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One of the lesser known benefits of the Chase Sapphire Preferred Card is that it actually offers baggage delay protection. Up until recently I haven’t had a need to use it, though during my trip to Brazil in November my carry-on was forced to be gate checked and subsequently lost, to the point that I didn’t have any clothes for several days.
So I called up the number on the back of my Chase Sapphire Preferred® Card to ask about the exact details of the luggage insurance policy. They connected me to the baggage delay benefits department, and told me to write down the direct phone number for future reference. Should any of you need to file a baggage delay claim in future, the number is (888) 320-9961.
The basic details of the benefit are as follows:
- You can be reimbursed up to $500 when some or all of the cost of a common carrier ticket is charged to your card (therefore award tickets are eligible if the taxes are charged to the card)
- You can be reimbursed a maximum of $100 per day for emergency purchases of essential items at a destination other than your current residence
- For tickets purchased before November 1, 2013, your first day for purposes of reimbursement begins 18 hours after you arrive at your destination
- For tickets purchased starting November 1, 2013, your first day for purposes of reimbursement begins six hours after you arrive at your destination
- The benefit is in excess to all other valid and collectible insurance
- You have to file your claim within 20 days and provide proof of loss within 90 days.
When you call the baggage delay benefits department you’ll eventually be connected to Crawford Insurance, which provides the baggage insurance benefit for the Chase Sapphire Preferred. They’ll ask you some basic questions and then send you a form via email that you have to fill out to begin the process.
Here’s what you need to provide to file the claim:
a. A copy of the credit card statement showing the charge for the common carrier fare (we must be able to see the first six digits of the credit card number and accountholder name. However, for security purposes we suggest that you remove or obscure the remaining credit card number(s));
b. Complete and return the enclosed claim form;
c. Proof of submission of the loss and the settlement results from the common carrier (Baggage Delay or Property Irregularity Report);
d. An itemized copy of the receipts for essential items purchased during the baggage delay;
e. a copy of the travel itinerary
The receipts must provide proof of the following:
- place of purchase
- date of purchase
- items purchased
Ultimately my bag was delayed three days (beyond the time needed for the “clock to start”), so I could have been reimbursed up to $300. I made $268 in purchases, and in my case my claim was settled within about a week of being filed. I received a check a couple of weeks later for the full amount requested.
Anyway, given that the Chase Sapphire Preferred® Card is already one of the best cards to put airfare spend on given the double points and no foreign transaction fees, so this is only another thing working in the card’s favor.