Maria Adams, Credit Cards Moderator
@m_adams
Chase Sapphire Reserve travel insurance includes $1 million in travel accident insurance and up to $20,000 in coverage for cancelled or interrupted trips. There’s also up to $3,000 per passenger for lost luggage, plus coverage for 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.
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 Chase Sapphire Reserve card or Chase rewards points to be eligible.
Types of Chase Sapphire Reserve Travel Insurance:
- Travel accident insurance: This benefit 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.
- Trip cancellation/interruption insurance: You can get up to $10,000 per person and $20,000 per trip for unforeseen cancellations. This benefit only refunds prepaid, non-refundable travel expenses.
- Trip delay reimbursement: This covers you for up to $500 per ticket. You’re reimbursed for necessary expenses if travel is delayed for more than six hours.
- Lost luggage reimbursement: If your luggage is lost or stolen, you can get up to $3,000 per person per trip.
- Baggage delay insurance: If your bags arrive more than 6 hours late, you’re covered up to $100 per day for up to 5 days. The reimbursement is for any essentials you’re forced to purchase, such as toiletries and clothing.
- Emergency medical and dental benefit: Chase Sapphire Reserve will also pay up to $2,500 in emergency medical or dental work per trip. A $50 deductible applies. You must be at least 100 miles away from your home.
- Emergency evacuation and transportation: If you or a family member become sick or injured during a trip and need to be evacuated, you can receive up to $100,000 in reimbursement for medical services and transportation costs.
If a covered event occurs, you’ll need to submit a claim. The first step is calling the Benefit Administrator at (888) 675-1461 to ask for a claim form. You’ll need to do this anywhere from immediately after the covered incident occurs to within 90 days. The timeframe depends on the benefit.

Chase Sapphire Reserve®
Dodger Bernard, Member
@dodger_bernard
It covers a lot of things. Some of them are trip cancellation and trip interruption, trip delay reimbursement, travel and emergency assistance, and travel accident insurance.
Rob Hennesey, Member
@rob_hennesey
Reserve covers pretty much anything you'd want from a travel card, really. The annual fee isn't exactly cheap, but it's totally worth it.
People also ask
Did we answer your question?