How do I activate the Amazon Visa travel benefits?

Most Amazon Visa travel benefits activate automatically when you book and pay for travel using your card. For baggage delay and lost luggage coverage, the Common Carrier ticket must be purchased with the Amazon Visa. For rental car CDW, decline the rental agency's collision damage waiver at the counter and pay the full rental with the card. No pre-registration is required. Travel and Emergency Assistance services are available at 1-800-349-2634 in the US or collect at 001-214-503-2951 internationally, 24 hours a day.

Who is covered under my Amazon Visa card benefits?

Coverage extends to you as the primary cardholder and your family members, as defined in each benefit section. For baggage delay and lost luggage, covered travelers are you and your family members whose Common Carrier fare was charged to the card. For rental car CDW, coverage applies to you as the primary renter and any additional drivers listed on the rental agreement. For travel accident insurance, the covered traveler is you and your family members. The definition of family member varies by benefit — consult your Guide to Benefits for the specific definition that applies to each guarantee.

Is the Amazon Visa rental car coverage primary or secondary?

The Amazon Visa offers secondary CDW (collision damage waiver) in the United States and primary CDW outside the US. Secondary in the US means your personal auto insurance pays first, and the card covers remaining costs up to $60,000. Outside the US, you file directly with Virginia Surety Company at chasecardbenefits.com without involving your personal insurer. To activate coverage in both cases, decline the rental agency's CDW at the counter and pay the entire rental with your Amazon Visa. Coverage applies to rentals up to 31 consecutive days.

How do I file a claim with the Amazon Visa?

Claims are handled by Virginia Surety Company, Inc. (Assurant) at chasecardbenefits.com, or by calling 1-800-349-2634. Filing deadlines vary by benefit: rental CDW claims must be reported within 100 days of the incident, with documents submitted within 365 days. Baggage delay and lost luggage claims must be filed within 20 days, documents within 90 days. Purchase protection and extended warranty claims must be filed within 90 days of the loss or failure, documents within 120 days. Always report baggage issues to the airline and get written confirmation before leaving the airport — this is required for all baggage claims.

What does the Amazon Visa travel insurance NOT cover?

The Amazon Visa does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or emergency evacuation. If you cancel a non-refundable trip for any reason, the card provides no reimbursement. Medical emergencies abroad are entirely your financial responsibility: Travel and Emergency Assistance provides referrals only, not payment. The rental car CDW excludes exotic and luxury vehicles, motorcycles, cargo vans, and rentals over 31 days. Purchase protection explicitly excludes items that mysteriously disappear without evidence of theft or damage.

Do I need separate travel insurance if I have the Amazon Visa?

Yes, for most international trips or any trip with significant non-refundable costs. The Amazon Visa has no trip cancellation, no emergency medical, and no evacuation coverage. A medical emergency at a hospital abroad typically costs $10,000 to $80,000 out of pocket, and an air ambulance evacuation can exceed $200,000. The card's $3,000 baggage and travel accident coverage are useful but they do not replace a dedicated travel insurance policy for serious financial exposures. If you travel internationally or have non-refundable hotel and tour costs, consider supplementing this card with a standalone travel insurance plan.

Is cell phone protection included with the Amazon Visa?

No, the Amazon Visa does not include cell phone protection. Theft or accidental damage to your smartphone is not covered under any benefit in the Guide to Benefits. Screen repair typically costs $150 to $500, and full device replacement for a flagship phone runs $800 to $1,300. The card's extended warranty benefit covers manufacturer defects on eligible items within the warranty period, but it does not substitute for dedicated phone protection.

What vehicles are NOT covered by the Amazon Visa rental car benefit?

The Amazon Visa CDW excludes exotic and luxury vehicles, including Aston Martin, Bentley, Bugatti, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Pagani, and Rolls-Royce. It also excludes motorcycles, mopeds, motorbikes, limousines, trucks (other than pick-ups), cargo vans, recreational vehicles, and passenger vans seating more than 12 people including the driver. Vehicles with a MSRP over $125,000 or more than 20 years old are excluded. Rentals through peer-to-peer car sharing platforms and rental periods exceeding 31 consecutive days are also excluded.

