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Chase sapphire travel insurance: what it covers and how to use it.

Chase Sapphire cards provide protection for trip cancellations, trip delays, lost luggage, and more. Here’s your guide to everything this insurance does for you.

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Whether you're traveling domestically or abroad, going on a trip is an exciting way to see the world. But it can also be expensive, and the last thing you want is to end up losing your money if something goes wrong with your planned vacation.

The good news is, if you pay for your trip with your Chase Sapphire Preferred ® Card or Chase Sapphire Reserve ® , you should have coverage if your trip is cancelled or delayed or if you experience certain other losses along the way.

There are details you need to be aware of to take advantage of Chase Sapphire travel insurance, though, so it's important to read the fine print to make certain you're able to use this important cardholder benefit if something goes wrong. This complete guide to Chase Sapphire insurance will help you understand what you need to know.

What is travel insurance?

Quick look: chase sapphire travel insurance.

• Chase Sapphire Preferred travel insurance
• Chase Sapphire Reserve travel insurance

How to file a claim with Chase

Faqs about chase sapphire travel insurance, bottom line on chase travel insurance.

Travel insurance broadly refers to insurance that provides reimbursement when you suffer losses in conjunction with a trip. But lots of different things could go wrong when you’re traveling, so there are different kinds of insurance that cover different major and minor calamities. Although you can buy travel insurance through an agency or insurance company, many travel credit cards come with different types of travel insurance as an included benefit.

Some of the different types of travel insurance you may want when traveling include:

• Travel delay insurance : This covers you when your common carrier (cruise line, airline, tour operator, etc.) is delayed and you get stuck somewhere for a long time or you have to stay somewhere unexpected overnight.
• Trip cancellation insurance: If your trip is cancelled for a covered reason, such as severe weather, this insurance provides you reimbursement for non-refundable expenses.
• Baggage delay insurance: If your bags are delayed for a long time, this insurance covers costs you'll incur for essential purchases such as clean clothing and toiletries.
• Lost luggage insurance: If your baggage never shows up at all, you can get reimbursed for your lost luggage and the stuff inside it.
• Car rental insurance: Car rental insurance can cover you if your rental vehicle is lost, stolen, or damaged
• Roadside assistance: If you get stuck on the road, roadside assistance can come to your rescue and provide a tow, tire change, or other help.
• Travel accident insurance: If you get into an accident or die while on a trip, travel accident insurance can provide a payout to you or your loved ones.

Chase offers some of these insurance benefits, but there are differences in coverage when you compare the Sapphire Preferred vs. the Sapphire Reserve . This could impact which card you use to make a travel-related purchase or which card you apply for to begin with.

The table below shows some of the details about the travel insurance benefits on the Chase Sapphire Preferred and the Chase Sapphire Reserve cards.

Each of these different kinds of coverage come with limitations, restrictions, and qualifications that are important to be aware of if you're relying on the protections Chase is offering. Let's look at each type of coverage on each card in a little more detail.

Chase Sapphire Preferred ® Card travel insurance

While the benefits of the Chase Sapphire Preferred cover a number of different aspects, the travel benefits are a big draw for most cardholders. Here's what you need to know about using your travel insurance benefits available on the Chase Sapphire Preferred card.

Trip delay reimbursement

This provides coverage for the cardholder, the cardholder's spouse or domestic partner, and the cardholder's dependent children ages 22 and under when the trip is paid for with the Chase card. This coverage applies if your trip is delayed more than 12 hours or an overnight stay is required due to a delay.

Coverage is limited to one delay per covered trip and delays are covered only if they are caused by a common carrier and are in a city away from the cardholder's home. The maximum of $500 in benefits can be spent on reasonable expenses for meals, lodging, toiletries, medication, and other personal items. To be considered for reimbursement, the cardmember must notify Chase within 60 days of the delay.

Trip cancellation insurance

Cancellation insurance covers the cardholder and immediate family members if a trip is interrupted on the way to the point of departure or after you've left. It also provides coverage if a trip has to be postponed for a covered reason and fees are incurred due to rescheduling.

Covered losses include severe weather; terrorist actions; jury duty; court subpoenas; or accidental bodily injury, death, or sickness of the cardholder, immediate family, or a traveling companion. The cardholder doesn't need to be traveling with family for them to be covered, but the trip must be paid for by the Chase card.

The benefit is limited to $10,000 per covered trip and $20,000 per occurrence and benefits paid can't exceed $40,000 over 12 months. So if a family of five goes on a $30,000 trip, the maximum coverage is still $20,000 even though each individual family member would theoretically be entitled to $10,000 in reimbursement.

The coverage is secondary to other travel insurance or reimbursement from others, so if your cruise line or travel insurance policy offers any reimbursement, you have to go through them first.

Baggage delay insurance

The cardholder, spouse or domestic partner, and immediate family members are covered if a common carrier delays luggage for six or more hours. This coverage provides up to $100 per day for a maximum of five days to pay for essentials such as clothes, toiletries, and one cell phone charging cable.

This insurance is secondary to other reimbursement or travel insurance coverage, so claims have to be made with those other providers first. To get reimbursement from Chase, you have to file your claim within 20 days of the delay.

Lost luggage insurance

Checked and carry-on baggage are both covered, along with personal property in your suitcases or bags. The cardholder and immediate family members are covered, even if the cardholder isn't traveling with the family members.

The insurance provides up to $3,000 per insured person on each covered trip; however, coverage for jewelry, watches, and electronics is limited to $500 per person and there's no coverage for loss of money or travelers checks or for losses resulting from a war.

Claims have to be made within 20 days of the occurrence and the loss must have been reported to the carrier in a timely manner. Coverage is secondary, which means you have to try to get reimbursed by any other primary travel insurance or by the occupancy provider (hotel, etc.) or common carrier first.

Car rental insurance

The Chase cardholder and additional drivers on the rental agreement are covered by this policy, which provides reimbursement for collision or theft for rental vehicles in the U.S. and abroad. Coverage is secondary in your own country when renting for personal reasons, so you have to make a claim on your other auto insurance first. This isn't required if you're renting abroad.

You're covered for up to the actual value of the rental car, but won't be covered if you're renting the car for more than 31 consecutive days. Chase also excludes expensive, exotic, and antique automobiles as well as trucks, recreational vehicles, and large vans.

Travel accident insurance

If you pay with your Chase card, you're covered for $500,000 in benefits for loss of life if you have an accident while on a common carrier. You'll also get a payout for dismemberment or a loss of speech, sight, and hearing. The amount you get will depend on your injuries. If you have an accident at any other time, your maximum coverage is $100,000 for loss of life and you get partial compensation for dismemberment up to $100,000, depending on what injuries you sustained.

The cardholder and immediate family members are covered even if the cardholder isn't traveling with them as long as the cardholder files a written claim within 20 days of the incident. But if multiple eligible people are hurt, coverage can't exceed twice the applicable benefit amount ($500,000 or $100,000) and the total amount will be divided up among the eligible injured people.

Emotional distress is not covered, nor are injuries or deaths sustained in the commission of illegal acts or when car racing, parachute jumping, or participating in sports activities where potential prizes are at stake.

Bottom line on Chase Sapphire Preferred travel insurance

The Chase Sapphire Preferred provides similar travel insurance benefits to the Sapphire Reserve, which we’ll discuss in detail next. But with the Sapphire Preferred, your trip delay insurance doesn't kick in until 12 hours have passed instead of six with the Reserve and your travel accident insurance offers $500,000 in coverage instead of $1 million. You also won't get roadside assistance, though you can use roadside dispatch if you pay for it.

