Chase Sapphire Reserve® Travel Insurance Benefits Guide 2026
Key takeaways
- The Chase Sapphire Reserve® offers the most well-rounded, generous and useful travel insurance coverage of any credit card.
- Coverage includes standard benefits like trip cancellation and lost baggage reimbursement, plus rarer perks like travel accident and emergency medical coverage.*
- Filing a claim is relatively straightforward through chasecardbenefits.com, and benefits are managed by reputable insurers.
Travel creates unforgettable experiences and offers a chance to relax and have fun, but getting there can sometimes be stressful, with unexpected issues like flight delays or lost luggage. And while you hope to enjoy your trip worry-free, unforeseen medical emergencies can occur, too.
When these things happen, you might wonder if you’re properly protected. If you’re a Chase Sapphire Reserve® cardholder, you can check that worry at the door, thanks to its excellent travel insurance coverage.
Chase Sapphire Reserve® travel insurance benefits
| Benefit | Coverage amount |
|---|---|
| Rental car insurance | Up to $75,000 |
| Trip cancellation/interruption | Up to $10,000 per person or $20,000 per trip |
| Trip delay reimbursement | Up to $500 per ticket |
| Lost luggage reimbursement | Up to $3,000 per person |
| Baggage delay insurance | Up to $100 per day for five days |
| Roadside assistance | Up to $50 per incident, four times per year |
| Emergency evacuation and transportation | Up to $100,000 |
| Emergency medical and dental | Up to $2,500 |
| Travel accident insurance | Up to $1,000,000 for Common Carrier Travel Accident Insurance |
| Travel and emergency assistance | Legal and medical referrals and other third-party assistance |
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Rental car insurance
Quick takeaway Coverage amounts Up to $75,000 in primary coverage What it covers Theft, damage, valid loss-of-use charges imposed and substantiated by the rental agency, administrative fees and reasonable and customary towing charges to the nearest qualified repair facility for rental periods of up to 31 days. Important exclusions Antique cars, vehicles over 20 years old or that have not been manufactured for 10 years or more, cargo vans, trucks (other than pickups), motorcycles, mopeds, motorbikes, limousines, vehicles that are rented with a driver, recreational vehicles and passenger vans with more than nine people including the driver. How does this benefit stack up? Unlike many travel credit cards that only offer secondary rental car coverage, the Chase Sapphire Reserve® offers primary coverage, making it our top credit card for rental car insurance. Simply decline the rental agency’s collision coverage and charge the full rental cost to your card. With coverage up to $75,000, it covers most potential damages.
→ Learn more about credit card rental car insurance and how it works.
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Trip cancellation/interruption insurance
Quick takeaway Coverage amounts Up to $10,000 per covered traveler or $20,000 per trip for all covered travelers (up to $40,000 per 12-month period per account) What it covers Nonrefundable, prepaid travel expenses for a trip that is canceled or interrupted due to sickness, accidental injury, loss of life, quarantine, a transportation strike, severe weather, terrorist actions, jury duty or court subpoena that can't be postponed or waived, a change in military orders, burglary or severe damage to a traveler's home and uninhabitable accommodations. When you’re covered For trip cancellation, coverage begins on the date you make the initial trip deposit or booking and ends at the time of departure on the scheduled departure date.
For trip interruption, coverage starts on the trip departure date and ends on the return date, with adjustments made automatically if either is delayed or changed due to circumstances beyond the traveler's or provider's control.Important exclusions Change in plans or financial circumstances, preexisting conditions, voluntary surrender of unused vouchers, tickets, credits, coupons or travel privileges, travel scheduled after the 26th week of pregnancy, trip booked while on the waiting list for a medical treatment, travel for a medical procedure, civil unrest, failure to obtain necessary documentation, commission or attempted commission of illegal acts, self harm, under the influence of illegal substances, border closures, a declared or undeclared war and any event or incident that occurred prior to the trip being booked. How does this benefit stack up? Chase Sapphire Reserve® travel cancellation insurance comes with fairly standard exclusions, but coverage amounts are generous compared to other premium travel cards. For example, with the American Express Platinum Card®, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.1→ What do I do if I need to cancel my trip because of financial reasons? According to a LendingTree survey, economic uncertainty has caused 35% of Americans to cancel or postpone a trip in the past year. But the Chase Sapphire Reserve® doesn’t cover trip cancellations due to financial hardship. Instead, consider adjusting your plans by shortening your trip, changing travel dates or switching hotels or flights.
