What benefits does the Chase Aeroplan card actually include?

Most Aeroplan travel insurance benefits activate automatically when you charge all or a portion of your Common Carrier fare to the card, or use your Aeroplan miles for the booking. No enrollment and no pre-trip registration call is required. For rental car coverage, you must charge the entire rental to the card and decline the agency's collision damage waiver at the counter. For purchase protection and extended warranty, the item must be purchased with the card at point of sale. Coverage extends to the cardholder and Immediate Family Members as defined in the Guide to Benefits.

Coverage extends to you as the primary cardholder and your Immediate Family Members: your spouse or Domestic Partner and legally dependent children under 26. Family Members traveling on the same trip are covered even when the cardholder is not traveling. For trip delay, baggage, and travel accident benefits, Covered Travelers do not need to be physically traveling with you for coverage to apply. For rental car CDW, coverage extends to you as the primary renter and any authorized drivers listed on the Rental Car Agreement.

The Aeroplan rental car benefit is secondary collision damage waiver (CDW) coverage: it reimburses costs for damage or theft to a rental vehicle after your personal auto insurance pays first. To activate it, charge the entire rental to the card and decline the rental agency's CDW at the counter. Coverage applies worldwide with no named country exclusions, for rentals up to 31 consecutive days. The card does not cover personal liability, personal injury, or damage to other vehicles in a collision. If the rental agency requires a letter of coverage, call 1-800-350-1246 before picking up the vehicle.

File through chasecardbenefits.com or call 1-800-350-1246 (internationally: collect 001-214-503-2952). The benefit administrator is Virginia Surety Company, Inc., an Assurant company. For trip cancellation and interruption, notify within 20 days and submit all documents within 90 days. For baggage delay, file within 20 days. For rental car damage, call within 100 days. Have your card statement, travel itinerary, and documentation confirming the covered reason ready before filing.

The four most impactful gaps: emergency medical above $2,500 abroad, trip delay caused by crew shortages, trip cancellation above $1,500 per person, and cell phone damage or theft. The rental CDW is secondary everywhere, so your personal insurer is involved in any accident claim. Purchase protection is capped at $500 per item. Pre-existing conditions are excluded from trip cancellation and interruption with a 60-day lookback period. Trip delay requires a 12-hour delay or an overnight stay, and the cause must be on the covered list.

Yes, for international travel. The Aeroplan card covers emergency medical expenses up to $2,500 per traveler with a $50 deductible, and pays by reimbursement only: you advance the full amount and file afterward. A standard ER visit in Europe or Japan typically costs $10,000 to $80,000. The $2,500 limit covers a clinic visit or minor treatment, not a serious accident or hospitalization. Standalone travel health insurance covering $100,000 per person typically starts at $30 to $80 for a one-week international trip.

You pay first. The emergency medical benefit is reimbursement-only: you advance the full cost of treatment, then file for reimbursement with a $50 deductible applied per traveler per trip. The card does not issue guarantee letters to hospitals or pay providers directly. File within 90 days of receiving medical care at chasecardbenefits.com or by calling 1-800-350-1246. Bring your itemized medical bills, the card statement showing the Common Carrier charge, and any settlement documents from other insurance sources.

Cell phone protection is not included with this card. Damage, theft, or screen breakage on your phone is not a covered event under any section of the benefits. Purchase protection does cover new items bought with the card against damage and theft within 120 days, but only if the phone itself was purchased using this card within that 120-day window. Monthly wireless bill payments do not activate any coverage. For a $95 annual fee card, this absence is typical for the tier.

Yes, pre-authorization is mandatory. Any emergency evacuation not authorized and arranged in advance through the Emergency Evacuation and Transportation service provider is entirely your responsibility and will not be reimbursed. Call 1-800-350-1246 in the United States or 001-214-503-2952 collect internationally the moment a medical evacuation becomes necessary. The attending physician must certify the medical necessity, and the service provider will arrange the most direct transport. Trips less than 5 days or within 100 miles of your primary residence are not eligible.