Edits
Edit 8:
信用卡添加了 Citi Strata Elite.
Edit 7:
鉴于波音的优异表现，保险添加了 Travel Accident Insurance. Chase 依旧无敌。
信用卡添加了 BOA Atmos Rewards Summit. 看起来和 BOA Premium Rewards Elite 的条款只是字体大小不一样。
Edit History:
点此展开
Edit 6:
Chase Trip Delay Reimbursement 真的温暖了！终点不能是家的限制去掉了，出发前已知晓的免责条款也去掉了，亲属范围也和 Chase 其他保险统一了！
新条款：
Trip - any pre-paid travel when a portion or the entire cost of a round trip or one way Common Carrier fare was paid using the Covered Card and/or redeemable Rewards
Family Member - an individual’s: spouse or Domestic Partner,
and parents thereof; sons and daughters, including adopted
children and stepchildren; legal guardians or wards; parents,
including stepparents; brothers and sisters; grandparents and
grandchildren; aunts or uncles; nieces or nephews; spouses or
Domestic Partners of any individual of this definition
旧条款：
Covered Trip – a period of travel that does not exceed three hundred
sixty–five (365) days away from the Eligible Traveler’s residence to a
destination other than the Eligible Traveler’s city of residence for which
the Eligible Traveler’s cost of transportation for the Common Carrier
has been charged to the Account and/or rewards programs associated
with the covered Account
What’s Not Covered?
• Any delay due to a Covered Hazard which was made public or made
known to You prior to Your departure
Family Member – Your spouse/domestic partner or legally dependent
children under the age of twenty–six (26)
Edit 5:
10/1/2024 Chase 更新了所有保险条款。 Chase 旅行和购物保险10月1日更新
CSR/Ritz (及其他 Chase 信用卡) Trip Cancellation and Interruption Insurance “暖心”升级了：
Coverage is limited to the lesser of the following:
• $10,000 per Covered Traveler
• $20,000 per Trip for all Covered Travelers and $40,000 per twelve (12) month period per Account
• the actual amount charged to the Covered Card and/or redeemable Rewards used for a covered travel expense
过去是这样写的：
If You are eligible for insurance under multiple Credit Card Accounts, You will only be insured under the Account which provides the largest benefit amount for the loss that occurred.
简单来说，还是可以用同一张卡支付每一项费用的部分费用，但是不再是全额报销。
假设机票 $200, 酒店 $200. 我用 CSR 支付了 $90 机票钱和 $95 酒店钱，那么现在最多拿到 $90+$95=$185 的赔偿。而过去可以拿到 $400 的赔偿。
里程票以我的理解是不保里程部分
Rewards - points, miles, cash rewards, or any other type of redeemable Rewards associated with Your Covered Card, provided that all Rewards have been accumulated by You through use of JPMorgan Chase Bank, N.A. and/or its affiliates sponsored Rewards program
Edit 4:
信用卡添加了 HSBC Elite.
Edit 3:
保险添加了 Emergency Medical and Dental, Roadside Assistance.
信用卡添加了 Ritz, CSP, United Explorer/ Quest, BOA Premium Rewards Elite.
Edit 2:
添加了保险覆盖人群，非常有意思。
Edit 1:
添加了 UAR & C1VX.
Guides to Benefits
点此展开
CSR Guide to Benefits: in effect as of 10/01/2024.
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC11382_v2.pdf
CSR Guide to Benefits: in effect as of 08/15/2021 (outdated).
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10981_SapphireReserve_VisaInfinite.pdf
Ritz Guide to Benefits: in effect as of 10/01/2024.
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC11382_v2.pdf
Ritz Guide to Benefits: in effect as of 01/01/2020 (outdated).
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10849_RitzCarlton_VisaInfinite.pdf
CSP Guide to Benefits: in effect as of 10/01/2024.
Your Chase Credit Card Guide to Benefits
CSP Guide to Benefits: in effect as of 08/15/2021 (outdated).
