chase sapphire preferred travel insurance

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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Chase Sapphire Preferred Card benefits guide

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Key takeaways

• The Chase Sapphire Preferred® Card rewards structure makes it easily one of the top travel credit cards on the market.
• The card's lucrative sign-up bonus only adds to the allure for cardholders who are interested in a top travel rewards card.
• Other perks, like a hotel credit, trip insurance and no foreign transaction fees, as well as the card's comparatively modest annual fee, also make it worth consideration.

The Chase Sapphire Preferred® Card is easily one of the top travel credit cards on the market today thanks to its ongoing rewards structure, first-year welcome bonus and wealth of perks.

This Chase credit card comes with a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. And in terms of ongoing rewards, cardholders earn 5X points on travel purchased through Chase Ultimate Rewards and Lyft Rides (Lyft offer through March 2025); 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs); 2X points on general travel; and 1X points on everything else.

With the Chase Sapphire Preferred, you have the option to redeem your rewards for cash back, statement credits, merchandise and gift cards. You can also redeem rewards for travel through the Chase Ultimate Rewards portal, which gives you 25 percent more value from your points. In addition, this card lets you transfer points to popular Chase airline and hotel partners like United MileagePlus, Southwest Rapid Rewards and Marriott Bonvoy at a 1:1 ratio.

Chase Sapphire Preferred annual benefits

$50 hotel credit.

You’ll receive $50 in statement credits each year for hotel stays purchased through Chase Ultimate Rewards.

10% anniversary point bonus

Each account anniversary, cardmembers will automatically earn bonus points equal to 10 percent of the total spend in points made in the previous year.

Chase Sapphire Preferred travel benefits

No foreign transaction fees.

You won’t be charged foreign transaction fees on purchases made outside of the United States.

Auto rental collision damage waiver

This is secondary coverage good for up to the actual cash value of a vehicle for most rental cars within the U.S. and abroad.

Trip cancellation and interruption insurance

If your trip is canceled or interrupted for covered reasons beyond your control, trip cancellation and interruption insurance can reimburse you in amounts up to $10,000 per person and up to $20,000 per trip.

The cardholder and immediate family members are covered by this perk, and the cardholder doesn’t even have to be traveling in order to use this coverage. However, you do have to pay for any prepaid travel expenses with your Chase Sapphire Preferred card to qualify for this perk.

Baggage delay insurance

It’s never fun to arrive at a destination without your luggage, leaving you with no choice but to purchase clothing, toiletries and other essential supplies. The baggage delay insurance this card offers reimburses you up to $100 per day for up to five days when a baggage delay of at least six hours occurs.

You must pay for your travel expenses with a common carrier using your Chase Sapphire Preferred card for this coverage to apply.

Trip delay reimbursement

If your trip is delayed for a covered reason that’s beyond your control, such as your flight being delayed once you’re already at the airport, you can qualify for coverage for unreimbursed expenses in amounts up to $500 per ticket. The delay must be for more than 12 hours or require an overnight stay. Note, this reimbursement is mostly intended for meals and lodging.

Like other Chase Sapphire benefits, you have to pay for travel expenses with a common carrier using your card for this coverage to apply.

Additional Chase Sapphire Preferred benefits

Complimentary dashpass subscription.

Sapphire Preferred cardholders get complimentary access to DoorDash DashPass, which means no delivery fees and lower service fees on eligible orders for a minimum of one year, when you activate by Dec. 31, 2024.

Purchase protection

The Sapphire Preferred comes with purchase protection against damage or theft that can reimburse you when a covered item you purchased needs repair or replacement within the defined coverage timeline of 120 days. This coverage caps out at $500 per claim and $50,000 per account.

Note that this protection is good for items purchased by the cardholder and for items purchased by the cardholder but gifted to someone else.

Extended warranties

Finally, don’t forget about the Chase Sapphire Preferred’s extended warranty protection, which adds another year to the U.S. manufacturer’s warranty on eligible warranties of three years or less. This coverage is good for items that come with a standard manufacturer’s warranty to begin with, and you must pay for the item using your credit card for the extended warranty to apply.

