Chase·$95/year·Visa Signature Business·Virginia Surety Company (Assurant)
Our Verdict · Travel Insurance
So, you're running a business trip to Berlin and your co-founder gets hospitalized the day before departure. The Chase Ink Business Preferred travel insurance on trip cancellation pays $5,000 per person, covers 13 reasons including illness, military orders, and severe weather, with no deductible. No emergency medical benefit exists. Most business cardholders assume a travel card handles foreign ER visits. It does not. Claims go through chasecardbenefits.com within 20 days of the incident, and the administrator asks for the original itinerary and written carrier documentation confirming the cause. Standalone emergency medical coverage starts at $100,000 per person: if your company does not provide international health coverage, the zero medical benefit is your largest financial gap on any trip outside the US.
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
Quality, not just caps
Covered traveler or traveling companion dies, suffers accidental bodily injury, disease, or physical illness and is advised by a physician to cancel Family member suffers accidental bodily injury, life-threatening disease, or requires care by the covered traveler Severe weather preventing safe travel from the covered traveler's residence or within 50 miles of the departure airport Named Storm Warning issued during scheduled travel for a named storm expected within 50 miles of a scheduled location Change in military orders for the covered traveler or their domestic partner Jury duty or a court subpoena that cannot be postponed or waived Primary residence rendered uninhabitable, burglarized, or damaged by fire or flood Provider of lodging on the itinerary rendered uninhabitable Death or hospitalization of the host at destination Quarantine imposed by a licensed medical practitioner or governmental authority for a contagious disease Organized strike causing the covered traveler to miss at least 20% of the scheduled trip duration Terrorist Incident within 25 miles of the departure city within 30 days of scheduled departure Travel Warning due to terrorism issued by the US Department of State within 10 days of the Trip Departure Date
Covers non-refundable trip expenses up to $5,000 per covered traveler when a trip is cancelled due to a covered reason. The per-trip limit for all covered travelers is $10,000, and the maximum per 12-month period per account is $20,000. Coverage begins on the initial deposit or booking date. Eligible expenses include non-refundable prepaid travel costs, change fees, and redeposit fees charged by a rewards program.
Recommended : $10,000
Emergency medical coverage abroad is not included with the Chase Ink Business Preferred. The Travel and Emergency Assistance service provides referrals to local medical providers but the cardholder is responsible for the full cost of any medical care, hospitalization, or emergency treatment received abroad. This is a referral service, not an insurance benefit.
Emergency evacuation or repatriation coverage is not included. The Travel and Emergency Assistance service can arrange emergency transportation referrals and coordinate with local providers, but the cardholder is responsible for all actual transportation costs. The Guide to Benefits explicitly states: 'The Covered Traveler is responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.'
Same covered reasons as Trip Cancellation: illness, injury, death, family illness requiring hospitalization, severe weather, named storm warning, military orders, jury duty, home uninhabitable, lodging uninhabitable, host death or hospitalization, quarantine, organized strike, terrorist incident, travel warning Trip must have already commenced (past Trip Departure Date)
Covers non-refundable prepaid trip expenses up to $5,000 per covered traveler when a trip is interrupted due to a covered reason after the departure date. For interruptions requiring medical treatment, ground transportation expenses up to $250 are covered to reach the nearest airport, terminal, or station. Costs to return a rental vehicle to the nearest rental agency or the covered traveler's personal vehicle to their residence are also covered.
Recommended : $10,000
Common Carrier delayed more than 12 consecutive hours from the scheduled departure OR delay requires an overnight stay Delay must be caused by equipment failure of the Common Carrier, inclement weather, strike, or hijacking Covered traveler must have charged the Common Carrier fare to the card Claim must be filed at chasecardbenefits.com within 60 days of the delay
Reimburses reasonable additional expenses when a Common Carrier is delayed more than 12 consecutive hours or requires an overnight stay due to a covered cause. The maximum benefit is $500 per covered traveler per trip. Covered expenses include meals, lodging, toiletries, and medication. Coverage is secondary to any reimbursement provided by the Common Carrier.
No missed connection coverage. If a delayed inbound flight causes you to miss a connection, rebooking costs and additional expenses are not reimbursed by this card. Missed connection costs are the cardholder's responsibility.
No early return home benefit. Additional transportation costs incurred when cutting a trip short are not covered by a dedicated early return benefit. Trip Interruption coverage applies to some early return scenarios when caused by a covered reason.
Checked baggage must be delayed 6 or more hours from the scheduled arrival Covered traveler must have charged the Common Carrier fare to the card The Common Carrier must formally acknowledge the delay File claim at chasecardbenefits.com within 20 days of the delay
Reimburses essential purchases when checked baggage is delayed 6 or more hours from the scheduled arrival time. The benefit pays $100 per day for up to 5 days, for a maximum total of $500. Covered purchases include clothing, toiletries, and chargers for electronic devices (limit one per device). Coverage is secondary.