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10979_SapphirePreferred_VisaSignature.pdf
Chase United Explorer/ Quest Guide to Benefits: in effect as of 10/01/2024.
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC11386_v2.pdf
Chase United Explorer/ Quest Guide to Benefits: in effect as of 03/21/2021 (outdated).
https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10938_United_Explorer-Quest_Visa_Platv2-Sig.pdf
HSBC Elite: in effect as of 08/2024.
https://www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/credit-cards-pdfs/elite-mc-rewards-and-benefits-guide.pdf
Citi Strata Elite (from Reddit):
https://snamwpm.eccmp.com/wpm/617/contentuploads/docs/gtb_cre388.pdf
BOA Atmos Rewards Summit: in effect as of 09/01/2021.
https://www.myvisacardportal.com/alaska/en_us/welcome/?card=visainfinite&categoryName=security
BOA Premium Rewards Elite: in effect as of 09/01/2021.
https://www.myvisacardportal.com/bofa/en_us/welcome/?card=premiumrewardselite&categoryName=security
UAR: in effect as of 9/1/2023.
altitudereserve
C1VX: in effect as of 10/01/2021.
https://ecm.capitalone.com/WCM/card/benefits-guide/20211109-venture-x/jb34520_build-it_dm_final_eng-proof_v1.pdf
总结
所有 benefits 参考了 Amex Platinum Card, Chase Sapphire Reserve Card, Chase Ritz-Carlton Card, Chase Sapphire Preferred Card, Chase United Explorer/ Quest Card, HSBC Elite World Elite Card, Citi Strata Elite, BOA Atmos Rewards Summit Card, BOA Premium Rewards Elite Card, US Bank Altitude Reserve Card & Capital One Venture X Card.
注意保险条款在不断更新，请检查时效性。
里程票，Baggage Delay, Emergency Medical and Dental, Roadside Assistance, Travel Accident, Trip Delay 相关保险 CSR/ Ritz 完胜。
Chase CSR 和 Ritz 条款是一样的。90多年费的联名卡也是有一些保险的，比如 Aeroplan 有 Baggage Delay, Trip Cancellation and Interruption, Trip Delay (12小时). CSP 的保险介于 CSR 和联名卡之间，但是道路救援条款出现了bug, 而且 Explorer 竟然也有。
有意思的是 Plat 不同保险对 family 的定义是不一样的，很明显 Amex 不喜欢保行李。
HSBC Elite 保险很独特，比如有 Medical Protection (甚至有Hotel/Motel Burglary) 却没有 Trip Delay. 条款都写得非常繁琐，看得头疼。
Citi Strata Elite 保险项目很少，条件很严格。
BOA Atmos Summit 和 Premium Elite 条款貌似是一模一样的。
UAR 和 C1VX 则是抠抠搜搜。除了 Travel Accident, C1VX 和 UAR 的条款就是加粗不加粗的区别。
每家银行的不同保险会避免交叉，基本不会出现同一家银行的两种保险保同一项费用。这点在 Trip Delay VS. Trip Cancellation, Trip Cancellation VS. Emergency Medical 上很明显。
Baggage Delay Insurance
| Card | 需要支付全部费用？ | 触发条件 | 保额 | 持卡人需要同行？ | 亲属范围 |
|---|---|---|---|---|---|
| Plat | — | — | — | — | — |
| CSR, Ritz, CSP | 不需要 | 6小时 | $100*5天 | 不需要 | 极其广泛 |
| United Explorer/ Quest | 不需要 | 6小时 | $100*3天 | 不需要 | 极其广泛 |
| HSBC Elite | 需要 | 6小时 | $250/ claim | 未知 | 未知 |
| Citi Strata Elite | — | — | — | — | — |
| BOA Atmos Summit/ Premium Elite | 不需要 | 6小时 | $100*5天 | 不需要 | 配偶、孩子 |
| UAR, C1VX | — | — | — | — | — |
保险具体条款 (节选)
Baggage Delay Insurance
CSR:
The maximum benefit is one hundred ($100.00) dollars per day up to a maximum of five (5) days.