On the plus side, the Chase Sapphire Preferred card comes with a much lower annual fee ($95) than the Sapphire Reserve ($550). The Sapphire Preferred card also offers plenty of other travel-related benefits, including 5X points on travel purchased through Chase Travel℠,  2X bonus points on other travel purchases, and a 25% points bonus when you redeem your rewards for travel through the Chase Travel℠ portal .

Overall, the Chase Sapphire Preferred is a great choice for frequent jetsetters who want to be protected in case of a problem on their trip.

Chase Sapphire Reserve ® travel insurance

The benefits of the Chase Sapphire Reserve are plentiful, and there’s no shortage of travel-related perks with this card. Here's what you need to know about using the travel insurance benefits you're provided with as a Chase Sapphire Reserve cardholder.

When your common carrier delays your trip for six or more hours or a delay requires an overnight stay, you'll get up to $500 in coverage per purchased ticket. Cardholders, their spouses or domestic partners, and dependent children under age 22 are all covered.

However, coverage is limited to one covered hazard per trip, and you won't be covered for prepaid expenses or for covered hazard delays you knew about before departing. You have just 60 days to provide notice after a covered delay and you'll be reimbursed for reasonable additional expenses only.

This coverage kicks in if you can't go on your trip before it starts due to a covered loss. The cardholder and immediate family are covered even if the cardholder doesn't go along on the trip with family.

The maximum payout is $10,000 for each covered trip and $20,000 for each covered incident, with an aggregate maximum payout of $40,000 over a 12-month period. This means if a three-person family goes on a trip that costs $10,000 each, they would be entitled to a maximum payment of $20,000 if the trip is cancelled for all of them for a covered reason, even though they'd be out $10,000 that wasn't reimbursed.

Claims have to be made within 20 days after the occurrence that causes the trip cancellation, and there must have been a covered reason for cancelling such as severe weather; jury duty or a subpoena that can't be postponed; or accidental injury or death of the cardmember, an immediate family member, or a traveling companion. Coverage is secondary to other travel insurance or reimbursement from the common carrier or occupancy provider.

The cardholder, spouse or domestic partner, and immediate family members get up to $100 per day in coverage when a common carrier delays a bag for more than six hours. This $100 can be used to purchase one cell phone charging cable, clothing, toiletries, and other essential personal care items.

The cardholder has to file a claim within 20 days of the loss and reimbursement from Chase comes only after exhausting other travel insurance or seeking funds from the common carrier.

The cardholder and immediate family can be reimbursed up to $3,000 per person per trip for checked bags or carry-ons that are lost by a common carrier. Claims have to be made on other travel insurance policies or with the carrier first, though, and coverage is limited to $500 per person per covered trip for jewelry, watches, and electronics.

The cardholder has to report the loss right away to the common carrier and to Chase within 20 days and no coverage is provided for travelers checks, money or security, or losses resulting from war.

This provides reimbursement for up to $75,000 in losses for the cardholder and additional drivers if a rental vehicle is in an accident or stolen. The reservation for the car rental can't exceed 31 consecutive days, and expensive or antique vehicles are excluded.

The insurance coverage is primary, so there's no need to file a claim with other insurance first, but the entire rental transaction has to be completed with Chase and you have to decline the rental company’s auto rental collision damage waiver or loss damage waiver.

Roadside assistance

The cardholder and anyone driving a vehicle the cardholder owns or leases is eligible for roadside assistance 24/7. Coverage includes battery charges, flat tire changes, fuel delivery, help if you're locked out, and towing.

You're covered for a maximum of $50 per service event and get a maximum of four service events annually. If you're in an off-road area or in a place not regularly traveled, you won't be covered.

The cardholder and immediate family members get up to $1 million in coverage for accidents on a common carrier and $100,000 in coverage for other types of accidents on a trip. The $1 million is reserved for loss of life but a partial payout is available for dismemberment, loss of speech, loss of sight, or loss of hearing. The specific amount you'll receive depends on the nature of your injuries.

Chase doesn't provide payments for emotional trauma; dismemberment or death during a war; if you're hurt or killed during an illegal act or while on an aircraft not certified by or registered with the government; or if you get hurt racing cars, parachute jumping, or participating in competitive sports.

Bottom line on Chase Sapphire Reserve travel insurance

If you want coverage for shorter trip delays, need roadside assistance or want more travel accident insurance coverage, the Chase Sapphire Reserve is the ideal card for you.

The Sapphire Reserve also has a $550 annual fee, though. While you’ll earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases, and you’ll also enjoy a 50% redemption bonus when you redeem your Chase Ultimate Rewards through the Chase travel portal, you'll want to make sure other cardholder perks — such as a $300 annual travel credit and statement credit for TSA PreCheck or Global Entry application fees — make this card worth your while.

If you’re a regular traveler wanting to take advantage of the travel insurance protections this card offers, then the Chase Sapphire Reserve might be the best travel credit card to have in your wallet.

If you believe you have a valid claim under Chase's travel insurance, call 800-356-8955 to request a claim form. You can also submit a claim online at eclaimsonline.com .

To file your claim:

• Start by selecting the type of claim you wish to file
• Provide your personal details including your contact information
• Input details about your claim, including the type of loss you endured and the amount of financial damage you're seeking reimbursement for
• Be prepared to upload documentation such as receipts from expenses incurred; a statement from your common carrier detailing your delay or its refund or cancellation policy; a copy of your original tickets or receipts; and, if necessary, proof you filed a claim for reimbursement from your common carrier, auto insurer, or travel insurer
• Confirm the details and submit your claim

Chase may contact you to request that you provide additional details or documentation to support your claim.

Does Chase Sapphire cover missed flights?

Chase provides reimbursement for its list of covered losses only. Although you could potentially get some airfare costs covered if your airline delays your flight long enough that you miss your connection, you won't be covered by Chase if you simply get to the airport late and miss your flight.

Does Chase Sapphire travel insurance cover jury duty?

According to Chase, jury duty is a covered reason for cancelling your trip. So, your trip cancellation or trip interruption insurance provided by Chase should protect you from losses in the event that you are called to jury duty.

Does Chase travel insurance cover my immediate family members?

Chase travel insurance covers the cardholder as well as immediate family members such as spouses and dependent children, even if the cardholder isn't traveling with them.

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

When you book travel through the Chase Travel℠ portal, it's just like booking through a travel agent. Your ability to cancel and get your travel rewards refunded depends on the policies of the hotel or airline you book with. But if you cancel for a reason covered by Chase, then your trip cancellation insurance will kick in and your Ultimate Rewards points will be refunded.

If you are a frequent traveler, both the Chase Sapphire Preferred and Chase Sapphire Reserve offer you important protections, whether you're renting a car or taking a train, bus, cruise, or plane. You’ll also have some protections even if you can't go on your trip at all because it's cancelled or delayed.

Although the travel insurance benefits differ slightly on each card, both can earn you valuable travel rewards, charge you no foreign transaction fees, and provide travel protections for many of the losses you're likely to encounter when you’re off adventuring. You just need to make sure to read the fine print and have one of these valuable rewards credit cards in your wallet.

Great for Flexible Travel Rewards

Chase sapphire preferred ® card.

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

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5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

• Generous welcome offer valued at $750 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance
• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on groceries or gas
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 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, 2024.
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Chase Purchase Protection: What to Know

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Table of Contents

What is Chase purchase protection?

Who is covered, what’s included with coverage, what’s excluded from coverage, coverage limits for chase travel cards, how to file a claim for chase purchase protection, chase purchase protection, recapped.

When planning an upcoming vacation, sometimes you need to make a few purchases. Whether it’s a suitcase, hiking boots for a long trek or a new camera to better capture the scenery, you might end up spending a good amount of money. So what happens if your suitcase handle breaks or your camera is stolen? Are you just out of luck?

