No trip cancellation coverage. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
Amazon Visa benefits: what does the insurance coverage actually include?
Chase·$0/year·Visa Signature·Virginia Surety Company (Assurant)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read
1,4/5Independent review · verified June 2026
0,6
3,5
1,7
Our Verdict · Travel Insurance
Our opinion on Chase Amazon Visa Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Baggage covered. No trip coverage. Here is what that gap means when a non-refundable itinerary falls apart. You are at the airport with a canceled flight and $4,000 in prepaid hotel nights ahead of you: amazon visa benefits do not include trip cancellation, and they never did. What the card covers: baggage delay at $100/day after six hours (up to $300 total), lost luggage up to $3,000 per traveler, and travel accident insurance up to $500,000 on a common carrier. Most cardholders assume these amazon visa perks extend to medical emergencies abroad. They do not. Travel and Emergency Assistance provides referrals only, and every dollar of any hospital bill is yours. Standalone travel insurance covers emergency medical from $100,000 per person for international trips. If your travel consists of domestic flights with minimal non-refundable costs, the baggage coverage is genuinely useful. If you are booking an international trip with prepaid hotels and tours, this card is not a travel insurance substitute.
What works on travel
- $3,000 lost luggage per traveler: covers both checked bags and carry-on, secondary to airline reimbursement
- $500,000 travel accident insurance on a common carrier: covers loss of life and dismemberment during covered trips
- Baggage delay at $100/day after 6 hours: up to $300 in essential purchases reimbursed with receipts
Where travel breaks down
- No trip cancellation: prepaid flights, hotels, and tours have no protection if you need to cancel
- No emergency medical abroad: all hospital costs are the cardholder's responsibility — a foreign ER visit runs $10,000 to $80,000
- No emergency evacuation: air ambulance from abroad can exceed $200,000 with zero coverage from this card
- No trip delay benefit: meals, hotels, and transportation during a delay are entirely out of pocket
- Baggage delay capped at $300 total: only 3 days at $100/day, which falls short of a multi-day disruption
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 Amazon Visa Travel Insurance actually cover?
Quality, not just caps
What's not covered
- All cancellation reasons are excluded — benefit does not exist on this card
No emergency medical coverage. Travel and Emergency Assistance provides referrals only. All medical costs abroad are the cardholder's responsibility. A single ER visit in Japan or Europe typically runs $10,000 to $80,000.
What's not covered
- No medical benefit exists on this card — Travel and Emergency Assistance is a referral service only, not insurance
No emergency evacuation or repatriation benefit. Travel and Emergency Assistance arranges logistics but covers none of the costs. Emergency transportation costs are entirely the cardholder's responsibility. A transoceanic air ambulance from Southeast Asia runs $200,000 to $300,000.
What's not covered
- No evacuation benefit exists on this card — Travel and Emergency Assistance arranges but does not pay for transport
No trip interruption coverage. This benefit is not included with this card. Costs from a trip cut short — return flights and unused hotels — are out of pocket.
What's not covered
- All interruption reasons are excluded — benefit does not exist on this card
No trip delay reimbursement. This benefit is not included with this card. Meals, lodging, and transportation during a delay are the cardholder's responsibility.
What's not covered
- Benefit does not exist on this card
No missed connection coverage. If a delayed inbound flight causes you to miss a connection, rebooking costs and expenses are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
What's not covered
- Benefit does not exist on this card
No early return benefit. This benefit is not included with this card. Additional transportation costs from cutting a trip short are not reimbursed. A last-minute one-way flight home can cost $800 to $2,000.
What's not covered
- Benefit does not exist on this card
Baggage delay must be reported to the Common Carrier before leaving the airport. Skipping this step is the most common reason claims are denied.
Covered traveler's checked baggage delayed or misdirected by Common Carrier for more than 6 hours from scheduled arrival Must report delay to the airline before leaving the airport Reiburses the cardholder and family members whose Common Carrier fare was charged to the card Coverage is secondary to any other applicable insurance or reimbursement
Covers essential personal items when your checked baggage is delayed or misdirected by the Common Carrier for more than 6 hours. Reimbursement is $100 per day for up to 3 days, capped at $300 total. Covered items include toiletries, a change of clothes, and chargers (one per device). You must report the delay to the airline before leaving the airport to remain eligible.
