Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2022]

The Chase Sapphire Preferred® card is a solid choice for your first travel rewards credit card. The card’s strengths include its ability to earn valuable Chase Ultimate Rewards Points on every purchase, the variety of redemption options it offers, and even its shopping benefits.

In addition to the key benefits of strong earning power and travel redemption flexibility, the Chase Sapphire Preferred card has your back with travel insurance coverage that offers peace of mind and potential savings during your journey.

If you travel frequently, chances are you’ve used a travel insurance coverage or benefit and realize the value of having this protection. After all, you’re going to be paying for your travel with your travel rewards card so it’s reasonable to expect that the card you use will have associated trip benefits.

Unfortunately, credit card issuers have recently been cutting back on both travel and shopping benefits. In light of this trend, there’s cause to focus on the cards that continue to offer these valuable travel coverages.

It’s important to highlight the prominent travel insurance coverage and benefits of the Chase Sapphire Preferred card. Whether you have the card currently or are considering it, you’re sure to find this information useful when comparing travel rewards cards.

Table of contents

Basic Card Information
Travel Insurance Coverage
How Coverage Compares
- Other Credit Cards
- Travel Insurance Policies
Final Thoughts

Table of Contents

Basic Card Information
Travel Insurance Coverage
How Coverage Compares
- Other Credit Cards
- Travel Insurance Policies
Final Thoughts

Basic Card Information

In order to put the card’s coverage into context, it’s important to have a little background on the card. Below, you’ll find important card information like any welcome bonus and annual fee.

Travel Insurance Coverage

The collection of travel protections and insurance that comes with the Chase Sapphire Preferred card creates a foundation of coverage during your travels. With primary car insurance worldwide, trip disruption coverage, baggage insurance, roadside assistance, and emergency travel assistance, the card has you covered.

Here’s a deep dive into the details of each coverage:

Rental Car on Road — Having collision damage waiver insurance on your card saves you money on car rentals. Image Credit: Thrifty

Auto Rental Collision Damage Waiver

The Chase Sapphire Preferred card shines at providing car rental insurance coverage when compared to other travel rewards cards.

Unlike most travel rewards cards, the coverage you receive with the Chase Sapphire Preferred card is primary car insurance coverage compared to secondary, which means you do not have to file an insurance claim with your own auto insurance company first for coverage to be valid.

To activate the coverage on your card, simply reserve and pay for your rental car with the Chase Sapphire Preferred card, then decline the rental car agency’s collision damage waiver coverage.

The cardholder and any additional drivers you list on the rental agreement are covered.

Coverage You Can Expect:

Damage to or theft of the rental car
Loss of use charges imposed by the rental car company while the vehicle is being repaired
Reasonable and customary towing charges

Conditions:

Coverage is valid in most countries
Rental period must not exceed or intend to exceed 31 consecutive days
Coverage is primary

Exclusions:

Expensive, exotic, and antique vehicles are not covered
Also excluded are open cargo bed vehicles, trucks, and recreational vehicles
Motorcycles, mopeds, and motorbikes
All limousines and vans that transport more than 9 people
Losses due to off-road use of the rental vehicle
Liability insurance coverage is not included

Bottom Line: According to the Insurance Information Institute, a car rental agency’s collision damage waiver coverage can cost $9 to $19 per day, even more depending on where you’re renting the vehicle. Having primary rental car insurance with the Chase Sapphire Preferred card could save you hundreds of dollars on a multi-week car rental.

Lightning Storm Unsplash — Storms can disrupt your travel. Trip interruption, cancellation, and delay coverage can ease the economic impact. Image Credit: Nikolas Behrendt via Unsplash

Trip Cancellation and Trip Interruption

In addition to car rental insurance, one of the most valuable benefits to have on your travels rewards credit card is coverage when there’s a disruption during your travels.

Pay for your trip in full or in part with your Chase Sapphire Preferred card and/or Chase Ultimate Rewards points and receive up to $10,000 if a covered loss prevents you (or other covered persons) from traveling. The maximum benefit for each occurrence is $20,000 and $40,000 maximum per 12-month period.

Expenses covered include any non-refundable, pre-paid transportation arrangements that were missed plus change fees.