The Baggage Delay benefit applies if Your Baggage is delayed or misdirected for more than six (6) hours and for each additional twenty–four (24) hour period Your baggage is delayed after the initial
six (6) hours for a maximum of five (5) days.
Immediate Family Member means an individual with any of the following relationships to the Cardholder: Spouse, and parents thereof; sons and daughters, including adopted children and
stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition. Immediate Family Member also includes legal guardians or wards. Immediate Family Members do not need to be traveling with the Cardholder for benefits to apply.
Trip – travel booked through a Travel Supplier when some portion of the fare for such transportation has been charged to the Cardholder’s Account or has been paid for with redeemable Rewards that were accumulated by the Cardholder from a Rewards program sponsored by JPMorgan Chase Bank N.A. and/or its affiliates; Trip must occur while the insurance is in–force
Baggage Damage & Lost Baggage
| Card | 需要支付全部费用？ | 需要往返？ | 保额 | 持卡人需要同行？ | 亲属范围 | Memo |
|---|---|---|---|---|---|---|
| Plat | 需要 (明确不保里程票) | 不需要 | $3000/ 人 | 不需要 | 配偶、孩子 | 贵重物品上限 $1000 |
| CSR, Ritz, CSP, United Explorer/ Quest | 不需要 | 不需要 | $3000/ 人 | 不需要 | 极其广泛 | 贵重物品上限 $500 |
| HSBC Elite | 需要 | 不需要 | $1500 | 未知 | 未知 | 不保短程，不保电子设备 |
| Citi Strata Elite | 需要 | 不需要 | $5K | 未知 | 配偶、孩子 | 不保短程，不保电子设备 |
| BOA Atmos Summit/ Premium Elite | 不需要 | 未知 | $3000/ trip | 不需要 | 配偶、孩子 | 只保 lost 不保 damage |
| UAR, C1VX | 不需要 | 不需要 (限制5-60天) | $3000 | 需要 | 配偶、孩子 | 只保 lost 不保 damage |
保险具体条款 (节选)
Baggage Damage & Lost Baggage/ Lost Luggage Reimbursement
A. An Eligible Payment is made to pay for the Entire Fare of a Common Carrier Vehicle ticket to the Eligible Card.
What is an Entire Fare?
The full fare or pre-arranged travel cost for a Covered Trip.
Can rewards points be redeemed towards an Eligible Payment/ Entire Fare?
Yes, purchases on Eligible Cards that are combined with American Express Loyalty Programs, such as Membership Rewards® points or Pay with Points, would qualify for benefits.
However, other Loyalty Programs (i.e. Non-American Express) DO NOT qualify on purchases redeemed in part or full towards the fare or pre-arranged travel cost. An example would be Common Carrier Frequent Flyer Miles point redemption.
Who is Covered?
Benefits are available to Covered Persons on a Covered Trip who meets one of the following descriptions:
A. the Card Member;
B. the Card Member’s spouse or Domestic Partner;
C. the Card Member’s dependent children under 23 years of age; or
D. the Card Member’s dependent children because of a handicap condition that occurred before the attainment of the limited age of 23, are incapable of self-sustaining employment and dependent upon a parent or other care provider for lifetime care and supervision. Coverage will be extended for as long as such child is incapacitated, unmarried and dependent.
CSR:
Immediate Family Member means an individual with any of the following relationships to the Cardholder: Spouse, and parents thereof; sons and daughters, including adopted children and
stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition. Immediate Family Member also includes legal guardians or wards. Immediate Family Members do not need to be traveling with the Cardholder for benefits to apply.
