Card benefits, read from the guide
Chase United Quest Baggage Delay: what you get and how long you have
Chase United Quest 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. File within 20 days. 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 United Quest covers: delays, cancellation, car hire
Trip delay pays up to $500 per traveller once a flight is delayed more than 12 hours or forces an overnight stay. You have 60 days from the delay to open the claim.
Quick answer
- Trip delay$500 after 12 hoursfile within 60 days
- Trip cancellation$1,500file within 20 days
- Baggage delay$300 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 |
|---|---|---|---|
| Travel accident | $500,000 | traveller | 20 days |
| Auto rental damage | $60,000 | incident | 100 days |
| Lost or damaged baggage | $3,000 | traveller | 20 days |
| Trip cancellation | $1,500 | traveller | 20 days |
| Trip interruption | $1,500 | traveller | 20 days |
| Trip delay | $500 | traveller | 60 days |
| Baggage delay | $300 | traveller | 20 days |
What each one means in practice
Travel accident
The limit is per person rather than per trip, so a family of four on one booking can reach $2,000,000 rather than $500,000.
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.
The entire cost has to go on this card. A partial payment does not qualify.
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.
You have to report it to the airline before leaving the airport, and keep their report. Without it the claim will not be considered.
Trip cancellation
The limit is per person rather than per trip, so a family of four on one booking can reach $6,000 rather than $1,500.
Trips longer than 60 days are outside the cover entirely.
Trip interruption
The limit is per person rather than per trip, so a family of four on one booking can reach $6,000 rather than $1,500.
Trips longer than 60 days are outside the cover entirely.
Trip delay
Twelve hours is the common threshold. A delay of six or eight hours, which is long enough to ruin a day and cost real money, does not reach it.
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 $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.
You have to report it to the airline before leaving the airport, and keep their report. Without it the claim will not be considered.
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
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 |
|---|---|---|
| Travel accident | 20 days | 90 days |
| Auto rental damage | 100 days | 365 days |
| Lost or damaged baggage | 20 days | 90 days |
| Trip cancellation | 20 days | 90 days |
| Trip interruption | 20 days | 90 days |
| Trip delay | 60 days | 100 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.