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

- UPDATED: September 19, 2022 |

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Few credit cards can compete with the Chase Sapphire Reserve® when you’re looking for a premium travel rewards credit card. There are also few, if any, travel rewards cards that offer a better selection of travel insurance benefits.

Travel insurance benefits and protections that come with your credit card can provide valuable assistance if your trip is disrupted, reimburse you for expenses if things go wrong during your journey, and much more.

It’s become increasingly more important to have a level of travel insurance for peace of mind and to make you whole after an unexpected event. While the travel insurance that comes on your credit card is not meant to take the place of a comprehensive travel insurance policy, it can provide sufficient coverage for most trips you make.

Today, we’ll dive deep into the assortment of travel insurance benefits that come with the Chase Sapphire Reserve card.

We’ll also look at how the coverages work, glance at the process for filing a claim if something does go wrong, and in the end, give you all the other reasons we like the card for frequent travelers.

Chase Sapphire Reserve Card — Travel Insurance Benefits and Protections

There are so many reasons we like the Chase Sapphire Reserve card overall and we’ll cover those later in our article. For now, we’re going to jump right into the focus of our review, the travel insurance benefits and protections offered on the card.

Some benefits or protections can save you money, others provide assistance during your travels, and yet others offer peace of mind.

Here is our breakdown of the travel insurance coverages that can be found on your Chase Sapphire Reserve card.

Auto Rental Collision Damage Waiver

Hertz Car Rental — Travel insurance coverage that comes on your card can save you money and provide valuable protection. Image Credit: Hertz

The auto rental insurance coverage on your Chase Sapphire Reserve card could save you hundreds of dollars on your car rental bill. Simply reserve and pay for your car rental with the card, decline the car rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW) coverage, and receive primary car rental coverage for theft or damage to the rental car.

Primary coverage means that you do not have to file a claim with another insurance company first.

Additional coverage includes loss of use charges and reasonable and customary towing charges.

You and authorized drivers listed on the rental agreement are covered.

Coverage limitations and conditions apply, including:

$75,000 coverage limit
Rental period cannot exceed 31 days
Liability coverage and the loss of personal items are not covered
Expenses reimbursed by other insurance are not covered
Antique vehicles, vans that carry more than 9 people, motorcycle/bikes, limos, and recreational vehicles are not covered

Bottom Line: The Chase Sapphire Reserve card comes with primary car rental insurance. If a car rental agency charges $20 per day for this coverage, you could save $140 on a 7-day rental by declining the rental car agency’s collision damage waiver or loss damage waiver coverage.

Trip Cancellation and Trip Interruption

When you pay for your trip partially or in full with your Chase Sapphire Reserve card, with Ultimate Rewards points earned on your card, or a combination of both, you could receive a benefit if your trip has to be canceled or is disrupted for a covered reason.

Examples of covered events could include:

Severe weather that prevents you from beginning a trip or keeps you from continuing your travels
Illness or death of an immediate family member or travel companion
Certain legal obligations

Examples of expenses reimbursed include:

Prepaid non-refundable expenses charged by a travel supplier, such as a tour operator, airline, or other common carriers
Non-refundable prepaid expenses charged by rental car or travel agencies
Under trip interruption, $250 for emergency ground transport

The trip cancellation/interruption coverage that comes with the Chase Sapphire Reserve card pays up to $10,000 per person, per trip, up to $20,000 per occurrence, and up to a maximum of $40,000 in a 12-month period.

Examples of losses that would not be covered could include:

Cancellation by the travel provider (unless due to severe weather)
You change your plans
Preexisting conditions
War
Financial insolvency of the travel provider
Losses that occur on trips exceeding 60 days

Hot Tip: The trip cancellation and trip interruption insurance that comes with a credit card, including the Chase Sapphire Reserve card, does not cover voluntary trip cancellations. If you think you might have to cancel a trip, you should purchase Cancel for Any Reason Insurance which provides coverage regardless of the reason for cancellation.