Trip – travel booked through a Travel Supplier when some portion of the fare for such transportation has been charged to the Cardholder’s Account issued by JPMorgan Chase Bank, N.A. and/or its affiliates or has been paid for with redeemable Rewards that were accumulated by the Cardholder from a Rewards program sponsored 24 For questions, call 1-888-675-1461 if you’re in the US by JPMorgan Chase Bank, N.A. and/or its affiliates; Trip must occur while the insurance is in–force
C1VX:
You and Your Immediate Family Members are all eligible for this benefit when You take a Covered Trip and pay for the cost of Your Common Carrier tickets with Your eligible card issued in the United States and/or rewards program associated with Your covered Account.
Immediate Family Member means Your Spouse or legally dependent children under age eighteen (18), [twenty-five (25) if enrolled as a full-time student at an accredited university].
To be eligible for coverage, You must purchase a portion or the entire cost of the Covered Trip with Your covered Account and/or rewards program associated with Your covered Account.
Covered Trip means a trip while the Eligible Person is riding on a Common Carrier as a passenger and not as a pilot, operator or crew member, for which the expense has been charged to Your eligible Account and/or rewards program associated with Your covered Account, and which is not less than five (5) consecutive days but does not exceed sixty (60) consecutive days in duration.
Emergency Medical and Dental
| Card | 需要支付全部费用？ | 保额 | 持卡人需要同行？ | 亲属范围 |
|---|---|---|---|---|
| Plat | — | — | — | — |
| CSR, Ritz | 不需要 | $2500 ($50 Deductible) | 不需要 | 配偶、孩子 |
| CSP, United Explorer/ Quest | — | — | — | — |
| HSBC Elite | 未知 | $2500/人 ($50/人 Deductible), Emergency illness $500/day | 未知 | 配偶、孩子 |
| Citi Strata Elite | — | — | — | — |
| BOA Atmos Summit/ Premium Elite | — | — | — | — |
| UAR, C1VX | — | — | — | — |
这项保险可能报销额外住宿。这项保险可能和 Trip Cancellation and Interruption 互补。
如果单身出游，HSBC Elite 可能保亲属的往返机票。
DP: 给老婆办墨绿，结果娃被猴子咬了，CSR赔付。 , 回馈泥潭！ ritz卡成功报销了在邮轮上的medical center的费用最新dp .
Roadside Assistance
| Card | 保额 |
|---|---|
| Plat | pay-per-use |
| CSR, Ritz, United Explorer/ Quest | 每年$50*4次 |
| CSP | YMMV |
| HSBC Elite | - |
| Citi Strata Elite | - |
| BOA Atmos Summit/ Premium Elite | pay-per-use |
| UAR | pay-per-use (set price) |
| C1VX | pay-per-use |
CSP Terms 里写的是 pay-per-use Roadside Dispatch，宣传界面 Guide to Chase Sapphire® Travel Insurance | Chase 写的是每年4次，每次保$50. 实际 DP YMMV. CSP拨打的电话号码和CSR也是不一样的。
注意 Chase 信用卡不需要是卡主名下的汽车，只需要卡主驾驶的4轮汽车 (on road)，所以保租车等等。每7天同一原因只能用一次。
Travel Accident Insurance
| Card | 需要支付全部费用？ | 需要往返？ | Common Carrier 保额 | 24 Hour 保额 | 持卡人需要同行？ | 亲属范围 |
|---|---|---|---|---|---|---|
| Plat | — | — | — | — | — | — |
| CSR, Ritz | 不需要 | 不需要 | $1M/人，上限$2M | $100K/人，上限$200K | 不需要 | 极其广泛 |
| CSP, United Explorer/ Quest | 不需要 | 不需要 | $500K/人，上限$1M | $100K/人，上限$200K | 不需要 | 极其广泛 |
| HSBC Elite | 需要 | 好像不需要 | $1M/人，上限$2M | — | 好像不需要 | 配偶、孩子 |
| Citi Strata Elite | — | — | — | — | — | — |
