Several Chase credit cards offer reimbursement for food and hotels if your trip is delayed — here’s how to file a claim

delayed travel airport waiting

Many Chase credit cards offer trip delay insurance that can reimburse you for expenses like food and lodging as long as you charge your airfare to your card.
If your flight is delayed 12 hours (or 6 hours with select cards like the Chase Sapphire Reserve) or overnight, you could be eligible for up to $500 per passenger if you submit a claim.
This benefit saved my family more than $1,500 in 12 months alone.
Here’s how to submit a claim online via Chase’s partner Card Benefit Services.
See Business Insider’s list of the best travel rewards credit cards »

It’s never fun to have a delayed flight. Not only is camping out in front of your gate a less-than-pleasant way to pass the time, but you could end up spending extra money on food, drinks, and — if your flight is delayed overnight — a hotel stay.

If you book your travel with the right card, though, you can at least receive some money back for those unplanned expenses. Many Chase credit cards, in particular, offer trip delay reimbursement. I’ve used this benefit on my Chase Sapphire Reserve to recoup more than $1,500 in trip delay-related expenses over the course of a year.

Keep reading to learn how Chase’s trip delay reimbursement benefit works, and for the steps you’ll need to follow if you ever need to submit a claim.

Keep in mind that we’re focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It’s important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.

Chase cards with trip delay reimbursement

Trip delay reimbursement can help cover your expenses in the case of a lengthy delay when you book your ticket with an eligible Chase card or using Chase Ultimate Rewards points.

You’ll find this coverage on the following Chase cards:

Chase Sapphire Preferred Card ($95 annual fee)
Chase Sapphire Reserve ($550 annual fee)
Marriott Bonvoy Boundless Credit Card ($95 annual fee)
The World of Hyatt Credit Card ($95 annual fee)
United Explorer Card ($95 annual fee; waived the first year)
United Explorer Business Card ($95 annual fee)
United Club Card ($450 annual fee)

This coverage is also available on the following Chase cards that are no longer open to new applicants:

The Ritz-Carlton Card
United MileagePlus Presidential Plus
Chase Ink Business Plus
Chase Sapphire Card

With the Chase Sapphire Reserve and the Ritz-Carlton card, your coverage will kick in after a six-hour delay, while with all other cards offer coverage for delays of 12 hours or longer (or overnight).

How trip delay reimbursement …read more

Source:: Business Insider


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