No trip cancellation coverage. This benefit is not included with this card. All prepaid and non-refundable travel costs are the cardholder's responsibility if a trip is cancelled for any reason.
Southwest priority card benefits: which insurance protections actually matter?
Chase·$229/year·Visa·Virginia Surety Company (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,4/5Independent review · verified June 2026
0,7
3,1
1,7
Our Verdict · Travel Insurance
Our opinion on Chase Southwest Rapid Rewards Priority Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Baggage delay pays. Trip cancellation does not exist. Here's what that gap means if Southwest cancels your flight for weather. The baggage delay benefit kicks in at 6 hours, pays up to $100 a day for three days, and covers clothes and toiletries. That's $300 maximum. Most cardholders assume their Southwest card covers them when a flight gets cancelled or a connection is missed. It does not. There is no trip cancellation benefit, no trip delay benefit, no missed connection coverage, and no emergency medical insurance anywhere in the Guide to Benefits. Premium travel cards at this annual fee range typically cover at least trip delay starting at 6 hours, with $500 or more for meals and lodging. If you fly Southwest for the Companion Pass and the anniversary points, this card earns its keep. If you expect it to protect you in a real travel disruption, you will need a separate travel insurance policy.
What works on travel
- Baggage delay up to $300 total: $100 a day for 3 days, triggers at 6 hours
- Lost luggage up to $3,000 per traveler on Common Carrier flights
- Travel Accident coverage up to $500,000 on Common Carrier flights
- Extended Warranty adds 1 year to eligible manufacturer warranties
Where travel breaks down
- No trip cancellation: prepaid flights, hotels, and tours are not reimbursed
- No trip delay: meals and lodging during any delay are out of pocket
- No emergency medical abroad: all hospital costs are the cardholder's responsibility
- No emergency evacuation: the card coordinates referrals only, cardholder pays all transport costs
- No missed connection coverage
- No trip interruption benefit
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 Southwest Rapid Rewards Priority Travel Insurance actually cover?
Quality, not just caps
No trip cancellation exists anywhere in this card's Guide to Benefits. A non-refundable Southwest vacation package worth $2,000 to $4,000 is fully at risk.
Travel and Emergency Assistance is a referral service, not insurance. An ER visit in Mexico or Canada runs $5,000 to $40,000. Every dollar is yours.
No emergency medical insurance. Travel and Emergency Assistance provides logistical referrals only. All medical costs, hospital fees, and treatment expenses are the cardholder's responsibility.
Medical evacuation by air ambulance from a remote destination costs $50,000 to $200,000. This card does not cover any portion of that bill.
No emergency evacuation coverage. Travel and Emergency Assistance can coordinate transportation logistics, but the cardholder pays all costs. Air ambulance services are not covered.
No trip interruption benefit. This card does not cover costs if a trip must be cut short due to illness, family emergency, or other covered events. All additional transportation costs are out of pocket.
An overnight hotel near a major airport costs $150 to $300. A weather delay of 18 hours with meals adds another $50 to $100. None of that is reimbursed by this card.
No trip delay benefit. This card does not cover delays of any length. Meals, lodging, and incidentals during a delay are entirely out of pocket.
No missed connection coverage. If a delay causes a cardholder to miss a connecting flight, the cost of rebooking is not covered by this card.
No early return home benefit. This card does not cover transportation costs for returning home early due to a family emergency, illness, or natural disaster.
Baggage must be checked with a Common Carrier Delay must be 6 or more hours Cardholder or immediate family member must be the ticket holder Claim must be filed within 20 days of incident Airline delay confirmation required with receipts
Covers essential purchases when checked baggage is delayed 6 or more hours by a Common Carrier. Reimbursement up to $100 per day for a maximum of 3 days, totaling $300. Eligible expenses include clothing, toiletries, and other personal items.
What's covered
- Clothing and toiletries
- Other essential personal items needed during delay
What's not covered
- Carry-on baggage
- Delays caused by the cardholder
- Items covered by the airline's own compensation
Electronics and cameras are capped at $500 per claim. A single stolen laptop above that value means the difference comes out of pocket.
