Chase Sapphire Travel Insurance: How It Works and What It Covers
Travel insurance is designed to reimburse you for your expenses if things go sideways before, during or after your trip. If you have the or , you’ll want to be aware of the travel insurance benefits your card offers and know what’s covered before you take your next trip. Or if you are on the lookout for a travel credit card and considering whether either of these options is right for you, it’s a good idea to compare their travel insurance perks before you make a selection.
Here’s what you need to know about the Chase Sapphire cards’ travel insurance benefits and how they could help if your trip goes awry.
What Is Chase Sapphire Travel Insurance?
Travel insurance, in general, was created to help you in case your trip is somehow disrupted, such as flight cancellations due to snow or if you got into a wreck with your rental car. There are several types of insurance and coverage that Chase Sapphire Reserve and Chase Sapphire Preferred provide.
Chase offers generous coverage for a number of unforeseen situations that relate to travel, such as:
- Trip cancellation or interruption insurance
- Auto rental collision damage waiver
- Baggage delay reimbursement
What Does Chase Sapphire Travel Insurance Cover?
Chase Sapphire Reserve and Chase Sapphire Preferred are top travel credit cards that offer valuable travel benefits. Here’s a quick look at key perks they offer and the coverage amounts:
|Auto rental collision damage waiver||
|Travel accident insurance||
|Trip cancellation/interruption insurance||Up to $10,000 per person or $20,000 per trip (both cards)|
|Lost luggage reimbursement||Up to $3,000 per person, per trip (both cards)|
|Trip delay reimbursement||Up to $500 per ticket (both cards)|
|Baggage delay reimbursement||Up to $100 per day for 5 days (both cards)|
Chase Sapphire Travel Insurance Benefits
Here are the details on what’s covered by the Chase Sapphire cards’ travel insurance benefits.
Trip Cancellation or Interruption Insurance
Perhaps you’re traveling in the winter and a massive snowstorm hits. In this case, you can be reimbursed up to the following amounts for your prepaid, nonrefundable travel expenses. These include passenger fares, tours you’ve booked and hotels.
For Chase Sapphire Reserve and Chase Sapphire Preferred, coverage amounts for cancellation/interruption are up to $10,000 per person or $20,000 per trip.
These are a few scenarios that are out of your control and would allow you to cancel and get reimbursed for your trip:
- Sickness or loss of life: Certain types of sickness that prevent you from traveling qualify for coverage. This type of coverage also includes the death of an immediate family member. (Your pets are not covered.)
- Military: If you or your spouse are in the military and receive a change in orders
- Court-related issues: Jury duty or subpoena
There are restrictions to keep in mind, including preexisting health conditions, traveling against the advice of your physician, or if your trip goes beyond 60 days.
One important thing to note is that if you decide to voluntarily change your plans and need to cancel the trip, you will not be covered.
Trip Delay Reimbursement
If you get stuck at the airport because of a covered hazard for at least the minimum number of hours to qualify for coverage, or if you need to stay overnight due to your carrier, you and your family will be covered. You’ll be reimbursed for meals, lodging and transportation to and from the hotel for up to $500.
With Chase Sapphire Reserve, if your trip has been delayed beyond six hours, you can use a rideshare to take you to a hotel and grab dinner nearby. For Chase Sapphire Preferred, it needs to be at least 12 hours before you can leave the airport for a nearby hotel. For both cards, the cost of your rideshare, hotel stay and dinner will be reimbursed to you — make sure to keep the receipts.
Baggage Delay Reimbursement
If your bags are delayed for more than six hours, Chase will reimburse you for up to $100 per day for five days. So if you purchase a new toothbrush, toothpaste, soap, shampoo and a pair of pants, you’ll be covered up to this limit. This applies for both Chase Sapphire Reserve and Chase Sapphire Preferred.
Lost Luggage Reimbursement
It can happen to us all — you arrive in one place and your luggage doesn’t. This is where Chase’s Lost Luggage benefit can provide reimbursement for this hassle. You’ll receive the difference between the cash value of your belongings and any reimbursement from your airline or cruise ship.
