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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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• Chase Sapphire Preferred Card

Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2024]

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Table of Contents

Chase sapphire preferred card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, roadside dispatch, travel accident insurance, travel and emergency assistance, no foreign transaction fees, filing a claim, how coverage compares, final thoughts.

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The Chase Sapphire Preferred ® Card is a solid choice for your first travel rewards credit card. The card’s strengths include its ability to earn valuable Chase Ultimate Rewards Points on every purchase, the variety of redemption options it offers, and even its shopping benefits.

In addition to the key benefits of strong earning power and travel redemption flexibility, the Chase Sapphire Preferred card has your back with travel insurance coverage that offers peace of mind and potential savings during your journey.

If you travel frequently, chances are you’ve used a travel insurance coverage or benefit and realize the value of having this protection. It’s reasonable to expect that a travel rewards card you use to pay for your travel will have associated trip benefits. Unfortunately, credit card issuers have recently cut back on both travel and shopping benefits.

While some other cards are cutting back, the Chase Sapphire Preferred card offers prominent travel insurance coverage and benefits. Whether you currently have the card or are considering it, you’re sure to find this information useful when comparing travel rewards cards.

To put the Chase Sapphire Preferred card ‘s coverage into context, it’s important to have a little background. Below, you’ll find important card information like any welcome bonus and annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Chase Ultimate Rewards

The Chase Sapphire Preferred card shines at providing car rental insurance coverage when compared to other travel rewards cards.

Auto Rental Collision Damage Waiver

Unlike most travel rewards cards, the coverage you receive with the Chase Sapphire Preferred card is primary car insurance coverage compared to secondary, which means you do not have to file an insurance claim with your own auto insurance company first for coverage to be valid.

To activate the coverage on your card, simply reserve and pay for your rental car with the Chase Sapphire Preferred card , then decline the rental car agency’s collision damage waiver coverage.

The cardholder and any additional drivers you list on the rental agreement are covered.

Coverage You Can Expect:

• Damage to or theft of the rental car
• Loss of use charges imposed by the rental car company while the vehicle is being repaired
• Reasonable and customary towing charges

Conditions:

• Coverage is valid in most countries
• The rental period must not exceed or intend to exceed 31 consecutive days
• Coverage is primary

Exclusions:

• Exceptionally expensive, exotic, and antique vehicles are not covered
• Also excluded are open cargo bed vehicles, trucks, and recreational vehicles
• Motorcycles, mopeds, and motorbikes
• All limousines and vans that transport more than 9 people
• Losses due to off-road use of the rental vehicle
• Liability insurance coverage is not included

Bottom Line: According to the Insurance Information Institute , a car rental agency’s collision damage waiver coverage can cost $9 to $19 per day, even more depending on where you’re renting the vehicle. Having primary rental car insurance with the Chase Sapphire Preferred card could save you hundreds of dollars on a multi-week car rental. 

In addition to car rental insurance, one of the most valuable benefits to have on your travel rewards credit card is coverage when there’s a disruption during your travels.

Pay for your trip in full or in part with your Chase Sapphire Preferred card or Chase Ultimate Rewards points and receive up to $10,000 if a covered loss prevents you (or other covered persons) from traveling. The maximum benefit for each occurrence is $20,000 and $40,000 maximum per 12-month period.

Expenses covered include any non-refundable, prepaid transportation arrangements that were missed plus change fees.

The definition of who is covered for trip cancellation and trip interruption coverage is broad. The cardholder, spouse or domestic partner, and immediate family are eligible for coverage. Immediate family includes adopted or step-children, legal guardians/wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, and nieces or nephews.

The trip cannot exceed 60 days in duration and the destination must be more than 1 mile from home for coverage to be valid.

Covered events include:

• Accidental injury, loss of life, or illness experienced by the cardholder, immediate family, or traveling companion
• Severe weather
• Change of military orders
• Terrorist events or hijackings
• Jury duty or subpoena that cannot be postponed or waived
• Finding that your residence has become uninhabitable
• You have been quarantined

Hot Tip: If you pay for your immediate family’s trip with your Chase Sapphire Preferred card or Ultimate Rewards points , they are eligible for trip interruption and trip cancellation insurance coverage, even if you are not traveling with them. For more card options that come with trip cancellation insurance, check out our full guide to the best credit cards for trip cancellation and interruption insurance .

If your trip is significantly delayed, you may be stranded overnight and need to purchase necessities or incur other unexpected expenses such as lodging and additional meals.

Trip delay reimbursement pays up to $500 per ticket for covered expenses that are not paid for by the common carrier. The delay must be overnight or greater than 12 hours in duration.

When traveling on a common carrier, if your baggage is delayed more than 6 hours, you could receive up to $100 reimbursement per day , for up to 5 days, for incidentals purchased.

You can expect to be reimbursed for essential items such as:

• Cell phone charging cable (1)

Lost Luggage

If your luggage is lost or damaged, lost luggage coverage will pay to repair or replace the luggage plus the cost of personal items lost, up to $3,000 per person, per trip.

You must report the loss to the common carrier first as the Lost Luggage benefit is in excess of any payments you receive from that carrier.

If you’re stranded on the side of the road, lock your keys out of your car, or your car fails to start, you’ll find Roadside Dispatch a welcomed benefit. The coverage provides 24/7 roadside assistance that is just one call away.

Services You Can Expect:

• Changing your flat tire when you have an inflated spare
• Delivery of up to 5 gallons of fuel
• Jump starting
• Lockout service
• Standard towing up to 5 miles
• Standard winching

Service extras such as towing beyond 5 miles, the cost of a replacement key, or the cost of the actual fuel being delivered, are additional charges and the responsibility of the cardholder. However, you won’t pay more than the pre-determined flat rate fee of $69.95 for the initial service call, as it is set in advance.

It’s painful to think about something serious happening during your travels, but there are benefits available in case you’re faced with such a tragic event.

The Chase Sapphire Preferred card is one of a few cards to offer travel accident insurance . The cardholder and immediate family members are covered even if the cardholder is not traveling with the immediate family. The ticket must be paid for in full or partially with your Chase Sapphire Preferred card or Ultimate Rewards points.

Chase’s travel accident insurance is divided into 2 coverages:

• Common Carrier Travel Accident Benefit — Covers you while you are a passenger on any common carrier or at the airport, terminal, or station immediately before or after your trip.
• 24-Hour Travel Accident Benefit — Provides coverage as soon as you embark on your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, and hearing.

Coverage on the Common Carrier benefit is limited to up to $500,000 and $100,000 maximum on the 24-hour travel accident benefit. Only 1 benefit can apply per trip.

You’re just one call away from assistance or referral help anytime you need it 24/7. Calling the toll-free number when in the U.S. or the collect-call phone number on the back of your card when traveling out of the country is the fastest way to receive assistance.

In addition to you (the cardholder), your spouse or domestic partner and dependent children under 22 can also use the service.

Referral assistance is complimentary, but the cardholder is responsible for the actual goods or services provided .

• Emergency Message Service — Record and relay emergency messages to travelers
• Medical Referrals — Referral to an English-speaking medical practitioner to monitor your progress and serve as a patient liaison
• Legal Referrals — Referral to an English-speaking attorney, U.S. Consulate or embassy, and assistance with bail bond arrangements
• Emergency Transportation — Help with making arrangements for emergency transport to the nearest medical facility
• Emergency Ticket Replacement — Assistance replacing a lost ticket with your carrier
• Lost Luggage — Provides assistance filing a lost luggage claim or help with replacement items
• Translation Services — Assistance with local language translation services
• Prescription and Valuable Documents Replacement — Assistance getting prescriptions filled at a local pharmacy or locating and transporting valuable documents
• Pre-trip Assistance — Includes help finding an ATM, assistance with visas, health precautions, and other pre-trip information

You don’t want to be hit with 3% fees when using your card during international travels. The Chase Sapphire Preferred card doesn’t charge foreign transaction fees,  which is thankfully true of many cards nowadays.

