How do I file a claim with my Chase Instacart Mastercard?

Contact Card Benefit Services at 1-800-350-1697 or visit chasecardbenefits.com. You generally have 60 days from the incident to notify the administrator. Gather your original receipt, the card statement showing the purchase, and documentation of the loss or damage before calling.

What is the benefits phone number for the Chase Instacart Mastercard?

Card Benefit Services handles insurance claims at 1-800-350-1697, available 24/7. For World Elite Mastercard concierge services, call 1-800-622-7747.

Does the Chase Instacart Mastercard cover pre-existing conditions?

This card does not include travel medical insurance or trip cancellation coverage, so pre-existing condition clauses do not apply. There is no reimbursement for medical expenses abroad or trip cancellation due to health reasons.

Is the Instacart Mastercard travel insurance primary or secondary?

The rental car CDW is secondary in the United States — your personal auto insurance pays first. Lost luggage and baggage delay coverage work directly through Card Benefit Services, with no personal insurance required to act first. There is no travel health insurance on this card.

What is excluded from Chase Instacart Mastercard travel insurance?

The card excludes trip cancellation, trip interruption, emergency medical coverage abroad, trip delay reimbursement, missed connection benefits, and evacuation or repatriation. Travel & Emergency Assistance is available around the clock but coordinates services only — all resulting costs remain the cardholder's responsibility.

Does the Instacart Mastercard cover trip cancellation?

No. This card does not include trip cancellation or interruption coverage. For protection on non-refundable travel costs, you would need to purchase a separate travel insurance policy.

Is the rental car CDW primary or secondary outside the US?

CDW is confirmed secondary in the United States. For international rentals, check your Guide to Benefits at chasecardbenefits.com, as coverage terms may differ by country.

Does the Chase Instacart Mastercard have purchase protection?

Yes. New purchases are protected for 120 days against theft or accidental damage — 90 days for New York residents — up to $500 per claim and $50,000 per account per year. Keep your original receipt, as it is required when filing a claim.

What does the Instacart Mastercard actually cover?

Chase·$0/year·World Elite Mastercard·Virginia Surety Company, Inc. (an Assurant company)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 15, 20268 min read

1,0/5Independent review · verified July 2026

Travel Insurance

0,7

Car Rental

1,5

Protection

2,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Chase Instacart Mastercard

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

The Instacart Mastercard keeps travel coverage thin. Baggage delay pays $100/day for up to 3 days after a 6-hour wait. Lost luggage reimburses up to $3,000 per passenger — $2,000 per bag for New York residents. That's the full extent of travel insurance on this card. No trip cancellation, no medical coverage abroad, no trip delay reimbursement, no missed connection benefit. Travel & Emergency Assistance connects you to services around the clock, but every cost stays with you. The $500,000 Travel Accident Insurance covers accidental death or dismemberment during paid travel — not injuries or illness.

What works on travel

Lost luggage reimbursement up to $3,000 per passenger
Baggage delay coverage kicks in after 6 hours, up to $100/day for 3 days
Travel Accident Insurance up to $500,000 for accidental death or dismemberment
No annual fee for what coverage exists

Where travel breaks down

No trip cancellation or trip interruption coverage
No emergency medical coverage abroad
No trip delay reimbursement
No missed connection benefit
No evacuation or repatriation coverage
Travel assistance is coordination only — all costs remain the cardholder's responsibility

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 Instacart Mastercard Travel Insurance actually cover?

Trip cancellation and interruption are not covered by this card.

No emergency medical coverage abroad. Travel & Emergency Assistance can help coordinate medical referrals, but all costs remain the cardholder's responsibility.

No evacuation or repatriation insurance. Travel & Emergency Assistance coordinates services only.

No trip interruption reimbursement for hotel or accommodation expenses.

No trip delay reimbursement for expenses incurred due to a delayed departure.

No missed connection benefit.

No early return coverage.

Maximum $300 total (3 days at $100/day)

Covers reasonable expenses when checked baggage is delayed more than 6 hours by a common carrier.

What's not covered

Carry-on bags
Delay caused by the cardholder

New York residents: $2,000 per bag instead of $3,000 per person

Reimburses for lost, damaged, or stolen luggage — both checked bags and carry-on — when carried by a common carrier.

No personal liability coverage abroad. Travel Accident Insurance covers accidental death or dismemberment only, not third-party liability.

No hotel theft protection.

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

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Coverage Radar

Where the Chase Instacart Mastercard 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

Instacart MastercardThis card1.0/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$167 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Chase Instacart Mastercard stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Instacart Mastercard shoppers also consider.

Card	This card Instacart Mastercard Chase · $0/yr 1.0/5?	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.

Card Benefit Services

1-800-350-1697

Covered under card benefits · 24/7

Travel & Emergency Assistance

1-800-350-1697

Service coordination only — all costs at cardholder's expense · 24/7

Benefit administrator: Card Benefit Services

Claims & pre-authorizations

How to file a claim

Call or go online

Contact Card Benefit Services at 1-800-350-1697 or visit chasecardbenefits.com within 60 days of the incident.

Gather documents

Collect your original receipt, the card statement showing the purchase, and documentation of the loss or damage.

Submit your claim

Submit your claim with all required documents. Response times vary by claim type.

Contact Card Benefit Services at 1-800-350-1697 or visit chasecardbenefits.com. You generally have 60 days from the incident to notify the administrator. Gather your original receipt, the card statement showing the purchase, and documentation of the loss or damage before calling.
Card Benefit Services handles insurance claims at 1-800-350-1697, available 24/7. For World Elite Mastercard concierge services, call 1-800-622-7747.
This card does not include travel medical insurance or trip cancellation coverage, so pre-existing condition clauses do not apply. There is no reimbursement for medical expenses abroad or trip cancellation due to health reasons.
The rental car CDW is secondary in the United States — your personal auto insurance pays first. Lost luggage and baggage delay coverage work directly through Card Benefit Services, with no personal insurance required to act first. There is no travel health insurance on this card.
The card excludes trip cancellation, trip interruption, emergency medical coverage abroad, trip delay reimbursement, missed connection benefits, and evacuation or repatriation. Travel & Emergency Assistance is available around the clock but coordinates services only — all resulting costs remain the cardholder's responsibility.
No. This card does not include trip cancellation or interruption coverage. For protection on non-refundable travel costs, you would need to purchase a separate travel insurance policy.
CDW is confirmed secondary in the United States. For international rentals, check your Guide to Benefits at chasecardbenefits.com, as coverage terms may differ by country.
Yes. New purchases are protected for 120 days against theft or accidental damage — 90 days for New York residents — up to $500 per claim and $50,000 per account per year. Keep your original receipt, as it is required when filing a claim.