Lost or Delayed Luggage? How Chase Sapphire Cardholders Can File a Claim

Traveling can be stressful and gets more complicated if you arrive without your luggage. Whether your bags are delayed or lost, filing a claim with your Chase Sapphire Preferred^® Card, Chase Sapphire Reserve^®, or Sapphire Reserve for Business℠ can help. It won’t get your bag back, but you can get reimbursed for replacement items or necessary expenses to make a bad situation a little better.

These Chase Sapphire cards offer excellent travel protection benefits, including baggage protection, that apply when you use your card or Chase Ultimate Rewards points to pay for your travel. It pays to know your benefits and how to file your claim successfully.

Our step-by-step guide explains your Chase Sapphire baggage delay and lost luggage benefits, how and when to file, and how to get reimbursed for lost or delayed luggage.

Chase Sapphire Lost and Delayed Baggage Benefits

Whether you use the Chase Sapphire Preferred card, the Chase Sapphire Reserve card, or the Chase Sapphire Reserve Business card, you have the same coverage for lost or delayed bags. Coverage applies when you use your card or Chase Ultimate Rewards points to pay for your airfare.

Lost luggage benefits apply when your luggage is determined lost by the carrier and you’re not expected to get it back. You can file a lost luggage claim to get reimbursement for lost items in your bags. This coverage typically applies to checked bags but can also be used for carry-on bags. You can get up to $3,000 back per person, per trip, but there’s a $500 sub-limit for jewelry and watches, and another $500 sub-limit for cameras and electronics.

Your baggage delay benefits apply when your bags arrive at your destination at least 6 hours late. At that point, you can purchase essentials until you’re reunited with your bag. These include toiletries, a change of clothes, and electronic device chargers. You can be reimbursed for up to $100 per day for up to 5 days.

There are limitations and exclusions, including items that aren’t covered, such as valuable documents, and specifically excluded health items, such as hearing aids. Baggage delay coverage doesn’t apply on your return trip. Presumably, you’ve made it home and can use alternative items.

Benefits apply to the cardholder, your spouse or domestic partner, and immediate family members.

Coverage is secondary to claims made with the common carrier. That means you can use your card’s benefits to get reimbursement for expenses beyond what the carrier provides as a refund, credit, or voucher.

Here’s an overview of each benefit, when it applies, and what’s covered or excluded:

Overview of Chase Sapphire Cards

With identical coverage, the Chase Sapphire Preferred card offers excellent value for lost and delayed baggage limits, considering it only has a $95 annual fee. The Chase Sapphire Reserve card has a $795 annual fee, and the Chase Sapphire Reserve Business card has a $795 annual fee. Each of the cards has compelling features.

Let’s see what these cards offer beyond baggage protection:

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 20.24% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

18.49% - 26.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: 18.49% - 26.49% Variable
• Foreign Transaction Fees: None

Bottom Line:

All of the Chase Sapphire cards deliver excellent value, especially in terms of travel protection benefits. A single baggage delay or lost luggage claim could pay out more than your annual fee.

How To File a Baggage Delay or Lost Luggage Claim

You can file a claim by visiting chasecardbenefits.com or by calling the benefits administrator at 800-350-1362 for the Chase Sapphire Preferred card and Chase Sapphire Reserve card or 800-352-2173 for the Chase Sapphire Reserve Business card. Claims must be filed within 20 days of your baggage being lost or delayed.

If you file a claim online, you’ll sign in to your account with the benefits administrator. If you don’t have an account yet, select Verify Card & Register to set one up.

Once in the claim dashboard, you can click File a Claim to enter your details.

Next, you’ll select which card you want to use to make a claim. You’ll see a list of multiple cards if you’ve previously submitted claims on other Chase cards.

You’ll see a list of benefits, including travel benefits. From here, you’ll select baggage delay insurance — which includes misdirected baggage — or lost luggage reimbursement.

Filing a Baggage Delay Claim With Chase

When you file a baggage delay claim, you’ll select the date of purchase (when you purchased your travel ticket) and the incident date (when your baggage was delayed).

Hot Tip:

You must submit your claim within 20 days of the incident date, but the earlier, the better.

Next, you’ll indicate the type of loss — whether your baggage was delayed or misdirected. A baggage delay applies when your baggage doesn’t arrive on time, and baggage misdirection applies when your baggage is sent to the wrong place. If you’re not sure which to choose, baggage delay is the more general term and applies to most situations.

You’ll be presented with a list of documents required to submit your claim. These include:

• Your travel itinerary that shows you paid for it with your Chase Sapphire Preferred card, Chase Sapphire Reserve card, or Chase Sapphire Reserve Business card
• Confirmation of the baggage delay from the common carrier
• Other claim settlement details (such as compensation received from the airline)
• Itemized sales receipts for purchases
• Your monthly billing statement that shows your name and address, the last 4 digits of your account number, and proof of payment for your fare with your card

You can also upload other documents, such as correspondence with the carrier.

Next, fill out your contact information. The benefits administrator will use this information to contact you about your claim.