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Trip delay reimbursement
Quick takeaway Coverage amounts Up to $500 per covered traveler per trip What it covers Reasonable expenses, such as meals, lodging, toiletries and medication incurred due to a trip delay that is either overnight or more than six hours. Important exclusions This benefit does not apply for covered hazards that were made public before departure of your trip, or for any prepaid expenses related to a covered trip, such as tours or prepaid hotel stays. How does this benefit stack up? Chase Sapphire Reserve® travel delay insurance provides up to $500 per ticket in trip delay reimbursement if your travel is delayed by more than six hours. This coverage is fairly standard among travel credit cards, though some, like the Chase Sapphire Preferred® Card, require a longer delay of 12 hours to qualify. -
Lost luggage reimbursement
Quick takeaway Coverage amounts Up to $3,000 per covered traveler per trip with sub-limits of up to $500 for jewelry and watches and up to $500 for cameras and other electronic equipment What it covers Checked or carry-on luggage and/or personal property contained within that's damaged, lost or stolen. Important exclusions Items that have been removed from carry-on baggage and left behind, documents, valuable papers, money, securities, tickets, checks and furs How does this benefit stack up? The coverage amount is in line with competing cards that offer this benefit, although many credit cards don’t offer luggage reimbursement at all.
Note that you must first use up any other coverage you have access to, like the airline’s reimbursement policy and outside travel insurance.
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Baggage delay insurance
Quick takeaway Coverage amounts Up to $100 per day for up to five days for delays over six hours What it covers Essential items such as toiletries, change of clothes and chargers for electronic devices (limit one per device). Coverage is secondary to other insurance and forms of reimbursement. Important exclusions Hearing aids, artificial teeth, dentures or prosthetic devices, jewelry, watches, cameras, video recorders, recreational equipment, tickets, valuable documents, money, securities, checks and losses resulting from war. How does this benefit stack up? Many of the top travel cards, like the Capital One Venture X Rewards Credit Card, don’t include delayed baggage reimbursement as a benefit. Even among cards that do offer it, coverage often doesn’t extend to five days. For example, The New United Club℠ Card only provides up to three days of coverage. -
Roadside assistance
Quick takeaway Coverage amounts Up to $50 per incident, four times per year What it covers Towing, tire changing, battery assistance, lockout service, fuel delivery and standard winching. Only one service event of the same type is allowed per seven-day period. Important exclusions Commercial vehicles and vehicles with carrying capacity of more than 2,000 pounds are not eligible for coverage. How does this benefit stack up? While most Chase credit cards include roadside assistance as a pay-per-use service, the Chase Sapphire Reserve® offers it at no additional cost.
This benefit is available 24 hours per day, seven days per week in the U.S. and Canada by calling 1-866-860-7978.
