Chase Sapphire Preferred and Reserve Travel Insurance & More News

Published by
Peter Kavinsky

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I was able to visit Machu Picchu for nearly free with the points I earned from the Chase Sapphire Preferred card.

Joseph Hostetler/Insider

  • The Chase Sapphire Preferred® Card offers coverage like car rental and trip delay insurance.
  • These benefits have saved me an average of $500 per year since I opened the card.
  • If you travel even occasionally, it’s worth booking with a card with travel insurance.
  • Read Insider’s guide to the best travel rewards credit cards.

The first travel credit card I ever opened was the Chase Sapphire Preferred® Card in 2014.

Having spent years diligently reading a collection of travel websites, it was the unanimously recommended credit card for beginners in the world of award travel. Its points were easy to use, and they were valuable enough to single-handedly fulfill bucket-list travel goals of mine (like visiting Machu Picchu and flying to the other side of the world in a lie-flat airplane seat).

I’ve received many thousands of dollars in value from earning and redeeming Chase Ultimate Rewards® points. But I’ve been thoroughly astonished at how much money I’ve saved from its ongoing benefits — namely, its various travel insurances. The Chase Sapphire Reserve® is even better — though its annual fee is significantly higher.

Compare Chase Sapphire Preferred and Reserve

  • Chase Sapphire Preferred® Card

  • Chase Sapphire Reserve®

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60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

The Chase Sapphire Preferred® Card currently offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s worth $1,080, per Insider’s valuations. And while I love using those points as part of my free-travel strategy, its travel insurance is the reason I’ll never cancel it.

Here’s what you can expect from Chase Sapphire credit card travel insurance.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.


Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Show more


Regular APR

18.24% – 25.24% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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It indicates an expandable section or menu, or sometimes previous / next navigation options.

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It indicates an expandable section or menu, or sometimes previous / next navigation options.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.


Rewards

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Show more


Regular APR

19.24% – 26.24% Variable

Editor’s Rating

4.65/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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It indicates an expandable section or menu, or sometimes previous / next navigation options.

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Primary rental car insurance

Rental agency fees

When you pay for your rental car with either the Chase Sapphire Preferred or Chase Sapphire Reserve® and waive the rental agency’s collision damage waiver, you’ll automatically receive primary rental car insurance covering damage or theft. This is an excellent perk, because the rental company’s in-house insurance can easily cost $15 or more per day.

I’ve used this benefit dozens of times, and have saved more than $800 from not being required to purchase proprietary insurance at the front desk.

Damage to the rental car

During a trip to Ireland, I scraped my rental car against a cement pillar in a parking lot. The damage was minimal, though there was a bit of paint missing. I informed the rental company of the mishap, and they told me they’d assess the damages and charge my card accordingly.

A few days later, there appeared on my credit card a charge for $2,300 — exorbitant for the minimal damage done to the car. I contacted Chase, and after sending a few documents regarding the accident, they sent me a check for $2,300 to cover the bill. There were no headaches, and I had the check within a few weeks.

Trip delay insurance

The Chase Sapphire Preferred is one of the best credit cards for trip delay insurance.

This is great for anyone who routinely flies during the holidays or through airports notorious for bad weather. Airlines generally aren’t responsible for any expenses you incur because of weather-related service disruptions. That means you’ll be on the hook for food, toiletries, changes of clothes, and a hotel room if you end up in that situation.

When you reserve your flight with the Chase Sapphire Preferred, Chase will reimburse you (and immediate family traveling with you) for “reasonable expenses” such as:

  • Meals at the airport or at a restaurant
  • Rideshare expenses from the airport to a hotel
  • Hotel accommodations (nice ones, too)

To be eligible, one of the following things must have happened:

  • Your flight is delayed by more than 12 hours
  • Your delay causes you to stay overnight

You’ll be covered up to $500 per ticket. I’ve used trip delay insurance a handful of times, usually when I purchase a fare that is the last scheduled flight of the day. If my flight is delayed and I miss a connection, I’m stuck there until morning.