The definition of who is covered for trip cancellation and trip interruption coverage is broad. The cardholder, spouse or domestic partner, and immediate family are eligible for coverage. Immediate family includes adopted or step-children, legal guardians/wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, and nieces or nephews.

The trip cannot exceed 60 days in duration and the destination must be more than 1 mile from home for coverage to be valid.

Covered Events

Accidental injury, loss of life, or illness experienced by the cardholder, immediate family, or traveling companion
Severe weather
Change of military orders
Terrorist event or hijacking
Jury duty or subpoena that cannot be postponed or waived
Finding that your residence has become inhabitable
You have been quarantined

Hot Tip: If you pay for your immediate family’s trip with your Chase Sapphire Preferred card or Ultimate Rewards points, they are eligible for trip interruption and trip cancellation insurance coverage, even if you are not traveling with them. For more card options that come with trip cancellation insurance, check out our full guide to the best credit cards for trip cancellation and interruption insurance.

Trip Delay Reimbursement

If your trip is significantly delayed, you may be stranded overnight causing a need to purchase necessities or incur other unexpected expenses such as lodging, additional meals, and personal items.

Trip delay reimbursement pays up to $500 per ticket for covered expenses that are not paid for by the common carrier. The delay must be overnight or greater than 12 hours in duration.

Filing a Claim

It’s prudent to think about the claim process even before you embark on your journey. Should you need to make a trip interruption, trip delay, or trip cancellation claim, the process will be much easier if you have gathered the information and documentation you need during the event versus after the fact.

Contact the plan administrator as soon as possible during or after the disruption for guidance and to file a claim. You may be expected to provide any of the following when submitting a claim for a trip interruption, trip cancellation, or trip delay:

A completed and signed claim form
Credit card statement with the last 4 digits of the card and/or receipts showing you paid for the trip with an eligible card and/or points
A copy of your transportation ticket and itinerary
Medical documents and/or death certificate for health-related claims
A statement from the carrier stating why the trip was interrupted, canceled, or delayed
Receipts for purchases and food expense receipts over $50
Copy of the carrier, tour company, or travel supplier’s cancellation or refund policy
Any additional documentation requested by the benefit administrator

Keep in mind that the documentation needed is not being requested by Chase, but by the third-party claim administrator, therefore Chase statements validating your trip purchase are necessary. Knowing this upfront allows you to store your trip receipts in advance for easy access should you need them.

Hot Tip: Prior to your trip, contact the benefits administrator for clarification of trip coverage and to inquire about any special destination information you should know. You can also be proactive by reviewing the claim process before your trip to learn about any required documentation that would be needed in case of an event.

Unattended Luggage Unsplash — Lost and Delayed luggage benefits pay when your transportation carrier is responsible for losing or delaying your bags. Image Credit: Michał Parzuchowski via Unsplash

Baggage Delay

When traveling on a common carrier, if your baggage is delayed more than 6 hours, you could receive up to $100 reimbursement per day, for up to 5 days, for incidentals purchased.

You can expect to be reimbursed for essential items such as:

Clothing
Toiletries
Cell phone charging cable

Lost Luggage

If your luggage is lost or damaged, Lost Luggage coverage will pay to repair or replace the luggage plus the cost of personal items lost, up to $3,000 per person, per trip.

You must report the loss to the common carrier first as the Lost Luggage benefit is in excess of any payments you receive from that carrier.

Roadside Dispatch

If you’re stranded on the side of the road, lock your keys out of your car, or your car fails to start, you’ll find Roadside Dispatch a welcomed benefit. The coverage provides 24/7 roadside assistance that is just one call away.

Services You Can Expect:

Standard towing up to 5 miles
Changing of your flat tire when you have an inflated spare
Jump starting
Lockout service
Delivery of up to 5 gallons of fuel
Standard winching

Service extras such as towing beyond 5 miles, the cost of a replacement key, or the cost of the actual fuel being delivered, are additional charges and the responsibility of the cardholder. However, you won’t pay more than the pre-determined flat rate fee for the initial service call, as it is set in advance.

Travel Accident Insurance

It’s painful to think about something serious happening during your travels. Just know that there are benefits available in case you’re faced with such a tragic event.

The Chase Sapphire Preferred card is one of a few cards to offer travel accident insurance. The cardholder and immediate family members are covered even if the cardholder is not traveling with the immediate family. The ticket must have been paid for in full or partially with your Chase Sapphire Preferred card and/or Ultimate Rewards points.

