{"id":22598,"date":"2025-05-23T22:10:01","date_gmt":"2025-05-23T22:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=22598"},"modified":"2026-04-08T14:15:57","modified_gmt":"2026-04-08T14:15:57","slug":"chase-trip-delay-insurance","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/","title":{"rendered":"How to Use Chase Trip Delay Insurance to Get Reimbursed for Flight Delays"},"content":{"rendered":"<p>Flight delays are inevitable if you're a frequent traveler. Planes get held up by weather, mechanical, or personnel issues. But, provided you pay with the right card, you won\u2019t have to rough it in the terminal or pay for an expensive airport hotel room during a long delay. If you hold a Chase travel rewards card, you likely have access to some of the <a href=\"\/credit-cards\/trip-delay-insurance\/\">best trip delay protection<\/a> available.<\/p>\n<p>While Chase's Trip Delay coverage can take the financial sting out of unwanted delays, AwardWallet users often express confusion around the claims process. For example, who is covered? What delays and expenses will the coverage reimburse? And what do you need to do to submit a successful claim?<\/p>\n<p>In this post, we'll show you how to use the Trip Delay Reimbursement benefit offered by one of our favorite credit cards, the <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>. However, the process is similar for other Chase cards with this benefit, though reimbursement maximums and other specifics vary.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Delays_Are_Eligible_for_Chase_Trip_Delay_Coverage\">What Delays Are Eligible for Chase Trip Delay Coverage?<\/a><\/li><li><a href=\"#How_Long_of_a_Delay_is_Needed_for_Chase_Trip_Delay_Coverage\">How Long of a Delay is Needed for Chase Trip Delay Coverage?<\/a><\/li><li><a href=\"#Who_is_Covered_by_Trip_Delay_Reimbursement\">Who is Covered by Trip Delay Reimbursement?<\/a><\/li><li><a href=\"#What_Expenses_Does_Trip_Delay_Reimbursement_Cover\">What Expenses Does Trip Delay Reimbursement Cover?<\/a><\/li><li><a href=\"#What_to_do_if_Your_Flight_is_Delayed\">What to do if Your Flight is Delayed<\/a><\/li><li><a href=\"#How_to_File_a_Trip_Delay_Claim_With_Chase\">How to File a Trip Delay Claim With Chase<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Delays_Are_Eligible_for_Chase_Trip_Delay_Coverage\">What Delays Are Eligible for Chase Trip Delay Coverage?<\/span><\/h2>\n<p>Trip Delay Reimbursement differs slightly between cards. Generally, Chase requires just a portion of the travel cost to be charged to your card, meaning you can pay with points or miles, and you only need to <a href=\"\/credit-cards\/insurance-and-perks-on-award-travel\/\">cover the award fees & taxes<\/a> with the card to qualify for coverage.<\/p>\n<p>Chase Trip Delay Reimbursement benefit covers flight delays due to:<\/p>\n<ul>\n<li>Equipment failure<\/li>\n<li>Inclement weather<\/li>\n<li>Labor strikes<\/li>\n<li>Hijacking or skyjacking<\/li>\n<\/ul>\n<p>Your claim will be denied if you miss your flight due to sleeping in, traffic, or are given advanced notice of the delay.<\/p>\n<h2><span id=\"How_Long_of_a_Delay_is_Needed_for_Chase_Trip_Delay_Coverage\">How Long of a Delay is Needed for Chase Trip Delay Coverage?<\/span><\/h2>\n<p>The coverage on the <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> and<strong> The Ritz-Carlton\u2122 Credit Card<\/strong> kicks in after a 6-hour delay or any delay that requires an overnight stay, which is standard among high-end travel rewards cards. Meanwhile, coverage on the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>, <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a>, and other eligible Chase credit cards coverage starts after a 12-hour delay.<\/p>\n<p>If you\u2019re unsure what level of protection your card offers, check out our <a href=\"\/credit-cards\/guide-to-benefits-list\/\">master list of credit card guides to benefits<\/a>.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0ff8bae710c3f2fe771616324212775fd&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=006bc5708f3fa4d7ccbe8260ed27410c9&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=d190d7bb23a2e7c993713936a25f276d&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Who_is_Covered_by_Trip_Delay_Reimbursement\">Who is Covered by Trip Delay Reimbursement?<\/span><\/h2>\n<p>Chase Trip Delay Reimbursement covers you and your family members. A family member may include a spouse, domestic partner, children, grandchildren, parents, and other immediate family members.<\/p>\n<h2><span id=\"What_Expenses_Does_Trip_Delay_Reimbursement_Cover\">What Expenses Does Trip Delay Reimbursement Cover?<\/span><\/h2>\n<p>The <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> features Trip Delay coverage of up to $500 per covered traveler in associated costs. Some reasonable expenses include:<\/p>\n<ul>\n<li>Lodging<\/li>\n<li>Meals<\/li>\n<li>Toiletries<\/li>\n<li>Medication<\/li>\n<\/ul>\n<p>Trip Delay Reimbursement is secondary and kicks in <em>after<\/em> reimbursements are supplied by the airline or other insurers.<\/p>\n<h2><span id=\"What_to_do_if_Your_Flight_is_Delayed\">What to do if Your Flight is Delayed<\/span><\/h2>\n<p>First, record all the details and collect documentation to prove the delay was out of your control. The terms from Chase are somewhat vague, leaving the insurer wiggle room to deny your claim if you haven\u2019t supplied the correct paperwork.