trip interruption insurance chase reserve

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Full List of Travel Insurance Benefits for the Chase Sapphire Reserve Card [2024]

Christine Krzyszton

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Table of Contents

Chase sapphire reserve card — travel insurance benefits and protections, how to file a claim, everything else you need to know, why we like the chase sapphire reserve overall, alternative travel rewards cards, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Few credit cards can compete with the Chase Sapphire Reserve ® when you’re looking for a premium travel rewards credit card. There are also few, if any, travel rewards cards that offer a better selection of travel insurance benefits.

Travel insurance benefits and protections that come with your credit card can provide valuable assistance if your trip is disrupted, reimburse you for expenses if things go wrong during your journey, and much more.

It’s become increasingly more important to have a level of travel insurance for peace of mind and to make you whole after an unexpected event. While the travel insurance that comes on your credit card is not meant to take the place of a comprehensive travel insurance policy , it can provide sufficient coverage for most trips you make.

Today, we’ll dive deep into the assortment of travel insurance benefits that come with the Chase Sapphire Reserve card.

We’ll also look at how the coverages work, glance at the process for filing a claim if something does go wrong, and in the end, give you all the other reasons we like the card for frequent travelers.

There are so many reasons we like the Chase Sapphire Reserve card overall and we’ll cover those later in our article. For now, we’re going to jump right into the focus of our review, the travel insurance benefits and protections offered on the card.

Some benefits or protections can save you money , others provide assistance during your travels, and yet others offer peace of mind .

Here is our breakdown of the travel insurance coverages that can be found on your Chase Sapphire Reserve card.

Auto Rental Collision Damage Waiver

The auto rental insurance coverage on your Chase Sapphire Reserve card could save you hundreds of dollars on your car rental bill. Simply reserve and pay for your car rental with the card, decline the car rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW) coverage, and receive primary car rental coverage for theft or damage to the rental car.

Primary coverage means that you do not have to file a claim with another insurance company first.

Additional coverage includes loss of use charges and reasonable and customary towing charges.

You and authorized drivers listed on the rental agreement are covered.

Coverage limitations and conditions apply, including:

• $75,000 coverage limit
• Rental period cannot exceed 31 days
• Liability coverage and the loss of personal items are not covered
• Expenses reimbursed by other insurance are not covered
• Antique vehicles, vans that carry more than 9 people, motorcycle/bikes, limos, and recreational vehicles are not covered

Bottom Line: The Chase Sapphire Reserve card comes with primary car rental insurance. If a car rental agency charges $20 per day for this coverage, you could save $140 on a 7-day rental by declining the rental car agency’s collision damage waiver or loss damage waiver coverage.

Trip Cancellation and Trip Interruption

When you pay for your trip partially or in full with your Chase Sapphire Reserve card, with Ultimate Rewards points earned on your card, or a combination of both, you could receive a benefit if your trip has to be canceled or is disrupted for a covered reason.

Examples of covered events could include:

• Severe weather that prevents you from beginning a trip or keeps you from continuing your travels
• Illness or death of an immediate family member or travel companion
• Certain legal obligations

Examples of expenses reimbursed include:

• Prepaid non-refundable expenses charged by a travel supplier, such as a tour operator, airline, or other common carriers
• Non-refundable prepaid expenses charged by rental car or travel agencies
• Under trip interruption, $250 for emergency ground transport

The trip cancellation/interruption coverage that comes with the Chase Sapphire Reserve card pays up to $10,000 per person, per trip , up to $20,000 per occurrence, and up to a maximum of $40,000 in a 12-month period.

Examples of losses that would not be covered could include:

• Cancellation by the travel provider (unless due to severe weather)
• You change your plans
• Preexisting conditions
• Financial insolvency of the travel provider
• Losses that occur on trips exceeding 60 days

Hot Tip: The trip cancellation and trip interruption insurance that comes with a credit card, including the Chase Sapphire Reserve card, does not cover voluntary trip cancellations. If you think you might have to cancel a trip, you should purchase Cancel for Any Reason Insurance which provides coverage regardless of the reason for cancellation. 

Trip Delay Reimbursement

Trip delays of more than 6 hours or an overnight stay trigger the trip delay reimbursement coverage on your Chase Sapphire Reserve card. You and your eligible family members could receive up to $500 for each purchased ticket , per trip, for unreimbursed expenses for incidentals, lodging, and meals.

Lost Luggage Reimbursement

If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person , per trip. There is a sub-limit of $500 included in the $3,000 maximum for valuable items such as jewelry watches, and specific electronics.

Baggage Delay

When your bags are delayed for more than 6 hours , you could receive up to $100 per day for 5 days for reimbursement of essentials such as clothing, toiletries, and a cell phone charger.

Roadside Assistance

Make just a call if you have a roadside emergency and receive assistance with services such as flat tire replacement, emergency fuel, jump-start service, towing, lock-outs, and more.

The number of covered service calls each 12-month period is limited to 4 and the maximum coverage is $50 per service call. Any charges over that amount will be charged to the Chase Sapphire Reserve card.

Emergency Evacuation and Transportation

Pay for at least a portion of your common carrier trip with your Chase Sapphire Reserve card. Then, if you or an immediate family member become injured or sick during your travels and need emergency evacuation, the card could provide up to $100,000 in coverage .

Trips must be at least 5 days in length , not more than 60 days, and the traveler must be more than 100 miles from home.

This is not reimbursement coverage — you must call the benefits administrator at the time of the incident to initiate emergency transport.

Emergency Medical and Dental Benefit

It’s rare to find any medical or dental coverage provided on a credit card, but the Chase Sapphire Reserve card offers this benefit for its cardholders and qualifying family members.

Here’s how the coverage works:

• Provides up to $2,500 ($50 deducible) for emergency medical or dental services during a covered trip
• Up to $75 per day for 5 days for a hotel if ordered by the attending physician
• Emergency medical/dental services, hospital room, ambulance, medicines, and supplies are examples of covered items
• The trip must be more than 100 miles from your residence

Travel Accident Insurance

Travel Accident Insurance is a benefit seldom ever used but it can provide peace of mind knowing that if a covered death or dismemberment occurred during you or your family’s common carrier trip, there could be a benefit provided.

The card comes with up to $1,000,000 in coverage.

Travel and Emergency Assistance

Whether you need assistance planning your trip or need help during your travels, you’ll have access to a dedicated phone line 24/7 . Receive assistance such as help securing emergency transportation, translation, medical, and legal referrals, help with lost passports, or emergency ticket replacement.

The cost of the actual services received is the responsibility of the cardholder.

Bottom Line: The Chase Sapphire Reserve card comes with one of the best collections of travel insurance benefits and protections available. To learn about additional credit cards also offering travel insurance, check out our list of the best credit cards for travel insurance . 

The best time to think about filing a travel insurance claim is before an event happens . Before setting off on your trip, it’s wise to take a few minutes to learn how you or your travel companions could receive assistance, should your trip be disrupted.

Reviewing the process of how to contact the claims administrator en route, should it become necessary, could save you money and frustration after the fact for not following the correct procedure for coverage to be valid.

Reviewing the claims process in advance also makes it easier to gather needed information at the time of disruption, such as photos or a statement from the travel provider, versus trying to secure the needed documentation once you’ve arrived home from a disrupted trip.

Here’s what you’ll need to know about filing a claim for Chase credit card travel insurance benefits and/or protections.

Time Is of the Essence

Each specific travel insurance coverage has stated time limits to report a claim, submit the completed and signed claim form, and for supplying all of the required documentation. Failing to do so could jeopardize the processing of your claim.

The best rule of thumb is to contact the claims administrator as soon as an event occurs . This action can also help you receive proper instructions on how to proceed to make sure your expenses will be covered.

Documentation Is Important

You will be asked to submit documentation for your claim to be processed properly. Keep in mind that Chase is not processing your claim as the card issuer utilizes a third-party claims administrator .

