The Chase Sapphire Reserve has an elite reputation for offering an extremely comprehensive set of travel and purchase protections. We built this guide to help you understand what’s covered and who’s eligible for coverage when you book travel or make purchases with your CSR. Here’s a look at the most important details for each of these benefits.
Unless otherwise stated, you and your immediately family members are eligible for these reimbursements and protections when you charge all or a portion of a common carrier fare to your card and/or redeem travel through the Ultimate Rewards program. This includes award travel as long as taxes and fees are charged to your CSR.
However, make sure to closely review the eligibility terms and requirements for each benefit, as they may change at any time. The full Benefits Guide is available here.
Car Rental Collision Damage Waiver
- Get primary coverage for car rentals when you decline the car rental company’s collision insurance and charge the full rental cost to your card.
- Covers up to $75,000 reimbursement for vehicle theft and collision damage for car rentals in the U.S. and abroad.
The key here is that insurance coverage is primary, versus many other premium cards that only offer secondary coverage. Primary coverage means that in the event of an accident, this insurance kicks in immediately. Secondary coverage would require you to file a claim with other available insurance (ie your personal policy) before the card’s coverages kick in.
Trip Delay Insurance
- For travel delays that are over 6 hours or require an overnight stay, you and your immediate family members are covered for up to $500 per ticket.
Trip Cancellation/Interruption Insurance
- If travel plans change due to sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for pre-paid, nonrefundable expenses. Total coverage caps at $40,000 per 12-month period.
Baggage Delay Insurance
- Reimburses you and your immediate family members for essential purchases like toiletries, clothing and other necessities for baggage delays over 6 hours, up to a total of $100 per day for a maximum of 5 days.
Travel Accident Insurance
- You and your immediate family members are covered with Travel Accident Insurance for up to a total of $1,000,000 when entering, exiting, or riding as a passenger on a common carrier, such as an airline, bus, train or cruise ship. This includes death and dismemberment coverage.
- Coverage is up to $100,000 for covered losses during travel while not aboard a common carrier (ie transferring to and from the airport).
The CSR also offers two emergency services. In both cases, these services are available when you purchase all or part of a covered trip using your CSR:
Emergency Medical and Dental
NOTE: Only you, the cardmember, are eligible for Emergency Medical and Dental coverage.
- Chase will reimburse up to $2,500 (subject to a $50 deductible) if you become sick or injured while traveling on a covered trip.
- Chase also reimburses hotel costs up to $75 per day for 5 days if you are hospitalized and your attending Physician determines that you should recover in a hotel immediately after release.
NOTE: Emergency Evacuation coverage applies to you, your spouse, and children under age 19 (or children under 26 who are enrolled full-time at an accredited University). Eligibility requires purchasing all or part of a covered trip using your CSR.
- If you or an immediately family member get sick or injured while traveling on a covered trip, you can be covered for medical services and transportation up to $100,000.
- Chase will also pay the cost of a round trip economy-class ticket to bring a relative or friend to your beside if you are hospitalized for more than eight days.
In addition to the above travel protections, Chase also offers three excellent purchase protections. Unfortunately, Chase no longer offers price protection, which is a benefit that has been almost completely phased out by most issuers over the last couple of years. Here is the list of current benefits:
- New purchases are covered for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per year.
- Get reimbursed for items that the store won’t take back within 90 days. You’re covered for up to $500 per item and $1,000 per year.
- Purchased products that have U.S. manufacturer’s warranties of three years or less will receive an extra year of warranty coverage.
The Chase Sapphire Reserve is undoubtedly King of major travel protections. Any time you travel, it’s extremely important to understand what travel benefits and coverages are available to you, and to be familiar with their eligibility terms. You can read our full review of the Chase Sapphire Reserve here.
While there are other credit cards that offer higher returns on airfare, there is no substitute for peace of mind should you encounter an emergency or travel hiccups. That’s why we rely heavily on our Chase Sapphire Reserve for travel purchases — especially when traveling internationally.
Do you use your Chase Sapphire Reserve for travel purchases? We’d love to hear about your experiences using any of these protections!