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

The Chase Sapphire Preferred^® Card is a solid choice for your first travel rewards credit card. The card’s strengths include valuable Chase Ultimate Rewards Points on every purchase, a variety of redemption options, and even 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 travel insurance coverage or a benefit and realized its value. It’s reasonable to expect that a travel rewards card you use to pay for your travel will have associated trip benefits. Unfortunately, credit card issuers have recently cut back on both travel and shopping benefits.

While some other cards are cutting back, the Chase Sapphire Preferred card continues to offer some of the strongest travel insurance benefits available on a midtier travel rewards card. Whether you currently have the card or are considering it, you’re sure to find this information useful when comparing travel rewards cards.

Chase Sapphire Preferred Card Overview

To put the Chase Sapphire Preferred card‘s coverage into context, it’s important to have a little background. Below, you’ll find important card information like the welcome offer and annual fee.

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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 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

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 is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

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

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

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Card Highlights

• Earn 100,000 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 Travel℠, 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, Lost Luggage Insurance 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 a min. of one year 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

Rewards Center

Chase Ultimate Rewards

Car Rental Loss and Damage Insurance

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

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, 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.
• The rental period must not exceed or be intended to exceed 31 consecutive days.
• Coverage is primary.

Exclusions:

• Exceptionally 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 from 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 can cost $9 to $19 per day, with rates depending on where you rent the vehicle. 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 disruptions during your travels.

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, and the destination must be more than 1 mile from home 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
• Change of military orders
• Terrorist events or hijackings
• Jury duty or subpoena that cannot be postponed or waived
• Finding that your residence has become uninhabitable
• Quarantine

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 ticket 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 (just 1)
• 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 personal items lost for 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

If you’re stranded on the side of the road, locked out of your car, or your car won’t start, you’ll find roadside dispatch a welcome benefit. The coverage includes 24/7 roadside assistance that’s just a call away.

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

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 predetermined flat-rate fee of $69.95 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, but 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 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 $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.

Travel and Emergency Assistance

You’re just a 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 include:

• Emergency message service: Record and relay emergency messages to travelers.
• Medical referrals: Referral to an English-speaking medical practitioner to monitor your progress and serve as a patient liaison
• Legal referrals: Referral to an English-speaking attorney, U.S. consulate or embassy, and assistance with bail bond arrangements
• Emergency transportation: Help with 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 in 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
• Pretrip assistance: Includes help finding an ATM, assistance with visas, health precautions, and other pretrip information

No Foreign Transaction Fees

You don’t want to be hit with 3% fees when using your card abroad. The Chase Sapphire Preferred card doesn’t charge foreign transaction fees, which is thankfully true of many cards nowadays.

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

Filing a Claim

It’s prudent to consider the claim process 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, 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. 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 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

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.

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’d need in case of an event.

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 for travel protections from major issuers:

Chase

Chase issues credit cards, including the Chase Sapphire Preferred card, Chase Sapphire Reserve^®, and Ink Business Preferred^® Credit Card, that offer a comprehensive collection of trip protections. The Chase Sapphire Reserve card and Chase Sapphire Preferred card offer emergency medical evacuation and transportation, and the Chase Sapphire Reserve card also includes $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, as well as trip cancellation, interruption, and delay coverage, with the Platinum Card^® from American Express.

Capital One

You can find secondary car rental insurance, roadside dispatch, accident insurance, lost and delayed baggage, and emergency travel assistance on some Capital One cards.

Bank of America

Bank of America travel rewards cards generally do not offer trip protection or major travel 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 with credit cards are not intended to replace 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 covers a specific trip or multiple trips over a specific time period.

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

Bottom Line: The Chase Sapphire Preferred card 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 peace of mind, allowing you to enjoy your journey without worrying about significant financial expense should something go wrong.

To avoid a false sense of security, call the benefits administrator (using the number on the back of your card) to ensure you have the coverage you need. For example, if you’re planning an adventure trip with greater medical risks than typical travel, review the details, limitations, and exclusions of the card’s emergency evacuation and transportation coverage to decide whether you need additional travel insurance.

Additionally, you may want to confirm that the country where you’re renting 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.