Chase’s travel accident insurance is divided into 2 coverages:

Common Carrier Travel Accident Benefit – covers you while you are a passenger on any common carrier or at the airport/terminal/station immediately before or after your trip.
24-Hour Travel Accident Benefit – provides coverage as soon as you embark on your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, and hearing

Coverage on the Common Carrier benefit is limited to up to $500,000 and $100,000 maximum on the 24 Hour travel accident benefit. Only 1 benefit can apply per trip.

Doctor Unsplash — Receive help finding an English-speaking doctor with complimentary travel and emergency assistance. Image Credit: Impulsq via Unsplash

Travel and Emergency Assistance

You’re just one call away from assistance or referral help anytime you need it 24/7. Calling the toll-free number when in the U.S. or the collect-call phone number on the back of your card when traveling out of the country is the fastest way to receive assistance.

In addition to you (the cardholder), your spouse or domestic partner and dependent children under 22 can also use the service.

Referral assistance is complimentary but the cardholder is responsible for the actual goods or services provided.

Services You Can Expect

Emergency message service – Record and relay emergency messages for travelers
Medical referrals – Referral of an English-speaking medical practitioner, monitor your progress, and serve as a patient liaison
Legal referrals – Referral of an English-speaking attorney, U.S. Consulate or embassy, and assistance with bail bond arrangements
Emergency transportation – help making arrangements for emergency transport to the nearest medical facility
Emergency ticket replacement – assistance replacing a lost ticket with your carrier
Lost luggage – provides assistance filing a lost luggage claim or help with replacement items
Translation services – assistance with local language translation services
Prescription and valuable documents replacement – assistance getting prescriptions filled at a local pharmacy or locating and transporting valuable documents
Pre-trip assistance – Includes help finding an ATM, assistance with visas, health precautions and other pre-trip information

No Foreign Transaction Fees

No one wants to be hit with 3% fees when using your card during your international travels. The Chase Sapphire Preferred doesn’t charge foreign transaction fees, which is thankfully true of many cards nowadays.

If you spent $4,000 abroad on a family vacation, the savings would equal $120.

Amex Travel Insurance — Image Credit: American Express

How Coverage Compares

Other Credit Cards

Travel protection and insurance vary greatly by the credit card issuer and can change periodically. In general, here’s what you can expect in the way of travel protections by major issuers:

Chase

Chase issues credit cards including the Chase Sapphire Preferred card, Chase Sapphire Reserve®, and Ink Business Preferred® offer the comprehensive collection of trip protections reviewed in this article. The Chase Sapphire Reserve card additionally offers emergency medical evacuation, $2,500 in emergency medical and dental coverage, and a shorter delay for trip delay coverage.

American Express

American Express offers secondary car rental insurance versus primary coverage, accident insurance, premium roadside assistance, a Global Assist Hotline, and baggage insurance. There is also emergency medical evacuation coverage that comes with The Platinum Card® from American Express. The issuer does not offer trip interruption, cancellation, or delay coverage.

Capital One

You’ll find secondary car rental insurance, roadside dispatch, accident insurance, lost and delayed baggage, and emergency travel assistance on some Capital One cards including the Capital One® Venture® Card.

Bank of America

Bank of America travel rewards cards do not offer trip protections or trip benefits.

Hot Tip: For more details, check out our guide to the best credit cards for travel insurance.

Travel Insurance Policies

Travel protections, benefits, and insurance that come complimentary on credit cards are not designed to take the place of a comprehensive travel insurance policy.

A comprehensive travel insurance policy allows you to select the type of coverage you need and the coverage limits that match your level of risk, whether you’re protecting a significant financial outlay or the potential physical risks associated with the trip. You can also purchase a travel insurance policy that can cover one specific trip or many trips over a specific time period.

With that said, taking a few minutes to read through the trip protections offered on the Chase Sapphire Preferred, you may find enough coverage to satisfy your trip protection requirements for your next trip. As always, you should review the card benefit coverages carefully before you travel and purchase any needed travel insurance to fill in any gaps.

Bottom Line: The Chase Sapphire Preferred offers a high level of travel protection and insurance compared to other travel rewards credit cards. This level of coverage may be more than sufficient for your trip.