Not if you have a credit card with purchase protection. This benefit can help you repair, replace or receive reimbursement for an eligible item if it’s damaged, stolen or left behind — as long as you’ve paid for it with your card. Purchase protection comes with all Chase credit cards, including travel credit cards .

Here's what you need to know about Chase purchase protection and how it can help when things go awry at home or abroad.

This coverage protects cardholders against theft or damage of items purchased with a Chase credit card within the past 120 days.

Additionally, you may also be covered if you accidentally leave an item behind somewhere. If you forget your Kindle in a hotel room in Budapest and you’re now back home, you may be able to recoup your costs as long as it’s a recent purchase. Purchase protection will cover "unintended separation from personal items," which is when you know the item's location, but getting it back is impractical. However, if you lose an item on a trip and you have no idea where it is, Chase's purchase protection policy won't cover it.

While all Chase cards have purchase protection, the reimbursement amount varies depending on your card. Each card offers a maximum benefit amount per claim as well as a maximum benefit amount per year or account.

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

You're covered if you have a Chase card that was issued in the U.S. and you charge all or a portion of the cost of the eligible item to that card. You’re also eligible if you pay for the item using Chase Ultimate Rewards® points associated with your account.

Additionally, if you purchase a gift for someone using your card, the recipient is also covered in case the item is damaged or stolen.

There are many types of purchases that are eligible for purchase protection benefits, but it’s important to be aware of what’s covered — and what’s not — before you assume something is protected.

Personal purchases made with your Chase credit card or rewards program are covered, no matter if you’re in the U.S. or elsewhere in the world. Likewise, purchases made as gifts for friends or family are also covered under the protection plan.

Chase also will cover the outstanding deductible you owe after first filing a claim for your item with another insurance provider.

» Learn more: Best Chase credit card offers for travelers

Unfortunately, Chase purchase protection doesn’t cover all purchases, and there is a long list of exclusions. It’s always important to look through your benefits plan before starting your trip to find out what might not be covered.

The following are some examples of items that typically aren’t covered:

Tickets, including train, bus or plane tickets.

Traveler’s checks.

Antiques and collectibles.

Computer software.

Motorized vehicles or accessories, such as motorbikes or RVs.

Perishable or consumable items, such as perfume, alcohol or cosmetics.

Items confiscated by authorities or customs agents.

Theft or damage due to war, rebellion or terrorist activities.

Additionally, items that are under the control of a common carrier, such as an airplane, train or bus, aren't protected. This includes checked baggage and any other items that aren't under your direct supervision.

While purchase protection may not cover lost or stolen baggage, many Chase travel credit cards also come with baggage insurance , which can cover the cost of lost or delayed baggage when traveling.

This is only a partial list of items that aren't covered by Chase’s purchase protection plan. For a complete list, refer to your card’s benefits information.

All Chase credit cards include purchase protection; however, coverage limits vary depending on the card. Below are the coverage limits for some of Chase’s travel credit cards.

Chase Sapphire Reserve® purchase protection

Here's a closer look at Chase Sapphire Reserve® purchase protection. This card has a $50,000 limit for total claims per year — the same limit for all Chase travel cards — but it also includes a per claim limit of $10,000, which is much higher than what most cards offer. This can be useful if you plan to make one or more expensive purchases before or during your trip.

Chase Sapphire Preferred® Card purchase protection

If you can’t stomach the Chase Sapphire Reserve® ’s $550 annual fee, consider the card’s mid-tier sibling, the Chase Sapphire Preferred® Card . This card has a $500 per claim limit, which could be sufficient for most purchases.

» Learn more: The best credit cards for travel insurance benefits

If an item you’ve purchased in the last 120 days is damaged or stolen and you think it’s eligible for purchase protection, you’ll need to file a claim. This can be done through the Chase benefits website at eclaimsline.com or by calling 877-445-4153.

Here are the steps you’ll need to follow to make a claim:

Notify the benefit administrator within 90 days of the damage, theft or incident.

Answer questions related to the situation to receive a claim form.

Complete the claim form, sign it and include the necessary documentation.

Return the signed claim form and documentation to the benefit administrator within 120 days of the damage, theft or incident.

After submitting your claim, the benefit administrator will decide whether to reimburse you, send you a replacement item or offer a repair.

Keep in mind that if the item has been stolen, you must file a police report within 48 hours of the occurrence. You’ll also need to provide a copy of the police report when submitting your claim to Chase.

» Learn more: How does travel insurance work?

Using a credit card with purchase protection can protect you financially in the event that things don’t go as planned. Incidents like theft and leaving items behind seem to occur more frequently when in a new environment, making this benefit even more useful for those who travel.

If you’re a Chase credit card holder or are considering getting one, remember to use it when paying for eligible purchases to help protect your property.

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: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

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

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Full List of Travel Insurance Benefits for the Chase Sapphire Reserve Card [2023]

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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.

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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 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. That's $900 toward travel when you redeem through Chase Travel℠.
• $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.
• 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 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 $100 reimbursement for Global Entry fees, $50 for NEXUS enrollment, or $78 for TSA PreCheck.

Additional Benefits

• Complimentary Priority Pass Select Membership — Enjoy access to over 1,400 airport lounge and lounge-alternative properties 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, 2024.
• 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 with American Express Travel when you pay with 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.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 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 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), 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
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 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, 2024.
• 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 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 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
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 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 $100 for Global Entry, NEXUS. or TSA PreCheck fees.

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 above benefits are 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 .

Frequently Asked Questions

Does the chase sapphire reserve card have travel insurance.

The Chase Sapphire Reserve card has one of the best travel insurance packages available.

You’ll find a collection of travel insurance coverages that include primary car rental insurance, trip cancellation/interruption, lost and delayed baggage coverage, emergency evacuation and medical, roadside assistance, and more.

Is the Chase Sapphire Reserve card worth the annual fee?

If you will utilize the benefits offered on the Chase Sapphire Reserve card, the card is definitely worth it.

In fact, we’ve estimated that the card offers benefits that could be valued at nearly $3,500.

Does the Chase Sapphire Reserve card have primary car rental insurance?

The Chase Sapphire Reserve card does offer primary car rental insurance.

Primary car rental insurance does not require that you file a claim with your own car insurance company insurance first. If a covered event occurs, you will have coverage on your Chase Sapphire Reserve card.

You must pay for the entire rental with your Chase Sapphire Reserve card and decline the rental car agency’s collision damage waiver coverage for coverage to be valid.

Can I have more than 1 Chase Sapphire credit card?

While you can have more than 1 Chase credit card, you can only be the primary cardholder on 1 Chase Sapphire credit card, either the Chase Sapphire Reserve card or the Chase Sapphire Preferred card. You could, however, be an authorized user on another Sapphire card.

Which card is better, the Chase Sapphire Preferred card or the Chase Sapphire Reserve card?

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card offer benefits for the frequent traveler.

The better card for you will depend on your spending mix, your preferred redemption options, your tolerance for paying an annual fee, and the level of travel benefits/protections you will use on the card.

To assist you further, we’ve put together a detailed article comparing the 2 cards. Access our article on the Chase Sapphire Reserve card vs. the Chase Sapphire Preferred card .

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Purchase protection: how it works and what to know.

Purchase Protection is a cardmember benefit that protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within 120 days from the date of purchase when using a Chase credit card or Ultimate Rewards ® points.

All Chase credit cards including the Sapphire ® , Freedom ® and Ink ® families of cards offer Purchase Protection, but the maximum amount covered per item varies by card.

Read on to find out how Purchase Protection can help cardmembers shop with confidence.

Who is covered under Purchase Protection?

