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Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

  • Several Chase credit cards offer robust travel insurance benefits to cardholders, with the best options coming from the Chase Sapphire Preferred? and the Chase Sapphire Reserve? cards.
  • Travel insurance offered through these cards is given on a complimentary basis, although you do have to use an eligible card to pay for travel purchases for coverage to apply.
  • Common coverages offered through Chase Sapphire travel insurance include trip cancellation and interruption insurance, travel delay insurance, lost luggage reimbursement, rental car insurance and more.
  • If the Chase Sapphire travel insurance offered through your card is not sufficient to cover your trip, you can supplement it by purchasing an additional policy. Compare travel insurance plans and get a quote.
  • Before applying for a card, make sure you compare Chase credit cards to find the best benefits and travel perks to suit your needs.

While you can purchase travel insurance to cover important aspects of each trip you take, the right travel credit card can help you line up some basic coverages for free. These complimentary benefits can help you get reimbursed in a range of scenarios that are beyond your control.

Several Chase credit cards offer some of the best travel insurance perks across all cards on the market today, including the Chase Sapphire Preferred? and the Chase Sapphire Reserve?.

The Chase Sapphire Reserve? offers a slightly broader selection of travel benefits for a higher annual fee, but both Chase Sapphire cards offer the following types of coverage:

  • trip cancellation coverage
  • primary auto rental
  • trip delay reimbursement
  • a range of other protective benefits

If you’re considering signing up for a Chase travel credit card and wondering how Chase Sapphire travel insurance works and when it applies, read on to learn more.

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Chase Sapphire Preferred? Card

Chase Sapphire Preferred? Card
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Key Information
Earn 5X points on Chase Travel purchases, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases. $95 annual fee.
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Chase Sapphire Reserve?

Chase Sapphire Reserve?
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Key Information
Earn 10X points on hotels and car rentals booked through Chase Travel, 10X points on Chase Dining purchases, 5X points on flights booked through Chase Travel, 3X points on non-Chase travel and dining, and 1X points on all non-bonus spending. $550 annual fee.
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How does Chase Sapphire travel insurance work?

Chase Sapphire travel insurance is offered to cardholders with eligible Chase credit cards on a complimentary basis.

However, some Chase cards offer more travel perks than others, and limits apply to each type of coverage available.

Note that having an eligible Chase credit card isn’t enough to qualify. You must pay for part of your trip with either your Chase credit card or with Chase Travel? points that you earned from the card to get Chase travel protection.

What does Chase Sapphire travel insurance cover?

The main Chase cards that offer travel insurance include the Chase Sapphire Preferred? and the Chase Sapphire Reserve?.

A few other Chase credit cards also offer a handful of perks. For example, both the Chase Freedom Unlimited? and the Chase Freedom Flex offer up to $1,500 per person and up to $6,000 per trip in trip cancellation and interruption insurance, plus secondary auto rental coverage and travel and emergency assistance services.

Several Chase business credit cards, including the Ink Business Unlimited? Credit Card, the Ink Business Cash? Credit Card and the Ink Business Preferred? Credit Card, all offer primary rental car coverage when renting a car for business purchases, plus roadside dispatch. The Ink Business Preferred? Credit Card also comes with up to $5,000 per person and up to $10,000 per trip in trip cancellation and interruption coverage.

This all being said, the best Chase Sapphire travel insurance protection comes from the Chase Sapphire Preferred? and the Chase Sapphire Reserve?.

To learn more, check our our complete article on?Chase Sapphire Preferred vs. Reserve.

Comparison of coverage

Type of coverage Chase Sapphire Reserve? Chase Sapphire Preferred?
Trip cancellation/interruption Up to $20,000 per eligible trip Up to $20,000 per eligible trip
Trip delay reimbursement Up to $500 after at least 6 hours Up to $500 after at least 12 hours
Baggage delay reimbursement Up to $100 per day Up to $100 per day
Auto rental coverage Applies to collision damage or theft, worth up to $75,000 Applies to collision damage or theft, worth up to the cash value of most cars
Emergency medical/dental Up to $2,500 in coverage, $50 deductible. N/A
Emergency evacuation Up to $100,000 N/A
Travel accident insurance Up to $1 million when traveling on a common carrier, up to $100,000 for 24-hour coverage Up to $500,000 when traveling on a common carrier, up to $100,000 for 24-hour coverage

We’ll explain these benefits more as you keep reading.

