Chase Sapphire Preferred travel insurance covers lost or delayed luggage; accidents resulting in injury or death; and trip delay, cancellation, or interruption. These policies cover you and your immediate family, even if you don’t travel with them (as long as you pay for the trip). Chase Sapphire Preferred also has rental car insurance, which covers damage to rented vehicles for you and any other authorized drivers. It covers theft of rental vehicles, too.
To get Chase Sapphire Preferred travel insurance, you need to be a cardholder. All cardholders are automatically eligible for coverage, and it doesn’t cost you any extra money. You just need to pay for your travel expenses with your Sapphire Preferred Card and then submit a claim when the occasion warrants it. You‘ll have to provide proof that a covered event has occurred in order to be reimbursed. But the process is fairly painless.
Though rental car insurance requires you to pay for the entire rental with your card, the other Sapphire Preferred travel insurance benefits only require you to pay for part of the expense with your card to be eligible. You can, for example, split the cost of a flight or hotel reservation between your card and points, points and cash, or card and cash, and still be eligible for travel insurance (but not rental car insurance). And that’s one of the many reasons why WalletHub’s editors say Sapphire Preferred is the best credit card for travel insurance on the market.
How to submit a Chase Sapphire Preferred travel insurance claim:
Notify the Common Carrier 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 20 Days. Call 888-320-9961 within 20 days of a covered event, or mail written notice to: Plan Administrator / Card Benefit Services / P.O. Box 72034 / Richmond, VA 23255. If you mail your notice, include enough information to identify both you and the account in question. You should also describe the incident so that Chase knows what type of paperwork to send you.
Fill Out Your Claim Form. Chase is required to send you paperwork to file a claim within 15 days of notification, if you mail your notice. Alternately, you can fill out your claim online at eclaimsline.com.
Submit Your Completed Form Within 90 Days. You must include proof of the incident, which could include your travel itinerary, police reports, death certificates or your credit card statement. Note that 90 days is from when the covered incident occured, not from when you receive the claim form. Be sure to review the Benefits Guide for any other requirements specific to your incident.
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 compensated within 60 days of Chase receiving your claim and supporting documentation.
As a whole, community members seem to be satisfied with the Chase Sapphire Preferred travel insurance claims process. For the most part, people report prompt responses (within a few weeks) for cases ranging from sickness to blizzards.
Finally, it’s worth noting that Chase Sapphire Preferred’s benefits extend well beyond travel insurance. Sapphire Preferred also has among the best return extension and purchase protection programs on the market. And all Chase credit cards rank very highly in terms of price protection and rental car insurance. Plus, you can’t forget that Chase Sapphire Preferred is one of WalletHub’s picks for the best rewards credit cards.