Does the Amazon Visa charge foreign transaction fees?

No, the Amazon Visa has no foreign transaction fees. Every purchase made abroad is billed at the standard network exchange rate with no additional percentage added by Chase. This makes the card a practical choice for international spending, especially combined with its primary CDW coverage outside the US. Keep in mind that the card has no trip cancellation or emergency medical coverage, so carrying separate travel insurance is still advisable for international trips.

Does the Amazon Visa cover baggage delay expenses?

Yes. If your checked baggage is delayed or misdirected by the Common Carrier for more than 6 hours, the Amazon Visa reimburses essential purchases at $100 per day for up to 3 days, capped at $300 total. Covered purchases include toiletries, a change of clothes, and phone chargers. You must report the delay to the airline before leaving the airport and obtain written confirmation to remain eligible. File the claim at chasecardbenefits.com within 20 days of the delay and submit supporting documents within 90 days.

Amazon Visa benefits: what does the insurance coverage actually include?

Chase·$0/year·Visa Signature

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

1,4/5Travel Insurance gap.Independent review · verified June 2026

Travel Insurance

0,6

Car Rental

3,5

Protection

1,7

Our Verdict · Travel Insurance

Our take on travel insurance for the Chase Amazon Visa

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Baggage covered. No trip coverage. Here is what that gap means when a non-refundable itinerary falls apart. You are at the airport with a canceled flight and $4,000 in prepaid hotel nights ahead of you: amazon visa benefits do not include trip cancellation, and they never did. What the card covers: baggage delay at $100/day after six hours (up to $300 total), lost luggage up to $3,000 per traveler, and travel accident insurance up to $500,000 on a common carrier. Most cardholders assume these amazon visa perks extend to medical emergencies abroad. They do not. Travel and Emergency Assistance provides referrals only, and every dollar of any hospital bill is yours. Standalone travel insurance covers emergency medical from $100,000 per person for international trips. If your travel consists of domestic flights with minimal non-refundable costs, the baggage coverage is genuinely useful. If you are booking an international trip with prepaid hotels and tours, this card is not a travel insurance substitute.

What works on travel

$3,000 lost luggage per traveler: covers both checked bags and carry-on, secondary to airline reimbursement
$500,000 travel accident insurance on a common carrier: covers loss of life and dismemberment during covered trips
Baggage delay at $100/day after 6 hours: up to $300 in essential purchases reimbursed with receipts

Where travel breaks down

No trip cancellation: prepaid flights, hotels, and tours have no protection if you need to cancel
No emergency medical abroad: all hospital costs are the cardholder's responsibility — a foreign ER visit runs $10,000 to $80,000
No emergency evacuation: air ambulance from abroad can exceed $200,000 with zero coverage from this card
No trip delay benefit: meals, hotels, and transportation during a delay are entirely out of pocket
Baggage delay capped at $300 total: only 3 days at $100/day, which falls short of a multi-day disruption

Notre méthodologie

Chez HelloSafe, notre expert examine chaque année les contrats, les avis clients et les tarifs du marché. Analyse indépendante, sans influence commerciale sur les notes attribuées.

Travel Insurance · 11 guarantees

What does my Amazon Visa card's travel insurance cover?

Quality, not just caps

Guarantee

Status

Limit · Cap

Trip cancellation

Not covered

Medical fees abroad

Not covered

Medical repatriation

Not covered

Trip interruption

Not covered

Transport delay

Not covered

Missed connection

Not covered

Lost luggage / theft

Not covered

Baggage delay

Trigger: 6 hours · $100/day, max 3 days

$300

Covered

$300

Baggage delay must be reported to the Common Carrier before leaving the airport. Skipping this step is the most common reason claims are denied.

