How does Chase Sapphire Reserve trip cancellation insurance work?

Yes, the Chase Sapphire Reserve Card does have travel insurance benefits, the best of which are emergency evacuation and transportation coverage and trip cancellation/interruption insurance. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your Chase Sapphire Reserve Card.

Types of Chase Sapphire Reserve Card Travel Insurance

• ... read full answerTrip delay insurance: This benefit reimburses you for necessary expenses – such as a hotel room, for example – if your trip is delayed for 6 hours or more.
• Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
• Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $3,000.
• Emergency evacuation and transportation insurance: If you become sick or injured during a trip and need to be evacuated, you can get reimbursed for the medical services and transportation costs up to $100,000.
• Travel accident insurance: This insurance covers cardholders in the event of death or dismemberment during the trip or during transit.
• Rental car insurance: This benefit covers the cardholder for damage to the rental vehicle that results from collision or theft.

Exclusions and coverage limits apply to many of these benefits, so make sure to check your Chase Sapphire Reserve Card’s guide to benefits for more details on each type of insurance.

Yes, Chase does offer travel insurance. The most common Chase travel insurance benefits are trip cancellation/interruption insurance and travel accident insurance. Some Chase credit cards also offer baggage delay insurance and emergency medical and dental insurance coverage. To be eligible for travel insurance coverage, you’ll need to pay for your travel using your ... read full answerChase credit card.

Chase Credit Cards with Travel Insurance

Check the guide to benefits that came with your Chase card to see which types of travel insurance are included with your card. The guide will also show coverage amounts and other details on each of your travel insurance benefits.

Chase trip cancellation insurance covers travel cancellations and interruptions due to covered reasons, such as illness or severe weather. The maximum reimbursement for cancelled or interrupted travel will depend on which Chase credit card you have, and it can range from $6,000 to $20,000 per trip.

To qualify for Chase trip cancellation insurance coverage, your trip must be paid for with an eligible ... read full answerChase credit card or with rewards earned on that card. The trip must also be cancelled or interrupted for a covered reason to qualify for coverage.

Here's what you need to know about Chase trip cancellation/interruption insurance:

• Overview: Chase trip cancellation/interruption insurance covers qualifying unforeseen circumstances that lead to interrupted travel arrangements or their cancellation. Travel arrangements must be paid for with an eligible Chase credit card.
• Who is covered: Cardholder and immediate family members.
• How much is covered: Up to $10,000 per person and a maximum of $20,000 per trip, depending on the credit card.
• What is covered: Unforeseeable circumstances that lead to the cancellation or interruption of travel arrangements paid for with an eligible Chase credit card. Examples include accidental bodily injury, sickness or death, severe weather, acts of terrorism, jury duty or subpoenas that cannot be waived or postponed.
• What is not covered: Examples include pre-existing conditions, traveling against doctor's orders, changes in plans or financial circumstances or trips exceeding 60 days.
• How to claim: You can call your Benefit Administrator at the number mentioned on your guide to benefits or submit your claim online within 20 days of your trip cancellation or interruption incident. Based on the information given to your benefit administrator, you'll be sent the relevant claim forms that must be completed and returned within 90 days (or as soon as reasonably possible).

Here are some of the best Chase cards that offer trip cancellation insurance:

Credit card companies frequently change cardholder benefits (like trip cancellation insurance) and many issuers have dropped this benefit recently. Before relying on this benefit, call the number on the back of your Chase card to make sure your card is covered.