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Emergency evacuation and transportation
Quick takeaway Coverage amounts Up to $100,000 What it covers Transportation from the place where the covered traveler becomes sick or injured to the nearest hospital, transportation to the covered traveler's primary residence, related medical services and supplies, transportation to the covered traveler’s bedside (if hospitalized more than eight days), transportation of accompanying minors, transportation of remains up to $1,000. Important exclusions If the service provider didn’t authorize the emergency evacuation or transportation, trips lasting longer than 60 days or less than five days, trips in excess of 100 miles from the primary residence, trips booked for medical treatment, trips that aren’t medically necessary, medical care rendered outside of a hospital or by non-physicians, non-commercial air travel, intentional injuries and injuries sustained due to war, military duties, civic unrest or illegal activities and more. How does this benefit stack up? This benefit isn’t offered by many credit cards. If you’re severely injured or fall ill while traveling, you might require emergency evacuation services to a medical facility. This can easily cost $25,000 or more, depending on the location and circumstances, so emergency evacuation coverage can be a financial lifesaver. -
Emergency medical and dental
Quick takeaway Coverage amounts Up to $2,500 (subject to a $50 deductible) What it covers Services of a legally qualified physician, surgeon, graduate nurse, dentist or osteopath, hospital/operating room charges, anesthetics, X-ray examinations or treatments, laboratory tests, ambulance services, medication and therapeutic services and related supplies. Coverage is secondary to other insurance and forms of reimbursement. Important exclusions Travel for the purpose of obtaining medical treatment, non-emergency services, supplies or charges, services, supplies or charges rendered by a covered traveler or their family member, care not performed by a qualified medical professional, care not deemed medically necessary, experimental care, care covered by workers compensation or government agency, care you don’t have legal obligation to pay for, care received in countries that are deemed unsafe for travel by the U.S. government, care for intentional injuries and care for injuries related to war, military duties, civic unrest, illegal activities, routine care, non-commercial air travel and certain recreational activities, such as scuba diving, rock climbing, hang gliding and parachuting and more. How does this benefit stack up? While the Chase Sapphire Reserve® medical and dental coverage of up to $2,500 (with a $50 deductible) isn’t enough to cover many potential medical emergencies, it’s still generous considering most cards (including premium cards) don’t offer this benefit at all.
You’ll also get $75 per day for a hotel for up to five days if a physician deems it necessary for you to stay and recover.
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Travel accident insurance
Quick takeaway Coverage amounts Up to $1,000,000 for Common Carrier Travel Accident InsuranceUp to $100,000 for 24-hour travel accident insurance What it covers Covered loss, including accidental loss of life, limb, sight, speech or hearing. Important exclusions Training as a pilot or crew member, emotional trauma, illness, disease, infection, pregnancy, self-harm, illegal activity, occurrence while incarcerated, certain high-risk sports or recreational activities, war, motorized vehicle race, commuting for employment, professional sporting activity where a salary or prize money is received, rocket propelled or rocket-launched aircraft and more. How does this benefit stack up? The Chase Sapphire Reserve® offers the highest coverage amount among credit cards that offer travel accident insurance. The Chase Sapphire Preferred® Card and The New United Club℠ Card offer travel accident insurance but have a lower payout on the common carrier policy at up to $500,000.
The Chase Sapphire Reserve® offers two types of travel accident insurance: Common Carrier Travel Accident Insurance and 24-hour Travel Accident Insurance. However, you can’t receive a payment from both for the same event.
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Travel and emergency assistance
Quick takeaway Coverage amounts Not applicable What it covers Emergency message service, medical and legal referral assistance, emergency transportation assistance, emergency ticket replacement, lost luggage locator, emergency translation service, prescription assistance, valuable document delivery and pre-trip assistance. Important exclusions You’re responsible for the cost of emergency services obtained. How does this benefit stack up? Many cards offer this travel and emergency assistance service, including no-annual-fee credit cards, like the Chase Freedom Unlimited® and Chase Freedom Flex®.
How to file a Chase Sapphire Reserve® travel insurance claim
1. Start a new claim with Chase's claims center.
Visit chasecardbenefits.com, call 1-800-350-1697 or call collect internationally at 1-804-281-5772 to get started. You can call to file a claim 24/7, 365 days a year. To file a new claim online, you’ll need to verify your card and register by providing basic information like your card details, address, email, phone number and a password. Once registered, you can select “file a claim,” select which benefit you want to file a claim with and choose the date associated with the loss and type of loss.
Note: Emergency evacuation and transportation insurance is authorized and arranged by the service provider in advance for the covered traveler.