Trip Delay Reimbursement

Traveler waiting at the airport departure area for his delayed flight — Trip delays can be frustrating and result in unexpected expenses for the traveler. Travel insurance coverage on the Chase Sapphire Reserve card could help. Image Credit: Chalabala via Adobe Stock

Trip delays of more than 6 hours or an overnight stay trigger the trip delay reimbursement coverage on your Chase Sapphire Reserve card. You and your eligible family members could receive up to $500 for each purchased ticket, per trip, for unreimbursed expenses for incidentals, lodging, and meals.

Lost Luggage Reimbursement

If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person, per trip. There is a sub-limit of $500 included in the $3,000 maximum for valuable items such as jewelry watches, and specific electronics.

Baggage Delay

When your bags are delayed for more than 6 hours, you could receive up to $100 per day for 5 days for reimbursement of essentials such as clothing, toiletries, and a cell phone charger.

Roadside Assistance

Make just a call if you have a roadside emergency and receive assistance with services such as flat tire replacement, emergency fuel, jump-start service, towing, lock-outs, and more.

The number of covered service calls each 12-month period is limited to 4 and the maximum coverage is $50 per service call. Any charges over that amount will be charged to the Chase Sapphire Reserve card.

Emergency Evacuation and Transportation

Pay for at least a portion of your common carrier trip with your Chase Sapphire Reserve card. Then, if you or an immediate family member become injured or sick during your travels and need emergency evacuation, the card could provide up to $100,000 in coverage.

Trips must be at least 5 days in length, not more than 60 days, and the traveler must be more than 100 miles from home.

This is not reimbursement coverage — you must call the benefits administrator at the time of the incident to initiate emergency transport.

Emergency Medical and Dental Benefit

It’s rare to find any medical or dental coverage provided on a credit card, but the Chase Sapphire Reserve card offers this benefit for its cardholders and qualifying family members.

Here’s how the coverage works:

Provides up to $2,500 ($50 deducible) for emergency medical or dental services during a covered trip
Up to $75 per day for 5 days for a hotel if ordered by the attending physician
Emergency medical/dental services, hospital room, ambulance, medicines, and supplies are examples of covered items
The trip must be more than 100 miles from your residence

Travel Accident Insurance

Travel Accident Insurance is a benefit seldom ever used but it can provide peace of mind knowing that if a covered death or dismemberment occurred during you or your family’s common carrier trip, there could be a benefit provided.

The card comes with up to $1,000,000 in coverage.

Travel and Emergency Assistance

Whether you need assistance planning your trip or need help during your travels, you’ll have access to a dedicated phone line 24/7. Receive assistance such as help securing emergency transportation, translation, medical, and legal referrals, help with lost passports, or emergency ticket replacement.

The cost of the actual services received is the responsibility of the cardholder.

Bottom Line: The Chase Sapphire Reserve card comes with one of the best collections of travel insurance benefits and protections available. To learn about additional credit cards also offering travel insurance, check out our list of the best credit cards for travel insurance.

How To File a Claim

Receipt in grass — Knowing, before you travel, what information you would need to file a travel insurance claim could make the process easier. Image Credit: Aman jha via Pexels

The best time to think about filing a travel insurance claim is before an event happens. Before setting off on your trip, it’s wise to take a few minutes to learn how you or your travel companions could receive assistance, should your trip be disrupted.

Reviewing the process of how to contact the claims administrator en route, should it become necessary, could save you money and frustration after the fact for not following the correct procedure for coverage to be valid.

Reviewing the claims process in advance also makes it easier to gather needed information at the time of disruption, such as photos or a statement from the travel provider, versus trying to secure the needed documentation once you’ve arrived home from a disrupted trip.

Here’s what you’ll need to know about filing a claim for Chase credit card travel insurance benefits and/or protections.

Time Is of the Essence

Each specific travel insurance coverage has stated time limits to report a claim, submit the completed and signed claim form, and for supplying all of the required documentation. Failing to do so could jeopardize the processing of your claim.

The best rule of thumb is to contact the claims administrator as soon as an event occurs. This action can also help you receive proper instructions on how to proceed to make sure your expenses will be covered.