You could be asked to provide any of the following information:

• A completed and signed claim form
• Your credit card statement that includes the last 4 digits of the card and receipts showing you paid for the trip/car rental with the eligible card and/or associated points
• A copy of your common carrier ticket and itinerary
• Any related medical documents and/or death certificate
• Documentation from the travel provider as to why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the travel provider’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

Hot Tip: The claims process will be easier if you have saved receipts, kept travel provider cancellation/refund policy documentation, and have copies of your ticket information and itineraries. 

Our list of Chase Sapphire Reserve card travel insurance benefits is an overview only. We have also abbreviated the coverage descriptions. You will need to access the official Guide to Benefits for the card for terms, conditions, current coverage limits, and claim procedures.

Also, note that most travel insurance benefits that come with credit cards are normally secondary to other insurance you might have that would otherwise cover the loss. If you are compensated by an airline for lost luggage, for example, you would only have coverage via your credit card for any excess loss you incurred above the airline’s payment (up to the limits of coverage).

In addition to having one of the best travel insurance offerings among credit cards, the Chase Sapphire Reserve card comes with strong earnings, redemption options, statement credits, and additional benefits.

Here are some of the reasons we like this premium travel rewards card.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• 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
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC
• APR: 22.49%–29.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

The Chase Sapphire Reserve card earns valuable, flexible Ultimate Rewards points on every purchase you make.

Here’s how you’ll earn points on the card:

• 10x earnings on car rentals, hotels, and dining booked via Chase Travel
• 5x earnings on air travel
• 3x earnings on all other travel and dining
• 10x earnings on Lyft rides (through March 31, 2025)
• 1x earnings on all other purchases

When it comes time to redeem your Ultimate Rewards points , you’ll have several options offering various values:

• Transfer Ultimate Rewards points to Chase airline and hotel partners to redeem for award tickets or free hotel nights
• Redeem via the  Chase travel portal  for 1.5 cents each
• Redeem for a statement credit or cash-back at 1 cent each
• Pay Yourself Back to redeem your points for a statement credit at 1.25 to 1.5 each from a list of eligible purchases that rotates
• Redeem for gift cards, experiences, merchandise, or at Amazon and Apple

Other redemption values vary, but always strive to receive no less than 1 cent per point redeemed as you can cash out points for that amount. Transferring Ultimate Rewards points to travel partners can potentially result in the most value for your points. You may also find good value via the Chase travel portal utilizing points at 1.5 cents each for inexpensive flights.

Statement Credits

Receiving statement credits for purchases you’ll be making anyway is an effective way to offset the card’s annual fee. Here are the statement credits you can expect from the Chase Sapphire Reserve card:

• $300 Travel Statement Credit — Each card anniversary year, you’ll receive reimbursement for your travel purchases in the form of a statement credit of up to $300.
• Global Entry, NEXUS, or TSA PreCheck Fee Reimbursement — Once every 4 years, you can receive up to $120 reimbursement for Global Entry fees (as of October 1, 2024), $50 for NEXUS enrollment, or $78 for TSA PreCheck.

Additional Benefits

• Complimentary Priority Pass Select Membership — Enjoy access to over 1,400 airport lounges worldwide with your membership. You’ll also be able to bring in 2 additional guests at no extra charge.
• Complimentary DoorDash DashPass Subscription — You’ll have free delivery on all orders $12 or more and discounted fees (over $100 value). Activate by December 31, 2027.
• No Foreign Transaction Fees — A typical foreign transaction fee can be 3% of your transaction. You won’t have any such fees on your foreign purchases when you use your Chase Sapphire Reserve card.
• Purchase Protection — Use your card to purchase an eligible item and if that item is damaged, stolen, or experiences “involuntary and accidental parting” you could receive up to $10,000 per claim, for a maximum of $50,000 per year . The coverage is valid for 120 days from the purchase date. Gifts purchased for others are also covered.
• Return Protection — If the merchant will not take back any eligible item within 90 days after the purchase date, you could receive up to $500 per item, $1,000 maximum per year.
• Extended Warranty — The manufacturer’s warranty of 3 years or less will be extended for 1 additional year for eligible items. Coverage is limited to $10,000 per claim, $50,000 per account.

Bottom Line: With powerful earning and redemption options, statement credits for specific purchases, worldwide lounge access, and a long list of travel and shopping benefits/protections, the Chase Sapphire Reserve card can be worth the annual fee. 

While we think the Chase Sapphire Reserve card is an excellent choice for a travel rewards card, here are a couple of equally appropriate alternatives for the frequent traveler.

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR

American Express Membership Rewards

Also packed with a generous collection of travel insurance benefits , the Amex Platinum card shines as a companion for the frequent traveler.

Its lounge access benefits are second to none, plus it offers hotel program elite status, rental car perks , and statement credits for specific purchases. It also earns valuable, and flexible, Membership Rewards points via a generous bonus earnings on eligible travel.

Chase Sapphire Preferred ® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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, 60,000 points are worth $750 toward travel.
• APR: 21.49%-28.49% Variable

If you’re looking for a travel rewards credit card but are reluctant to pay a high annual fee, or you won’t use all of the benefits offered on the Chase Sapphire Reserve card, you might want to consider the Chase Sapphire Preferred card .

The Chase Sapphire Preferred comes with many of the travel insurance benefits and protections offered by the Chase Sapphire Reserve card and it’s one of our favorite travel rewards cards.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

The newest premium travel rewards card on the block is the Capital One Venture X card . We like that the card comes with an annual $300 credit for travel purchased via Capital One Travel .

The card’s annual fee is also lower than most premium travel rewards cards but you’ll still find travel insurance , worldwide lounge access , Global Entry or TSA PreCheck fee reimbursement, stellar earnings on travel, cell phone protection , and a respectable 2x earnings on all other purchases.

While the high annual fee may be off-putting, the Chase Sapphire Reserve card is packed with plenty of benefits to justify the expense — if you’ll utilize the majority of those benefits.

Our focus today was on travel insurance benefits that alone could save you money, provide compensation, and/or reimbursement if your trip is disrupted. But there is additional value in all the other benefits offered on the card .

A Priority Pass Select membership, for example, will set you back as much as $469 each year, plus $35 for each guest, per visit. The Priority Pass membership that comes with the Chase Sapphire Reserve card offers unlimited access for the cardholder and allows 2 additional guests at no charge.

The card also comes with a $300 travel credit , and up to $120 for Global Entry, NEXUS, or TSA PreCheck fees (as of October 1, 2024).

If you can utilize the benefits, the card can be worth it.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For Capital One products listed on this page, some of the benefits may be provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For rates and fees of The Platinum Card ® from American Express, click here .

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What is trip interruption insurance.

Booking a vacation often comes with a lot of “what ifs.” What if I get sick and test positive for COVID-19 before boarding my flight? What if a hurricane is forecast to make landfall in south Florida the day my cruise is departing Miami?

Trip cancellation and interruption insurance can be an effective way to mitigate those worries, knowing you would be covered if something extraordinary happens that either curtails or cancels your trip.

Read on to know more about the different types of trip coverage provided through credit card issuers and travel insurers.

How does trip interruption insurance work?

Trip interruption insurance can reimburse travelers for expenses associated with covered situations that can unexpectedly cut your trip short. It provides reimbursement for prepaid, unused and non-refundable travel expenses, such as plane tickets, hotel stays or cruise line reservations.

How do I get trip interruption insurance?

Many credit card issuers offer some form of trip interruption insurance as a benefit to their customers, as well as an incentive for cardmembers to book travel using their cards. If you are unsure if your credit card issuer offers this benefit, you can call the toll-free number on the back of your card or go online to find out.

Credit card travel insurance vs. insurance company policies

Travel policies for both trip cancellation and interruption are regulated insurance products sold online by travel insurance issuers. Credit card-based trip interruption coverage, which is often capped at a few thousand dollars of reimbursement, should not be viewed as a substitute for these insurance policies. Some credit card products also cap their trip interruption payouts at $1,500 per person and $6,000 or less for the whole family for each trip and/or limit their coverage to prepaid passenger fares, such as plane tickets or cruise line fares. For this reason, some travelers will purchase travel insurance policies for coverage in excess of the basic coverage their card issuer offers.

