Does the United Gateway Card cover it?
Chase lists 4 of the 11 protections we track with terms: trip cancellation (up to $1,500 per traveler, $6,000 per trip), rental car damage (secondary in the U.S.), purchase protection (120 days, up to $500 per item) and extended warranty (an additional year, on warranties of three years or less). Not listed on the sources we checked: trip delay, baggage delay, lost or damaged bags, travel accident, emergency evacuation & medical, cell phone protection and return protection. 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 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 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.
Lost or damaged baggage 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.
Rental car collision damage (CDW) Listed with terms
Decline the rental company's collision insurance and charge the entire rental to the card. Covers theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance. The card page does not state a dollar limit.
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.
Cell phone protection 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.
Purchase protection (damage & theft) Listed with terms
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days.
Extended warranty Listed with terms
Extends the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Return protection 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 purchase, fare, rental or phone bill 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 Gateway Card sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, 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.
- Baggage delay: not listed on the issuer source we checked.
- Lost or damaged baggage: 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.
- Cell phone protection: not listed on the issuer source we checked.
- Return protection: 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 Gateway Card 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 United Gateway 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 Gateway Card’s rental car coverage primary?
The Chase source describes it as secondary in the U.S.. Decline the rental company's collision insurance and charge the entire rental to the card. Covers theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance. The card page does not state a dollar limit. Check your Guide to Benefits.
Does the United Gateway 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 Gateway 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.
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