Chase·$350/year·Visa Signature·Virginia Surety Company (Assurant)
Our Verdict · Travel Insurance
Solid cancel within scope. No medical abroad. Here's what that gap actually costs on a United Quest trip. The trip cancellation covers up to $1,500 per person, but only for Common Carrier costs. Hotels, tours, and every non-airline prepaid charge are excluded, even for a covered reason like illness or severe weather. Most cardholders assume trip cancellation reimburses the full trip. The benefit terms reimburse only non-refundable fares charged to a Common Carrier. A $3,000 hotel deposit and an $800 pre-booked tour are out of pocket. Zero emergency medical coverage exists on this card. Every dollar of any hospital bill abroad is yours. A serious ER visit in Europe or Japan typically runs $10,000 to $60,000. Standalone travel insurance starts at $100,000 per person for emergency medical on international trips. The gap between that and the United Quest card benefits: $100,000. If your travel is primarily United flights with minimal prepaid hotel costs, the trip cancellation works within its scope. If you're traveling internationally without separate health coverage, the medical gap warrants a dedicated policy.
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
Quality, not just caps
A portion or the entire cost of the Common Carrier fare must be charged to the card or paid with redeemable Rewards Trip must not exceed 60 consecutive days Notify the benefit administrator within 20 days via chasecardbenefits.com or 1-800-350-2919 Submit all required documents within 90 days
Covers non-refundable Common Carrier fares up to $1,500 per person and $6,000 per trip if a trip is cancelled or interrupted due to a covered reason. Coverage applies to flights, trains, cruises, and other Common Carrier costs charged to the card. Hotels, tour operators, Airbnb, and other non-Common Carrier prepaid expenses are excluded. Pre-existing conditions within 60 days of the initial booking date are not covered.
Recommended : $10,000
No emergency medical coverage. Travel and Emergency Assistance provides referrals and coordination 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.
No emergency evacuation or repatriation insurance. Travel and Emergency Assistance arranges logistics but all transportation costs are the cardholder's responsibility. A transoceanic air ambulance from Southeast Asia runs $200,000 to $300,000.
Common Carrier fare must be charged to the card Notify the Common Carrier of the interruption as soon as possible Report to chasecardbenefits.com or call 1-800-350-2919
Covers non-refundable Common Carrier fares for a trip cut short due to a covered reason, up to $1,500 per person and $6,000 per trip. Also reimburses ground transportation up to $250 when a medical interruption requires transport to the airport or residence. Hotels and non-airline prepaid costs are excluded.
Recommended : $5,000
Common Carrier delay must exceed 12 hours or require an overnight stay Delay must be due to: equipment failure, inclement weather, strike, or hijacking A portion of the Common Carrier fare must be charged to the card File within 60 days at chasecardbenefits.com or call 1-800-350-2919 Submit documents within 100 days
Reimburses reasonable expenses during a Common Carrier delay exceeding 12 hours or requiring an overnight stay, up to $500 per Covered Traveler per trip. Covered expenses include meals, lodging, toiletries, and medication. Covered delay reasons are limited to equipment failure, inclement weather, strike, and hijacking. This benefit is secondary.
No missed connection coverage. If a delayed inbound flight causes you to miss a connecting flight, rebooking costs and additional expenses are not covered. Last-minute rebooking on a missed international connection can cost $300 to $800.
No standalone early return benefit. Additional transportation costs from cutting a trip short are not covered beyond what the trip interruption benefit reimburses (Common Carrier costs only, up to $1,500). A last-minute one-way flight home can cost $800 to $2,000.
Checked Baggage must be delayed more than 6 hours from scheduled arrival Delay must be reported to the Common Carrier before departing the airport A portion of the Common Carrier fare must be charged to the card File within 20 days at chasecardbenefits.com Submit documents within 90 days
Reimburses essential purchases when Checked Baggage is delayed more than 6 hours by a Common Carrier, up to $100 per day for 3 days ($300 maximum). Covered essentials include toiletries, a change of clothes, and chargers for electronic devices (one per device). The delay must be reported to the Common Carrier before leaving the airport. No coverage on the return leg.