Trip cancellation and interruption protection

Trip cancellation coverage comes into play when your trip must be canceled for reasons beyond your control, such as being called to jury duty or your hotel or resort becoming uninhabitable due to a natural disaster before you arrive. This coverage can help you get reimbursed for pre-paid travel expenses you booked ahead of time, such as airfare, your hotel stay and tours you already paid for.

Trip interruption coverage kicks in when your trip must be cut short due to a covered reason, such as a travel warning due to terrorism being issued in your destination or a terrorist incident happening within 25 miles of one of the destinations or airports on your itinerary.

Note that you’ll get reimbursed for pre-paid travel expenses you covered ahead of time whether you paid for your trip with your credit card or with Chase Travel? points. In fact, Chase says in its fine print that rewards points redeemed for travel “will be reimbursed in an amount equal to their monetary value.”

Both the Chase Sapphire Preferred? and the Chase Sapphire Reserve? come with trip cancellation and interruption benefits worth up to $10,000 per covered person and up to $20,000 per eligible trip.

Trip delay protections

The Chase Sapphire Preferred? and the Chase Sapphire Reserve? also come with trip delay reimbursement worth up to $500 per ticket. This kind of coverage can be useful when your trip is delayed by a common carrier for a specific length of time, and you’re forced to pay for lodging or additional means.

That said, Sapphire Reserve coverage kicks in sooner than travel delay insurance from the Sapphire Preferred (as seen below).

Baggage delay reimbursement

Baggage delay reimbursement can help pay for travel-related incidental expenses that occur when your bags don’t show up at your destination when you do.

For example, this coverage can pay for:

Both Chase Sapphire cards offer up to $100 per day in baggage delay reimbursement for a maximum of five days. Baggage must also be delayed for at least six hours on a covered trip before coverage applies.

Auto rental collision damage waiver

Both Chase Sapphire cards also offer primary car insurance coverage that lets you skip paying for protection at the rental car counter and use this coverage instead. However, not all cars qualify, and not all destinations let you use this insurance. Chase says you’ll want to contact your program administrator to see if the type of car you plan to rent qualifies.

Also note that rental periods of up to 31 days can be covered, whereas car rental periods lasting longer than 31 days are not.

Coverage typically excludes the following:

Coverage from Chase credit cards varies in this category as well:

Emergency medical and dental benefits

When it comes to emergency medical and dental benefits, only the Chase Sapphire Reserve? offers this coverage and it’s still very limited.

This medical insurance also applies to very specific situations, including the following:

Chase medical coverage is only worth up to $2,500 for emergency medical expenses, subject to a $50 deductible. However, Chase says you can be eligible for up to $75 per day (maximum of five days) in coverage for hotel charges if your physician determines you should recover in a hotel immediately after treatment.

Note that this benefit applies to cardholders who pay for all or part of their round-trip travel expenses with their card or Chase Travel? points. Immediate family members can also qualify for coverage if they are a spouse or domestic partner or a legally dependent child under the age of 19 (or under the age of 26 if they’re enrolled in a college or university).

Emergency evacuation and transportation

The Chase Sapphire Reserve? is also the only Chase credit card that comes with emergency evacuation and transportation coverage.

This protection is worth up to $100,000, and it pays for eligible transportation expenses, medical services and medical supplies that are necessary during evacuation.

Note that emergency evacuation is only covered when it is recommended by an attending physician, required by standard regulations of the company transporting you and approved in advance by the benefit administrator. If you are hospitalized for more than eight days, this coverage can also pay to have a friend or relative transported to your bedside in some cases.

Travel accident insurance

Both Chase Sapphire cards also offer travel accident insurance that pays a beneficiary for loss of life. Coverage can also apply to accidental dismemberment or for loss of hearing, sight or speech.

As seen below, coverage varies between the two cards.

Also note that certain accidental dismemberment and some losses of hearing, sight or speech qualify for lower amounts of coverage depending on the loss in question. For example, the loss of a thumb and index finger of the same hand only qualifies for 25% of the maximum benefit amount, whereas the loss of one hand, loss of one foot, loss of sight in one eye, loss of speech and loss of hearing only qualify for 50% of the maximum benefit amount.

