How do I activate the Chase Freedom Rise benefits?

Most Chase Freedom Rise travel and purchase benefits activate automatically when you use your card for eligible purchases. For trip cancellation, baggage, and travel accident coverage, the Common Carrier ticket must be paid in whole or in part with your Chase Freedom Rise card or with Rewards earned on the card. For rental car coverage, you must decline the rental agency's collision damage waiver at the counter and pay the full rental with your card. No pre-registration is required. Benefits are attached to your card account and activate at the moment of the qualifying purchase.

Who is covered under the Chase Freedom Rise travel benefits?

Coverage definitions vary by benefit. For Trip Cancellation and Interruption, coverage extends to the cardholder and Covered Travelers whose trip was paid for with the Chase Freedom Rise card. Travel Accident Insurance covers the cardholder and accompanying family members traveling on the same itinerary. For Lost Luggage and Baggage Delay, coverage applies to the cardholder and traveling companions sharing the same booking. For the precise covered persons definition per benefit, refer to the Chase Freedom Rise Guide to Benefits effective October 2024.

Is the Chase Freedom Rise rental car coverage primary or secondary?

The Chase Freedom Rise offers secondary CDW (collision damage waiver) coverage in the United States, meaning your personal auto insurance pays first and the card covers the remaining costs up to $60,000. Outside the United States, or if you carry no personal auto insurance, coverage becomes primary and you file directly with the benefit administrator. To activate: decline the rental agency's CDW at the counter and charge the full rental to your Chase Freedom Rise card. Rental period must not exceed 31 consecutive days. Exotic vehicles, motorcycles, cargo trucks, and peer-to-peer car rentals are excluded.

How do I file a claim with the Chase Freedom Rise?

Claims are filed through chasecardbenefits.com, administered by Virginia Surety Company, Inc. (Assurant). For most travel benefits, notify the administrator within 20 days of the incident and submit supporting documents within 90 days. Auto rental claims allow 100 days for notification and 365 days for full documentation. For Purchase Protection and Extended Warranty, file within 90 days of the incident and submit documents within 120 days. Keep itemized receipts, your card statement showing the charge, and any official reports. Phone: 1-800-349-2691 for most benefits; 1-800-349-2634 for baggage and travel accident claims.

What does the Chase Freedom Rise NOT cover?

The three most significant gaps: no emergency medical insurance abroad (Travel and Emergency Assistance provides referrals only, all bills are yours), no trip delay reimbursement (hotel and meals during a flight delay are out of pocket), and no emergency evacuation coverage. Trip cancellation does not cover pre-existing conditions within 60 days before booking, epidemics, change of mind, or pregnancy beyond 26 weeks. Rental car coverage excludes exotic vehicles, motorcycles, and peer-to-peer rentals. Purchase Protection does not cover mysterious disappearance without documented theft, motorized vehicles, or items purchased for resale.

What trip cancellation reasons are covered by the Chase Freedom Rise?

Eight covered reasons: accidental injury or illness requiring medical attention, death of the covered traveler or a family member, severe weather within 50 miles of the departure airport or destination, a named storm warning, a terrorist incident within 25 miles of the travel area in the 30 days before departure, a U.S. government travel warning against terrorism issued within 10 days before departure, a change in military orders, and an organized labor strike disrupting public transportation by 20% or more. The maximum is $1,500 per person and $6,000 per trip. Pre-existing conditions and known events at booking are excluded.

Does the Chase Freedom Rise cover expenses if my baggage is delayed?

Yes. If your checked bag is delayed more than 6 hours after your scheduled arrival, the Chase Freedom Rise reimburses essential purchases at $100 per day for up to 3 consecutive days — a maximum of $300 per trip. Covered items include clothing, toiletries, and phone chargers (one per type). Electronics, cameras, and jewelry are excluded. Report the delay to the carrier before leaving the airport and obtain written confirmation — this documentation is required. File at chasecardbenefits.com within 20 days. Coverage is secondary to the carrier's liability.

Does the Chase Freedom Rise cover emergency medical expenses abroad?

No. The Chase Freedom Rise does not include emergency medical insurance. Travel and Emergency Assistance (available 24/7 at 1-800-349-2691) can refer you to English-speaking doctors, but every dollar of the bill is your responsibility. A single emergency room visit abroad can cost $5,000 to $40,000. An air evacuation from a remote destination can exceed $100,000. If you travel internationally, a standalone travel medical insurance policy addresses this gap directly and typically costs $30 to $60 for a one-week international trip.

Is the Chase Freedom Rise sufficient for international travel?

For short domestic trips, the $0 annual fee card provides a useful safety net: trip cancellation, lost luggage, and rental car coverage. For international travel outside North America, the card has serious limitations: no emergency medical insurance, no evacuation coverage, no trip delay reimbursement, and a 3% foreign transaction fee on every purchase. The $1,500 per person cancellation cap is also below the $5,000 to $10,000 benchmark for international itineraries. A standalone travel insurance policy would fill the medical, evacuation, and delay gaps at a fraction of the cost of one out-of-pocket ER bill.

Is cell phone protection included with the Chase Freedom Rise?

No. The Chase Freedom Rise does not include cell phone protection. Accidental damage, screen repairs, and theft of your phone are not covered through this card's benefit program. Screen repair for a flagship smartphone typically costs $300 to $500; full replacement runs $800 to $1,300. If cell phone coverage matters to you, consider paying your monthly phone bill with a card that includes this benefit — several no-annual-fee cards now offer cell phone protection with a $50 deductible.

What are the Chase Freedom Rise benefits, and what do they actually cover?

Chase·$0/year·Visa Platinum / Visa Signature·Virginia Surety Company (Assurant)

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

2,1/5Independent review · verified June 2026

Travel Insurance

1,8

Car Rental

3,2

Protection

1,7

Our Verdict · Travel Insurance

Our opinion on Chase Chase Freedom Rise® Travel Insurance

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

Trip cancel included. Zero medical. Here is what that gap actually costs a Freedom Rise cardholder. The trip cancellation benefit is a genuine surprise on a $0 card: up to $1,500 per person, eight covered reasons including illness and severe weather, zero deductible. The medical coverage does not exist. Travel and Emergency Assistance will connect you with a local doctor, but every dollar of the bill is yours. Most cardholders assume the phrase 'travel assistance' means insurance. It does not. A single ER visit in Mexico or Europe averages $5,000 to $40,000. Standalone travel insurance starts at $100,000 per person for emergency medical on international trips. If you travel outside North America without separate health coverage, the $1,500 cancellation cap is useful, but the zero medical coverage is the real exposure.

What works on travel

$1,500 per person trip cancellation with no deductible: covers illness, severe weather, military orders, and 8 other reasons at $0 annual fee
$3,000 per person lost luggage reimbursement: covers both checked and carry-on bags lost or damaged by the carrier
Travel Accident Insurance up to $500,000 on common carrier flights: lump-sum benefit included at no annual cost
$300 baggage delay coverage: $100 per day after a 6-hour delay, up to 3 consecutive days, for essential purchases

Where travel breaks down

No emergency medical coverage abroad: Travel and Emergency Assistance provides referrals only, all medical costs are the cardholder's responsibility
No trip delay reimbursement: hotel nights, meals, and transportation during any flight delay are entirely out of pocket
No emergency evacuation insurance: coordination-only assistance, no reimbursement for air transport costs
$1,500 per person cancellation cap: well below the $5,000 to $10,000 benchmark for mid-range travel cards
3% foreign transaction fee: adds cost to every international purchase before any insurance gap arises

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 Chase Freedom Rise® Travel Insurance actually cover?

Quality, not just caps

Deductible : No deductible

Trip must be paid in whole or in part with the Chase Freedom Rise card, or with Rewards earned on the card Cancellation must occur before the scheduled departure date Maximum trip duration: 60 consecutive days Coverage is secondary to any other valid insurance in force

Covers all prepaid non-refundable travel costs when any portion of the trip is charged to the Chase Freedom Rise card. The maximum benefit is $1,500 per Covered Traveler and $6,000 per trip across all travelers combined. Coverage applies to trips of up to 60 consecutive days. No deductible applies.

Recommended : $10,000

What's covered

Accidental bodily injury or illness requiring medical attention or hospitalization
Death of the covered traveler, a traveling companion, or an immediate family member
Severe weather within 50 miles of the departure airport or destination
Named storm warning issued by a recognized meteorological authority
Terrorist incident within 25 miles of the covered traveler's residence or destination within 30 days before departure
U.S. government travel warning against terrorism issued within 10 days before departure
Change in military orders affecting the covered traveler or their spouse or domestic partner
Organized labor strike affecting public transportation and causing a 20% or greater delay or cancellation

What's not covered

Pre-existing conditions diagnosed or treated within 60 days before the booking date
Change of plans, personal financial circumstances, or disinclination to travel
Pregnancy beyond the 26th week
Known events or named storms already in effect at time of booking
Trips exceeding 60 consecutive days
Insolvency of a travel supplier
War (excluding terrorist incidents as defined in the benefit terms)
Epidemics or pandemics

No emergency medical coverage. Travel and Emergency Assistance provides referrals and coordination only — no reimbursement of any medical costs. 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

All emergency medical expenses abroad are excluded from coverage
Travel and Emergency Assistance provides referrals, translation, and coordination only

No emergency evacuation coverage. Emergency Transportation Assistance coordinates transport and repatriation of remains but does not pay any costs. 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

All emergency evacuation and medical transport costs are excluded from coverage
Emergency Transportation Assistance provides coordination only — all costs remain with the cardholder

Deductible : No deductible

Trip must be paid in whole or in part with the Chase Freedom Rise card Interruption must be due to a covered hazard occurring during the trip Coverage is secondary to any other valid insurance in force

Covers non-refundable prepaid travel costs when a trip in progress must be cut short due to a covered reason. The maximum benefit is $1,500 per Covered Traveler and $6,000 per trip. Ground transportation to the nearest airport of up to $250 is included. No deductible applies.

Recommended : $10,000

What's covered

Medical condition requiring care during travel
Terrorist incident within 25 miles of the destination during the trip
U.S. government travel warning against terrorism issued during the trip
All Trip Cancellation covered reasons also apply to Trip Interruption

What's not covered

Pre-existing conditions diagnosed or treated within 60 days before the booking date
Change of plans or personal financial circumstances
War (excluding terrorist incidents as defined)
Epidemics or pandemics

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

All trip delay expenses are excluded from coverage

No missed connection coverage. This benefit is not included with this card. Last-minute rebooking on a missed international connection can cost $300 to $800.

What's not covered

All missed connection expenses are excluded from coverage

No early return home benefit. This benefit is not included with this card. A last-minute one-way flight home due to a family emergency can cost $800 to $2,000.

What's not covered

Early return transportation costs are not covered

Deductible : No deductible

Baggage must be delayed more than 6 hours after the scheduled arrival time Delay must be caused by the Common Carrier Delay must be reported to the carrier before leaving the airport Ticket must be purchased with the Chase Freedom Rise card Claim must be filed within 20 days; documents submitted within 90 days

Reimburses essential personal items when checked baggage is delayed more than 6 hours after scheduled arrival. The benefit pays $100 per day for up to 3 consecutive days, for a maximum of $300 per trip. Covered purchases include clothing, toiletries, and phone chargers (one per type). Coverage is secondary.

What's covered

Essential clothing
Toiletries and personal care items
Phone chargers (one per type)

What's not covered

Jewelry and watches
Cameras, photographic equipment, and electronics
Tickets, travel documents, and cash
Specialty recreation or business equipment
Items not reported to the carrier before leaving the airport

Deductible : No deductible

Loss, theft, or damage must be reported to the carrier before leaving the airport A Property Irregularity Report must be obtained from the carrier at the time of reporting Ticket must be purchased with the Chase Freedom Rise card Claim must be filed within 20 days; documents submitted within 90 days

Covers the actual cash value of checked and carry-on baggage lost, stolen, or damaged by the Common Carrier. The maximum benefit is $3,000 per Covered Traveler per trip. A $500 sub-limit applies to cameras, watches, and electronic equipment. New York residents are subject to a $2,000 per bag and $10,000 per trip cap. Coverage is secondary.

What's covered

Checked baggage lost, stolen, or physically damaged by the Common Carrier
Carry-on baggage lost, stolen, or physically damaged by the Common Carrier
Personal effects within bags, subject to applicable sub-limits

What's not covered

Cash, money, securities, and negotiable instruments
Passports, tickets, and documents of value
Furs and fur-trimmed garments
Items intentionally left in carry-on baggage
Loss not reported to the carrier before leaving the airport

Deductible : No deductible

Ticket must be purchased in whole or in part with the Chase Freedom Rise card Coverage active from departure date until 12:01 AM on day 31 Loss must occur within one year of the accident Claim must be filed within 20 days; documents submitted within 90 days

Provides a lump-sum benefit in the event of accidental death or dismemberment during covered travel. Common Carrier Travel Accident covers up to $500,000; Twenty-Four Hour Travel Accident covers up to $100,000. Coverage is active from the departure date through day 30. A schedule of losses applies: 100% for death or two limbs, 50% for one limb, 25% for thumb and index finger.

What's covered

Accidental death while riding as a passenger in a Common Carrier (flight, train, bus, cruise)
24-hour accidental death or dismemberment coverage from departure through day 30
Loss of two limbs or eyes: 100% benefit
Loss of one limb or eye, or loss of speech or hearing: 50% benefit
Loss of thumb and index finger of the same hand: 25% benefit

What's not covered

Aircraft piloting by the covered person
Illness or sickness
Pregnancy and childbirth
Professional sports participation
Motorized racing
Influence of alcohol or controlled substances
Illegal acts
War

No hotel theft protection. This benefit is not included with this card. Electronics and valuables stolen from a hotel room can total $1,000 to $3,000 with no recourse through this card.

What's not covered

Personal belongings stolen from hotel rooms are 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 Chase Freedom Rise® wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Chase Freedom Rise®This card2.1/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Chase Chase Freedom Rise® stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Chase Freedom Rise® shoppers also consider.

Card	This card Chase Freedom Rise® Chase · $0/yr 2.1/5?	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	$1,500 per person All prepaid travel	$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 (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.

Most Chase Freedom Rise travel and purchase benefits activate automatically when you use your card for eligible purchases. For trip cancellation, baggage, and travel accident coverage, the Common Carrier ticket must be paid in whole or in part with your Chase Freedom Rise card or with Rewards earned on the card. For rental car coverage, you must decline the rental agency's collision damage waiver at the counter and pay the full rental with your card. No pre-registration is required. Benefits are attached to your card account and activate at the moment of the qualifying purchase.
Coverage definitions vary by benefit. For Trip Cancellation and Interruption, coverage extends to the cardholder and Covered Travelers whose trip was paid for with the Chase Freedom Rise card. Travel Accident Insurance covers the cardholder and accompanying family members traveling on the same itinerary. For Lost Luggage and Baggage Delay, coverage applies to the cardholder and traveling companions sharing the same booking. For the precise covered persons definition per benefit, refer to the Chase Freedom Rise Guide to Benefits effective October 2024.
The Chase Freedom Rise offers secondary CDW (collision damage waiver) coverage in the United States, meaning your personal auto insurance pays first and the card covers the remaining costs up to $60,000. Outside the United States, or if you carry no personal auto insurance, coverage becomes primary and you file directly with the benefit administrator. To activate: decline the rental agency's CDW at the counter and charge the full rental to your Chase Freedom Rise card. Rental period must not exceed 31 consecutive days. Exotic vehicles, motorcycles, cargo trucks, and peer-to-peer car rentals are excluded.
Claims are filed through chasecardbenefits.com, administered by Virginia Surety Company, Inc. (Assurant). For most travel benefits, notify the administrator within 20 days of the incident and submit supporting documents within 90 days. Auto rental claims allow 100 days for notification and 365 days for full documentation. For Purchase Protection and Extended Warranty, file within 90 days of the incident and submit documents within 120 days. Keep itemized receipts, your card statement showing the charge, and any official reports. Phone: 1-800-349-2691 for most benefits; 1-800-349-2634 for baggage and travel accident claims.
The three most significant gaps: no emergency medical insurance abroad (Travel and Emergency Assistance provides referrals only, all bills are yours), no trip delay reimbursement (hotel and meals during a flight delay are out of pocket), and no emergency evacuation coverage. Trip cancellation does not cover pre-existing conditions within 60 days before booking, epidemics, change of mind, or pregnancy beyond 26 weeks. Rental car coverage excludes exotic vehicles, motorcycles, and peer-to-peer rentals. Purchase Protection does not cover mysterious disappearance without documented theft, motorized vehicles, or items purchased for resale.
Eight covered reasons: accidental injury or illness requiring medical attention, death of the covered traveler or a family member, severe weather within 50 miles of the departure airport or destination, a named storm warning, a terrorist incident within 25 miles of the travel area in the 30 days before departure, a U.S. government travel warning against terrorism issued within 10 days before departure, a change in military orders, and an organized labor strike disrupting public transportation by 20% or more. The maximum is $1,500 per person and $6,000 per trip. Pre-existing conditions and known events at booking are excluded.
Yes. If your checked bag is delayed more than 6 hours after your scheduled arrival, the Chase Freedom Rise reimburses essential purchases at $100 per day for up to 3 consecutive days — a maximum of $300 per trip. Covered items include clothing, toiletries, and phone chargers (one per type). Electronics, cameras, and jewelry are excluded. Report the delay to the carrier before leaving the airport and obtain written confirmation — this documentation is required. File at chasecardbenefits.com within 20 days. Coverage is secondary to the carrier's liability.
No. The Chase Freedom Rise does not include emergency medical insurance. Travel and Emergency Assistance (available 24/7 at 1-800-349-2691) can refer you to English-speaking doctors, but every dollar of the bill is your responsibility. A single emergency room visit abroad can cost $5,000 to $40,000. An air evacuation from a remote destination can exceed $100,000. If you travel internationally, a standalone travel medical insurance policy addresses this gap directly and typically costs $30 to $60 for a one-week international trip.
For short domestic trips, the $0 annual fee card provides a useful safety net: trip cancellation, lost luggage, and rental car coverage. For international travel outside North America, the card has serious limitations: no emergency medical insurance, no evacuation coverage, no trip delay reimbursement, and a 3% foreign transaction fee on every purchase. The $1,500 per person cancellation cap is also below the $5,000 to $10,000 benchmark for international itineraries. A standalone travel insurance policy would fill the medical, evacuation, and delay gaps at a fraction of the cost of one out-of-pocket ER bill.
No. The Chase Freedom Rise does not include cell phone protection. Accidental damage, screen repairs, and theft of your phone are not covered through this card's benefit program. Screen repair for a flagship smartphone typically costs $300 to $500; full replacement runs $800 to $1,300. If cell phone coverage matters to you, consider paying your monthly phone bill with a card that includes this benefit — several no-annual-fee cards now offer cell phone protection with a $50 deductible.