Final Thoughts

Having travel insurance brings with it the peace of mind to enjoy your journey without worry of any significant financial expense should something go wrong.

To avoid a false sense of security, however, you’ll want to call the benefits administrator (using the number on the back of your card) to ensure you have the coverage you need.

For example, you may assume you have coverage for emergency evacuation on that mountain trek but the Chase Sapphire Preferred does not carry this coverage. If the protection is important to you, you’ll want to be aware (and purchase separate coverage) before you embark on your journey.

Additionally, you may want to confirm that the country in which you’re renting is one that is covered under Chase’s car rental collision damage waiver, although most are.

While the Chase Sapphire Preferred card offers some of the best travel protection and insurance benefits of any travel rewards card, these benefits are not a substitute for comprehensive travel insurance.

If you’re spending thousands on a vacation for an entire family, booking an expensive cruise, or planning a trip with several forms of transportation involved, you may want to make sure that card-provided benefits provide protection at a level with which you’re comfortable.

If not, you should purchase a comprehensive travel insurance policy.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our Medical & Legal Disclaimers.

Featured Image Credit: Upgraded Points

Frequently asked questions

Is the Chase Sapphire Preferred card worth it?

Yes. The Chase Sapphire Preferred card offers the best travel insurance protection of any major credit card but that is just one of the strong benefits of having the card.

First, the annual fee is lower than other travel rewards cards that offer similar benefits. Additionally, you’ll earn valuable Ultimate Rewards points which can be redeemed for 25% more value when used for travel.

You can also transfer points to airline and hotel partners, receive a statement credit, or purchase gift cards.

Finally, you’ll find shopping benefits such as purchase protection and extended warranty for eligible purchased items.

Does the Chase Sapphire Preferred card have travel insurance?

The Chase Sapphire Preferred card has a long list of travel protections and insurance. You’ll find the all important primary car rental insurance, trip interruption, trip cancellation, and trip delay insurance which can be difficult to find on other travel rewards cards.

In addition, the card offers travel accident insurance, lost and delayed baggage coverage, roadside assistance, travel and emergency assistance.

Does the Chase Sapphire Preferred card have lounge access?

The Chase Sapphire Preferred card does not come with a complimentary lounge access benefit.

However, the Chase Sapphire Reserve card offers complimentary Priority Pass Select membership which affords the cardholder access to over 1,200 worldwide lounge properties.

If the Chase Sapphire Preferred card better than the Chase Sapphire Reserve card?

Both cards offer a comprehensive collection of travel protections and benefits.

The Chase Sapphire Reserve card, however, is a premium travel rewards card that comes with premium travel rewards benefits including complimentary worldwide lounge access, travel statement credits, elevated earnings on travel and dining, and 50% more value when redeeming Ultimate Rewards points for travel.

The Chase Sapphire Reserve card also comes with a much higher annual fee than the Chase Sapphire Preferred card.

A good strategy if you’re just starting out is to start with the Chase Sapphire Preferred card with its lower annual fee.

If you then want more travel benefits, are comfortable paying a higher annual fee, and can utilize the travel benefits that come with the Chase Sapphire Reserve card, it can be your subsequent move.

Does the Chase Sapphire Preferred card cover the Global Entry fee?

No. The Chase Sapphire Preferred card does not offer reimbursement for the Global Entry application or renewal fee.

Do the Chase travel benefits cover my trip if I use Ultimate Rewards points to pay?

Yes. You can purchase your trip in part or in full with your Chase Sapphire Preferred card, Ultimate Rewards points, or a combination of the two and trip protections and benefits will still apply.

Be sure to check the benefits guide for details.

