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Chase Sapphire Preferred travel insurance covers lost or delayed luggage, accidents resulting in injury or death, and canceled trips, among other things. These policies cover you and your immediate family, as long as you pay for the trip. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your Chase Sapphire Preferred card.
Types of Chase Sapphire Preferred Travel Insurance
| Type of Benefit | Max Coverage Amount | Covered Individuals |
| Rental car insurance | Actual cash value of the rented vehicle for damage or theft | Cardholders and any additional drivers permitted by the rental car agreement |
| Trip cancellation/interruption insurance | $10,000 per trip or $20,000 per 12-month period for unforeseen cancellations or interruptions that cut your trip short | Cardholder and immediate family members (not required to travel with the cardholder) |
| Trip delay insurance | $500 per ticket for delays of at least 12 hours or delays that require an overnight stay | Cardholder and their spouse, as well as any dependent children under 26 |
| Baggage delay insurance | $100 per day, for up to 5 days, if your baggage arrives over 6 hours late to the destination | Cardholder and immediate family members (not required to travel with the cardholder) |
| Lost/damaged luggage insurance | $3,000 for lost, damaged or destroyed items $500 for jewelry, watches, and electronics | Cardholder and immediate family members (not required to travel with the cardholder) |
| Travel accident insurance | $500,000 in the event of death or dismemberment during the trip or during transit $100,000 for 24-hour travel accident coverage | Cardholder and immediate family members traveling with the cardholder |
Chase Sapphire Preferred is one of the best credit cards with travel insurance on the market right now. Exclusions apply to these benefits, however, so it’s worth taking a closer look at how each type of Chase Sapphire Preferred travel insurance works.
Chase Sapphire Preferred Travel Insurance Exclusions
- Rental Car Insurance: Not all vehicles are covered, like high-value motor vehicles, trucks, or motorcycles. Certain incidents aren’t covered either, like personal injury, and situations like driving while intoxicated or driving off-road.
- Travel Accident Insurance: Examples include any losses sustained while committing an illegal act, parachute jumping, self-inflicted injuries, or participating in motorized speed contests.
For more details on each type of travel insurance offered by the Chase Sapphire Preferred, make sure to also check your Chase Sapphire Preferred’s guide to benefits. You can also contact the Benefits Administrator by calling (888) 320-9961, should you have any further inquiries.
How to Submit a Chase Sapphire Preferred Travel Insurance Claim
- Notify the Transportation Provider or Rental Agency.Get in touch with the airline, passenger train company, rental car agency, etc., and tell them about the incident. This will begin the company’s claims process. Chase will ask for proof that you notified the transportation company of the incident, so make sure you get copies of all paperwork.
- Notify Chase of Your Claim Within the Deadline.Call (888) 320-9961 within 20-100 days of a covered event, depending on the type of travel insurance.
- Fill Out Your Claim Form.Chase is required to send you paperwork to file a claim within 15-100 days of notification, depending on the type of insurance. Alternately, you can fill out your claim online at eclaimsline.com.
- Submit Your Completed Form on Time.You must include proof of the incident, which may consist of your travel itinerary, police reports, credit card statements reflecting ticket charges, copies of receipts, and any other requested documents. You have to submit the completed form within 90-365 days of the incident, depending on the type of insurance.
- Wait up to 60 Days for a Decision.Chase will need to evaluate the validity of your claim. If everything checks out, you’ll be typically compensated within 60 days of Chase receiving your claim and supporting documentation.
It’s also worth noting that Chase Sapphire Preferred’s benefits extend well beyond travel insurance. Chase Sapphire Preferred also has among the best extended warranty and purchase protection programs on the market. In addition, the Chase Sapphire Preferred card has a $0 foreign transaction fee. This means that you won’t have to pay extra when you use your card abroad or online with international merchants. Plus, you can’t forget that Chase Sapphire Preferred is one of WalletHub’s picks for the best rewards credit cards.
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