Chase Sapphire travel insurance offers a valuable layer of protection for travelers who pay for trips with their Chase Sapphire Preferred® or Chase Sapphire Reserve® card.
While the coverage includes benefits like trip cancellation, trip delay reimbursement, baggage delay insurance, and travel accident insurance, it is not a replacement for full travel insurance, especially when it comes to major medical events or comprehensive trip protection.
In this guide, you will learn what Chase Sapphire travel insurance coverage offers, its limits, and whether purchasing a separate travel insurance plan makes sense for your next trip.
What is Trip Insurance With a Credit Card?
Trip insurance with a credit card is a set of complimentary protections automatically provided when you use your eligible credit card to pay for eligible travel expenses such as flights, hotels, cruises, or car rentals.
It is designed primarily to offer emergency protections like reimbursement for trip cancellations, lost baggage, flight delays, travel and emergency assistance.
These credit card derived coverage benefits do not to replace full travel insurance, especially not for medical coverage.
Chase Sapphire Travel Insurance Coverage Comparison
| Benefit | Chase Sapphire Preferred® | Chase Sapphire Reserve® |
| Trip Cancellation & Interruption | Up to $10,000 per trip | Up to $20,000 per trip |
| Trip Delay Reimbursement | $500 after 12+ hour delay | $500 after 6+ hour delay |
| Baggage Delay Insurance | $100/day (up to 5 days) | $100/day (up to 5 days) |
| Lost Luggage Reimbursement | Up to $3,000 per passenger | Up to $3,000 per passenger |
| Emergency Medical & Dental | Not available | Up to $2,500 (with $50 deductible) |
| Emergency Evacuation & Transportation | Not available | Up to $100,000 |
| Travel Accident Insurance | Up to $500,000 | Up to $1 million |
| Auto Rental Collision Damage Waiver | Secondary coverage | Primary coverage (up to $75,000) |
| Roadside Assistance | Available | Available |
| Travel and Emergency Assistance Services | Available | Available |
For a deeper overview of these benefits, read: Does Chase Sapphire Preferred Offer Trip Insurance?
What Does Chase Sapphire Travel Insurance Not Cover
Despite strong benefits, Chase Sapphire’s travel protections have major limitations:
| Not Covered | Details |
| Pre-existing Medical Conditions | No coverage for known health issues |
| Cancel for Any Reason (CFAR) | Not offered |
| Medical Expenses Over $2,500 | Limit applies even for serious incidents |
| Adventure Sports Injuries | Many high-risk activities excluded |
| Pandemics and Epidemics | Limited or no trip cancellation reimbursement |
| Missed Connections | No coverage for missed cruises or flights |
| Roadside Assistance | Minimal car rentals support beyond collision |
| Extended Travel Interruptions | Coverage caps may not match real costs |
| Dental Benefit | Only small emergency treatments covered |
Common Misconceptions About Chase Sapphire Travel Insurance
| Misconception | Reality |
| Chase covers every trip cancellation | Only specific, covered reasons qualify |
| Medical expenses are fully paid abroad | Limited to $2,500 with the Reserve card only |
| All family members are automatically covered | Only immediate family members/dependents under strict conditions |
| Lost baggage always fully reimbursed | There is a strict coverage limit. Documentation required to reimburse |
| Trip delays of any duration are covered | Delay has to reach a certain time before it is covered (6–12 hours) |
Is Credit Card Trip Insurance Enough?
Unfortunately, probably not. The default travel insurance that comes with certain credit cards tends to fall short. They are only designed to cover basics during emergencies.
Many travelers mistakenly believe that credit card trip insurance, like the Chase Sapphire travel insurance, offers comprehensive coverage similar to a standalone travel insurance policy. While credit cards like the Chase Sapphire Reserve and Chase Sapphire Preferred provide valuable benefits such as trip delay reimbursement, baggage delay insurance, and lost luggage reimbursement, the coverage is often limited.
These cards typically offer basic protections such as emergency medical benefits, trip cancellation and interruption insurance, and travel accident insurance, but they may not cover important situations like pre-existing medical conditions or more extensive medical expenses. Furthermore, the limits on these coverages are often lower, which can leave travelers with unreimbursed expenses in the event of a major emergency.
Unlike dedicated travel insurance plans, credit card insurance may not include emergency evacuation, medical referrals, or comprehensive travel and emergency assistance services for complex situations, especially those involving an immediate family member.
To ensure full protection, travelers should consider supplementing credit card coverage with a standalone travel insurance plan that provides more extensive medical coverage and other crucial benefits, such as coverage for car rentals, auto rental collision damage, and trip interruption for a broader range of covered reasons.
