What to know about Chase Ink Baggage Delay Insurance
Quick insights
- Baggage Delay Insurance may cover you if you need to purchase essential items due to your bags arriving late.
- Some Chase Ink business cards offer complimentary Baggage Delay Insurance as a cardmember benefit.
- Baggage Delay Insurance may be offered alongside other complimentary travel insurance benefits, including Trip Cancellation and Interruption Insurance, Lost Luggage Reimbursement and more.
If you travel for business, you don’t want to be left without essential items like clothing and toiletries. When your bag doesn’t show up on time, Baggage Delay Insurance may reimburse you for the items you need so that you can focus on your trip’s objective. This coverage may be offered as a cardmember benefit with some business credit cards.
Read on to find out how Baggage Delay Insurance can help you get the items you need when your luggage is late.
What is Baggage Delay Insurance?
Baggage Delay Insurance reimburses you for the purchase of essential personal items needed when your baggage is delayed for a specific period, usually six hours or more, during travel. Baggage delays by what’s called a “common carrier”—usually defined as any motorized land, water or air conveyance licensed for the transportation of passengers for hire—may be covered in many cases.
Among the many potential benefits of a business credit card, some cards come with complimentary Baggage Delay Insurance. You need to purchase the travel fare with the eligible card or rewards to receive the benefit.
What is covered and not covered with Chase Ink Baggage Delay Insurance
If you have a Chase Ink Business credit card, you may get Baggage Delay Insurance as a benefit. Chase Ink Business Preferred®, Chase Ink Business Premier®, Chase Ink Business Unlimited® and Chase Ink Business Cash® credit cards come with this benefit. This insurance reimburses you up to $100 per day for certain personal essential items when your bags are delayed by six hours or more, and it covers a maximum of five days. Keep in mind that some Chase Ink cards have an annual fee.
Clothing, toiletries and cell phone charging cables are typically considered essential items. You’re limited to one charging cable per claim.
The coverage doesn’t include these items:
- Hearing aids
- Artificial teeth
- Dental bridges
- Prosthetic devices
- Tickets
- Documents and valuable papers
- Money, securities and checks
- Business samples
- Jewelry and watches
- Electronic equipment
Consult your Guide to Benefits for exact details of this coverage, as well as the other travel and business purchase protections that come with your Chase Ink business credit card.
If you’re interested in Baggage Delay Insurance, as well as the ability to manage cash flow and build your business credit, consider exploring these business credit cards to find the right one for your business needs.
How to file a Chase Ink baggage delay claim
Follow these steps to file a claim:
- Visit chasecardbenefits.com within 20 days of the date of the loss or as soon as reasonably possible.
- You will be asked a few questions, and you will need to provide some documentation.
You may need to provide the following documentation:
- Copy of travel itinerary
- Credit card statement with payment reflected
- Written confirmation of the baggage delay from the common carrier
- Copy of settlement or denial from the common carrier
- Copies of itemized receipts for the essential items purchased
Other travel insurance benefits you may get as a Chase Ink cardmember
In addition to Baggage Delay Insurance, some Chase Ink credit cards come with other cardmember travel insurance benefits that could be helpful to your business.
- Trip Cancellation and Interruption Insurance: Reimburses you for eligible non-refundable travel expenses if your trip is canceled in advance or cut short.
- Travel Accident Insurance: Provides Accidental Death, Dismemberment and Loss of Speech, Sight, and Hearing insurance benefits.
- Lost Luggage Reimbursement: Reimburses you for your baggage and its contents when it is lost while in the possession of a travel carrier.
- Trip Delay Reimbursement: Covers you for certain expenses likes meals and lodging when your trip is delayed due to an eligible hazard such as inclement weather.
The travel insurance benefits vary across Chase Ink business credit cards, so review the cardmember benefits guide for exact details.
If you’re interested in these cardmember benefits but are new to business credit cards, you may find this article on how to get a business credit card helpful.
In summary
Baggage Delay Insurance may cover you for certain purchases when your bags are delayed. Some Chase Ink Business credit cards come with this and other travel insurance benefits, which are complimentary to cardmembers.