You are eligible for this benefit as a cardmember of an eligible Chase credit card, and you charge all or a portion of the cost of the item to your credit card account or use rewards points toward the purchase of an eligible item. Recipients of gifts purchased by the cardmember with an eligible Chase card are also covered.

What’s covered?

Eligible items of personal property purchased with your account or redeemed through your rewards program are covered. Purchases made outside of the United States if made with your account or using rewards points associated with your account are covered as well. Purchase Protection can cover involuntary separation from a newly purchased item in cases when the cardmember knows where they forgot or left a recent purchase behind, but recovering it is impossible. This would include, for example, purchases made on vacation and left behind.

Purchase Protection can also cover the cost of repairing a recently bought item such as a laptop, smartphone or tablet that has been accidentally damaged.

What’s excluded from coverage?

Before submitting a claim, cardmembers should be familiar with what kind of purchased items are excluded from coverage:

• Used or pre-owned items
• Antiques and collectibles
• Boats, jet skis, automobiles, motorcycles, private aircraft or any other motor vehicle
• Any items purchased for commercial, resale or use in a professional practice
• Computer software

For more on exclusions, please see the Guide to Benefits of your Chase card for additional details.

How to file a claim for Purchase Protection

The Benefit Administrator needs to be notified of the damage, theft or involuntary and accidental parting within 90 days of the incident. Completed and signed claim forms and all requested documentation must be returned to the Benefit Administrator within 120 days of the damage, theft or involuntary and accidental parting. Claims can be filed online at www.eclaimsline.com for consumer cards and www.cardbenefitservices.com for business cards. You can also call the number on the back of your credit card to be connected to the Benefit Administrator.

Purchase protection summary

Purchase protection is a benefit offered to Chase cardmembers to protect against loss, damage or theft of eligible items. The dollar amount of protection coverage varies depending on the card. Terms and exclusions apply, so carefully review your cardmember agreement and benefits guide.

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What To Know About Chase Sapphire Reserve ® Travel and Purchase Insurance Benefits

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 .

The Chase Sapphire Reserve ® comes with an abundance of high-value benefits and features. Cardholders get a fantastic return on Chase Sapphire Reserve travel insurance and dining, plus receive an industry-leading $300 travel credit — which covers any travel expense — and a complimentary Priority Pass Select membership . Furthermore, that’s before factoring in the 60,000-point sign-up bonus.

Some of the Sapphire Reserve’s best features, however, are the least visible. Tucked away deep in the Sapphire Reserve Guide to Benefits is a suite of Chase Sapphire travel insurance and purchase protections that can add thousands of dollars to the value proposition of holding the card long-term.

After reviewing the coverage options, you may learn that you've been spending money on coverage you didn't need — or that you've got coverage you never knew about!

Page Contents

Chase Sapphire Reserve phone number

Chase sapphire reserve trip cancellation and trip interruption, trip delay reimbursement, baggage delay insurance, chase sapphire reserve auto rental collision damage waiver (cdw), lost luggage benefits, travel accident insurance, emergency evacuation and transportation, emergency medical and dental, travel and emergency assistance services, roadside assistance, chase sapphire reserve purchase protection, extended warranty protection, return protection, price protection, final thoughts, chase sapphire reserve travel insurance benefits.

First things first: For questions about the following benefits or to file or follow up on a claim, call the Chase claims phone number at 888-675-1461 .

As one of the best credit cards for travel insurance , the Sapphire Reserve‘s trip interruption and trip cancellation insurance covers the cardholder, cardholder’s spouse or partner, and immediate family members for trips of less than 60 days. The two policies are similar, but trip cancellation covers you before the trip while trip interruption covers you from the moment you start traveling.

Coverage kicks in when a covered loss either interrupts travel or prevents you from traveling. The coverage will reimburse you up to $10,000 for each person or $20,000 per trip.

Claims are limited to:

• Per occurrence: $20,000
• Per 12 months: $40,000

Tip: Immediate family members are covered if travel is charged to the Sapphire Reserve , even if the primary account holder is not present.

You can catch the extensive list of definitions and exclusions in the Sapphire Reserve Guide to Benefits , or head over to our post on Chase Sapphire cards' trip cancellation and trip interruption insurance .

One of the most valuable benefits on the Sapphire Reserve , trip delay reimbursement covers what Chase deems “reasonable” expenses:

“The Trip Delay Reimbursement benefit will reimburse Your reasonable 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.”

Coverage kicks in after a delay of six hours (or a forced overnight stay) , and you can claim up to $500 for each ticket purchased with your Sapphire Reserve. To qualify for reimbursement, the delay must not have been made public or have been communicated to you before departure.

If you made it to your destination but your bags didn’t, you might be eligible to claim for baggage delay. Covering the cardholder and immediate family members up to $100 per day for a maximum of five days when your bags are delayed for six or more hours , you can claim emergency purchases of essential items including clothing, toiletries, and one phone charger per device. The list of purchases not included is extensive (including items like false teeth and event tickets), so be sure to read page six of the guide to benefits for more details.

Related: Chase Sapphire Reserve full review

We rate the primary rental insurance offered on the Sapphire Reserve as one of the best available to U.S. cardholders. The terms and conditions feature no specific country exclusions, and cardholders receive primary coverage at home in the U.S. in addition to most foreign countries.

To ensure coverage when renting a car, you need to pay for the entire rental using your Sapphire Reserve and decline the rental company’s collision insurance. If you accept the rental company’s additional auto insurance, you won't be covered by the Sapphire Reserve. You can read all the details in our review of Chase’s auto rental CDW . Note: If you use Ultimate Rewards to pay for your rental, you'll also receive coverage under the auto rental CDW benefit .

Be aware that the auto rental CDW isn’t liability insurance. You are only covered for damage and theft of the rental vehicle, not damage to other people's property or if someone is injured.

Related: Best Credit Cards for Rental Car Insurance

The Sapphire Reserve ’s lost luggage benefit covers the cardholder and immediate family members for up to $3,000 per person for a covered trip, including up to $500 for valuable items like jewelry, watches, cameras, and other electronics.

The benefit reimburses the cost of repairing or replacing checked and carry-on baggage, as well as the personal property contained within due to loss or damage. Note that liability is limited to the cash value of the items (replacement value less depreciation) at the time of loss, and you must report the loss or damage to the carrier as soon as you exit the aircraft.

This is one of the more morbid, but very practical, insurances included on the Sapphire Reserve . Travel accident insurance covers you for accidental death, dismemberment, and loss of speech, sight, and hearing benefits, on a 24-hour basis, while traveling on any motorized land, water, or air transport, operated by an organization licensed to carry passengers, as long as you charge the cost of the trip, minus any points and miles, to the Sapphire Reserve.

Coverage is for 30 days from the date of departure and ends at the beginning of the 31st day if your trip extends past 30 days. The coverage provides a 24-hour loss of life benefit of $100,000 and a common carrier loss of life benefit of up to $1,000,000. This is a complex and hard-to-understand policy and requires a thorough reading of the benefits guide to grasp the details. We recommend reviewing the policy with a licensed insurance professional if you have any doubts as to the validity of your coverage.

Another complex benefit, it covers the cardholder and immediate family for up to $100,000 towards emergency evacuation or transportation. You’re covered for emergency evacuation and transportation if you are injured or become ill during your trip and require emergency evacuation on trips of between five and 60 days at least 100 miles from home.

The benefits administrator must make all the medical travel arrangements, and the evacuation must be pre-approved by the benefits administrator in consultation with a legally licensed physician who certifies that emergency evacuation is warranted due to the severity of the injury or sickness.

