Jane Dotson
The Chase Sapphire Preferred Card is a popular travel rewards credit card known for its excellent earning potential and range of benefits. These include trip cancellation and interruption insurance, baggage delay insurance, trip delay coverage, and lost luggage reimbursement. However, it is important to note that emergency medical and dental coverage and emergency evacuation and transportation are not included with the Chase Sapphire Preferred Card. For these benefits, one must opt for the higher-annual-fee Chase Sapphire Reserve Card.
| Characteristics | Values |
|---|---|
| Annual fee | $95 |
| Sign-up bonus | 100,000 bonus points after spending $5,000 in the first three months |
| Rewards | 25% more value when redeeming for airfare, hotels, car rentals, and cruises |
| Hotel credit | $50 every account anniversary |
| Trip cancellation/interruption insurance | Reimbursement of up to $10,000 per person and $20,000 per trip |
| Auto rental collision damage waiver | Primary coverage |
| Lost luggage insurance | Up to $3,000 per passenger |
| Baggage delay insurance | Up to $100 per day for up to five days |
| Trip delay reimbursement | Up to $500 per ticket/passenger for delays over 12 hours or requiring an overnight stay |
| Travel accident insurance | Covers accidental death, dismemberment, loss of speech, hearing, or limb |
| Emergency assistance | Medical and legal referrals, cash advances, transportation assistance |
| Purchase protection | Coverage for new purchases for 120 days against damage or theft, up to $500 per item |
| Extended warranty protection | Additional year for eligible warranties of three years or less |
| No foreign transaction fees | |
| DashPass access | $0 delivery fees and lower service fees for at least one year |
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What You'll Learn
Chase Sapphire Preferred Card offers travel health insurance
The Chase Sapphire Preferred Card is a popular travel rewards credit card known for its excellent earning potential and outstanding travel insurance and protections. The card offers an array of benefits that provide significant value for cardholders, especially those who frequently travel.
One of the standout features of the Chase Sapphire Preferred Card is its travel health insurance. While the card does not include emergency medical coverage or emergency evacuation, it does provide travel accident insurance. This coverage applies when cardholders use their card to pay for air, bus, train, or cruise transportation and offers protection in the event of accidental death or dismemberment. Cardholders can also request travel and emergency assistance, which can aid with medical and legal referrals, although any associated costs must be paid separately.
In addition to travel health insurance, the Chase Sapphire Preferred Card offers a range of other travel-related benefits. These include trip cancellation and interruption insurance, baggage delay insurance, trip delay coverage, and lost luggage reimbursement. The card also provides primary rental car coverage for damage and theft, which can save cardholders money on rental insurance fees.
The Chase Sapphire Preferred Card also offers an annual hotel credit, no foreign transaction fees, and the ability to transfer rewards points to airline or hotel partners. With its generous rewards structure, wealth of perks, and modest annual fee, the Chase Sapphire Preferred Card is an excellent choice for those seeking a top travel rewards card.
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Cardholders can request travel and emergency assistance
The Chase Sapphire Preferred Card is a popular travel rewards credit card known for its excellent earning potential and wealth of perks. One of the most notable benefits of the card is the travel and emergency assistance available to cardholders.
When cardholders encounter problems while travelling, they can request assistance from the Benefit Administrator, who can provide medical and legal referrals, as well as help with cash advances, transportation, and other services. This can provide peace of mind and support in the event of unexpected situations or emergencies during travel.
To access these services, cardholders can call a hotline to arrange the necessary assistance. While the arrangement of services through the hotline is free, cardholders are responsible for covering the costs of any services provided. This is an important distinction to note, as it means that while the card offers convenient access to assistance, the financial responsibility for any medical or legal services received ultimately falls on the cardholder.
In addition to travel and emergency assistance, the Chase Sapphire Preferred Card offers a range of other travel-related benefits, including trip cancellation and interruption insurance, baggage delay insurance, trip delay coverage, and lost luggage reimbursement. These protections provide reimbursement for various travel inconveniences, such as cancelled or interrupted trips, delayed baggage, and lost luggage.
The card also offers primary rental car coverage, which can save cardholders money on rental insurance fees. This coverage includes both damage and theft protection when renting a car, providing comprehensive protection for cardholders during their travels. Overall, the travel and emergency assistance available through the Chase Sapphire Preferred Card can provide valuable support and assistance to cardholders when facing medical, legal, or other travel-related challenges.
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Trip cancellation and interruption insurance
The coverage includes reimbursement for prepaid, unused, and non-refundable travel expenses, such as plane tickets, hotel stays, or cruise line reservations. The reimbursement amount is up to $10,000 per person and up to $20,000 per trip, with a maximum of $40,000 per 12-month period. To qualify for this benefit, cardholders must pay for their travel expenses with their Chase Sapphire Preferred card.