Travel must be on a Common Carrier Airline loss report (PIR) must be obtained at time of incident Claim must be filed within 20 days of incident Carrier settlement must be pursued first (secondary coverage)
Covers lost, damaged, or stolen checked and carry-on baggage on Common Carrier travel. Benefit pays up to $3,000 per covered traveler. A $500 sub-limit applies to cameras and other electronic equipment. Coverage is secondary to any carrier settlement or other insurance.
What's covered
- Checked baggage lost, stolen, or damaged
- Carry-on baggage lost or stolen
- Clothing and personal items
- Electronics up to $500 sub-limit
What's not covered
- Perishables, plants, money, tickets, documents
- Fragile items unless professionally packed by the carrier
- Motorized vehicles
- Bicycles unless checked as baggage
- Musical instruments
Trip must be purchased with the Southwest Rapid Rewards Priority card Covered traveler must be a fare-paying passenger Claim must be filed within 20 days of incident
Covers accidental death or dismemberment while traveling as a fare-paying passenger. Common Carrier benefit: $500,000. 24-hour benefit: $100,000. Covers loss of life, limb, sight, speech, or hearing.
What's covered
- Loss of life
- Loss of limb (hand or foot)
- Loss of sight
- Loss of speech
- Loss of hearing
What's not covered
- Self-inflicted injuries
- Injuries resulting from illegal activities
- Illness or disease
No hotel or motel burglary coverage. This benefit is not included with this card. Personal property stolen from a hotel room is the cardholder's responsibility.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Chase Southwest Rapid Rewards Priority wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Southwest Rapid Rewards PriorityThis card1.4/5?
$229/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 Southwest Rapid Rewards Priority stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Southwest Rapid Rewards Priority shoppers also consider.
| Card | This card Southwest Rapid Rewards Priority Chase · $229/yr 1.4/5? | 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 | $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 | $500 after 6 hours Trigger: 6 hours | 4h / €500 Trigger: 4 hours | 6h / $500 Trigger: 6 hours or overnight | |
Rental CDW Primary or secondary | $60,000 Secondary in the US | Primary / $75,000 Primary coverage | Secondary / €2,000 Secondary — excess reimbursement | Primary / $75,000 Primary coverage |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Chase Southwest Rapid Rewards Priority
Real claim experiences from Reddit, FlyerTalk, and CFPB complaints 87 reviews
FR
FlyerTalk / r/creditcards
Baggage delay claim paid in 3 weeks, clean process
Used the baggage delay benefit when Southwest misrouted my bag to Denver instead of Boston. Filed online at chasecardbenefits.com, got reimbursed $287 for clothes and toiletries within 3 weeks. Process was straightforward: needed receipts and the airline delay report. Filed 8/12. Check arrived 9/3.
MF
myFICO Forums
No trip cancellation: learned the hard way
I genuinely thought my Southwest Priority card covered trip cancellation. It doesn't. Read the fine print: there is literally no trip cancellation benefit on this card. When my flight was cancelled due to weather, I was on my own for the hotel and rebooking fees. Southwest gave me a $100 travel credit. Chase paid nothing. Lesson learned.
RC
r/creditcards
Secondary CDW caused 6-month reimbursement ordeal
The CDW is secondary in the US. I didn't know that. I have no personal auto insurance since I don't own a car. In theory it acts as primary in that situation, but the rental agency still charged me upfront because they couldn't verify my insurance status before the damage. Took 6 months of back-and-forth with the benefit administrator to get reimbursed. Eventually got paid, but the process was brutal.
Emergency · Card assistance line
How to contact Chase Southwest Rapid Rewards Priority assistance?
US Assistance
1-800-349-2634
24/7
International Assistance
collect: 001-214-503-2951
Collect calls accepted · 24/7
Benefit administrator: Virginia Surety Company, Inc. (an Assurant company) for all insurance benefits
Claims & pre-authorizations
How to file a Southwest Rapid Rewards Priority claim
1
Step 1: Notify within 20 days
Call 1-800-349-2634 or go to chasecardbenefits.com to open your claim as soon as possible, within 20 days of the incident. International callers: dial 001-214-503-2951 collect. Have your card number and a description of the incident ready.
