United Club Card Trip Insurance
$695/yr annual fee. 2 trip insurance benefits, with what each is worth and the limits that apply.
- Annual fee
- $695/yr
- Benefits
- 2
Trip Cancellation and Interruption Insurance
CoverageReimbursement for nonrefundable travel expenses when canceling due to illness, weather, or jury duty. Up to $10K per traveler.
Pro Tips
- 1Coverage is primary, meaning Chase pays first before other insurance
- 2Save all documentation immediately if you suspect you'll need to cancel
- 3File claims within 20 days of trip completion - shorter window than some cards
- 4Covers more than flights - hotels, tours, and prepaid activities included
Trip Delay Reimbursement
CoverageGet reimbursed for meals, hotel, and essentials when your travel is delayed 12+ hours or requires overnight stay. Up to $500 per traveler.
Pro Tips
- 1Keep all receipts during delays - meals, hotel, and transportation all count
- 212-hour threshold is longer than some cards (e.g., CSR at 6 hours)
- 3Coverage is per traveler, so family of 4 gets up to $2,000 total
- 4Can combine with airline compensation - Chase reimburses your unreimbursed expenses