Many Chase credit cards offer trip delay insurance that can reimburse you for expenses like food and lodging as long as you charge your airfare to your card.If your flight is delayed 12 hours (or 6 hours with select cards like the Chase Sapphire Reserve) or overnight, you could be eligible for up to $500 per passenger if you submit a claim.This benefit saved my family more than $1,500 in 12 months alone.Here's how to submit a claim online via Chase's partner Card Benefit Services.See Business Insider's list of the best travel rewards credit cards It's never fun to have a delayed flight. Not only is camping out in front of your gate a less-than-pleasant way to pass the time, but you could end up spending extra money on food, drinks, andif your flight is delayed overnighta hotel stay.If you book your travel with the right card, though, you can at least receive some money back for those unplanned expenses. Many Chase credit cards, in particular, offer trip delay reimbursement. I've used this benefit on my Chase Sapphire Reserve to recoup more than $1,500 in trip delay-related expenses over the course of a year.Keep reading to learn how Chase's trip delay reimbursement benefit works, and for the steps you'll need to follow if you ever need to submit a claim.Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.Chase cards with trip delay reimbursementTrip delay reimbursement can help cover your expenses in the case of a lengthy delay when you book your ticket with an eligible Chase card or using Chase Ultimate Rewards points.You'll find this coverage on the following Chase cards:Chase Sapphire Preferred Card ($95 annual fee)Chase Sapphire Reserve ($550 annual fee)Marriott Bonvoy Boundless Credit Card ($95 annual fee)The World of Hyatt Credit Card ($95 annual fee)United Explorer Card ($95 annual fee; waived the first year)United Explorer Business Card ($95 annual fee)United Club Card ($450 annual fee)This coverage is also available on the following Chase cards that are no longer open to new applicants:The Ritz-Carlton CardUnited MileagePlus Presidential PlusChase Ink Business PlusChase Sapphire CardWith the Chase Sapphire Reserve and the Ritz-Carlton card, your coverage will kick in after a six-hour delay, while with all other cards offer coverage for delays of 12 hours or longer (or overnight).How trip delay reimbursement coverage worksThis benefit does not cover reimbursement of prepaid expensesso, for example, if you paid in advance for a hotel room and you aren't able to use it because you got delayed overnight, you won't get reimbursed for the hotel reservation at your destination.Here's the description of this benefit from the Chase Sapphire Preferred guide to benefits:Covered Trip is a period of travel that doesn't exceed three hundred and sixty-five (365) days away from your residence to a destination other than your city of residence. A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking. A Common Carrier is any land, water, or air conveyance that operates under a valid license to transport passengers for hire and requires purchasing a ticket before travel begins. It does not include taxis, limousine services, commuter rail or bus lines, or rental vehicles.How to file a claim for Chase trip delay reimbursementChase outsources claims management to a third-party company calledCard Benefit Services. You can start a trip delay reimbursement claim by going to its website.As an example, this is the list that appears for Chase Sapphire Reserve cardholders. Select "Trip Delay" and click Next.The claim form begins by asking for your name and contact information.Once you've provided that information, you'll need to provide information about your flight and the reason for the delay.Once you've provided these details, then you'll be taken to a screen with a whole bunch of upload buttons to provide documentation. Not all of these will apply to every trip delay, and you may also be asked for additional documents not listed here.Your itineraryA statement from the airline (or other common carrier) saying why your flight was delayed or canceled. The easiest way to do this is to ask for a "Military Excuse" at the gate. Otherwise, you may need to send a note to your airline's customer service department asking for a statement.A charge receiptReceipts for your expenses. Anything you're seeking reimbursement for will require a receipt. You'll want itemized receipts rather than just credit card charge slips (though they will accept charge slips for meals under $50 per person)If you get to this final step and don't have all those documents available, don't despairyou can submit your claim without attaching documents, and come back to add them later or submit documents by email toeclaimsline@eclaimsline.com.In the next week or two, (it says five business days, but it's usually a bit longer) a claims examiner will review the documents you've submitted, and then you'll receive a letter (likely via email and US mail) outlining what additional documents you need, if any. Once they've received everything to their satisfaction, you'll get a message saying your claim has been approved and asking whether you want to receive your reimbursement via paper check or direct deposit. You should receive your funds within a few days of submitting that information.If they need more documentation, you'll have to take the time to gather those documents or make what you've already submitted more clear. I've had multiple back-and-forths with Card Benefit Services before my claim was approved, but it's always happened eventually. Sometimes, persistence is key!Click here to learn more about the best Chase credit cards More credit card coverageWhat's the best airline credit card'The best cash-back credit cardsSouthwest credit card reviewBest rewards credit cardsJoin the conversation about this storyNOW WATCH: How to find water when you're stuck in the desert
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