You’re covered for up to $2,500 in emergency medical and dental expenses that would not otherwise be covered by your travel or health insurance. Claims are subject to a $50 deductible, and treatment must be received in the course of a trip a minimum of 100 miles from home when paid for with your Sapphire Reserve or points earned with the card. If the treatment requires hospitalization, you may also be eligible for a daily benefit of $75 per day for up to five days.

If you need help and you’re not sure who to turn to, Chase travel and emergency assistance provides a wide range of emergency services available 24/7, 365 days a year. It's essentially a hotline allowing you to call ( 888-675-1461 ) to get advice, assistance, or referrals when you are in an unfamiliar place. This could provide help with translating terms and conditions, medical referrals, emergency assistance, or help to replace a lost airline ticket — almost anything that can be accomplished over the phone.

Services include:

• Emergency message service
• Medical referral assistance
• Legal referral assistance
• Emergency transportation assistance
• Emergency ticket replacement
• Lost luggage locator service
• Emergency translation service
• Prescription assistance and valuable document delivery arrangements
• Pre-trip assistance

Sapphire Reserve cardholders are covered for up to $50 per service callout, up to four times per year. Roadside emergencies can include such issues as towing, jump start, tire-changing, lockout, fuel delivery, or standard winching. To use this service, call 866-860-7978  (Cross Country Motor Club).

Chase Sapphire Reserve Purchase Insurance Benefits

Purchase protection covers eligible items purchased using your Sapphire Reserve or Ultimate Rewards points earned on the card in the event of theft, damage, or involuntary and accidental parting with the item within 120 days. You will be reimbursed up to the dollar amount required to repair or replace the item, up to $10,0000 per item.

The Sapphire Reserve has a high claim value of up to $10,000 per item and a cap of $50,000 per year. Purchases made outside the U.S. are covered as long as you purchased them with your Sapphire Reserve card and the purchase meets the terms and conditions. There is a long list of items not covered, so refer to pages 25–26 of the guide to benefits.

You need to contact the benefits administrator within 90 days of the loss, damage, or theft, and you have 120 days to complete the claim.

Yes, a cracked screen is covered. Or, if you accidentally lose your phone in a taxi, that'd be covered as well!

Extended warranty protection extends the manufacturer’s U.S. repair warranty for an additional year on items purchased with your card. The benefit applies to eligible warranties of three years or less, up to a maximum of $10,000 per claim, and a $50,000 maximum per account. You need to charge a portion of the purchase price to the Sapphire Reserve for the protection to kick in or have purchased the item using Ultimate Rewards earned on the card. Again, there's an extensive list of exclusions that can be found in the benefits guide.

In many cases, this benefit can save you $20–$100 for an extended warranty on a single piece of electronics!

If you’re unhappy with an item purchased entirely using your Sapphire Reserve or points earned on the card, and the merchant won’t accept the return, return protection will reimburse you for the cost of the item within 90 days of the purchase date. Claims are limited to $500 per item, up to a maximum of $1,000 per year per account. Coverage is secondary to any store guarantees, and the benefits administrator must receive the purchase in like-new or good working condition.

As of August 26, 2018, price protection is no longer a benefit of this card.

Big-ticket benefits like travel credits and lounge access are what marketing teams use to advertise cards like the Sapphire Reserve , but there are plenty of benefits hiding under the hood that can provide thousands of dollars per year in additional value. Take time to familiarize yourself with the guide to benefits for the Chase Sapphire Reserve, as these benefits can help reduce headaches with an unfortunate delay or health problem while traveling. The benefits also can reduce your out-of-pocket expenses when things go awry.

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Does the travel insurance cover a non refundable ticket to Italy for a 2 week trip? Literature is ambiguous?

Hi Mary, whether the ticket is refundable or not doesn’t impact your credit card’s coverage details for things like cancelation, lost luggage, etc.

When I travel alone I keep a hard copy of the Guide to Benefits with my passport, usually locked in the safe in my accomodations. I also carry a statement in my wallet or backpack giving instructions on how to contact the benefits coordinator along with my credit card number and other identity details.

Does anyone have any experience on how the pre-approval for medical evacuation works for people who are traveling alone? I often travel alone and it seems that if I am in need of am emergency medical evacuation there could be a pretty high chance that I will not be able to contact the credit card benefit coordinator to get pre-approval and make arrangements for the evacuation. Thanks for any info you can share.

True. I had to file all kind of paperwork to get reimbursement, took about few months. Good thing I charged everything on my Reserve card for Europe trip together with my parents, when my dad passed away suddenly shortly before the trip.

Will the Sapphire reserve cover you for jewelry or watches that have been lost ?

I would double check the benefits guide. Jewelry is almost always an exclusion.

I booked for my parents visiting from India to USA for 6 months. At last minute, my father had an accident and he could not travel. The ticket was a non-refundable ticket. so i cancelling with no refund. i tried to file a claim with Chase. they said the trip duration must be less than 60 days. they said my case will not be covered. My annual fee payment of 450$ is of no use when they do not cover our emergency needs.

I have used both the CSP and CSR travel insurance and while you have to get your documents together they do indeed pay for the loss. One thing to note though is they do not pay for medical pre-existing conditions. If you have a lot of ongoing issues you might want to call their policy provider to get more clarity if that might be an issue. Also, it only covers prepaid items. I once had to purchase a ticket back home for a family medical emergency and it was not reimbursed since it was not prepaid. They said if it was a changed ticket it would have been reimbursed. I have not tested that theory but it is something to be aware of.

In addition I used CSP for price protection and was successful. It was pretty painless.

If you have pre-existing conditions you have a couple of options. Trip interruption insurance will offer coverage for pre-existing conditions has long as you take out the coverage within a certain time frame (usually the same time you make the final payment on your travel), or you can go the travel medical insurance route. The latter is actually the most cost effective. They cover what’s called “Acute Onset of a Pre-existing Condition” and offer higher benefit amounts than what you get with the credit cards. A 40 year old can get a $100,000 policy for a 3 week trip for under $50.

Sometimes Chase not not often

So many gimmicks like requiring submit claim to personal insurance then giving only cash value.

My experience is Chase benefits is a bunch incompetent idiots to deny the claim.

thanks for the article. have you compared the Sapphire insurance benefits to the Amex Platinum cards benefits?

We haven’t, but mostly because the Amex Platinum card insurance benefits are horrible. They’re not even in the same league.

Nice benefit. I am seriously considering going the sapphire route. Although I enjoy using pts within a certain program. Feel that I pull more value out of it.

I had a positive experience with the trip cancellation benefit when my flight was cancelled last March. Amsterdam to ATL. They reimbursed me and my Domestic partner for expenses occurred (hotel, food, transportation). It was a lot of paperwork but sucessful!

Great info, and book marked, thanks for all your hard work!

Another reason I’ll have to look into this card, at least for the first, bonus year.

Thanks! Been looking for a go to card for travel/insurance benefits and appreciate the article.

Super helpful — I listed CSR as my insurance for an upcoming rental this weekend. Thank you for this guide!

Great benefits review!! Thanks!!

Great write up!

Thanks for the detailed info!

Good reference for CSR card holders.

Good to know the added benefits for using the card

These are really useful! Might be worth that astronomical annual fee.

great benefits with this card

I wish I was below 5/24 to get this card.

After reading this posting, I may have to apply for this card.

This is a really concise summary, thanks for putting it together.

Some great benefits in there which I didn’t about, thanks!

Yes, we know we know, it’s great. 🙂

Wow great benefits. May have to go for it. Nice work on the write up.

Thanks for this info. You have explained this convoluted area quite well.

Thanks for the info. I recently used this card on a rental in Germany and am in the process of submitting a claim. I will report back with the results.