Documentation Is Important

You will be asked to submit documentation for your claim to be processed properly. Keep in mind that Chase is not processing your claim as the card issuer utilizes a third-party claims administrator.

You could be asked to provide any of the following information:

A completed and signed claim form
Your credit card statement that includes the last 4 digits of the card and receipts showing you paid for the trip/car rental with the eligible card and/or associated points
A copy of your common carrier ticket and itinerary
Any related medical documents and/or death certificate
Documentation from the travel provider as to why the trip was interrupted, canceled, or delayed
Receipts for purchases and food expense receipts over $50
Copy of the travel provider’s cancellation or refund policy
Any additional documentation requested by the benefit administrator

Hot Tip: The claims process will be easier if you have saved receipts, kept travel provider cancellation/refund policy documentation, and have copies of your ticket information and itineraries.

Everything Else You Need To Know

Our list of Chase Sapphire Reserve card travel insurance benefits is an overview only. We have also abbreviated the coverage descriptions. You will need to access the official Guide to Benefits for the card for terms, conditions, current coverage limits, and claim procedures.

Also, note that most travel insurance benefits that come with credit cards are normally secondary to other insurance you might have that would otherwise cover the loss. If you are compensated by an airline for lost luggage, for example, you would only have coverage via your credit card for any excess loss you incurred above the airline’s payment (up to the limits of coverage).

Why We Like the Chase Sapphire Reserve Overall

In addition to having one of the best travel insurance offerings among credit cards, the Chase Sapphire Reserve card comes with strong earnings, redemption options, statement credits, and additional benefits.

Here are some of the reasons we like this premium travel rewards card.

Earning

The Chase Sapphire Reserve card earns valuable, flexible Ultimate Rewards points on every purchase you make.

Here’s how you’ll earn points on the card:

10x earnings on car rentals, hotels, and dining booked via Chase Travel
5x earnings on air travel
3x earnings on all other travel and dining
10x earnings on Lyft rides (through March 2025)
1x earnings on all other purchases

Redeeming

When it comes time to redeem your Ultimate Rewards points, you’ll have several options offering various values:

Transfer Ultimate Rewards points to airline and hotel partners to redeem for award tickets or free hotel nights
Redeem via the Chase travel portal for 1.5 cents each
Redeem for a statement credit or cash-back at 1 cent each
Pay Yourself Back to redeem your points for a statement credit at 1.5 each from a list of eligible purchases that rotates
Redeem for gift cards, experiences, merchandise, or at Amazon and Apple

Other redemption values vary, but always strive to receive no less than 1 cent per point redeemed as you can cash out points for that amount. Transferring Ultimate Rewards points to travel partners can potentially result in the most value for your points. You may also find good value via the Chase travel portal utilizing points at 1.5 cents each for inexpensive flights.

Statement Credits

Receiving statement credits for purchases you’ll be making anyway is an effective way to offset the card’s annual fee. Here are the statement credits you can expect from the Chase Sapphire Reserve card:

Up to $300 Travel Statement Credit — Each card anniversary year, you’ll receive reimbursement for your travel purchases in the form of a statement credit of up to $300.
Global Entry, NEXUS, or TSA PreCheck Fee Reimbursement — Once every 4 years, you can receive up to $100 reimbursement for Global Entry fees, $50 for NEXUS enrollment, or $85 for TSA PreCheck.

Additional Benefits

Changi Lounge Singapore — Enjoy unlimited access to Priority Pass lounges worldwide and bring up to 2 guests with your complimentary Priority Pass Select membership. Changi Lounge in Singapore. Image Credit: Jewel Changi Airport

