Chase Sapphire Preferred trip cancellation insurance pays up to $100,000 if a trip is cut short because of unforeseen circumstances. These could be sickness, severe weather, or other factors. Insurance covers expenses such as passenger transportation and hotel reservations. The maximum benefit amount is $40,000 per 12-month period.
Coverage applies to you and any immediate family members traveling on your reservation. You must pay for the trip with a Sapphire Preferred card (or rewards points) to be eligible. Insurance does not cover certain situations, however. Those include pre-existing conditions, changes in financial circumstances, traveling against a doctor’s advice, and others.
To submit a claim, call 1 (888) 320-9961. You must file a report within 20 days after the incident. You’ll then receive a claim form. Send back the claim form with any supporting documents within 90 days of the incident.
Chase Sapphire Reserve travel insurance includes $1 million in travel accident insurance, $10,000 in coverage for cancelled trips, and up to $3,000 for lost luggage. Sapphire Reserve travel insurance also covers trip delays, emergency medical and dental expenses, and delayed luggage. The Sapphire Reserve card has the most travel insurance of any credit card on the market as a result.… read full answer
Chase Sapphire Reserve travel insurance is free. It covers you and immediate family members on the same reservation from the time you leave on a trip until you return. You must pay for at least part of your travel with the Sapphire Reserve card or Chase rewards points. Then, you’ll need to file a claim within 20-60 days of the incident.
Travel accident insurance pays up to $1 million for death or serious injuries during transit. There’s also up to $100,000 in coverage for the duration of your trip, not just during transit. Insurance does not cover some situations such as death due to pregnancy or bacterial/viral infection.
Trip cancellation/interruption insurance pays up to $10,000 per trip for unforeseen cancellations. Trip delay reimbursement covers you up to $500 per ticket. You’re reimbursed for necessary expenses if travel is delayed for more than six hours. If your luggage is lost or stolen, you can get up to $3,000 per person per trip. Bags that arrive more than 6 hours late are covered up to $100 back per day for up to 5 days. Sapphire Reserve will also pay up to $2,500 in emergency medical or dental work per trip. A $50 deductible applies.
If a covered event occurs, you’ll need to submit a claim. Send a letter to Plan Administrator, Card Benefit Services, P.O. Box 72034, Richmond, VA 23255. Ask for a claim form. Then return that form within 90 days of the incident. Include any relevant info like medical documents or a police report. Chase will send payment within 15 days of receiving all your information, assuming your claim checks out.
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