The warranty amount is good for up to $10,000 in coverage per claim and up to $50,000 per account.

The bottom line

It’s easy to see why the Chase Sapphire Preferred is considered one of the best travel credit cards . If you’re interested in a rewards card that offers plenty of valuable benefits for a modest annual fee, the Sapphire Preferred is a good pick.

Before you decide, be sure to compare it to other Chase rewards cards that offer similar cardholder perks and benefits. For example, the Chase Sapphire Reserve® offers even more types of coverage and perks compared to the Chase Sapphire Preferred , just for a higher annual fee.

Make sure to evaluate the pros and cons of each card, as well as the overall requirements and benefits you may qualify for, before you decide which option is right for you.

Why I love the Chase Sapphire Preferred Card

Bank of America Premium Rewards credit card vs. Chase Sapphire Preferred

Is the Chase Sapphire Preferred worth it?

Chase Sapphire Preferred Credit Card Review

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Benefits of the Chase Sapphire Preferred

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Ultra-premium travel rewards cards offer every perk imaginable to soften the blow of their sky-high annual fees. But sometimes you just want a reliable card that provides excellent benefits without the huge price tag.

The Chase Sapphire Preferred® Card is as faithful a travel companion as your well-worn suitcase. In exchange for a $95 annual fee, it offers valuable rewards points, worldwide acceptance and travel protections that can help when that suitcase doesn’t make it to the baggage claim.

Here are the benefits of the Chase Sapphire Preferred® Card .

Travel rewards

1. a generous sign-up bonus.

The issuer phrases the sign-up bonus for the Chase Sapphire Preferred® Card like this: “ Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. ”

2. Bonus earnings on travel, dining, select streaming services and online grocery purchases

With the Chase Sapphire Preferred® Card , you'll earn 3 points per dollar spent on dining out, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). You'll earn 5 points per dollar on travel purchased through Chase and 2 points per dollar on all other travel. All other spending earns 1 point per dollar.

The travel category is very broad and includes:

Airline purchases.

Hotel stays.

Timeshares.

Rental cars.

Travel agencies and travel sites.

Campgrounds.

Also, through March 2025, you can earn 5 points per dollar spent on Lyft rides.

» MORE: Chase Ultimate Rewards®: How to earn and use them

3. 10% point bonus each year

Each account anniversary, cardmembers will receive bonus points equaling 10% of total purchases that year. So if you spent $25,000, you'd earn an additional 2,500 bonus points.

4. A 25% boost when redeeming for travel via Chase

The perk that makes the Chase Sapphire Preferred® Card such a favorite among travelers is the higher point redemption value when you cash in points for travel through Chase. Instead of the usual penny-per-point rate, you’ll get a value of 1.25 cents each for your points, which can really add up. That's an extra $25 for every $100 worth of points you redeem.

5. A $50 hotel credit

Cardholders can receive a $50 hotel credit each year on reservations booked through Chase. New cardholders will be able to use this credit immediately. Existing cardholders can use this credit after their next account anniversary.

6. Combine points from multiple cards

You can transfer points, for free, among any cards that earn Chase Ultimate Rewards® points, including the Chase Freedom® , Chase Freedom Flex℠ , the Chase Freedom Unlimited® and the Chase Sapphire Reserve® . You can also transfer points to and from another cardholder in your household, making it possible to create a family pool of points . Not only do you boost your points-earning potential by using multiple cards in the Chase Ultimate Rewards® universe, but transferring points into your Chase Sapphire Preferred® Card account allows you to redeem all points at that higher 1.25-cent rate, instead of the 1-cent rate you’d get with other Chase cards.

» MORE: Complete card details for the Chase Sapphire Preferred

7. Transfer points to airline and hotel partners

If you want to book travel directly through an airline or hotel but need just a few thousand points more in your account to get that free flight or stay, you can transfer Chase Ultimate Rewards® points earned through your Chase Sapphire Preferred® Card to 14 airline and hotel partners at a 1:1 point value. Transfer partners include:

Airlines: Aer Lingus, Air France/KLM, Air Canada, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest, United and Virgin Atlantic.