2
Step 2: Gather required documents
Collect all supporting documents based on your claim type. Baggage delay: airline confirmation of the delay plus original receipts for all essential purchases. Lost baggage: Property Irregularity Report (PIR) from the airline plus carrier settlement documentation. Rental CDW: rental agreement, accident report, repair estimate from the agency, and your personal auto insurance information. Purchase protection: original receipt and police report for theft claims.
3
Step 3: Submit your proof of loss
Upload all documents at chasecardbenefits.com or mail them to the address provided by the benefit administrator. Deadline: within 90 days of the incident for most claims. Rental CDW claims must be submitted within 100 days. Keep copies of all documents submitted. Reimbursement typically arrives within 2 to 4 weeks after approval.
FAQ
What people ask about the Chase Southwest Rapid Rewards Priority
- No activation is required. Southwest Rapid Rewards Priority travel and purchase protections are automatically available to cardholders. To use the baggage delay or baggage loss coverage, simply pay for your travel with the card. For the rental car CDW, decline the agency's own collision damage waiver at the counter and pay for the rental with the card. To file a claim for any benefit, call 1-800-349-2634 or visit chasecardbenefits.com within the required time window.
- The primary cardholder and immediate family members are generally covered for baggage benefits when traveling on the same itinerary. For the rental car CDW, coverage extends to the cardholder and any additional drivers listed on the rental agreement. Travel Accident Insurance covers fare-paying passengers traveling on a Common Carrier ticket purchased with the card. Authorized users on the account also receive these benefits when they use their card for travel purchases.
- Decline the rental agency's collision damage waiver at the counter and pay for the full rental with your card. The card then covers collision damage and theft up to $60,000 per incident. In the United States, coverage is secondary: your personal auto insurance pays first, and the card covers what remains. Outside the United States, coverage is primary, with no personal auto policy needed. Maximum rental period is 31 consecutive days. Claim must be filed within 100 days of the incident at chasecardbenefits.com.
- Go to chasecardbenefits.com or call 1-800-349-2634 within 20 days of the incident to open a claim. International callers can dial 001-214-503-2951 collect. Gather supporting documents: for baggage delay, you need the airline's written confirmation of the delay plus receipts for essentials purchased. For rental CDW, collect the rental agreement, accident report, and repair estimate. Submit all proof of loss within 90 days of the incident (100 days for rental CDW). Most reimbursements are processed within 2 to 4 weeks.
- This card does not cover trip cancellation, trip interruption, trip delay, missed connections, or emergency medical expenses abroad. The Travel and Emergency Assistance line provides logistical referrals only: all medical bills and evacuation costs are the cardholder's full responsibility. There is no cell phone protection, no price protection, no return protection, and no hotel theft coverage. For frequent international travelers or anyone concerned about medical emergencies, a separate travel insurance policy is necessary.
- Yes. This card does not include emergency medical insurance. Travel and Emergency Assistance can help locate a local doctor or hospital, but the card pays none of the bills. An ER visit in Mexico or Canada typically costs $5,000 to $40,000. A serious accident requiring air evacuation can reach $100,000 to $200,000. If you travel internationally with any regularity, a separate travel medical policy or annual travel insurance plan is essential. This card's Guide to Benefits does not include a medical benefit of any kind.
- No. This card does not include cell phone protection. If your phone is stolen, broken, or cracked, the repair or replacement cost is entirely out of pocket, regardless of whether you pay your monthly bill with the card. Several competing travel cards at lower annual fees do include cell phone protection with deductibles ranging from $25 to $100. If device coverage is important to you, this is a gap worth factoring into your card choice.
- No. There is no trip cancellation benefit on this card. If you need to cancel a Southwest flight or vacation package for illness, weather, or any other reason, the card provides no reimbursement for non-refundable costs. Southwest's own policies (including Wanna Get Away fares, which only receive travel credits) apply separately. To protect prepaid travel against cancellation, you would need to purchase a standalone travel insurance policy or use a card that includes trip cancellation as a benefit.
Not just Chase
Other cards worth considering
Southwest Rapid Rewards Priority is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
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Sapphire Reserve Business
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Ritz-Carlton
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Prestige
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