If you spent $4,000 abroad on a family vacation, the savings would equal $120.

It’s prudent to think about the claim process even before you embark on your journey . Should you need to make a trip interruption, trip delay, or trip cancellation claim, the process will be much easier if you have gathered the information and documentation you need during the event versus after the fact.

Contact the plan administrator as soon as possible during or after the disruption for guidance and to file a claim. You may be expected to provide any of the following when submitting a claim for a trip interruption, trip cancellation, or trip delay :

• A completed and signed claim form
• Credit card statement with the last 4 digits of the card or receipts showing you paid for the trip with an eligible card or points
• A copy of your transportation ticket and itinerary
• Medical documents or a death certificate for health-related claims
• A statement from the carrier stating why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the carrier, tour company, or travel supplier’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

The documentation needed is not requested by Chase, but by the third-party claim administrator, therefore Chase statements validating your trip purchase are necessary. Knowing this upfront allows you to store your trip receipts in advance for easy access should you need them.

Hot Tip: Prior to your trip, contact the benefits administrator for clarification of trip coverage and to inquire about any special destination information you should know. You can also be proactive by reviewing the claim process before your trip to learn about any required documentation that would be needed in case of an event.

Other Credit Cards

Travel protection and insurance vary greatly by the credit card issuer and can change periodically. In general, here’s what you can expect in the way of travel protections by major issuers:

Chase issues credit cards including the Chase Sapphire Preferred card, Chase Sapphire Reserve ® , and Ink Business Preferred ® Credit Card offer the comprehensive collection of trip protections reviewed in this article. The Chase Sapphire Reserve card additionally offers emergency medical evacuation, $2,500 in emergency medical and dental coverage, and a shorter delay for trip delay coverage.

American Express

American Express offers secondary car rental insurance versus primary coverage, accident insurance, premium roadside assistance, a Global Assist Hotline, and baggage insurance. There is also emergency medical evacuation coverage that comes with The Platinum Card ® from American Express . The issuer does not offer trip interruption, cancellation, or delay coverage .

Capital One

You’ll find secondary car rental insurance, roadside dispatch, accident insurance, lost and delayed baggage, and emergency travel assistance on some Capital One cards.

Bank of America

Bank of America travel rewards cards generally do not offer trip protection or major travel benefits.

Hot Tip: For more details, check out our guide to the best credit cards for travel insurance .

Travel Insurance Policies

Travel protections, benefits, and insurance that come complimentary on credit cards are not designed to take the place of a comprehensive travel insurance policy.

A comprehensive travel insurance policy allows you to select the type of coverage you need and the coverage limits that match your level of risk, whether you’re protecting a significant financial outlay or the potential physical risks associated with the trip. You can also purchase a travel insurance policy that can cover one specific trip or many trips over a specific time period.

With that said, by taking a few minutes to read through the trip protections offered on the Chase Sapphire Preferred card, you may find enough coverage to satisfy your trip protection requirements for your next trip. As always, you should review the card benefit coverages carefully before you travel and purchase any needed travel insurance to fill in any gaps.

Bottom Line: The Chase Sapphire Preferred card offers a high level of travel protection and insurance compared to other travel rewards credit cards. This level of coverage may be more than sufficient for your trip. 

Having travel insurance brings with it the peace of mind to enjoy your journey without worry of any significant financial expense should something go wrong.

To avoid a false sense of security, however, you’ll want to call the benefits administrator (using the number on the back of your card) to ensure you have the coverage you need.

For example, you may assume you have coverage for emergency evacuation on that mountain trek, but the Chase Sapphire Preferred card does not carry this coverage. If the protection is important to you, you’ll want to be aware (and purchase separate coverage) before you embark on your journey.

Additionally, you may want to confirm that the country in which you’re renting is one that is covered under Chase’s car rental collision damage waiver, although most are.

While the Chase Sapphire Preferred card offers some of the best travel protection and insurance benefits of any travel rewards card, these benefits are not a substitute for comprehensive travel insurance.

If you’re spending thousands on a vacation for an entire family, booking an expensive cruise, or planning a trip with several forms of transportation involved, you may want to make sure that card-provided benefits provide protection at a level with which you’re comfortable.

If not, you should purchase a comprehensive travel insurance policy.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the chase sapphire preferred card worth it.

Yes. The Chase Sapphire Preferred card offers the best travel insurance protection of any major credit card, but that is just one of the strong benefits of having the card.

First, the annual fee is lower than other travel rewards cards that offer similar benefits. Additionally, you’ll earn valuable Ultimate Rewards points which can be redeemed for 25% more value when used for travel.

You can also transfer points to airline and hotel partners, receive a statement credit, or purchase gift cards.

Finally, you’ll find shopping benefits such as purchase protection and extended warranty for eligible purchased items.

Does the Chase Sapphire Preferred card have travel insurance?

The Chase Sapphire Preferred card has a long list of travel protections and insurance . You’ll find the all-important primary car rental insurance, trip interruption, trip cancellation, and trip delay insurance, which can be difficult to find on other travel rewards cards.

In addition, the card offers travel accident insurance, lost and delayed baggage coverage, roadside assistance, and travel and emergency assistance.

Does the Chase Sapphire Preferred card have lounge access?

The Chase Sapphire Preferred card does not come with a complimentary lounge access benefit.

However, the Chase Sapphire Reserve card offers complimentary Priority Pass Select membership which affords the cardholder access to over 1,300 worldwide lounge properties.

If the Chase Sapphire Preferred card better than the Chase Sapphire Reserve card?

Both cards offer a comprehensive collection of travel protections and benefits.

However, the Chase Sapphire Reserve card is a premium travel rewards card that comes with premium travel rewards benefits including complimentary worldwide lounge access, travel statement credits, elevated earnings on travel and dining, and 50% more value when redeeming Ultimate Rewards points for travel.

The Chase Sapphire Reserve card also comes with a much higher annual fee than the Chase Sapphire Preferred card.

A good strategy, if you’re just starting out, is to start with the Chase Sapphire Preferred card with its lower annual fee.

If you then want more travel benefits, are comfortable paying a higher annual fee, and can utilize the travel benefits that come with the Chase Sapphire Reserve card, it can be your subsequent move.

Does the Chase Sapphire Preferred card cover the Global Entry fee?

No. The Chase Sapphire Preferred card does not offer reimbursement for the Global Entry application or renewal fee.

Do the Chase travel benefits cover my trip if I use Ultimate Rewards points to pay?

Yes. You can purchase your trip in part or in full with your Chase Sapphire Preferred card, Ultimate Rewards points, or a combination of the two, and trip protections and benefits will still apply.

Be sure to check the benefits guide for details.

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Chase sapphire travel insurance: what it covers and how to use it.

Chase Sapphire cards provide protection for trip cancellations, trip delays, lost luggage, and more. Here’s your guide to everything this insurance does for you.

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

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Whether you're traveling domestically or abroad, going on a trip is an exciting way to see the world. But it can also be expensive, and the last thing you want is to end up losing your money if something goes wrong with your planned vacation.

The good news is, if you pay for your trip with your Chase Sapphire Preferred ® Card or Chase Sapphire Reserve ® , you should have coverage if your trip is cancelled or delayed or if you experience certain other losses along the way.

There are details you need to be aware of to take advantage of Chase Sapphire travel insurance, though, so it's important to read the fine print to make certain you're able to use this important cardholder benefit if something goes wrong. This complete guide to Chase Sapphire insurance will help you understand what you need to know.

What is travel insurance?

Quick look: chase sapphire travel insurance.

• Chase Sapphire Preferred travel insurance
• Chase Sapphire Reserve travel insurance

How to file a claim with Chase

Faqs about chase sapphire travel insurance, bottom line on chase travel insurance.

