Guide to Chase Sapphire® travel insurance
Quick insights
- Chase Sapphire cardmembers benefit from a wide variety of travel protections including Trip Cancellation and Interruption Insurance, Baggage Delay Insurance and Auto Rental Coverage.
- Sapphire Reserve® travel benefits include Emergency Evacuation and Transportation coverage.
- Travel and Emergency Assistance can provide legal and medical referrals to cardmembers while traveling.
Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.
How does Chase Sapphire travel protection work
Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred® cardmembers:
- Travel and Emergency Assistance: If you run into a problem away from home, call the benefit administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
- Trip Delay Reimbursement:If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
- Trip Cancellation and Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather or other covered situations, Sapphire Preferred and Reserve cardmembers can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
- Baggage Delay Insurance:Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
- Lost Luggage Reimbursement,: Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Auto Rental Coverage,:Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred cardmembers can be reimbursed up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).
Additional Benefits provided by Chase Sapphire Reserve travel benefits
Certain travel benefits, cancellation protection and emergency services are available to Chase Sapphire Reserve® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.
Emergency Evacuation and Transportation
If you or a member of your immediate family are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Roadside Assistance
If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Emergency Medical and Dental Benefit
If you or an immediate family member become sick or injured while you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses, subject to a $50 deductible.
How to file a Chase Sapphire travel protection claim
To file a travel protection claim with a Sapphire credit card, visit chasecardbenefits.com or call 1-800-350-1697. Depending on what type of claim you are submitting, you may need to provide additional documentation within a certain time frame.
For example, for Trip Cancellation and Interruption Insurance claims, you must take action within 20 days of your trip being canceled or interrupted. For an Emergency Medical and Dental Benefit claim, on the other hand, you can file within 90 days of receiving medical care while on a trip.
For questions about specific claims, contact the benefit administrator by calling the number on the back of your card.
Why travel protections are important
Travel protection can be helpful in covering your expenses, belongings and well-being during trips. Depending on your travel plans and how you booked, you may not be able to cancel or rebook your trip if something comes up. In this case, credit card travel benefits could be able to help cover some of those costs for eligible cardmembers.
In summary
If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards® points. You may be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.
Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans. Keep in mind that both credit cards have an annual fee.