What's covered
- Toiletries and personal care items
- Clothing and footwear
- Phone and device chargers (one per device)
What's not covered
- Hearing aids
- Artificial teeth, dental bridges, or prosthetic devices
- Tickets, documents, money, securities, checks, and travelers checks
- Jewelry and watches
- Cameras, video recorders, and other electronic equipment
- Recreational equipment used for sports or hobbies
- Losses caused by war, insurrection, rebellion, or military acts
Loss or theft must be reported to the Common Carrier before leaving the airport or station — written confirmation required For checked baggage: coverage begins when baggage is checked in and ends when retrieved from the carrier pickup area For carry-on: coverage begins when the traveler boards and ends when the traveler exits the Common Carrier Coverage is secondary to Common Carrier reimbursement and any other valid insurance NY residents: $2,000 maximum per bag, $10,000 per trip
Reimburses the actual cash value of lost, damaged, or stolen checked baggage and carry-on bags when in the care of a Common Carrier. The maximum benefit is $3,000 per covered traveler per trip. Sub-limits apply: $500 for jewelry and watches, and $500 for cameras and electronic equipment. Coverage is secondary to the airline's reimbursement and any other applicable insurance.
What's covered
- Checked baggage lost, damaged, or stolen while in the care of the Common Carrier
- Carry-on baggage lost or stolen while on the Common Carrier
What's not covered
- Documents, valuable papers, or money
- Securities, checks, or travelers checks
- Tickets and furs
- Items removed from carry-on by the cardholder and inadvertently left on the Common Carrier
- Losses caused by war, insurrection, rebellion, or military acts
All or a portion of the Common Carrier fare must be charged to the covered card Coverage applies from Trip Departure Date through Trip Completion Date (max 31 days) Loss must occur within one year of the Accident Both Common Carrier and 24-Hour benefits cannot be paid for the same accident — only the larger applies
Pays a lump sum benefit if a covered traveler suffers accidental loss of life, limb, sight, speech, or hearing during a covered trip. The Common Carrier benefit is $500,000 per covered traveler; the 24-Hour Accident benefit is $100,000. Coverage applies to trips paid with the card from departure date through trip completion, up to 31 days. Loss must occur within one year of the accident.
What's covered
- Loss of life: 100% of applicable benefit
- Loss of both hands, both feet, both eyes, or combinations: 100%
- Loss of one hand, one foot, one eye, speech, or hearing: 50%
- Loss of thumb and index finger of the same hand: 25%
What's not covered
- Entering or exiting any aircraft while acting as pilot or crew member
- Emotional trauma, mental illness, pregnancy, childbirth, bacterial or viral infection, or surgical treatment
- Commission or attempted commission of any illegal act
- Engaging in a motorized vehicular race or speed contest
- Participating in any professional sporting activity for salary or prize money
- Suicide, attempted suicide, or intentionally self-inflicted injury
- War, undeclared war, civil war, insurrection, rebellion, or terrorist activities
- Commuting between a person's residence and regular place of employment
No hotel theft protection. Personal belongings stolen from your hotel room are not covered by this card. Electronics and valuables left in a hotel room can total $1,000 to $3,000 with no recourse if stolen.
What's not covered
- Benefit does not exist on this card
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Chase Amazon Visa wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Amazon VisaThis card1.4/5?
$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 Amazon Visa stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Amazon Visa shoppers also consider.
| Card | This card Amazon Visa Chase · $0/yr 1.4/5? | 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 | Secondary / $60,000 Secondary CDW (primary outside US) | 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.
Cardholder reviews
What cardholders say about the Chase Amazon Visa
Real experiences on rental protection and claims 89 reviews
RC
r/creditcards
Primary CDW abroad worked as advertised
I used my Amazon Visa for a rental in Europe and the CDW was primary. Declined the rental company's insurance, filed online at chasecardbenefits.com when there was a minor scratch. Got reimbursed in about 3 weeks. The process was straightforward once I had all the documents.
RP
r/personalfinance
Purchase protection denied for missing item
Purchase protection declined because they said the item mysteriously disappeared without evidence of wrongdoing. $400 item gone, zero coverage. The exclusion for unexplained disappearance is brutal and not obvious when you sign up.
FL
FlyerTalk
Secondary CDW made the US claim a four-month ordeal
Filed a rental claim after a fender bender in California. Because CDW is secondary in the US, I had to go through my personal auto insurer first, wait for their determination, then submit to Chase. Took nearly 4 months total. Works, but painful.
Emergency · Card assistance line
How to contact Chase Amazon Visa 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. (Assurant) for all benefits | chasecardbenefits.com
Claims & pre-authorizations
How to file an Amazon Visa claim
1
Step 1: Report immediately at the scene
For baggage claims, report the loss or delay to the airline before leaving the airport and get a written Property Irregularity Report. For rental car damage, document the damage, collect the repair demand letter, and keep the full rental agreement.
2
Step 2: File at chasecardbenefits.com
Visit chasecardbenefits.com or call 1-800-349-2634. Deadlines: rental CDW within 100 days of incident; baggage delay and lost luggage within 20 days; purchase protection and extended warranty within 90 days.
3
Step 3: Submit required documents
Required documents vary by benefit: card statement showing the charge, original itemized receipts, police or incident reports, airline property irregularity report, and rental agency demand letter. Documents must reach the administrator within: 365 days for rental, 90 days for baggage, 120 days for purchase protection.
