Chase Freedom Unlimited Visa Card Insurance Benefits 2025

The Chase Freedom Unlimited card is primarily known as a cash back card, but it also includes a selection of travel insurance and protection benefits. These protections can provide peace of mind and financial reimbursement in certain situations. It's important to remember that you must use your Chase Freedom Unlimited card to pay for the travel expenses to be eligible for coverage. Always refer to your card's official Guide to Benefits for the most current and detailed information.

Travel Insurance Card Freedom Unlimited Visa Chase

Before the trip

To ensure your travel protections are active, there are a few key steps to take before you depart. Proper planning ensures you meet the requirements for coverage should you need to file a claim.

• Pay with Your Card: Book your common carrier travel (like airline tickets, bus, train, or cruise ship) with your Chase Freedom Unlimited card to activate Trip Cancellation/Interruption Insurance.
• Rental Car Planning: If you plan to rent a car, you must initiate and complete the entire rental transaction with your card and decline the rental agency’s collision damage waiver (CDW/LDW).
• Know Your Coverage: Understand the limits of your insurance. For example, Trip Cancellation/Interruption Insurance provides reimbursement up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable passenger fares.
• Save Important Numbers: Keep the number for the Chase Benefits Administrator and Travel and Emergency Assistance Services saved in your phone or in a safe place.

During the trip

While you are traveling, the card’s benefits offer protection against common issues that may arise.

• Trip Interruption: If your trip is cut short due to a covered reason like sickness or severe weather, you can be reimbursed for the unused portion of your pre-paid, non-refundable travel expenses.
• Auto Rental Collision Damage Waiver: This benefit provides secondary coverage for most rental vehicles in the U.S. against damage due to collision or theft. This means it pays for costs not covered by your primary auto insurance. Outside the U.S., this coverage is often primary.
• Travel and Emergency Assistance Services: If you face an issue away from home, you can call a 24/7 hotline for help. This is a referral service that can connect you with local medical, legal, or transportation services. You are responsible for the cost of any services you use.

On site

If an incident occurs at your destination and you need to use your benefits, follow the correct procedures to file a claim.

• Notify the Benefits Administrator: In the event of a trip cancellation, interruption, or rental car incident, you should contact the benefits administrator as soon as possible to begin the claims process. There is typically a time limit for notification, often within 20-60 days of the incident.
• Gather Documentation: You will be required to provide evidence for your claim. This can include copies of your travel itinerary, receipts showing you paid with your card, medical documents, a police report (in case of theft), or any other relevant paperwork.
• Submit the Claim Form: You must complete and submit the official claim form provided by the administrator, along with all your supporting documentation, usually within 90-100 days of the incident.

The Chase Freedom Unlimited Visa card includes an Auto Rental Collision Damage Waiver (CDW) benefit. This provides reimbursement for damage due to collision or theft for most rental cars. For this benefit to apply, you must pay for the entire rental with your Chase Freedom Unlimited card and decline the rental company’s own collision damage waiver or similar provision.

Car Rental Insurance: Chase Freedom Unlimited

Rental Car Coverage Breakdown

Content Insurance Card Freedom Unlimited Visa Chase

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