Chase has Trip Cancellation/Interruption Insurance on some of their cards and this post is not all inclusive.
The benefit can kick in as long as you used your card for a portion of the trip (or with rewards earned on a Chase card). Basically, if your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses if you have one of the following cards: Chase Sapphire Reserve, Chase Sapphire Preferred, United Club Card or the Chase Ritz Carlton Rewards card.
It is hard to find a Chase link giving the details of the coverage. I have copied the below from my Chase Sapphire Reserve account which provides more details as to the terms. The terms are the same for the $5k/$10k cards, just with the lower coverage amounts.
Benefit Overview
If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
The following information is a summary only. Please see your Guide to Benefits for complete details.
Additional Benefit Information
Trip Cancellation provides reimbursement if a covered loss prevents you from traveling on or before the departure date and results in cancellation of the travel arrangements.
Trip Interruption provides reimbursement if a covered loss on the way to the point of departure or after departure causes interruption of your covered trip. It can also provide reimbursement if a trip is postponed due to a covered loss and certain fees are incurred if a new departure date is set.
The information below applies to both benefits. Reimbursement can be provided for pre-paid, non-refundable travel expenses including passenger fares, tours and hotels.
Reimbursement is in excess of any travel insurance purchased, or reimbursement from the occupancy provider or common carrier such as airline, bus, cruise ship, or train
Who’s Covered
Cardholder
Immediate family members (even if the Cardholder is not traveling with them)
Coverage Amount/Period
Up to $10,000 per covered trip and a maximum limit of $20,000 per occurrence and a maximum benefit amount per 12-month period of $40,000
Examples:
A family of four charges a covered trip to their Chase card or pays with rewards earned on a Chase card for a covered trip that costs $6,000/person. If the family experiences a loss of $24,000 for the entire trip, the reimbursement would be $20,000, as that is the maximum limit per occurrence.
A Cardholder charges a covered trip to their Chase card or pays with rewards earned on a Chase card for a covered trip that costs $6,000. If the Cardholder experiences a loss of $4,000 for the trip, the reimbursement would be $6,000, as that is less than the maximum limit of $10,000 per covered trip.
What’s Covered
This is not an exhaustive list. Examples include:
Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion
Severe weather that prevents the start or continuation a covered trip
Terrorist action or hijacking
Jury duty or a court subpoena that cannot be postponed or waived
What’s Not Covered
This is not an exhaustive list. Examples include:
Travel arrangements canceled or changed by a common carrier, tour operator, or any travel agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation
Change in plans or financial circumstances
A pre-existing condition
Traveling against the advice of a physician
A declared or undeclared war
Trips that exceed 60 days in duration are not covered
Financial insolvency of the Cardholder’s travel agency, tour operator, or travel supplier
Important Claim Information and Timeframes
You, the Cardholder, must notify the travel supplier within 48 hours of receiving advice from a physician that travel is not medically advisable (Trip Cancellation only)
You must file a written claim within 20 days after the occurrence (or as soon as reasonably possible)
The Benefit Administrator will send you a claim form when you report your loss. You must submit a completed claim form with supporting documentation within 90 days from the date of occurrence (or as soon as reasonably possible)
Chase has Trip Cancellation/Interruption Insurance on some of their cards and this post is not all inclusive.