Chase Lost, Damaged & Delayed Luggage Guide
Part three of our four-part series on Chase's premium card insurance focuses on baggage. While I am generally a carry-on only type of guy, I do occasionally check my bags for a more hands-free experience on the plane. This Chase lost, damaged & delayed luggage guide outlines why you want to use your Chase premium cards when checking a bag. And, what to do if it gets lost, damaged, or stolen. Plus we have a handy dandy reference sheet you will have at the tips of your fingertips everywhere you go.
Knowledge is Power – And It's In Your Pocket
The purpose of this post is to give you several easy-to-read guides for premium Chase card- insurance. Optimized for viewing on a smartphone without scrolling and searching, you will find the answer to “does my card cover that?” quickly and painlessly. Refer to your card's guide to benefits for full details. Chase switched insurance providers from eclaimsline to Assurant in October 2024, so make sure you get the more current guide to benefits. Most coverage remain the same, but there are some minor changes. Bear in mind that these infographics are for quick reference, and Chase can change this insurance at any time.
Cards That Offer This Coverage
Here are the credit cards that we will be covering in this Chase premium card lost & delayed luggage insurance guide (also included in the savable image below):
- Sapphire Preferred
- Sapphire Reserve
- Ink Business Preferred
- Sapphire Reserve for Business
- Ink Business Premier
- Ritz-Carlton Visa
Make sure you pay attention to the timelines and how the amount cover differs depending on the delay timeline etc.
Chase Lost, Damaged & Delayed Luggage Guide: Save These Photos to Your Phone!
Here's an iPhone trick I didn't know until recently. When you open up your photos, you can search for words that appear in your pictures. In this case, when you save these guides, you can open your photos app, tap the search button at the top, type in “Insurance,” and voila – your guides are right there at your fingertips. No googling or scouring articles and forums for the relevant information. We did all the work for you!
Chase Baggage Delay Benefit
I know some people secretly hope their baggage is delayed so they can take advantage of a free shopping spree. I pack a day or two of clothes in my carry-on in case my checked bag is delayed. If that does happen, I will start that 6-hour timer and hit the stores if my luggage doesn't arrive on time!
Chase Lost / Damaged Luggage Reimbursement
Are you missing a wheel, handle, or lose your bag altogether after checking your bag? Your Chase premium card has you covered. Whether you hold a Sapphire Preferred, Sapphire Reserve, Sapphire Reserve for Business, Ink Preferred, or a Ritz-Carlton card, this benefit is the same across the board. Keep in mind, this coverage is secondary to what the airline offers you. For example, if the airline damages your bag beyond repair, and they offer you a new bag for free, you won't be eligible to submit a claim with Chase. I recommend keeping valuable items with you instead of a checked bag. If you do check a bag with valuables, it's a good idea to take pictures before you head to the airport.
Premium Card Lost, Damaged & Delayed Luggage Insurance: ToP Thoughts
There is a LOT to unpack when reading through the 40-page guide to benefits on your Chase cards. The vast majority of people in the points and miles game have at least one premium Sapphire or Ink card, and Chase offers best-in-class protections for credit card holders. I sincerely hope these infographics help sift through the fine print and help you save the day when travel plans go sideways. Have you made a claim with Chase for lost, damaged or delayed luggage? Share your successes or fails in the ToP Facebook group!
Other Guides In This Series
Here is a list of all of the guides in this series:
- Trip delay & cancellation insurance guide
- Car rental insurance guide
- Lost & damaged luggage guide (this guide)
- Travel accident & emergency evacuation insurance (coming soon)