Travel insurance broadly refers to insurance that provides reimbursement when you suffer losses in conjunction with a trip. But lots of different things could go wrong when you’re traveling, so there are different kinds of insurance that cover different major and minor calamities. Although you can buy travel insurance through an agency or insurance company, many travel credit cards come with different types of travel insurance as an included benefit.

Some of the different types of travel insurance you may want when traveling include:

• Travel delay insurance : This covers you when your common carrier (cruise line, airline, tour operator, etc.) is delayed and you get stuck somewhere for a long time or you have to stay somewhere unexpected overnight.
• Trip cancellation insurance: If your trip is cancelled for a covered reason, such as severe weather, this insurance provides you reimbursement for non-refundable expenses.
• Baggage delay insurance: If your bags are delayed for a long time, this insurance covers costs you'll incur for essential purchases such as clean clothing and toiletries.
• Lost luggage insurance: If your baggage never shows up at all, you can get reimbursed for your lost luggage and the stuff inside it.
• Car rental insurance: Car rental insurance can cover you if your rental vehicle is lost, stolen, or damaged
• Roadside assistance: If you get stuck on the road, roadside assistance can come to your rescue and provide a tow, tire change, or other help.
• Travel accident insurance: If you get into an accident or die while on a trip, travel accident insurance can provide a payout to you or your loved ones.

Chase offers some of these insurance benefits, but there are differences in coverage when you compare the Sapphire Preferred vs. the Sapphire Reserve . This could impact which card you use to make a travel-related purchase or which card you apply for to begin with.

The table below shows some of the details about the travel insurance benefits on the Chase Sapphire Preferred and the Chase Sapphire Reserve cards.

Each of these different kinds of coverage come with limitations, restrictions, and qualifications that are important to be aware of if you're relying on the protections Chase is offering. Let's look at each type of coverage on each card in a little more detail.

Chase Sapphire Preferred ® Card travel insurance

While the benefits of the Chase Sapphire Preferred cover a number of different aspects, the travel benefits are a big draw for most cardholders. Here's what you need to know about using your travel insurance benefits available on the Chase Sapphire Preferred card.

Trip delay reimbursement

This provides coverage for the cardholder, the cardholder's spouse or domestic partner, and the cardholder's dependent children ages 22 and under when the trip is paid for with the Chase card. This coverage applies if your trip is delayed more than 12 hours or an overnight stay is required due to a delay.

Coverage is limited to one delay per covered trip and delays are covered only if they are caused by a common carrier and are in a city away from the cardholder's home. The maximum of $500 in benefits can be spent on reasonable expenses for meals, lodging, toiletries, medication, and other personal items. To be considered for reimbursement, the cardmember must notify Chase within 60 days of the delay.

Trip cancellation insurance

Cancellation insurance covers the cardholder and immediate family members if a trip is interrupted on the way to the point of departure or after you've left. It also provides coverage if a trip has to be postponed for a covered reason and fees are incurred due to rescheduling.

Covered losses include severe weather; terrorist actions; jury duty; court subpoenas; or accidental bodily injury, death, or sickness of the cardholder, immediate family, or a traveling companion. The cardholder doesn't need to be traveling with family for them to be covered, but the trip must be paid for by the Chase card.

The benefit is limited to $10,000 per covered trip and $20,000 per occurrence and benefits paid can't exceed $40,000 over 12 months. So if a family of five goes on a $30,000 trip, the maximum coverage is still $20,000 even though each individual family member would theoretically be entitled to $10,000 in reimbursement.

The coverage is secondary to other travel insurance or reimbursement from others, so if your cruise line or travel insurance policy offers any reimbursement, you have to go through them first.

Baggage delay insurance

The cardholder, spouse or domestic partner, and immediate family members are covered if a common carrier delays luggage for six or more hours. This coverage provides up to $100 per day for a maximum of five days to pay for essentials such as clothes, toiletries, and one cell phone charging cable.

This insurance is secondary to other reimbursement or travel insurance coverage, so claims have to be made with those other providers first. To get reimbursement from Chase, you have to file your claim within 20 days of the delay.

Lost luggage insurance

Checked and carry-on baggage are both covered, along with personal property in your suitcases or bags. The cardholder and immediate family members are covered, even if the cardholder isn't traveling with the family members.

The insurance provides up to $3,000 per insured person on each covered trip; however, coverage for jewelry, watches, and electronics is limited to $500 per person and there's no coverage for loss of money or travelers checks or for losses resulting from a war.

Claims have to be made within 20 days of the occurrence and the loss must have been reported to the carrier in a timely manner. Coverage is secondary, which means you have to try to get reimbursed by any other primary travel insurance or by the occupancy provider (hotel, etc.) or common carrier first.

Car rental insurance

The Chase cardholder and additional drivers on the rental agreement are covered by this policy, which provides reimbursement for collision or theft for rental vehicles in the U.S. and abroad. Coverage is secondary in your own country when renting for personal reasons, so you have to make a claim on your other auto insurance first. This isn't required if you're renting abroad.

You're covered for up to the actual value of the rental car, but won't be covered if you're renting the car for more than 31 consecutive days. Chase also excludes expensive, exotic, and antique automobiles as well as trucks, recreational vehicles, and large vans.

Travel accident insurance

If you pay with your Chase card, you're covered for $500,000 in benefits for loss of life if you have an accident while on a common carrier. You'll also get a payout for dismemberment or a loss of speech, sight, and hearing. The amount you get will depend on your injuries. If you have an accident at any other time, your maximum coverage is $100,000 for loss of life and you get partial compensation for dismemberment up to $100,000, depending on what injuries you sustained.

The cardholder and immediate family members are covered even if the cardholder isn't traveling with them as long as the cardholder files a written claim within 20 days of the incident. But if multiple eligible people are hurt, coverage can't exceed twice the applicable benefit amount ($500,000 or $100,000) and the total amount will be divided up among the eligible injured people.

Emotional distress is not covered, nor are injuries or deaths sustained in the commission of illegal acts or when car racing, parachute jumping, or participating in sports activities where potential prizes are at stake.

Bottom line on Chase Sapphire Preferred travel insurance

The Chase Sapphire Preferred provides similar travel insurance benefits to the Sapphire Reserve, which we’ll discuss in detail next. But with the Sapphire Preferred, your trip delay insurance doesn't kick in until 12 hours have passed instead of six with the Reserve and your travel accident insurance offers $500,000 in coverage instead of $1 million. You also won't get roadside assistance, though you can use roadside dispatch if you pay for it.

On the plus side, the Chase Sapphire Preferred card comes with a much lower annual fee ($95) than the Sapphire Reserve ($550). The Sapphire Preferred card also offers plenty of other travel-related benefits, including 5X points on travel purchased through Chase Travel℠,  2X bonus points on other travel purchases, and a 25% points bonus when you redeem your rewards for travel through the Chase Travel℠ portal .

Overall, the Chase Sapphire Preferred is a great choice for frequent jetsetters who want to be protected in case of a problem on their trip.

Chase Sapphire Reserve ® travel insurance

The benefits of the Chase Sapphire Reserve are plentiful, and there’s no shortage of travel-related perks with this card. Here's what you need to know about using the travel insurance benefits you're provided with as a Chase Sapphire Reserve cardholder.

When your common carrier delays your trip for six or more hours or a delay requires an overnight stay, you'll get up to $500 in coverage per purchased ticket. Cardholders, their spouses or domestic partners, and dependent children under age 22 are all covered.

However, coverage is limited to one covered hazard per trip, and you won't be covered for prepaid expenses or for covered hazard delays you knew about before departing. You have just 60 days to provide notice after a covered delay and you'll be reimbursed for reasonable additional expenses only.

This coverage kicks in if you can't go on your trip before it starts due to a covered loss. The cardholder and immediate family are covered even if the cardholder doesn't go along on the trip with family.

