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April 28, 2018

Chase Sapphire Travel Insurance Benefits Review

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Is travel insurance on the Chase Sapphire cards good enough? Here's what's covered and how it compares to other policies.

© CreditDonkey

The Chase Sapphire cards are a couple of the best travel reward cards. In addition to a great reward program, they also offer valuable travel insurance benefits.

To start, check out the latest Sapphire Preferred promotion. If you travel several times a year, you should definitely take a look at the Sapphire Reserve promotion.

You've booked a vacation and you want to be sure your investment is protected. After all, you never know if you need to cancel a trip or if the airline loses your luggage.

If you used your Chase Sapphire card to pay for your trip, you already have some travel coverage. Is it enough? Take a look at some of the benefits and how they compare to a standalone insurance policy.

Travel Insurance You Didn't Know You Had

  • Trip Cancellation/Interrupted
    If you need to cancel your trip, you may be able to get back some of your expenses.

    Both the Preferred and Reserve cover up to $10,000 per person and $20,000 per trip. The benefit reimburses non-refundable, pre-paid costs, such as flights, hotels, and tours. Covered circumstances include weather, illness, or death in the family. Check the plan details for the full list of covered reasons.

  • Trip Delay
    Chase Sapphire will reimburse you for qualified expenses up to $500 per person if your flight, train, or cruise is delayed.

    Qualified expenses include hotels, meals, and other essentials. The Preferred benefit is for delays more than 12 hours (or overnight), while the Reserve is for delays more than 6 hours (or overnight).

  • Lost Luggage
    When your checked or carry-on luggage is lost or damaged by the common carrier, Chase Sapphire benefits will reimburse you. Both the Preferred and Reserve cover up to $3,000 per passenger (up to $500 per person for jewelry, watches, and electronics).

  • Baggage Delay
    If your baggage is delayed for over 6 hours after you arrive, you can be reimbursed for essentials, such as toiletries and clothes. Both cards cover up to $100/day for 5 days.

  • Travel and Emergency Assistance
    When you need emergency help on your trip, the Chase Sapphire benefit team can provide assistance free of charge. They can help refer you to English-speaking doctors or attorneys, or arrange for emergency transportation to a hospital or home.

    This is an information-only service, though. The cost for services you receive are not covered by the Chase benefit.

  • Travel Accident/Death Insurance
    When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment insurance coverage. The Preferred covers up to $500,000, while the Reserve covers up to $1,000,000.

If you're still unsure, read our comparison piece for the two Chase travel cards.

Emergency Medical Care

  • Chase Sapphire Preferred does NOT cover include medical coverage. You're taking a big risk if you choose to travel without medical benefits. This is one of the biggest reasons travelers choose to buy a standalone travel insurance policy.

  • Chase Sapphire Reserve does cover up to $2,500 for emergency medical care. If you are at least 100 miles from home, you can get reimbursed for qualified emergency medical care for you or immediate family members. The Reserve also provides coverage for emergency evacuation up to $100,000.

    Evacuation can be really expensive, anywhere from $100,000 to $1,000,000. So just note that the Reserve evacuation coverage may not be sufficient if you really need it.

If you travel internationally (or even out-of-state) a few times a year, be sure to check out the Reserve.

How Coverage Compares

So how does the Chase Sapphire travel insurance compare to standalone policies? Let's take a look.

  • Standalone insurance
    One option is to the buy standalone insurance from travel insurance companies. Websites like travelinsurance.com or insuremytrip.com will allow you to compare plans and prices from many companies. The cost can be as low as under $20, depending on how much coverage you want.

    The price for standalone insurance is usually based on your total trip cost. So the price for a trip with $10,000 in pre-paid expenses will cost a lot more than a trip with just $2,000 in pre-paid expenses. The good thing about Chase Sapphire trip cancellation/interruption is that it covers up to $10,000 per person and $20,000 per trip. But if your trip is very expensive and costs more than that, you may want to get another insurance to cover the rest.

    For a trip with $2,000 in pre-paid expenses, you can get a plan that costs under $100 and includes trip cancellation, baggage loss, and emergency medical and evacuation.

  • Airline insurance
    Many airlines offer trip insurance based on the cost of the trip. But it usually costs more than standalone insurance. For United, the cost is 7% the cost of ticket ($20 minimum). Delta is anywhere between 9% and 10% of the trip cost ($49 minimum). American Airlines is similar. So for a trip that costs $2,000, the insurance cost will be $189.

    We find that the coverage (especially the baggage coverage) is usually not as good as Chase Sapphire's. However, the airline insurance will cover emergency medical care and evacuation, whereas the Sapphire Preferred does not.

Bottom Line

Chase Sapphire offers a range of valuable trip benefits. Many of these benefits are comparable to a standalone travel insurance policy. Frequent travelers can save a lot by using a Chase Sapphire card instead of buying their own travel insurance. But note that the Sapphire Preferred does NOT provide medical and evacuation coverage. If you want to be truly safe or you do a lot of adrenaline activities on you trips, you might considering getting standalone medical travel insurance.

If you decide to use your credit card, remember that coverage is determined by the terms, conditions, and exclusions of the policies applicable to your card.

Chase Sapphire Reserve
Apply for Chase Sapphire Reserve
At Chase's Secure Site
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.99% - 24.99% Variable
$450

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

More from CreditDonkey:


Chase Sapphire Preferred Review


Chase Sapphire Reserve Review


Chase Ultimate Rewards Review

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Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.99% - 24.99% Variable
$0 Intro for the First Year, then $95


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