Chase purchase protection: Protection against damage and theft for the stuff you buy

Chase purchase protection can protect the items you buy with your Chase credit card against damage or theft for 120 days from the date of purchase. In most cases, you can get reimbursement to repair or replace your item up to $500 per claim. Some premium Chase cards offer even greater purchase protection benefits.

Here’s what you need to know about Chase purchase protection.

Cards that offer Chase purchase protection

The vast majority of Chase credit cards offer purchase protection. Here are the most popular cards that offer this benefit and the benefit limits of each card.

What is Chase purchase protection?

Chase purchase protection protects the items you buy with your card for the first 120 days after you buy them. The coverage covers damage, theft, and “involuntary and accidental parting” on eligible items.

Involuntary and accidental parting means that you’ve left an item somewhere and you know where it is, but recovering your item is impractical. For example, involuntary and accidental parting may cover a case where you left an item behind during a trip.

To get purchase protection, you must charge your eligible items to your Chase card.

Chase purchase protection at a glance

While the exact terms of Chase’s purchase protection benefit vary by card, here’s a quick overview of the most common terms:

How to get purchase protection coverage with Chase

Getting Chase purchase protection coverage for the items you buy is simple. Just charge a portion of your purchase to your eligible Chase card or use your Chase account rewards for a purchase.

Chase purchase protection covers you if even a portion of your purchase was charged to your Chase account. For example, if you used a gift certificate to pay for most of your purchase and charged the remainder of your purchase to your account, you would receive coverage under Chase purchase protection.

What is covered by purchase protection?

Chase purchase protection covers a wide variety of purchases you make using your card.

• Eligible items you purchase with your account or the rewards programs associated with your account.
• Purchases made inside or outside the United States.
• Gifts purchases for friends and family members if purchases are made with your account.

Purchase protection provides secondary coverage, meaning that it covers the deductible of your other insurance or losses in excess of your other insurance.

What types of losses are covered by purchase protection?

Chase purchase protection covers three types of losses: Damage, theft, and involuntary and accidental parting. Here’s what each of these types of losses mean.

Theft means that your item was stolen. If you make a claim for theft, be prepared to submit a copy of a police report with your claim.

Damage means that the item is in your possession, but that the item has been accidentally damaged, impacting its usefulness or value. If you make a claim for damage, you may be required to send the item to Chase at your expense or provide an estimate or copy of a repair invoice.

Involuntary and accidental parting occurs when you unintentionally leave an item behind, you know the item’s location, and recovering the item is impractical. Involuntary and accidental parting is not the same as loss. You must know the location of your item to make a claim under Chase purchase protection.

What items are excluded from coverage?

Chase excludes certain types of items from coverage. Most of these exclusions make sense intuitively because they are consumable, perishable, high-value, or intangible. Here are the types of items that won’t receive Chase purchase protection coverage:

• Animals and living plants.
• Antiques or collectible items.
• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items towable by or attachable to any motorized vehicle.
• Computer software.
• Medical equipment.
• Perishable or consumable items, including but not limited to, cosmetics, perfumes and rechargeable batteries.
• Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments.
• Used or pre-owned items (refurbished items will not be considered used or pre-owned if accompanied by a warranty.)

Chase lists additional exclusions based on how an item is damaged or lost, or the intended use of an item. For example, Chase excludes losses for items in the care of a courier or common carrier and damages caused by extraordinary circumstances. Here’s the list of additional exclusions you’ll find on most Chase cards:

• Items purchased for resale. (Professional and commercial use is also excluded on non-business cards.)
• Items that are lost, or that “mysteriously disappear,” meaning they vanished in an unexplained manner, with no evidence of wrongdoing by one person.
• Items under the control and care of a common carrier, including the U.S. Postal Service, airplanes, or a delivery service.
• Items in your baggage on a common carrier unless hand carried or under your supervision or that of a companion you know, including but not limited to, jewelry, and watches.
• Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection, terrorist activities, and more); confiscation by authorities (if contraband or illegal); normal wear and tear; flood, earthquake, radioactive contamination; damage from inherent product defects.
• Theft or damage from mis-delivery, or voluntarily parting with property.
• Losses caused by or resulting from a cyber incident.

This list includes common examples of exclusions and may vary across Chase cards. See your card’s guide to benefits for more details on what is covered and what is excluded.

How to file a Chase purchase protection claim

The easiest way to file a Chase purchase protection claim is online at https://www.eclaimsline.com/. Alternatively, you can also file a claim by calling 1-800-348-8472. Your Guide to Benefits will also include a phone number to call for benefit questions that is specific to your card.

The website will ask for your card number and will lead you through the process of submitting your claim online. You’ll be required to provide details about your claim during the process. You may also be asked to upload receipts or other documentation to substantiate your claim.

In most cases, you’ll be required to provide at least a credit card account statement and itemized store receipt, so it might save you some time to upload these documents during your initial claim submission.

Once your claim is submitted, the benefit administrator will review your claim. During the review, you may be asked to provide additional information. If you’re making a claim for theft, getting a police report within 48 hours will improve your chances that your claim is approved.

Once the benefit administrator receives the information they request, if they decide you have a valid claim, you will receive payment to repair or replace your item, up to the limits of your card’s coverage.

Documents you’ll need for your claim

When submitting your purchase protection claim, and during the claim review, you will be required to submit documentation to substantiate your claim. Here are some of the types of documents you might be required to provide. Note that not every type of document is required or will be requested for every claim.

• Completed and signed claim form. (This will be provided by the benefit administrator)
• Credit card account statement showing the last 4 digits of the account number, demonstrating that the purchase was made on your account. (In most cases, it makes sense to upload this with your initial claim submission.)
• If more than one method of payment was used, provide documentation as to additional currency, voucher, points, or any other payment method utilized.
• Copy of the itemized store receipt demonstrating that the purchase was made on your account.
• Copy of the documentation of any other settlement of the loss. (If you’ve received payment from another insurance company or a merchant, you are required to provide this.)
• If the item is repairable, the estimate of repair or a copy of the paid receipt/invoice for the repairs, indicating the type of damage to the claimed item.
• Copy of the police report made within forty-eight (48) hours of the occurrence in the case of theft, fire report or incident report to substantiate the loss. If the loss was not reported, a replacement receipt or other sufficient proof of loss deemed eligible solely by your benefits administrator. (If your item was stolen, you’ll improve your chances of your claim being approved quickly if you file a police report.)
• Any other documentation deemed necessary by the benefit administrator to substantiate the claim. (During the claims process, you may be asked for additional documentation.)

Bottom line on Chase purchase protection

When you purchase an item with your Chase card, you’re generally covered by Chase Purchase Protection, which protects your purchases against damage, theft, and involuntary and accidental parting for 120 days from the date of purchase. Using a card with purchase protection for all of your purchases is a smart move that can pay off if an item you buy gets damaged or is stolen.

Frequently asked questions