chase sapphire travel insurance claim

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Guide to chase sapphire® travel insurance.

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 Services: 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 ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• 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: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: 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 the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• 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 covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, 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 far 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're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

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 will 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.

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UNDERSTAND YOUR BENEFITS

Your Guide to Benefits has what you need to know about the travel and purchase protection benefits that come with your card* - what's covered, not covered, and how to file a claim.

* Certain restrictions, limitations, and exclusions apply.    Please see your Guide to Benefits for details.

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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.

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 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.

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .

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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Current Offer

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

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

• 5X points on travel purchased through Chase Travel℠
• 25% more value when redeeming rewards for travel through Chase Travel℠
• 10% anniversary point bonus each year
• $50 annual credit on hotel stays booked through Chase Travel℠
• Premium travel protection benefits
• Has annual fee
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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, 75,000 points are worth $937.50 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

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Christy Rakoczy

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

Update: Some offers mentioned below are no longer available. View the current offers here .

It all started so well. It was the winter holidays, we were skiing, the snow was falling and then ... we were stuck in Colorado. It doesn't take much for flights out of the Aspen-Pitkin Airport (ASE) to screech to a halt during the winter and that's exactly what happened to us. Well, there were a few more things that happened as we were ultimately stranded on the side of the road and then at the Vail police station .

But today's story is about what happened when we were stuck an extra night in pricey ski territory during the peak holiday season because of flight cancellations. Luckily, I had charged our round-trip airfare into Aspen to my Chase Sapphire Reserve, so we had some automatic built-in travel protections. If our flights were canceled or delayed by six hours or more (or overnight), the card would theoretically reimburse reasonable expenses related to the delay of up to $500 per ticket.

In our case, we charged four tickets for our family to the card, so we had up to $2,000 in coverage to work with during the delay. The airline wasn't going to cover our expenses since it was a weather-related situation.

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But it was also New Year's Day and we were in the Aspen/Vail area of Colorado when the planes stopped flying. That's extreme peak season in ski towns. Hardly any lodging was available and nothing available last-minute was remotely affordable. We made it as far as Vail when we couldn't get any farther and booked one of the last rooms for four in the area at the Vail Marriott Mountain Resort . We just needed a place to stay, but it wasn't going to come cheap.

The basic room for the night was an astonishing $1,100 with taxes and fees.

On top of that massive, unplanned expense (we had been staying on Marriott points at the Westin Snowmass, which had no additional availability), we had a couple of relatively modest meals during the delay and a $200 car transfer to the Vail-Eagle (EGE) airport. In total, we submitted $1,401.74 for our overnight delay expenses for four people. I'd never spent $1,000 for one night in a hotel in my life, so I was just praying that the card's benefit services team would deem those expenses not only covered but also "reasonable."

Related: Best credit cards for booking airfare

How to make a Chase trip delay claim

First things first -- if you experience a delay of six hours or more, start saving receipts of your expenses immediately. You'll also want to take screenshots of your flight delay or cancellation because you're going to need proof of everything. You can ask the airline for a statement, but I didn't go that far. For me, screenshots of the cancellation status screen from the airline's site worked just fine.

The Sapphire Reserve covers: "Reasonable additional expenses incurred for meals, lodging, toiletries, medication and other personal use items due to the covered delay." It does not cover a whole new ticket home, so keep that mind when deciding how to manage your own airline delay . Also know that you don't have to charge your additional expenses to the Chase card you used to book the trip for them to be reimbursed.

What matters for coverage, in this case, is simply what card you used to book the airline tickets. To make the actual Chase trip delay claim, head to the Card Benefit Services website. You'll enter your name and your credit card number to get started with a new claim.

As part of the claim, you'll type out what happened and upload documents to support the claim. For example, you'll provide proof of the delay, proof you charged the original tickets to this credit card (screenshot an electronic copy of that statement) and upload receipts for expenses.

It didn't take more than 20 minutes to complete the claim online, including necessary uploads. After that, I waited and hoped that a $1,000-per-night hotel was considered "reasonable."

Related: What to do when your flight is delayed or canceled

Getting paid out by a Chase trip claim

A few days later, I was called by a representative of the company that processes these claims. She needed a different version of one receipt and left her direct work email address for me to use. I sent over the full receipt the next day and heard nothing further until I received an email a few days later.

Exactly 26 days after I made my initial claim, and less than a week after I provided the last piece of requested information, the Chase trip delay claim was approved for the full amount of $1,401.74!

Other than providing an additional view of the car service receipt, there were no questions asked and no problems with reimbursing the sky-high rates we paid to stay in the area an extra night after all of the flights were canceled.