Credit card trip insurance, including Chase Sapphire’s, is meant only for emergencies and covers the bare minimum.
| Aspect | Chase Sapphire Insurance | Dedicated Travel Insurance |
| Medical Expense Coverage | $2,500 cap (Reserve only) | $50,000 to $1,000,000 or more |
| Pre-existing Condition Coverage | Not covered | Available with some policies |
| Cancel for Any Reason (CFAR) | Not available | Available for an upgrade fee |
| Adventure or High-Risk Activities | Often excluded | Available with specific policies or as an add-on |
| Trip Interruption/Cancellation Limits | $10,000–$20,000 | $50,000+ depending on plan |
| 24/7 Emergency Medical Evacuation | $100,000 (Reserve only) | Up to $1 million in some plans |
| Comprehensive Coverage Scope | Minimal | Broad (trip, medical, evacuation, baggage etc.) |
If you’re worried about the additional cost that travel insurance can be for you, we completely understand. Luckily, dedicated travel insurance plans can cost as little as $1 a day (depending on traveler details and trip cost) and offer much higher limits, broader protections, and medical emergency coverage built specifically for travelers.
What Travel Insurance Should I Get?
In general, travelers have two types of travel insurance to pick from: trip insurance and travel medical insurance. Trip insurance provides protection for unexpected emergencies and delays that can affect your trip. Travel medical insurance provides medical coverage for travelers on their trip.
Credit cards offer basic trip insurance. But there are some travelers that should strongly consider travel medical insurance.
Travel Medical Insurance vs Trip Insurance: How to Decide
When choosing between travel medical insurance and trip insurance, start by identifying your primary concern.
If you’re worried about non-refundable bookings or unexpected cancellations due to illness or weather, trip insurance offers financial protection for your prepaid expenses.
On the other hand, if you’re traveling abroad and concerned about potential medical emergencies, travel medical insurance is essential, as it covers hospitalization, doctor visits, and emergency evacuation, areas where credit card insurance offers only minimal support
When to Buy Trip Insurance
If you:
- Have expensive, non-refundable bookings and activities plans
- Worry about trip cancellation and interruption for covered reasons
- Fear severe weather causing delays or cancelations, jury duty causing you to miss your trip, or an emergency involving an immediate family member causing a cancellation
Before you make your decision, VisitorsCoverage allows you to compare and contrast top trip insurance policies so you can find the best one for your trip needs.
When to Buy Travel Medical Insurance
If you:
- Are traveling abroad where U.S. health insurance does not apply
- Are or have elderly and are worried about needing a medical safety net while you are traveling
- Are worried about high-cost hospitalizations abroad
- Have pre-existing medical conditions that you would like to get coverage for
- Prefer having a comprehensive medical coverage safety net during your travels
If travel medical is what you have decided to go with, you can quickly compare and contrast top travel medical insurance policies to find the best one for you.
How to Use Your Chase Sapphire Travel Insurance Benefits
To access the travel insurance benefits on your Chase Sapphire Preferred® or Reserve® card, you need to:
- Pay for your trip with your card – Use your Chase Sapphire card (or points through Chase Travel) to book flights, hotels, or other eligible travel expenses. This automatically activates the coverage.
- Know what’s covered – Benefits vary by card. The Preferred® includes protections like trip cancellation and baggage delay. The Reserve® adds emergency medical coverage and evacuation.
- Report issues promptly – If something goes wrong (like a trip delay or lost luggage), call the benefit administrator right away. Don’t wait — many benefits require you to report within days of the incident.
- Gather your paperwork – Keep receipts, travel confirmations, delay notices, or medical records depending on the type of claim.
- Submit your claim online – Head to Chase to file your claim. Be sure everything is filled out correctly and completely.
- Follow up if needed – Check your claim status and respond quickly to any additional document requests.
How to File a Chase Sapphire Travel Insurance Claim
If you need to use Chase travel protections:
- Contact the Benefit Administrator immediately after the event.
- Collect documentation: receipts, police reports, medical bills, and airline delay reports.
- Submit claim forms promptly within the timeframe listed in the Guide to Benefits.
Important Chase Travel Benefits You Should Know
- Travel and Emergency Assistance Services: Get help locating hospitals or attorneys while abroad.
- Emergency Assistance Services: Available 24/7 for referrals or legal help during emergencies.
- Roadside Assistance Services: Limited roadside support is available under some rental agreements.
- Reward Points Advantage: Earn points on travel purchases while enjoying travel protections.
- Annual Fee Justification: The extensive travel benefits help justify the annual fee for the Sapphire Reserve card.
Should You Rely Solely on Chase Sapphire Travel Insurance?