What’s covered by trip interruption insurance?

Here are several situations in which trip interruption insurance may be applicable:

• A severe weather event such as a hurricane or flood striking your booked vacation destination or cancelling flights to it—as well as mandatory evacuations prior to a hurricane making landfall
• Severe weather or wildfires destroying your primary residence while you are traveling
• Accidental death or bodily injury for a passenger on an airline or cruise line, as well as any serious illness for you, your direct family member, or your traveling companion during your trip
• Active duty or reservist members of the military receiving documented orders that cut short their vacation—where the spouse traveling with them is also covered
• An organized airline employee strike that leads to the cancellation of your flight

Please note that in order for coverage to apply, you must first notify the common carrier such as the airline or cruise line that interrupted your trip and request whatever refund, miles or other compensation they are prepared to offer. You will need to do this before submitting a claim to your insurer or credit card Benefit Administrator.

What isn’t covered by trip interruption insurance?

There are many situations that can arise including common occurrences that usually aren’t covered by trip interruption insurance.

• Any trip interruption due to a change in plans by you and your traveling companion or failure to obtain passports or the necessary visas in time before departure
• Trips interrupted due to a traveler or their traveling companion’s pre-existing medical conditions
• Financial insolvency with default of an airline or cruise line on its obligations
• Acts of war whether declared or undeclared or an armed rebellion in a destination country
• Any trip lasting over 60 days

For the full list of what is and isn’t covered by trip interruption insurance provided through booking travel using your credit card, check your cardmember benefit guide. For any active purchased travel insurance policy, read the terms and conditions carefully.

What’s the difference between trip interruption insurance and trip cancellation coverage?

Trip interruption is often confused with trip cancellation insurance, but there are key differences between the two, notably the scope of coverage based on the timing of events. Trip interruption coverage starts on the day of your scheduled departure and ends on the day of your scheduled return home. Trip cancellation coverage begins once you’ve booked a trip using a credit card that offers this type of benefit, or from the day you purchase a travel insurance policy to protect your upcoming itinerary.

Examples of the differences between trip cancellation and interruption coverage

With trip interruption coverage, you can file a claim for reimbursement if a covered event happens after you leave for your trip. With trip cancellation coverage, you can file a claim for reimbursement if forced to cancel a trip for a covered reason prior to departure.

Interruption coverage to reimburse the cost of a ticket change fee to get home could apply if a passenger makes their initial flight, but the same pilots’ strike cancels their connecting flight.

Although it is not a substitute for travel cancellation insurance, trip interruption insurance can reimburse travelers for prepaid non-refundable land, air or cruise arrangements that are not used, as well as change fees and ground transportation. Terms and conditions apply to trip interruption provided as a credit card benefit, so read terms and conditions carefully.

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Credit cards

Chase Sapphire travel insurance benefits guide 2024

Stella Shon

Glen Luke Flanagan

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

Robin Saks Frankel

Updated 2:16 a.m. UTC June 27, 2024

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The Chase Sapphire suite of cards are some of the best credit cards for travel available. In addition to excellent rewards and redemption opportunities, they also offer a catalog of travel insurance benefits that can be paramount in the event of an emergency.

Whether your flight is canceled or your rental car gets a flat tire, you can tap into the complimentary benefits that come with ownership of the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® . In this guide, we’ll take a comprehensive look at these coverages and limitations, as well as the steps to file a claim.

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Chase Sapphire Preferred® Card

Welcome bonus.

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

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

• 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, 60,000 points are worth $750 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, 2027.
• Member FDIC

Chase Sapphire travel insurance overview

Chase is one of the most generous issuers when it comes to offering travel insurance benefits , particularly for its travel-focused Sapphire cards. The $95-annual-fee Chase Sapphire Preferred Card’s travel benefits and the $550-annual-fee Chase Sapphire Reserve’s travel benefits offer high coverage limits and industry-leading reimbursement terms, surpassing most other travel credit cards .

What Chase Sapphire travel insurance covers

To qualify for any of these complimentary protections, you must use your Chase Sapphire card to pay for a portion or all of your travel expenses, like your flight, hotel or rental car. Depending on the coverage, your immediate family members may also qualify for reimbursement — even if you’re not traveling with them.

Thinking about adding an authorized user to your Chase Sapphire Preferred card? Here are the benefits of adding a family member or trusted friend to your Sapphire Preferred

Trip cancellation and interruption insurance

If you need to cancel your trip or it’s interrupted due to an unforeseen circumstance, the Chase Sapphire cardholder and immediate family members can receive up to $10,000 per person and up to $20,000 total per eligible trip in reimbursement. 

If your claim is approved, trip cancellation and interruption insurance will provide reimbursement for non-refundable travel expenses, including flights, accommodations, excursions, and cruises. If you paid your travel expenses with Chase Ultimate Rewards® points , Chase will reimburse you at a rate of 1 cent per point.

For this benefit, your immediate family members do not have to be traveling with you as the primary cardholder, although you will have needed to pay for at least some of their travel expenses to qualify. Here are some examples of situations where trip cancellation and interruption insurance may kick in:

• Accidental injury, illness or death.
• Severe weather.
• Change in military orders for you or your spouse.
• Jury duty. 
• Permanent residence or travel accommodations become uninhabitable.
• Organized public transportation strike.

Trip delay reimbursement

Next time you’re stuck in a rolling delay by a common carrier, you and your family members can be covered for reasonable expenses like meals, lodging and toiletries with trip delay reimbursement. 

The Chase Sapphire Preferred provides up to $500 in reimbursement for each ticket when you are delayed more than 12 hours or requires an overnight stay. The Chase Sapphire Reserve provides the same coverage limits, but offers reimbursement for delays of six hours or more (or requires an overnight stay).

Baggage delay insurance

If you don’t receive your baggage for more than six hours, you can receive up to $100 per day — for a maximum of five days total. Baggage delay insurance will reimburse you to help purchase essential items that you may need in your bag, like clothing, toiletries, chargers, and more. This coverage applies to you and immediate family members that are impacted by delayed or misdirected baggage. 

Lost luggage reimbursement

On a similar note, if your luggage is lost by the common carrier altogether, this coverage can help to recoup some of those costs with your carry-on or checked bag. 

With either Chase Sapphire card, you can receive up to $3,000 per covered person per trip. It’s worth noting that within this coverage, there’s a $500 limit for jewelry and watches, as well as another $500 limit for cameras and other electronic equipment. 

Primary rental car insurance

When renting an eligible car for up to 31 consecutive days, Chase provides primary rental car insurance that covers theft and damage. The coverage limits are slightly different between the Chase Sapphire cards. While the more premium Chase Sapphire Reserve provides up to $75,000 in coverage, the Chase Sapphire Preferred provides reimbursement “up to the actual cash value of most rented cars”.

In either case, you’ll need to pay for the entire car rental with your Chase Sapphire card and decline the rental car company’s collision damage waiver as “accepting this coverage will cancel out your benefit”.

Roadside assistance

Chase offers a complimentary roadside assistance referral program for Sapphire Reserve cardholders that’s available 24/7 within the U.S. and Canada. Whether you’re driving your own car or a rental vehicle, cardholders can contact the Cross Country Motor Club at 1-866-860-7978 for towing, jump starts, fuel delivery and more. You can receive up to $50 in reimbursement for up to four service events per year.

On the other hand, Chase Sapphire Preferred cardholders can reach out to a pay-per-use roadside dispatch program, available 24/7 within the U.S by calling 1-800-847-2869. Cardholders are required to pay for all services rendered at a pre-negotiated fee. 

Travel and emergency assistance services

The Chase Sapphire cards offer travel and emergency assistance services to the primary cardholder, as well as spouse and dependent children under the age of 22, even if they’re not traveling with you at the moment. 