Bottom line

Does paying $550 per year to keep my Chase Sapphire Reserve sting a bit? Yes. But the card just paid for itself several times over with a hassle-free successful claim from what was otherwise a very stressful and expensive experience. There's no way that card is leaving my wallet anytime soon .

The delay was long enough that even the trip delay protections on the $95-per-year Chase Sapphire Preferred Card would've likely been sufficient since the only material difference is that it takes 12 hours of delays for the Preferred's version of coverage to kick in, versus six hours for the Reserve.

Related: Chase Sapphire Reserve vs. Chase Sapphire Preferred

I'm very grateful things worked out the way they did and for those curious ... yes, I kept both the Marriott Bonvoy points and credit card points earned on that $1,100 one-night Marriott stay.

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Credit Cards

Chase Sapphire travel insurance benefits 2024

Stella Shon

Robin Saks Frankel

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

Updated 10:57 a.m. UTC Nov. 14, 2023

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

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

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 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, 75,000 points are worth $937.50 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

Chase Sapphire travel insurance overview

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

What Chase Sapphire travel insurance covers

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

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

Trip cancellation and interruption insurance

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

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

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

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

Trip delay reimbursement

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

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

Baggage delay insurance

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

Lost luggage reimbursement

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

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

Primary rental car insurance

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

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

Roadside assistance

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

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

Travel and emergency assistance services

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

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

What Chase Sapphire travel insurance doesn’t cover

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

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

Additional coverage by the Chase Sapphire Reserve

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

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

How Chase Sapphire travel insurance works

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

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

How to claim your Chase Sapphire travel insurance

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

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

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

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

Frequently asked questions (FAQs)

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

The Chase Sapphire cards only offer insurance for qualifying travel and not for events. 

As long as you pay a portion or all of your travel expenses with your Chase Sapphire card, you are eligible to receive complimentary travel insurance with the coverage limits stated above. 

Chase Sapphire cards won’t provide reimbursement for missed flights, unless the situation meets the terms of trip cancellation and interruption insurance or trip delay reimbursement for situations that are outside of your control. 

It’s not required to notify Chase prior to traveling, but you can set up a travel alert on your card if you’re traveling outside of your state or country over the phone, online, through a mobile app or in person.

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

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

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

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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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.

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

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

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

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

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

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

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

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

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

Auto Rental Collision Damage Waiver

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

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

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

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

Coverage limitations and conditions apply, including:

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

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

Trip Cancellation and Trip Interruption

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

Examples of covered events could include:

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

Examples of expenses reimbursed include:

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

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

Examples of losses that would not be covered could include:

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

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

Trip Delay Reimbursement

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

Lost Luggage Reimbursement

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

Baggage Delay

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

Roadside Assistance

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

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

Emergency Evacuation and Transportation

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

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

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

Emergency Medical and Dental Benefit

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

Here’s how the coverage works:

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

Travel Accident Insurance

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

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

Travel and Emergency Assistance

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

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

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

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

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

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

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

Time Is of the Essence

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

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

Documentation Is Important

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

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

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

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

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

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

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

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

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

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

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

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

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel SM .
• $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 SM  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 SM . For example, 75,000 points are worth $1125 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 TM  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: $0

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.

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
• Foreign Transaction Fees: None

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 huge 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 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 SM . For example, 75,000 points are worth $937.50 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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How to file a Trip Delay insurance claim with Chase (my recent American Airlines delay fiasco was completely reimbursed)

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COVID-19 continues to haunt the travel world — and making no promises to slow. I thought this would be a good time to revisit Chase Trip Delay insurance. After all, Chase cardmembers with select cards are covered when paying for travel with their card (as are travelers on the same reservation). And while this novel coronavirus is a bit unprecedented, Chase says they’ll work with their cardmembers to find solutions to their travel troubles.

Here’s a real-life example of Chase Trip Delay insurance at work. My American Airlines flight over the holidays was delayed, causing me to spend an extra night in Dallas.

Because I used my Chase Sapphire Preferred® Card (one of the best credit cards for travel ) to pay for the taxes on my award flight, I was eligible to be reimbursed for expenses related to my unplanned night. I filed a claim for the money I spent on food and a fancy hotel, and earlier this month I received my reimbursement from Chase. They approved every penny of my claim.

I’ll show you how easy it is to file a claim. And you can enroll in our newsletter for more need-to-know travel tips.

