Reimburses non-refundable prepaid travel expenses if your trip is cancelled or interrupted due to a covered reason.
What does the Chase United Club Infinite card actually cover?
Chase·$695/year·Visa Infinite·Virginia Surety Company, Inc. (an Assurant company)
3,2/5Independent review · verified July 2026
3,5
2,5
2,5
Our Verdict · Travel Insurance
Our take on travel insurance for the Chase Chase United Club Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The United Club Infinite is one of the strongest travel insurance packages available on a US credit card. Trip cancellation reimburses up to $10,000 per covered traveler when illness, weather, or another covered reason forces a cancellation. Trip delay kicks in after 12 hours with up to $500 per traveler for meals and lodging. Emergency evacuation covers transport to the nearest hospital and repatriation up to $1,000,000 when you are more than 100 miles from home on a trip of 5 to 60 days. The evacuation benefit must be coordinated through the card's service provider in advance. Baggage delay pays $100 per day for up to 3 days after a 6-hour wait. Lost luggage reimburses up to $3,000 per traveler. Travel Accident Insurance pays up to $500,000 on common carrier travel and $100,000 on 24-hour travel accidents. The main gaps are hospital fees abroad, which this card does not cover, and missed connections.
What works on travel
- Trip cancellation up to $10,000 per traveler for covered reasons including illness, weather, and death
- Trip delay coverage up to $500 per traveler after a 12-hour delay
- Emergency evacuation and transportation up to $1,000,000
- Baggage delay and lost luggage reimbursement both included
- Travel Accident Insurance up to $500,000 (Common Carrier) and $100,000 (24-hour)
Where travel breaks down
- No emergency medical coverage for hospital fees abroad
- No missed connection benefit
- Trip delay threshold is 12 hours, which is higher than some competing premium cards
- Emergency evacuation must be pre-authorized by the service provider or costs are not covered
- Pre-existing conditions excluded from trip cancellation (60-day look-back)
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 Chase United Club Infinite Travel Insurance actually cover?
Secondary coverage. Report the cancellation or interruption to your travel supplier immediately to avoid forfeiting refundable expenses.
What's not covered
- Change of plans or disinclination to travel
- Pre-existing conditions (60-day look-back period before booking)
- Pandemic or epidemic-related cancellations
- Trips longer than 60 days
- Pregnancy after the 26th week
- Travel booked for the purpose of obtaining medical treatment
Hospital fees and medical treatment costs abroad are not covered. Emergency Evacuation and Transportation arranges and covers transport to the nearest hospital, but does not reimburse medical bills.
If hospitalized for more than 8 days, the benefit can arrange and pay for an economy-class round-trip ticket for a relative or friend. Accompanying minors will also be returned home.
Covers emergency medical evacuation and transportation to the nearest hospital or back to your home, up to $1,000,000. In case of death, covers repatriation of remains up to $1,000.
What's not covered
- Evacuation not authorized in advance by the service provider
- Trips under 5 days or over 60 days
- Trips within 100 miles of primary residence
- Travel to countries under OFAC sanctions or US State Department travel warnings
- Self-organized evacuation or transportation
Secondary coverage. Notify your travel supplier immediately when interruption occurs.
Reimburses non-refundable expenses if your trip is interrupted due to a covered reason after departure.
What's not covered
- Pre-existing conditions (60-day look-back before booking)
- Pandemic or epidemic-related interruptions
- Trips over 60 days
Secondary coverage. Keep all itemized receipts. File a claim within 60 days of the delay.
Reimburses reasonable expenses during a flight or transit delay of more than 12 hours, or any delay requiring an overnight stay.
What's not covered
- Delays under 12 hours that do not require an overnight stay
- Delays not caused by a covered reason
No missed connection benefit. Trip Delay covers expenses during a delay of 12 hours or more, but does not specifically cover missed connection costs.
Rental vehicle return costs to the nearest agency are also covered under Trip Interruption.
Trip Interruption covers the cost of returning home early due to a covered reason, including illness, death of a family member, severe weather, or a terrorist incident.
Maximum $300 total (3 days at $100/day). Report the delay to the carrier before leaving the airport. Secondary coverage.
Covers emergency purchases of essential personal items when your checked baggage is delayed more than 6 hours by a common carrier.
What's not covered
- Carry-on baggage
- Hearing aids, prosthetic devices
- Jewelry, watches, cameras, electronic equipment
- Recreational equipment
- Documents, money, business samples
Sub-limits: $500 for jewelry/watches, $500 for cameras/electronics. New York residents: $2,000 per bag, $10,000 for all covered travelers per trip. Secondary coverage.
