Card benefits, read from the guide
Chase Ink Business Unlimited Lost Baggage: what you get and how long you have
Chase Ink Business Unlimited pays up to $300 ($100 a day) when your bag is delayed over 6 hours. Up to $3,000 if it is lost or damaged. Below: the exact trigger, what counts as an essential item, who is covered, and the deadline — read from Chase’s own benefits guide.
Everything else Chase Ink Business Unlimited covers: delays, cancellation, car hire
The largest benefit on this card is auto rental damage, at up to $60,000 per incident, filed within —.
Quick answer
- Baggage delay$300 after 6 hours
- Lost or damaged baggage$3,000
- Auto rental damage$60,000
Everything the card covers
| Benefit | Pays up to | Per | File within |
|---|---|---|---|
| Auto rental damage | $60,000 | incident | — |
| Lost or damaged baggage | $3,000 | traveller | — |
| Baggage delay | $300 | traveller | — |
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
Had a delayed flight on this card? Check it against both the federal rules and these benefits. Free, no account, answer on the page.
How to file a claim
Who handles it
Virginia Surety Company, Inc. (Assurant)
Not Chase directly. Calling the number on the back of your card will usually get you transferred.
Start a claim at chasecardbenefits.com →
Or call
What to keep
- The airline’s written explanation of the delay or cancellation.
- Your card statement showing the fare was paid on this card.
- Itemised receipts for everything you are claiming.
- The original itinerary, including the flight numbers and dates.