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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.
Cards that offer Chase trip delay reimbursement
Here are the cards that offer Chase trip delay reimbursement.
| Card | Covered delay | Coverage limits |
|---|---|---|
 Chase Sapphire Preferred® Card Annual fee: $95 | More than 12 hours or overnight stay. | $500 per ticket. One claim per person, per covered trip. |
 Chase Sapphire Reserve® Annual fee: $550 | More than 6 hours or overnight stay. | $500 per ticket. One claim per person, per covered trip. |
 Aeroplan® Credit Card Annual fee: $95 | More than 12 hours or overnight stay. | $500 per ticket. One claim per person, per covered trip. |
   Marriott Bonvoy Bold® credit card Marriott Bonvoy Boundless® credit card Marriott Bonvoy Bountiful™ credit card Annual fees vary. | More than 12 hours or overnight stay. | $500 per ticket. One claim per person, per covered trip. |
     United℠ Explorer Card United Quest℠ Card United Club℠ Infinite Card United℠ Business Card United Club℠ Business Card Annual fees vary. | More than 12 hours or overnight stay. | $500 per ticket. One claim per person, per covered trip. |
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 reimbursement 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 covers | Reasonable 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 in | Varies by card Most cards: 12 hours or an overnight stay Chase Sapphire Reserve: 6 hours or an overnight stay. | |
| Who is covered | Cardholder and family members. Cardholder and family members do not need to be traveling with you. |
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. Chase trip delay reimbursement coverage is limited to a dollar amount per eligible traveler for tickets purchased using an eligible card. See your card’s guide to benefits for more details on what is covered and coverage limits
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 the limits in your card’s guide to benefits 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 Amount | Delay Required | Covered Travelers | Important limitations | |
|---|---|---|---|---|
| American Express | $300-$500 | 6-12 hours or Overnight | Cardmember. Family members. Traveling companions. | 2 claims per card per 12 months. Round-trip travel required. |
| Capital One | $500 | 6 hours or Overnight | Cardmember. Family members. | |
| Chase | $500 | 6-12 hours or Overnight | Cardmember. Family members. | |
| U.S. Bank | $500 | 6 hours or Overnight | Cardmember. Family members. |
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 calling 1-800-348-8472.
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 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.
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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 at a glance:
Annual fee: $95
Rewards: 5x hotels and car rentals through Chase Travel℠. 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.
More about the 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 Travel℠, 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 Travel℠.
You can learn more about the card in our overview of the Chase Sapphire Preferred® Card.
Chase Sapphire Reserve® Card
The Chase Sapphire Reserve® Card has by far the best trip delay protection available on a Chase card. 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.
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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® at a glance:
Annual fee: $550
Rewards: 10x hotels and car rentals through Chase. 10x Chase Dining. 5x flights through Chase Travel℠. 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.
More about the Chase Sapphire Reserve® Card
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 Travel℠, you’ll earn 10 points per dollar using the Sapphire Reserve. Flights booked through Chase Travel℠ 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 the Chase Sapphire Lounge by The Club. 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 Travel℠ or transfer your points to airline and hotel partners.
Aeroplan® Credit Card
The Aeroplan credit card can be a good choice if you fly Air Canada or are interested in collecting Aeroplan miles. The card offers the standard Chase trip delay protection, which can reimburse you up to $500 if you have a 12 hour or overnight delay.
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Click here to learn more and apply.
Our take on the welcome bonus: Aeroplan is one of the easiest-to-use Star Alliance programs and 60,000 points after $3,000 in purchases is a good deal for a card with a $95 annual fee.
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.
Aeroplan® Credit Card at a glance:
Annual fee: $95
Rewards: 3x grocery stores. 3x dining at restaurants including takeout and eligible delivery services. 3x Air Canada. 1x other purchases.
Benefits: Pay yourself back for travel purchases at 1.25 cent/point. Trip delay reimbursement. Baggage delay insurance.
Marriott Bonvoy credit cards
The Chase-branded Marriott Bonvoy credit cards available to new cardmembers all offer Chase trip delay protection. Probably the most interesting card in the lineup is the Marriott Bonvoy Bold® credit card. The card is the only card with no annual fee that is currently available to new cardmembers and that offers Chase trip delay protection.
Here are the Marriott Bonvoy cards that offer Chase trip delay protection:
- Marriott Bonvoy Bold® credit card
- Marriott Bonvoy Boundless® credit card
- Marriott Bonvoy Bountiful™ credit card
You can learn about the Marriott Bonvoy credit cards from our overview of Marriott cards. Chase and Marriott offer welcome bonuses on Marriott credit cards. For the best Marriott welcome bonuses, see our Marriott credit card welcome bonuses overview.
United premium credit cards
United offers six credit cards in partnership with Chase. All of the United credit cards that carry an annual fee also feature Chase trip delay protection. The $0 annual fee United Gateway℠ Card does not offer trip delay protection.
Here are the United Airlines credit cards that offer Chase trip delay reimbursement.
- United℠ Explorer Card
- United Quest℠ Card
- United Club℠ Infinite Card
- United℠ Business Card
- United Club℠ Business Card
For more on the United credit cards that offer trip delay protection visit our overview of United credit cards. If you’re planning on picking up a new United credit card, be sure to check out our United Airlines welcome bonus page for the details on the best welcome bonuses currently available.
Frequently asked questions
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.
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.