The maximum payout is $10,000 for each covered trip and $20,000 for each covered incident, with an aggregate maximum payout of $40,000 over a 12-month period. This means if a three-person family goes on a trip that costs $10,000 each, they would be entitled to a maximum payment of $20,000 if the trip is cancelled for all of them for a covered reason, even though they'd be out $10,000 that wasn't reimbursed.

Claims have to be made within 20 days after the occurrence that causes the trip cancellation, and there must have been a covered reason for cancelling such as severe weather; jury duty or a subpoena that can't be postponed; or accidental injury or death of the cardmember, an immediate family member, or a traveling companion. Coverage is secondary to other travel insurance or reimbursement from the common carrier or occupancy provider.

The cardholder, spouse or domestic partner, and immediate family members get up to $100 per day in coverage when a common carrier delays a bag for more than six hours. This $100 can be used to purchase one cell phone charging cable, clothing, toiletries, and other essential personal care items.

The cardholder has to file a claim within 20 days of the loss and reimbursement from Chase comes only after exhausting other travel insurance or seeking funds from the common carrier.

The cardholder and immediate family can be reimbursed up to $3,000 per person per trip for checked bags or carry-ons that are lost by a common carrier. Claims have to be made on other travel insurance policies or with the carrier first, though, and coverage is limited to $500 per person per covered trip for jewelry, watches, and electronics.

The cardholder has to report the loss right away to the common carrier and to Chase within 20 days and no coverage is provided for travelers checks, money or security, or losses resulting from war.

This provides reimbursement for up to $75,000 in losses for the cardholder and additional drivers if a rental vehicle is in an accident or stolen. The reservation for the car rental can't exceed 31 consecutive days, and expensive or antique vehicles are excluded.

The insurance coverage is primary, so there's no need to file a claim with other insurance first, but the entire rental transaction has to be completed with Chase and you have to decline the rental company’s auto rental collision damage waiver or loss damage waiver.

Roadside assistance

The cardholder and anyone driving a vehicle the cardholder owns or leases is eligible for roadside assistance 24/7. Coverage includes battery charges, flat tire changes, fuel delivery, help if you're locked out, and towing.

You're covered for a maximum of $50 per service event and get a maximum of four service events annually. If you're in an off-road area or in a place not regularly traveled, you won't be covered.

The cardholder and immediate family members get up to $1 million in coverage for accidents on a common carrier and $100,000 in coverage for other types of accidents on a trip. The $1 million is reserved for loss of life but a partial payout is available for dismemberment, loss of speech, loss of sight, or loss of hearing. The specific amount you'll receive depends on the nature of your injuries.

Chase doesn't provide payments for emotional trauma; dismemberment or death during a war; if you're hurt or killed during an illegal act or while on an aircraft not certified by or registered with the government; or if you get hurt racing cars, parachute jumping, or participating in competitive sports.

Bottom line on Chase Sapphire Reserve travel insurance

If you want coverage for shorter trip delays, need roadside assistance or want more travel accident insurance coverage, the Chase Sapphire Reserve is the ideal card for you.

The Sapphire Reserve also has a $550 annual fee, though. While you’ll earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases, and you’ll also enjoy a 50% redemption bonus when you redeem your Chase Ultimate Rewards through the Chase travel portal, you'll want to make sure other cardholder perks — such as a $300 annual travel credit and statement credit for TSA PreCheck or Global Entry application fees — make this card worth your while.

If you’re a regular traveler wanting to take advantage of the travel insurance protections this card offers, then the Chase Sapphire Reserve might be the best travel credit card to have in your wallet.

If you believe you have a valid claim under Chase's travel insurance, call 800-356-8955 to request a claim form. You can also submit a claim online at eclaimsonline.com .

To file your claim:

• Start by selecting the type of claim you wish to file
• Provide your personal details including your contact information
• Input details about your claim, including the type of loss you endured and the amount of financial damage you're seeking reimbursement for
• Be prepared to upload documentation such as receipts from expenses incurred; a statement from your common carrier detailing your delay or its refund or cancellation policy; a copy of your original tickets or receipts; and, if necessary, proof you filed a claim for reimbursement from your common carrier, auto insurer, or travel insurer
• Confirm the details and submit your claim

Chase may contact you to request that you provide additional details or documentation to support your claim.

Does Chase Sapphire cover missed flights?

Chase provides reimbursement for its list of covered losses only. Although you could potentially get some airfare costs covered if your airline delays your flight long enough that you miss your connection, you won't be covered by Chase if you simply get to the airport late and miss your flight.

Does Chase Sapphire travel insurance cover jury duty?

According to Chase, jury duty is a covered reason for cancelling your trip. So, your trip cancellation or trip interruption insurance provided by Chase should protect you from losses in the event that you are called to jury duty.

Does Chase travel insurance cover my immediate family members?

Chase travel insurance covers the cardholder as well as immediate family members such as spouses and dependent children, even if the cardholder isn't traveling with them.

What happens to my Chase Ultimate Rewards when I cancel a trip?

When you book travel through the Chase Travel℠ portal, it's just like booking through a travel agent. Your ability to cancel and get your travel rewards refunded depends on the policies of the hotel or airline you book with. But if you cancel for a reason covered by Chase, then your trip cancellation insurance will kick in and your Ultimate Rewards points will be refunded.

If you are a frequent traveler, both the Chase Sapphire Preferred and Chase Sapphire Reserve offer you important protections, whether you're renting a car or taking a train, bus, cruise, or plane. You’ll also have some protections even if you can't go on your trip at all because it's cancelled or delayed.

Although the travel insurance benefits differ slightly on each card, both can earn you valuable travel rewards, charge you no foreign transaction fees, and provide travel protections for many of the losses you're likely to encounter when you’re off adventuring. You just need to make sure to read the fine print and have one of these valuable rewards credit cards in your wallet.

Great for Flexible Travel Rewards

Chase sapphire preferred ® card.

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Current Offer

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

• 5X points on travel purchased through Chase Travel℠
• 25% more value when redeeming rewards for travel through Chase Travel℠
• 10% anniversary point bonus each year
• $50 annual credit on hotel stays booked through Chase Travel℠
• Premium travel protection benefits
• Has annual fee
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

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Christy Rakoczy

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• Travel Credit Cards

Using Chase Trip Cancellation Coverage

Update: Some offers mentioned below are no longer available. View the current offers here .

As I mentioned on Friday, we had to cancel our planned trip to present at the Chicago Seminars at the last minute due to Baby S getting hit with her first virus and upper respiratory gunk. As with most airfare, our tickets were "non-refundable" and as such we would pretty much be out the $800+ for the three round trip tickets for my mom, my little one, and myself. There are many reasons I couldn't just fly by myself and leave the baby at home including I wouldn't be comfortable as the mom being away from my sick and not-quite-3 month old baby, but also the little stinker won't even take a bottle right now so I'm her sole food source.

Even if the money we spent on the airline tickets all went to waste, we had to stay home with Baby S so it was an easy call, but I would certainly prefer to recoup as much of that expense as possible. Thankfully I learned years ago to pay attention to which credit cards I use for airfare purchases so that I have built-in trip interruption and cancellation coverages for unexpected surprises without having to purchase separate trip insurance. This is important across the board, but when you have babies and little kids who inevitably will get numerous illness in their first few years it is virtually essential. Many Chase credit cards have similar protections, but the purposes of this post I will quote from the Chase Sapphire Preferred® Card Benefit's Guide since it is a very good all around travel credit card that I think many of us have.

Details of Chase Trip Cancellation Insurance:

With the Chase Sapphire Preferred® Card, Trip Cancellation Insurance will reimburse you or your immediate family members up to $5,000 for each covered trip if a covered loss prevents you from departing on your trip and results in cancellation of travel arrangements if you charged a "portion of the cost for the travel arrangements to your account". In this case the covered loss we are using is "Accidental Bodily Injury, Loss of Life, o r Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion." Bolding mine.