For both cards, you can receive up to $3,000 per person, per trip. There’s what is called a “sub-limit” of $500 for things like jewelry, cameras and electronics. If you receive $500 for any of these items, you’re subtracting from the total of $3,000 and not adding to it.
Auto Rental Collision Damage Waiver
You may have heard that some credit cards come with built-in rental car coverage — Chase Sapphire Reserve and Chase Sapphire Preferred are among them.
The next time you rent a car, you can decline the insurance that comes with the rental agency and charge the entire rental cost of the car with your Chase Sapphire card. If you’re in an accident, you’ll be covered up to $75,000 for theft or collision damage with Chase Sapphire Reserve. With Chase Sapphire Preferred, you’ll get reimbursed for up to the actual cash value of the rental car.
Keep in mind that you won’t qualify if your rental period goes beyond 31 days for both credit cards.
If you have the Chase Sapphire Reserve card, you can call for roadside assistance if you need a tow, jump start, locksmith or fuel delivery or if you need to get a flat tire changed. You’re covered up to $50 per incident, four times a year.
For Chase Sapphire Preferred cardholders, you can get pay-per-use roadside assistance, including up to five miles for standard towing (you have to pay for mileage beyond this limit), tire changing and jump starts. As you can see, the benefits are not as robust as Chase Sapphire Reserve.
Travel Accident Insurance
In the event that you or a member of your immediate family gets hurt while on your trip and dies or sustains a loss that qualifies for coverage, such as loss of speech and hearing, you’re covered up to $100,000 for 24 Hour Travel Accident Insurance with either of the Chase Sapphire cards. You’re also covered up to $500,000 with Chase Sapphire Preferred or up to $1 million with Chase Sapphire Reserve under Common Carrier Travel Accident Insurance.
How To File a Chase Sapphire Travel Insurance Claim
If you need to get reimbursed for either Chase Sapphire credit card, you’ll need to file a claim. You must file within 20 days of the date of the incident or within a reasonable length of time. Remember to have all of your receipts and documents ready to go. Here’s how to file your claim:
- Go to the claims center at eclaimsline.com and select “New Claim.” For Chase Sapphire Reserve, you can also call 888-675-1461. For Chase Sapphire Preferred, call 888-320-9961.
- Enter the details of your claim and your personal information.
- Gather all of your documents and upload them — these include receipts, bills and photos of your damaged luggage or rental vehicle, for example.
- Submit your claim and wait to hear from a specialist, usually within five business days.
Chase Sapphire Travel Insurance Coverage Limitations
As with any kind of insurance, there are restrictions, and Chase is no different. Each type of insurance, whether it’s for flights or lost luggage, has limits to what is covered. Here are examples of what is covered within various categories for both Chase Sapphire Reserve and Chase Sapphire Preferred cardholders:
- Rental car: If you’re traveling for more than 31 days with your rental car, you won’t be covered. Cars over 20 years old also won’t be covered.
- Baggage delay: You won’t be covered for things like artificial teeth, hearing aids and jewelry.
- Lost luggage: This benefit doesn’t apply to loss or theft of money, documents and valuable papers, tickets and furs.
Insurance can provide peace of mind for unforeseen situations that can make travel more challenging, such as delayed or canceled flights. Don’t let these moments put a damper on your adventures. Knowing what’s covered can help keep you calm and give you confidence that you’ll be reimbursed or covered.
Also, compared to other travel credit cards, there are few that can compete with the travel insurance benefits offered by the Chase Sapphire Reserve card, which comes with an annual fee of $550. Even though Chase Sapphire Preferred isn’t as robust, it’s still not a bad deal, considering the annual fee is just $95.
Just be sure you’re aware of the limitations before your next trip and double-check coverage in the areas that concern you most. You’ll want to know these limitations before relying on your card’s travel insurance benefits for your trip.
For any future travel coming up, always keep your receipts and documents, just in case.
Information is accurate as of Jan. 3, 2023.
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The information related to Chase Sapphire Reserve and Chase Sapphire Preferred was collected by GOBankingRates and has not been reviewed or provided by the issuer of these products/cards. Product details may vary. Please see the issuer’s website for current information. GOBankingRates does not receive commission for these products.