Trip cancellation and interruption are not covered by this card.
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 June 2026
0,7
1,5
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Our Verdict · Travel Insurance
Our opinion on Chase Instacart Mastercard Travel Insurance
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?
Quality, not just caps
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)
Baggage must be delayed 6 hours or more Must pay with the card Covers essential items like toiletries and clothing
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
Must pay for the trip with the card Loss or damage must be caused by the common carrier File a report with the carrier before claiming
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?
Coverage Radar
Where the Chase Instacart Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Instacart MastercardThis card1.0/5?
$0/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 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 |
Rental CDW Primary or secondary | Full replacement value | 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.
Emergency · Card assistance line
How to contact Chase Instacart Mastercard assistance?
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
1
Call or go online
Contact Card Benefit Services at 1-800-350-1697 or visit chasecardbenefits.com within 60 days of the incident.
2
Gather documents
Collect your original receipt, the card statement showing the purchase, and documentation of the loss or damage.
3
Submit your claim
Submit your claim with all required documents. Response times vary by claim type.
FAQ
What people ask about the 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.
- 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.
Not just Chase
Other cards worth considering
Instacart Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
Chase
Sapphire Reserve Business
Chase
Ritz-Carlton
Chase
Prestige
Citi