It also says that if a physician has advised that making the covered trip is medically inadvisable, you must immediately notify the appropriate travel supplier that you are cancelling your travel arrangements. If you don't notify the supplier, the company's reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

So, we used the Chase credit card to purchase the airfare, we have a sick immediate family member, and we cancelled the flights right after learning she should not fly based on her doctor's advise. Check, check, check, and so far so good. I'm still in the middle of the claim process, but I wanted to share which documents the company has requested thus far in case you are faced with a similar situation. Most of the items requested are easily obtained and pretty common sense, but there are a few curve balls in the process that I wasn't totally expecting.

Documents Needed to Utilize Trip Cancellation Coverage:

• Confirmation of the non-refundable amounts for the unused Common Carrier tickets, and/or travel vouchers;
• Confirmation that the tickets were cancelled with the Common Carrier;
• Copy of the travel itinerary showing the passenger names and ticket cost;
• Confirmation of the reason for the trip cancellation; (Completed attached physician statement, confirmation of death of immediate family member or documentation confirming any other cause of loss);
• Please complete and return the Trip Cancellation claim form attached below;
• A copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier;
• A copy of the credit card statement which shows that the purchase of the Common Carrier ticket was charged to your credit card; (We must be able to see the first six digits of the credit card number and the pre-printed accountholder name and address. However, for security purposes we suggest that you block or remove the remaining digits of your card number.).

I had taken Baby S both to urgent care and to her pediatrician in the 24 hours before making the claim because I was worried about her and wanted her checked out by a physician, but since I knew I would probably need some sort of documentation of her illness I had her pediatrician write a brief note while I was there indicating the date, the illness, and that she cannot fly in her condition. I was hoping that would be sufficient documentation, but it seems there is a specific form that the physician needs to complete. I really hope what I have will suffice as I hate to go back to the doctor's office if I don't have to, but here are the sections on the form that the physician is asked to complete.

Physician's Form for Trip Cancellation Coverage:

Date of accident, injury or illness: ____/____/____ (MM/DD/YY)

Date of first treatment or onset: ____/____/____ (MM/DD/YY)

Please describe the nature of the patient's injuries or illness:

_____________________________________________________________________________

Was this a referral from another doctor? YES / NO

If yes, date of referral: ____/____/____ (MM/DD/YY)

Was the patient hospitalized? YES / NO

If yes, please list the names and location of all hospitals and all admission/discharge dates:

Hospital Name Location Adm. Date Dis. Date

__________________________ _____________________ ___________ __________

Was the patient recommended by you to curtail their trip/travel due to this condition?

If yes, travel restriction dates advised:

____/____/____ (MM/DD/YY) to ____/____/____ (MM/DD/YY)

Did this travel restriction affect any other family members or travel companions? YES / NO

If yes, why did family member/travel companion need to curtail their travel? _____________________________________________________________________________

Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? YES / NO

If yes, please describe:__________________________________________________________

______________________________________________________________________

For pregnancy: EDC: ____________________________

If yes, at what date did patient originally begin treatment with this previous condition: ___________________________________________________________________

If yes, was the patient's previous condition stable at least 60 days prior to booking the trip? YES / NO

Please describe: _________________________________________________________

_______________________________________________________________________

Putting the Trip Cancellation Claim Together:

It will take a little time to put all this requested information together and send it back to the company, in this case a Claim Benefit Services operated by Broadspite, a Crawford Company. You can scan in the documents and upload them to a website or just mail them in the old fashioned way. I'm hopeful that all will go well and within a few weeks we will have a check for the value of the cancelled airfare since that amount is well under the covered maximum. I'll be sure to update when the process is over, or if I hit any unexpected road blocks in the process. Fingers crossed our little one is healthy in time for our next trip or we'll be working on yet another trip cancellation claim...

Have you ever used built-in trip cancellation coverage from one of your credit cards? Do you pay attention to the coverages provided by your cards when booking trips?

How much is Chase’s new travel card welcome bonus? 

About chase’s premium travel cards, how can i redeem the new 75,000-point bonus, do i qualify for the new chase welcome offer, the chase sapphire preferred’s new 75,000-point bonus could cover your next trip.

If you're interested in a premium travel credit card, act fast to earn this limited time offer.

Dashia Milden

Dashia is a staff editor for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Summer is right around the corner. And the recently elevated welcome bonus Chase is offering on its two premium travel credit cards could help fund your next vacation.

You can earn a 75,000-point welcome bonus if you open a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® and spend $4,000 within three months. 

“This is a strong bonus on an excellent card,” said Jason Steele, a credit card expert and CNET Expert Review Board member. “It’s not the highest ever, but it’s better than the standard offer on cards that should be in the wallets of anyone who wants to earn travel rewards.” 

The standard welcome bonus for these cards is 60,000 points, and we’re not sure when this offer will expire. But history tells us it won’t last long. Here’s what to know if you’re on the fence about whether either of these cards are right for you.

Starting now, if you spend $4,000 on qualifying purchases within the first three months of opening a Sapphire Preferred or Sapphire Reserve card, you’ll receive 75,000 points. That means you’ll need to spend at least $1,334 per month to earn the bonus. 

That’s a 15,000-point increase from Chase’s typical 60,000 bonus with the same spending requirement and timeframe. 

“While we’ve seen slightly higher offers on the CSP in the past, there’s never a guarantee those will return, or if they do, when that will happen,” said Mark Reese, a credit card expert and member of the CNET Money Expert Review Board . With summer vacation around the corner, this is a great opportunity to save hundreds on an upcoming trip.

To earn this bonus, you can pay your bills with your credit card to reach the bonus faster. Or you may be able to earn the bonus if you have a big purchase coming up that you already have the money set aside for, such as home renovations or travel. 

Never overspend to earn a credit card welcome bonus. If you’re not able to pay off your balance in full each month, the interest you accrue could quickly wipe out any value you earn in rewards. If you can’t comfortably spend $1,334 per month, it’s not worth trying for this bonus.

The Sapphire Preferred is already our top travel credit card pick. Beyond the welcome bonus, these two popular travel cards have some useful perks for booking a flight or taking a road trip. Have a plan in place for how you want to use the card before applying. 

“Both of these cards have excellent travel insurance and purchase protection benefits,” Steele said. “The CSR even has paid roadside assistance and emergency evacuation coverage. Both have primary automobile insurance, along with trip delay and trip cancellation coverage.”  

But there are big differences, such as the annual fee, cardholder credits and rewards rates -- which can all make a big difference in the long run. Here’s a quick look at both cards and a comparison to help you determine which one is best for you. 

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Read more: Chase Sapphire Preferred Card vs. Chase Sapphire Reserve: Which Is Better?

This boosted welcome bonus could help you earn a free flight, hotel stay or other travel accommodations just in time for an end-of-summer trip -- if you earn the bonus before the three-month period ends. 

If you redeem the rewards for travel using Chase Travel℠, you’ll redeem points at a boosted rate of 1.25 cents per point with the Sapphire Preferred and 1.5 cents per point with the Sapphire Reserve. That means it could be worth $937 to $1,125.

Beyond the Chase portal, you may also be able to redeem your points at an even higher rate with Chase’s travel partners .

You can also redeem the points toward other purchases, gift cards and statement credits but at a lesser value.  

Read more: 6 Reasons the Chase Sapphire Preferred Should Be Your Next Credit Card

Chase’s travel cards usually require good to excellent credit -- so a FICO score of 670 or higher. There are also a few other factors that would disqualify you: 

• You cannot be a current Sapphire cardholder. 
• You cannot have earned a Chase Sapphire bonus in the past two years. 
• You must not have exceeded Chase’s 5/24 rule, which means you cannot have applied for five cards within the past 24 months from any issuer. 