Thanks for providing these details. I tend to overlook these benefits when comparing cards.

As do many of us, but sometimes there’s true value to be had in these features.

Howie, happy New Year to you and all your readers. Sorry if this topic was covered in a previous post, but what can you use the Ultimate Rewards points for?

Steve, thank you! What can you use Ultimate Rewards points for? Oh man, lots of stuff — start here: https://awardwallet.com/blog/different-ways-to-redeem-ultimate-rewards/

Good piece. Definitely bookmarking this article. Thanks.

This card is such a good deal that I might choose to upgrade my Sapphire Preferred despite the much-greater annual fee. I think Chase’snew rules make it almost impossible for me to get another bonus anyway unless I cancel the Sapphire Preferred and go without that card for a period of time. (Which I don’t wish to do). Have you covered this in a blog post?

Yes, indeed. https://awardwallet.com/blog/updated-terms-approvals-signup-bonuses-sapphire-credit-cards/

An impressive array of protection benefits!

This is such a great card, lots of benefits, exactly what I like to see.

This card actually seems like the high annual fee is worth it, especially if you use the $300 travel credit. $150 a year for PP membership, 3x points, and all these benefits on top is not bad.

Exactly why I love it.

If you time it right you can get the $300 travel credit twice before you get charged the first annual fee.

That only works the first year into the second, if you’re cancelling the card. If you keep the card open, you end up with $300 each year. And the year you cancel an opportunity for for an extra $300. The $150 net cost of the card, though, is well worth it if you use the benefits. If you don’t do any traveling, the $300 travel credit and the access to the PP Lounge are not of value to you. But if you use the travel benefits, then the extras that are listed in the article, are well worth the $150.

The benefits guide was a little intimidating and I haven’t read it completely since I got the card almost a year ago! Thanks for breaking it down in smaller chunks for us! Love this card so far!

I’ve found that reading these guides with your favorite adult beverage works out well 🙂

Always good to have all of this info in one place. Many thx!

Thanks These insurance benefits are a major reason NOT to use miles for a ticket. Use miles for an upgrade, but don’t lose the insurance due to the fact that you went cheap for a miles ticket!

NO!!!!! Using miles for upgrades can *sometimes* work out: https://awardwallet.com/blog/upgrade-airline-tickets-miles/ — but it is more of an exception than the rule.

Keep using your miles, just pay the taxes/fees with this card and you’ll receive coverage!

That’s a great tip. I didn’t know that just paying the fees got you covered as well.

This benefits could easily be worth a lot more than lounge access.

EXACTLY! I agree 100%

Wow, these benefits are amazing. Almost hard to believe. I wonder how problematic actually filing a claim and exercising the coverage is.

It actually isn’t that hard. You need to simply have your documentation in order, which for any of us that collect points and miles shouldn’t be too hard to do!

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Chase sapphire reserve travel insurance saved the day, i hadn't thought about the policy that came with my card. now it's one of my favorite features..

In September 2023, my fiance and I were about to leave on a road trip to New Orleans for my birthday. We had been dreaming of this vacation for more than two years.

Then I got a text from my dad: My grandmother had fallen and broken her hip. She wasn't going to make it and was in hospice.

We unpacked the car and I canceled the vacation rental I had booked. The next few days were spent going back and forth to my grandmother's facility. One night shortly before she died, I was stewing over the whole situation: I was losing someone important and had to cancel my dream vacation . On top of that, I was out nearly $500. Because I canceled the rental after the deadline for a full refund, I was only eligible to get back $243 back of the $717 I paid for the house.

I write about insurance almost every day. But when planning my own trips, like most people, I never imagine anything will go wrong. I was mad at myself for not getting travel insurance .

Then I remembered something: My Chase Sapphire Reserve® , the card I used to book the reservation, came with a built-in travel insurance policy.

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

I love to travel and had been thinking about applying for the Chase Sapphire Reserve card for years: It has an annual $300 travel credit , airport lounge access and reimbursement for Global Entry or TSA PreCheck® — plus 10X points on hotels and 5X on flights booked through Chase Travel℠. I hesitated, though, because of the $550 annual fee . I finally pulled the trigger in early 2023. My fiance and I were planning several international trips and I figured out that we'd be spending enough on bookings to come out ahead.

I paid for a flight to Tokyo with the 60,000 points I earned from the welcome bonus offered at that time. (After you spend $4,000 on purchases in the first three months of opening the card.)

Read more: Best credit cards for trip insurance

We used the travel credit toward a luxury hotel on a trip to Toronto and, thanks to the card's Priority Pass benefit, relaxed in the airport's Plaza Premium Lounge before our flight home. Plus, because the Chase Sapphire Reserve doesn't have foreign transaction fees, shopping in Canada didn't come with any unpleasant extra charges.

But I hadn't really looked into the credit card's travel insurance policy before. Turns out it includes:

• Trip cancellation insurance. Reimburses prepaid non-refundable expenses for trips canceled or cut short due to injury or illness, death in the family, severe weather and other extraordinary situations, up to $10,000 per person and $20,000 for the total trip. 
• Trip delay reimbursement. Refunds expenses relating to delays longer than six hours or requiring an overnight stay, up to $500 per ticket booked with the card. 
• Baggage delay insurance. Reimburses up to $100 per day for five days if your carrier misplaces your bags for more than six hours. 
• Lost luggage reimbursement. Luggage lost by the carrier is covered, up to $3,000 per passenger. 
• Emergency evacuation and transportation. Transport required for illness or injury is covered up to $100,000.
• Emergency medical and dental coverage. Covers up to $2,500 in medical expenses for incidents occurring more than 100 miles from home. 
• Rental car collision damage waiver. Reimburses up to $75,000 if your rental is stolen or in a collision. Kicks in before your auto policy, so you can avoid a premium increase.

Chase Sapphire's offerings are on par with a standalone policy you'd buy from a travel insurance company for about 3% to 5% of a trip's non-refundable expenses. Plus, bundling travel insurance with your card saves you the trouble of getting a new policy with every trip.

Reading the fine print, I couldn't find a reason why my policy with Chase wouldn't cover the balance of our New Orleans reservation. I gathered details of my original booking and refund from the home-share app, a note from a hospice nurse and a copy of my grandmother's death certificate.

Filing an insurance claim is never fun but the process with Chase was relatively painless — I completed the form and submitted my documentation entirely from my phone. Six weeks later, I received an email that my claim had been approved. The $474 was automatically deposited into my checking account, so there was no hassle with a paper check.

I never wanted to file that claim. I wish we had driven to New Orleans, come home, and shared our stories about our adventures with my grandmother. But, sometimes, life has other plans.

The experience convinced me that travel insurance is a must — and that I made the right decision with my Chase Sapphire Reserve card.

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Chase Sapphire Travel Insurance: How It Works and What It Covers

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Travel insurance is designed to reimburse you for your expenses if things go sideways before, during or after your trip. If you have the or , you’ll want to be aware of the travel insurance benefits your card offers and know what’s covered before you take your next trip. Or if you are on the lookout for a travel credit card and considering whether either of these options is right for you, it’s a good idea to compare their travel insurance perks before you make a selection.

Here’s what you need to know about the Chase Sapphire cards’ travel insurance benefits and how they could help if your trip goes awry.

What Is Chase Sapphire Travel Insurance?

Travel insurance, in general, was created to help you in case your trip is somehow disrupted, such as flight cancellations due to snow or if you got into a wreck with your rental car. There are several types of insurance and coverage that Chase Sapphire Reserve and Chase Sapphire Preferred provide.

Chase offers generous coverage for a number of unforeseen situations that relate to travel, such as:

• Trip cancellation or interruption insurance
• Auto rental collision damage waiver
• Baggage delay reimbursement

What Does Chase Sapphire Travel Insurance Cover?

