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 interruption/cancellation insurance, lost luggage 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 emergency purchases of essential items 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 define 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. Typically, 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 essential items when your bags are delayed by six hours or more, and it covers a maximum of five days.
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:
- Contact lenses
- Hearing aids
- Eyeglasses
- 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
The first step to filing a claim is to request a claim form from the Benefit Administrator. You can find this information in your Guide to Benefits or by calling the phone number on the back of your credit card.
You’ll need to return the completed claim form along with the following documentation:
- Copy of travel itinerary
- Written confirmation of baggage delay from travel carrier
- Copy of credit card statement with the fare
- Copy of settlement or denial from common carrier
- Receipts for purchased essential items
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/Interruption Insurance: Reimburses you for eligible non-refundable travel 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: 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.