FAQ
What people ask about the Chase Amazon Visa
- Most Amazon Visa travel benefits activate automatically when you book and pay for travel using your card. For baggage delay and lost luggage coverage, the Common Carrier ticket must be purchased with the Amazon Visa. For rental car CDW, decline the rental agency's collision damage waiver at the counter and pay the full rental with the card. No pre-registration is required. Travel and Emergency Assistance services are available at 1-800-349-2634 in the US or collect at 001-214-503-2951 internationally, 24 hours a day.
- Coverage extends to you as the primary cardholder and your family members, as defined in each benefit section. For baggage delay and lost luggage, covered travelers are you and your family members whose Common Carrier fare was charged to the card. For rental car CDW, coverage applies to you as the primary renter and any additional drivers listed on the rental agreement. For travel accident insurance, the covered traveler is you and your family members. The definition of family member varies by benefit — consult your Guide to Benefits for the specific definition that applies to each guarantee.
- The Amazon Visa offers secondary CDW (collision damage waiver) in the United States and primary CDW outside the US. Secondary in the US means your personal auto insurance pays first, and the card covers remaining costs up to $60,000. Outside the US, you file directly with Virginia Surety Company at chasecardbenefits.com without involving your personal insurer. To activate coverage in both cases, decline the rental agency's CDW at the counter and pay the entire rental with your Amazon Visa. Coverage applies to rentals up to 31 consecutive days.
- Claims are handled by Virginia Surety Company, Inc. (Assurant) at chasecardbenefits.com, or by calling 1-800-349-2634. Filing deadlines vary by benefit: rental CDW claims must be reported within 100 days of the incident, with documents submitted within 365 days. Baggage delay and lost luggage claims must be filed within 20 days, documents within 90 days. Purchase protection and extended warranty claims must be filed within 90 days of the loss or failure, documents within 120 days. Always report baggage issues to the airline and get written confirmation before leaving the airport — this is required for all baggage claims.
- The Amazon Visa does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or emergency evacuation. If you cancel a non-refundable trip for any reason, the card provides no reimbursement. Medical emergencies abroad are entirely your financial responsibility: Travel and Emergency Assistance provides referrals only, not payment. The rental car CDW excludes exotic and luxury vehicles, motorcycles, cargo vans, and rentals over 31 days. Purchase protection explicitly excludes items that mysteriously disappear without evidence of theft or damage.
- Yes, for most international trips or any trip with significant non-refundable costs. The Amazon Visa has no trip cancellation, no emergency medical, and no evacuation coverage. A medical emergency at a hospital abroad typically costs $10,000 to $80,000 out of pocket, and an air ambulance evacuation can exceed $200,000. The card's $3,000 baggage and travel accident coverage are useful but they do not replace a dedicated travel insurance policy for serious financial exposures. If you travel internationally or have non-refundable hotel and tour costs, consider supplementing this card with a standalone travel insurance plan.
- No, the Amazon Visa does not include cell phone protection. Theft or accidental damage to your smartphone is not covered under any benefit in the Guide to Benefits. Screen repair typically costs $150 to $500, and full device replacement for a flagship phone runs $800 to $1,300. The card's extended warranty benefit covers manufacturer defects on eligible items within the warranty period, but it does not substitute for dedicated phone protection.
- The Amazon Visa CDW excludes exotic and luxury vehicles, including Aston Martin, Bentley, Bugatti, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Pagani, and Rolls-Royce. It also excludes motorcycles, mopeds, motorbikes, limousines, trucks (other than pick-ups), cargo vans, recreational vehicles, and passenger vans seating more than 12 people including the driver. Vehicles with a MSRP over $125,000 or more than 20 years old are excluded. Rentals through peer-to-peer car sharing platforms and rental periods exceeding 31 consecutive days are also excluded.
- No, the Amazon Visa has no foreign transaction fees. Every purchase made abroad is billed at the standard network exchange rate with no additional percentage added by Chase. This makes the card a practical choice for international spending, especially combined with its primary CDW coverage outside the US. Keep in mind that the card has no trip cancellation or emergency medical coverage, so carrying separate travel insurance is still advisable for international trips.
- Yes. If your checked baggage is delayed or misdirected by the Common Carrier for more than 6 hours, the Amazon Visa reimburses essential purchases at $100 per day for up to 3 days, capped at $300 total. Covered purchases include toiletries, a change of clothes, and phone chargers. You must report the delay to the airline before leaving the airport and obtain written confirmation to remain eligible. File the claim at chasecardbenefits.com within 20 days of the delay and submit supporting documents within 90 days.
Not just Chase
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Amazon Visa is a strong choice — but depending on what you prioritize, one of these may suit you better.
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