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Travel Insurance Benefits for the Chase Sapphire Reserve® Card

Travel Insurance Benefits for the Chase Sapphire Reserve® Card

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Your flights are booked, your hotels reserved and you're ready to go. But have you purchased travel insurance?

If you have the Chase Sapphire Reserve®, you might not need to. Apart from offering lucrative rewards and VIP perks like airport lounge access, this premium travel credit card also offers some of the most generous benefits when it comes to credit card travel insurance. Here's what you need to know about the Chase Sapphire Reserve® travel insurance, what it covers and whether or not it's enough for your next trip.

What does Chase Sapphire Reserve® travel insurance cover?

The Chase Sapphire Reserve® travel insurance offers a long list of protections that provide generous coverage for a variety of unforeseen circumstances. These include more common benefits like trip cancellation/interruption insurance, rental car insurance and delayed baggage reimbursement as well as protections like emergency medical and dental insurance and travel accident insurance. Here's what Chase Sapphire Reserve® travel insurance does and doesn't cover.

Chase Sapphire Reserve®

On Chase's Secure Website


21.24% - 28.24% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 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 PassTM 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

Chase Sapphire Reserve® travel insurance benefits

Coverage amount
Rental car insuranceUp to $75,000
Trip cancellation/interruptionUp to $10,000 per person or $20,000 per trip
Trip delay reimbursementUp to $500 per ticket
Lost luggage reimbursementUp to $3,000 per passenger
Delayed baggage reimbursementUp to $100 per day for 5 days
Roadside assistanceUp to $50 per incident four times per year
Emergency evacuationUp to $100,000
Emergency medical and dentalUp to $2,500
Travel accident insuranceUp to $1,000,000 for Common Carrier Travel Accident Insurance or $100,000 for 24 Hour Travel Accident Insurance
Travel and emergency assistanceN/A

Rental car insurance

Quick takeaway
Coverage amountsUp to $75,000 in primary coverage
What it coversTheft and collision damage
Important exclusionsAntique cars, large vans, cars with an open cargo bed, trucks, motorcycle, mopeds, motorbikes, limousines, recreational vehicles, personal belongings and injury

The Chase Sapphire Reserve® offers some of the best credit card rental car insurance. Valid in both the U.S. and abroad, it's primary rental car insurance, which means you can use it without having to file a claim with your personal insurance. The coverage amount of $75,000 should easily cover any potential damage to most rental cars. You'll have to decline the rental agency's collision coverage and put the full cost of the rental car on your Chase Sapphire Reserve®, and your rental period can't exceed 31 days.

Trip cancellation/interruption

Quick takeaway
Coverage amountsUp to $10,000 per person or $20,000 per trip
What it coversNonrefundable, prepaid expenses for a trip that is cancelled or interrupted due to sickness, accidental injury, loss of life, severe weather, terrorist actions, hijacking, jury duty or court subpoena that can't be postponed or waived
Important exclusionsPreexisting conditions, travel that goes against the advice of a physician, trips exceeding 60 days, financial insolvency of travel company, a declared or undeclared war

The Chase Sapphire Reserve®'s trip cancellation insurance comes with fairly standard exclusions and coverage amounts that are significantly more generous than what most credit cards offer, including other premium cards within the same class. The trip cancellation policy will reimburse any nonrefundable trip expenses that were prepaid with your Chase Sapphire Reserve®, such as hotels, tours and airfare, as long as they were cancelled for a covered reason. There is a $40,000 annual maximum on the benefit, and it only kicks in if you haven't already been reimbursed by the travel company or any other travel insurance you hold.

Trip delay reimbursement

Quick takeaway
Coverage amountsUp to $500 per ticket
What it coversReasonable expenses, such as food, personal items and accommodations, incurred due to a trip delay that is either overnight or more than six hours
Important exclusionsDelays you knew about before leaving for your trip and prepaid expenses

If you're ever stuck at an airport for hours on end or in a foreign city overnight due to flight delays, this benefit could come in handy. The Chase Sapphire Reserve® travel insurance includes trip delay reimbursement, which will cover any reasonable expenses you incur in the meantime as long as you aren't already being reimbursed by your airline or other common carrier. The amount — $500 per ticket — should be more than enough to cover a typical delay.