Loss must be reported to the Common Carrier before leaving the airport File within 20 days at chasecardbenefits.com Submit documents within 90 days
Reimburses actual cash value for Checked Baggage and Carry-On Baggage lost, damaged, or stolen while in care of a Common Carrier, up to $3,000 per Covered Traveler per trip. A $500 sub-limit applies separately to jewelry and watches, and a separate $500 sub-limit applies to cameras and electronic equipment. Report the loss to the Common Carrier before leaving the airport.
Common Carrier fare must be charged to the card Loss must occur within one year of the Accident Coverage begins on Trip Departure Date and ends on Trip Completion Date
Pays a lump-sum benefit for accidental loss of life, limb, sight, speech, or hearing during a covered trip. Common Carrier Travel Accident pays up to $500,000 per Covered Traveler. Twenty-Four Hour Travel Accident pays up to $100,000 for trips up to 30 days. Benefits: 100% for loss of life or multiple limbs/senses, 50% for single limb/sight, 25% for thumb and index finger.
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.
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 United Quest shoppers also consider.
| Card | This card United Quest Chase · $350/yr 2.4/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | Prestige Citi · $495/yr 3.5/5? | Sapphire Reserve Business Chase · $795/yr 3.7/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $1,500 per person Common Carrier costs only | $10,000 per person 13 covered reasons | $5,000 per trip Hotels + flights covered | $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 | Not covered Cover this gap → | $100,000 | pre-auth required Pre-authorization required | $100,000 | pre-auth required Pre-authorization required | $100,000 Pre-authorization required |
Trip delay trigger Hours before benefits kick in | 12h / $500 Trigger: 12 hours or overnight stay | $500 after 6 hours Trigger: 6 hours | $500 after 3 hours Trigger: 3 hours | 6h / $500 Trigger: 6 hours or overnight |
Rental CDW Primary or secondary | Primary / $60,000 Primary coverage worldwide | Primary / $75,000 Primary coverage | Primary / $75,000 Primary coverage | Primary / $75,000 Primary coverage |
Data verified against each card's Guide to Benefits, May 2026.
Real experiences on travel protection and claims 42 reviews
r/creditcards
CDW coverage worked, zero hassle
A fender bender on day three. We didn't buy CDW. We paid nothing. The card covered it.
r/CreditCards
12-hour trigger is the real limitation
The 12-hour trigger is the real limitation. My flight was delayed 11.5 hours and I didn't qualify.
CFPB complaint (Chase Virginia Surety)
Written proof required, verbal confirmation not enough
Claim declined because I lacked a 'flight cancellation' email. Chase Travel verbally confirmed the cancellation, but the benefit department required written proof.
US Assistance
1-800-350-2919
24/7
International Assistance
collect: 001-214-503-2953
Collect calls accepted · 24/7
Benefit administrator: Virginia Surety Company, Inc. (an Assurant company) for all travel and purchase protection benefits
Claims & pre-authorizations
How to file a United Quest card claim
Step 1: Report within 20 days
Visit chasecardbenefits.com or call 1-800-350-2919 as soon as the incident occurs, no later than 20 days after. If outside the US, call collect at 001-214-503-2953. Do not wait, late reporting can reduce or void your claim. For trip delay, the deadline to file is 60 days.
Step 2: Gather documentation
Depending on the benefit, collect: travel itinerary, Covered Card Account statement showing the Common Carrier fare, written confirmation from the carrier stating the covered reason, itemized receipts for all claimed expenses, police or carrier report if applicable, and any settlement or denial from the Common Carrier.
Step 3: Submit all documents within 90 days
Submit the complete documentation package to chasecardbenefits.com within 90 days of the incident (100 days for trip delay). Once all required documents are received, expect a response within approximately 7 business days. If denied, request the specific denial reason in writing and appeal with point-by-point documentation.
United Quest is a strong choice — but depending on what you prioritize, one of these may suit you better.
Sapphire Reserve
Chase
Sapphire Reserve Business
Chase
Ritz-Carlton
Chase
Prestige
Citi
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