Complimentary Priority Pass Select Membership — Enjoy access to over 1,300 airport lounge and lounge-alternative properties worldwide with your membership. You’ll also be able to bring in 2 additional guests at no extra charge.
Complimentary DoorDash DashPass Subscription — You’ll have free delivery on all orders $12 or more and discounted fees (over $100 value). Activate by December 31, 2024.
The Parking Spot Status and Perks — Enroll in complimentary Spot Club Platinum status at The Parking Spot for 2 years and receive 20% off of your first reservation and points for 1 free day of parking.
No Foreign Transaction Fees — A typical foreign transaction fee can be 3% of your transaction. You won’t have any such fees on your foreign purchases when you use your Chase Sapphire Reserve card.
Purchase Protection — Use your card to purchase an eligible item and if that item is damaged, stolen, or experiences “involuntary and accidental parting” you could receive up to $10,000 per claim, for a maximum of $50,000 per year. The coverage is valid for 120 days from the purchase date. Gifts purchased for others are also covered.
Return Protection — If the merchant will not take back any eligible item within 90 days after the purchase date, you could receive up to $500 per item, $1,000 maximum per year.
Extended Warranty — The manufacturer’s warranty of 3 years or less will be extended for 1 additional year for eligible items. Coverage is limited to $10,000 per claim, $50,000 per account.

Bottom Line: With powerful earning and redemption options, statement credits for specific purchases, worldwide lounge access, and a long list of travel and shopping benefits/protections, the Chase Sapphire Reserve card can be worth the annual fee.

Alternative Travel Rewards Cards

While we think the Chase Sapphire Reserve card is an excellent choice for a travel rewards card, here are a couple of equally appropriate alternatives for the frequent traveler.

The Platinum Card® from American Express

Also packed with a generous collection of travel insurance benefits, the Amex Platinum card shines as a companion for the frequent traveler.

Its lounge access benefits are second to none, plus it offers hotel program elite status, rental car perks, and statement credits for specific purchases. It also earns valuable, and flexible, Membership Rewards points via a generous bonus earnings on eligible travel.

Chase Sapphire Preferred® Card

If you’re looking for a travel rewards credit card but are reluctant to pay a high annual fee, or you won’t use all of the benefits offered on the Chase Sapphire Reserve card, you might want to consider the Chase Sapphire Preferred card.

The Chase Sapphire Preferred comes with many of the travel insurance benefits and protections offered by the Chase Sapphire Reserve card and it’s one of our favorite travel rewards cards.

Capital One Venture X Rewards Credit Card

Credit Card	Benefits & Info
Capital One Venture X Rewards Credit Card	Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of options Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel Earn unlimited 2X miles on all other purchases Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network Receive up to a $100 credit for Global Entry or TSA PreCheck® Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs Good to Excellent (670-840) Annual Fee: $395 $1,350 Must Reads: If you’re looking for more information about the CapOne Venture X Card, explore our full review.

Credit Card

Benefits & Info

Capital One Venture X Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
Good to Excellent (670-840)
Annual Fee: $395

$1,350

Must Reads: If you’re looking for more information about the CapOne Venture X Card, explore our full review.

The newest premium travel rewards card on the block is the CapOne Venture X card. We like that the card comes with an annual up to $300 statement credit for travel purchased via Capital One Travel.

The card’s annual fee is also lower than most premium travel rewards cards but you’ll still find travel insurance, worldwide lounge access, Global Entry or TSA PreCheck fee reimbursement, stellar earnings on travel, cell phone protection, and a respectable 2x earnings on all other purchases.

Final Thoughts

While the high annual fee may be off-putting, the Chase Sapphire Reserve card is packed with plenty of benefits to justify the expense — if you’ll utilize the majority of those benefits.

Our focus today was on travel insurance benefits that alone could save you money, provide compensation, and/or reimbursement if your trip is disrupted. But there is additional value in all the other benefits offered on the card.

A Priority Pass Select membership, for example, will set you back as much as $429 each year, plus $32 for each guest, per visit. The Priority Pass membership that comes with the Chase Sapphire Reserve card offers unlimited access for the cardholder and allows 2 additional guests at no charge.

The card also comes with a $300 travel credit, and up to $100 for Global Entry, NEXUS. or TSA PreCheck fees.

If you can utilize the benefits, the card can be worth it.

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.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.

Featured Image Credit: Upgraded Points

Frequently asked questions

Does the Chase Sapphire Reserve card have travel insurance?

The Chase Sapphire Reserve card has one of the best travel insurance packages available.

You’ll find a collection of travel insurance coverages that include primary car rental insurance, trip cancellation/interruption, lost and delayed baggage coverage, emergency evacuation and medical, roadside assistance, and more.