| BOA Atmos Summit/ Premium Elite | 需要 (里程票里程必须全部来自于该卡) | 好像不需要 | $1M/人，上限$2M | — | 好像不需要 | 配偶、孩子 |
| UAR | 需要 | 好像不需要 | $500K | — | 好像不需要 | 配偶、孩子 |
| C1VX | 需要 | 好像不需要 | $1M/人，上限$2M | — | — | 本人 |
不同损伤有着不同赔付比例。
只有 Chase 保去程后30天之内的意外。
Trip Cancellation and Interruption Insurance
| Card | 需要支付全部费用？ | 需要往返？ | 报销范围 | 保额 | 持卡人需要同行？ | 亲属范围 |
|---|---|---|---|---|---|---|
| Plat | 需要 (里程票用词模糊) | 需要 | 包括预订的住宿 | $10K | 不需要 | 配偶、孩子 (以及亲属同行人) |
| CSR, Ritz, CSP | 不需要 | 不需要 | 包括预订的住宿 | $10K/人，上限$20K | 不需要 | 极其广泛 |
| United Explorer/ Quest | 不需要 | 不需要 | Common Carriers only | $1500/ 人，上限$6000 | 不需要 | 极其广泛 |
| HSBC Elite | 需要 (保里程票) | 不需要 | Common Carriers only, 不保天气 | $1500/ 人 | 好像不需要 | 配偶、孩子 (以及亲属同行人) |
| Citi Strata Elite | 需要 | 需要 | 包括预订的住宿 | $5K | 好像不需要 | 配偶、孩子 |
| BOA Atmos Summit/ Premium Elite | 需要 (里程票里程必须全部来自于该卡) | 不需要 | Common Carriers only, 不保天气 | $2500 | 不需要 | 配偶、孩子 |
| UAR, C1VX | 需要 | 不需要 | Common Carriers only, 不保天气 | $2000/ 人 | 好像不需要 | 配偶、孩子 |
10/1/2024 起， Chase 只报销 charge 在这张卡上的费用而不是全额了。里程票也很可能不再保里程部分。
注意报销的费用都需要 (至少有一部分) charge 在这张卡上，所以建议使用同一张卡支付所有旅行费用 (Plat 机票 5x 更不香了)。
注意演唱会门票之类是不保的，除非是在 package 里。
这项保险可能和 Trip Delay 以及 Emergency Medical 互补。
Plat 和 Citi Strata Elite 报销额外大交通费用。
Citi Strata Elite:
Covered Trip means a period of round-trip travel to one (1) or more destinations other than an Eligible Traveler’s place of residence
保险具体条款 (节选)
Trip Cancellation and Interruption Insurance
Covered Trip means a period of round-trip travel to one or more destinations other than an Eligible Traveler’s city of residence at the time of departure
Eligible Traveler means you and your Family Members and Traveling Companions who purchase a Covered Trip to your Eligible Card.
Family Member means a spouse, Domestic Partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full time student at an accredited college or university).
Traveling Companion means an individual who has made advanced arrangements with you or your
Family Members to travel together for all or part of a Covered Trip.
A. To get coverage:
You must charge the full amount of a Covered Trip to your Eligible Card or in combination with your Eligible Card and accumulated points on your Eligible Card or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.
C1VX:
Trip Cancellation and Interruption benefits pay up to two thousand dollars ($2,000.00) per Insured Person for the non-refundable Common Carrier ticket(s) that You paid for with Your covered Account and/or rewards programs associated with Your covered Account.
You, Your spouse (or Domestic Partner) and Your Dependent Children are eligible for coverage if You charge the entire cost of the Trip using Your Account, less redeemable certificates, vouchers, or coupons, or rewards program associated with Your covered Account.
The Trip Cancellation or Interruption must be caused by or result from:
- The death, Accidental Bodily Injury, disease or physical illness of You or an Immediate Family Member of the Insured person; or
- Default of the Common Carrier resulting from financial insolvency.
