Chase Sapphire Preferred Card Travel Insurance: 11 Frequently Asked Questions [2026]

The Chase Sapphire Preferred^® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card, and what it does and doesn’t cover.

Chase Sapphire Preferred Card Overview

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Chase Sapphire Preferred^® Card

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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

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Recap of Chase Sapphire Preferred Card Travel Insurance

The Chase Sapphire Preferred card has a long list of travel protections:

• Car rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

Cardholders also get several other cardholder benefits and protections beyond travel insurance:

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance
• Emergency evacuation and transportation

As with all insurance, there are specific terms to understand, exclusions to mind, and coverage limits.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, cardholders have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card.

Travel Accident Insurance

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: common carrier travel and 24-hour-a-day coverage.

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers. Think planes and ferries, for example. You’re also covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour-a-day coverage (often just called 24-hour coverage) applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage ends 1 minute after midnight on the 31st day, though it resumes when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside.

Trip Cancellation and Interruption Insurance

This benefit reimburses you for the money you lose when a trip paid for (in whole or in part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason, while trip cancellation applies to canceling a trip before it begins. The maximum benefit payout is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit adjusts automatically.

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses incurred with a licensed supplier, such as a travel agency, hotel, or shore excursion agency. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover money you paid for tickets to shows or theme parks, tee times at golf courses, museum admission, or other entrance fees, unless they’re part of a tour package.

You’re covered for a few more situations with trip interruption coverage only. These include fees for returning a rental car early or to the nearest facility, and up to $250 in expenses for transporting you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’d be reimbursed for the amount on your travel supplier’s confirmation receipt, assuming it’s listed. If there were no trip value listed on the receipt after you paid with points, you’d be reimbursed at 1 cent per point.

Covered Reasons

Not every reason for canceling or ending a trip is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Required quarantines are also covered if imposed by a physician or a government authority for health reasons. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Bottom Line:

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase cancel for any reason (CFAR) travel insurance.

2. Does Chase Sapphire Preferred Card Travel Insurance Cover Cruises?

Cruises are covered by Chase Sapphire Preferred card travel insurance, including trip cancellation and interruption benefits. Cardholders also receive benefits for delayed, lost, or stolen luggage.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’re on your own for the costs of catching up to your ship.

3. What Does the Chase Sapphire Preferred Card Baggage Insurance Cover?

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, with each additional 24 hours beyond that counted until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to travel with your immediate family members for them to be covered, as long as at least part of their trip was paid for with your card. That can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if changes occur beyond your or the travel provider’s control. There’s also a list of items that aren’t covered, such as medical devices, losses caused by war or conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provider as soon as possible and keep receipts for necessary expenses you incur. You must submit these for reimbursement afterward.

Lost luggage reimbursement is different in that it covers luggage that is lost, stolen, or damaged during your trip. Both checked and carry-on bags are covered up to $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

This protection doesn’t cover items you leave behind by accident. Coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from when you check your bag to when you retrieve it. For carry-ons, it’s from when you board to when you exit.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the time frame specified by your travel provider. Then the coverage on your Chase Sapphire Preferred card covers any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider. Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

4. What Does the Chase Sapphire Preferred Card Travel Accident Insurance Cover?

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. If your medical coverage won’t be in effect on your trip, it’s worth considering medical travel insurance.

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members. It applies if you pay at least part of the airfare for your trip with this card. You receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip. The 24-hour-a-day benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

If more than 1 person is injured, the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death, the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the loss-of-life benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point where your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but purchase them when you arrive at the station, coverage begins once you pay for your travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour-a-day coverage (often just called “24-hour coverage”) functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage pauses 1 minute after midnight on the 31st day and resumes when you reach the airport for a flight home, or when you are in courtesy transportation to the airport for the flight home.

There are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

5. Does the Chase Sapphire Preferred Card Cover Hotel Cancellations?

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like paying the first night’s room cost when you cancel your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

6. Does the Chase Sapphire Preferred Card Cover Airbnb Cancellations?

Airbnb and Vrbo rentals are covered as a provider of lodging:

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …”

Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions and must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage.

7. Does Chase Sapphire Preferred Card Travel Insurance Cover Rental Cars in Other Countries?

The Chase Sapphire Preferred card covers travel insurance in other countries, but there are some exclusions. Since your personal car insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental.

You can be covered up to $60,000 for eligible theft or collision damage on most vehicles with an manufacturer’s suggested retail price of $125,000 or less. Coverage applies to rentals up to 31 days and covers you and any additional drivers listed on the rental contract.

You need to use your card (or your points) to pay for the entire cost of the rental, and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 12 people (including the driver).

The benefits guide doesn’t specify any excluded countries, but you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) in countries under U.S. Treasury Department monetary embargoes.

8. Does the Chase Sapphire Preferred Card Cover Turo or Zipcar Rentals?

No. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them.

9. Does the Chase Sapphire Preferred Card Offer Emergency Evacuation?

As of June 15, 2026, the Chase Sapphire Preferred card has added new earning categories and expanded its insurance offerings. These changes included adding emergency evacuation and transportation benefits.

If you become seriously ill or injured while on a covered trip, these benefits can help cover the costs associated with getting you to qualified medical care. Coverage also includes repatriation of remains in the event a covered traveler dies during a trip.

Coverage benefits include:

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

Both the cardholder and immediate family members are typically included as covered travelers.

10. How Do I File a Chase Sapphire Preferred Card Travel Insurance Claim?

To file a claim, you should first gather all of the documents related to your claim. These can include receipts, accident reports, police reports, photos, hospital records, and anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Different claims have different required timelines. For example, car rental claims must be filed within 100 days of the incident. You need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

11. Do I Need Travel Insurance if I Have the Chase Sapphire Preferred Card?

Travel insurance can be useful for the unexpected, but no 2 trips are the same. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so make sure you choose a policy that covers your expenses for your particular trip.

If you look at your trip and decide that your flights, hotel plans, and a simple plan to relax at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

Final Thoughts

The Chase Sapphire Preferred card offers valuable travel protections for eligible purchases and trips, but coverage terms, limits, and exclusions apply. Review the card’s current guide to benefits to understand what’s covered, the documents you need to make a claim, and whether you need additional coverage for your trip.