2. Gather and upload the required documents.
The exact documents you’ll need for your claim vary depending on the benefit you’re filing for. Here’s what you’ll need for different types of insurance claims:
At the time of theft or damage, or when you return the rental car, request the following from your rental car company:
- Copy of the accident report form
- Copy of the initial and final auto rental agreements (front and back)
- Copy of the repair estimate and itemized repair bill
- Two photographs of the damaged vehicle, if available
- Police report, if filed
- Copy of the demand letter indicating the costs you’re responsible for and any amounts that have been paid toward the claim
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- Any other documentation deemed necessary to substantiate the claim
- Travel itinerary
- Documentation confirming the reason for trip cancellation or interruption, like medical documents or a death certificate
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- Copies of the cancellation or refund policies of the providers involved in the trip
- Proof of covered travel expenses incurred due to a trip interruption
- Any unused vouchers, tickets or coupons
- Any other documentation deemed necessary to substantiate the claim
- Travel itinerary
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- Statement from the common carrier explaining the reason for the delay
- Copies of itemized receipts for claimed expenses
- Any other documentation deemed necessary to substantiate the claim
- Travel itinerary
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- Written confirmation that the claim was filed with the common carrier
- Copy of the settlement or denial from the common carrier
- Copies of original receipts
- Copies of itemized receipts for the purchase of replacement items
- Any other documentation deemed necessary to substantiate the claim
- Travel itinerary
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- Written confirmation of the baggage delay from the common carrier
- Copy of the settlement or denial from the common carrier
- Copies of itemized receipts for the purchase of essential items
- Any other documentation deemed necessary to substantiate the claim
- Travel itinerary
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- A copy of any settlement payment or reimbursement/denial made to a covered traveler from other collectible insurance/reimbursement, showing any amounts they may have paid towards the costs claimed or that the claim was denied
- If you have no other applicable insurance or reimbursement, a statement to that effect
- Receipts for covered medical expenses
- Any other documentation deemed necessary to substantiate the claim
- A description of the loss and supporting documentation
- Travel itinerary
- Police report confirming the claimed accident
- Credit card account statement (showing the last four digits of the account number) demonstrating that the payment for the common carrier fare was made on your card and/or with redeemable rewards
- Copy of death certificate
- Any other documentation deemed necessary to substantiate the claim
Tip: If you file your claim through chasecardbenefits.com, there’s a document upload guide that can provide you with all of the requirements based on your selected benefit. You can also find a list of all the documents you need to provide for various claims in the card’s guide to benefits.
Additionally, Chase will provide the details of which documents you should be prepared to send.
3. Confirm your claim and wait to hear back from a claims specialist.
Once you’ve submitted your Chase Sapphire Reserve® travel insurance claim, you’ll want to get confirmation that your claim has been received, since there is often a limited time window to file a claim. If you submit the claim online and don’t hear back within a few business days, it may be a good idea to follow up and confirm that no additional information is needed.
Is Chase Sapphire Reserve® travel insurance enough?
There’s no other card on the market that beats the Chase Sapphire Reserve® travel insurance in terms of what’s covered and coverage amounts. The list of travel insurance benefits offered by this card is long and includes some forms of insurance you’re unlikely to get from other cards, and coverage maximums are either in line with or above what competing cards cover.
However, for medical incidents that may arise during your trip, coverage offered with the Chase Sapphire Reserve® or any travel credit card is likely insufficient. For certain types of travelers and certain types of trips, you might want to consider getting more extensive medical coverage.
Consider the following:
- How long is your trip? Some Chase Sapphire Reserve® travel insurance benefits are only valid for trips within a certain timeframe, such as between five and 60 days.
- Do you have preexisting conditions or a higher potential for medical issues? Chase Sapphire Reserve® provides up to $2,500 in coverage for medical and dental emergencies, which is more than most other cards offer. However, there are several exclusions to be aware of. Older travelers or those with chronic health conditions may want to consider supplemental travel insurance with higher coverage limits.
- Where are you going? If you’re staying close to home, you can probably rely on the Chase Sapphire Reserve® travel insurance in conjunction with your own health insurance. But for international travel, the best travel insurance companies will offer more extensive medical coverage since your health insurance may not be valid internationally.
