No trip cancellation coverage. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
Disney Premier Visa benefits: which travel and purchase protections actually hold up?
Chase·$49/year·Visa Signature·Virginia Surety Company (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,4/5Independent review · verified June 2026
0,6
3,4
1,7
Our Verdict · Travel Insurance
Our opinion on Chase Disney Premier Visa Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Secondary CDW. No travel cover. This card protects your rental and your checked bags. It stops there. The disney premier visa perks people talk about are Disney park discounts and streaming rewards, not emergency insurance. At the rental counter, you can decline the agency's CDW, charge the full rental to this card, and drive off covered up to $60,000 (secondary in the US, primary outside). That part works. The rest of the travel insurance picture is a gap list. No trip cancellation, no emergency medical, no evacuation. Most cardholders assume the $49 annual fee buys a travel safety net. It buys a rewards card with decent car rental and luggage benefits. For any international trip where medical costs are a real risk, this card is not enough on its own.
What works on travel
- $500,000 Travel Accident Insurance on Common Carrier trips: death and dismemberment benefit for cardholder and family members
- $3,000 per traveler for lost, stolen, or damaged luggage: covers both checked and carry-on bags
- Baggage delay reimburses $100/day for 3 days when bags arrive more than 6 hours late
- Secondary CDW covers rental car damage up to $60,000: primary coverage when renting outside the US
Where travel breaks down
- No trip cancellation: every non-refundable flight, hotel, and tour booking is entirely at risk
- No emergency medical abroad: Travel and Emergency Assistance provides referrals only, all hospital costs are the cardholder's responsibility
- No trip delay coverage: hotel, meals, and ground transport during a weather delay are fully out of pocket
- $500 sub-cap on cameras and electronics inside the $3,000 luggage benefit: a $1,200 laptop recovers only $500
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
What does Chase Disney Premier Visa Travel Insurance actually cover?
Quality, not just caps
No trip cancellation exists in this card's Guide to Benefits. Every non-refundable booking is at full risk. A $2,000 Disney vacation package canceled for illness means $2,000 out of pocket.
What's not covered
- This benefit is not provided under this Guide to Benefits
No emergency medical insurance exists in this card's Guide to Benefits. Every dollar of any hospital bill abroad is yours. A serious ER visit in Italy or Japan runs $20K to $80K.
No emergency medical coverage abroad. Travel and Emergency Assistance provides referrals only. All medical costs abroad are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.
What's not covered
- This benefit is not provided under this Guide to Benefits
Emergency Transportation Assistance arranges logistics only. All costs are 100% the cardholder's responsibility. An air ambulance evacuation can exceed $200,000.
No emergency evacuation coverage. Travel and Emergency Assistance can arrange emergency transportation but all costs are entirely the cardholder's responsibility. Emergency transportation costs are entirely the cardholder's responsibility. A transoceanic air ambulance from Southeast Asia runs $200,000 to $300,000.
What's not covered
- This benefit is not provided under this Guide to Benefits
No trip interruption coverage. This benefit is not included with this card. Costs from a trip cut short, return flights, unused hotels, are out of pocket.
What's not covered
- This benefit is not provided under this Guide to Benefits
No trip delay benefit. If your flight to Orlando is stuck on the tarmac for 8 hours and the airline provides nothing, every hotel night and meal is yours to pay.
No trip delay reimbursement. This benefit is not included with this card. Meals, lodging, and transportation during a delay are the cardholder's responsibility.
What's not covered
- This benefit is not provided under this Guide to Benefits
No missed connection coverage. If a delayed inbound flight causes you to miss a connection, rebooking costs and expenses are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- This benefit is not provided under this Guide to Benefits
No early return benefit. Additional transportation costs from cutting a trip short are not reimbursed. A last-minute one-way flight home can cost $800 to $2,000.
What's not covered
- This benefit is not provided under this Guide to Benefits
Checked baggage must be delayed or misdirected by the Common Carrier for more than 6 hours from arrival at destination Charge all or a portion of the Common Carrier fare to the Covered Card and/or use redeemable Rewards Report baggage delay to the Common Carrier before leaving the airport or station and keep a copy of any report provided File within 20 days of the delay; submit documents within 90 days
Covers essential purchases when checked baggage is delayed or misdirected more than 6 hours from the time the Covered Traveler arrives at their destination. Reimbursement is $100 per day for up to 3 days, capped at $300 per trip. Covered items include toiletries, a change of clothes, and chargers for electronic devices (one per device). Coverage is secondary.