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About Christine Krzyszton

Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points’ travel insurance articles.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

28 comments

Michael Buckley September 9, 2019
Does the Chase credit card cover rental car insurance in the Republic of Ireland?
Reply
- Christine Krzyszton September 10, 2019
  Hi Michael. Chase does not exclude the Republic of Ireland in their collision damage waiver terms and conditions found in the Guide to Benefits. I also read reports on TripAdvisor and other sites of cardholders who have successfully used the Chase Sapphire Preferred there. With that said, you should obtain a letter of coverage from Chase prior to your trip (call the number on the back of the card) and contact the rental car company in advance to confirm that the Chase coverage will be accepted. You can access the Chase Sapphire Preferred Guide to Benefits here: https://cdn.f9client.com/api3/file/1130227/inline/BGC10752_SAPPHIRE_PREFERRED.pdf?__gda__=exp=1568136008~acl=/api3/file/1130227/inline/BGC10752_SAPPHIRE_PREFERRED.pdf*~hmac=c0beab03789a2c66fca8980967e81078143d4488ac04ebf4e399be525bf5479b
  Reply
  - A Mike Ahmann September 25, 2022
    My wallet was stolen in Porto, Portugal today. Does my Chase Saphire cover the monetary value?
    Reply
    - Christine Krzyszton September 25, 2022
      I am so sorry to hear this. Unfortunately, I do not believe there is any coverage that would apply. It wouldn’t hurt to contact Chase, however, if you could use any of the services under Travel and Emergency Assistance services. Call collect: 1-804-673-1691. Also, there may be some coverage under your homeowners or renters insurance. You would probably need a police report.
      Reply
Roberta Bucher February 4, 2020
Does travel insurance from the Chase Sapphire include coverage on lodging paid for pre trip?
Reply
- Christine Krzyszton February 5, 2020
  Hi Roberta. Trip delay insurance can cover overnight lodging depending on the circumstances and trip interruption/cancellation can also cover lodging associated with the interrupted or cancelled trip. Not all situations would be covered, however. It’s best to contact the claims administrator by calling the number on the back of your card prior to your trip to determine the actual coverage you have in your particular circumstances.
  Reply
Jean Young February 5, 2020
My husband and I are scheduled to go to the south Island of Queenstown next Monday the 10th. The track/hike we are supposed to go on may or may not go as planned because of the weather/destroyed trails and the trip to Milford Sound is questionable unless they can fix the road in time. If we decide to cancel part or all of our trip would it be covered under the travel insurance? My thought is we might just skip that part of the trip and go 1 week later. [The total trip is 3 weeks and includes 1 week on the North Island.]
Reply
- Christine Krzyszton February 6, 2020
  Hello Jean. That sounds like an amazing trip. Unfortunately, trip cancellation and interruption insurance that comes with the card only covers limited reasons for the disruption in order to receive a benefit. Deciding not to go would not be a covered reason. You can give Chase a call at the number on the back of your card for further information on your specific circumstances. Thanks for reading.
  Reply
Eva Silvera Sheftel February 11, 2020
I’m going to Africa on June 2021( Bostwana, Zambia , Zimbabwe and Namibia )and I would like to know if the Sapphire Preferred card would have coverage in this area of the world .
Thank you
Reply
- Christine Krzyszton February 11, 2020
  Hi Eva. What a wonderful trip that will be! The guide to benefits for the Chase Sapphire Preferred does not exclude Africa but each coverage has different terms and conditions. I am also not sure which coverage you’re referring to. Rental car insurance, trip cancellation, etc.? If you have a question about a specific coverage, you should call the number on the back of your card prior to your trip and ask specifically about that particular coverage.
  Reply
  - Eva Silvera Sheftel February 11, 2020
    Thank you for your prompt reply. I’m referring to travel insurance( specifically to medical assistance )
    I will call to confirm .
    Reply
James H February 19, 2020
If coronavirus spreads worldwide, would I be able to cancel a trip and get a full refund?
Reply
- Christine Krzyszton February 20, 2020
  Hi James. If the airline issues a waiver for the city you’re flying to or cancels your flight, you will have the choice of a full refund or rescheduling your trip. If you just choose not to go on your trip, this would not be a covered event for trip interruption/cancellation insurance.
  Reply
Millie M March 11, 2020
If I am in a high risk category for the Coronavirus and have been advised not to go on my scheduled cruise in April, would my cancelation be covered?
Reply
- Christine Krzyszton March 12, 2020