Receiving full reimbursement after my American Airlines flight delay

I’m no virgin to Chase travel claims — they cover a WHOLE BUNCH of travel ordeals in which I find myself. I’ve filed claims for:

• Scratching a rental car
• Delayed checked baggage (more than once)
• Trip delays (more than once)

The best part about the insurance you’ll get with the best Chase credit cards  like the Chase Sapphire Preferred and Ink Business Preferred Credit Card travel insurance is the reliability. I’ve never had a claim denied, and I’ve received literally thousands of dollars back. One of the best features is its trip delay insurance. If you experience a delay of 12+ hours, or if you’re required to stay overnight, Chase will reimburse you for all your reasonable expenses. That includes stuff like:

• Transportation

As long as you pay for your airfare at least in part with one of these cards, you can be reimbursed. It’s also worth noting that Chase Sapphire Reserve® Trip Delay insurance kicks in after just six hours (that’s  amazing ).

Here’s how to file a claim if you’ve got one of the above cards.

Step 1. Head to the Eclaims Line website

Chase processes everything through Eclaims Line . On the website’s home page, click “New Claim.”

And as you can see, it’s easy to modify a current claim by clicking on “Existing Claim.”

Step 2. Enter your card info

To begin your claim, you’ll need to enter the Chase card with which you reserved your travel plans.

Step 3. Choose your claim type

Here is where you’ll see a full list of all types of claims you’re eligible for with your Chase card. Click “Trip Delay.”

Step 4. Enter your personal info

It’s all easy stuff. Name, address, phone number, email, etc. It should match your card info.

Step 5. Enter travel details

You’ll need to enter the dates of your trip, as well as the specific day you encountered a delay. Then enter the amount you want to claim, along with a short explanation for the delay.

For example: My flight was delayed from mechanical issues causing me to miss my connection which resulted in an overnight stay.

Step 6. Upload pertinent documents

This is by far the most laborious step. To substantiate your claim, you’ll need:

• Proof that the travel was charged to your card
• A copy of your ticket
• Copies of receipts for the claimed expenses
• A statement from the common carrier (i.e. the airline) indicating the reasons

the trip was delayed ( check out my post on how to get one of those here )

• Possibly other documentation deemed necessary to substantiate the claim

Ensuring you have all the documents you need is a bit of a pain. But the half hour it took me to compile everything was definitely worth the ~$270 I received back. When I first submitted my claim, I was missing one piece of documentation. After I added the missing document, I received a check in the mail about one month later. Not bad!

Let me know if you’ve had experience with Eclaims Line. I’ve got nothing but glowing reports.

You can check out our post of the best travel insurance cards . And  subscribe to our newsletter for more step-by-step guides like this.

Joseph Hostetler

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals. He has also authored and edited for The Points Guy.

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How to use the chase sapphire preferred hotel credit, the chase sapphire preferred's hotel credit goes a long way toward paying off the card's annual fee..

The Chase Sapphire Preferred® Card currently has an elevated intro offer of 75,000 bonus points after you spend $4,000 on the card in the first three months from account opening. This card has a $95 annual fee , but, you can earn back over half of that cost every year by taking advantage of a single easy-to-overlook perk — the annual hotel credit.

Sapphire Preferred card members can receive a $50 annual Chase Travel Hotel credit every account anniversary year for hotels booked through the Chase Travel SM  portal . Here's what you need to know about how to use this credit and when it makes sense.

Chase Sapphire Preferred bonus and perks

What is the chase sapphire preferred $50 hotel credit, how to use the chase sapphire preferred's $50 hotel credit, when does it make sense to use the chase sapphire preferred's $50 hotel credit, alternative cards with hotel credits, bottom line, chase sapphire preferred® card.

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, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Sapphire Preferred's intro bonus offer is currently 15,000 points higher than the standard offer. This makes it a great time to apply because you're getting the same ongoing card benefits along with the additional upfront value.

This card earns Chase Ultimate Rewards® points, which are some of the best travel rewards thanks to their versatility. You can redeem Chase points for cash back or similar redemptions for one cent each. And if you use your Chase points to book travel through Chase Ultimate Rewards, you'll get a 25% boost in value as a Sapphire Preferred cardholder (1.25 cents per point).

You can really ratchet up your points' value by taking advantage of Chase's transfer partners . Chase points transfer to 14 airline and hotel loyalty programs at a 1:1 ratio. Through these programs, you can book business-class award flights or luxury hotels and dramatically increase the value of your rewards. This includes plenty of one-way Star Alliance business-class flights from North America to Europe for only 60,000 to 70,000 Aeroplan miles, flights that normally costs thousands of dollars.

The Sapphire Preferred also comes with a long list of travel and purchase insurance benefits. You'll get trip delay reimbursement, primary rental car collision coverage , purchase protection, extended warranty coverage and more.

The Chase Sapphire Preferred annual hotel credit can earn you an automatic statement credit of up to $50 every card anniversary year. To qualify for the credit, you need to book a hotel through Chase Travel SM and pay for the booking with your Sapphire Preferred card.

