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 don’t even need to charge your whole trip to your Sapphire Preferred Card to be eligible for reimbursement. A particular travel expense should be covered if you pay for at least part of it with either your card or Chase Ultimate Rewards points. So you can, for example, split the cost of a flight or hotel reservation between your card and points, card and cash, or points and cash. 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.
Chase Sapphire Preferred’s travel insurance policy includes coverage for lost or delayed luggage, accidents resulting in injury or death, and trip cancellation or interruption. The policy also extends to your immediate family, even if you don’t travel with them (as long as you pay for the trip). Naturally, you‘ll have to provide proof that a covered event has occurred in order to be reimbursed. But the process is fairly painless.
How to submit a Chase Sapphire Preferred travel insurance claim:
1. Send Written Notice Within 20 Days. To start, you merely inform Chase that you intend to file a claim. You should send this notice to the Chase Plan Administrator and 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. Here’s the mailing address:
Card Benefit Services
P.O. Box 72034
Richmond, VA 23255
If you’re incapable of sending notice within 20 days of a covered incident, you must notify Chase as soon as is reasonably possible.
2. Wait for Your Claim Form. Chase is required to send this within 15 days of receiving a request.
3. 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 form.Depending on the type of claim, you may also have additional requirements; for example, if your item is lost or stolen, you will need to have reported it to the travel provider right when it happened. It’s important to read Chase’s benefits guide to know exactly what steps to take.
4. 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. Of course, you should not base too much of your evaluation on comments like these. They only represent the people who chose to share their experiences and haven’t been verified. But these reports fall in line with Chase’s reputation for great customer service. Chase has the 6th highest WalletHub Credit Card Customer Satisfaction Score (90.17%) out of the 17 largest issuers.
Finally, it’s worth noting that Chase Sapphire Preferred’s benefits extend well beyond travel insurance. Sapphire Preferred also has among the best extended warranty and purchase protection programs on the market. And all Chase credit cards rank very highly in terms of rental car insurance.
Plus, you can’t forget that Chase Sapphire Preferred is one of WalletHub’s picks for 2019’s best rewards credit cards.