Chase Sapphire Reserve Card Travel Insurance Review 

Today, we’ll explore the travel insurance benefits of the Chase Sapphire Reserve card. We’ll explain how these coverages work, discuss how to file a claim if needed, and share why we recommend this card for frequent travelers.

What is Chase Sapphire Reserve Card Travel Insurance?

Chase Sapphire Reserve Card Travel Insurance is a set of protections and benefits that come with the Chase Sapphire Reserve credit card. It can help cover unexpected expenses and provide peace of mind when you travel, including coverage for trip cancellations, delays, lost luggage, medical emergencies, and more.

What is Chase Sapphire Reserve Card Travel Insurance?

How does Chase Sapphire Reserve Card Travel Insurance work?

Chase Sapphire travel insurance is a free benefit for certain Chase credit cardholders. 

However, the extent of coverage can vary between different Chase cards, and there are specific rules to qualify for these travel protections. To be eligible, you need to pay for at least part of your trip using your Chase credit card or with Chase Ultimate Rewards® points earned from that card.

Chase Sapphire Reserve Card: Travel Insurance Benefits & Protections

We have plenty of good reasons to like the Chase Sapphire Reserve card, and we’ll discuss those in more detail later. But for now, let’s focus on the main topic of our review: the travel insurance benefits and protections you get with this card. These benefits can help you save money, offer support during your trips, and provide peace of mind. 

We’ll break down the various travel insurance coverages that come with your Chase Sapphire Reserve card.

Chase Sapphire Reserve Card: Travel Insurance Benefits & Protections

Auto Rental Collision Damage Waiver

With your Chase Sapphire Reserve card, the auto rental insurance coverage can be a money-saver. When you book and pay for your rental car using the card, and you decline the rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW), you’ll get primary car rental coverage. This means you don’t need to file a claim with another insurance company first. 

The coverage also includes things like loss of use charges and standard towing costs, and it applies to both you and any authorized drivers listed on the rental agreement.

There are some rules and restrictions to this coverage, such as:

  • Coverage is limited to $75,000.
  • Your rental period can’t be longer than 31 days.
  • It doesn’t cover liability or the loss of personal items.
  • If another insurance already pays for something, this won’t cover it.
  • Certain types of vehicles like antique cars, large vans, motorcycles, limousines, and recreational vehicles are not covered.

Trip Cancellation and Trip Interruption

If you use your Chase Sapphire Reserve card or Ultimate Rewards points to pay for your trip and it gets canceled or interrupted for certain reasons, you may get reimbursed. Some covered reasons include severe weather, family emergencies, and legal obligations. This coverage can pay for things like prepaid expenses from airlines, rental cars, and tours, as well as emergency ground transport, up to specific limits.

Trip Delay Reimbursement

If your trip is delayed for over 6 hours and you have to stay overnight, your Chase Sapphire Reserve card can help. You and your eligible family members may get up to $500 per ticket, per trip, to cover expenses like food and lodging that weren’t reimbursed.

Lost Luggage Reimbursement

If your checked or carry-on bags go missing, get stolen, or are damaged, you might be eligible for up to $3,000 per person per trip. However, keep in mind that valuable items like jewelry, watches, and certain electronics have a sub-limit of $500 within that $3,000 maximum coverage.

Baggage Delay

Baggage delay reimbursement can assist with covering costs like:

  • Clothing you need to purchase.
  • Electronics chargers you have to buy.
  • Essential hygiene items.
  • Toiletries.

Both Chase Sapphire cards provide up to $100 per day for baggage delay reimbursement, for a maximum of five days. However, the delay must be at least six hours on a covered trip for this coverage to apply.

Roadside Assistance

If you face a roadside emergency, simply call for help. You can get assistance for things like changing a flat tire, getting emergency fuel, jump-starting your vehicle, towing, and help with lock-outs, among others.

You have a limit of 4 covered service calls every 12 months, and each call can get up to $50 in coverage. If the charges exceed that amount, you’ll need to pay the extra cost with your Chase Sapphire Reserve card.

Emergency Evacuation and Transportation

If you use your Chase Sapphire Reserve card to pay for part of your trip on a common carrier, and you or a family member get sick or injured during your trip and need emergency evacuation, the card can give you up to $100,000 in coverage.

To be eligible, your trips should be at least 5 days long but not more than 60 days, and you must be more than 100 miles away from home. It’s essential to note that this isn’t a reimbursement; you need to contact the benefits administrator when the emergency happens to arrange for emergency transport.

Emergency Medical and Dental Benefit

It’s not common to get medical or dental coverage with a credit card, but the Chase Sapphire Reserve card offers this benefit to its cardholders and qualifying family members.

Here’s how it works:

  • You can get up to $2,500 for emergency medical or dental services during a covered trip, with a $50 deductible.
  • If your attending physician orders it, you can also receive up to $75 per day for a hotel stay for a maximum of 5 days.
  • Covered items include things like emergency medical or dental services, hospital room charges, ambulance fees, and the cost of medicines and supplies.
  • To be eligible, your trip should be more than 100 miles away from your home.

Travel Accident Insurance

Travel Accident Insurance is a benefit that people rarely use, but it can offer peace of mind. It means that if you or a family member were to have a covered accident resulting in death or dismemberment during a trip on a common carrier, you could receive a benefit.

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

Travel and Emergency Assistance

You can call a dedicated phone line 24/7 for help with various travel-related issues, like emergency transportation, translation, medical and legal referrals, lost passports, or replacing emergency tickets. However, you are responsible for paying for the actual services you receive.

