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Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
also contributed to this story
June 6, 2026 • 13 min read
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Quick summary
Many premium travel cards provide trip delay reimbursement and trip cancellation/interruption insurance, covering nonrefundable expenses for qualifying disruptions.
Trip delay reimbursement typically covers reasonable out-of-pocket costs like meals and lodging during long delays, while cancellation/interruption insurance applies to events such as illness, severe weather or legal obligations.
Coverage varies by card, with some offering both protections and others only one; details are outlined in each card's guide to benefits.
Filing a claim requires specific documentation, including receipts, proof of payment, and verification from the travel provider.
What to consider
Covered reasons for cancellation/interruption include medical emergencies, severe weather, strikes and certain legal obligations, but exclusions apply such as preexisting conditions and voluntary changes.
Trip delay reimbursement generally applies after a delay of more than six hours or an overnight stay, and only covers expenses not reimbursed by the carrier.
Claims must typically be filed within 90 days, and supporting documents like carrier statements and original itineraries are required.
What you'll miss from the article
A detailed walkthrough of required documents and step-by-step instructions for successfully filing a travel insurance claim.
Generated by AI with support from our editorial team.
Chase credit cards are often top of mind when travelers book trips, largely due to their travel protections. Many of Chase's premium credit cards offer a full suite of travel protections, including trip delay reimbursement and trip cancellation/interruption insurance.
Trip delay reimbursement covers reasonable out-of-pocket expenses during long flight delays. Meanwhile, trip cancellation/interruption insurance reimburses eligible nonrefundable travel expenses when a trip is canceled or cut short for a covered reason, such as illness, jury duty or a named storm warning.
This guide explains which Chase credit cards offer these benefits, what is currently covered and how to file a successful insurance claim.
Chase cards offering trip delay and trip cancellation/interruption insurance
Here is an overview of the Chase cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both:
What is covered by trip cancellation/interruption insurance?
Chase trip cancellation/interruption insurance can reimburse eligible nonrefundable travel expenses when a trip is canceled or cut short due to certain qualifying events, such as illness, severe weather, travel disruptions or legal obligations.
The full terms and conditions for what is covered on your specific card are outlined in your guide to benefits, which is available in your Chase account online.
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For example, the Chase Sapphire Reserve's guide to benefits includes the following covered reasons and exclusions.
Covered reasons
Medical events
Accidental bodily injury, loss of life or sickness experienced by you or a traveling companion that prevents you or a travel companion from traveling on the trip
Accidental bodily injury, loss of life or sickness experienced by an immediate family member of you or your traveling companion when it’s considered life-threatening, requires hospitalization or requires care by you or your traveling companion, verified by a physician
Quarantine of you or your traveling companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons
Weather and travel disruptions
Severe weather that prevents a “reasonable and prudent person” from beginning or continuing a trip (terms about what constitutes qualifying severe weather can be found in your guide to benefits)
Named storm warning
Your or your traveling companion’s place of permanent residence being made uninhabitable, being burglarized or damaged by fire or flood
Your or your traveling companion’s lodging accommodations at the destination of the trip are made uninhabitable
Death or hospitalization of your or your traveling companion’s host at the destination
An organized strike affecting public transportation, causing you or your traveling companion to either miss 20% or more of your scheduled trip or miss the departure of a prepaid cruise or scheduled tour (booked through a tour operator)
Terrorism (there are exceptions here; exact terms on what types of terrorist incidents are covered for trip cancellation and interruption insurance are listed in your guide to benefits)
Government and legal obligations
Change in military orders for you or your spouse
Jury duty or a court subpoena, neither of which can be waived
Exclusions
Chase does provide an extensive list of things that are not covered by trip cancellation/interruption insurance as well:
Travel and personal decisions
Change in plans, financial circumstances and/or business obligations for you or your traveling companion or their immediate family members
Disinclination to travel due to civil unrest
Medical exclusions
Preexisting conditions
Any medical travel
Any loss due to the voluntary surrender of unused vouchers, tickets, credits, coupons or travel privileges available prior to their expiration date
Travel arrangements scheduled to take place after the 26th week of pregnancy, or when a multiple pregnancy (such as twins or triplets) occurs prior to the initial deposit date or booking date of the trip, or pregnancy associated with an assisted reproductive program (such as in vitro fertilization)
Any loss for a trip booked while on a waiting list for a specified medical treatment
Documentation and legal issues
Failure of you or your travel companion to obtain necessary visas, passports or requisite travel documents
Illegal activity
Supplier and geopolitical exclusions
A country closing its borders or disinclination to travel due to an epidemic or pandemic
Financial insolvency of a common carrier, travel agency, tour operator or travel supplier
War (not including eligible acts of terrorism)
Other exclusions
Suicide, attempted suicide or intentional self-inflicted injury
Drug use at the time of the loss (except if the drug is taken and used as prescribed by a physician)
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The card covers nonrefundable prepaid travel expenses charged directly by a travel supplier, which is defined as a "Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers" by Chase.