Reimburses the difference between actual cash value and carrier reimbursement for lost, damaged, or stolen checked or carry-on baggage.
What's not covered
- Items inadvertently left behind on the carrier
- Documents, money, securities, tickets, checks, furs
- Items covered under separate insurance or carrier reimbursement
No personal liability coverage abroad. Travel Accident Insurance covers accidental death or dismemberment only.
No hotel theft protection.
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 Chase United Club Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Stay Interrupt: above the market average
Baggage: above the market average
Evacuation: above the market average
Medical: not covered by this card
Compare
Chase United Club InfiniteThis card3.2/5?
$695/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 Chase United Club Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Chase United Club Infinite shoppers also consider.
| Card | This card Chase United Club Infinite Chase · $695/yr 3.2/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | Premium Rewards Elite Bank of America · $550/yr 3.2/5? | Sapphire Reserve Business Chase · $795/yr 3.7/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $10,000 / traveler | $10,000 per person 13 covered reasons | $2,500 per person Common Carrier fare only | $10,000 per person All prepaid travel |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $2,500 | $50 deductible $50 deductible | Not covered | $2,500 Reimbursement only |
Emergency evacuation Air ambulance + repatriation | $1,000,000 | $100,000 | pre-auth required Pre-authorization required | $50,000 Pre-authorization required | $100,000 Pre-authorization required |
Trip delay trigger Hours before benefits kick in | $500 / traveler | $500 after 6 hours Trigger: 6 hours | 6h / $500/ticket Trigger: 6 hours or overnight | 6h / $500 Trigger: 6 hours or overnight |
Trip interruption Covered amount | $10,000 / traveler | $10,000 per person Shared limit with cancellation | $2,500 per person Common Carrier fare only | $10,000 per person All prepaid travel |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Emergency · Card assistance line
How to contact Chase Chase United Club Infinite assistance?
Card Benefit Services
1-800-350-2919
Covered under card benefits · 24/7
Travel & Emergency Assistance
001-214-503-2953 (collect)
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 1-800-350-2919 or visit chasecardbenefits.com. Report most claims within 20 to 60 days of the incident, depending on the benefit.
2
Gather your documents
Collect your card statement (last 4 digits), travel itinerary, original receipts, and any carrier, police, or medical reports relevant to your claim.
3
Submit within the deadline
Submit all required documents within 90 to 365 days of the incident, depending on the benefit. Check the specific benefit section for exact deadlines.
FAQ
What people ask about the Chase Chase United Club Infinite
- Visit chasecardbenefits.com or call 1-800-350-2919. Reporting deadlines vary by benefit: 20 days for baggage and lost luggage, 60 days for trip delay, 90 days for purchase protection. Submit all documentation within 90 to 365 days depending on the benefit.
- Call 1-800-350-2919 in the United States, available 24/7. Outside the US, call collect at 001-214-503-2953. This number covers all benefits including emergency evacuation, travel assistance, and claims.
- Yes. The card reimburses non-refundable prepaid travel expenses up to $10,000 per covered traveler, $20,000 per trip, and $40,000 per 12-month period. Covered reasons include illness, severe weather, death of a family member, quarantine, military orders, and jury duty. Pre-existing conditions are excluded if they arose in the 60 days before booking.
- The CDW is primary worldwide: the card pays before your personal auto insurance in the US and everywhere else. The only exception is New York residents who carry personal automobile insurance, for whom coverage is secondary inside the United States. You must decline the rental company's own CDW to activate coverage.
- Yes. Emergency Evacuation and Transportation covers up to $1,000,000 in transport costs when you become seriously ill or injured more than 100 miles from home on a trip of 5 to 60 days. Evacuation must be authorized and arranged by the benefit's service provider in advance. The benefit does not cover hospital fees or medical bills.
- No. Emergency Evacuation covers the cost of transporting you to the nearest hospital or back to your home country, but does not pay hospital bills or medical treatment costs. Travel & Emergency Assistance provides 24/7 referrals to local doctors and hospitals, but all medical costs remain the cardholder's responsibility.
- The main exclusions are: hospital fees abroad (only transport covered), missed connections, hotel theft, and personal liability. Trip cancellation excludes pre-existing conditions, change of plans, pandemic or epidemic cancellations, and trips over 60 days. Emergency evacuation requires pre-authorization from the service provider.
- Yes. The card includes roadside assistance in the US and Canada, covering up to $50 per service event for a maximum of 4 events per year. Services include towing, tire change, battery jump-start, lockout (no key replacement), fuel delivery of up to 2 gallons, and winching. Charges above $50 are billed to the cardholder.
Not just Chase
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