphire Reserve is loaded with additional benefits. First, you’ll get an annual travel credit toward the first $300 of travel expenses you charge to the card. The card includes airport lounge access to Chase’s network of lounges. You’ll also get Priority Pass lounge access, including access to restaurant locations. When traveling, you’ll get one of the most comprehensive suites of travel insurance protections available on a credit card, including trip cancellation/interruption insurance, primary auto rental collision damage waiver insurance, lost luggage reimbursement, and trip delay reimbursement. Finally, holding the Sapphire Reserve card makes all of your Ultimate Rewards points even more valuable. You’ll be able to redeem them for 1.5 cents each toward travel through Chase Ultimate Rewards or transfer your points to airline and hotel partners.

card_name welcome bonus:

bonus_miles_full

Our take on the welcome bonus: It has been a long time since Chase offered a larger welcome bonus on the Chase Sapphire Reserve®. The last elevated bonus we know about ended in 2022. There’s probably little reason to wait on getting this card.

Click here to learn more and apply.

The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.

Chase Sapphire Reserve® card art

Chase Sapphire Reserve® at a glance:
Annual fee: $550
Rewards: 10x hotels and car rentals through Chase. 10x Chase Dining. 5x flights through Chase. 3x dining. 3x other travel. 1x other purchases.
Perks: $300 annual travel credit. Priority Pass + Chase lounge access. Redeem points at 1.5c/point for travel. Transfer partners.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a popular travel card from Chase and it offers decent trip delay protection. You can get coverage for up to $500 per ticket purchased with no annual limit.

Trip delay protection on the Chase Sapphire Preferred

  • When trip delay protection applies: 12 hour or overnight delay.
  • Coverage limit: $500 per ticket purchased. No annual limit.
  • Who is covered: You, your spouse or domestic partner, and your legally dependent children under age 26.

More about the Sapphire Preferred® Card

Chase Sapphire Preferred® Card card art
Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of Chase’s flagship rewards cards. It offers elevated rewards in useful categories like travel, online grocery, dining, and select streaming services and best-in-class travel insurance protections. The Chase Sapphire Preferred® carries an annual fee of $95.

The card offers rewards of three points per dollar in several categories, including online grocery, select streaming providers, and dining. When you purchase travel through Chase Ultimate Rewards, you’ll earn five points per dollar. All other travel earns two points per dollar. Finally, the card also offers increased rewards for Lyft rides (5x) and Peloton purchases.

The Sapphire Preferred features travel insurance benefits like primary rental car insurance, baggage delay insurance and trip delay reimbursement coverage, making it an excellent choice to use for booking travel. Most importantly, the card offers transfers to Chase’s useful suite of travel partners, plus 25% increased value for your rewards when you redeem them for travel through Chase Ultimate Rewards.

card_name welcome bonus:

bonus_miles_full

Click here to learn more and apply.

Our take on the welcome bonus: It’s been almost a year since we saw a larger welcome bonus on the Chase Sapphire Preferred®. The current bonus is the standard bonus available online. You might be able to get an offer for 10,000 points more by applying in-branch.

The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.

Chase Sapphire Preferred® Card card art

Chase Sapphire Preferred® Card at a glance:
Annual fee: $95
Rewards: 5x hotels and car rentals through Chase. 3x dining. 3x streaming. 3x online grocery. 2x other travel. 1x other purchases.
Benefits: Premium travel insurance benefits. 25% more value on travel redemptions. Point transfers.

Other Chase cards that offer trip delay reimbursement protection

Here are a few other Chase cards that offer trip delay insurance protection

  • Marriott Bonvoy Boundless® Credit Card.
  • United℠ Explorer Card.
  • United℠ Business Card.
  • United Club℠ Infinite Card.
  • World of Hyatt Credit Card.

Frequently asked questions

What kinds of things are not covered under trip delay protection?

If you know about the reason for the delay prior to the start of your trip, it may not be covered. Reimbursement for prepaid expenses that you forfeit because of your trip delay are not covered.

Do I have to book a ticket with my eligible credit card to get coverage?

Yes. Trip delay reimbursement insurance applies only when you book your ticket with your eligible credit card and, in many cases, the points you have accumulated with that card.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.