<\/p>\n<p>You\u2019ll need records of why you were delayed (weather, mechanical, etc.), the delay's length, whether it required an overnight stay, and a statement from the airline confirming all the details. It\u2019s best to obtain this from the customer service desk before leaving the airport, but with some airlines, you can request this information online or over the phone.<\/p>\n<p>Keeping itemized receipts for all expenses incurred due to the delay is also essential. These include the cost of accommodation, transport, and meals. You don't need to pay for these expenses with your Chase card.<\/p>\n<h2><span id=\"How_to_File_a_Trip_Delay_Claim_With_Chase\">How to File a Trip Delay Claim With Chase<\/span><\/h2>\n<p>To file a claim,\u00a0<span style=\"margin: 0px; padding: 0px;\">go to\u00a0<a target=\"_blank\" href=\"https:\/\/chasecardbenefits.com\/\" rel=\"noopener\">chasecardbenefits.com<\/a>\u00a0or call the Benefit Administrator at\u00a0<strong>1-800-350-1697<\/strong> within 60 days of the delay. The<\/span>\u00a0completed claim form and all requested documentation must be returned within 100 days of the trip delay.<\/p>\n<p>You'll need to include:<\/p>\n<ul>\n<li>Completed and signed claim form.<\/li>\n<li>An account statement showing the travel fare was charged to your eligible Chase card. If more than one payment method was used, include documentation showing a portion of the purchase was made with your Chase card.<\/li>\n<li>Copy of your itinerary.<\/li>\n<li>A statement from the common carrier that shows why the covered trip was delayed.<\/li>\n<li>Copies of itemized receipts for the claimed expenses.<\/li>\n<li>Any other documentation that's deemed necessary to substantiate the claim.<\/li>\n<\/ul>\n<p>While the process may seem like a hassle, you'll find the workload much less burdensome if you start recording everything from the moment the flight is delayed. And with up to $500 in expenses on the table for each covered traveler on your itinerary, the benefits can extend to thousands of dollars.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>We\u2019re huge fans of ancillary benefits here at AwardWallet, often rating the benefits received with rewards cards to be a significant contribution to the overall value of those cards. Swiping the right card when paying for flights can save you thousands of dollars by reimbursing you for costs incurred when you're delayed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Flight delays are inevitable when traveling by air. Planes get held up by weather, mechanical, or personnel issues, or you may get bumped due to the flight being overbooked. But, provided you pay with the right card, you won\u2019t have to rough it in the departures lounge or wear the outlay of an expensive airport hotel. If you hold a Chase travel card, it\u2019s likely you have access to some of the best Trip Delay protection available, provided you follow all the steps listed out below.<\/p>\n","protected":false},"author":4,"featured_media":6397,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12786,12785],"coauthors":[36390,36407],"class_list":["post-22598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-chase","tag-citibank"],"acf":[],"yoast_head":"<title>Chase Trip Delay Coverage: How to Get Reimbursed for Delays<\/title>\n<meta name=\"description\" content=\"Flight delays are inevitable when traveling by air. But, provided you pay with the right card, you won\u2019t have to rough it at the gate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Use Chase Trip Delay Insurance to Get Reimbursed for Flight Delays\" \/>\n<meta property=\"og:description\" content=\"Flight delays are inevitable when traveling by air. But, provided you pay with the right card, you won\u2019t have to rough it at the gate.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-23T22:10:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T14:15:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/Flight-Delay-Featured-e1530623894802.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jess Farley, Andrew Kunesh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jess Farley, Andrew Kunesh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/\"},\"author\":{\"name\":\"Jess Farley\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/9a70940e019da1754974a059ae2dced5\"},\"headline\":\"How to Use Chase Trip Delay Insurance to Get Reimbursed for Flight Delays\",\"datePublished\":\"2025-05-23T22:10:01+00:00\",\"dateModified\":\"2026-04-08T14:15:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/\"},\"wordCount\":865,\"commentCount\":36,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/Flight-Delay-Featured-e1530623894802.jpg\",\"keywords\":[\"Card Benefits\",\"Chase Bank\",\"Citibank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/\",\"name\":\"Chase Trip Delay Coverage: How to Get Reimbursed for Delays\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/chase-trip-delay-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/Flight-Delay-Featured-e1530623894802.jpg\",\"datePublished\":\"2025-05-23T22:10:01+00:00\",\"dateModified\":\"2026-04-08T14:15:57+00:00\",\"description\":\"Flight delays are inevitable when traveling by air. 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