The $50 in hotel purchases that earn you the credit will not earn Chase points. Once a qualifying transaction is posted to your account, the statement credit should get credited within one or two billing cycles.

To use the Sapphire Preferred annual hotel credit, you book a hotel stay through Chase Travel SM . This platform works like booking through another online travel agency like Expedia , Priceline or Kayak . Simply search for the dates and the location where you need a hotel and book from the available options.

To use the hotel credit, first log in to your Chase credit card account and navigate to the Ultimate Rewards page. Next, select the "Travel" drop-down menu and click "Book travel."

Choose "Hotels" and enter the information for your trip. Once you start a search, you can filter the results by star rating, brand, cost and more.

After you've selected the hotel and specific room type, you'll be able to see the final cost in dollars and points.

To earn the full $50, you need to charge at least $50 on your card. If you want to pay with points, just be sure to redeem points for all but $50 of the cost. You can easily adjust how many points you're using for the booking in the "Points redeemed" box, just be sure to click the update button when you change the number of points you want to use.

From here follow the steps to enter the traveler information and payment card info before you finalize the reservation. Be sure to pay with your Chase Sapphire Preferred card. If you don't book with your Sapphire Preferred, you won't earn the credit.

The Sapphire Preferred hotel credit is straightforward — just book a hotel through Chase Travel SM to qualify for the offer. However, you should compare prices for the same dates, hotel and room type to ensure you're getting the best price when booking with Chase. As long as you aren't paying more for the booking, taking advantage of this credit makes sense.

If elite status perks are worth more to you for a particular stay, you may want to consider trying to maximize this credit on a different booking. That's because when you book hotels through a third-party site such as Chase Travel SM you typically won't earn elite status credit. You also won't normally receive elite status benefits, such as free breakfast or room upgrades.

If you're looking for hotel credits and benefits, a co-branded hotel credit card will typically offer the most value, but the perks will be tied to a specific brand. For statement credit perks that are more universal, you'll likely need to consider a general travel credit card.

The Capital One Venture X Rewards Credit Card (see r ates and fees ) offers an annual travel credit of up to $300 for bookings made through Capital One Travel. This credit applies to hotels, but also flights, rental cars and more. When you combine this travel credit with the card's annual 10,000-mile bonus, it's not hard to justify keeping this premium credit card .

Capital One Venture X Rewards Credit Card

10 Miles per dollar on hotels and rental cars, 5 Miles per dollar on flights when booked via Capital One Travel; unlimited 2X miles on all other eligible purchases

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

See rates and fees . Terms apply.

Read our Capital One Venture X Rewards Credit Card review.

The U.S. Bank Altitude® Reserve Visa Infinite® Card has an incredibly easy-to-use travel and dining credit worth up to $325 every year. To qualify for the credit you don't need to book through a specific site. Instead, you just pay for travel or dining with the card and you'll earn the credit on the first $325 in eligible spending.

U.S. Bank Altitude® Reserve Visa Infinite® Card

5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center; 3X points on every $1 on eligible travel and mobile wallet spending

Earn 50,000 bonus points (worth about $750 in travel) after spending $4,500 within the first 90 days of account opening

22.24% to 29.24% (Variable)

3% of the amount of each transfer, with a $5 minimum

See  rates and fees , terms apply.

For a limited time, the Chase Sapphire Preferred has an excellent increase welcome offer. However, it also has an extensive array of ongoing benefits for cardholders. These benefits include an annual $50 hotel credit that applies to hotel bookings you make through Chase Travel SM .

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

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Chase Sapphire Preferred review 2024

In a nutshell:

Flexible rewards with a low annual fee.

• annual_fees annual fee.
• Ability to transfer points to hotel and airline partners.
• Other benefits include a $50 hotel credit through Ultimate Rewards and DoorDash DashPass subscription for a year.

The AP Buyline roundup:

The card_name is one of the most accessible and flexible travel rewards cards out there. For a annual_fees annual fee, you can earn rewards that you can redeem through the Chase Ultimate Rewards portal or by transferring points to various airline and hotel partners. Other benefits include no foreign transaction fees, a $50 hotel credit you can use through Chase Ultimate Rewards and complimentary subscriptions to Instacart+ and DoorDash DashPass.

As for earnings, you can get 5 points per dollar on travel through Chase Ultimate Rewards, on Lyft rides through Nov. 14, 2024, and on Peloton equipment and accessory purchases through Mar. 31, 2024; 3 points per dollar on dining, online grocery purchases and qualifying streaming services; 2 points per dollar on travel purchases and 1 point per dollar on all other purchases. However, you won’t get other perks other travel rewards card offers such as airport lounge access or other types of traveler credits.

