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United Club Card

United Club Card Baggage Protection

$695/yr annual fee. 2 baggage protection benefits, with what each is worth and the limits that apply.

Annual fee
$695/yr
Benefits
2

Lost or Damaged Baggage Insurance

Coverage

Get reimbursed for lost, damaged, or stolen baggage contents with coverage up to $3,000 per traveler after airline reimbursement.

Pro Tips

  1. 1Always keep receipts for valuables in luggage to support claims
  2. 2Take photos of valuable items before packing as documentation
  3. 3File airline claim immediately - Chase coverage is secondary to carrier reimbursement
  4. 4Coverage applies to both checked and carry-on baggage

Baggage Delay Insurance

Coverage

Get reimbursed for essential purchases when your baggage is delayed over 6 hours. Up to $100 per day for up to 3 days.

Pro Tips

  1. 1Buy essentials immediately - coverage starts after 6 hours
  2. 2Keep receipts for everything purchased due to delay
  3. 3Coverage is per day, so spread purchases across days if delay extends beyond one day
  4. 4File claim promptly within 20-day window

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.