Lost luggage reimbursement

Quick takeaway
Coverage amountsUp to $3,000 per passenger
What it coversChecked or carry-on luggage that's damaged or lost by an airline and personal items within the luggage
Important exclusionsDocuments, money, securities, tickets, checks and furs; loss due to war; coverage of jewelry, watches and electronics is limited to $500 per person per trip

If an airline or other common carrier damages or loses your luggage on a trip you've paid for with your Chase Sapphire Reserve®, you can use your Chase Sapphire Reserve® travel insurance to claim up to $3,000 in reimbursement for the luggage and covered personal property within the luggage. This benefit only kicks in after you've used up any other coverage like the airline's reimbursement policy and outside travel insurance. If the airline you're traveling on refuses to pay out, or only pays out a small portion of the value of lost or damaged luggage, this benefit can really come in handy to cover the difference. Both the cardholder and immediate family members are covered by this benefit. The Chase Sapphire Reserve®'s coverage amount is in line with competing cards that offer this benefit, although many credit cards don't offer luggage reimbursement at all.

Delayed baggage reimbursement

Quick takeaway
Coverage amountsUp to $100 per day for up to five days
What it coversEssential items such as toiletries, clothes and one cell phone charger
Important exclusionsContacts, glasses, hearing aids, tickets, valuable documents, money, securities and checks

Similar to the trip delay reimbursement, the Chase Sapphire Reserve® travel insurance includes a delayed baggage benefit comes into play if a trip you purchased with your credit card is delayed for six hours or longer. This policy covers the cardholder, the cardholder's spouse or domestic partner and immediate family members. You can use this benefit to purchase any emergency essential items you need during your delay, and the coverage amount lasts for up to five days, while some competing cards only offer up to three days of coverage. If you have your own travel insurance, or if the transportation provider offers reimbursement, you'll have to file a claim with them first.

Roadside assistance

Quick takeaway
Coverage amountsUp to $50 per incident four times per year
What it coversBreakdown services required while on the road, including battery charging, flat tire service, fuel delivery, towing and lockout assistance
Important exclusionsAreas that aren't commonly traveled such as off-road areas, commercial vehicles, campers, vehicles-in-tow and trailers with over one-ton capacity

The Chase Sapphire Reserve® offers roadside assistance for cardholders driving a vehicle they own or lease in the U.S. or Canada. As long as the roadside assistance service you need is covered, this will provide up to $50 in coverage for each service event as many as four times per year. You'll have to call the Chase Sapphire Reserve®'s roadside assistance line — which is available 24 hours per day, 365 days per year — at 1-866-860-7978.

Emergency evacuation

Quick takeaway
Coverage amountsUp to $100,000
What it coversTransportation (including land ambulances, air ambulances and motor vehicles), medical services and medical supplies that are necessary for an emergency evacuation
Important exclusionsTravel for medical treatment, non-emergencies, experimental care

If you're severely injured or fall ill while traveling and need to be transported to a medical facility, you might require emergency evacuation services. Emergency evacuation is extremely costly — it can easily reach $25,000, or more if you're being transported long distances — so it's important to have some type of coverage. The Chase Sapphire Reserve® travel insurance offers some of the best emergency evacuation coverage of any credit card, with a coverage amount of up to $100,000. You'll only be covered if you paid for the trip with your credit card and it involves common carrier transportation, such as airline, bus, train or cruise ship travel. You'll need to make a claim on any insurance you hold that covers emergency evacuation first, and a Chase Benefit Administrator must arrange the emergency evacuation in order for it to be covered by your Chase Sapphire Reserve®.