Chase Sapphire Reserve and Chase Sapphire Preferred are top travel credit cards that offer valuable travel benefits. Here’s a quick look at key perks they offer and the coverage amounts:

Chase Sapphire Travel Insurance Benefits

Here are the details on what’s covered by the Chase Sapphire cards’ travel insurance benefits.

Trip Cancellation or Interruption Insurance

Perhaps you’re traveling in the winter and a massive snowstorm hits. In this case, you can be reimbursed up to the following amounts for your prepaid, nonrefundable travel expenses. These include passenger fares, tours you’ve booked and hotels.

For Chase Sapphire Reserve and Chase Sapphire Preferred, coverage amounts for cancellation/interruption are up to $10,000 per person or $20,000 per trip.

These are a few scenarios that are out of your control and would allow you to cancel and get reimbursed for your trip:

• Sickness or loss of life: Certain types of sickness that prevent you from traveling qualify for coverage. This type of coverage also includes the death of an immediate family member. (Your pets are not covered.)
• Military: If you or your spouse are in the military and receive a change in orders
• Court-related issues: Jury duty or subpoena

There are restrictions to keep in mind, including preexisting health conditions, traveling against the advice of your physician, or if your trip goes beyond 60 days.

One important thing to note is that if you decide to voluntarily change your plans and need to cancel the trip, you will not be covered.

Trip Delay Reimbursement

If you get stuck at the airport because of a covered hazard forat least the minimum number of hours to qualify for coverage, or if you need to stay overnight due to your carrier, you and your family will be covered. You’ll be reimbursed for meals, lodging and transportation to and from the hotel for up to $500.

With Chase Sapphire Reserve, if your trip has been delayed beyond six hours, you can use a rideshare to take you to a hotel and grab dinner nearby. For Chase Sapphire Preferred, it needs to be at least 12 hours before you can leave the airport for a nearby hotel. For both cards, the cost of your rideshare, hotel stay and dinner will be reimbursed to you — make sure to keep the receipts.

Baggage Delay Reimbursement

If your bags are delayed for more than six hours, Chase will reimburse you for up to $100 per day for five days. So if you purchase a new toothbrush, toothpaste, soap, shampoo and a pair of pants, you’ll be covered up to this limit. This applies for both Chase Sapphire Reserve and Chase Sapphire Preferred.

Lost Luggage Reimbursement

It can happen to us all — you arrive in one place and your luggage doesn’t. This is where Chase’s Lost Luggage benefit can provide reimbursement for this hassle. You’ll receive the difference between the cash value of your belongings and any reimbursement from your airline or cruise ship. 

For both cards, you can receive up to $3,000 per person, per trip. There’s what is called a “sub-limit” of $500 for things like jewelry, cameras and electronics. If you receive $500 for any of these items, you’re subtracting from the total of $3,000 and not adding to it.

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Auto Rental Collision Damage Waiver

You may have heard that some credit cards come with built-in rental car coverage — Chase Sapphire Reserve and Chase Sapphire Preferred are among them.

The next time you rent a car, you can decline the insurance that comes with the rental agency and charge the entire rental cost of the car with your Chase Sapphire card. If you’re in an accident, you’ll be covered up to $75,000 for theft or collision damage with Chase Sapphire Reserve. With Chase Sapphire Preferred, you’ll get reimbursed for up to the actual cash value of the rental car.

Keep in mind that you won’t qualify if your rental period goes beyond 31 days for both credit cards.

Roadside Assistance

If you have the Chase Sapphire Reserve card, you can call for roadside assistance if you need a tow, jump start, locksmith or fuel delivery or if you need to get a flat tire changed. You’re covered up to $50 per incident, four times a year.

For Chase Sapphire Preferred cardholders, you can get pay-per-use roadside assistance, including up to five miles for standard towing (you have to pay for mileage beyond this limit), tire changing and jump starts. As you can see, the benefits are not as robust as Chase Sapphire Reserve.

Travel Accident Insurance

In the event that you or a member of your immediate family gets hurt while on your trip and dies or sustains a loss that qualifies for coverage, such as loss of speech and hearing, you’re covered up to $100,000 for 24 Hour Travel Accident Insurance with either of the Chase Sapphire cards. You’re also covered up to $500,000 with Chase Sapphire Preferredor up to $1 million with Chase Sapphire Reserve under Common Carrier Travel Accident Insurance. 

How To File a Chase Sapphire Travel Insurance Claim

If you need to get reimbursed for either Chase Sapphire credit card, you’ll need to file a claim. You must file within 20 days of the date of the incident or within a reasonable length of time. Remember to have all of your receipts and documents ready to go. Here’s how to file your claim:

• Go to the claims center at eclaimsline.com and select “New Claim.” For Chase Sapphire Reserve, you can also call 888-675-1461. For Chase Sapphire Preferred, call 888-320-9961.
• Enter the details of your claim and your personal information.
• Gather all of your documents and upload them — these include receipts, bills and photos of your damaged luggage or rental vehicle, for example.
• Submit your claim and wait to hear from a specialist, usually within five business days.

Chase Sapphire Travel Insurance Coverage Limitations

As with any kind of insurance, there are restrictions, and Chase is no different. Each type of insurance, whether it’s for flights or lost luggage, has limits to what is covered. Here are examples of what is covered within various categories for both Chase Sapphire Reserve and Chase Sapphire Preferred cardholders:

• Rental car: If you’re traveling for more than 31 days with your rental car, you won’t be covered. Cars over 20 years old also won’t be covered.
• Baggage delay: You won’t be covered for things like artificial teeth, hearing aids and jewelry.
• Lost luggage: This benefit doesn’t apply to loss or theft of money, documents and valuable papers, tickets and furs.

Check out the Chase Sapphire Reserve or Chase Sapphire Preferred Guide to Benefits for complete details on coverage limitations.

Insurance can provide peace of mind for unforeseen situations that can make travel more challenging, such as delayed or canceled flights. Don’t let these moments put a damper on your adventures. Knowing what’s covered can help keep you calm and give you confidence that you’ll be reimbursed or covered.

Also, compared to other travel credit cards, there are few that can compete with the travel insurance benefits offered by the Chase Sapphire Reserve card, which comes with an annual fee of $550 . Even though Chase Sapphire Preferred isn’t as robust, it’s still not a bad deal, considering the annual fee is just $95.

Just be sure you’re aware of the limitations before your next trip and double-check coverage in the areas that concern you most. You’ll want to know these limitations before relying on your card’s travel insurance benefits for your trip.

For any future travel coming up, always keep your receipts and documents, just in case.

Information is accurate as of Jan. 3, 2023.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

The information related to Chase Sapphire Reserve and Chase Sapphire Preferred was collected by GOBankingRates and has not been reviewed or provided by the issuer of these products/cards. Product details may vary. Please see the issuer’s website for current information. GOBankingRates does not receive commission for these products.

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Chase Sapphire Preferred Card review: A top travel and dining card

Chase Sapphire Preferred Card overview

The Chase Sapphire Preferred® Card is one of the best-known travel rewards credit cards , featuring 5 points per dollar on travel booked through Chase Travel℠ and Lyft purchases, 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on everything else. These valuable points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠. Card rating*: ⭐⭐⭐⭐½

* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

At TPG, we always get asked an important question from beginner travelers looking to plan trips: Which travel credit card should I start with?

We almost universally recommend the Chase Sapphire Preferred® Card because it earns one of our favorite rewards currencies and comes with valuable perks for a low annual fee. In fact, many of us started our journey into points and miles with this card.