Is the Chase Sapphire Reserve card worth the annual fee?

If you will utilize the benefits offered on the Chase Sapphire Reserve card, the card is definitely worth it.

In fact, we’ve estimated that the card offers benefits that could be valued at nearly $3,500.

Does the Chase Sapphire Reserve card have primary car rental insurance?

The Chase Sapphire Reserve card does offer primary car rental insurance.

Primary car rental insurance does not require that you file a claim with your own car insurance company insurance first. If a covered event occurs, you will have coverage on your Chase Sapphire Reserve card.

You must pay for the entire rental with your Chase Sapphire Reserve card and decline the rental car agency’s collision damage waiver coverage for coverage to be valid.

Can I have more than 1 Chase Sapphire credit card?

While you can have more than 1 Chase credit card, you can only be the primary cardholder on 1 Chase Sapphire credit card, either the Chase Sapphire Reserve card or the Chase Sapphire Preferred card. You could, however, be an authorized user on another Sapphire card.

Which card is better, the Chase Sapphire Preferred card or the Chase Sapphire Reserve card?

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card offer benefits for the frequent traveler.

The better card for you will depend on your spending mix, your preferred redemption options, your tolerance for paying an annual fee, and the level of travel benefits/protections you will use on the card.

To assist you further, we’ve put together a detailed article comparing the 2 cards. Access our article on the Chase Sapphire Reserve card vs. the Chase Sapphire Preferred card.

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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.

13 comments

James October 29, 2020

Great informative article. Thanks!

For emergency evac/medical/dental coverage, what is the required payment of the trip using a car? For example, can I just charge any travel expense during the trip, and that will allow me to file a claim during the trip?

Reply
- Jarrod West October 30, 2020
  
  Hi James,
  
  Yes, that is correct. Any non-refundable travel expenses from your trip should be covered in the event of an emergency evacuation.
  
  Reply
- Christine Krzyszton October 30, 2020
  
  Hi James. Thanks for your comment and for reading. According to the terms and conditions, a covered trip is defined as the following: “Covered Trip – arrangements that are made by a commercial licensed travel establishment consisting of travel agencies and/or common carrier organizations for which the expense has been charged to an Eligible account.” While a road trip doesn’t totally fit this definition, I would call the number on the back of your card to see if there are circumstances where portions of your trip could be covered (tour, organized hike, guides, etc.).
  
  Reply
Pete July 26, 2021

So reading the bit about “commercial licensed travel establishment” does that mean if you book the trip yourself you won’t be covered by this travel insurance? A little confused here, thanks.

Reply
- Christine Krzyszton July 27, 2021
  
  Hi Pete. Each individual travel insurance coverage has its own terms and definition of a “covered trip”. The above description is not for trip interruption/cancelation coverage so I apologize for the confusion. If you book a trip with your card that includes hotel, flights, transportation, etc., it would qualify for covered losses. For trip interruption/trip cancelation coverage, for example, the Guide to Benefits defines a qualifying trip as: “A covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements, less any redeemable frequent flyer miles, points, coupons or certificates, is charged.” If you have a specific situation that you’d want to find out if there is coverage for, you would need to contact Chase at the number on the back of your card.
  
  Reply
Lewis January 25, 2022

This June my wife and I are planning a three-week trip to Germany that will include a 7 day Viking river cruise from Amsterdam to Brussels. I have the Chase Sapphire Reserve Credit Card primarily for its travel insurance and have paid the crazy annual fee ($450 going up to $550) for the past 2 years without taking a single trip. I know that I’ll need additional travel coverage to cover us in the event we test positive and have to disembark from the boat and have to find a way home, or if we test positive prior to our flights and get delayed or denied. Is there a policy rider that I could purchase that would add to the Chase coverage or should I just buy a separate ‘cancel for any reason’ policy? Thank you