Trip Delay Reimbursement
| Card | 需要支付全部费用？ | 需要往返？ | 触发条件 | 保额 | 持卡人需要同行？ | 亲属范围 | Covered Trip |
|---|---|---|---|---|---|---|---|
| Plat | 需要 (里程票用词模糊，很多成功 DP) | 需要 | 6小时 (不保 overnight) | $500/trip | 不需要 | 配偶、孩子 (以及亲属同行人) | round-trip travel to one or more destinations other than an Eligible Traveler’s city of residence |
| CSR, Ritz | 不需要 | 不需要 | 6小时或 overnight | $500/人 | 不需要 | 极其广泛 | 无限制 |
| CSP, United Explorer/ Quest | 不需要 | 不需要 | 12小时或 overnight | $500/ticket | 不需要 | 极其广泛 | 无限制 |
| HSBC Elite | - | - | - | - | - | - | - |
| Citi Strata Elite | 需要 | 需要 | 6小时 (不保 overnight) | $500 | 好像不需要 | 配偶、孩子 | round-trip travel to one (1) or more destinations other than an Eligible Traveler’s place of residence |
| BOA Atmos Summit/ Premium Elite | 不需要 | 不需要 | 6小时或 overnight | $500/ticket | 不需要 | 配偶、孩子 | from the Eligible Person’s residence to a destination other than the Eligible Person’s city of residence |
| UAR, C1VX | 不需要 | 不需要 | 6小时或 overnight | $500/ticket | 好像不需要 | 配偶、孩子 | from the Eligible Person’s residence to a destination other than the Eligible Person’s city of residence |
10/1/2024起，Chase 把终点不能是家的限制去掉了，并且出发前已知晓的免责条款也去掉了。
- Trip Delay 的原因都包括天气、equipment failure.
- 但是如果出发前告知了延误，或者目的地是 city of residence, 大部分银行就不会再保。
- 延误险不适用因为延误造成的后续损失 (机票、酒店等等)。
- 这项保险可能和 Trip Cancellation and Interruption 互补。
保险具体条款 (节选)
Trip Delay Reimbursement
Covered Trip means a period of round-trip travel to one or more destinations other than an Eligible Traveler’s city of residence at the time of departure
Eligible Traveler means you and your Family Members and Traveling Companions who purchase a Covered Trip to your Eligible Card.
Family Member means a spouse, Domestic Partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full time student at an accredited college or university).
Traveling Companion means an individual who has made advanced arrangements with you or your
Family Members to travel together for all or part of a Covered Trip.
A. To get coverage:
You must charge the full amount of a Covered Trip to your Eligible Card or in combination with your Eligible Card and accumulated points on your Eligible Card or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.
Coverage is provided that reimburses an Eligible Traveler for reasonable additional expenses (including but not limited to meals, lodging, toiletries, medication, and other personal use items) incurred for a Covered Trip that is delayed more than six (6) hours, if the Covered Trip delay is caused by a Covered Loss.
Covered Losses include Covered Trip delays that result from the following:
1 Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather that delays the scheduled arrival or departure of a Common Carrier);
2 Terrorist Action or hijacking;
3 A Common Carrier’s equipment failure, as documented by the Common Carrier;or
4 Lost or stolen passports or travel documents.
C1VX:
delayed for more than six (6) hours or requires an overnight stay.
You need to purchase either a portion or the entire cost of Your Common Carrier fare using Your Account.
You, Your spouse and Your dependent children under twenty-two (22) years of age are automatically covered when You charge Your Covered Trip’s Common Carrier fare to Your eligible Account and/or rewards program associated with Your covered Account.
Covered Trip means a period of travel that does not exceed three hundred and sixty-five (365) days away from the Eligible Person’s residence to a destination other than the Eligible Person’s city of residence for which the Eligible Person charges the cost of transportation by Common Carrier to the Account and/or rewards programs associated with the covered Account.
Covered Hazards means equipment failure, inclement weather, strike and hijacking/skyjacking.
Disclaimer 声明
以上内容为个人见解，不构成任何法律建议。
This topic was prepared by the author in his personal capacity. The opinions expressed in this article are the author’s own and do not reflect the view of any bank or insurance company. The information provided in this topic does not, and is not intended to, constitute legal advice.**
