Paul Sanchez
The Chase Sapphire Preferred and Reserve cards offer a wide range of travel protections and insurance benefits for travellers. These include trip cancellation and interruption insurance, baggage delay insurance, auto rental coverage, emergency evacuation and transportation coverage, and travel and emergency assistance. The Reserve card also offers emergency medical and dental coverage of up to $2,500, with a $50 deductible, for cardholders and their families who are more than 100 miles from home. However, some travellers have reported difficulties with claiming reimbursement for medical expenses, and recommend purchasing separate travel insurance.
| Characteristics | Values |
|---|---|
| Trip cancellation and interruption insurance | Covered up to $10,000 per person and $20,000 per trip for prepaid, non-refundable travel expenses |
| Trip delay reimbursement | Covered if the common carrier is delayed by 12 hours or more, up to $500 per person |
| Travel accident insurance | Covered up to $500,000 ($1,000,000 for Sapphire Reserve) |
| Emergency medical and dental benefit | Covered up to $2,500 for medical expenses if you're more than 100 miles from home |
| Baggage delay insurance | Covered up to $100 per day if baggage is delayed for 6 hours or more |
| Lost luggage reimbursement | Covered up to $3,000 per person if luggage is lost or damaged |
| Purchase protections | Covered for 120 days against damage or theft up to $500 per claim and $50,000 per account |
| Rental car insurance | Primary rental car insurance included |
| Airport lounge access | Access to all Chase Sapphire Lounges by The Club |
| Annual travel credit | $300 |
| Trusted traveler credit | Statement credit of up to $120 every four years as reimbursement for application fees |
| Roadside assistance | Covered up to $50 per incident, up to four times a year |
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What You'll Learn
- Chase Sapphire Reserve cardholders can receive medical and dental coverage
- Cardholders can be reimbursed for medical expenses up to $2,500
- Chase Sapphire offers trip cancellation and interruption insurance
- Cardholders can receive legal and medical referrals while travelling
- The Chase Sapphire Reserve card offers travel accident insurance
Chase Sapphire Reserve cardholders can receive medical and dental coverage
The Chase Sapphire Reserve card offers cardholders and their qualifying family members medical and dental coverage. This is a rare benefit to find on a credit card. The card provides emergency medical and dental coverage of up to $2,500, with a $50 deductible, for travel more than 100 miles from the cardholder's residence. This benefit can be claimed within 90 days of receiving medical care while on a trip.
The coverage includes emergency medical/dental services, hospital room, ambulance, medicines, and supplies. Additionally, the card also offers reimbursement of up to $75 per day for 5 days for a hotel if it is ordered by the attending physician. This coverage is applicable only if the trip was booked with the Chase Sapphire Reserve card.
Cardholders can also receive assistance in securing emergency transportation, translation services, medical and legal referrals, help with lost passports, and emergency ticket replacement. While the cost of these services is the responsibility of the cardholder, the card provides access to a dedicated phone line 24/7 for assistance.
It is important to note that the Chase Sapphire Reserve card provides secondary coverage, which means it is supplemental to any other insurance the cardholder may have that would otherwise cover the loss. Therefore, cardholders should carefully review the terms and conditions of their existing insurance policies before relying solely on the coverage provided by the Chase Sapphire Reserve card.
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Cardholders can be reimbursed for medical expenses up to $2,500
The Chase Sapphire Preferred® and Reserve® cards offer cardholders a wide range of travel protections and benefits. Notably, cardholders can be reimbursed for emergency medical and dental expenses up to $2,500 when they are more than 100 miles from home. This benefit is available to both the cardholder and their qualifying family members.
To be eligible for reimbursement, cardholders must file an Emergency Medical and Dental Benefit claim within 90 days of receiving medical care while on their trip. This claim differs from Trip Cancellation and Interruption Insurance claims, which must be made within 20 days of the trip being cancelled or interrupted.
It is important to note that the Chase Sapphire Reserve card's travel insurance is provided by a third party, and cardholders may need to pay for services upfront and request reimbursement after the fact. Additionally, cardholders should carefully review the terms and conditions of their travel insurance, as there may be exclusions or limitations to coverage.
