Travel Protection Benefits of Chase Cards

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Accidents happen. Delays occur. Baggage gets lost. The more you travel, the more you’re exposed to these kinds of risks. Conveniently, many of the travel credit cards you guys already carry offer protection against these kinds of risks.

If you’re looking to open a new travel credit card, chances are travel protection benefits won’t be your number one criteria on which you’ll call judgement. But if you travel often and on expensive trips, then it should at least be a consideration. That is why I decided it would be more beneficial for our readers to be informed about the travel protection benefits of the most popular cards with big sign up bonuses and the highest reward earning potential, as opposed to cards ranked purely by the best travel protection benefits package. Not that those two things are not mutually exclusive.

Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Travel Credit Cards.

Travel Protection Benefits Offered by Sapphire Reserve

Unless otherwise noted, if you purchased the ticket of a family member on your card (either outright, or with Ultimate Rewards or a combination of cash + Ultimate Rewards), these benefits also apply to that person.

Trip Cancellation/Interruption Insurance

If you have to cancel your trip due to illness, weather, or other qualifying circumstances, you can get up to $10,000 back to cover nonrefundable plane tickets, hotels, tours, etc.

Do you have to have paid for the trip on your card to qualify? Yes, or paid for trip with the Ultimate Rewards.

Travel Accident Insurance

For accidental death or dismemberment, or a loss of speech, sight or hearing that occurs on your trip, compensation can be up to $1,000,000.

Do you have to have paid for the trip on your card to qualify? Yes, or paid for trip with the Ultimate Rewards.

Auto Rental Collision Damage Waiver

You and any other authorized driver of the vehicle get primary coverage of up to $75,000 on theft and collision damage of rental cards in the United States as well as internationally. As it’s primary (and not secondary coverage), Chase covers all damage/theft up to $75k, not just expenses not covered by your personal car insurance. This is great because an accident won’t affect your personal insurance.

Do you have to have paid for the trip on your card to qualify?  Yes, and you must decline the rental company’s insurance.

Lost Luggage Reimbursement

If your luggage is lost, you can get up to $3,000 back per passenger.

Do you have to have paid for the trip on your card to qualify?  Yes, or paid for trip with Ultimate Rewards.

Emergency Evacuation and Transportation Coverage

If you have to be evacuated for an emergency, you can get up to $100,000 in evacuation/transportation costs covered.

Do you have to have paid for the trip on your card to qualify?  Yes, or paid for trip with Ultimate Rewards. You also must have traveled on a common carrier at some point in the trip to qualify for reimbursement (airline, bus, cruise ship or train).

Photo by Jacob Ehnmark
Photo by Jacob Ehnmark

Trip Delay Reimbursement

If a trip on a common carrier (airline, bus, cruise ship or train) is delayed more than six hours, you can get up to $500 per ticket reimbursed for non-refunded expenses like hotel and food.

Do you have to have paid for the trip on your card to qualify?  Yes, or paid for trip with Ultimate Rewards. Also, the trip can’t be in your hometown nor longer than 365 days.

Baggage Delay Insurance

For every day your baggage is delayed (must be delayed by a minimum of six hours), you can get up to $100 refunded to cover necessary items like clothing and toiletries.

Do you have to have paid for the trip on your card to qualify?  Yes, or paid for trip with Ultimate Rewards.

Photo by skeddy in NYC
Photo by skeddy in NYC

Travel Protection Benefits Offered by the Sapphire Preferred

The travel protection benefits package for the Sapphire Preferred looks almost exactly the same as that offered by the Sapphire Reserve. The only differences are:

  • Travel Accident Insurance covers up to $500,000, not $1,000,000
  • there is no Emergency Evacuation and Transportation Coverage
  • for the Trip Delay Reimbursement, the trip must be delayed more than twelve hours to get reimbursed for non-refunded expenses like hotel and food (also up to $500 per ticket like the Sapphire Reserve)

Travel Protection Benefits Offered by Ink Business Preferred

The travel protection benefits package for the Ink Business Preferred looks similar to that offered by the Sapphire Reserve. The differences are:

  • Trip Cancellation/Interruption Insurance covers up to $5,000, not $10,000
  • Travel Accident Insurance covers up to $500,000, not $1,000,000
  • As for the Auto Rental Collision Damage Waiver, when you rent for business purpsoes the coverage is primary and you can reimbursed as much as the actual cash value of the car for most cars in the United States as well as internationally… this is significantly better than the other two cards above if you’re renting luxury vehicles for work!
  • there is no Emergency Evacuation and Transportation Coverage
  • for the Trip Delay Reimbursement, the trip must be delayed more than twelve hours to get reimbursed for non-refunded expenses like hotel and food (also up to $500 per ticket like the Sapphire Reserve)

Bottom Line

From the extreme travel accident insurance that can compensate you for serious injury between $500,000 and a $1,000,000, to the simple but appreciated luggage delay reimbursement that covers $100 a day in clothes and toiletries, the Sapphire Reserve, Preferred, and Ink Business Preferred offer excellent, comprehensive travel protection coverage. You can read about the rest of their benefits in our Top 10 Travel Credit Cards List.

Sometimes cashing in on benefits, with all the receipts and forms required, isn’t as straightforward in practice. If anyone has any experience with any of the benefits listed in this post, please share them in comments.

Check out The Best Credit Card to Buy Airfare to see–purely from the perspective of category bonuses–which cards are best for buying plane tickets, award tickets, etc.

Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Travel Credit Cards.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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15 COMMENTS

  1. Chase Sapphire auto rental insurance was good for hail damage but found it it didn’t cover other car in a different claim.

  2. I’d like to know the answer to Randy’s question as well on award bookings. I know the Citi Prestige will provide insurance if you paid for the fees/taxes on an award booking, but does the Sapphire Reserve?

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