Fifth Third 1 Cash Back Mastercard Card Insurance Benefits 2024

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Travel Insurance Card 1 Cash Back Mastercard Fifth Third

Before the trip
Benefit
Coverage
Recommendation
Trip Cancellation Insurance
$0
Not covered
$5,000
Not covered - Recommendation: $5,000

The trip cancellation insurance coverage is activated in the following situations occurring before your trip, provided it was fully paid with your card or points/miles:

  • You or your travel companion experience an accidental injury, death, or illness that prevents travel.
  • A change in military orders for you or your spouse.
  • Severe weather that makes it unsafe to start or continue a trip, including weather at the trip’s starting point or along the travel route before departure.
  • Significant property damage, such as water damage, burglary, fire, etc., occurring at your home.
  • A travel warning issued by the U.S. government near your home or destination.
    Trip cancellation insurance allows reimbursement of prepaid, non-refundable travel expenses paid with the card if you need to cancel your trip for covered reasons. Also known as travel cancellation insurance, it does not include event tickets, such as museum tickets or golf course bookings.

Example: Jessica had to cancel her trip to Europe because she fell seriously ill. Her doctor provided a certificate stating that she was unable to fly for her planned stay in the Balearic Islands. The costs of her flight and hotel were reimbursed by her Amex trip cancellation insurance.

During the trip
Benefit
Coverage
Recommendation
Baggage Delay Insurance
$0
Not covered
$1,000
Not covered - Recommendation: $1,000

The baggage delay insurance benefit offers reimbursement for the emergency purchase of essential items when your baggage is delayed for more than 6 hours. This coverage typically includes items such as toiletries, clothing, and chargers for electronic devices, though it limits you to one charger per device.

Example: Sarah, a marketing executive from Chicago, was flying to New York City for a client meeting when she discovered her checked luggage had been delayed. Thanks to the baggage delay insurance on her Chase Sapphire credit card, she was able to purchase essential items like a toothbrush, clothes, and a laptop charger, and get reimbursed later.

Baggage Loss Insurance
$0
Not covered
$1,000
Not covered - Recommendation: $1,000

Baggage loss insurance on a credit card covers the cost of replacing your belongings if your checked or carry-on luggage is lost, stolen, or damaged during travel. It reimburses you up to a certain amount based on the card's policy.

Example: Sarah, returning from Barcelona, discovered at the Philadelphia airport that her recently purchased suitcase had suffered significant damage to the shell and handle. She followed the procedure by submitting a claim to the appropriate airport service and kept proof of this action. The next day, she filed her insurance claim. Thanks to the baggage loss insurance visa card coverage, she was eligible for compensation from her insurer, in addition to what was offered by the airline.

Travel Accident Insurance
$0
Not covered
$1,000,000
Not covered - Recommendation: $1,000,000

This benefit offers protection and assistance in case of accidents occurring during trips booked with your card for the cardholder and their family (spouse, children, etc.). It covers medical expenses, emergency medical assistance, compensation in case of death or disability, reimbursement of interrupted travel expenses, help in case of lost documents, and baggage protection. Travel accident insurance applies when using public transportation (trains, buses, taxis, etc.) as well as with a rental car.

Example: Susan, from Chicago, was in a taxi on her way to O'Hare Airport when she was injured in an accident. Because she had used her Chase Sapphire Preferred card to pay for the ride, the travel accident insurance on her card fully covered her medical expenses and her return home.

Trip Delay Insurance
$0
Not covered
$1,000
Not covered - Recommendation: $1,000

The trip delay insurance coverage provides protection in the event of a delay of more than 0 hours in the arrival or departure of your scheduled flight with a commercial airline. Also known as trip delay reimbursement, it covers the following costs incurred due to the delay:

  • Meal expenses: meals and refreshments.
  • Accommodation: hotel expenses if necessary.
  • Transfer costs: including transfers to and from the airport or train station.
  • Ticket modifications: for connecting tickets affected by the delay.

Example: Mark's flight from Los Angeles to London was delayed by over six hours. Thanks to his Chase trip delay insurance, he was covered for his hotel stay, meals, and transportation in Los Angeles. The coverage was up to $500 per ticket purchased, ensuring he didn't have to pay out of pocket for the unexpected delay.

On site
Benefit
Coverage
Recommendation
Emergency Medical Insurance
$0
Not covered
$100,000
Not covered - Recommendation: $100,000

Emergency medical insurance on your credit card provides coverage for medical expenses if you become ill or injured while traveling. It covers doctor visits, hospital stays, and sometimes emergency evacuation.

Example: While visiting Canada, Sarah developed a severe allergic reaction. Her Chase Sapphire credit card's emergency medical insurance covered the cost of her treatment and hospital stay, ensuring she received the care she needed without worrying about the expenses.

Trip Interruption Insurance
$0
Not covered
$5,000
Not covered - Recommendation: $5,000

Trip interruption insurance protects you if your trip is unexpectedly cut short due to a covered reason, such as:

  • Serious illness, injury, or a family emergency
  • Non-refundable expenses like flights, hotels, tours, and additional costs to return home early

Example: Jessica, a software engineer from Seattle, was on vacation in Paris when she learned her father was seriously ill. She had to return to the U.S. immediately. Luckily, she had booked with her Chase Sapphire Reserve card, which included Chase trip interruption insurance. The insurance reimbursed her for unused hotel nights and her return flight, easing the financial burden.

