Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2026]

The Chase Sapphire Preferred^® Card offers a range of travel insurance and protection benefits for a $95 annual fee. Coverage includes primary car rental insurance, trip cancellation and interruption coverage, trip delay, baggage insurance, and emergency evacuation coverage.

This guide covers the full list of travel insurance and protection benefits on the Chase Sapphire Preferred card, including coverage limits, eligibility, requirements, exclusions, and how to file a claim.

Quick Overview: Chase Sapphire Preferred Card Travel Insurance Benefits

The Chase Sapphire Preferred card offers primary rental car insurance with coverage of up to $60,000 for theft or damage when you decline the rental car company’s collision damage waiver (Source: Chase). Trip cancellation and interruption coverage pays up to $10,000 per person ($20,000 per occurrence) for covered losses, and trip delay reimbursement covers up to $500 per trip for delays of more than 12 hours or overnight.

Baggage delay coverage pays up to $100 per day for up to 5 days, and lost luggage coverage pays up to $3,000 per person. You can get up to $100,000 for eligible emergency evacuation and transportation expenses. Coverage generally applies when you pay for your trip in full or in part with your Chase Sapphire Preferred card or Chase Ultimate Rewards points.

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Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

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Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred card bonus categories include travel, dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands, and streaming services.

It offers flexible point redemption options, no foreign transaction fees, and strong travel insurance coverage, including primary car rental insurance. If you travel a few times a year and spend on dining, the card is likely to be a good choice, but it’s hard to justify if you don’t dine out or travel often.

Pros & Cons

Pros

• 5x points on all travel booked via Chase Travel
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• Subject to Chase’s 5/24 application restrictions

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Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
• Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

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Chase Sapphire Preferred Card Travel Insurance Coverage at a Glance

(Source: Chase)

Car Rental Loss and Damage Insurance

The Chase Sapphire Preferred card’s car rental insurance provides primary coverage.

Automobile Rental Collision Damage Waiver

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

To activate the coverage on your card, 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.
• The rental period must not exceed or be intended to exceed 31 consecutive days.
• Coverage is primary.

Exclusions:

• Vehicles valued at more than $125,000, antique cars, cargo vans, trucks (other than pickup trucks), motorcycles, mopeds, motorbikes, limousines, RVs, passenger vans with seating for more than 12 people including the driver
• Car sharing rentals, such as Turo
• Loss or theft of personal belongings
• Personal liability
• Losses from intentional acts or driving under the influence
• Losses from the off-road use of the rental vehicle
• Liability insurance coverage

Bottom Line: Having primary rental car insurance with the Chase Sapphire Preferred card could save you hundreds of dollars on a multiweek car rental. 

Trip Cancellation and Trip Interruption Insurance

In addition to car rental insurance, one of the most valuable benefits of a travel rewards credit card is coverage for travel disruptions.

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

Expenses covered include any nonrefundable, prepaid transportation arrangements that were missed, as well as 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 stepchildren, legal guardians and wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, nieces, and nephews.

The trip cannot exceed 60 days for coverage to be valid.

Covered events include:

• Accidental injury, loss of life, or illness experienced by the cardholder, immediate family, or traveling companion
• Severe weather or a qualifying named storm warning
• Change of military orders
• Terrorist events or hijackings
• Jury duty or subpoena that cannot be postponed or waived
• Finding that your residence or booked lodging has become uninhabitable
• Quarantine
• Organized strikes substantially disrupting public transportation

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 cards 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 and need to purchase necessities or incur other unexpected expenses, such as lodging and additional meals.

Trip delay reimbursement pays up to $500 per traveler for covered expenses not paid by the common carrier. The delay must be overnight or last more than 12 hours.

Baggage Insurance

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

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

• Cell phone charging cable (limit 1 per device)
• Clothing
• Toiletries

Lost Luggage

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

Roadside dispatch can be helpful if you’re stranded on the side of the road, locked out of your car, or your car won’t start. The coverage includes 24/7 roadside assistance.

Services You Can Expect:

• Changing your flat tire when you have an inflated spare
• Delivery of up to 5 gallons of fuel
• Jump-starting
• Lockout service
• Standard towing up to 5 miles
• Standard winching
• Battery assistance, including towing EVs to the nearest charging station

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 standard service fee.

Travel Accident Insurance

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 them. The ticket must be paid for in full or partially with your Chase Sapphire Preferred card or Ultimate Rewards points.

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

• Common carrier travel accident benefit: This covers you while you are a passenger on any common carrier or at the airport, terminal, or station immediately before or after your trip.
• 24-hour-a-day travel accident benefit: This 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 there’s a $100,000 maximum on the 24-hour-a-day travel accident benefit. Only 1 benefit can apply per trip.

Emergency Evacuation and Transportation

If you become seriously ill or injured on a covered trip, emergency evacuation and transportation benefits can help cover the costs of getting you to qualified medical care. There’s also coverage for repatriation of remains.

Coverage You Can Expect:

• Up to $100,000 for eligible emergency evacuation and transportation expenses
• Up to $15,000 for repatriation of remains

Covered travelers typically include the cardholder and immediate family members, including dependent children under 26. The trip must be at least 5 days and no more than 60 days, and it must be more than 100 miles from the covered traveler’s primary residence. The benefits administrator must authorize and arrange emergency evacuation and transportation in advance.

Travel and Emergency Assistance

You can get 24/7 assistance or referral help by phone. Call 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 to receive assistance.

Cardholders, spouses or domestic partners, and dependent children under 26 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 include:

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

No Foreign Transaction Fees

The Chase Sapphire Preferred card doesn’t charge foreign transaction fees. If you spent $4,000 on a family vacation abroad, the savings would be $120.

Filing a Claim

Consider the claim process before you embark on your journey. It’s easier to make a claim if you gather the information and documentation you need during the event, rather than after the fact.

Contact the plan administrator as soon as possible during or after the disruption for guidance and to file a claim (Source: Chase).

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 or receipts showing you paid for the trip with an eligible card or points
• A copy of your transportation ticket and itinerary
• Medical documents or a 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 expenses
• Copy of the carrier, tour company, or travel supplier’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

It’s not Chase but the third-party claim administrator that needs and requests this information. You need Chase statements validating your trip purchase, so store your trip receipts in advance for easy access when you need them.

To file a claim, call the benefits administrator or visit chasecardbenefits.com.

Hot Tip: Before your trip, contact the benefits administrator to clarify trip coverage and inquire about any special information you should know about the destination. You can also be proactive by reviewing the claims process before your trip to learn about any documentation you’ll need in the event of an incident.

Final Thoughts

When you pay for a trip with your Chase Sapphire Preferred card or Chase Ultimate Rewards points, travel protection benefits include primary rental car coverage, trip cancellation up to $10,000 per traveler, trip delay up to $500, and emergency evacuation up to $100,000. It’s a good idea to contact the benefits administrator before travel to verify coverage for your trip details.

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.