Hotels: Hyatt, IHG and Marriott Bonvoy.

8. Worldwide acceptance

As a Visa card with no foreign transaction fee, the Chase Sapphire Preferred® Card travels well.

» MORE: NerdWallet review of the Chase Sapphire Preferred

Travel and shopping protections

9. coverage if your trip is canceled or delayed.

Get reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses if your trip is interrupted by sickness, severe weather or other covered situations. If your travel is delayed by more than 12 hours, or the delay requires you to stay overnight, you’re covered up to $500 per ticket for expenses like meals and a hotel stay.

10. Baggage delay insurance

If your luggage is delayed more than six hours, you can get reimbursed up to $100 a day for five days to cover the cost of new toiletries and clothing.

11. Rental car coverage

Charge the entire car rental to your Chase Sapphire Preferred® Card and get primary insurance coverage for collision and theft in the U.S. and abroad. You must decline the rental company’s insurance to get this coverage.

12. Travel assistance

Get access to legal and medical referrals, or other help as needed if you’re facing an emergency while traveling. The referrals are free, but you’re on the hook for the cost of any services you use.

13. Purchase protections

New purchases are covered for up to 120 days in case of damage or theft, up to $500 per claim and $50,000 per account (perfect for those times when your doorbell camera doesn’t scare package thieves away from your front porch). You’ll also get an extra year added onto the manufacturer’s warranty on eligible warranties of three years or less.

14. Customer service without the wait

There’s no annoying hold music and no need to yell “representative” at your phone over and over. Call the toll-free number on the back of your card and you’ll be connected to a real live human.

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More about the card

NerdWallet review of the Chase Sapphire Preferred® Card

on Chase's website

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Credit Cards

11 Chase Sapphire Preferred travel benefits you should know about

Lee Huffman

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 10:13 a.m. UTC May 3, 2024

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The Chase Sapphire Preferred® Card is one of the best travel credit cards for beginners and experienced travelers alike. It offers numerous benefits that can easily justify its $95 annual fee . The points it earns, known as Chase Ultimate Rewards® , are extremely flexible, and you get 25% more value per point when booking travel through Chase Travel℠. This card also includes valuable travel and purchase protections at no extra charge. Learn more about its benefits so you can see why the Sapphire Preferred is so popular among travelers.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

1. Up to $50 in annual hotel credits

Every account anniversary year, cardholders receive up to $50 of hotel credits when booking reservations through Chase Travel. These credits cover a portion of your hotel stay and can offset over half of the card’s annual fee.

Travel reservations made through Chase Travel usually earn 5 points per dollar, which is another great reason to book through the Chase travel portal. However, you will not earn points on the spending that qualifies for the $50 annual hotel credit.

2. Points are worth 25% more when booking travel

The Chase Sapphire Preferred earns Chase Ultimate Rewards points that have tremendous flexibility. When using these points to book travel through the Chase Travel portal, they’re worth 25% more. In other words, you get a redemption value of 1.25 cents per point. For example, 50,000 points are worth over $625 in travel compared to redeeming your 50,000 points to get $500 in cash back or gift cards.

3. Transfer points to 14 airline and hotel partners

In addition to booking travel or getting cash back, cardholders can also transfer Ultimate Rewards points to 14 airline and hotel partners. Points transfer to 11 airlines and three hotel loyalty programs on a 1:1 basis without any transfer fees. Transfer partners include United Airlines, Air Canada, Air France, Marriott and Hyatt.

Transferring points tends to offer the highest value redemptions as you can often find outsize value when using your rewards to book peak travel dates, high-end hotels and premium cabin flights vs. what you’d pay in cash.

Unsure if a travel card is right for you? See our list of the best credit cards to review other options

4. Get a 10% bonus every year

Unlike the Chase Sapphire Preferred’s welcome bonus , which is a one-time windfall, on your account anniversary, you’ll receive unlimited bonus points worth 10% of your total purchases made during the previous year. For example, that means if you spend $50,000 over the 12 months of your account anniversary year, you’ll get 5,000 bonus points.

