Chase Freedom Rise Visa Card Insurance Benefits 2025

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It is important to understand that the Chase Freedom Rise℠ card is designed primarily for building credit and offers very limited travel insurance benefits compared to more premium travel cards. The card does not include key protections like Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, or Baggage Delay Insurance.

Before the trip

When planning and booking your travels with the Chase Freedom Rise card, be aware of the following:

• No Trip Cancellation/Interruption Insurance: If your trip is cancelled or cut short for a covered reason, this card does not provide reimbursement for your prepaid, non-refundable travel expenses.
• Car Rentals: To be eligible for the Auto Rental Collision Damage Waiver, you must charge the entire cost of the car rental to your Chase Freedom Rise card and decline the rental company's own collision damage waiver (CDW/LDW).

During the trip

While you are traveling, the card offers a few specific protections.

• Auto Rental Collision Damage Waiver: This benefit provides coverage for damage due to collision or theft for most rental vehicles. Importantly, this coverage is secondary , which means it only applies to costs not covered by your primary personal auto insurance policy.
• Roadside Dispatch: You have access to a pay-per-use roadside assistance program. Services like towing, tire changing, or lockout service are available for a set fee per service call.

On site

When you are at your destination, the following services and protections are available.

• Travel and Emergency Assistance Services: This is a referral hotline, not an insurance policy. If you need help finding local medical, legal, or transportation services while traveling, you can call for assistance. You are responsible for paying for any services you use.
• Purchase Protection: This covers your new purchases made with the card for 120 days against damage or theft up to $500 per claim. This can be useful for souvenirs or other items you buy during your trip.
• No Medical or Evacuation Coverage: The Chase Freedom Rise card does not include any travel medical insurance or emergency evacuation coverage.

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| Insurances needed | Benefit | Coverage | Recommendation |

|------|------|------|------|

| Collision Damage Waiver (CDW) / Loss Damage Waiver (LDW) | Auto Rental Collision Damage Waiver | This benefit provides reimbursement for damage due to collision or theft. The coverage is secondary , meaning it applies after your personal auto insurance. It covers most private passenger vehicles. | Decline the rental company's CDW/LDW. You must charge the entire rental transaction to your Freedom Rise card and be the primary renter on the agreement. |

| Liability Insurance & Personal Injury | None | The card does not offer coverage for damage to other people's property, vehicles, or for medical costs for you or others involved in an accident. | You are still responsible for liability. Ensure you are covered by your personal auto policy, or consider purchasing the supplemental liability insurance offered by the rental agency. |

| Personal Effects Coverage (PEC) | None | The card does not cover theft or damage to your personal belongings inside the rental vehicle. | Check your homeowner's or renter's insurance policy, as it may provide coverage for personal items away from home. Otherwise, you would have to purchase this from the rental company. |

caption:Chase Freedom Rise Visa Rental Car Insurance Benefits

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