Travel insurance protects travelers from unexpected trip disruptions, cancellations, medical emergencies, lost baggage, delays, and more. If you’ve filed a travel insurance claim through the Chase Travel portal or you’re preparing to submit one, you may be wondering: How long does it take to process a travel insurance claim?
This comprehensive guide explains the entire process, factors affecting timelines, FAQs, and tips to get your claim approved faster.
Understanding Chase Travel Insurance Coverage
Using an eligible Chase credit card—such as the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or select co-branded cards—gives you access to travel protections, including:
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Trip Cancellation/Interruption
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Trip Delay Reimbursement
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Emergency Medical Coverage
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Rental Car Collision Damage Waiver
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Lost/Delayed Baggage Coverage
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Travel Accident Insurance
For help at any step, call Chase Travel Support at 1855-628-4230.
How Long Does It Take to Process a Travel Insurance Claim?
While timelines may vary depending on claim type and documentation, typical processing times are:
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5–30 business days for initial review
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1–2 weeks for additional documentation review
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2–4 weeks for final processing and reimbursement
Average total processing time: 3–6 weeks.
Medical-related claims or international incidents may take longer.
Breakdown of Claim Processing Stages
1. Claim Submission (Day 0–2)
You file a claim online with Chase’s insurance partner. Required documents may include receipts, itineraries, medical reports, cancellation notices, or police reports.
2. Initial Review (5–10 Business Days)
The insurer reviews your claim for eligibility and documentation completeness. Missing information may trigger a request for additional documents.
3. Supplemental Review (1–2 Weeks)
If additional documents are required, the review is paused until everything is received.
4. Final Processing (10–20 Business Days)
Once approved, reimbursement is issued. Total review time averages between 3–6 weeks.
Factors Affecting Claim Processing Time
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Completeness of documentation
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Claim type (medical claims take longer)
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Severity of incident
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Travel provider response times
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High-volume travel seasons
How to Speed Up Your Travel Insurance Claim
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File your claim immediately
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Upload all required documents at once
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Keep receipts and paperwork organized
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Respond quickly to insurer requests
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Ensure you use the correct claims portal for your Chase card
If unsure, call 1855-628-4230 for assistance.
What If Your Claim Is Delayed?
Claims may be delayed due to missing documents, travel provider delays, or high volume. Contact Chase Travel or your insurer to request a status update.
When to Expect Faster Approvals
Certain claims, like minor trip delays or baggage delays, may be approved within 7–14 business days if documentation is complete.
Common Mistakes That Slow Down Claims
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Filing too late
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Incomplete documentation
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Missing proof of delay or cancellation
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Blurry receipts or unclear PDFs
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Not proving the Chase card was used for the booking
FAQs About Chase Travel (Updated 2025)
1. Who processes Chase travel insurance claims?
A third-party insurance partner handles the claims. Check your card benefits guide for details.
2. How do I file a claim?
Submit your claim online through the insurer’s dedicated portal.
3. How long do I have to file?
Most Chase benefits require filing within 20–30 days of the incident.
4. How long does reimbursement take?
Usually 5–10 business days after final approval.
5. What documents are needed?
Receipts, itineraries, medical records, proof of loss, and proof of purchase using a Chase card.
6. Can I check my claim status online?
Yes, most claim portals offer real-time status tracking.
7. Who do I call for help?
Chase Travel Support: 1855-628-4230
Final Thoughts
Chase travel insurance claims typically take 3–6 weeks to process, depending on complexity and documentation completeness. To ensure faster reimbursement, file promptly and submit all required paperwork clearly and accurately.
For help understanding coverage or navigating the claims process, call Chase Travel Support at 1855-628-4230.