Chase·$95/year·Visa Infinite·Virginia Surety Company (Assurant)
Our Verdict · Travel Insurance
Thin cancel. Medical gap. Here's what both mean for a frequent Air Canada traveler. The trip cancellation covers $1,500 per person across all prepaid travel: flights, hotels, prepaid tours. Partial payment of the fare with the card activates coverage for the full trip. Ten or more covered reasons apply, including illness, severe weather, jury duty, and terrorism, at zero deductible. The medical picture is different. $2,500 per traveler with a $50 deductible, reimbursement only: you front the bill first. At $95 per year, this is the expected trade-off. Standalone travel medical insurance starts at $100,000 per person for international trips. If you fly Air Canada regularly and mostly take short trips, the $1,500 trip cancel and $500 trip delay cover the scenarios that actually come up. If you travel internationally without separate health coverage, the $2,500 medical cap is where this card falls short.
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
Trip cancellation covers up to $1,500 per covered traveler and $6,000 per trip for non-refundable prepaid travel expenses when a trip is cancelled due to a covered reason. All prepaid travel is covered: flights, hotels, prepaid tours. Partial card payment activates coverage for the full trip. Coverage is secondary. File within 20 days at chasecardbenefits.com.
Recommended : $10,000
Emergency medical and dental coverage reimburses up to $2,500 per covered traveler per trip for emergency treatment received while traveling. A $50 deductible applies. Coverage is secondary and reimbursement only: you advance the full amount and file after the fact. After hospital discharge, $75 per day for up to 5 days toward hotel room recovery is also covered. File within 90 days at chasecardbenefits.com.
Recommended : $100,000
Emergency evacuation and transportation covers up to $100,000 for necessary emergency evacuation expenses when the covered traveler becomes seriously sick or injured while on a covered trip. Repatriation of remains is covered up to $1,000. Pre-authorization through the Emergency Evacuation and Transportation service provider is mandatory before any evacuation. Trips must be at least 5 days, no more than 60 days, and at least 100 miles from the traveler's primary residence.
Trip interruption covers up to $1,500 per covered traveler and $6,000 per trip for non-refundable prepaid travel expenses when a trip is cut short after departure due to a covered reason. Coverage also includes additional transportation costs to return to the point of origin. Coverage is secondary. File within 20 days at chasecardbenefits.com.
Recommended : $10,000
Trip delay reimburses up to $500 per covered traveler for reasonable additional expenses during a delay of more than 12 hours, or any delay requiring an overnight stay. Covered expenses include meals, lodging, toiletries, and medication. The delay must be caused by equipment failure, inclement weather, strike, or hijacking. Coverage is secondary. File within 60 days at chasecardbenefits.com.
No missed connection benefit. If a delayed inbound flight causes you to miss a connection, rebooking costs and expenses are not covered as a standalone benefit. Trip cancellation may cover missed connections that result in missing at least 20% of a scheduled trip.
No standalone early return benefit. Trip interruption reimburses non-refundable pre-paid costs and additional transportation up to $1,500 per person when a trip is cut short for a covered reason.
Baggage delay insurance reimburses up to $100 per day for essential purchases when checked baggage is delayed more than 6 hours by the Common Carrier, up to a maximum of 3 days ($300 total). Covered purchases include toiletries, clothing, and electronic device chargers. Coverage is secondary. File within 20 days at chasecardbenefits.com.
Lost luggage reimbursement covers up to $3,000 per covered traveler per trip for the actual cash value of baggage lost, damaged, or stolen by a Common Carrier. Coverage applies to both checked and carry-on baggage. Sub-limits: $500 for jewelry and watches, $500 for cameras and other electronic equipment. Coverage is secondary. Notify the airline before leaving the airport. File within 20 days at chasecardbenefits.com.
Travel accident insurance provides $1,000,000 for Common Carrier travel accident and $100,000 for 24-hour travel accident. For Common Carrier: accidental death or dismemberment while riding as a passenger on a commercial plane, train, ferry, or cruise ship. For 24-hour: any accident occurring while on a covered trip of 5 to 30 days. The card or Aeroplan miles must be used to purchase the fare.
No hotel theft protection. Personal belongings stolen from your hotel room are not covered as a standalone benefit. Purchase protection may cover items bought with the card if stolen within 120 days of purchase.
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 Aeroplan shoppers also consider.
| Card | This card Aeroplan Chase · $95/yr 3.2/5? | 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 | $1,500 per person All prepaid travel | $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 Reimbursement only | $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 | $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 |
Trip interruption Covered amount | $1,500 per person All prepaid travel | $10,000 per person Shared limit with cancellation | €5,000 per person 10% excess, max €50/claim | $10,000 per person All prepaid travel |
Data verified against each card's Guide to Benefits, May 2026.
Real experiences on travel protection and insurance claims 56 reviews
r/creditcards
Trip cancellation approved after medical emergency
Filed a trip cancellation claim after a family medical emergency. Submitted documents through chasecardbenefits.com. Got a decision in about three weeks and received $1,200 for non-refundable hotel costs. Process was manageable if you keep every receipt and have the physician documentation ready.
FlyerTalk / Chase forum
12-hour trip delay threshold is nearly useless
The 12-hour delay trigger is the real limitation. My flight was delayed 11 hours due to a crew shortage. Didn't qualify because crew shortages are not a listed covered cause. Trip delay covers exactly four hazards: weather, mechanical failure, strike, and hijacking. You need an official letter from the airline stating the cause before filing. Waited at the airport all night with no coverage.
r/aeroplan
Baggage delay limit runs out fast on a long trip
Baggage delay insurance covers $100 per day for 3 days. My bag was delayed for 5 days on an international trip. Got $300 for the first three days. Days four and five were entirely out of pocket. The cap sounds fine until you actually need it for a full week abroad. Report the delay to the airline before you leave the airport and get written confirmation or the claim will not be considered.
US Assistance
1-800-350-1246
24/7, 365 days
International Assistance
collect: 001-214-503-2952
Collect calls accepted · 24/7
Benefit administrator: Virginia Surety Company, Inc. (an Assurant company) for all travel and purchase protection benefits, effective October 2024
Claims & pre-authorizations
How to file a Chase Aeroplan claim
Step 1: Report and file as soon as possible
Visit chasecardbenefits.com or call 1-800-350-1246 to report the incident. For trip cancellation and interruption, notify within 20 days. For baggage delay and lost luggage, report to the airline before leaving the airport. For rental car damage, call no later than 100 days from the incident. For medical claims, file within 90 days of receiving care.
Step 2: Gather all required documents
For trip cancellation or interruption: travel itinerary, card statement showing the Common Carrier charge, documentation confirming the covered reason (medical records, physician statement, employer letter), and cancellation policies from each supplier. For baggage delay: written confirmation of the delay from the Common Carrier and itemized receipts. For rental car damage: accident report, both rental agreements, repair estimate and itemized repair bill, two photographs of the damaged vehicle.
Step 3: Submit all documents within the deadline
Return all requested documents within the applicable deadline: 90 days for most travel benefits, 120 days for rental car damage, 180 days for purchase protection and extended warranty. Virginia Surety Company, Inc. (Assurant) will notify you of their decision. If denied, request the specific reason in writing and address each point. File online at chasecardbenefits.com for fastest initial submission.
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