Does Chase travel insurance apply if I pay for my trip with Ultimate Rewards points?

Feb 2, 2022

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Editor’s note: This post has been updated with new information.

Travel is … unpredictable. It doesn’t take the chaos of a global pandemic to ruin your travel plans. In fact, if you have yet to experience a flight cancellation, extensive trip delay or lost or delayed baggage, you’re probably in the minority of travelers.

If you travel even once or twice per year, you should have a card that offers trip cancellation insurance benefits. But will a travel credit card — such as those issued by Chase — even cover your trip if you use rewards points to pay for your flight?

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That’s a great question — and one we’ve been asked many times in light of nearly two years of trip cancellations due to the pandemic.

Will you still receive credit card travel protections when booking travel with Chase points?

Delta Flight Delay Weather Rain Window
Inclement weather, mechanical failures and delayed inbound flights are just a few of the reasons you should care about credit card travel insurance. (Photo by Darren Murph/The Points Guy)

Cards that earn Chase Ultimate Rewards points (such as the Chase Sapphire Preferred Card and Chase Sapphire Reserve) feature some of the most comprehensive travel insurance policies of any credit cards. Depending on your specific card, you may enjoy coverage for trip delays, flight cancellations, baggage loss and car rental damage or theft.

In addition, the broad range of circumstances under which these policies kick in makes them simple to invoke. If you find your trip canceled or interrupted for a covered reason, you’ll be eligible for reimbursement through Chase if either of the following is true:

  • Some portion of the cost has been charged to your Chase credit card.
  • You used Ultimate Rewards to pay for all or part of your trip.

Chase is quite generous in this regard, as many other issuers require you to pay for the entire trip with your card in order to receive coverage, and/or they don’t extend coverage to travel booked using points.

Related: The ultimate guide to Chase pay with points

You’ll be reimbursed for the monetary value of the redemption (or 1 cent per point if the value doesn’t appear on your itinerary or confirmation). Coverage is capped at $10,000 per trip. Unfortunately, after a large number of airline bankruptcies over the last few years (even before the pandemic began), Chase changed the policy so that “financial insolvency of the … travel supplier” is no longer covered.

(Screenshot courtesy of Chase)

Chase does provide a few examples of what counts as a covered event. But if you’re not sure, you can always call the number on the back of your card and ask to speak to a benefits administrator.

(Screenshot courtesy of Chase)

In addition, these protections are not guarantees for reimbursement. You still need to follow the full process to file a claim, which includes submitting documentation to prove your eligibility.

For more details, check out our full guide to Chase’s trip cancellation coverage.

Bottom line

The best time to learn about your credit card’s travel insurance policies is before you actually have to use them. The good news for Chase cardholders is that your trip will be covered even if you pay with points, although you still need to submit complete documentation in order for your claim to be approved and processed.

Additional reporting by Chris Dong and Benét J. Wilson.

Featured photo by Zach Griff/The Points Guy. 

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points


CARD HIGHLIGHTS: 3X points on dining and 2x points on travel, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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