Card benefits, read from the guide

Chase Ink Business Unlimited travel insurance: what it actually covers

The largest benefit on this card is auto rental damage, at up to $60,000 per incident, filed within —.

Every figure below is read from Chase’s own Guide to Benefits, BGC11375_v2, read on 2026-07-28. Not from a comparison site.

Everything the card covers

Chase Ink Business Unlimited travel benefits, amounts and filing deadlines
Benefit	Pays up to	Per	File within
Auto rental damage	$60,000	incident	—
Lost or damaged baggage	$3,000	traveller	—
Baggage delay	$300	traveller	—

The deadline is the part most people miss. Comparison sites publish the amounts and stop there. A benefit is worth nothing the day after its window closes, and nobody sends you a reminder.

What each one means in practice

Auto rental damage

The entire cost has to go on this card. A partial payment does not qualify.

Primary when rented for commercial or business purposes; secondary when rented for personal reasons. Vehicles over $125,000 MSRP excluded; rentals over 31 consecutive days excluded.

Lost or damaged baggage

The limit is per person rather than per trip, so a family of four on one booking can reach $12,000 rather than $3,000.

Sub-limits apply: $500 for jewelry and watches and $500 for cameras and electronics. Those come out of the total rather than sitting on top of it.

Baggage delay

The limit is per person rather than per trip, so a family of four on one booking can reach $1,200 rather than $300.

It pays $100 a day for up to 3 days, not $300 at once.

Baggage has to be delayed more than 6 hours, measured from when you arrive rather than when the bag was checked.

What this card does not cover

Confirmed absent, not merely unlisted. This card carries no trip delay, trip cancellation, trip interruption and emergency medical. That comes from the issuer’s own eligible-cards list rather than from an assumption, which matters because several well-known comparison sites publish figures for benefits the issuer does not list at all.

Had a delayed flight on this card? Check it against both the federal rules and these benefits. Free, no account, answer on the page.

Check a flight against this card

Filing a claim

Claims are handled by Virginia Surety Company, Inc. (Assurant), not by Chase directly. Open the claim at chasecardbenefits.com or call 1-800-349-4814.

Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.

Other cards

Chase Ink Business Cash Chase Ink Business Preferred Chase Sapphire Preferred Chase Sapphire Reserve All cards

Source. Chase Guide to Benefits BGC11375_v2, effective 10/01/24, read in full on 2026-07-28. Benefits change, and the guide in your own account is what governs your claim. If a figure here disagrees with yours, tell us and we will read it again.