Chase Sapphire Preferred® Card

Why we like it, who is chase sapphire preferred for.

The card_name is great for occasional to frequent travelers who are looking to dive into the world of rewards credit cards. This card offers plenty of value: Cardholders can for the most part justify the cost if they're able to take advantage of perks that offset the annual fee. Travelers who prefer certain airline or hotel brands will find that the flexible redemption options and the ability to transfer points to travel partners are mostly beneficial. However, if your credit score isn’t considered good, or you’re looking for more luxury travel perks, this card may not be the best fit.

Chase Sapphire Preferred features

Rewards earnings.

This card offers several high rewards earning categories, best for those who make frequent travel purchases:

• 5 points per dollar on travel purchases through Chase Ultimate Rewards, Lyft rides through Nov. 14, 2024, and Peloton equipment and accessory purchases through March 31, 2024.
• 3 points per dollar on online grocery purchases (except wholesale clubs, Target, and Walmart), dining and participating streaming services.
• 2 points per dollar on travel purchases.
• 1 point per dollar on all other purchases.

What’s more, you’ll earn 10% bonus points on your cardholder anniversary that’s based on the total amount you spend on the card within the year. In other words, you’ll earn one dollar for every 10 dollars you spend. For example, if you spend $20,000 on your card_name , you’ll earn 2,000 in bonus points on your cardholder anniversary.

Welcome bonus

Travel credit.

Cardholders receive a $50 credit annually towards a hotel purchase through Chase Ultimate Rewards. You will need to pay for the reservation in cash and not points to be eligible for this credit.

The fine print

Chase has several airline and hotel rewards partners where you can transfer your Chase points to, in most cases at a 1:1 ratio. Doing so can be more beneficial as it can maximize the amount of rewards you can receive with your points.

Chase’s airline partners include :

• Aer Lingus AerClub.
• Air Canada Aeroplan.
• British Airways Executive Club.
• Emirates Skywards®.
• Flying Blue (Air France - KLM).
• Iberia Plus.
• JetBlue TrueBlue.
• Singapore Airlines KrisFlyer.
• Southwest Airlines Rapid Rewards.
• United MileagePlus.
• Virgin Atlantic Flying Club.

Their hotel partners include :

• IHG One Rewards.
• Marriott Bonvoy.
• World of Hyatt.

Additional hidden perks

International travelers can save a few bucks because the card_name doesn't charge a foreign transaction fee, something you pay for the privilege of using your card overseas. There are also other travel protections such as primary car rental insurance, baggage delay, trip delay and trip cancellation and interruption insurance. Cardholders can also receive referrals for different medical, travel, emergency and legal assistance from the Chase Benefit Administrator, but be aware that you will pay the full cost for services you obtain from the Benefit Administrator.

Where the Chase Sapphire Preferred doesn’t measure up

While a great beginner’s travel rewards card, Chase Sapphire is a great fit for those who don’t travel enough to offset the annual fee. It may also not be an attractive card for those who are very frequent travelers and are looking for more luxury benefits such as airport lounge access or additional travel credits.

Alternatives to Chase Sapphire Preferred

Frequently asked questions (faqs), is card_name hard to get approved for.

The card_name is generally geared towards those with very good to excellent credit scores. That being said, your chances of qualification will depend on factors such as your credit history, income and other financial indicators.

What salary do you need for card_name ?

Chase doesn’t disclose a minimum salary requirement for the card_name . Plus, there are other factors that may affect your chances of qualifying for the card, such as your credit score.

Is card_name for beginners?

The card_name card can be a good choice for beginners who want to earn flexible travel rewards.

What is the 48-month rule for card_name ?

The 48-month rule refers to bonus rewards you can earn with any Chase Sapphire cards. Meaning, you can only earn signup bonuses every 48 months. If you want to open another Chase Sapphire card and earn a bonus less than 48 months ago, you’ll have to hold off.

Why I’ll Never Cancel the Chase Sapphire Preferred, Even Though I Haven’t Used It in Years

Vault’s viewpoint on the chase sapphire preferred.

• The Chase Sapphire Preferred is widely considered one of the best travel rewards credit cards on the market.
• In exchange for a $95 annual fee, you’ll receive solid travel insurance, various statement credits and more.
• I never swipe my Chase Sapphire Preferred, but I keep the card year after year because of one simple perk.

The Chase Sapphire Preferred Needs a Facelift

In a rare move, the Chase Sapphire Preferred recently increased its welcome bonus. You’ll now earn 75,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first three months from account opening. That’s a wildly valuable credit card bonus —15,000 points higher than the card’s previous offer, in fact.

