Does the IHG One Rewards Premier cover it?
Chase lists 3 of 7 with terms: trip cancellation (up to $5,000 per traveler, $10,000 per trip), baggage delay ($100 a day for up to 3 days) and lost or damaged bags (up to $3,000 per traveler). Not listed on the sources we checked: trip delay, rental car damage, travel accident and emergency evacuation & medical. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Listed with terms
Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Listed with terms
Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours.
Lost or damaged baggage Listed with terms
Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip.
Rental car collision damage (CDW) Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Travel accident insurance Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Emergency evacuation & medical Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full fare or rental on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the IHG One Rewards Premier sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. A standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip delay: not listed on the issuer source we checked.
- Rental car collision damage (CDW): not listed on the issuer source we checked.
- Travel accident insurance: not listed on the issuer source we checked.
- Emergency evacuation & medical: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
- Cancel for any reason: not listed for this card (it is not listed for any card we checked).
- Trips that cost more than the card’s limit, or costs not paid with the card, sit outside the trip-cancellation cap above.
Quick answers
Does the IHG One Rewards Premier cover trip delay?
Trip delay is not listed on the Chase sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the IHG One Rewards Premier cover trip cancellation?
Chase lists trip cancellation for this card. Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. Check your Guide to Benefits.
Is the IHG One Rewards Premier’s rental car coverage primary?
Rental car collision damage (CDW) is not listed on the Chase sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the IHG One Rewards Premier cover medical costs abroad?
No medical-expense or evacuation coverage is listed on the Chase sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
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