The Chase Sapphire Preferred is designed for frequent and casual travelers. With a $95 annual fee, it's not an expensive card, which makes it an especially good choice for beginners.

The recommended credit score is at least 700 to qualify for the Sapphire Preferred , but it's not unheard of for someone to be approved with a lower score.

Here's what you need to know about the Chase Sapphire Preferred and why it's one of the best cards out there .

Chase Sapphire Preferred pros and cons

Chase sapphire preferred welcome offer.

The Chase Sapphire Preferred has a welcome offer of 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.

This haul of points is worth a minimum of $750 when redeemed for travel through the Chase portal, but you can maximize value by utilizing Chase's transfer partners. TPG values Chase Ultimate Rewards points at 2.05 cents each, making this bonus worth $1,230.

Related: How to redeem Chase Ultimate Rewards for maximum value

Chase Sapphire Preferred benefits

In addition to the sign-up bonus, there are many appealing perks to being a Sapphire Preferred cardholder.

You'll receive a statement credit of up to $50 on hotel stays purchased through Chase Travel upon opening the card and on each account anniversary. It's automatically applied to your account each year when you make an eligible charge. Note, however, that the $50 credit does not earn Chase Ultimate Rewards points.

I always use this hotel credit when I am overseas in a small city with no chain hotels where I won't earn any elite nights or loyalty points since booking through an OTA like Chase Travel typically doesn't qualify you for elite status benefits at hotels.

Cardholders also enjoy a 10% anniversary points bonus each year. This 10% bonus is based on your total spending during the account anniversary year at a rate of 1 point for each $10 spent. If, for example, you spend $100,000 on your Sapphire Preferred during your cardmember year, you'll receive 10,000 bonus points at the end of the year.

However, this 10% bonus is calculated from the dollars you spent rather than the points you earned, meaning you won't receive additional points by leveraging the card's bonus categories.

The Chase Sapphire Preferred also includes at least one year of complimentary DoorDash DashPass membership , which includes perks like free delivery and reduced service fees on eligible purchases (activate by Dec. 31). There is a cost associated with using food delivery services such as DoorDash, but this can be a valuable benefit if you already use the service.

Additionally, you'll get six months of Instacart+ and a $15 statement credit quarterly on qualifying Instacart purchases. You must enroll for this benefit by July 31 through the Instacart website .

Finally, the Sapphire Preferred is an ideal choice for travel bookings such as car rentals, cruises, plane tickets and hotels because it comes with comprehensive travel and purchase protections. Among them, cardholders can expect the following:

• Primary rental car coverage
• Trip delay insurance
• Trip cancellation insurance
• Baggage delay insurance
• Lost luggage reimbursement
• Purchase protection
• Extended warranty protection

You can read more about the Chase Sapphire Preferred shopping and travel benefits here .

Related: 7 Chase Sapphire Preferred benefits you might not know about

Earning points with the Chase Sapphire Preferred

The Chase Sapphire Preferred has a simple earning structure that is easy to maximize :

• 5 points per dollar on travel booked through Chase Travel
• 5 points per dollar on Lyft purchases (through March 2025)
• 5 points per dollar on Peloton equipment and accessory purchases of $150 or more (through March 2025, with a limit of 25,000 bonus points)
• 3 points per dollar on dining, select streaming services and online grocery store purchases (excludes Target, Walmart and wholesale clubs)
• 2 points per dollar on all travel not booked through the Chase Travel portal
• 1 point per dollar on everything else

Those are some of the best earnings rates in the game, particularly when you consider you're earning valuable Chase Ultimate Rewards points.

Related: Why you'll want to pay the $95 annual fee on the Chase Sapphire Preferred

Redeeming points with the Chase Sapphire Preferred

When you're ready to redeem the points you've earned with the Chase Sapphire Preferred , you'll understand why the card shines.

You can use your points to purchase airfare, reserve hotel rooms and even rent a car through Chase Travel — all at a fixed rate of 1.25 cents per point. That means you don't need to worry about blackout dates or finding award space; you'll always have the option to book travel using your points. As long as a seat for sale on the flight you want or a hotel room is available to reserve with cash, you can pay for it with your points.

Just note that hotel reservations booked through third-party sites (including Chase Travel) typically won't earn points or count toward elite status qualification.

You also have the option to redeem your points for cash-back or gift cards at a rate of 1 cent per point or for a slightly higher value when you take advantage of Chase's Pay Yourself Back option. Still, these redemption options are less valuable than transferring your points to Chase's travel partners, so we recommend avoiding them when possible.

Related: 6 Chase Ultimate Rewards sweet spots

Transferring points with the Chase Sapphire Preferred

By transferring your Chase points, you can receive more than 1.25 cents per point in value by moving rewards to Chase's 14 airline and hotel partners . Some of the best Chase transfer partners include Hyatt , United , British Airways and Singapore Airlines for luxury hotels and plane seats.

Utilizing these transfer partners can net you phenomenal value. Chase frequently runs transfer bonus promotions where you can get up to 30% more points or miles when you transfer Ultimate Rewards to a transfer partner.

For example, TPG credit cards writer Chris Nelson regularly transfers points to Hyatt and has gotten rooms during peak season in Europe for as low as 4,000 points a night. Hyatt has plenty of great sweet spot redemptions, making it an especially valuable transfer partner.

Related: The complete guide to Chase Ultimate Rewards transfer partners

Which cards compete with the Chase Sapphire Preferred?

Many worthwhile mid-tier travel credit cards exist, but only a few can go toe-to-toe with the Sapphire Preferred . If you're trying to decide which is best for you, consider which card's earning power suits your spending habits and which transfer partners you're more likely to maximize.

• If you prefer Capital One: The Capital One Venture Rewards Credit Card is your best bet. The card offers 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2 miles per dollar on all purchases, plus a welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. For more information, read our full review of the Capital One Venture Rewards Credit Card .
• If you prefer American Express: The American Express® Green Card offers a high earning rate on travel, restaurants and transit. Annual Clear Plus and LoungeBuddy credits offset its $150 annual fee. Plus, Amex has more transfer partners than Chase and offers more transfer bonuses throughout the year.
• If you want more perks: The Chase Sapphire Reserve® offers higher earning rates on travel purchases and more valuable benefits like a $300 annual travel credit and airport lounge access. For more information, read our full review of the Sapphire Reserve.

For additional options, check out our full list of the best starter credit cards .

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Read more: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

Bottom line

If you're ready to move beyond cash-back or fixed-value travel rewards credit cards, there is no better place to start than with the Chase Sapphire Preferred .

After its debut over a decade ago, it's still regarded as one of the best rewards credit cards . It earns some of the most valuable points and is flexible enough to meet the reward needs of frequent and newbie travelers alike. As long you're using the card frequently enough to get more than $95 in value from it, this card is definitely worth the annual cost.

Apply here: Chase Sapphire Preferred

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit cards

11 Chase Sapphire Preferred travel benefits you should know about

Lee Huffman

Robin Saks Frankel

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

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

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

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

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

Editor’s take

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

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 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, 2024.
• Member FDIC

1. Up to $50 in annual hotel credits

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

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

2. Points are worth 25% more when booking travel

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

3. Transfer points to 14 airline and hotel partners

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

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

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

4. Get a 10% bonus every year

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

5. Repay eligible purchases up to 24 months without interest

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

6. Complimentary travel protections

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

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

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

7. Benefits that protect your purchases

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

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

8. Partner benefits earn bonus points and save money

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

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

9. No foreign transaction fees

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

10. Spend instantly upon approval

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

11. Refer friends and earn bonus points

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

Should travelers get the Chase Sapphire Preferred card?

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

Frequently asked questions (FAQs)

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

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

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

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

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

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

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

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

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

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