What if the Chase Sapphire travel insurance benefits are insufficient for my trip?

While Chase travel insurance benefits work well in a broad range of scenarios, there are situations where a standalone policy can leave you better off.

For example, having just $2,500 in emergency medical and dental coverage from the Sapphire Reserve is going to be insufficient for anyone traveling to a country where their health insurance doesn’t apply. Additionally, trip cancellation and trip interruption benefits may not be enough for expensive trips that cost more than limits can reimburse for.

If you feel like credit card travel insurance could leave you vulnerable to losses, you can purchase affordable travel insurance from a broad range of issuers. Doing so can ensure you have the medical coverage you need when you need it, and that you’ll get protection for all your nonrefundable travel expenses after sign-up. If you have a pre-existing condition, you’ll also want to make sure your plan offers a pre-existing conditions waiver and that you meet the conditions to qualify. Additionally, contemplating travel insurance tailored to the specifics of your trip, such as cruise insurance, is a prudent consideration.

Passport and Plane Ticket

How do I file a Chase Sapphire travel insurance claim?

The exact steps you’ll take to file a credit card travel insurance claim with Chase vary based on whether you have the Sapphire Preferred, Sapphire Reserve or another Chase credit card.

You may also need to take different steps based on the type of coverage you are filing a claim for.

Either way, here’s a rundown of the basic steps you’ll need to take to file a Chase travel coverage claim.

1

Start a new claim with Chase’s claims center.

Go to eclaimsline.com and select “new claim.”

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2

Select claim type.

After that, you’ll select the type of claim you want to file from a dropdown menu, whether you’re filing for trip cancellation coverage, baggage delay insurance or something else.

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3

Enter the requested information.

Chase will ask you to supply a range of personal details and information for the claim.

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4

Submit the requested documentation.

After that, you’ll need to upload the information requested to substantiate your claim. This can include medical bills and forms, car rental information and other official documentation that supports your claim.

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5

Wait to hear back.

Once you supply all the information the benefit administrator requests, you’ll typically hear back on your claim within five business days. You may also need to submit more information or documentation at this time.

See More See Less

The bottom line

Chase Sapphire Preferred travel insurance and Chase Sapphire Reserve travel insurance can come in handy if you end up needing coverage while you’re out exploring the world.

Although the benefits they provide may not be as comprehensive as some standalone travel insurance plans, they’re included with your Chase Sapphire card membership (so it won’t cost you anything extra) and can help to give you added peace of mind when traveling.

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Chase Sapphire travel insurance FAQs

Is Chase Sapphire travel insurance worth it?

Credit card travel insurance can be worth it, but you’ll want to read over your specific policy details to see which coverage applies. You may also want to compare Chase travel insurance with a standalone policy side-by-side before relying on coverage from a credit card.

Do Chase Sapphire cards provide trip cancellation and interruption insurance?

Many Chase credit cards products offer trip cancellation and interruption insurance, including the Chase Freedom Unlimited?, Chase Freedom Flex, Ink Business Preferred? Credit Card, Chase Sapphire Preferred? and Chase Sapphire Reserve?. However, limits on this coverage vary by card.

How do I activate Chase Sapphire travel insurance?

To activate Chase travel insurance, you’ll apply for a new credit card that offers it. From there, coverage is complimentary after account opening when you use your card or Chase Travel? points (or a combination of the two) to pay for travel with a common carrier.

Does Chase travel insurance cover family members?

Some Chase travel insurance coverages can apply to a family member traveling with the primary card member. Make sure to read over your specific card benefit details so you know for sure.

What happens to my Chase Ultimate Rewards when I cancel a trip?

If you cancel a trip that was paid for with Chase Travel? points (previously known as Chase Ultimate Rewards), you may get your points back depending on the reason for the cancellation and the policies of your airline, hotel or other travel vendor. With Chase trip cancellation and trip interruption insurance specifically, Chase says you may be reimbursed for the cash value of your Ultimate Rewards points instead.

Holly D. Johnson
Holly D. Johnson Finance Expert

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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