Travel and emergency assistance services can provide medical or legal referrals, or transportation coordination 24/7, but like roadside dispatch, the cardholder is financially responsible for any services rendered. 

What Chase Sapphire travel insurance doesn’t cover

While each coverage comes with specific details outlined within each benefits guide, here’s an overview of some noteworthy exclusions: 

• Trip cancellation and interruption insurance does not cover a change in plans or financial circumstances; pre-existing conditions; travel during civil unrest or war; failure to obtain necessary travel documents; and more.
• Trip delay reimbursement does not cover delays due to a covered hazard made public or prepaid expenses related to your covered trip.
• Baggage delay insurance does not cover prosthetic devices; any loss resulting from war or civil unrest; money and securities; and more.
• Lost luggage reimbursement does not cover items that have been removed from carry-on luggage by you or inadvertently left behind; money and securities; and more.
• Primary rental car insurance does not cover rentals over 31 days; as well as high-value vehicles (Chase Sapphire Preferred); antique vehicles; cargo vans; motorcycles or mopeds; limousines; and more.

Additional coverage by the Chase Sapphire Reserve

While the Chase Sapphire Reserve® comes with a costly $550 annual fee, this premium travel card offers a leg up on the Chase Sapphire Preferred® Card , providing a few additional benefits when traveling:

• Emergency evacuation and transportation: This benefit can cover up to $100,000 in necessary emergency travel evacuation and transportation services for you, your spouse, and eligible dependent children as a result of injury or sickness. 
• Emergency medical and dental benefit: You can receive up to $2,500 for emergency treatment and medical expenses for accidental injury or illness, subject to a $50 deductible. 
• Travel accident insurance: You can receive reimbursement for accidental death, dismemberment, or a combination of loss of speech, sight or hearing, up to $1 million when traveling on a common carrier, or up to $100,000 during your trip. While the Sapphire Preferred also offers this benefit, the common carrier coverage amount is lower. 

How Chase Sapphire travel insurance works

Each coverage has specific terms and criteria you’ll need to meet before filing a claim with supporting documentation. For example, you can qualify for trip cancellation and interruption insurance by paying a portion of your travels with a Chase Sapphire card, while primary auto collision damage waiver requires you to pay for your entire rental with the card. 

Once you submit your claim and it’s approved by the benefits administrator, you can receive reimbursement up to the coverage limits stated. If you’re interested in learning more about each coverage, you’ll want to review the benefits guide for the Chase Sapphire Preferred and the Chase Sapphire Reserve to see a full list of limitations. 

How to claim your Chase Sapphire travel insurance

If you’re ready to file a Chase travel insurance claim, you’ll need to provide your documentation within the deadlines below or “as soon as reasonably possible” by calling the Benefits Administrator or starting your claim online via www.eclaimsline.com .

• Trip cancellation and interruption insurance: Start your claim within 20 days of the cancellation or interruption; then, fill out a form and provide documentation within 90 days.
• Trip delay reimbursement: Start your claim within 60 days of the incident; then, fill out a form and provide documentation within 100 days.
• Baggage delay insurance: Start your claim within 20 days of the delay; then, fill out a form and provide documentation within 90 days. 
• Lost luggage reimbursement: Start your claim within 20 days of the incident; then, fill out a form and provide documentation within 90 days.
• Primary rental car insurance: Start your claim within 100 days of the incident; then, submit the documentation within 120 to 365 days. 
• Emergency evacuation and transportation (Chase Sapphire Reserve only): Call the Benefits Administrator immediately; then submit a claim and documentation within 180 days.
• Emergency medical and dental benefit (Chase Sapphire Reserve only): Call the Benefits Administrator within 90 days of receiving medical care; then submit a claim and documentation within 180 days.
• Travel accident insurance: Call the Benefits Administrator within 20 days of the incident; then submit a claim and documentation within 90 days. 

Chase Sapphire Preferred vs. Sapphire Reserve: What’s the difference?

While the Chase Sapphire Reserve offers a bit more well-rounded travel coverages, we’ll also compare the rest of the Reserve card’s benefits to the Chase Sapphire Preferred’s travel benefits .

Which of the two cards is right for you? We’ll break down the details between the Chase Sapphire Preferred vs. Chase Sapphire Reserve to help you decide

Frequently asked questions (FAQs)

Both the Chase Sapphire Reserve and the Chase Sapphire Preferred cards offer trip cancellation insurance through a third-party provider. The issuer itself does not reimburse you for any claims you might make.

You can file a claim for Chase Sapphire travel insurance coverage anytime by visiting www.eclaimsline.com . For Chase Sapphire Preferred travel protection, call 1-888-320-9961 (within the U.S.) or 1-804-673-1691 (international). Chase Sapphire Reserve cardholders can call 1-888-675-1461 (within the U.S.) or 1-804-281-5772 (international). 

Although the Chase Sapphire Reserve offers some coverage for a canceled or delayed trip, its limits are low compared to comprehensive travel insurance that you purchase from a third party. It also only provides $2,500 in emergency medical benefits, which may be woefully inadequate if you need medical attention abroad. 

If you are planning an expensive trip or traveling internationally, you should consider buying a travel insurance plan with more robust limits to supplement the coverage Chase Sapphire Reserve provides. It’s recommended that you have at least $50,000 when traveling abroad and $100,000 if you’re traveling to a remote area or taking a cruise.

For Chase Sapphire Preferred travel insurance, call 1-888-320-9961 (within the U.S.) or 1-804-673-1691 (international).

Some of the covered reasons for trip cancellation available to Chase Sapphire Reserve and Sapphire Preferred cardmembers include sickness and severe weather. If your trip is canceled for a covered reason, 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.

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.

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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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• Airport lounges
• Dining & experiences
• Not a cardmember? Learn more

Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card * each year. Each year, your first $300 in travel purchases will not earn rewards points. *

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. *

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. *

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. *

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. *

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. *

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. *

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. * For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. *   Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. *

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. *

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. Offer ends 12/31/2024 . *

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. * This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. * That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. * From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

From ordering your favorite gourmet takeout to restocking your groceries with a free DashPass membership on both DoorDash and Caviar. You’ll pay a $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027 * . Plus DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account * and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos. *

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. *

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. *

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. *

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & vet services by September 30, 2024. *

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® and Amazon.com. *

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select. *

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind *

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

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.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

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.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

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 $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

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.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection *

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. *

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. *

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. *

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. *

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service *

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

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.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app * to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. *

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). *

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & vet services by September 30, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

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Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

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Es posible que esta comunicación contenga información acerca de usted o su cuenta. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.

View the details of the Sapphire Reserve benefits offered on this page.

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Chase Sapphire Reserve Trip Cancellation and Trip Interruption Insurance Benefit

The Chase Sapphire Reserve offers Trip Cancellation and Trip Interruption Insurance Coverage , and it's one of the card's benefits that I'm asked about most. Since (thankfully) I haven't had occasion to file a claim, I called the 888-675-1461 number on the Guide to Benefits and also looked at Flyertalkers' experiences with getting reimbursed to put together the following FAQ.

Chase Sapphire Reserve Trip Cancellation and Trip Interruption Coverage

What is Covered for Trip Cancellation or Trip Interruption?