If you’re unsure, it’s best to call Chase’s customer service line at 1-800-432-3117 for questions and assistance.

Recommended Articles

Pairing the chase sapphire preferred card and chase freedom unlimited to level up your rewards, chase trifecta: how to use multiple credit cards to maximize your rewards, save on food, travel and more: how to maximize the chase sapphire preferred card, 5 common questions people ask me as a credit card editor.

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Chase Trip Cancellation Insurance: What to Know

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Chase offers consumers several travel rewards credit cards , most of which help you earn points for a trip and offer travel protections should your journey go differently than expected. These benefits can help give you peace of mind and reduce stress, especially if your trip gets canceled.

Many Chase cards offer travel coverage that includes trip cancellation insurance, among other protections. Let’s take a look at Chase trip cancellation insurance, which cards provide it and what this benefit covers.

What is trip cancellation insurance?

Trip cancellation insurance can reimburse your prepaid, nonrefundable expenses — such as flights, hotel reservations or a cruise — should your trip be canceled due to unforeseen circumstances, such as extreme weather, an accident or a death in the family.

Coverage begins on the date you make your initial trip deposit and ends when you depart for your trip.

» Learn more: Does my Chase credit card have travel insurance?

Chase cards that come with trip cancellation insurance

The following cards include Chase trip cancellation insurance:

» Learn more: How does credit card travel insurance work?

What does Chase trip cancellation insurance cover?

Chase travel insurance covers nonrefundable prepaid travel expenses such as flights, hotels, cruises, train tickets and tours — whether you book with a travel agency or directly with the travel provider.

The benefits kick in when one of the following reasons occurs:

Accidental bodily injury, sickness or loss of life experienced by you or an immediate family member.

Severe weather.

Named storm warning.

Change in military orders for you or your spouse.

A call to jury duty or a court subpoena.

Fire, flood or a burglary to your or your traveling companion’s residence.

The death or hospitalization of your or your travel companion’s host at the destination.

Doctor-imposed quarantine.

Organized strikes affecting public transportation.

Terrorist incidents or travel warnings related to terrorism.

» Learn more: Will credit card travel insurance cover you on your next trip?

What isn’t covered by Chase trip cancellation insurance?

Event tickets, amusement park tickets, museum entry fees and golf course expenses aren’t eligible for reimbursement unless they’re included in a prepaid travel package.

Trip cancellation benefits don’t apply to losses caused by:

A change in plans or financial circumstances.

A pre-existing medical condition.

Loss due to voluntary surrender of unused tickets, vouchers or credits.

Travel arrangements scheduled after the 26th week of pregnancy.

Being on a waitlist for a medical treatment.

Trips taken for the purpose of obtaining medical treatment.

Unwillingness to travel due to civil unrest.

Failure to obtain required visas, passports or other paperwork necessary for travel.

Commission of illegal acts.

Attempted suicide or self-inflicted injuries.

Being under the influence of drugs.

Disinclination to travel or border closures resulting from a pandemic.

Financial insolvency of the common carrier, travel agency or tour operator.

War, insurrection, rebellion or revolution (except terrorism).

» Learn more: The guide to Cancel For Any Reason (CFAR) travel insurance

Who is covered by Chase trip cancellation insurance?

As the primary cardholder, you’re covered. The trip cancellation insurance also extends to your immediate family members, including:

Parents, step-parents and/or legal guardians.

Spouses or domestic partners and their parents.

Children, including adopted children and step-children.

Grandparents and grandchildren.

Aunts and uncles.

Nieces and nephews.

Your immediate family members don’t have to be traveling with you for the benefits to apply to them as well. However, you must have used the Chase credit card that includes trip cancellation insurance to pay for their trip.

» Learn more: How to find the best travel insurance

Which trips are eligible for Chase trip cancellation insurance?

Eligible trips can’t exceed 60 consecutive travel days. If your trip is longer, the coverage is still available, but the eligible prepaid nonrefundable expenses would be reimbursed as a pro-rated sum up to the first 60 days.

You must pay for all or a portion of the trip using an eligible Chase credit card or Chase Ultimate Rewards® for it to be eligible for the trip cancellation benefits. If your canceled trip results in a future credit or voucher, it won’t be covered.

How to file a trip cancellation insurance claim with Chase

To file a Chase trip cancellation insurance claim, you must contact the benefits administrator within 20 days of the cancellation. You can do this by calling the phone number listed in your credit card’s guide to benefits. If you wish to file a claim online, you can visit www.eclaimsline.com .

You’ll have to provide the following documentation within 90 days to support your claim:

Completed and signed claim form.

Travel itinerary.

Documentation confirming the reason for trip cancellation, such as medical records or a death certificate.

Credit card account statement listing the transaction related to the trip.

Copies of the cancellation and refund policies from the travel provider.

Any unused credits or vouchers.

» Learn more: Airline travel insurance vs. your credit card’s

Chase trip cancellation insurance recapped

Holding a credit card that provides travel insurance can help put your mind at ease when unexpected problems arise.

Chase’s insurance benefits cover you and your family members against expenses incurred due to trip cancellation, among other things.

However, it’s important to know what’s covered by the policy and what isn’t. Additionally, you’ll want to keep track of all documentation related to the cancellation and submit it before the deadline to receive reimbursement.

The information related to the Chase Freedom® credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

6 reasons why the Chase Sapphire Preferred is the perfect card for the average traveler

A t TPG, we love the Chase Sapphire Preferred® Card . It was the first travel rewards credit card for many of us and remains one of the cards we can't live without .

We love that it earns versatile Chase Ultimate Rewards points and has our backs if something goes wrong while we're traveling. It's perfect for the average traveler who takes one or two big trips a year and wants travel benefits but doesn't need the extras that come with a more premium travel card.

While many of us have upgraded to the Chase Sapphire Reserve® as our travel habits have evolved, the Chase Sapphire Preferred continues to be one of the top cards we recommend to beginners and anyone looking for a solid set of travel benefits.

Here's why we consider the Sapphire Preferred the best card for the average traveler.

Low annual fee

The Chase Sapphire Preferred charges a $95 annual fee, which is far more reasonable than what you'll pay for a more premium travel card . While the trade-off is fewer perks, most average travelers won't use perks like lounge access or airline fee credits enough to warrant the higher fees that accompany them.

To fully offset the card's yearly cost, you'll need to earn at least $95 in rewards every year. TPG values Ultimate Rewards points at 2.05 cents each. With the card's bonus categories that allow you to earn 3 points per dollar on dining and 2 points per dollar on travel spending, you'll easily make up the annual fee by spending $200 per month on travel and/or dining.

You may be skeptical of annual fees if you're new to credit card rewards. But when you have a strong card with a manageable fee, such as the Chase Sapphire Preferred, it's easy to make up the difference so that you aren't actually paying anything out of pocket for the card each year.

Related: Why you'll want to pay the $95 annual fee on the Chase Sapphire Preferred

Valuable sign-up bonus

New cardholders can earn a limited-time 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening. While spending $4,000 in just three months may sound like a hard task for some budgets, there are plenty of ways you can meet the minimum spend requirement to unlock the sign-up bonus.

According to TPG valuations, that sign-up bonus is worth a whopping $1,538 in travel rewards. With 75,000 Chase Ultimate Rewards points at your disposal, this card opens up a ton of redemption options.

Related: Best ways to redeem Chase Ultimate Rewards points

Solid earning

The Chase Sapphire Preferred earns Chase Ultimate Rewards , some of the most versatile points available.

The sign-up bonus gives you a great start toward earning the points necessary for your next vacation, but it isn't the only way to earn points. You'll earn 3 points per dollar on all dining and 2 points per dollar on travel purchases.

And Chase's dining and travel categories are incredibly broad. Many issuers restrict dining purchases to just standard restaurants and maybe fast food, but Chase also includes bars, breweries, university dining halls, vending machines and even some restaurant delivery services such as DoorDash and Seamless.