  Hi Millie. Since nearly all of the major cruise lines have issued some sort of travel waivers, you should first contact the cruise company to see if you can receive a refund. Normally, the travel insurance benefits on a credit card do not cover voluntary reasons for not traveling. Illness may be covered, however.
  Reply
jillian piere March 28, 2020
Can I book my flights through a third party application (Google Flights), use my Sapphire Preferred card, and still get the benefits or do I need to book directly through Chase Ultimate Rewards Travel?
Reply
- Christine Krzyszton March 28, 2020
  Hi Jillian. You will receive trip cancellation/trip interruption insurance when paying for the flight with your Sapphire Preferred card. You do not have to book it on the Chase UR site. Please understand what is covered, however. Cancel for any reason is not an included covered reason under this benefit that comes with the card. We have written about Cancel for Any Reason Coverage here, if you’re interested: https://upgradedpoints.com/travel/cancel-for-any-reason-cfar-travel-insurance/
  Reply
MIke C March 28, 2020
NOTE: From what I know, (Apr 2020), Sapphire Reserve and most others do NOT cover if the carrier goes bankrupt. This was not a concern a few months ago, but if the virus fears continue for 3 -4 months, it may be, especially with smaller carriers. Applies to Cruise ship lines also.
Do you know of an insurance company that covers bankruptcy, please reply.
Reply
- Christine Krzyszton March 28, 2020
  Hello, and thanks for reading. Several comprehensive travel insurance policies provide coverage for trip cancellation/interruption due to the travel provider’s financial default. We’re written several articles on the topic. It’s important to note that even after a company files bankruptcy, they may still continue to provide travel services. This is the reason you will see the term “financial default”, in most policies. It refers to the provider not operating and therefore not providing services. Here are some articles on tips for purchasing travel insurance. https://upgradedpoints.com/best-travel-insurance , https://upgradedpoints.com/best-travel-insurance-companies/, and https://upgradedpoints.com/travel-insurance-introduction-guide
  Reply
Ole M May 30, 2020
I booked a non-refundable hotel stay in Switzerland through Agoda in Jan 2020 for our trip in August 2020. Because of Coronavirus in Switzerland, the borders of the country and the Swiss airport are closed and all tourists are banned. We already contacted Agoda and the hotel try to get the refund before our trip begins. Unfortunately, they don’t offer a refund or exchange for anything. In this case, does the Chase travel insurance cover our expenses?
Reply
- Christine Krzyszton June 1, 2020
  Hello Ole. Unfortunately, the trip cancellation/trip interruption insurance that comes with the Chase Sapphire Preferred card does not normally cover such a situation. You should contact Chase, however, for a full explanation and to discuss the entire trip with them.
  Reply
Ted A January 13, 2021
I am planning a cruise. Are my significant other and I covered for any trip cancellation/interruption, medical needs/flights associated to/from/during the cruise, etc?
Reply
- Jarrod West January 15, 2021
  Hi Ted,
  As long as the cruise was purchased with your Chase Sapphire Preferred card, then you should be covered.
  Reply
- Christine Krzyszton January 16, 2021
  Hi Ted. As Jarrod mentions, you do have some coverage with the card but only for specific circumstances. For example, there is no coverage if you choose to voluntarily cancel your trip. There is also no medical coverage that comes with the card. For more information, we have several articles on travel insurance. Here’s an example: https://upgradedpoints.com/does-travel-insurance-cover-coronavirus-covid-19
  Reply
Connie Mulholland September 13, 2021
We paid our deposit with a Citibank card. Thinking about the Sapphire Preferred card. If we paid for the rest of the trip on the card would we be covered? ( paid $3,000 – remaining is $14,000)
Reply
- Christine Krzyszton September 13, 2021
  Hi Connie. According to the Guide to Benefits for the Chase Sapphire Preferred card, partial payment with the card qualifies the trip for coverage: “Cardholder charges all or a portion of a
  Trip to his or her Credit Card Account and/or rewards programs associated with the Account”. However, please be aware that travel insurance coverage that comes with the card does not replace a comprehensive travel insurance policy. There is no medical coverage, only certain losses are covered, and much of the coverage can be secondary. I would access the Guide to Benefits to be sure you’re comfortable with the coverage you’ll receive. It may be adequate for your needs or you may need a travel insurance policy.
  Reply
K Andreolli October 1, 2021
Will the Chase Preferred cover if I get a government order quarantined & can’t return home? As in cover any fees to change my flight & my lodging expenses for the duration of the quarantine order?
Reply
- Jarrod West October 1, 2021
  Hi K,
  The Chase terms don’t specify whether that would be covered or not, so I recommend you contact their customer service team directly for help answering that.
  Reply