Baggage must be checked in with or carried onto a Common Carrier Loss, damage, or theft must be reported to the Common Carrier before leaving the airport or station, and a Property Irregularity Report must be obtained Claim must be filed at chasecardbenefits.com within 20 days of the loss The Common Carrier fare must have been charged to the card
Reimburses the difference between actual cash value of lost, stolen, or damaged baggage and any reimbursement provided by the Common Carrier. The maximum benefit is $3,000 per covered traveler per trip. Sub-limits apply: up to $500 for cameras and other electronic equipment, and up to $500 for jewelry and watches. Coverage applies to both checked baggage and carry-on baggage. Coverage is secondary and payable above any amount from the Common Carrier or other valid insurance.
Common Carrier fare must be charged to the card for the Common Carrier tier For 24-hour tier, trip must be 30 consecutive days or less Loss must occur within one year of the accident
Travel Accident Insurance provides two coverage tiers. Common Carrier Travel Accident pays up to $500,000 for accidental death or dismemberment while riding as a passenger on, entering, or exiting a Common Carrier. Twenty-Four Hour Travel Accident pays up to $100,000 for accidental loss occurring at any time during a trip of up to 30 consecutive days. Coverage applies to the cardholder, their family members, and persons employed by the company for which the Covered Card Account is issued.
No hotel theft protection benefit. Personal belongings stolen from your hotel room are not covered by a dedicated hotel theft benefit on this card. Items stolen within 120 days of purchase may qualify under Purchase Protection if originally charged to the card.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
Same 5 coverage dimensions, ranked head-to-head against the cards most Ink Business Preferred shoppers also consider.
| Card | This card Ink Business Preferred Chase · $95/yr 3.1/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | Metal Revolut · $204/yr 3.0/5? | Sapphire Reserve Business Chase · $795/yr 3.7/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $5,000 per person 13 covered reasons | $10,000 per person 13 covered reasons | €5,000 per person 10% excess, max €50/claim | $10,000 per person All prepaid travel |
Emergency medical Hospital bills abroad | $2,500 | $50 deductible $50 deductible | €10,000,000 Pre-approval recommended | $2,500 Reimbursement only | |
Emergency evacuation Air ambulance + repatriation | $100,000 | pre-auth required Pre-authorization required | Unlimited Arranged by XCover Assist | $100,000 Pre-authorization required | |
Trip delay trigger Hours before benefits kick in | 12h / $500 Trigger: 12 hours | $500 after 6 hours Trigger: 6 hours | 4h / €500 Trigger: 4 hours | 6h / $500 Trigger: 6 hours or overnight |
Rental CDW Primary or secondary | Primary / $60,000 Primary outside US + US business | Primary / $75,000 Primary coverage | Secondary / €2,000 Secondary — excess reimbursement | Primary / $75,000 Primary coverage |
Data verified against each card's Guide to Benefits, May 2026.
r/creditcards
Easy cell phone claim
Filed a cell phone protection claim on the Ink Preferred: cracked screen, $100 deductible, reimbursed in about 3 weeks. Really easy process through the benefits portal.
Frequentmiler.com reader
Solid international CDW
Used the international CDW in Europe: primary coverage, no questions asked when I filed. The coverage is solid for international rentals.
10xTravel
Secondary CDW in the US
CDW is only secondary in the US, which is frustrating if most of your travel is domestic. International travel is where this card really earns its keep.
r/creditcards
Low cancellation cap for families
The trip cancellation limit is $5,000 per person but $10,000 total for the whole trip. For a family of four, that cap can go fast on a pricier vacation.
US Benefits Assistance
1-800-349-4814
24/7
International Assistance
collect: +001-214-503-2951
Collect calls accepted · 24/7
Benefit administrator: Virginia Surety Company, Inc. (an Assurant company)
Claims & pre-authorizations
How to file a Chase Ink Business Preferred benefit claim
Step 1: Notify within deadline
For trip cancellation or lost luggage: notify within 20 days of the incident. For trip delay: notify within 60 days. Visit chasecardbenefits.com or call 1-800-349-4814 to open a claim immediately.
Step 2: Gather your documents
For trip cancellation: original itinerary, card statement, written proof of non-refundability, and documentation of the covered reason. For baggage: Property Irregularity Report filed at the airport before leaving, plus itemized receipts for all claimed items.
Step 3: Submit proof of loss
Submit all documents through chasecardbenefits.com. Some cardholders report approval in 2-4 weeks. Others describe 6-8 week waits with multiple document requests. Keep copies of everything submitted and note the date of each interaction.
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