What's covered
- Toiletries
- Change of clothes
- Chargers for electronic devices (limit one per device)
What's not covered
- Hearing aids
- Artificial teeth, dental bridges, or prosthetic devices
- Tickets, documents, money, securities, checks, travelers checks, valuable papers, business samples
- Jewelry and watches
- Cameras, video recorders, and other electronic equipment
- Recreational equipment
Sub-limit of $500 for cameras and electronic equipment (all devices combined). A $1,200 laptop is covered at most for $500 under this benefit, not the full replacement value.
Charge all or a portion of the Common Carrier fare to the Covered Card and/or use redeemable Rewards Report loss, damage, or theft to the Common Carrier before leaving the airport or station For carry-on baggage: report to the Common Carrier immediately upon exiting the carrier File within 20 days of the incident; submit documents within 90 days
Covers the actual cash value of checked baggage, carry-on baggage, and personal property lost, damaged, or stolen while under the care of a Common Carrier. Maximum benefit is $3,000 per covered traveler per trip. A sub-limit of $500 applies to cameras and other electronic equipment combined, and separately $500 for jewelry and watches. Coverage is secondary to any carrier reimbursement.
What's covered
- Checked baggage lost, damaged, or stolen by the Common Carrier
- Carry-on baggage lost, damaged, or stolen while on the Common Carrier
- Actual cash value (replacement cost less depreciation)
What's not covered
- Items inadvertently left behind on the Common Carrier by the Covered Traveler
- Documents, valuable papers, money, securities, tickets, checks, travelers' checks, furs
Charge all or a portion of the Common Carrier fare to the Covered Card and/or use redeemable Rewards For 24-hour coverage: Trip must not exceed 30 consecutive days Loss must occur within 1 year of the Accident Multiple losses from a single accident limited to the largest single Maximum Benefit Amount
Pays a lump sum in the event of accidental death or covered loss of limb, sight, speech, or hearing while traveling. Common Carrier Travel Accident coverage provides up to $500,000 per covered traveler. Twenty-Four Hour Travel Accident coverage provides up to $100,000 for accidents on any Trip up to 30 days. Covered travelers include the cardholder and family members. Loss must occur within one year of the accident.
What's covered
- Loss of Life
- Loss of both hands or both feet
- Loss of sight in both eyes
- Loss of speech and hearing
- Combination of two covered losses (100% benefit)
- Loss of one hand, one foot, or sight in one eye (50% benefit)
- Loss of thumb and index finger of the same hand (25% benefit)
What's not covered
- Pilots, crew members, or air traffic controllers (unless life-threatening emergency passenger functions)
- Emotional trauma, mental illness, pregnancy, childbirth, miscarriage, bacterial or viral infection
- Commission or attempted commission of an illegal act or felony
- Incarceration
- Motorized vehicular racing or speed contests
- Commuting between residence and regular place of employment
- Professional sporting activities
- Suicide, attempted suicide, or intentionally self-inflicted injury
- Declared or undeclared war or hostilities
No hotel theft protection. Personal belongings stolen from your hotel room are not covered by this card. Electronics and valuables left in a hotel room can total $1,000 to $3,000 with no recourse if stolen.
What's not covered
- This benefit is not provided under this Guide to Benefits
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Chase Disney Premier Visa wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Disney Premier VisaThis card1.4/5?
$49/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Chase Disney Premier Visa stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Disney Premier Visa shoppers also consider.
| Card | This card Disney Premier Visa Chase · $49/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 (USA) / Primary (abroad) | 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.
Cardholder reviews
What cardholders say about the Chase Disney Premier Visa
Real experiences on insurance coverage and claims 47 reviews
RC
r/creditcards
Baggage delay claim took two months
Filed a baggage delay claim through chasecardbenefits.com after my bag was delayed 9 hours on a domestic flight. The process works but it is slow. Uploaded my receipts, got a confirmation number, then waited. Two months later the reimbursement hit my statement. No back and forth, they just took forever to process it.
DI
DISboards
No trip cancellation on Disney Visa
The Disney Visa card does not offer travel insurance as part of the card perks.
DI
DISboards
Not all travel insurance is equal
The Disney Chase Signature Visa does have travel insurance, but not all credit card travel insurance is created equal. The United Explorer card had much better trip insurance than the Disney card had.
Emergency · Card assistance line
How to contact Chase Disney Premier Visa assistance?
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 for claims
Claims & pre-authorizations
How to file a Disney Premier Visa claim
1
Step 1: Report within the deadline
Contact the benefit administrator at chasecardbenefits.com or call 1-800-349-2634 as soon as possible after the incident. Deadlines vary by benefit: 20 days for Auto Rental, Baggage Delay, Lost Luggage, and Travel Accident; 90 days for Purchase Protection and Extended Warranty. Submit all requested documentation within 90 to 120 days depending on the benefit.