The terms also note that mileage redeposit fees are covered if you need to cancel an award ticket.
That said, coverage does not include event tickets or other prepaid fees for theme parks, museums, golf courses or other points of interest unless they're booked as part of a travel package.
What is covered by trip delay insurance?
Trip delay insurance reimburses expenses incurred when your trip is delayed by more than six hours or requires an overnight stay. It does not include costs covered by the airline or other common carrier responsible for the delay — for example, if Alaska Airlines pays for a hotel during an overnight delay, you cannot claim it.
You and your family members are covered when you put at least part of a trip on your eligible Chase card.
Covered expenses include meals, lodging, toiletries and medication, but do not include prepaid trip-related expenses, such as tour or activity fees. In the past, TPG team members have had hotels, taxi fares, rental cars (to use to get to their hotel) and other essentials covered.
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Chase defines covered hazards as equipment failure, inclement weather, strikes and hijacking/skyjacking. The guide to benefits specifically exempts any delay due to a covered hazard that was made public or made known to you before your departure.
Filing a claim
When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim through Chase’s online claims center.
Trip delay reimbursement requires the following documentation:
Expense receipts: Keep itemized receipts from all of the expenses incurred due to the delay.
Fare receipt: You’ll need a receipt showing that you purchased at least some of the common carrier fare with your card. This can generally include award taxes and fees.
Multiple payment methods: If you used more than one payment method for your fare, you must provide documentation outlining any additional currency, vouchers, points or other payment methods used. For example, if you used points to pay for your flight and just used your card for taxes and fees, you’d need to show documentation to that effect.
Common carrier statement: This is proof of the trip delay and the reason for the delay.
Original itinerary: You’ll have to submit a copy of your original ticket.
Covered card account statement: Must show the last four digits of the account number, demonstrating that the payment for the common carrier fare was made on your covered card and/or with redeemable rewards.
Settlement from the carrier: You are required to file a claim with the common carrier before submitting a claim with Chase. You’ll need a copy of the settlement from the carrier, your insurance (if applicable) and any other reimbursement you’ll receive from another party.
CHARLESTON INTERNATIONAL AIRPORT
Trip cancellation/interruption insurance requires slightly different documentation:
Original itinerary:You must submit a copy of your original travel itinerary, including any prepaid activities you are including in your claim.
Confirmation of cancellation/interruption:You must provide documentation explaining the cancellation/interruption, such as an official doctor’s note, death certificate, official military orders or other supporting documentation.
Carrier cancellation/refund policy: You must submit a copy of the cancellation or refund policy of the common carrier, tour operator or travel supplier.
Expense receipts: Keep the receipts of expenses incurred due to your trip interruption.
Monthly billing statement:You are required to submit a monthly billing statement showing the last four digits of the account number as proof of prepaid travel rather than a fare receipt.
Any unused vouchers, tickets or coupons: You can add these expenses to your claim, but you’ll need to be able to provide proof of purchase.
When you fill out the claims form online, you will be asked to upload these documents. You can scan paper receipts (or submit clear photos) as needed. Typically, you have up to 90 days to file a claim after a delay or cancellation.
Proof of flight delay or cancellation
One of the documents required to file for trip delay reimbursement is a verification form that outlines the carrier's reason for the delay or cancellation. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Major U.S. airlines also have a process for requesting this information after the fact.
Keep in mind that if you did not book your reservation directly with the airline, you’ll have to go through a third-party travel booking agency for a receipt. This includes online travel agencies (like Expedia or Orbitz) and credit card travel portals.
Here is an overview of the process different U.S. airlines require for you to receive a delay or cancellation verification form:
Airline
Verification form process
American Airlines
Fill out a contact form on the American website. In the “Topic” drop-down menu, select “Trip insurance verification” then “Verify flight cancel/delay.” You’ll need your flight date and personal information so that the system can look up the records.
Delta Air Lines
Delta has a Delay/Cancellation Verification form. If you use the search bar on the Delta homepage and type in “verification,” it should be the first option that pops up. You’ll need your ticket number, flight dates and personal information such as your frequent flyer number.
United Airlines
Complete United's customer care form by selecting "Submit a request" on behalf of yourself, then "I have a question" and "Related to Flight disruption verification." You will need information about your flight, including the confirmation number and your personal information.
JetBlue
You can request a receipt for any flight taken in the past 13 months on the JetBlue website.
Southwest Airlines
For proof of delay or cancellation, submit an online request through the contact page or call customer relations at 855-234-4654.
Having a card with travel insurance benefits can save you hundreds of dollars when unexpected hiccups occur in your travel plans. Still, it can be confusing to know what exactly is covered and what documentation you need to file a claim.
Nothing is worse than getting through an entire claims process only to be denied or having to start over because you don’t have the required documentation for the insurance provider. Before you file a claim, make sure you have all the documents listed above.
Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case.
Refer to your card's guide to benefits for the latest information, as benefit terms may change at any time.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
