bank of america travel insurance claim

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How to Dispute a Charge and Check the Status of Your Claim

Before initiating a claim.

Consider calling the merchant first, as they may resolve your claim faster (we may also require information from the merchant to process a claim, so contacting them directly may save you time).

Only posted transactions can be disputed (pending charges are temporary and may change). If you have any immediate concerns about a pending charge, contact the merchant directly.

The merchant's contact information is typically found on your receipt or billing statement.

Timely notification is important

Most transactions must be disputed within 60 days of the date of your statement on which the error appeared. If you did not provide your account information to the merchant in question and suspect that your information was stolen contact privacy & security customer service immediately.

While our online process to dispute a charge is the easiest and fastest way for you to submit a claim, you may also contact us by phone or mail with credit card billing inquiries .

To dispute a charge

Erica can help you with disputing a credit or debit card transaction. Log in to the mobile app and tap the Erica icon to get started

From the mobile app:

1. Log in to the app and select the account with the transaction you'd like to dispute.

2. Select the transaction, then tap DISPUTE TRANSACTION and follow the instructions.

From your computer:

1. Log in to Online Banking and select the account with the transaction you'd like to dispute.

2. Select the transaction, then select the Dispute this transaction link and follow the instructions.

Once your claim has been submitted, you can check the status of your claim in the mobile app or on your computer. Claims will be viewable in our site and app for up to 120 days from the date the claim file is moved from active to closed status.

To check the status of your claim

Most claim statuses can be tracked through Mobile and Online Banking (some eligibility may vary). Business account claims are not viewable.

From the mobile app: Log in to the app and tap Menu , then select View My Claim in the HELP & SUPPORT section.

From your computer: Log in to your Online Banking Message Center . Disputes are displayed in the Claims Messages section (the dispute status is listed in the Current Status column). You can view any additional dispute details by selecting the account and claim ID.

You can also set up custom alerts to receive real-time text and alert notifications concerning your claim. To review your alert setting in the mobile app, simply tap the bell icon and select SETTINGS .

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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Bank of America Premium Rewards card benefits guide

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Table of contents

• Travel benefits
• Travel protections
• Purchase protections
• How to maximize your card
• The Bank of America® Premium Rewards® credit card offers a variety of travel benefits and protections, including trip delay reimbursement and emergency assistance services.
• The card also offers purchase protections and extended warranties that could give you peace of mind while shopping.
• Bank of America customers with a Preferred Rewards membership can maximize the card’s potential and earn 25 percent to 75 percent more in rewards points.

Although the Bank of America® Premium Rewards® credit card isn’t as popular as other travel credit cards at this level, there are plenty of reasons to consider it. Not only does it offer 2X points on travel and dining purchases, but cardholders also earn a flat rate of 1.5X points on all other purchases. Those who apply and are approved can also earn a generous welcome offer — 60,000 points after spending $4,000 in the first 90 days — and an array of Bank of America Premium Rewards card benefits, which can make the offer an even better deal.

If you’re curious about which perks you’ll get with the Bank of America Premium Rewards card and how everything works, read on to learn more.

Bank of America Premium Rewards credit card travel benefits

While the Bank of America Premium Rewards credit card doesn’t let you transfer your points to airline and hotel partners like some other travel credit cards do, you can redeem your rewards for cash back in the form of a statement credit , a deposit into an eligible Bank of America or Merrill account, gift cards or travel through the Bank of America Travel Center.

You also get a handful of helpful travel perks just for being a cardholder:

• No foreign transaction fees
• Up to $100 in statement credits for airline incidentals
• Up to $100 in statement credits for Global Entry or TSA PreCheck

Bank of America Premium Rewards card travel protections

The Bank of America Premium Rewards credit card also comes with a number of travel insurance benefits and protections, including the following:

• Trip delay reimbursement: Get up to $500 if a covered trip is delayed for more than 12 hours)
• Trip cancellation and interruption insurance: Provides up to $2,500 for non-refundable passenger fares if your trip is canceled or interrupted by illness or other covered situations.
• Baggage delay insurance: Provides up to $100 per day for up to 5 days when bags are delayed or misdirected for more than 6 hours. Coverage is secondary to the common carrier.
• Lost luggage reimbursement: Provides coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by the common carrier (airline, bus, train, cruise ship).
• Travel and emergency assistance services: Helps you coordinate medical, legal, and travel services while traveling. Keep in mind, you are responsible for the cost of any goods or services.
• Emergency evacuation and transportation coverage: If something happens during your trip that results in emergency evacuation, you can be covered for eligible medical expenses and transportation costs.
• Secondary auto rental coverage: Provides reimbursement for damage due to collision or theft. Keep in mind that you must decline the collision/loss damage waiver from the auto rental agency in order to use this secondary coverage.
• Roadside dispatch: 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing and locksmith services.

Bank of America Premium Rewards card purchase protections

The Bank of America Premium Rewards credit card offers quite a few purchase protections that will automatically apply to eligible purchases you charge to your card.

• Purchase protection: Up to $10,000 per claim for items damaged or stolen within 90 days of purchase.
• Return protection: Coverage is limited to $250 per eligible item and up to $1,000 annually, and the item must be in like-new/good condition within 90 days of purchase.
• Extended warranties: Extend the period of the manufacturers’ warranty for up to one additional year for items purchased with your credit card.

Maximizing the Bank of America Premium Rewards card

Since the Bank of America Premium Rewards credit card bases the rewards you earn on your spending, maximizing its benefits involves using it for all of your purchases and bills. You should aim to use it for dining and travel purchases specifically, since you can earn an elevated rate of 2X points for each dollar spent. From there, using it for other purchases you need to make can help you rack up 1.5X points per dollar spent on a regular basis.

Also note that Bank of America Preferred Rewards members can earn 25 percent to 75 percent more rewards for using this card or other qualifying Bank of America rewards cards. Ultimately, this means eligible cardholders with the Bank of America Premium Rewards credit card could earn 2.5X to 3.5X points for every dollar spent on travel and dining purchases and 1.87X to 2.62X points for every dollar spent elsewhere.

This free program is for Bank of America customers who have an active, eligible Bank of America account and a three-month combined average daily balance of $20,000 or more in eligible Bank of America or Merrill accounts. Bank of America will automatically enroll you in the program once these requirements are met.

When it comes to using the Bank of America Premium Rewards card benefits shared in this guide, remember that you’ll need to pay with your credit card to qualify. If you pay with another credit card, you won’t be eligible for purchase protections or travel insurance benefits on those transactions.

The bottom line

The Bank of America Premium Rewards credit card isn’t as well known as some other travel cards, but there’s much more to it than meets the eye. In addition to its generous earning rate and welcome offer, cardholders will get quite a few perks along the way, like travel protections.

Even so, it never hurts to compare this card to the benefits offered by other top travel credit cards . With some basic research, you can find a travel credit card that checks off the boxes you care about the most.

Information about the Bank of America Premium Rewards credit card was updated on June 10, 2024.

Why I love the Bank of America Premium Rewards credit card

Is the Bank of America Premium Rewards card the travel card you should get?

Bank of America Premium Rewards credit card review

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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Points + $300 Travel Credit Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.