2
Step 2: Gather required documents
Documents vary by benefit but typically include your travel itinerary, Covered Card Account statement showing the last four digits, the original itemized sales receipt or rental agreement, and a copy of any settlement or denial from the airline or rental company. For auto rental claims: the accident report form, initial and final rental agreement, repair estimate, and itemized repair bill. For lost luggage: written confirmation of the claim from the airline and copies of original receipts.
3
Step 3: Submit and follow up
Submit all documentation through chasecardbenefits.com or by mail to Virginia Surety Company, Inc. (Assurant). The administrator will ask questions and advise on documentation needed. Cardholders report the process typically takes 4 to 8 weeks from first submission. If a document request comes back, respond in writing and keep copies of everything sent.
FAQ
What people ask about the Chase Disney Premier Visa
- Most Disney Premier Visa travel benefits activate automatically when you charge all or a portion of your Common Carrier fare (flight, train, cruise) to your card or use redeemable Rewards. For rental car coverage, you must also decline the rental agency's CDW/LDW at the counter and pay the full rental with your card. No pre-enrollment or registration is required. Benefits are provided through Virginia Surety Company, Inc., an Assurant company, and administered at chasecardbenefits.com.
- Coverage extends to the primary cardholder and their Family Members, defined broadly: spouse or domestic partner, parents and parents-in-law, sons and daughters (including adopted and stepchildren), legal guardians or wards, siblings, grandparents, grandchildren, aunts, uncles, nieces, nephews, and their domestic partners. For travel benefits, covered travelers do not need to be traveling with the cardholder. The Common Carrier fare only needs to be partially charged to the card to qualify the entire group.
- The Disney Premier Visa provides Auto Rental Coverage up to $60,000 for collision or theft. In the United States, coverage is secondary: your personal auto insurance pays first and this benefit covers what your insurer does not, including your deductible. Outside the United States, coverage becomes primary. To activate: charge the full rental to your card, decline the agency's CDW/LDW at the counter, and you are covered for up to 31 consecutive days. Exotic cars, motorcycles, trucks over standard pick-up size, and vehicles over $125,000 MSRP are excluded.
- Visit chasecardbenefits.com or call 1-800-349-2634 (outside the US, call collect at 001-214-503-2951) as soon as possible after the incident. Filing deadlines are 20 days for auto rental, baggage delay, lost luggage, and travel accident claims, and 90 days for purchase protection and extended warranty claims. You will be asked to provide your card account statement, travel itinerary, original receipts, and supporting documentation specific to each benefit. All documents must be submitted within 90 to 120 days.
- The Disney Premier Visa does not include trip cancellation or trip interruption, meaning non-refundable bookings are not reimbursed if you cancel for any reason. There is no emergency medical coverage abroad: travel and emergency assistance provides referrals only, and all hospital costs are the cardholder's responsibility. There is no trip delay benefit for meals or lodging during delays, no missed connection coverage, and no cell phone protection. Rental car coverage does not include personal liability or belongings stolen from the vehicle.
- No. Trip cancellation is not included in the Disney Premier Visa Guide to Benefits. If you cancel a trip for illness, family emergency, or any other reason, non-refundable prepaid costs for flights, hotels, and tours are not reimbursable through this card. The card's travel protections focus on what happens during the trip, not before it. If trip cancellation coverage matters to you, a separate travel insurance policy is required.
- For most international trips, no. The card has no emergency medical coverage abroad, no evacuation benefit, no trip cancellation, and no trip delay reimbursement. Travel and Emergency Assistance is referral-only: the service helps you find a hospital or doctor, but every dollar of the bill is yours. The $500,000 Travel Accident benefit pays in the event of accidental death or loss of limb, but it does not cover medical treatment. For international travel where medical costs are a real concern, a standalone travel insurance policy fills these gaps.
- No. Cell phone protection is not included in the Disney Premier Visa Guide to Benefits. Theft or accidental damage to your phone is not covered by this card. Replacing a flagship smartphone out of pocket typically costs $800 to $1,300. The card does include Purchase Protection, which covers eligible purchases against theft or accidental damage for 120 days, but mobile phones covered as a new purchase are subject to the $500 per item cap.
- Yes. Baggage Delay Insurance reimburses up to $100 per day for essential purchases when your checked baggage is delayed more than 6 hours from your scheduled arrival time. Coverage applies for up to 3 days, for a maximum of $300 per trip. Covered purchases include toiletries, a change of clothes, and electronic chargers (one per device). File within 20 days of the delay through chasecardbenefits.com and report the delay to the airline before leaving the airport. Cameras, electronic equipment, and jewelry are excluded from this benefit.
Not just Chase
Other cards worth considering
Disney Premier Visa is a strong choice — but depending on what you prioritize, one of these may suit you better.
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