5. Repay eligible purchases up to 24 months without interest

The Chase Sapphire Preferred doesn’t offer a 0% intro APR period on purchases or balance transfers. However, you can use the My Chase Plan® to break up purchases of $100 or more into fixed monthly payments for up to 24 months without interest. Instead of interest charges, you’ll pay a fixed monthly fee to use this benefit.

6. Complimentary travel protections

Chase includes complimentary travel protections in case you encounter problems during your trip. When booking reservations with the Chase Sapphire Preferred, you’re covered against trip cancellation, interruption and delays. Coverage includes up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or interrupted.

When your trip is delayed more than 12 hours or requires an overnight stay, you can receive up to $500 per ticket for meals, lodging and other eligible expenses. Baggage delay benefits provide up to $100 per day per person for five days to cover the essentials if your baggage is delayed more than six hours.

Rental cars are protected against damage or theft when you decline rental car collision insurance and charge the entire reservation to your Chase Sapphire Preferred card. This coverage is primary, which is rare in a card at this affordable price point.

7. Benefits that protect your purchases

Your eligible purchases are protected against damage or theft for the first 120 days. Purchase protection claims are good for up to $500 per item and $50,000 per account.

Chase also includes extended warranty protection on eligible U.S. manufacturer warranties of three years or less. This benefit provides an extra year of coverage on eligible items.

8. Partner benefits earn bonus points and save money

Chase Sapphire Preferred benefits include bonus points and savings with exclusive partnerships with popular brands. Lyft rides earn 5 points per dollar through March 2025. DoorDash provides a one-year, complimentary DashPass membership offering $0 delivery fees and lower service fees.

Cardholders can save money with a complimentary Instacart+ membership for six months and up to $15 in statement credits each quarter through July 2024.

9. No foreign transaction fees

Bring your Chase Sapphire Preferred when traveling internationally because it waives foreign transaction fees. This benefit avoids a hidden fee of up to 3% on international purchases that many other credit cards charge. For example, $5,000 in purchases in another country could incur up to $150 in foreign transaction fees if you used a credit card that charges such a fee.

10. Spend instantly upon approval

When you apply for a new credit card, you typically have to wait up to 10 days to receive your physical card before you can start spending. If you’re approved for the Chase Sapphire Preferred , new cardholders can start spending right away by adding the card to their digital wallets. This enables them to get a head start on meeting the requirements to earn the card’s welcome bonus .

11. Refer friends and earn bonus points

In addition to earning Chase Ultimate Rewards points on your purchases, you can also earn points by referring your friends and family to the Chase Sapphire Preferred card. You’ll receive 15,000 points for each friend who is approved for the card. Chase allows cardholders to earn up to 75,000 bonus points each year with successful referrals, which is worth over $900 in travel booked through the Chase Travel portal.

Should travelers get the Chase Sapphire Preferred card?

With so many benefits, it’s easy to see why the Chase Sapphire Preferred is such a valuable travel credit card. It earns  5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases, includes travel and purchase protections, and points can be redeemed in numerous ways. This card offers advantages whether you’re traveling internationally or making daily purchases in your local area. Plus, it includes limited-time partner offers that earn bonus points and provide savings on your purchases.

Frequently asked questions (FAQs)

When you rent a car and pay with the Chase Sapphire Preferred, you’ll automatically receive complimentary primary rental car coverage against damage or theft. 

And when using points to pay for your rental car reservation through Chase Travel, you’ll get 25% more value per point than you would if redeeming your rewards for cash back.

The Chase Sapphire Preferred includes numerous travel protection benefits in case your trip doesn’t go as planned. You’ll receive trip cancellation, interruption and delay benefits, as well as baggage delay insurance. Plus, your rental car is protected against damage or theft.

There are a few travel perks, however, the card does not offer including airport lounge access and a trusted traveler application fee reimbursement .

As an active-duty military member, you’re entitled to specific benefits through the Servicemembers Civil Relief Act (SCRA). Chase provides a reduction in the interest rate on your credit cards and waives the annual fees. To receive these benefits, send Chase a copy of your orders through a secure message at Chase.com or by mail.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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