The travel category is also quite generous , including typical travel purchases like hotels and airfare alongside timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

Related: How to maximize your earning with the Chase Sapphire Preferred

Great redemptions

In addition to flexibility in what earns bonus rewards, the Chase Sapphire Preferred offers flexibility in how you can redeem your points.

TPG values Chase Ultimate Rewards points at 2.05 cents each because Chase has many valuable travel partners that give you access to all three major airline alliances and three different hotel brands (IHG, Marriott and Hyatt). Chase Ultimate Rewards transfer to each of its partners at a 1:1 ratio and many of these transfers process almost instantly . Transferring your points to airline partners is instrumental to fly business or first class internationally.

The Chase Ultimate Rewards program also offers real value to average travelers through Chase Travel℠. Most people who only travel once or twice a year will not want to spend hours on end combing through potential redemptions with transfer partners. And while sites like TPG can help make that process easier by walking you through potential redemption options and publishing deal alerts when our team comes across them, most average travelers will be most comfortable booking through a portal that aggregates redemption offers across airlines and hotels.

With the Chase Sapphire Preferred, you can redeem points for 1.25 cents each when booking through the portal for travel. This redemption rate is generally a good deal if you're booking economy awards or standard room rates. Another bonus to booking airfare, especially through the portal, is that airlines consider your redemption cash, meaning your points will also cover any taxes and fees associated with your flight. And you'll earn any frequent flyer miles that you would on a standard paid flight.

While you most likely won't earn elite night credits when booking hotels through the portal, average travelers generally aren't staying with the same hotel chain often enough to hit valuable elite status tiers. This means you're not really losing out on anything by choosing to book through the portal with points rather than directly through the hotel if you happen to find a better deal through Chase.

Related: Redeeming Chase Ultimate Rewards for maximum value

Helpful travel benefits

The Chase Sapphire Preferred may not come with lounge access or hundreds of dollars in travel credits, but that doesn't mean it lacks valuable benefits.

The Chase Sapphire Preferred has some of the best travel protections of any mid-tier credit card on the market. You'll get $500 per ticket in trip delay insurance , $10,000 in trip cancellation insurance , baggage delay insurance and up to $3,000 per person in lost luggage reimbursement. The card also comes with primary rental car insurance — a rarity for any card — let alone a mid-tier card.

Sapphire Preferred cardholders also get at least one complimentary year of DashPass after enrolling, normally $96 annually, which waives delivery fees at eligible restaurants and discounts service fees on orders over $12. This benefit alone knocks out the cost of the annual fee. Must enroll by Dec. 31.

Finally, the card offers Visa Signature benefits (including access to the Visa Signature Concierge Service ) and no foreign transaction fees .

Related: Chase Sapphire Preferred benefits you might not know about

A great sibling

Most average travelers probably don't have 19 credit cards in their wallet, which means the cards you have need to make an impact. The Chase Sapphire Preferred is easily paired with Chase cash back cards to help you maximize your earning potential across spending categories — without adding hundreds of dollars in annual fees to your plate.

The Chase Freedom Flex℠ and Chase Freedom Unlimited® cash-back cards technically earn points but don't allow you to transfer your points or receive 1.25 cents per point via Chase Travel. However, you can move the points you earn from either of these cards to the Chase Sapphire Preferred to take advantage of transfer partners or the increased portal redemption rate.

The Chase Freedom Flex has rotating quarterly bonus categories that earn 5% cash back (5 points per dollar) on the first eligible $1,500 you spend each quarter you activate, while the Chase Freedom Unlimited earns 1.5% cash back (1.5 points per dollar) on all purchases. Both cards also earn 5 points per dollar on travel booked through Chase Travel and 3 points per dollar on dining at restaurants and drugstores. Neither card has an annual fee.

While earning 2 points per dollar on travel and 3 points per dollar on dining purchases with the Sapphire Preferred is great, it's even better when you can pair it with a card that earns bonus rewards on other spending categories.

Related: Chase Freedom Flex vs. Chase Freedom Unlimited

Bottom line

The points and miles world isn't just for those who travel for work or spend all of their free time on the road. With the Chase Sapphire Preferred, the average traveler can earn valuable points that can turn into flights and/or hotel stays for a much-deserved vacation. Having the Chase Sapphire Preferred is a great first step to exploring the world through award travel.

Apply here: Chase Sapphire Preferred Card with a current offer of 75,000 Ultimate Rewards points when you spend $4,000 in the first three months from account opening.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Capital One Venture Rewards Credit Card review: A top travel card with a generous welcome bonus

A travel rewards card can help you pay for your next vacation and even reduce some of the stress associated with travel. With the Capital One Venture Rewards card , you can earn valuable rewards on your purchases, plus the card offers perks like auto rental coverage and travel accident insurance.

Capital One Venture Rewards card

Annual fee : $95

Welcome offer : 75,000 bonus miles if you spend $4,000 on purchases within three months of account opening

2x miles per $1 spent

5x miles per $1 spent on hotels and rental cars booked through Capital One Travel

Recommended credit score : Good to Excellent (670 – 850)

The Capital One Venture Rewards card has an annual fee of $95.

Welcome offer

If you spend at least $4,000 on purchases within three months of account opening, you'll qualify for 75,000 bonus miles. If you redeem those miles for travel through Capital One Travel, statement credits, or gift cards, that bonus could be worth $750 — a higher-than-usual bonus value for a card with a relatively low $95 annual fee.

Related: Here are the best credit card offers currently available

Intro offer

The Venture Rewards card doesn't offer an introductory APR on purchases or balance transfers.

Rewards rate

With the Capital One Venture Rewards card , you can earn the following rewards:

Two miles per $1 spent on every purchase

Five miles per $1 spent on hotels and rental cars booked through Capital One Travel

How to earn rewards

The Capital One Venture Rewards card has a relatively simple rewards structure. You'll earn the highest rewards rate — five miles per $1 spent — on hotels and rental cars booked through Capital One Travel, but you'll earn a flat two miles per $1 spent on all other purchases.

Here is how much you could earn in rewards if you spent $5,000 with your card:

Although the value of your miles may vary based on your redemption method, 16,000 miles could be worth as much as $160.

How to redeem rewards

You can redeem your miles in the following ways:

Transfer miles to loyalty programs: You can transfer your miles to one of Capital One's 15 loyalty program partners, such as British Airways Avios, Emirates Skywards, or Air Canada Aeroplan.

Redeem for gift cards: Redeem your miles for gift cards to major retailers and merchants.

Capital One Travel: You can redeem your miles for flights, hotel reservations, and car rentals through Capital One Travel.

Cash: Redeem your miles for statement credits, or request a check.

Amazon.com: You can also use your miles to pay for some or all of your purchase through Amazon.com.

PayPal: Through PayPal, you can redeem your miles at checkout on purchases from major retailers.

In general, your miles are worth one cent each, but certain redemption methods, such as redeeming your miles at checkout with certain retailers, may give you less value.

Additional benefits

There are several added benefits you can take advantage of with your Capital One Venture Rewards card:

Hertz Five Star Status: As a card member, you qualify for Hertz Five Star Status. You can skip the rental counter, and you can choose from a wider selection of car thanks to your status.

Fee credit for TSA PreCheck and Global Entry: Receive a $100 statement credit to cover some of your fees for TSA PreCheck or Global Entry.

Auto rental damage collision waiver: If you turn down the rental car company's coverage and use the Venture Rewards card to cover the cost of your reservation, you're automatically covered against theft or damages.

Travel accident insurance: Purchase your fare with your card, and you will be covered by accident insurance at no added cost.

Who is the Capital One Venture Rewards card best for?

If you love to travel, but want to avoid the hassle of keeping track of bonus spending categories or different rewards rates, the Capital One Venture Rewards card may be for you. You'll earn a higher rewards rate on hotels and rental cars booked through Capital One Travel, and a simple, flat rewards rate on all other purchases.