But other than the odd increased bonus, the Chase Sapphire Preferred hasn’t seen a proper update in a long while. Issuers unveil new travel credit cards and/or improve existing credit cards regularly, while the Sapphire Preferred hasn’t had a meaningful update in our view since mid-2021.

Here’s what it offers for a $95 annual fee:

• Strong earning rates on everyday purchases
• Up to $50 in annual statement credits for hotel stays purchased through Chase Travel
• 10% annual bonus points each account anniversary based on the amount of money you’ve spent over the past year (for example, 1,000 bonus points for $10,000 in spending)
• Excellent travel insurance (primary rental car insurance, trip delay insurance, baggage delay insurance and more)
• A handful of limited-time perks with DoorDash, Lyft, Instacart and Peloton

Admittedly, these perks make the Chase Sapphire Preferred worth the annual fee for those who travel even a few times each year. But I don’t use those benefits myself—and I still refuse to cancel the card.

Why I Haven’t Used the Chase Sapphire Preferred in Years

Along with my Sapphire Preferred, I hold two other Ultimate Rewards-earning credit cards — the Chase Freedom Flex℠ and the Chase Freedom Unlimited® . These no-annual-fee credit cards are my everyday workhorses; their earning rates rival (and in some cases best) the Chase Sapphire Preferred.

Here’s a quick earning rates comparison between the Chase Sapphire Preferred and the Chase Freedom cards. For reference, the Flex and Unlimited are considered cash back cards but rewards are technically earned in the form of points.

As you can see, there are only slight differences between each card. Unless you regularly order groceries online, you’ll probably earn more rewards each month by using a Chase Freedom card instead of the Chase Sapphire Preferred.

I personally use the Chase Freedom Flex for its rotating bonus categories , which are often exceptionally broad (think Amazon, grocery stores, Walmart.com, etc.). I use the Chase Freedom Unlimited for everything else; its base 1.5 points per dollar is 50% higher than the Chase Sapphire Preferred , so I funnel through it any expenses that don’t fall into a common credit card bonus category.

The other significant benefit that comes with the Chase Sapphire Preferred is travel insurance—but I’ve got other credit cards that I prefer to use when I need to cover myself, so the card remains untouched.

The Annual Fee Is Worth It for One Single Perk

Though my Chase Sapphire Preferred hasn’t tasted a payment terminal in years, it still works hard for me behind the scenes. The reason I have no intention of canceling it in the foreseeable future is that it unlocks the full potential of my Chase points.

The points earned with my Chase Sapphire Preferred are worth more than the points earned with a Chase Freedom card. When you earn points with cards like the Chase Freedom Flex, your best redemption is for cash back at a rate of 1 cent each. But when you hold the Chase Sapphire Preferred, the value per point can literally double or triple. You can redeem them through Chase’s travel portal at a rate of 1.25 cents each. Or, you can transfer them to Chase Ultimate Rewards transfer partners for massive discounts on airfare and hotel stays.

I earn an average of 55,000 Chase points per year from everyday spending. Without the Chase Sapphire Preferred, those points are worth $550. But with the Chase Sapphire Preferred, I can do things like:

• Get $687.50 in travel by redeeming for airfare, hotel stays and rental cars through Chase Travel
• Transfer 54,000 points to Hyatt for three nights at the Hyatt Place Park City, Utah, during ski season (a $1,400+ value)
• Transfer 40,000 points to Air France for a round-trip flight to Paris on Air France (an $800+ value)

Moving points from a Chase Freedom card to the Chase Sapphire Preferred is similar to transferring money from your savings account to your checking account. Within the Chase Ultimate Rewards portal, you’ll find a “Combine your points” option. This lets you choose the cards between which you’d like to transfer Chase points . With a few clicks, you can move your rewards from a Freedom card to a Sapphire card and instantly skyrocket their potential value.

All this to say, the Chase Sapphire Preferred is worth $95 of my hard-earned dollars each year because it adds many hundreds of dollars in value to my travels annually—all from the comfort of my nightstand drawer.

Frequently Asked Questions

Is the chase sapphire preferred worth it if i don’t travel.

The Chase Sapphire Preferred is likely not worthwhile if you don’t travel. Though the card earns a respectable number of points on everyday purchases, its real value is in its travel insurance and travel-centric rewards program. You’re likely better off with a cash back credit card if you don’t take at least a couple of trips each year.

Is the Chase Sapphire Preferred Hard To Get?