Emergency medical and dental

Quick takeaway
Coverage amountsUp to $2,500
What it coversNecessary medical or dental services, hospital charges, ambulance services, medication and therapeutic services
Important exclusionsNon-emergencies and care that's not medically necessary, care not administered by a qualified medical professional, experimental care and countries that are deemed unsafe for travel by the U.S. government

While the Chase Sapphire Reserve®'s medical and dental coverage of up to $2,500 (with a $50 deductible) isn't enough to cover many potential medical emergencies, it's still more generous than what you'll likely get elsewhere. Most credit cards, including premium cards that compete with the Chase Sapphire Reserve®, don't offer this benefit at all. You'll also get $75 per day for a hotel for up to five days if a physician deems it necessary for you to stay and recover. In order to qualify for this benefit, you need to be traveling at least 100 miles from home for between five and 60 days.

Travel accident insurance

Quick takeaway
Coverage amountsUp to $1,000,000 for Common Carrier Travel Accident Insurance or $100,000 for 24 Hour Travel Accident Insurance
What it coversCovered loss that occurs while traveling with an airline, bus, train, or cruise ship company for Common Carrier Travel Accident Insurance or loss that occurs during a trip that doesn't exceed 30 days
Important exclusionsEmotional trauma, illness, disease, infection, pregnancy, illegal activity, certain high-risk sports or recreational activities, war, travel on aircrafts that aren't registered or certified by the government

Travel accident insurance provides coverage for accidental death, dismemberment, or a combination of loss of speech, sight or hearing. There are two different types offered by the Chase Sapphire Reserve® travel insurance:

  • Common Carrier Travel Accident Insurance, which covers you during transport with a common carrier and comes with a very high coverage limit
  • 24 Hour Travel Accident Insurance, which covers you for the duration of your trip and comes with a lower but still generous coverage limit.

You have to have purchased the trip using your Chase Sapphire Reserve® to take advantage of this benefit, and you can't receive a payout from both types of travel accident insurance for the same event.

Travel and emergency assistance

Quick takeaway
Coverage amountsNot applicable
What it coversAssistance and referrals via phone for emergency services while traveling for the cardholder, cardholder's spouse or domestic partner and dependent children below age 22
Important exclusionsThe cost of emergency services

In addition to the Chase Sapphire Reserve® travel insurance, this card also comes with a travel and emergency assistance benefit. This isn't a form of insurance but rather an emergency assistance phone line available to cardholders at all times during their travels. As a cardholder, you can call this toll-free number if you ever need assistance such as a medical referral, a legal referral, emergency transportation assistance, emergency ticket replacement, help locating lost luggage, emergency message service, emergency translation, prescription assistance, valuable document delivery or pre-trip assistance.

This benefit doesn't cover any costs you incur — for example, you can use it to find a medical facility if you fall ill while traveling, but it won't cover the cost of your treatment. That being said, it's a very useful service to have on hand whether you find yourself in an emergency or simply want assistance gathering useful information for a trip you've planned.

How to file a travel insurance claim with your Chase Sapphire Reserve® card

1. Start a new claim with Chase's claims center.

Start a new claim with Chase's claims center

You can file a Chase Sapphire Reserve® travel insurance claim at by selecting "New Claim" and inputting your card information. After that, you'll be asked to select a claim type to begin filling out your claims form. The exception is Chase's emergency evacuation and transportation insurance. In order to use this benefit, you'll have to first contact your benefit administrator who will preapprove and arrange the evacuation. The benefit administrator will then send you a claims form.

2. Enter your personal information and claim details.

Enter your personal information and claim details

The claims form will ask for basic personal and contact information as well as information about your trip and/or incident. Once you've filled in both forms you'll be taken to the "Document Upload" page.

3. Gather and upload the required documents.

You'll likely need a few documents to file your Chase Sapphire Reserve® travel insurance claim, although the exact documents you need will vary depending on the benefit you're filing for. For example, if you're filing for rental car insurance coverage, you'll need a copy of the accident report, a copy of your rental agreement, a copy of the itemized repair bill, photographs of the damaged vehicle and a statement of claim from the rental agency.

