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

Feb. 02, 2022
4 min read
View of a plane wing and engine above a cloudy blue sky mid-flight
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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?

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 image by (Photo by Zach Griff/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

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    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

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  • Receive 15 elite night credits to jump-start status
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  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees