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.
What benefits does the Chase Ink Business Cash card actually include?
Chase·$0/year·Visa Signature Business·Virginia Surety Company (Assurant)
1,6/5Independent review · verified July 2026
0,7
4,0
1,9
Our Verdict · Travel Insurance
Our take on travel insurance for the Chase Ink Business Cash
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Your flight is delayed ten hours. The Chase Ink Business Cash card does not cover it. No trip delay, no trip cancellation, no emergency medical. On a $0 fee business card, that absence is expected. What is in the guide: baggage delay at $100 per day for up to three days after the first six-hour wait, lost or damaged luggage up to $3,000 per traveler per trip, and Travel Accident Insurance at $500,000 for common carrier accidents. Cameras, jewelry, and electronics in your bags are sub-capped at $500 per item. Coverage for baggage is secondary. Standalone travel medical starts at $100,000 per person for international trips. If you travel on business domestically and want your luggage covered, this card does the job. If you need trip cancellation or emergency medical abroad, this card does not provide it.
What works on travel
- Lost luggage covered up to $3,000 per traveler per trip: checked and carry-on bags both eligible
- Baggage delay covers essential purchases at $100 per day for up to 3 days after a 6-hour delay
- Travel Accident Insurance pays $500,000 on common carriers: covers cardholder, family members, and employees
Where travel breaks down
- No trip cancellation or interruption: non-refundable bookings are fully at risk
- No emergency medical coverage abroad: all hospital costs are the cardholder's responsibility
- No trip delay reimbursement: meals and lodging during a delay are out of pocket
- Lost luggage sub-caps cameras, jewelry, and electronics at $500 per item
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 Ink Business Cash Travel Insurance actually cover?
No trip cancellation insurance on this card. A non-refundable business trip of $2,000 or more has no coverage if you must cancel for any reason.
What's not covered
- Trip cancellation not included.
No emergency medical insurance on this card. A single ER visit abroad runs $10,000 to $80,000 with no coverage available.
No emergency medical coverage abroad. The Travel and Emergency Assistance line at 1-800-349-4814 provides referrals to local medical providers but reimburses nothing. All medical costs abroad are the cardholder's responsibility.
What's not covered
- No medical reimbursement of any kind. Travel and Emergency Assistance is a referral service only.
No evacuation coverage. Air ambulance from a remote destination runs $100,000 to $300,000 with no reimbursement available.
No emergency evacuation or repatriation coverage. This benefit is not included with this card. Emergency transportation costs are entirely the cardholder's responsibility. An air ambulance from Southeast Asia can exceed $200,000.
What's not covered
- No evacuation or repatriation coverage of any kind.
No trip interruption coverage. This benefit is not included with this card. Costs from a trip cut short, including unplanned return flights and unused hotel nights, are out of pocket.
What's not covered
- Trip interruption not included.
No trip delay reimbursement. This benefit is not included with this card. Meals, lodging, and transportation during a delay of any length are the cardholder's responsibility.
What's not covered
- Trip delay reimbursement not included.
No missed connection coverage. This benefit is not included with this card. Rebooking costs after a missed connection are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- Missed connection coverage not included.
No early return benefit. This benefit is not included with this card. Additional transportation costs from cutting a business trip short due to an emergency are not reimbursed.
What's not covered
- Early return transportation coverage not included.
Baggage Delay Insurance reimburses essential personal items when checked baggage is delayed by six or more hours. The benefit pays $100 per day after the initial six-hour delay, up to three days maximum. Essential items covered: toiletries, a change of clothes, and chargers for electronic devices (limit one charger per device). Coverage is secondary. Covered Traveler: cardholder, family members, and company employees. Insurer: Virginia Surety Company (Assurant). Claims: chasecardbenefits.com or 1-800-349-4814.
What's covered
- Toiletries, clothing, and essential personal items purchased during the delay
- Chargers for electronic devices (one per device)
- Covers cardholder, family members, and company employees
What's not covered
- Jewelry and watches
- Cameras, video recorders, and electronic equipment
- Recreational and sports equipment
- Business samples
- Hearing aids, dental bridges, and prosthetics
- Tickets, documents, money, and securities
Cameras, jewelry, watches, and electronics are sub-capped at $500 per item regardless of the $3,000 overall limit.
Lost Luggage Reimbursement covers the difference between the actual cash value of lost, damaged, or stolen checked and carry-on baggage and any reimbursement provided by the Common Carrier. The maximum is $3,000 per Covered Traveler per Trip. A $500 sub-limit applies to jewelry, watches, cameras, and electronic equipment. New York residents: $2,000 per bag, $10,000 per trip for all travelers. Coverage is secondary. Insurer: Virginia Surety Company (Assurant). Claims: chasecardbenefits.com.
What's covered
- Checked baggage and carry-on baggage and personal property inside
- Lost, damaged, or stolen luggage in the care of the Common Carrier
What's not covered
- Jewelry and watches above $500 sub-cap
- Cameras, video recorders, and electronic equipment above $500 sub-cap
- Documents, money, securities, tickets, checks, traveler's checks, and furs
- Items intentionally left behind
- Items covered by Common Carrier settlement
Travel Accident Insurance pays a lump sum in the event of accidental death or loss of limb, sight, speech, or hearing during a trip. Common Carrier Travel Accident pays up to $500,000; Twenty-Four Hour Travel Accident pays up to $100,000. Coverage begins on Trip Departure Date for trips up to 30 days. Covered Traveler: cardholder, family members, and company employees on business trips. Loss must occur within one year of the accident. Insurer: Virginia Surety Company (Assurant).
What's covered
- Accidental death: 100% of maximum benefit
- Loss of two limbs, two eyes, or one of each: 100%
- Loss of one limb or one eye: 50%
- Loss of thumb and index finger of same hand: 25%
What's not covered
- Suicide, attempted suicide, or intentional self-inflicted injury
- Pilot or crew member acting in flight operations
- Participating in professional sports for salary or prize
- Declared or undeclared war
- Commuting between residence and regular place of employment
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.
What's not covered
- Hotel theft coverage not included.
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Chase Ink Business Cash wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Baggage: above the market average
Trip Cancel: not covered by this card
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Ink Business CashThis card1.6/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$168 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Chase Ink Business Cash stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Ink Business Cash shoppers also consider.
| Card | This card Ink Business Cash Chase · $0/yr 1.6/5? | 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 |
Trip interruption Covered amount | Not covered Cover this gap → | $10,000 per person Shared limit with cancellation | $15,000 per traveler Same 7 reasons as cancel | $10,000 per person All prepaid travel |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Chase Ink Business Cash
Real experiences on rental car coverage and protection claims 87 reviews
RS
r/smallbusiness
Primary CDW saved me on a business rental
Rented a car for a client visit and declined the CDW at the counter. Charged the rental to my Ink Business Cash. Got a minor scratch on the bumper returning the car. Filed through chasecardbenefits.com. Since the rental was for business use, the coverage was primary: I did not involve my personal auto insurance at all. Approved within three weeks. The daily CDW savings alone cover what this card costs, which is nothing.
RC
r/creditcards
Extended warranty claim took longer after October 2024 admin change
Had a monitor fail 13 months in. Filed under extended warranty through the new chasecardbenefits.com portal. Chase changed their benefit administrator in October 2024, which created some confusion at first. The rep had to re-verify my card was eligible under the new guide. Eventually processed but took six weeks. Keep your original warranty documentation and receipt together before you need them. They asked for both plus a repair estimate from a certified facility.
RC
r/creditcards
Purchase protection denied: disappeared items are not covered
Lost a camera bag somewhere between the hotel and the airport on a business trip. Filed a purchase protection claim on the Ink Business Cash card. Denied. The reason: items that mysteriously disappear with no evidence of a wrongful act are explicitly excluded. The guide calls this category items that vanish without a police report or evidence of theft. If there is nothing to show theft or an accident occurred, the claim will not be approved.
Emergency · Card assistance line
How to contact Chase Ink Business Cash assistance?
Virginia Surety Company (Assurant) handles all benefit claims via chasecardbenefits.com
Chase Card Benefits (US)
1-800-349-4814
Free · 24/7
Travel and Emergency Assistance (international)
001-214-503-2951
Collect call accepted · 24/7
Benefit administrator: Virginia Surety Company, Inc. (VSC), an Assurant company. All benefit claims: Auto Rental Coverage, Baggage Delay, Lost Luggage, Purchase Protection, Extended Warranty, Travel Accident Insurance. Effective 10/01/2024.
Claims & pre-authorizations
How to file a Chase Ink Business Cash card benefit claim
1
Step 1: Visit chasecardbenefits.com
All Chase Ink Business Cash benefit claims go through chasecardbenefits.com or call 1-800-349-4814. For travel assistance or emergencies abroad call 001-214-503-2951 (collect). Auto Rental Coverage: notify within 100 days. Baggage Delay and Lost Luggage: report to the carrier before leaving the airport, then file within 20 days. Purchase Protection and Extended Warranty: file within 90 days of the loss or product failure. Travel Accident Insurance: notify within 20 days.
2
Step 2: Gather your documentation
Auto Rental Coverage: accident report form, rental agreement (front and back), repair estimate and itemized bill, police report if filed, card statement, statement from personal insurance if applicable. Baggage Delay: travel itinerary, card statement, written confirmation of delay from carrier, itemized receipts for essential items purchased. Lost Luggage: travel itinerary, card statement, Common Carrier settlement or denial, original receipts. Purchase Protection: itemized sales receipt, card statement, police report or fire report for theft, repair estimate. Extended Warranty: itemized sales receipt, card statement, original warranty, repair estimate from certified facility.
3
Step 3: Submit proof of loss
Auto Rental Coverage: submit all documents within 365 days of the incident. Baggage Delay: submit within 90 days of the baggage being delayed. Lost Luggage: submit within 90 days. Purchase Protection: submit within 120 days of the loss. Extended Warranty: submit within 120 days of the failure. Travel Accident Insurance: submit within 90 days. File at chasecardbenefits.com or send by mail. Keep copies of all submissions.
FAQ
What people ask about the Chase Ink Business Cash
- Most Chase Ink Business Cash travel benefits activate automatically when you pay with the card. For Auto Rental Coverage, charge the full rental to the card and decline the rental agency's collision damage waiver at the counter. For Baggage Delay and Lost Luggage insurance, charge all or part of your common carrier fare (flight, train, or cruise) to the card. For Purchase Protection and Extended Warranty, simply pay for the item with the card. Travel Accident Insurance activates when you charge the common carrier fare to the card. No pre-registration is required for any benefit.
- Auto Rental Coverage applies to the cardholder and any additional drivers authorized on the rental agreement. Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection, Extended Warranty, and Travel Accident Insurance all cover the cardholder, their family members (spouse or domestic partner and dependent children), and person(s) employed by the company for which the card account is issued. Family Members do not need to be present for coverage to apply to their purchased items under Purchase Protection or Extended Warranty.
- At the rental counter, decline the collision damage waiver (CDW/LDW). Pay the entire rental with your Chase Ink Business Cash card. For business use in the United States, coverage is primary: file directly with the benefit administrator with no personal auto insurer involvement. For personal use in the United States, coverage is secondary: your personal auto insurance pays first. Outside the United States, coverage is always primary. The vehicle cap is $60,000 and rentals must not exceed 31 consecutive days. File claims within 100 days at chasecardbenefits.com or call 1-800-349-4814.
- All claims go through chasecardbenefits.com or by calling 1-800-349-4814. For emergencies abroad, call 001-214-503-2951 collect. Auto Rental Coverage: notify within 100 days, submit all documents within 365 days. Baggage Delay: report to the airline before leaving the airport, then file within 20 days, submit documents within 90 days. Lost Luggage: notify the carrier, then file within 20 days, submit within 90 days. Purchase Protection: file within 90 days of the loss, submit within 120 days. Extended Warranty: file within 90 days of the product failure, submit documentation within 120 days. All claims are handled by Virginia Surety Company, Inc. (Assurant) effective October 1, 2024.
- The Chase Ink Business Cash card does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or medical evacuation. Baggage Delay does not cover jewelry, cameras, electronics, recreational equipment, or business samples. Lost Luggage caps cameras, jewelry, watches, and electronic equipment at $500 per item. Auto Rental Coverage excludes personal liability, personal injury, and damage to third-party vehicles. Purchase Protection excludes mysterious disappearance and items in the care of a common carrier. There is no cell phone protection, return protection, or price protection benefit.
- No. The Chase Ink Business Cash card does not include emergency medical insurance abroad. The Travel and Emergency Assistance line at 1-800-349-4814 is available 24 hours a day and can refer you to local medical providers, help with language barriers, and assist with emergency logistics. However, the assistance service reimburses nothing. All medical bills abroad are the cardholder's financial responsibility. For international business travel, carrying separate travel medical insurance with at least $100,000 in emergency coverage is worth considering.
- No. The Chase Ink Business Cash card does not include trip cancellation or trip interruption insurance. If you need to cancel a business trip, prepaid and non-refundable flights, hotels, and other bookings are not reimbursable through this card. The Chase Ink Business Preferred credit card does include trip cancellation insurance. If trip cancellation coverage is important for your business travel, consider carrying a separate travel insurance policy for trips with significant non-refundable costs.
- Extended Warranty Protection adds one additional year to the original U.S. manufacturer repair warranty on eligible purchases. The original warranty, plus any purchased service contract, must not exceed three years combined to qualify. Maximum total coverage is four years from the purchase date. The benefit pays up to $10,000 per item and $50,000 per calendar year. Charge the item to the card, keep the original receipt and warranty documentation, and file at chasecardbenefits.com within 90 days of the product failure. Submit all documents within 120 days.
- No. Cell phone protection is not included with the Chase Ink Business Cash card. If your phone is stolen or accidentally damaged, repair and replacement costs are entirely your responsibility. Screen repair on a flagship smartphone typically runs $200 to $400. Device replacement runs $800 to $1,300. Cell phone protection is available on some higher-tier business cards that require you to pay your monthly wireless bill with the card. The Chase Ink Business Cash card does not include this benefit.
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