Baggage loss

$500 sub-cap: jewelry/electronics · PIR required at airport

$3,000

Covered

$3,000

Personal liability

Common carrier: $500,000 · 24-hour: $100,000

$500,000

Covered

$500,000

Hotel theft protection

Not covered

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Chase Amazon Visa wins, and where it loses

An 8-dimension snapshot compared to the Autograph Journey and the average premium travel card.

Compare

Amazon VisaThis card1.4/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Autograph Journey

Wells Fargo · $95/yr

Click a layer to highlight its scores on the radar.

Side-by-side comparison

Alternatives to the Chase Amazon Visa

HelloCard.sideBySide.subtitle

Card	This card Amazon Visa Chase · $0/yr 1.4/5?	Sapphire Reserve Chase · $795/yr 3.9/5?	Autograph Journey Wells Fargo · $95/yr 2.7/5?	Sapphire Reserve Business Chase · $795/yr 3.7/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$10,000 per person 13 covered reasons	$15,000 per traveler 7 covered reasons	$10,000 per person All prepaid travel
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$2,500 \| $50 deductible $50 deductible	N/A	$2,500 Reimbursement only
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	$100,000 \| pre-auth required Pre-authorization required	N/A	$100,000 Pre-authorization required
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	$500 after 6 hours Trigger: 6 hours	N/A	6h / $500 Trigger: 6 hours or overnight
Rental CDW Primary or secondary	Secondary / $60,000 Secondary CDW (primary outside US)	Primary / $75,000 Primary coverage	Primary abroad / $50,000 Primary international + US business	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/creditcards

January 2024

Primary CDW abroad worked as advertised

I used my Amazon Visa for a rental in Europe and the CDW was primary. Declined the rental company's insurance, filed online at chasecardbenefits.com when there was a minor scratch. Got reimbursed in about 3 weeks. The process was straightforward once I had all the documents.

r/personalfinance

March 2024

Purchase protection denied for missing item

Purchase protection declined because they said the item mysteriously disappeared without evidence of wrongdoing. $400 item gone, zero coverage. The exclusion for unexplained disappearance is brutal and not obvious when you sign up.

FlyerTalk

November 2023

Secondary CDW made the US claim a four-month ordeal

Filed a rental claim after a fender bender in California. Because CDW is secondary in the US, I had to go through my personal auto insurer first, wait for their determination, then submit to Chase. Took nearly 4 months total. Works, but painful.

US Assistance

1-800-349-2634

24/7

International Assistance

collect: 001-214-503-2951

Collect calls accepted · 24/7

Benefit administrator: Virginia Surety Company, Inc. (Assurant) for all benefits | chasecardbenefits.com

Claims & pre-authorizations

How to file an Amazon Visa claim

Step 1: Report immediately at the scene

For baggage claims, report the loss or delay to the airline before leaving the airport and get a written Property Irregularity Report. For rental car damage, document the damage, collect the repair demand letter, and keep the full rental agreement.

Step 2: File at chasecardbenefits.com

Visit chasecardbenefits.com or call 1-800-349-2634. Deadlines: rental CDW within 100 days of incident; baggage delay and lost luggage within 20 days; purchase protection and extended warranty within 90 days.

Step 3: Submit required documents

Required documents vary by benefit: card statement showing the charge, original itemized receipts, police or incident reports, airline property irregularity report, and rental agency demand letter. Documents must reach the administrator within: 365 days for rental, 90 days for baggage, 120 days for purchase protection.