The Chase Sapphire Preferred isn’t particularly hard to get, though it’s recommended for those who have a good to excellent credit score (FICO defines “good” as 670 or above). Also, note this card is not available to either current cardmembers of any Sapphire credit card or previous cardmembers of any Sapphire credit card who received a welcome bonus within the last 48 months.You also likely won’t be approved if you’ve opened five or more credit cards from any issuer in the past 24 months (excluding most business credit cards ).

What’s Better, Chase Sapphire Reserve or Preferred?

The Chase Sapphire Reserve® is better than the Chase Sapphire Preferred. It comes with hundreds of dollars in annual travel credits, access to over 1,300 airport lounges (when you enroll), greater travel insurance and more. However, the card charges a $550 annual fee—significantly more than the Chase Sapphire Preferred’s $95 annual fee.

The post Why I’ll Never Cancel the Chase Sapphire Preferred, Even Though I Haven’t Used It in Years first appeared on Newsweek Vault .

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How TSA PreCheck Works with the Chase Sapphire Reserve Card

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

For some travelers, airport security checkpoints can feel like an inevitable frantic scramble at the onset of a trip. The Chase Sapphire Reserve® 'sTSA PreCheck benefit eases this experience by letting enrolled cardholders maneuver through security with fewer restrictions and, sometimes, in less time.

Whether you’re a current or prospective Chase Sapphire Reserve® cardholder, here’s what to know.

Chase Sapphire Reserve® TSA PreCheck benefit

Some travel rewards credit cards, including the Chase Sapphire Reserve® , offer a statement credit for TSA PreCheck enrollment fees.

Through the Chase Sapphire Reserve® card, you can receive up to $100 statement reimbursement when using your card to pay for TSA PreCheck, Global Entry or NEXUS programs.

» Learn more: How do travel card statement credits work?

The Transportation Security Administration, a division under the U.S. Department of Homeland Security, offers the PreCheck program. As an enrollee in TSA PreCheck, you can access PreCheck lanes to go through security checks at more than 200 U.S. airports.

TSA PreCheck lets you bypass some of the standard requirements of the airport security process. Enrollees aren’t typically required to remove shoes, belts, laptops, lightweight jackets or 3-1-1 liquids from their bags.

» Learn more: TSA carry-on restrictions you need to know

Despite having PreCheck, though, you might still be asked to remove certain items if they activate TSA’s metal detectors (for example, this happens frequently with Birkenstock sandals that have a metal buckle).

The airline you’re flying on must participate in the program, but many domestic and major international airlines do.

In general, TSA PreCheck passengers can typically expect to wait under 10 minutes in security lanes. If you’re eligible for the Chase Sapphire Reserve® TSA PreCheck credit, the time saved and heightened convenience of getting air side faster are worth it.

How to get TSA PreCheck with Chase Sapphire Reserve®

If you’ve decided that you want to use this benefit toward the TSA PreCheck program, you’ll need to take a few steps to activate it. Here’s how to redeem the credit for TSA PreCheck via Chase Sapphire Reserve® :

Fill out the online form. Complete and submit the TSA PreCheck online form. This process takes about five minutes. 

Schedule an appointment. Making an appointment with a TSA-authorized enrollment partner can help make your in-person processing experience smoother. At the appointment, you’ll provide your identification documents. Also, be prepared to have your fingerprints and photo taken and to provide payment.

Pay for the enrollment fee. The enrollment fee varies between enrollment providers. Currently, the TSA PreCheck enrollment fee is up to $85 for new enrollees. Make sure you use your Chase Sapphire Reserve® credit card as your TSA PreCheck enrollment payment method. The TSA won’t reimburse you for payments made to a fraudulent enrollment provider; make sure that the entity that’s processing your enrollment is on the tsa.gov site.

Verify that you got statement credit. Confirm whether Chase applied the TSA PreCheck benefit credit to the transaction on your billing statement. It might take one to two billing cycles to see the credit applied.

Once you’re fully enrolled, your TSA PreCheck status is valid for five years . The Chase Sapphire Reserve® TSA PreCheck renewal cycle occurs every four years so you can renew using your next Chase reimbursement credit well before your TSA PreCheck expires.

» Learn more: The best airline credit cards right now

What else you need to know

When traveling, keep the following in mind so you know what to expect from your Chase Sapphire Reserve® TSA PreCheck benefit.

You must pay the enrollment fee with the right card. To receive your TSA PreCheck reimbursement, you must use your Chase Sapphire Reserve® credit card to pay for the fee. 

The benefit amount doesn’t increase with more authorized users. Chase offers one TSA PreCheck fee credit up to $100 per Chase Sapphire Reserve® card account. If you have authorized users on the account, they won’t receive their own TSA PreCheck enrollment credit. Instead, the benefit can be used for one application, either by the primary cardholder or another authorized user on the account. 