Choose how you’d like to be paid if your claim is approved. You can select mail or ACH, but ACH will be faster. You don’t need to fill out your banking information at this point. You’ll get a request for banking information after your claim is approved.

Add details about the baggage delay, including whether it was delayed or misdirected, what happened, and the date of purchase and incident date. You’ll confirm that you used your Chase Sapphire Preferred card, Chase Sapphire Reserve card, or Chase Sapphire Reserve Business card to purchase the fare. Then, enter the amount you’re claiming, which should be for the delay expenses incurred.

Next, upload documents. First, you’ll upload your baggage delay confirmation, itemized sales receipts for essentials, and your monthly billing statement with the purchase amount.

You’ll also upload your other claim settlement details from the common carrier and your travel itinerary. You can upload more documents if applicable.

Once you’ve uploaded documents, you’ll get a confirmation screen with your claim information, including the purchase date, claim type, contact information, and payment preferences.

Keep going to confirm the loss and benefit information, including the baggage delay details, dates, and claim cost.

Finally, you’ll review and agree to the terms and conditions and fraud disclosure. Make sure you scroll to read it all, or you won’t be able to check the box. Then, hit the submit button to file your claim.

Filing a Lost Luggage Claim With Chase

The process to file a lost luggage claim is almost identical to filing a delayed baggage claim. Once you’ve logged in to the claims dashboard and selected lost luggage as your claim type, establish the date you purchased the fare and the date your baggage was lost.

Then, you’ll choose a loss type, indicating whether it was damaged, lost, stolen, or another type of loss. If you’re not sure which type of loss applies, click on the loss type description link to see a pop-up explaining them.

Just as you would with a baggage delay claim, you’ll be required to upload documents for your lost luggage claim, including your travel itinerary, monthly billing statement with the purchase amount of your fare, common carrier claim details documenting the loss, your original sales receipt, itemized sales receipts for replacement items, and other claim settlement details such as a settlement payment.

Fill out your contact information, including your phone and email, and indicate whether you prefer to be contacted by phone or email. The benefits administrator will use this information to contact you about your claim.

After completing the basics, you’ll enter details about the loss, explaining the loss type and what happened. You’ll also confirm the transaction and incident dates and whether you used your card or the rewards program associated with your card. Then, you’ll enter the cost being claimed.

Then, you can upload required documents, including confirmation that you filed a claim with the common carrier for lost luggage, your itemized sales receipts for replacement items, and a monthly billing statement showing the fare purchase. If you don’t have these documents ready when you submit the claim, you can upload them later, but you must provide them for claims processing.

Additional documents include the original sales receipt for the items in your luggage that were lost, stolen, or damaged, details of settlement payments you’ve received from the common carrier, and your travel itinerary.

Hot Tip:

Common carrier settlement payments may include a refund, credits, or vouchers.

After you upload documents, you’ll see a confirmation page detailing your claim, including your contact information, preferred payment method, loss details, and how much you’re claiming. Look over the details and click on the Edit link if you need to make any corrections.

Finally, review the terms and conditions and fraud disclosures. Scroll through the fraud disclosures to activate the checkbox. Then, hit Submit to send in your claim.

Claims Processing

After you’ve submitted your claim and documents for either a baggage delay or lost luggage claim with Chase’s benefits administrator, your claim will enter the review process. You should receive an email confirming that your claim has been received.

The benefits administrator will review your claim information and supporting documents. You may be contacted for additional information if anything is missing or unclear. If you’re contacted for more information, respond promptly to keep the claims process moving.

You should expect your claim to be processed within a month, though a complex claim may take longer. It could also take longer if you’re missing documents or the carrier hasn’t confirmed your baggage is lost yet. You can track your claim in the Chase Card Benefits dashboard, where you originally submitted it.

If your claim is approved, you’ll receive reimbursement as a check or ACH payment, depending on the method of payment preference you selected when submitting your claim.

You’ll receive a written explanation if your claim is denied, and you can appeal the decision by submitting additional documentation if needed. Some claims may receive partial reimbursement if expenses are not eligible, such as luxury items or expenses exceeding the claim limit.

Tips for a Smooth Claim

You can make the claims process easier — and increase the likelihood of full reimbursement — by staying on top of documentation and paying attention to details. Use these tips as you submit your lost luggage or baggage delay claim with your Chase Sapphire card.

• Photograph your luggage exterior and contents before checking it.
• Save receipts when you purchase necessities or replacement items.
• Avoid purchasing items that don’t qualify for coverage, such as luxury items.
• Keep any documents related to the claim, including baggage delay or loss notices, receipts, and bag tags.
• File promptly, no later than 20 days following the loss or delay.

Final Thoughts

Whether you use a Chase Sapphire Preferred card, Chase Sapphire Reserve card, or a Chase Sapphire Reserve Business card to pay for travel, you have excellent protection for lost or delayed bags. Knowing how to use these benefits can pay off if you need to make a claim. By keeping good records, filing your claim quickly, and understanding your benefits, you can make the most of your lost or delayed baggage benefits to cover the cost of essentials or make up for what was lost.