The Sapphire Reserve's trip cancellation coverage kicks in if one of the following happens to you or an immediate family member (spouse or domestic partner, children including adopted children or step-children, siblings or siblings-in-law, parents or parents-in-law, grandparents or grandchildren, aunts or uncles, nieces or nephews):

• Accidental bodily injury, loss of life or sickness affecting you, a traveling companion, or immediate family member of you or a traveling companion
• Severe weather that prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
• Change in military orders for you, your Spouse, or your Domestic Partner
• A terrorist incident or hijacking
• A call to jury dutyor receiving a subpoena from the courts, neither of which can be postponed or waived
• Your or your Traveling Companion's dwelling becomes uninhabitable
• Quarantine imposed by a Physician for health reasons
• Financial insolvency of the Travel Supplier, Tour Operator or Travel Agency you used to book the trip
• Common Carrier, Tour Operator or Travel Agency cancels or changes your trip arrangements UNLESS the cancellation is the result of severe weather or an organized strike affecting public transportation
• You or your Traveling Companion change your travel plans, or have a change in financial circumstances or in your business or contractual obligations, such as a job loss
• A health issue that is linked to any type of pre-existing condition for you, your Traveling Companion or your immediate family
• Any accident, bodily harm or loss caused by or resulting from an illegal act, participating in a speed contest or professional sporting activity for which money is received, rocket propelled flight, suicide or attempted suicide, declared or undeclared war, or when the U.S. has imposed trade or economic sanctions or other legal prohibition prohibiting insurance of any Accident, Accidental Bodily Injury or loss
• Traveling against the advice of a Physician
• Traveling while on a waiting list for a medical treatment or traveling in order to obtain medical treatment
• Traveling in the third trimester (7th month or later) of pregnancy
• Traveling with a Pre-Existing Condition
• Common Carrier caused delays UNLESS they are a result of an organized strike that affects public transportation
• Travel arrangements canceled or changed by a Common Carrier, travel agent or Tour Operator UNLESS the cancellation is the result of severe weather or an organized strike affecting public transportation
• Confirmation of the cancellation of Common Carrier tickets/reservations, including the non-refundable common carrier tickets and travel reservations
• Cancellation or refund policies of Common Carrier/Travel Supplier
• Copy of your credit card statement showing at least partial purchase of the Common Carrier ticket or travel arrangements with your Chase Sapphire Reserve card, also showing your name and address
• Completed physician form (see below) if applicable
• Date of accident, injury or illness
• Please describe the nature of the patient's injuries or illness
• Was this a referral from another doctor? If yes, provide the date of referral
• Was the patient hospitalized? If yes, list the names and locations of all hospitals and all admission/discharge dates
• Was the patient recommended by you to curtail their trip/travel due to this condition? If yes, provide the travel restriction dates advised.
• Did this travel restriction affect any other family members or travel companions? If yes, why did family member/travel companion need to curtail their travel?
• Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? If yes, please describe.
• For pregnancy, provide estimated date of conception.
• At what date did patient originally begin treatment with this previous condition?
• Was the patient's previous condition stable at least 60 days prior to booking the trip? Please describe

What Is an Actual Experience with a Trip Cancellation Claim?

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All About the Chase Sapphire Trip Cancellation and Trip Interruption Insurance

Reviewed by Ryan Smith

AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers .

It can be hard to decide which cards to add to your rewards-earning portfolio since each card has its own perks. For example, the IHG One Rewards Premier Credit Card has an anniversary free night certificate while the Chase Sapphire Preferred ® Card earns bonus points on travel spending and has excellent benefits.

You need to carefully examine your travel goals and understand each card's benefits when deciding which cards to apply for.  We've detailed how the Sapphire Preferred covers you with primary auto rental collision damage waiver (CDW) . We've also covered the many benefits of the Chase Sapphire Reserve ® . In this post, we want to expand on the Chase trip cancellation and trip interruption insurance offered by both Sapphire cards.

Page Contents

Chase Sapphire Reserve vs. Chase Sapphire Preferred trip cancellation

What is trip interruption insurance, who does the chase sapphire trip cancellation cover, what counts as a covered trip, what counts as a covered loss, chase sapphire flight cancellation insurance, not covered by either:, additional items not covered by trip cancellation:, additional items not covered by trip interruption:, how to file a claim, ink business preferred ® credit card trip cancellation and trip interruption, final thoughts, what is chase sapphire trip cancellation insurance.

Chase Sapphire trip cancellation insurance insures you and your immediate family members when a covered loss prevents you from traveling and results in the cancellation of your travel plans. You'll be reimbursed up to $10,000 per person and up to $20,000 total per covered trip. There is a maximum of $40,000 per 12-month period.

Here's an example: Let's say a family of four uses their card to pay for a trip that's canceled due to covered reasons. The cost of the trip was $6,000 per person for a total of $24,000. In this case, they would be reimbursed $20,000 since that is the maximum amount per trip.

There are two Chase Sapphire cards: the Sapphire Preferred and the Sapphire Reserve . Each offers Chase trip cancellation insurance. There are no differences between the two cards for the type of trip cancellation insurance offerings.

Chase Sapphire trip interruption insurance includes the same coverage amounts as the trip cancellation insurance but covers you during your trip instead of before it.

Simply put, Chase trip cancellation insurance covers you from the moment you book your trip until the location and time of your departure. Meanwhile, Chase trip interruption insurance covers you from the moment you depart until you return home.

This insurance covers the primary cardholder and their immediate family. Chase has a fairly broad definition of immediate family, which includes:

• Spouse or domestic partner and their parents
• Children (including stepchildren)
• Parents (including stepparents)
• Brothers and sisters
• Grandparents and grandchildren
• Aunts, uncles, nieces, and nephews
• Legal guardians and wards
• Spouses and domestic partners of any of the people listed

Furthermore, the cardholder does not have to be present with the people traveling for the coverage to be in effect.

Chase defines a covered trip as a travel booking where any portion of the cost has been charged to the cardholder's account or where Chase Ultimate Rewards from the cardholder's account were redeemed for the booking.

Chase trip cancellation insurance covers you even if you only paid a small portion of the expense with your card. For example, if you used your Sapphire Preferred or Sapphire Reserve to pay for the taxes and fees associated with an award booking from a different award program, that should invoke coverage.

Chase defines a covered loss as any of the following:

• Accidental bodily injury, loss of life, or sickness experienced by you, a traveling companion, or an immediate family member of you or a traveling companion.
• Severe weather that prevents a reasonable and prudent person from beginning or continuing on a covered trip.
• Named storm warning.
• Change in military orders for you, your spouse, or your domestic partner.
• A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived.
• Finding you or your traveling companion’s place of permanent residency to be uninhabitable by being burglarized, or damaged from fire or flood.
• You or your traveling companion’s lodging accommodations become uninhabitable.
• Death or hospitalization of you or your travel companion's host at your destination.
• An organized strike affecting public transportation and causing you to miss either 20% of the trip's duration or the departure of a prepaid cruise or tour.
• Quarantine imposed by a physician for health reasons.

Additionally, these are specific to Chase trip cancellation insurance only:

• A terrorist incident within 25 miles of your home or destination within 30 days of your trip.
• A travel warning related to terrorism is issued in you or your traveling companion's city of residence within 10 days of your trip departure or at your destination within 30 days of your arrival.

These items are specific to Chase trip interruption insurance only:

• Terrorist incident within 25 miles of an airport, confirmed lodging, or host at a destination in your itinerary.
• Travel warning due to terrorism issued by a U.S. government agency within 25 miles of an airport, confirmed lodging, or host at your destination that's issued during your or your traveling companion's trip

You'll notice the absence of any delays or cancellations by the carrier, travel agency, or tour operator (unless the cancellation is caused by severe weather or organized strikes). This means that missed connections and stays due to delays aren't covered. Neither is the financial insolvency of your travel provider.

However, under certain circumstances, some costs associated with delays will be covered by another benefit called trip delay reimbursement, detailed in the Sapphire Preferred Benefits Guide .

Another instance where trip delay might come into play is if your flight is canceled. Chase Sapphire flight cancellation insurance falls under Chase's trip delay protection. Trip delay kicks in after a delay of six hours for the Sapphire Reserve or 12+ hours or a forced overnight stay for the Sapphire Preferred .

These delays would likely be the case with a canceled flight. You can claim up to $500 of “reasonable expenses” for each ticket purchased with your Sapphire card. Chase defines reasonable expenses as:

“ Re asonable additional expenses incurred during a Covered Trip delay, including meals, lodging, toiletries and medication. This benefit applies to reasonable expenses incurred during Your delay not otherwise covered by Your Common Carrier, another party, or Your primary personal insurance policy. You will be refunded the excess amount (up to the maximum) once all other reimbursement has been exhausted up to the limit of liability.