If your flight is delayed by 12 hours or warrants an overnight stay, you’re free to start swiping your card for free food, hotel, etc. Just file a claim and Chase will promptly refund you.

The Chase Sapphire Reserve® is even better, offering trip delay insurance that kicks in after just six hours of delay. Here’s how Sapphire Reserve trip delay insurance works.

Baggage delay insurance

When you reserve your flight with the Chase Sapphire Preferred or Chase Sapphire Reserve®, you’ll receive automatic baggage delay insurance. If your checked bag is delayed by more than six hours, you’re entitled to up to $100 per day in necessities, for up to five days.

Reasonable expenses include items like:

  • Clothing
  • Shoes
  • Toiletries
  • Phone chargers

During a trip a few years ago, my bag was lost for over a week. I received the full $500 payout from this card benefit, and purchased a new suit and dress shoes, as I was going to a conference and my formal wear was in my checked bag. All things considered, I’d say that delay was worth it to receive $500 in clothes.

Trip cancellation/interruption insurance

It’s likely that a handful of your trip expenses are nonrefundable. When you pay for any qualifying prepaid travel that you can’t cancel without losing your money, such as a hotel stay, airplane ticket, cruise, etc. with either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you’re covered for up to $10,000 per ticket. The maximum you can receive per trip is $20,000.

Lost luggage reimbursement

Both the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® have identical coverages when a “common carrier” (basically the vessel on which you’re traveling — think airline or cruise ship) loses or damages your checked or carry-on bags.

In this case, you and your immediate family traveling with you will each be covered for up to $3,000.

Travel accident insurance

Of all the travel insurance you’ll hopefully never need, travel accident insurance must be at the top of the list.

For travel accident insurance to trigger, one of the following tragedies must occur during your trip:

  • Loss of speech
  • Loss of hearing
  • Loss of at least one hand or foot
  • loss of sight in at least one eye
  • Loss of thumb and index finger of the same hand
  • Loss of life

The Chase Sapphire Preferred® Card will cover you up to $500,000, depending on which disaster(s) have occurred. The Chase Sapphire Reserve® will cover you up to $1,000,000.

Emergency medical and dental coverage

One benefit that the premium Chase Sapphire Reserve® offers that the Chase Sapphire Preferred® Card does not is medical and dental insurance. When you use the card to reserve a trip that takes place 100 miles or more from your home, you and your immediate family will be covered up to $2,500 in qualifying medical expenses.

Emergency evacuation insurance

The Chase Sapphire Reserve® can also reimburse you for transportation to a hospital to get the care you need when disaster strikes on a trip between five and 60 days in length. You can even be covered for the price of a round-trip coach flight for a friend or relative to visit you — though you must be hospitalized for more than eight days.

The maximum reimbursement you can receive from this benefit is $100,000.

Chase Sapphire travel insurance compared

Chase Sapphire travel insurance frequently asked questions (FAQ)

Both the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® offer trip cancellation and interruption insurance. You’ll also find this benefit on some small business cards, such as the Ink Business Preferred® Credit Card, as well as many cobranded credit cards, including the United Club℠ Infinite Card, The World Of Hyatt Credit Card
, and United℠ Explorer Card.

As always, cardmembers and their travel companions whose illness prevents them from traveling are covered under the trip cancellation or trip interruption protections with their credit card.  They will receive the same coverage if they’re quarantined.

If you travel with even modest frequency, you need a credit card with travel insurance. And if you’re the type of traveler that normally pays for travel insurance, Chase Sapphire cards can save you many hundreds of dollars over the course of a single year — which can easily justify the annual fee you’ll pay.

To use the travel insurance that comes with the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, all you need to do is pay for your travel with your card. If you booked your flights with airline miles, your trip will still be covered as long as you use your card to pay for the taxes and fees associated with your award flight.

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Peter Kavinsky

Peter Kavinsky is the Executive Editor at cablefreetv.org

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