Chase Sapphire travel insurance offers excellent baseline coverage for trip cancellation, trip delay reimbursement, baggage delay insurance, and travel accident insurance.
However, it leaves major gaps for emergency medical, high-cost trip protection, and cancel for any reason coverage.
This would be the recommended plan of action: Pay for your travel with your Chase Sapphire card to activate all benefits. Then, pair it with separate travel insurance if you want full protection for your health, trip investment, and peace of mind.
VisitorsCoverage is Here to Help You Get the Best
Travel insurance can be tricky, and when you are getting excited for your travels the last thing you want to do is get into insurance nitty gritties. Don’t worry, VisitorsCoverage is designed to let you compare and contrast plans, find the best plan for you, and secure your policy in as little as 5 minutes, so this doesn’t become one more hassle for you to take on. If you would prefer an expert to guide you through the process or just need help shortlisting a plan, our dedicated Customer Success team is here to help whenever you need it.
Frequently Asked Questions (FAQs) About Chase Sapphire Travel Insurance
Does my Chase Sapphire card include travel insurance?
Yes, both the Chase Sapphire Preferred® and Chase Sapphire Reserve® cards offer built-in travel insurance protections when you use the card for eligible travel purchases. However, coverage is limited in comparison to dedicated travel insurance plans.
What are the travel benefits with Chase Sapphire?
The travel benefits include limited trip cancellation insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, emergency medical benefits (Reserve only), emergency evacuation (Reserve only), and auto rental collision damage coverage.
What reasons are covered by Chase trip cancellation insurance?
Covered reasons typically include serious illness, severe weather, jury duty, immediate family member emergencies, and other covered situations outlined in the Guide to Benefits.
What is the protection on Chase Sapphire Preferred?
The Chase Sapphire Preferred® offers protections like trip cancellation and interruption insurance, trip delay reimbursement (after 12 hours), baggage delay insurance, lost luggage reimbursement, travel accident insurance, and secondary rental car collision coverage.
Does Chase provide free travel insurance?
Yes, travel insurance is provided at no extra cost when you use your Chase Sapphire card to pay for eligible travel expenses. However, coverage is limited and subject to specific terms and conditions.
Q: Do I need to tell Chase Sapphire I am traveling?
You do not have to inform Chase before traveling internationally. However, for security purposes, setting a travel notification through the Chase app can prevent card declines.
Which credit cards offer travel insurance?
Several premium cards offer travel insurance, including the Chase Sapphire Preferred®, Chase Sapphire Reserve®, American Express Platinum, and Capital One Venture X. Coverage details vary by card.
Is Chase Sapphire a good card for international travel?
Yes, the Chase Sapphire Reserve® and Preferred® are considered excellent for international travel, offering no foreign transaction fees, complimentary travel protections, and enhanced rewards points for travel purchases.
Is travel insurance worth it?
Yes, travel insurance can protect you from medical expenses, trip cancellations, emergency evacuations, and lost luggage, offering financial peace of mind during domestic and international trips.
Is Chase Sapphire travel insurance enough?
It depends on your needs. For short, low-risk trips, it might be sufficient. However, if you need comprehensive medical coverage, trip cancellation for any reason, or higher limits, you should buy separate travel insurance.
What is not covered by trip cancellation insurance?
Trip cancellation insurance does not cover cancellations for personal choice, pandemics in some cases, undocumented medical conditions, or reasons not listed as covered.
What is the best travel insurance?
The best travel insurance depends on your trip type and needs. Providers like VisitorsCoverage offer customizable options for travel medical insurance, trip cancellation insurance, and comprehensive plans.
What credit card is best for travel?
The Chase Sapphire Reserve® is highly rated for travel because of its travel benefits, rewards points, travel protections, and lounge access. The Chase Sapphire Preferred® is a strong mid-tier option.
Do I need to buy travel insurance if I have Chase Sapphire Reserve?
Overall, yes. If you are traveling internationally, have expensive non-refundable trips, or want higher medical limits, it is still wise to buy separate travel insurance even if you hold the Chase Sapphire Reserve®.
Which Chase card has the best travel insurance?
The Chase Sapphire Reserve® offers the most comprehensive travel insurance among Chase cards, including emergency medical benefits, emergency evacuation coverage, and primary auto rental coverage.
Do I need travel insurance?
Tavel insurance is strongly recommended for international trips, costly vacations, cruises, or when you want to protect against unexpected cancellations, medical emergencies, and travel disruptions.
What is the best card to use abroad?
The Chase Sapphire Reserve® is widely regarded as one of the best cards for international travel due to no foreign transaction fees, travel benefits, and superior rewards points value for travel expenses.