You'll find more details in our post about Chase Sapphire Reserve travel and purchase insurance benefits . We also have an article covering how to file a flight delay claim with Chase .

What Isn't Covered?

The coverage is slightly different between the Chase Sapphire trip cancellation and Chase Sapphire trip interruption insurance protections. Here are the details.

• Change in your financial or business circumstances.
• Pre-existing conditions.
• Any accident, injury, or loss caused by attempting anything illegal including street racing, any professional sport for which you are paid or receive a prize, suicide or self-harm, war, flying on a rocket-propelled aircraft, and where there are U.S. trade and economic sanctions in place.
• Any loss due to the voluntary surrender of unused vouchers, tickets, credits, coupons, or travel privileges.
• Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy.
• Any loss for any trip booked while on a waiting list for specified medical treatment or losses related to trips you took for medical treatments.
• Disinclination to travel due to civil unrest or a pandemic.
• Failure of you or your travel companion to obtain necessary visas, passports, or other documents required for travel.
• Areas with known terrorist activity.
• Terrorist incidents or warnings within 25 miles of you or your travel companion's permanent residence, or the airport or lodging accommodations for your trip within 30 days of your original trip deposit.
• When travel arrangements are canceled or changed by the carrier, travel agency, or tour operator unless severe weather or a strike.

It's important to note that we have summarized what is and isn't included, but we highly recommend you read the full list in the trip cancellation and trip interruption section of the Sapphire Preferred Benefits Guide and Sapphire Reserve Guide to Benefits .

To file a claim, you must contact the Benefit Administrator at 888-320-9961 within 20 days of the incident.

You will be asked a set of questions so the administrator can send you the correct forms. Then, gather the necessary documents to send in. Some documents that may be required include:

• Completed claim form.
• Copy of the travel itinerary.
• Confirmation of the reason for the trip cancellation or trip interruption — for example, medical documents, death certificate, or other documentation supporting a covered loss.
• Copy of the credit card statement showing the charge for prepaid travel arrangements for trip cancellation.
• Proof of expenses incurred due to a trip interruption.
• Copy of the cancellation or refund policies of the common carrier, tour operator, or travel supplier.

You can submit them to the following address:

Plan Administrator Card Benefit Services P.O. Box 72034 Richmond, VA 23255

You have 90 days (or a reasonable amount of time, no longer than one year) to submit your supporting documents. Details can be found in the claim information section of the benefits guide.

You can also file a claim online at www.eclaimsline.com .

The Sapphire Preferred and Sapphire Reserve are not the only Chase cards with trip cancellation and trip interruption insurance. The trip interruption and cancellation insurance offered by the Ink Preferred will cover up to $5,000 per person and $10,000 per trip in prepaid or non-refundable travel expenses if a trip is canceled or cut short by a covered situation as per the Ink Preferred Benefits Guide (warning: PDF). Note that there is a $20,000 maximum per 12-month period.

The policy covers the cardholder, immediate family members, and employees of the company for which the Ink Preferred account is issued, meaning you can claim on employee trips that go awry. It also covers trips purchased using Ultimate Rewards points from the account, which will be reimbursed at 1 cent per point.

Related: Best Credit Cards With Free Travel Insurance

It may seem like a large amount of information to sift through, but having a deeper understanding of how the benefits work, what is covered, and what is required to file a claim can save you thousands of dollars and a big headache down the road.

By understanding the Chase Sapphire trip cancellation and trip interruption insurance on your Sapphire Preferred or Sapphire Reserve , you might find out that you're already covered without the need to spend anything extra on third-party insurance.

To learn more about these cards, check out our full Chase Sapphire Reserve review and Chase Sapphire Preferred review .

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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These benefits all carry over onto the Ritz card as well, correct?

There are a lot of similarities, yes. You can find the benefits guide here https://creditcards.chase.com/marriott/cardmember/ritz-carlton/benefits and our review here https://awardwallet.com/blog/the-ritz-carlton-rewards-visa-infinite-credit-card/

And I wonder how easy or difficult it is to get paid on a claim. I know from using other premium credit cards you go to the same third party service. I have never had it easy to collect.

Unfortunately, you’ve hit the nail on the head. Persistence and having all of your documents super organized can help.

I was traveling in Venezuela and I arrived 1 hr 50 min before my flight, my ticket said arrive 2-4 hours before. At this airport there are not that many flights out of the country and all the security leave exactly at 9 am. It isn’t mentioned anywhere, so I had to buy another ticket for the next day. Would this be covered?

That’s a really niche case. I’d reach out to Chase’s benefits administrator to ask if they cover that.

If I miss my flight connection due to weather and need an overnight stay, will this be covered by Trip Delay insurance? If so, would this be true for tight connections which are considered legal connections by the carrier?

In the first case, yes, Chase’s trip insurance will cover it (on eligible cards). However, for tight connections that you miss due to the airline’s fault, you’re typically going to need to get the airline to cover your expenses.

For the CSR, “Covered Hazards” are: “equipment failure, inclement weather, strike and hijacking/skyjacking”

What about cancelling trip for June 8 th to Europe due to the virus?

I think the only answer is to submit a claim online or call and see.

My doctor recommends I cancel my travel plans to Hawaii due to the Corona virus outbreak. Though I don’t have the virus I do have a pre-existing condition (high blood pressure) that put me in the high risk pool. Will my trip cancellation benefit with Sapphire Reserve cover me?

Hey Ron, it’s been really hard to get a clear read on the exact policies. It seems like claims adjusters have a pretty wide scope for discretion. I’d absolutely file a claim and see what happens. Please keep us posted! It’s been hard to get good data points.

My father has cancer but is currently stable. I want to plan a family trip out of country. If I book airline tickets and hotels using the chase sapphire preferred card and last minute my father takes a turn for the worse and we can no longer travel, would that be covered by the trip cancellation policy or would it be considered pre-existing condition?

Is there an age limit for immediate family children on trip cancellation/interruption? If I book a trip using points outside of Ultimate Rewards, and pay the $5.60 security fee with the card, would my trip be covered? What if they additional expenses are put on another card?

I see that there is for trip delay, age 22. What if they are an authorized user on the card?

Thanks for your help! Hard understanding the best travel insurance now that Citi dropped everything.

Hey Matthew, authorized users should be covered regardless of age. I would definitely recommend looking at the full terms of the insurance policy to make sure you understand all the details.

If you pay the taxes of $5.60 on the card, the trip is covered. Here’s our list of card benefit guides: https://awardwallet.com/blog/master-list-credit-card-benefits-guides/

If you get sick in route to your next flight, does the trip interruption/cancellation benefit cover that?

I’m really not sure. I would imagine you’d have to make the case that a “prudent” person would not continue the trip. I would guess the claims examiner would want to see a doctor’s note advising you not to travel at the very least.

I reserved a hotel with a no cancellation provision on Chase sapphire reserve) My mother has just been pit into hospice. Can I cancel and file a claim if the hotel will not cancel. .

Sorry to hear about your mom. Not sure if a family medical emergency is a covered trip cancellation reason, but worth investigating (with Chase) for sure.

It is just a joke for Chase travel protection. Their system is really complicated and require you to upload a lot of documents. Then they will pretend stupid saying some of the document are missing but didn’t tell you what it is. If you keep calling them, they will ask you to upload the documents again and again. Eventually if they feel you are serious, they will give you $10 like dealing with a beggar

Traveling to FLL this weekend. Hurricane supposed to hit thats spot. Would i be able to cancel hotel, car and flights?

Hey Mike, severe weather is included in the list of covered reasons. The trip cancellation language describes the following as a Covered Loss: “Severe weather which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip”

I’d recommend contacting the number on the back of your card to discuss the coverage and claim documentation requirements.

I’m glad someone had a better experience with them. I am still dealing with them almost 2 months later. They didn’t like how my doctor filled out the physician form that I waited a month to get back from him, and they don’t like that I don’t have any official cancellation letter from Frontier, since I was told we couldn’t go on the trip after we had already checked in and I couldn’t get through to Frontier to cancel, so we just didn’t show up. I can get them to tell me on the phone they could see we never checked in, but can’t send me anything official to that effect.