Capital One Venture Rewards card pros

No foreign transaction fees: The card doesn't charge foreign transaction fees , so you can use it for purchases outside the U.S. without incurring added fees.

Simple rewards structure: Instead of a complex rewards structure, you'll earn a flat two miles per $1 spent on every purchase.

Generous new cardmember bonus: For a card with a fairly low annual fee of $95, the new cardmember offer is surprisingly generous. You can earn 75,000 miles if you spend $4,000 within three months of opening an account — a $750 value.

Capital One Venture Rewards cons

Limited travel benefits: Although the card has some travel benefits, it lacks common coverages like travel interruption/cancellation insurance or baggage delay reimbursement.

No promotional APR on purchases: The card doesn't offer a promotional APR on purchases or balance transfers. However, there are other cards with generous introductory APRs, which allow you to pay off your dream vacation without worrying about interest charges.

How to make a Capital One Venture Rewards payment

You can make a credit card payment online, through the Capital One mobile app, or by sending a check through the mail:

Phone: 1-800-227-4825

Capital One

Attn: Payment Processing

PO Box 71083

Charlotte, NC 28272-1083

Capital One Venture Rewards card customer service info

Customer service availability info:

Monday through Sunday: 8:00 a.m. to 11:00 p.m. EST

Phone number: 1-877-383-4802

Capital One Venture Rewards login page

Alternative cards to consider

If the Capital One Venture Rewards card isn't right for you, consider these alternative travel rewards cards:

Southwest Rapid Rewards® Plus Credit Card

Why we like it : The Southwest Rapid Rewards Plus card has a lower annual fee than the Capital One Venture Rewards card, and it includes some perks that the Venture Rewards card doesn't. With this card, you can take advantage of lost luggage reimbursement, baggage delay insurance, and two free EarlyBird check-ins each year.

Recommended credit score: Good to Excellent (670 – 850)

Chase Sapphire Preferred® Card

Why we like it : Although the Chase Sapphire Preferred card has the same annual fee as the Capital One Venture Rewards card — $95 — it offers some extra perks and benefits. With this card, you're backed by travel cancellation or interruption insurance, auto rental collision damage waiver, and trip delay reimbursement.

Capital One VentureOne Rewards Credit Card

Why we like it : For those looking for a card that offers rewards and travel benefits without an annual fee, the VentureOne Rewards card could be a useful alternative. Plus, it has a generous introductory APR, giving you ample time to pay off your trip or major purchase without interest.

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

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Find the best credit card for you

Citi strata premier card replaces citi premier: enjoy travel insurance and other new benefits, in addition to a new name, the card offers new travel protections and bonus rewards categories..

Citi is an advertising partner.

Citi has rebranded its popular mid-tier Citi Premier® travel credit card as the Citi Strata Premier ℠  Card . The new Strata Premier Card is nearly identical to the old Citi Premier except it has additional travel protections, bonus spending categories and a new limited-time welcome offer .

If you're interested in applying for this card, here's what you need to know about the card's benefits and how to qualify for the intro bonus .

Citi Strata Premier℠ Card

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.; 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations; 1 Point per $1 spent on all other purchases

Welcome bonus

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Regular APR

21.24% - 29.24% variable

Balance transfer fee

5% of each balance transfer, $5 minimum

Foreign transaction fee

Credit needed.

Good/Excellent

See rates and fees . Terms apply.

Citi Strata Premier℠ Card details

The Citi Strata Premier ℠  Card earns transferrable Citi ThankYou points and earns them in bunches. It also currently offers a welcome bonus worth 70,000 points after spending $4,000 in the first three months of account opening.

This bonus is worth $700 in gift cards, cash back or travel (booked through thankyou.com ). To potentially get even greater value, you can also transfer these points to any Citi ThankYou travel partners , including Air France/KLM (Flying Blue), Avianca, Singapore Airlines and Virgin Atlantic. Having the option to transfer your points unlocks all sorts of opportunities.

For example, you could take advantage of the monthly Flying Blue promo rewards and use the bonus points to book two round-trip economy awards flights from the U.S. to Europe which can easily cost over $500 a person depending on your itinerary. Want to go somewhere a little more tropical? Transfer those 70,000 points to Avianca LifeMiles and you have enough to book two round-trip economy awards flights from the U.S. to the Caribbean .

New Citi Strata Premier Card benefits

Aside from a new name and some travel protections, the new Citi Strata Premier is mostly the same as the Premier card it replaces.

One change is that the Strata Premier is making permanent the old Premier's limited-time spending category bonus of 10X points on hotels, car rentals and attractions when booked through CitiTravel.com You're also now able to earn 3X at EV charging stations.

But the most notable changes with the Strata Premier are the new travel coverages, including:

• Trip cancellation/interruption
• Lost or damaged luggage
• MasterRental coverage (car rental insurance)

What's staying the same with the Citi Strata Premier Card?

The Citi Strata Premier's annual fee is staying at $95, and you'll continue to earn:

• 3X points on air travel
• 3X points on hotels (not booked through CitiTravel.com)
• 3X points at restaurants
• 3X points at supermarkets
• 3X points at gas stations
• 1X points on all other purchases

You'll still receive an annual hotel benefit valid for $100 off a single hotel stay of $500 or more that you book through CitiTravel.com. This card continues to have no foreign transaction fees and access to Citi Entertainment as well as all of the same Citi ThankYou transfer partners.

As before, if you have a Citi cash-back card, such as the Citi Double Cash® Card or the Citi Custom Cash® Card , you can pair it with the Citi Strata to convert your cash-back rewards into fully transferrable points.

Citi Double Cash® Card

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

Citi Custom Cash® Card

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

0% APR on balance transfers and purchases for first 15 months

5% of each balance transfer ($5 minimum)

Excellent, Good, Fair

Read our Citi Custom Cash ® Card review .

How to qualify for the Citi Strata Premier Card

You'll want a good-to- excellent credit score to have the best chance of being approved for the Citi Strata Premier. There is also an additional restriction for qualifying for this card's intro bonus. If you've received an intro bonus for the Strata Premier or the Premier card within the last 48 months, you can't earn the bonus again with a new Strata Premier Card.

It's important to note that this 48-month restriction applies to when you received the intro bonus points, not when you opened the account. If you opened a Citi Premier card in April of 2020 but didn't earn the intro bonus until early July 2020, you have to wait 48 months from July — not April — to be able to earn the Strata Premier's bonus.

Alternatives to the Citi Strata Premier Card

The Chase Sapphire Preferred® Card charges the same annual fee as the Strata Premier Card and offers similar benefits. It too earns transferrable travel rewards and has a long list of travel and purchase protections. But while the cards seem similar on the surface, dig a bit deeper and you'll find the Chase Sapphire Preferred Card has a few advantages over the Citi card.

The Chase Ultimate Rewards® airline and hotel transfer partners include programs such as World of Hyatt, Southwest Rapid Rewards and Air Canada Aeroplan, which help make Chase's network one of the best in the travel rewards space. The Sapphire Preferred also features more robust protections than the Strata Premier, including purchase protection and extended warranty protection on top of travel insurance.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card (see rates and fees ) doesn't have the same long list of bonus spending categories you get with the Strata Premier. Instead, it earns at least 2X miles on every purchase, which makes it a strong option for everyday purchases outside of standard bonus categories. The Capital One Venture Rewards also allows you to transfer miles to a strong list of partner travel programs or keep things simple by offsetting travel purchases with miles at a rate of one cent each.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% variable

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Bottom line

The Citi Premier Card is now the Citi Strata Premier . With this renaming, a few of the benefits are changing, but it is largely the same card. However, the biggest weakness of the Citi Premier has been solved with this update, which includes the addition of travel insurance perks.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every personal finance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of financial products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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