A Guide to Chase Sapphire Reserve's Travel Insurance Benefits
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Travel insurance is one of the great perks of the Chase Sapphire Reserve® (see rates and fees) credit card. It has more travel insurance benefits than the Chase Sapphire Preferred (see rates and fees) which can be helpful during difficult travel situations, especially when things don't go as planned. If you're a frequent traveler, this may be your ideal credit card.
Chase Sapphire Reserve® travel insurance includes:
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.74% Variable
Rewards 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.
5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.
Annual Fee
$550
Welcome Offer Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 bonus points
All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.
Each of these Chase credit card benefits has restrictions on how much coverage you get and what determines eligibility. In most cases, you must pay for your trip expenses with a Chase Sapphire Reserve® card, and the incident must have happened on a trip. We'll break down each benefit so you'll know what you get with the travel insurance.
Chase Sapphire Reserve® travel accident insurance covers death, dismemberment, or a combination of loss of speech, sight, or hearing on a covered trip. It includes two types of travel accident insurance.
Common Carrier Travel Accident Insurance: This covers losses that occur while you're a passenger on a common carrier (like an airline, bus, train, or cruise ship). The benefit amount for loss of life is $1 million.
24-Hour Travel Accident Insurance: This covers you for the period between the departure date and the return date on your airline ticket. The benefit amount for loss of life is $100,000.
The cardholder and their immediate family members can use these benefits. If more than one eligible person is injured, coverage won't exceed twice the applicable benefit amount. Card members must pay for at least part of a covered trip with their Chase Sapphire Reserve® card to be eligible.
Chase Sapphire Reserve® card members can get emergency assistance when traveling, such as arranging for emergency transportation or sending messages to family. This service provides referrals and help at any time or day of the week. The card member, a spouse, and dependent children under 22 can use this benefit.
You can use this coverage if a trip is canceled or cut short by certain covered situations, like sickness or severe weather. Chase will reimburse cardholders up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses. Eligible expenses include passenger fares, tours, and hotels.
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The Chase Sapphire Reserve® benefits don't stop there. If carrier travel is delayed more than six hours or requires an overnight stay, you and your family are eligible for trip delay reimbursement. Unreimbursed expenses like meals and lodging are covered up to $500 per ticket.
Those with Chase credit cards can also use an auto rental collision damage waiver. This can reimburse you up to $75,000 for theft and collision damage for rental cars in the United States and abroad. You must decline the rental car company's collision and insurance. You must also charge the entire rental cost to your Chase Sapphire Reserve® credit card.
Chase Sapphire Reserve®'s baggage delay insurance provides reimbursement for the emergency purchase of essential items, like clothing and toiletries. This coverage comes into play when baggage is delayed or misdirected for more than six hours by a common carrier. You must have used a Chase Sapphire Reserve® card to pay for the trip. This insurance provides up to $100 per day for a maximum of five days.
You're covered if you or an immediate family member find that your checked or carry-on luggage has been damaged or lost. This coverage offers up to $3,000 per passenger.
Examples of services include a battery boost, flat tire service, fuel delivery, towing, and lockout assistance. The cardholder is covered when driving an owned or leased vehicle or a vehicle furnished by the owner while away from home. You can use roadside assistance when traveling throughout the United States and Canada.
Roadside assistance provides up to $50 in coverage per event. A maximum of four service events are covered per year. Cardholders can use this coverage at any time by calling 1-866-860-7978.
This benefit covers things like emergency transportation, medical services, and medical supplies. You can use your coverage if you become sick or injured during a trip and need emergency evacuation. The cardholder, a spouse or domestic partner, and legally dependent children under 19 (or 26 if enrolled as full-time college students) can use this benefit.
This coverage is supplemental to insurance. You must have paid for your covered trip using a Chase Sapphire Reserve® card. The trip must also include travel on a common carrier. Up to $100,000 in benefits are available.
Medical and dental coverage is available up to $2,500 and is subject to a $50 deductible. This coverage provides up to $75 per day (up to five days) for a hotel room if after hospitalization a doctor determines that immediate travel isn't possible. You can get reimbursed for eligible emergency treatment for sickness or an accidental injury during a covered trip. This benefit kicks in when coverage is not available by your medical insurance.
The trip must have been paid for with a Chase Sapphire Reserve® card to qualify for coverage. The travel must have also occurred on a common carrier. It's available for the cardholder, a spouse or domestic partner, and legally dependent children under 19 (or 26 if enrolled as full-time college students).
To file a claim for Chase Sapphire Reserve® travel insurance benefits, call 1-888-675-1461. You can also file a claim online through the Eclaims Line website.
This platinum card offers more than just access to the Chase Ultimate Rewards program. You'll feel better knowing you have Chase Sapphire Reserve® travel insurance benefits. So, if you don't already have this card, you may want to prequalify for a Chase credit card.
Looking for a different credit card? Check out our list of the best credit cards to learn more.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 27.24% Variable APR |
|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 19.24%, 24.24%, or 29.24% Variable APR |
|
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Yes. The Chase Sapphire Reserve® credit card provides these travel insurance benefits:
Yes. You can use this coverage if an eligible trip is cut short or canceled due to sickness, severe weather, or other covered incidents. You can get reimbursed up to $10,000 per person and $20,000 per trip to cover nonrefundable prepaid travel expenses.
Yes. The Chase Sapphire Reserve® credit card card offers a $300 annual travel credit. You'll get this as a statement credit after you make eligible travel purchases.
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