Just had a return flight canceled on me a few weeks back, got stranded overnight and sent to a different airport on my return – $160 for hotel and $140 for Uber to get home, since my car was elsewhere. I was asked for one additional document after my initial claim was filed, and then 3 days later I had a full refund of $300 in hand. Excellent customer service!

I keep the Chase Reserve strictly for peace of mind when it comes to things like this – glad to see they followed through on their end. Hardest part was getting a document from American Airlines about the canceled flight… other than that, smooth sailing. The card has paid for itself now with just one claim!

Why was your flight canceled? We are getting so screwed on canceled flights booked through Kiwi (ie they are not doing anything about that the flights are just gone and give us just outrageous options for rebooking) and are hoping to get *some* amount back as it was booked on Chase but not really feeling too confident…

I completely tore my ACL and I’m waiting for surgery in May. I am not supposed to travel for about 3 months, my trip is scheduled for the end of June. I bought 5 one way tickets (myself, husband and 3 children) to New York and 5 one way return tickets that are non-refundable. WIll this be covered by Chase Freedom signature?

Without knowing the exact details, it’s hard to say. Your best bet is to contact the Benefit’s Administrator on 1-888-320-9961. They will ask you to supply proof of the injury and a letter from your doctor saying you can’t travel.

My girlfriend was in an accident, where she was hit from the side by another driver. Completely his fault. I paid for a vacation to hawaii for us using my CC points for the flights, and credit for the resort stay…

two questions if you don’t mind… She is not allowed to do ANY excursions – even biking or hiking… due to 3 herniated disks in her back…

She is not my immediate family but my girlfriend for 3 years now…

Would I be able to get reimbursed if I cancelled everything? Both the points and the money?

Thanks in advance, we would prefer to do the trip when we can actually do more than lay around in the resort or on the beach.

Please call Chase and speak to benefit services to receive an official answer. My understanding is that you would not be covered as you are not related.

They said, i have to show proof of domestic partnership with two forms of shared finances – my lease counts as we live together and are both on it. As does the the chase card as she is an authorized user of the card… So with those two items, she is covered, as well as me. according to the claims benefits person i spoke with.

Hey Jason, so sorry to hear about the accident. Really appreciate you following up with the data point on how Chase handled your claim. I’m sure this will be helpful for other readers. Happy holidays!

Hello, We have a trip coming up next week to overseas. I just returned from Europe last week and have severe sinusitis and ear infection. I don’t think I’d be able to travel next week with my 2 kids. I bought the tickets on Chase Business Preferred Ink. Do you think with a doctor’s note, I’d be able to get reimbursed for the trip through the trip cancellation insurance? Has anyone had any experience?

Thanks for your help.

Based on this info, you should be eligible. Call the number on the back of your card to speak with the benefits administrator for what required documentation they’ll need.

Horrible customer service. Will try anything to deny claims.

Will be interesting to see if this earthquake in Lombok will be covered. Cancelled Trip since only out $250 in cancellation of flights from USA.

Was flying into Denpasar (Bali) then was to take a boat to Gili Islands / Lombok but didn’t have anything else booked in advance.

Per Chase Benefits, earthquakes aren’t covered under the clause “Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip” since earthquakes aren’t weather.

I used trip cancellation benefit and claim process was very simple. WE uploaded documents like doctors note, airline cancellation policy, Airbnb cancellation policy detailed itinerary and got full refund. Very happy to have this card.

Is it necessary to call and specifically cancel the flights that I can’t take due to a medical condition or is it the same if I don’t show up for the flight.

You *should* call, but are not required as I understand.

Does this insurance cover emergency flights home for illness?

Yes, but please read the terms in entirety to review your specific scenario.

Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

Chase Sapphire Reserve Amex Platinum Trip delay insurance Up to $500 per ticket when you're delayed by six-plus hours or overnight. Up to $500 per covered trip when you're delayed by six-plus hours, with a maximum of two claims per eligible card within a 12-month period.* Baggage delay insurance Up to $100 per day for up to five days when your baggage is delayed by six-plus hours. None. Trip cancellation/interruption insurance Up to $10,000 per person, up to $20,000 per trip Up to $10,000 per trip and up to $20,000 per card per 12-month period.* Auto rental collision damage waiver Primary insurance up to $75,000 for theft and collision damage. Secondary insurance up to $75,000 for theft, damage, loss of use and other fees.^ Emergency medical and dental benefit Up to $2,500 for emergency medical expenses, subject to a $50 deductible.

Up to $75 per day for up to five days for a hotel room after a hospital stay.

None. Emergency evacuation insurance Up to $100,000 when you pay for at least part of your common carrier travel with the card. Evacuation must be preapproved by the benefit administrator in order to be covered. Can be provided at no cost to you if coordinated through and approved by the Premium Global Assist Hotline.# Lost luggage reimbursement Up to $3,000 per person, with a $500 cap on jewelry and watches and a $500 cap on cameras and other electronic equipment. Up to $3,000 per person (up to $2,000 for checked luggage) when traveling on a common carrier, with a $1,000-per-person cap on high-value items. For New York state residents, there is a maximum of $2,000 per bag for each person with a $10,000 aggregate maximum for all covered bags and covered persons on the trip. The entire fare for your trip (one-way or round-trip) must be paid for with your eligible card for this benefit to take effect.† Roadside assistance Up to $50 per service event, up to four times per year. None. Travel accident insurance Up to $1 million loss of life common carrier insurance per person.

Up to $100,000 loss of life travel accident insurance per person.

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

• Chase Sapphire Reserve benefits guide
• Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you may gather from the above table, the primary differences in trip delay coverage are:

• The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
• The Amex Platinum doesn't cover overnight delays that are less than six hours.
• The Amex Platinum caps your claims to two per 12-month period.
• The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
• The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

• The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
• The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
• The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
• The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
• The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

• The Chase Sapphire Reserve covers more types of vehicles.
• The Chase Sapphire Reserve provides primary coverage.
• The Chase Sapphire Reserve doesn't have country exclusions.
• The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
• While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

• You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
• The Chase Sapphire Reserve has stricter requirements for trip length.
• Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

• The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
• The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
• The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

• Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
• Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
• No requirement for round-trip travel.
• Provides trip delay benefits if you're delayed overnight for less than six hours.
• Provides primary car rental coverage.
• Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
• Includes strikes as an eligible reason for trip delay insurance.
• May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

• Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
• Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
• May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
• Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
• Has a higher cap on high-value items for lost, damaged or stolen baggage.
• Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

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Chase Trip Cancellation Insurance: What to Know

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Chase offers consumers several travel rewards credit cards , most of which help you earn points for a trip and offer travel protections should your journey go differently than expected. These benefits can help give you peace of mind and reduce stress, especially if your trip gets canceled.

Many Chase cards offer travel coverage that includes trip cancellation insurance, among other protections. Let’s take a look at Chase trip cancellation insurance, which cards provide it and what this benefit covers.

What is trip cancellation insurance?

Trip cancellation insurance can reimburse your prepaid, nonrefundable expenses — such as flights, hotel reservations or a cruise — should your trip be canceled due to unforeseen circumstances, such as extreme weather, an accident or a death in the family.

Coverage begins on the date you make your initial trip deposit and ends when you depart for your trip.

» Learn more: Does my Chase credit card have travel insurance?

Chase cards that come with trip cancellation insurance

The following cards include Chase trip cancellation insurance:

» Learn more: How does credit card travel insurance work?

What does Chase trip cancellation insurance cover?

Chase travel insurance covers nonrefundable prepaid travel expenses such as flights, hotels, cruises, train tickets and tours — whether you book with a travel agency or directly with the travel provider.

The benefits kick in when one of the following reasons occurs:

Accidental bodily injury, sickness or loss of life experienced by you or an immediate family member.

Severe weather.

Named storm warning.

Change in military orders for you or your spouse.