- Are you participating in high-risk activities? If you’re going on an outdoor adventure trip, a travel insurance policy is advisable. Chase Sapphire Reserve® travel benefits do not cover injuries related to skydiving, scuba, skin or deep-sea diving, hang gliding, parachuting, rock climbing and contests of speed.
→ See the full Chase Sapphire Reserve® Benefits Guide.
Compare Chase Sapphire Reserve® travel insurance to other travel credit cards
Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve® travel insurance
The Chase Sapphire Preferred® Card has a much lower $95 annual fee compared to the Chase Sapphire Reserve®. And while it offers fewer travel insurance benefits, the coverage it provides is still strong. Here are the key differences:
- Trip delay coverage offers reimbursement up to $500 for delays over 12 hours, while you only need a six-hour delay with the Chase Sapphire Reserve®.
- Roadside assistance is pay-per-use and doesn’t include any coverage, unlike the Chase Sapphire Reserve®.
- There’s no emergency medical/dental coverage like with the Chase Sapphire Reserve®.
- Travel accident insurance coverage is up to $500,000 versus up to $1,000,000 with the Chase Sapphire Reserve®.
→ Learn more about Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve®.
American Express Platinum Card® vs. Chase Sapphire Reserve® travel insurance
The American Express Platinum Card® is another top option for luxury travel, known for offering the most comprehensive lounge access available. Similar to the Chase Sapphire Reserve®, it provides strong travel insurance benefits with a few differences:
- Car rental insurance is secondary with this card2, whereas the Chase Sapphire Reserve® provides primary rental car coverage.
- There’s no emergency medical/dental, emergency evacuation/transportation, roadside assistance or travel accident insurance like with the Chase Sapphire Reserve®. However, the American Express Platinum Card® includes access to the Premium Global Assist® Hotline3, which offers emergency coordination and assistance services, but you may be responsible for third-party costs.
→ Learn more about Chase Sapphire Reserve® vs. American Express Platinum Card®.
Capital One Venture X Rewards Credit Card vs. Chase Sapphire Reserve® travel insurance
The Capital One Venture X Rewards Credit Card is the top choice for a travel credit card because you get the best overall value with this card for a lower $395 annual fee. Among the card’s travel perks are a wide range of travel insurance benefits, with a few differences compared to the Chase Sapphire Reserve®:
- Trip cancellation/interruption insurance only covers up to $2,000 per insured person vs. up to $10,000 per person with the Chase Sapphire Reserve®.
- There’s no baggage delay insurance, emergency medical/dental or emergency evacuation/transportation like with the Chase Sapphire Reserve®.
→ Learn more about Chase Sapphire Reserve® vs. Capital One Venture X Rewards Credit Card vs. American Express Platinum Card®.
Frequently asked questions
Yes, the Chase Sapphire Reserve® extends most travel insurance benefits to immediate family members.
Chase Sapphire Reserve® travel insurance is among the best offered by any credit card, with comprehensive coverage for trip cancellations, delays, lost baggage, medical emergencies and rental cars. It includes high coverage limits, primary rental car insurance and extends protection to immediate family members at no additional cost when you use the card for travel purchases.
No, you’re automatically covered when you pay for travel with your Chase Sapphire Reserve® or Chase Ultimate Rewards® points.
The claim process timeline is dependent on receipt of required documents. Once the required documents are sent in, you can expect to get a response within seven business days.
If your claim is approved, you’ll get an email to enter your banking information to receive payment, which will appear in your account within one to two business days. If you prefer to get a check in the mail, you’ll get it within three business days of the date your claim is approved.
Yes, exclusions include things like preexisting medical conditions, foreseeable events or illicit activities. Carefully review the cardholder benefits guide for full details.
2. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
3. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Chase Sapphire Reserve®, The New United Club℠ Card, Wells Fargo Autograph® Card and Chase Freedom Flex® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