Most Amazon Visa travel benefits activate automatically when you book and pay for travel using your card. For baggage delay and lost luggage coverage, the Common Carrier ticket must be purchased with the Amazon Visa. For rental car CDW, decline the rental agency's collision damage waiver at the counter and pay the full rental with the card. No pre-registration is required. Travel and Emergency Assistance services are available at 1-800-349-2634 in the US or collect at 001-214-503-2951 internationally, 24 hours a day.
Coverage extends to you as the primary cardholder and your family members, as defined in each benefit section. For baggage delay and lost luggage, covered travelers are you and your family members whose Common Carrier fare was charged to the card. For rental car CDW, coverage applies to you as the primary renter and any additional drivers listed on the rental agreement. For travel accident insurance, the covered traveler is you and your family members. The definition of family member varies by benefit — consult your Guide to Benefits for the specific definition that applies to each guarantee.
The Amazon Visa offers secondary CDW (collision damage waiver) in the United States and primary CDW outside the US. Secondary in the US means your personal auto insurance pays first, and the card covers remaining costs up to $60,000. Outside the US, you file directly with Virginia Surety Company at chasecardbenefits.com without involving your personal insurer. To activate coverage in both cases, decline the rental agency's CDW at the counter and pay the entire rental with your Amazon Visa. Coverage applies to rentals up to 31 consecutive days.
Claims are handled by Virginia Surety Company, Inc. (Assurant) at chasecardbenefits.com, or by calling 1-800-349-2634. Filing deadlines vary by benefit: rental CDW claims must be reported within 100 days of the incident, with documents submitted within 365 days. Baggage delay and lost luggage claims must be filed within 20 days, documents within 90 days. Purchase protection and extended warranty claims must be filed within 90 days of the loss or failure, documents within 120 days. Always report baggage issues to the airline and get written confirmation before leaving the airport — this is required for all baggage claims.
The Amazon Visa does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or emergency evacuation. If you cancel a non-refundable trip for any reason, the card provides no reimbursement. Medical emergencies abroad are entirely your financial responsibility: Travel and Emergency Assistance provides referrals only, not payment. The rental car CDW excludes exotic and luxury vehicles, motorcycles, cargo vans, and rentals over 31 days. Purchase protection explicitly excludes items that mysteriously disappear without evidence of theft or damage.
Yes, for most international trips or any trip with significant non-refundable costs. The Amazon Visa has no trip cancellation, no emergency medical, and no evacuation coverage. A medical emergency at a hospital abroad typically costs $10,000 to $80,000 out of pocket, and an air ambulance evacuation can exceed $200,000. The card's $3,000 baggage and travel accident coverage are useful but they do not replace a dedicated travel insurance policy for serious financial exposures. If you travel internationally or have non-refundable hotel and tour costs, consider supplementing this card with a standalone travel insurance plan.
No, the Amazon Visa does not include cell phone protection. Theft or accidental damage to your smartphone is not covered under any benefit in the Guide to Benefits. Screen repair typically costs $150 to $500, and full device replacement for a flagship phone runs $800 to $1,300. The card's extended warranty benefit covers manufacturer defects on eligible items within the warranty period, but it does not substitute for dedicated phone protection.
The Amazon Visa CDW excludes exotic and luxury vehicles, including Aston Martin, Bentley, Bugatti, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Pagani, and Rolls-Royce. It also excludes motorcycles, mopeds, motorbikes, limousines, trucks (other than pick-ups), cargo vans, recreational vehicles, and passenger vans seating more than 12 people including the driver. Vehicles with a MSRP over $125,000 or more than 20 years old are excluded. Rentals through peer-to-peer car sharing platforms and rental periods exceeding 31 consecutive days are also excluded.
No, the Amazon Visa has no foreign transaction fees. Every purchase made abroad is billed at the standard network exchange rate with no additional percentage added by Chase. This makes the card a practical choice for international spending, especially combined with its primary CDW coverage outside the US. Keep in mind that the card has no trip cancellation or emergency medical coverage, so carrying separate travel insurance is still advisable for international trips.
Yes. If your checked baggage is delayed or misdirected by the Common Carrier for more than 6 hours, the Amazon Visa reimburses essential purchases at $100 per day for up to 3 days, capped at $300 total. Covered purchases include toiletries, a change of clothes, and phone chargers. You must report the delay to the airline before leaving the airport and obtain written confirmation to remain eligible. File the claim at chasecardbenefits.com within 20 days of the delay and submit supporting documents within 90 days.