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Traveling can be a wonderful experience, but it can also be stressful when things don’t go according to plan. That’s where travel insurance comes in. If you’re a frequent traveler, you might want to consider getting a credit card that offers travel insurance benefits like the Chase Ink Preferred. In this article, we’ll take a closer look at what Chase Ink Preferred travel insurance covers and how it can help protect you during your travels.
What is Chase Ink Preferred?
Chase Ink Preferred is a credit card designed for small business owners. It offers a range of benefits, including travel insurance, cash back rewards, and more. The card comes with a generous sign-up bonus and offers bonus points on purchases in certain categories like travel, advertising, and shipping. But one of the most valuable benefits of the Chase Ink Preferred is its travel insurance coverage.
What Does Chase Ink Preferred Travel Insurance Include?
The Chase Ink Preferred travel insurance benefit includes coverage for:
| Trip Cancellation | If your trip is canceled due to a covered reason, you can be reimbursed up to $5,000 per trip for prepaid expenses like airfare and hotel bookings. |
| Trip Interruption | If your trip is interrupted due to a covered reason, you can be reimbursed up to $5,000 per trip for unused, prepaid expenses like airfare and hotel bookings. |
| Travel Accident Insurance | If you or a family member are injured or killed while traveling, you can be covered up to $500,000 in accidental death or dismemberment benefits. |
| Lost Luggage Reimbursement | If your luggage is lost or stolen, you can be reimbursed up to $3,000 per passenger for the value of your belongings. |
| Delayed Luggage Reimbursement | If your luggage is delayed for more than 6 hours, you can be reimbursed up to $100 per day for essential purchases like toiletries and clothing. |
| Auto Rental Collision Damage Waiver | If you rent a car with your Chase Ink Preferred card, you can decline the collision damage waiver offered by the rental company and still be covered for damage or theft. |
How to Qualify for Chase Ink Preferred Travel Insurance
To qualify for Chase Ink Preferred travel insurance, you must use your card to pay for your trip or a portion of it. Coverage is available for trips up to 60 days in length and is valid for you, your spouse or domestic partner, and any dependents under the age of 22.
How to File a Claim with Chase Ink Preferred Travel Insurance
If you need to file a claim with Chase Ink Preferred travel insurance, you can do so by calling the number on the back of your card. You will need to provide documentation of your expenses and the reason for your claim, so it’s important to keep all receipts and other relevant documents. The claims process can take several weeks, so it’s important to file your claim as soon as possible.
Is Chase Ink Preferred Travel Insurance Worth It?
If you’re a frequent traveler, the Chase Ink Preferred travel insurance benefit can be a valuable perk that helps protect you and your finances during your trips. However, it’s important to weigh the cost of the annual fee ($95) against the potential benefits of the card. You should also make sure to read the fine print of the travel insurance policy to fully understand what is and isn’t covered.
Conclusion
Chase Ink Preferred travel insurance is a great benefit for frequent travelers who want to protect themselves and their finances during their trips. The coverage includes trip cancellation and interruption, travel accident insurance, lost and delayed luggage reimbursement, and more. To qualify for the benefit, you must use your Chase Ink Preferred card to pay for your trip or a portion of it. If you need to file a claim, be sure to keep all relevant documentation and file your claim as soon as possible. With its valuable travel insurance benefit and other perks, the Chase Ink Preferred card can be a great option for small business owners and frequent travelers.
Frequently Asked Questions
Does Chase Ink Preferred travel insurance cover medical expenses?
No, Chase Ink Preferred travel insurance does not cover medical expenses. You may want to consider purchasing separate travel medical insurance if you’re concerned about medical costs during your trip.
What is the maximum trip length covered by Chase Ink Preferred travel insurance?
Chase Ink Preferred travel insurance covers trips up to 60 days in length.
Do I need to purchase my entire trip with my Chase Ink Preferred card to qualify for travel insurance coverage?
No, you only need to use your Chase Ink Preferred card to pay for a portion of your trip to qualify for travel insurance coverage.
Does Chase Ink Preferred travel insurance cover pre-existing conditions?
No, Chase Ink Preferred travel insurance does not cover pre-existing conditions. If you have a pre-existing condition, you may want to consider purchasing separate travel insurance that includes coverage for pre-existing conditions.
What documents do I need to file a claim with Chase Ink Preferred travel insurance?
You will need to provide documentation of your expenses and the reason for your claim, so it’s important to keep all receipts and other relevant documents. You can file a claim by calling the number on the back of your card.