It is important to note that trip interruption insurance is different from trip cancellation insurance in terms of the scope of coverage. Trip interruption insurance covers the cardholder during their trip, from the moment of departure until their return home. On the other hand, trip cancellation insurance covers the period from booking the trip until the departure time.
Some specific situations covered by trip interruption insurance include severe weather events, such as hurricanes or floods, and organised airline employee strikes that lead to the cancellation of flights. It is important to carefully review the terms and conditions of the insurance, as some common occurrences, such as changes in plans or failure to obtain necessary travel documents, are usually not covered.
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Auto rental collision damage waiver
The Chase Sapphire Preferred Card offers an auto rental collision damage waiver as part of its travel insurance and protections. This benefit is activated if you decline the collision damage waiver offered by the rental company and pay for the entire cost of the rental using your Chase Sapphire Preferred Card. The waiver covers up to \$75,000 in damages for the primary cardholder, as well as any authorised drivers, and provides protection against theft and damage. It is worth noting that this type of waiver does not cover physical injury to the driver, passengers, or people in other vehicles in the event of an accident.
To file a claim with your Chase Sapphire Preferred Card, you must contact the benefits administrator within 100 days of the incident and submit a completed claim form within 120 days. All supporting documentation must be submitted within 365 days of the incident. You can file a claim by calling 888-675-1461 or by going online to eclaimsline.com.
In addition to the auto rental collision damage waiver, the Chase Sapphire Preferred Card offers a range of other travel-related benefits, including trip cancellation and interruption insurance, baggage delay insurance, trip delay reimbursement, and lost luggage reimbursement. The card also provides travel and emergency assistance, which can help with medical and legal referrals, cash advances, and transportation assistance. Cardholders can access targeted deals for select retailers and qualify for purchase protection and extended warranty protection.
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Lost luggage insurance
The Chase Sapphire Preferred Card is a popular travel rewards credit card known for its excellent earning potential and benefits. It offers a range of travel insurance and protections for an affordable annual fee of $95.
One of the benefits of the Chase Sapphire Preferred Card is lost luggage insurance. This insurance provides reimbursement for lost or damaged luggage. The coverage amount is up to $3,000 per passenger, including immediate family members, if the luggage is damaged or lost by the carrier. This benefit is especially useful when travelling, as it provides peace of mind and financial protection in case of lost or damaged luggage.
In addition to lost luggage insurance, the Chase Sapphire Preferred Card also offers baggage delay insurance. This insurance provides reimbursement for essential purchases if your luggage is delayed. The coverage amount is up to $100 per day for up to three to five days when a baggage delay of at least six hours occurs. This benefit is helpful if you need to purchase clothing, toiletries, or other essential items while waiting for your delayed luggage.
The Chase Sapphire Preferred Card also offers other travel insurance and protections, including trip cancellation and interruption insurance, trip delay reimbursement, auto rental collision damage waiver, and travel accident insurance. These benefits provide comprehensive coverage for various travel-related issues, making the Chase Sapphire Preferred Card a valuable choice for travellers.
While the Chase Sapphire Preferred Card offers a range of travel insurance and protections, it is important to note that it may not cover all the aspects of a dedicated travel insurance plan. For example, emergency medical expenses and emergency medical evacuation are typically not covered by credit card plans, including the Chase Sapphire Preferred Card. Therefore, it is crucial to carefully review the terms and conditions of the card's travel insurance benefits to understand the extent of the coverage provided.
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Frequently asked questions
The Chase Sapphire Preferred card does not offer emergency medical and dental coverage. However, cardholders can request travel and emergency assistance when they’re on the road, which can help with medical and legal referrals, transportation assistance, and other services.
The card offers trip cancellation and interruption insurance, baggage delay insurance, trip delay coverage, and lost luggage reimbursement. It also includes primary rental car coverage for damage and theft.
The Chase Sapphire Preferred card is considered one of the best travel credit cards in the market due to its outstanding travel insurance and protections for an affordable annual fee. However, it is recommended to review the fine print and compare it to dedicated travel insurance plans to ensure you have the coverage you need.
Yes, the card offers an annual hotel credit, no foreign transaction fees, purchase protection, extended warranty protection, and access to targeted deals for select retailers. It also provides complimentary access to DashPass, offering $0 delivery fees and lower service fees for a minimum of one year.
To qualify for the travel insurance benefits, you must pay for your travel expenses or rental car with your Chase Sapphire Preferred card. For the rental car insurance, you need to pay for the entire rental with your card and decline the rental company's collision coverage.