Medical Evacuation Insurance
$0
Not covered
Actual costs
Not covered - Recommendation: Actual costs

Medical evacuation insurance, often referred to as emergency medical transportation, covers the cost of transporting you to the nearest appropriate medical facility if you suffer a serious illness or injury while traveling. The coverage may include transportation by ambulance, helicopter, or even airlift to ensure you receive necessary medical care, depending on the situation.

Example: While hiking in the Alps, Mark, from New York, broke his leg. Thanks to the medical evacuation insurance on his Chase Sapphire Reserve card, he was airlifted to the nearest hospital, with all transportation costs covered by the insurance.

Repatriation of Remains
$0
Not covered
Actual costs
Not covered - Recommendation: Actual costs

If you were to pass away while traveling abroad, your credit card’s repatriation of remains insurance coverage would cover the costs of preparing and transporting your remains back to your home country, relieving your family of the financial burden during a difficult time.

Example: David, a retired teacher from Boston, was on a trip to Italy when he unexpectedly passed away. Thankfully, his Chase Sapphire Reserve card’s repatriation of remains insurance covered the cost of bringing his remains back to the United States, easing the financial burden on his family.

Car Rental Insurance Card 1 Cash Back Mastercard Fifth Third

Rental car
Benefit
Coverage
Recommendation
Collision Damage Waiver
$0
Not covered
$50,000
Not covered - Recommendation: $50,000

A Collision Damage Waiver (CDW) on a credit card provides coverage for damage or theft of a rental car when you use your card to pay for the rental. It typically covers the cost of repairs or replacement of the vehicle, and sometimes associated costs like towing. Collision insurance on your card can save you from purchasing additional insurance from the rental company, but it usually excludes liability for injuries or damage to other vehicles or property.

Example: While renting a car in Los Angeles, Mike used his credit card, which included a Collision Damage Waiver. A few days into the rental, he accidentally scraped the side of the car. Thanks to the CDW on his credit card, the repair costs were fully covered, and he didn’t have to pay out of pocket or buy extra insurance from the rental company.

Car Rental Damage and Theft
$0
Not covered
$50,000
Not covered - Recommendation: $50,000

This credit card rental car insurance benefit protects your rental vehicle against theft and collisions for the first 31 days of your rental. However, it does not cover damage to the other driver's car, injuries to others, or damage to any other property.

Example: John, an IT consultant from San Francisco, rented a car in Denver for 10 days using his Capital One Venture X Rewards card. During his trip, the car was involved in a minor collision. Thankfully, the credit card’s rental car insurance covered the repair costs for the rental vehicle.

Content Insurance Card 1 Cash Back Mastercard Fifth Third

Content
Benefit
Coverage
Recommendation
Cell Phone Insurance
$0
Not covered
$1,000
Not covered - Recommendation: $1,000

This coverage protects your mobile device purchased with your card against all risks of accidental loss, accidental damage, or mechanical breakdown for two years from the date of purchase. Cell phone insurance covers the costs of repair or replacement of your mobile device.

Example: When Emma accidentally dropped her $800 smartphone and cracked the screen, her Amex cell phone protection coverage paid for the $200 repair, ensuring she didn’t have to cover the cost herself.

Purchase Protection
$0
Not covered
$1,000
Not covered - Recommendation: $1,000

Purchase protection insurance covers theft or accidental damage of items purchased entirely with your card or its loyalty points, for up to 0 days from the purchase date. It offers reimbursement in either cash or points for the damaged or stolen items. Please note, however, that cash, pets, plants, and jewelry are not covered under this policy.

Example: Jessica, a teacher from Seattle, purchased a new tablet using her Amex Platinum card. Unfortunately, a week later, it was accidentally damaged. Thanks to purchase protection insurance, Jessica was able to get reimbursed for the cost of the tablet.

Return Protection
$0
Not covered
$1,000
Not covered - Recommendation: $1,000

If you're unhappy with an item within 90 days of buying it and the store won't take it back, your card's return protection can help. You can get your money back, typically up to $500 per item, so you’re not stuck with something you don’t want. Return protection is also referred to as refund protection.

Example: Emily bought a designer jacket using her Amex credit card but later decided it wasn't the right fit. When the store refused to accept the return, she used her Amex return protection to get reimbursed for the full purchase price.

Extended Warranty
$0
Not covered
$50,000
Not covered - Recommendation: $50,000

The extended warranty benefit extends your original warranty by an additional year if the original warranty is less than 3 years. The coverage is limited to the item’s original purchase price (as shown on your credit card receipt), excluding shipping and handling fees, with a maximum limit of $1,000 per claim.

Example: Emily, a graphic designer from Austin, bought a laptop with her Chase Sapphire Preferred card. The laptop had a 2-year warranty, but the credit card extended warranty extended it to 3 years. When the laptop had issues in the third year, the extended warranty covered the repair costs.

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