To take advantage of the Chase Sapphire Reserve® trip cancellation benefit, you'll need to upload a copy of your monthly billing statement that shows the trip was charged to your Chase Sapphire Reserve®, copies of your original and updated travel itinerary and tickets, documentation of the covered reason for trip cancellation or interruption, a copy of the cancellation policy of your travel provider, the settlement response from the travel company and proof of any covered expenses incurred. You can find a full list of required documents for each claim type at

4. Confirm your claim and wait to hear back from a claims specialist.

Once you've submitted your Chase Sapphire Reserve® travel insurance claim, you should hear back from a claims specialist within five business days. They'll let you know if they need additional documentation and whether you claim is approved or denied.

Is Chase Sapphire Reserve® travel insurance enough?

When it comes to credit card travel insurance, there's virtually no other card on the market that beats out the Chase Sapphire Reserve® travel insurance in terms of both what's covered and coverage amounts. The list of travel insurance benefits offered by this card is long and includes some forms of insurance you're unlikely to get from other cards, and coverage maximums are either in line with or above what competing cards cover.

How does the card's travel insurance fall short?

That being said, even the best credit card travel insurance isn't enough for all trips. Some travelers may want to secure a full-blown travel insurance policy, as these tend to offer more extensive coverage than any credit card. This is particularly true when it comes to medical coverage — while the Chase Sapphire Reserve® travel insurance is often enough to cover travel interruptions such as trip cancellation or lost and delayed luggage, it is not medical insurance and won't always cover health-related incidents that can occur during your travels.

For example, while many of the Chase Sapphire Reserve® travel insurance benefits are only valid for shorter trips of up to 30 or 60 days, travel insurance policies usually cover longer trips. Coverage amounts will typically be much higher as well, with some basic policies covering up to $25,000 for medical and dental emergencies. These plans tend to cover preexisting conditions too, and often offer a variety of plan options with different premiums, coverage levels and deductibles.

Credit card travel insurance surely comes in handy when unexpected circumstances pop up during a trip, especially when it's as generous as what's offered by the Chase Sapphire Reserve® travel insurance. That being said, don't expect it to adequately cover medical or health-related costs that can occur while you're traveling.

Credit card travel insurance and COVID-19

If you cancel your trip because you're worried about COVID-19, you'll probably have a hard time qualifying for travel insurance coverage as a simple hesitation to travel isn't a covered reason. That being said, if you have to interrupt or cancel your trip because you've contracted the coronavirus or due to quarantine restrictions imposed by a governing body or physician, you'll likely be covered.

Should you buy extra travel insurance?

The decision of whether or not to buy travel insurance on top of what's offered by your credit card depends on your trip and tolerance for risk. If your trip involves big nonrefundable expenses, you might decide you want higher coverage amounts than what's offered by the Chase Sapphire Reserve® trip cancellation insurance.

If you're staying close to home, you can probably rely on the Chase Sapphire Reserve® travel insurance in conjunction with your own health insurance. However, if you're traveling abroad, the best travel insurance companies will offer more extensive medical coverage that's valid internationally. Likewise, if you're participating in high-risk activities or have preexisting conditions, getting a travel insurance policy that covers those can be wise. On the other hand, if your existing health insurance plan will cover you while abroad or visiting out-of-network physicians, you may be able to rely on that.

Some countries and travel programs require you to have travel insurance, especially in light of the COVID-19 pandemic. The coverage offered by the Chase Sapphire Reserve® might not be enough to meet these requirements. For example, Costa Rica currently requires that U.S. citizens have proof of a medical insurance policy that will cover at least $50,000 of COVID-19 related medical treatment and at least $2,000 for extended lodging. Check the medical insurance requirements of your destination to see if you need to purchase a separate policy.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).