Trip cancellation/trip interruption insurance
You and your immediate family are covered if something catastrophic disrupts your travel arrangements. Chase Sapphire Preferred® Card travel insurance provides up to $10,000 per person (max $20,000 per trip). Your trip could be canceled or cut short for any number of reasons, including a major illness or severe weather.
Only prepaid, nonrefundable purchases made with your Chase card (or booked with Chase Ultimate Rewards points) are eligible.
Not every emergency will count. Coverage excludes the following:
- Cancellations because of your financial circumstances
- Pre-existing medical conditions
- Trips longer than 60 days
- War, declared or undeclared
But your Chase Sapphire Preferred® Card travel insurance does cover terrorist activity and/or hijackings, as well as jury duty or a court subpoena you can't postpone.
Travel and emergency assistance services
If something goes wrong abroad, you can call the Chase benefit administrator to get medical or legal referrals and other emergency assistance. Note, the costs of those services aren't covered. You'll need to handle those on your own.
Trip delay reimbursement
Carrier delays happen all too frequently. Some can lead to unexpected overnight stays. If you get delayed by more than 12 hours, you can claim back your expenses. Covered expenses include meals, hotels, toiletries, and medications.
Trip delay insurance tops out at $500 per covered ticket. Your spouse and dependent children under the age of 22 are eligible. Only one hazard per trip is covered. You can't claim expenses if a delay was public or known before you set out.
Auto rental collision damage waiver
Rental car insurance can be expensive, but you can waive it when you pay with your Chase Sapphire Preferred® Card. This primary collision coverage will reimburse you for collision damage or theft. And you're covered up to the cash value of the vehicle. It also includes reasonable towing charges.
Coverage applies to most consumer vehicles, but not all. You can't claim for the following:
- Exotic (read: expensive) vehicles, transport vans, trucks, and motorcycles
- Rental periods of longer than 31 days
- Injuries and/or objects damaged by the accident
- Charges covered by your auto insurance
Baggage delay insurance
Each year, thousands of bags get delayed between takeoff and arrival. Baggage delay can cost a lot if you need to replace necessities. If your luggage is delayed by the carrier for six hours or more, baggage delay insurance kicks in.
You'll get up to $100 a day for a maximum of five days. You'll be able to buy things like clothing, toiletries, and a charger for your cell phone. Both the primary cardholder and immediate family members can claim so long as travel was paid for with the eligible Chase card.
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