How To File a Claim

Here are the basic steps to file a Chase travel insurance claim:

  • Start a new claim with Chase’s claims center at
  • Select the type of claim you want to file (e.g., trip cancellation, baggage delay).
  • Enter your personal details and claim information.
  • Upload the required documentation to support your claim, such as medical bills or car rental information.
  • Wait for a response. You should hear back within five business days, and you may need to provide additional information.

Everything Else You Need To Know Chase Sapphire Reserve Card 

Our summary of Chase Sapphire Reserve card travel insurance is a brief overview. To get detailed terms, conditions, current coverage limits, and claim procedures, refer to the official Guide to Benefits for the card. Keep in mind that credit card travel insurance is usually secondary to other insurance you may have. 

If you receive compensation from an airline for lost luggage, for instance, your credit card coverage would apply only to any additional loss beyond what the airline reimbursed, up to the coverage limits.

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.

Top 2 Chase Sapphire Reserve Cards Travel Insurance 

Chase Sapphire travel cards

Why We Like It

When you get the Chase Sapphire Reserve® card, you can earn top-notch Chase Ultimate Rewards points. These points can be used for various things like gift cards, cash back, travel bookings through Chase’s portal, or transferred to airline and hotel partners at a 1:1 rate. This flexibility means you have many ways to use your rewards for travel, whether you want to book through the Chase portal or transfer points to loyalty programs like Southwest Rapid Rewards, United MileagePlus, Marriott Bonvoy, and more.

Chase Sapphire travel cards

While the card has a high annual fee of $550, it offers great value with benefits like a $300 annual travel credit, airport lounge access, Global Entry or TSA Precheck fee credit, and other perks.

Travel insurance perks

The Chase Sapphire Reserve® offers great travel insurance benefits, including:

  • Up to $20,000 for trip cancellation and interruption coverage
  • Up to $500 for trip delay reimbursement after 6 hours
  • Up to $100 per day for baggage delay reimbursement
  • Car rental collision damage waiver
  • Emergency medical and dental benefits
  • Up to $100,000 for emergency evacuation coverage
  • Up to $1 million for travel accident insurance
  • Offers balance transfer option
  • No foreign transaction fees
  • Provides a $300 annual credit
  • High annual fee of $550
  • High variable APR

Chase Sapphire Preferred® Card

Why We Like It

The Chase Sapphire Preferred® card is very popular in the United States because it has a low annual fee and offers great flexibility through the Chase Ultimate Rewards program. If you spend $4,000 in the first 90 days, you’ll get a valuable sign-up bonus of 60,000 points, which can be worth $750 when used for travel booked through Chase.

Furthermore, this card is fantastic for everyday spending, especially if you frequently spend on travel, dining, online grocery delivery, and streaming services. You can use the rewards you earn for hotel stays, flights, car rentals, and more through Chase Ultimate Rewards, where each point you redeem is worth 25% more. Additionally, you can explore Chase’s airline and hotel partners with this card.

Chase Sapphire Preferred® Card

Travel insurance perks

The Chase Sapphire Preferred card offers travel insurance benefits such as:

  • Trip cancellation and interruption coverage of up to $20,000
  • Trip delay reimbursement of up to $500 for delays of at least 12 hours
  • Baggage delay reimbursement of up to $100 per day
  • Auto rental collision damage waiver
  • Travel accident insurance of up to $500,000


  • Earns Chase Ultimate Rewards points: This card helps you accumulate valuable Chase Ultimate Rewards points, providing flexibility in how you use your rewards.
  • Generous bonus categories: You earn bonus points for spending in categories like travel and dining, which can accelerate your reward earnings.
  • Lucrative welcome offer: Meeting the initial spending requirement can secure a substantial welcome bonus, offering extra value when you first obtain the card.


  • $95 annual fee: This card comes with an annual fee, which may not suit those seeking to avoid such fees.
  • Fewer travel benefits compared to premium travel credit cards: While it provides valuable travel benefits, it may offer fewer perks than higher-tier travel cards.
  • Excellent credit required for approval: To qualify for this card, you typically need an excellent credit score.

Chase Sapphire Reserve Card Travel Insurance: FAQs

Does the Chase Sapphire Reserve card have travel insurance?

The Chase Sapphire Reserve card offers comprehensive travel insurance. It includes primary car rental insurance, trip cancellation/interruption coverage, protection for lost or delayed baggage, emergency evacuation and medical assistance, roadside assistance, and more.

Is the Chase Sapphire Reserve card worth the annual fee?

If you make use of the benefits provided by the Chase Sapphire Reserve card, it can be highly valuable. We’ve calculated that the card’s benefits could be worth almost $3,500.

Does the Chase Sapphire Reserve card have primary car rental insurance?

The Chase Sapphire Reserve card provides primary car rental insurance. This means you don’t need to file a claim with your own car insurance first if a covered event happens. To have coverage, you must pay for the entire rental with your Chase Sapphire Reserve card and decline the rental car agency’s collision damage waiver coverage.

Can I have more than 1 Chase Sapphire credit card?

You can have more than one Chase credit card, but you can only be the primary cardholder on one Chase Sapphire credit card, either the Chase Sapphire Reserve card or the Chase Sapphire Preferred card. However, you can 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 provide benefits for frequent travelers. The best card for you depends on factors like your spending habits, how you like to use your rewards, your willingness to pay an annual fee, and how much you’ll use the card’s travel benefits.

Final Thoughts

Chase Sapphire Reserve Card travel insurance provides valuable coverage for cardholders, offering protection for various aspects of their travels, including trip cancellations, car rentals, baggage, and more. While the specific benefits and coverage limits may vary between the Sapphire Preferred and Sapphire Reserve cards, both cards can be a valuable addition to a traveler’s toolkit.

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