The insurance covers the cardmember as well as family members even if the cardmember isn't along on the trip - as long as you used your Chase Sapphire or your Chase Ultimate Rewards to pay for part of the trip. Travel accident insurance offers coverage in case of an accident with a common carrier or in case of accidental death, dismemberment, loss of sight, speech, or hearing on a covered trip. This includes up to $500 in coverage for jewelry and watches and up to $500 for cameras and other electronics.Ĭhase also notes that items you leave behind accidentally on a plane, cruise ship, or other common carrier are not considered lost or stolen. If your luggage is lost entirely, damaged by the carrier, or stolen, Chase also covers you and your immediate family members for up to $3,000 in losses per covered person per trip. And both the cardholder and immediate family members are covered. You can get back up to $100 per day for up to five days through your baggage delay coverage. But the coverage excludes items such as contact lenses or hearing aids. This could include the purchase of clothing, toiletries, and a single cable to charge a cell phone. If your baggage is delayed by more than six hours for a trip your purchase with your Chase Sapphire card, you'll be reimbursed by Chase for essential purchases necessitated by the delay. So if your family of three has to cancel a vacation that costs $10,000 each for a covered reason, your losses would be $30,000, but you'd be covered for the per-occurrence maximum of $20,000. The insurance provides up to $10,000 per covered trip in reimbursement when problems happen, with a maximum limit of $20,000 per occurrence, and a $40,000 total maximum payout over a 12-month period. Covered reasons for interruption or cancellation include severe weather jury duty that can't be postponed a court order or subpoena that can't be postponed or injury, sickness, or death of the cardmember, an immediate family member, or a traveling companion. If you’re a Sapphire Preferred card member, you’re covered by this insurance, and your family is protected too. If your trip must be delayed for a covered reason and you incur fees, your trip interruption insurance will cover this as well. The same goes for trip interruption insurance - if something happens either on the way to departure or after leaving and you can't continue your vacation, you may be able to recoup all or part of your travel costs. If you book some or all of your trip with the Chase Sapphire Preferred card and need to cancel it, trip cancellation insurance might cover the cost if you cancel for a covered reason. Trip cancellation or interruption insurance Below are some details about each type of coverage. You do have to make sure to follow Chase's requirements to make a claim, though, including immediately reporting your losses as soon as practical and providing proof of the damages you incurred. Coverage includes trip cancellation or interruption insurance, lost baggage insurance, travel accident insurance, and rental car insurance. With the Chase Sapphire Preferred, you can access many different kinds of insurance coverages that protect you wherever you travel. In the past, this could trigger a phone call and a freeze on your account until you confirm the spending is legitimate.Īccording to Chase, however, its system is sophisticated enough that you no longer need to file a travel notice like you may have in the past. Using your card in a different country could count as unusual spending. Most credit cards, including the Chase Sapphire Preferred card, aim to protect you against fraudulent charges by watching for unusual activity. You don't need to set up travel notifications Check out our list of top no foreign transaction fee credit cards for more options. So if you spend $5,000 abroad and have to pay a 3% fee, you'd waste $150 in unnecessary fees that you won't have to worry about if you use your Sapphire Preferred card. Many other credit cards charge a fee equal to a percentage of your purchases, commonly 3%. You won't have to pay foreign transaction feesĬhase Sapphire Preferred cardholders pay no foreign transaction fees on charges outside of the U.S.
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