While the Chase Sapphire cards offer some medical coverage, it is relatively limited compared to dedicated travel insurance policies. Some travellers may prefer to purchase additional travel insurance for more comprehensive coverage, especially if they have specific medical concerns or needs.
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Chase Sapphire offers trip cancellation and interruption insurance
Chase Sapphire cardmembers can benefit from a wide variety of travel protections, including Trip Cancellation and Interruption Insurance. This benefit is available to both Sapphire Preferred and Sapphire Reserve cardmembers.
Trip Cancellation and Interruption Insurance can help you in a variety of situations, such as when flights are cancelled, plans change, or emergencies occur. This insurance covers you and your immediate family members if a covered loss prevents you from travelling and causes you to cancel your plans.
There are some differences between the Chase Sapphire trip cancellation and trip interruption insurance protections. Trip cancellation insurance covers you from the time you book your trip until your departure, while trip interruption insurance covers you from your departure until you return home.
Some specific situations covered by trip interruption insurance include:
- Terrorist incidents within 25 miles of an airport, confirmed lodging, or a host at a destination in your itinerary.
- Travel warnings due to terrorism issued by a U.S. government agency within 25 miles of an airport, confirmed lodging, or a host at your destination during your trip.
To file a claim for Trip Cancellation and Interruption Insurance, you must take action within 20 days of your trip being cancelled or interrupted. You may need to provide additional documentation, such as confirmation of the reason for the cancellation or interruption and a copy of your credit card statement showing the charge for prepaid travel arrangements.
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Cardholders can receive legal and medical referrals while travelling
Chase Sapphire cardholders can benefit from a wide variety of travel protections. The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® card offer trip cancellation and interruption insurance, baggage delay insurance, and auto rental coverage. The Chase Sapphire Reserve® card also includes emergency evacuation and transportation coverage.
Cardholders can also receive legal referrals while travelling. This can include assistance with lost passports or emergency ticket replacement. The cost of the actual services received is the responsibility of the cardholder.
It is important to note that the claims process for these benefits may vary and cardholders should refer to the official Guide to Benefits for the card for terms, conditions, current coverage limits, and claim procedures. Additionally, most travel insurance benefits that come with credit cards are normally secondary to other insurance policies that the cardholder may have.
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The Chase Sapphire Reserve card offers travel accident insurance
In addition to travel accident insurance, the Chase Sapphire Reserve card provides a range of other travel benefits and protections. These include trip cancellation and interruption insurance, baggage delay insurance, and auto rental coverage. Cardholders can also take advantage of emergency evacuation and transportation coverage, as well as travel and emergency assistance services, which can provide legal and medical referrals while travelling.
The card also offers exclusive access to Chase Sapphire Lounges, special car rental privileges, and airport lounge access. Additionally, cardholders can receive a trusted traveller credit and a $300 annual travel credit. The Chase Sapphire Reserve card has a higher annual fee than the Sapphire Preferred card but offers several additional benefits and protections for travellers.
While the Chase Sapphire Reserve card does provide some medical coverage, it is limited to emergency medical and dental coverage of up to $2,500 with a $50 deductible. This coverage is only applicable if the trip is more than 100 miles from the cardholder's residence. For more comprehensive medical coverage while travelling, it is generally recommended to purchase separate travel insurance.
To file a claim with the Chase Sapphire Reserve card, cardholders can visit chasecardbenefits.com or call 1-800-350-1697. It is important to note that additional documentation may be required, depending on the type of claim being submitted. For example, for an emergency medical or dental benefit claim, cardholders must file within 90 days of receiving medical care while on a trip.
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Frequently asked questions
The Chase Sapphire Reserve card offers medical and dental coverage for its cardholders and qualifying family members. It provides up to $2,500 ($50 deductible) for emergency medical or dental services during a covered trip. However, some travellers prefer to purchase separate travel insurance as they find it a hassle to get Chase to reimburse them for medical expenses.
To file a travel protection claim with a Sapphire credit card, visit chasecardbenefits.com or call 1-800-350-1697. For an Emergency Medical and Dental Benefit claim, you can file within 90 days of receiving medical care while on a trip.
The Chase Sapphire credit card's travel insurance covers trip cancellation and interruption insurance, baggage delay insurance, auto rental coverage, emergency evacuation and transportation coverage, and travel and emergency assistance.
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