Reply
- Christine Krzyszton January 25, 2022
  
  Hi Lewis. This sounds like a wonderful journey. Yes, for a trip with such a significant investment, and length, I would certainly purchase travel insurance. There is no additional insurance (or rider) available for purchase through Chase. Since it sounds like one of your main concerns is getting ill, know that many travel insurance policies cover COVID the same as other illnesses. You may not need “Cancel for Any Reason” insurance unless you think you might cancel due to your fear of getting ill, or other reasons that might not otherwise be covered. I would contact your cruise company to find out the insurance options they offer. If you purchased your flights from the cruise company, they may have a package that can cover much of your trip or just the cruise portion. Beyond that, you can check out travel insurance comparison sites like Squaremouth, Travelinsurance.com, or Insuremytrip to cover the flight/ground portion of your trip. Be sure the policy you select covers Covid-related illness since that is a priority for you. Safe travels.
  
  Reply
Silvia Munoz February 2, 2022

Thank you for the excellent review. One of the main reasons we got the CSR was for its broad travel protection, so in order to benefit from it we paid our upcoming 25-day cruise in its entirety with the card.

I have read Chase’s travel protection terms and conditions more than a couple of times, and frankly, I can’t see that coverage for medical, or emergency medical evacuation caused by Covid is negated any way. The definition of “sickness” doesn’t exclude it either. Am I missing something? Your comments will be much appreciated. Thank you. Silvia

Reply
- Christine Krzyszton February 2, 2022
  
  Hi Silvia. How wonderful that you have an upcoming cruise. I’m sure you’re excited but also want to make sure you have coverage just in case. While I agree with you regarding the terms and conditions not excluding COVID, keep in mind that there is only $2,500 worth of emergency medical available on the card. Evacuation coverage limits are much more, of course. You may want to consider purchasing additional travel insurance for a trip such as this, however. Perhaps contact the cruise line and inquire about their coverage and visit one of the travel insurance comparison sites such as Squaremouth, Insuremytrip, or Travelinsurance.com. You may be surprised at how affordable it can be and it may be worth the investment for peace of mind during your journey. Thank you for reading.
  
  Reply
  - Silvia Munoz February 2, 2022
    
    Thank you for the speedy response! I wanted to make sure something was not going over my head 🙂
    In our case, we live in South Florida and are covered by a Medicare Advantage plan that includes emergency medical costs incurred while traveling on a reimbursement basis. This coverage was “tested” in 2019 when we got reimbursed for treatment received aboard a cruise, so our main concern would the emergency evac protection which isn’t covered by our plan. Thank you again.
    
    Reply
Teresa Davis February 9, 2022

Thanks for a great article. But a word to the wise, I have had Chase Sapphire Reserve for 6 years and the one time my flight was canceled (traveling abroad), they were not able to get me another flight and they did not cover anything. I was left with a $200 hotel phone bill that occurred trying to get help from Chase and paying $600+ for a last-minute flight to replace the $75 flight I had originally purchased through Chase portal months in advance. After returning to the US, I called to try to remedy the situation and after talking to several people, the best they would do is to cover the original $75 flight. The end. EXTREMELY disappointed in what I always considered to be a reliable travel card. The promises sound good but if they don’t deliver….

Reply
Santiago September 13, 2022

Hello, this is a great article! But I did want to let your readers know that while Chase Sapphire offers these benefits, actually receiving these benefits its almost impossible. I’ve had the Sapphire for over 4 years, and I have submitted 3 claims so far, and all have been denied. They used a third party provider whose sole job is pretty much denying any claims you make. Per example, if your bag gets lost by an airline, they ask you for original receipts for all items in the bag in order to re-imburse you. Who keeps original receipts for all items and clothes they have? They also ask for a custom letter from the carrier, which now a days is almost impossible to get as well. While these benefits sound great, its all marketing and you should not rely on any of them.

Reply
- Christine Krzyszton September 13, 2022
  
  Hi Santiago, and thank you for the comment. Some card coverages, such as the baggage insurance you mentioned, are secondary or excess coverages that require you to first file a claim with, in this case, the airline. Once the airline denies or pays a limited amount, then the card coverage kicks it. But yes, to your point, these coverages do not take the place of a comprehensive travel insurance policy.
  
  Reply