Card benefits, read from the guide
Chase Sapphire Reserve for Business Lost Baggage: what you get and how long you have
Chase Sapphire Reserve for Business pays up to $500 ($100 a day) when your bag is delayed over 6 hours. Up to $3,000 if it is lost or damaged. File w… 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 Sapphire Reserve for Business covers: delays, cancellation, car hire
Trip delay pays up to $500 per traveller once a flight is delayed more than 6 hours or forces an overnight stay. You have 60 days from the delay to open the claim.
Quick answer
- Trip delay$500 after 6 hoursfile within 60 days
- Trip cancellation$10,000file within 20 days
- Baggage delay$500 after 6 hoursfile within 20 days
- Lost or damaged baggage$3,000file within 20 days
Everything the card covers
| Benefit | Pays up to | Per | File within |
|---|---|---|---|
| Auto rental damage | $75,000 | trip | 100 days |
| Trip cancellation | $10,000 | traveller | 20 days |
| Trip interruption | $10,000 | traveller | 20 days |
| Lost or damaged baggage | $3,000 | traveller | 20 days |
| Emergency medical | $2,500 | traveller | 90 days |
| Trip delay | $500 | traveller | 60 days |
| Baggage delay | $500 | traveller | 20 days |
What each one means in practice
Auto rental damage
Primary cover, which is rare. It pays before your own motor insurance rather than after, so you can decline the rental counter’s damage waiver without involving your insurer at all.
That applies to business rentals only. Rent for a holiday on this card and the cover drops back to secondary.
The entire cost has to go on this card. A partial payment does not qualify.
Trip cancellation
The limit is per person rather than per trip, so a family of four on one booking can reach $20,000 rather than $10,000. Four people at $10,000 each would come to $40,000, but the guide caps any one trip at $20,000.
Across a year this card pays at most $40,000 for this benefit, however many trips.
Trip interruption
The limit is per person rather than per trip, so a family of four on one booking can reach $20,000 rather than $10,000. Four people at $10,000 each would come to $40,000, but the guide caps any one trip at $20,000.
Across a year this card pays at most $40,000 for this benefit, however many trips.
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.
Emergency medical
The limit is per person rather than per trip, so a family of four on one booking can reach $10,000 rather than $2,500.
There is a $50 deductible.
Trip delay
Six hours is an unusually low threshold. Most cards start at twelve, including cards from the same issuer, so this one reaches delays the others miss.
An overnight stay counts even when the delay is shorter than that.
Air traffic control delays are not on the covered list, which catches people out because it is one of the most common reasons a flight runs late.
The limit is per person rather than per trip, so a family of four on one booking can reach $2,000 rather than $500.
Baggage delay
The limit is per person rather than per trip, so a family of four on one booking can reach $2,000 rather than $500.
It pays $100 a day for up to 5 days, not $500 at once.
Baggage has to be delayed more than 6 hours, measured from when you arrive rather than when the bag was checked.
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
Your deadlines
Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.
| Benefit | Open within | Documents within |
|---|---|---|
| Auto rental damage | 100 days | 365 days |
| Trip cancellation | 20 days | 90 days |
| Trip interruption | 20 days | 90 days |
| Lost or damaged baggage | 20 days | 90 days |
| Emergency medical | 90 days | 180 days |
| Trip delay | 60 days | — |
| Baggage delay | 20 days | 90 days |
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.