Does the United Explorer Card cover it?
Chase lists 5 of 7 with terms: trip cancellation (up to $1,500 per traveler, $6,000 per trip), trip delay (more than 12 hours, up to $500 per traveler), baggage delay ($100 a day for up to 3 days), lost or damaged bags (up to $3,000 per traveler) and rental car damage (primary, up to $60,000). Not listed on the sources we checked: travel accident and emergency evacuation & medical. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Listed with terms
Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather or other covered situations.
Trip delay Listed with terms
Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging.
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) Listed with terms
Primary. Decline the rental company's collision insurance and charge the entire rental to the card. Up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less. New York residents: secondary to your personal auto insurance inside the U.S.
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 United Explorer Card 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.
- 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 United Explorer Card cover trip delay?
Chase lists trip delay for this card. Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. Check your Guide to Benefits.
Does the United Explorer Card cover trip cancellation?
Chase lists trip cancellation for this card. Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather or other covered situations. Check your Guide to Benefits.
Is the United Explorer Card’s rental car coverage primary?
The Chase source describes it as primary. Primary. Decline the rental company's collision insurance and charge the entire rental to the card. Up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less. New York residents: secondary to your personal auto insurance inside the U.S. Check your Guide to Benefits.
Does the United Explorer Card 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.
Do I have to pay with the United Explorer Card?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): Decline the rental company's collision insurance and charge the entire rental to the card. Check your Guide to Benefits.
Similar cards
Also check
Card coverage vs a standalone policy: what to compare · All cards (31 checked)