You won’t get a TSA PreCheck card. Enrolled TSA PreCheck participants will receive a unique Known Traveler Number (KTN). Your KTN will stay the same, even upon renewal. Add this number to your flight reservation so the TSA PreCheck logo appears on your boarding pass. 

TSA PreCheck doesn’t offer guarantees. Although TSA PreCheck lanes can help you get through airport security checkpoints faster, having TSA PreCheck doesn’t guarantee that your screening experience will be expedited. 

Chase Sapphire Reserve®

Does Chase Sapphire Reserve® cover TSA PreCheck? Yep

The credit from Chase Sapphire Reserve® fully covers the cost of TSA PreCheck enrollment or renewal fees once every four years. It’s just another of the many ways to offset the card’s steep annual fee of $550 ($75 for each authorized user).

» Learn more: Is the Chase Sapphire Reserve worth its annual fee?

Besides, if you even travel just once a year, it's a handy benefit that makes your travel experience smoother, if you’re willing to undergo the application process.

Yes. As a Chase Sapphire Reserve® cardholder, you can get reimbursed for up to $100 as a statement credit toward TSA PreCheck enrollment. This benefit is available every four years.

Yes, there are a handful of Chase cards that offer a TSA PreCheck benefit to cardholders. For example, Chase Sapphire Reserve® , Aeroplan® Credit Card , Southwest® Rapid Rewards® Performance Business Credit Card , United℠ Explorer Card , United Club℠ Infinite Card and the United Quest℠ Card offer the benefit. Learn more about Chase credit cards .

Enrollment into TSA PreCheck or Global Entry both require visiting an enrollment location in person. However, processing timelines for Global Entry are generally longer than TSA PreCheck. Currently, you can typically get your TSA PreCheck Known Traveler Number within three to five days after getting approved, but it can take up to 60 days. Applications for Global Entry can take four to six months to process.

cardholder, you can get reimbursed for up to $100 as a statement credit toward TSA PreCheck enrollment. This benefit is available every four years.

Yes, there are a handful of Chase cards that offer a TSA PreCheck benefit to cardholders. For example,

Aeroplan® Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

United℠ Explorer Card

United Club℠ Infinite Card

United Quest℠ Card

offer the benefit. Learn more about

Chase credit cards

Enrollment into

TSA PreCheck or Global Entry

both require visiting an enrollment location in person. However, processing timelines for Global Entry are generally longer than TSA PreCheck. Currently, you can typically get your TSA PreCheck

Known Traveler Number

within three to five days after getting approved, but it can take up to 60 days. Applications for Global Entry can take four to six months to process.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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 a similar note...

Introduction to VisitorsCoverage Travel Insurance

• Types of Policies Offered
• VisitorsCoverage Cost
• Customer Service and Support

How to File a Claim with VisitorsCoverage Travel Insurance

• Why You Should Trust Us

VisitorsCoverage Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies . VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.

Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse travel insurance plans for solo and group travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers medical insurance for US visa holders for up to two years
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers plans designed for missionaries and international volunteers
• con icon Two crossed lines that form an 'X'. VisitorsCoverage does not underwrite or service travel insurance plans
• con icon Two crossed lines that form an 'X'. Claims experiences may vary widely based on which carrier you buy your plan from

VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don't have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage's website as well as manage your policy and adjust your coverage.

You'll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.

While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn't field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn't a major exclusion, but it means you have to conduct additional research for that information, which isn't ideal for a service that exists primarily to simplify the buying process.

Types of Policies Offered by VisitorsCoverage

VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you're looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.

It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,

If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you're traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).

One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers , catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.

Additional Coverage Options (Riders)

VisitorsCoverage has filters that can tailor your insurance search based on your needs. You'll find specific search functions for the following types of travel insurance :

• AD&D insurance coverage: This provides a lump sum benefit to the insured's beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
• Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
• Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
• Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It's ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
• Student visa insurance:  Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.

VisitorsCoverage Travel Insurance Cost

The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.

Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.

VisitorsCoverage Customer Service and Support

VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn't necessarily a reflection on VisitorsCoverage, but the actual insurance provider.

It's worth noting that VisitorsCoverage's customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.

VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it's no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.

If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don't have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.

Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.

VisitorsCoverage Frequently Asked Questions

 You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at [email protected]. Business hours are from 7: a.m. - 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage's website chat function.

Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.

VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions. 

VisitorsCoverage doesn't have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.

You can filter your insurance search based on companies that offer adventure activities. You'll need to conduct your own independent research to see if your particular sport is covered under a particular policy.

Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review

When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.

Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it's not the travel insurance company, but we reviewed it based on the support provided, its partners' coverage, etc.

You can learn more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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