How does the Chase Sapphire Reserve trip delay insurance work?

The Chase Sapphire Reserve trip delay insurance offers coverage if your flight or another form of public transportation is delayed by more than six hours or it requires an overnight stay. This benefit applies to all kinds of transportation by a travel provider, such as planes, trains, buses, and cruises. You’re eligible for compensation if you pay for your travel with the Chase Sapphire Reserve.

Chase will reimburse you for unplanned expenses that you have to make because of the situation, up to $500 per trip. You should keep in mind that the process is not automatic, and you have to submit a claim within 60 days of a covered event as well as provide some documentation. Plus, neither everything nor everyone is covered.

How Chase Sapphire Reserve Flight Delay Insurance Works

• Who is covered: You, your spouse, and any dependent children.
• What is covered: Expenses eligible for reimbursement include meals, lodging, toiletries, and other necessities that you wouldn’t have had to purchase if the trip were on time.
• Coverage amount: If your travel is delayed by more than six hours or it requires an overnight stay, you may receive up to $500 for each covered person per trip, if you purchased the tickets with your Chase Sapphire Reserve or Ultimate Rewards Points.
• Exclusions: You can’t make a claim when you were informed of a delay prior to the day of the trip. You must also be traveling outside of your home city to be eligible. Also, if the airline (or other travel provider) gives you the products and services for free as compensation for the delay, you can’t make an additional claim to Chase.
• How to file a claim: To make a claim, call the Benefit Administrator at (800) 350-1697 within 60 days of the incident to ask for a claim form. Then, complete the form and send it back within 100 days of the incident. As long as everything is correct, Chase will reimburse you within 60 days of receiving your information.
• Required documents: You’ll need to include your original ticket, a statement from the travel provider saying why the trip was delayed, your account statement showing the trip charge, receipts for the incidental purchases you made, and anything else Chase asks for.

Chase Sapphire Reserve trip delay insurance isn’t the only type of travel coverage you’ll receive. The card also provides compensation for things like baggage theft or damage, rental car theft or damage, emergency evacuation, emergency medical treatment, and travel accident insurance.

All things considered, Chase Sapphire Reserve ranks first on WalletHub’s list of the best credit cards with travel insurance. So, you can rest assured that your coverage is top notch.

Yes, it does. It's actually trip delay reimbursement. If you get delayed for more than 6 hours, or you require an overnight stay, you and your family are covered for expenses such as meals or accommodation, for up to $500 per ticket.

Yup, it's part of the package.