A call to jury duty or a court subpoena.

Fire, flood or a burglary to your or your traveling companion’s residence.

The death or hospitalization of your or your travel companion’s host at the destination.

Doctor-imposed quarantine.

Organized strikes affecting public transportation.

Terrorist incidents or travel warnings related to terrorism.

» Learn more: Will credit card travel insurance cover you on your next trip?

What isn’t covered by Chase trip cancellation insurance?

Event tickets, amusement park tickets, museum entry fees and golf course expenses aren’t eligible for reimbursement unless they’re included in a prepaid travel package.

Trip cancellation benefits don’t apply to losses caused by:

A change in plans or financial circumstances.

A pre-existing medical condition.

Loss due to voluntary surrender of unused tickets, vouchers or credits.

Travel arrangements scheduled after the 26th week of pregnancy.

Being on a waitlist for a medical treatment.

Trips taken for the purpose of obtaining medical treatment.

Unwillingness to travel due to civil unrest.

Failure to obtain required visas, passports or other paperwork necessary for travel.

Commission of illegal acts.

Attempted suicide or self-inflicted injuries.

Being under the influence of drugs.

Disinclination to travel or border closures resulting from a pandemic.

Financial insolvency of the common carrier, travel agency or tour operator.

War, insurrection, rebellion or revolution (except terrorism).

» Learn more: The guide to Cancel For Any Reason (CFAR) travel insurance

Who is covered by Chase trip cancellation insurance?

As the primary cardholder, you’re covered. The trip cancellation insurance also extends to your immediate family members, including:

Parents, step-parents and/or legal guardians.

Spouses or domestic partners and their parents.

Children, including adopted children and step-children.

Grandparents and grandchildren.

Aunts and uncles.

Nieces and nephews.

Your immediate family members don’t have to be traveling with you for the benefits to apply to them as well. However, you must have used the Chase credit card that includes trip cancellation insurance to pay for their trip.

» Learn more: How to find the best travel insurance

Which trips are eligible for Chase trip cancellation insurance?

Eligible trips can’t exceed 60 consecutive travel days. If your trip is longer, the coverage is still available, but the eligible prepaid nonrefundable expenses would be reimbursed as a pro-rated sum up to the first 60 days.

You must pay for all or a portion of the trip using an eligible Chase credit card or Chase Ultimate Rewards® for it to be eligible for the trip cancellation benefits. If your canceled trip results in a future credit or voucher, it won’t be covered.

How to file a trip cancellation insurance claim with Chase

To file a Chase trip cancellation insurance claim, you must contact the benefits administrator within 20 days of the cancellation. You can do this by calling the phone number listed in your credit card’s guide to benefits. If you wish to file a claim online, you can visit www.eclaimsline.com .

You’ll have to provide the following documentation within 90 days to support your claim:

Completed and signed claim form.

Travel itinerary.

Documentation confirming the reason for trip cancellation, such as medical records or a death certificate.

Credit card account statement listing the transaction related to the trip.

Copies of the cancellation and refund policies from the travel provider.

Any unused credits or vouchers.

» Learn more: Airline travel insurance vs. your credit card’s

Chase trip cancellation insurance recapped

Holding a credit card that provides travel insurance can help put your mind at ease when unexpected problems arise.

Chase’s insurance benefits cover you and your family members against expenses incurred due to trip cancellation, among other things.

However, it’s important to know what’s covered by the policy and what isn’t. Additionally, you’ll want to keep track of all documentation related to the cancellation and submit it before the deadline to receive reimbursement.

The information related to the Chase Freedom® credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

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 a similar note...

Krasnodar Krai Travel Guide: All You Need To Know

Krasnodar Krai, often referred to as Krasnodar, is a federal subject (krai) of Russia located in the Southern Federal District. It is known for its diverse landscapes, including the Black Sea coastline, fertile farmland, and the Caucasus Mountains. The administrative center of Krasnodar Krai is the city of Krasnodar. Here’s some information about Krasnodar Krai:

Places to Visit in Krasnodar Krai: Sochi: This coastal city on the Black Sea is famous for its subtropical climate, beautiful beaches, and the host of the 2014 Winter Olympics. Visit the Sochi Arboretum, Rosa Khutor Alpine Ski Resort, and the Black Sea coast.

Krasnodar: Explore the largest city in the region, known for its parks, cultural attractions, and the Krasnodar Stadium. The Krasnodar Park and Safari Park are popular.

Anapa: A popular seaside resort town with sandy beaches, historical sites, and a mild climate.

Caucasus Mountains: Hike and explore the stunning landscapes of the Caucasus Mountains, including the Sochi National Park and Krasnaya Polyana.

Adler: A city near Sochi, known for its beautiful beachfront and proximity to the Adler Arena Skating Center.

Abrau-Dyurso: Visit the famous Abrau-Dyurso wine estate, known for its sparkling wines, and enjoy wine tasting.

Best Time to Visit Krasnodar Krai: Summer (June to August): The summer months are ideal for visiting Krasnodar Krai, especially the coastal areas, as the weather is warm and beach activities are in full swing.

Spring and Early Autumn: Spring (April to May) and early autumn (September to October) are also pleasant, with milder temperatures and fewer crowds.

Things to Do in Krasnodar Krai: Beach Activities: Enjoy swimming, sunbathing, water sports, and beachfront promenades along the Black Sea coast.

Outdoor Adventures: Explore the natural beauty of the region, including hiking, mountain biking, and winter sports in the Caucasus Mountains.

Cultural Exploration: Discover local traditions, museums, and historical sites to learn about the region’s rich heritage.

Wine Tasting: Visit vineyards and wineries in the region to sample local wines.

How to Get Around Krasnodar Krai: Public Transportation: Public buses, trams, and trolleybuses serve the major cities in Krasnodar Krai. Sochi, Krasnodar, and Anapa have well-developed public transportation networks.

Taxis: Taxis are readily available and can be used for short trips within the cities and for transportation to more remote areas.

Car Rental: Renting a car can be a convenient option for exploring the region, especially if you plan to visit various locations.

Domestic Flights: Major cities like Sochi and Krasnodar have airports with domestic flights connecting them to other Russian cities.

Where to Eat in Krasnodar Krai: Local Cuisine: Savor traditional Russian and Caucasian dishes, including shashlik (kebabs), borscht (beet soup), and local seafood in coastal areas.

Cafes and Restaurants: Explore cafes and restaurants offering international cuisine, including European, Asian, and Middle Eastern dishes.

Street Food: Try local snacks and street food from vendors in markets and along popular tourist areas.

Where to Stay in Krasnodar Krai: Krasnodar Krai offers a range of accommodation options, including hotels, guesthouses, hostels, and resorts. The coastal cities, such as Sochi and Adler, have a variety of lodging choices to suit different budgets and preferences.

Travel Tips for Krasnodar Krai: Language: Russian is the primary language spoken in Krasnodar Krai, so having some knowledge of the language can be helpful, especially in more remote areas.

Currency: The currency used in Krasnodar Krai is the Russian Ruble (RUB). Credit cards are widely accepted in hotels and restaurants, but it’s a good idea to carry cash for smaller establishments and markets.

Safety: Krasnodar Krai is generally safe for tourists, but, like in any travel, be cautious with your belongings and personal safety.

Climate: The climate in the coastal areas is milder compared to the mountainous regions. Be prepared for seasonal temperature variations.

Local Customs: Be respectful of local customs and traditions, particularly when visiting cultural or religious sites.

Transportation: Familiarize yourself with the local transportation system, and consider using taxis or ridesharing apps for convenience.

Krasnodar Krai offers a mix of natural beauty, cultural experiences, and outdoor adventures. By following these travel tips, you can have a memorable and enjoyable visit to this diverse and scenic region in southern Russia.

You might also enjoy:

Vladimir, russia: a timeless journey through the heart of the golden ring, baghmara travel guide: all you need to know, kilimanjaro region: where majestic peaks meet cultural riches, stone town travel guide: all you need to know, leave a comment cancel reply.

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