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The Chase Sapphire Reserve® (Rates & Fees) comes packed with high-value benefits and features for the avid traveler. Cardholders get a fantastic return on Chase Sapphire Reserve travel benefits and dining, receive an easy-to-use $300 travel credit, access to Chase Sapphire lounges, and a growing list of other credits. And that's before factoring in the sign-up bonus — which is massive right now:
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Some of the Sapphire Reserve‘s best features, however, are the least visible. Buried in the Sapphire Reserve Guide to Benefits is a suite of Chase Sapphire travel insurance and purchase protections that can add thousands of dollars to the value proposition of holding the card long-term.
After reviewing your coverage options, you may realize you’ve been paying for protection you already had.
Chase Sapphire Reserve Travel Insurance Benefits
Chase Sapphire Reserve phone number
First things first: For questions about the following benefits — or to file or follow up on a claim — call the Chase benefits administrator at 888-675-1461.
Chase Sapphire Reserve trip cancellation and trip interruption
As one of the best credit cards for travel insurance, the Sapphire Reserve includes trip interruption and trip cancellation insurance for the cardholder, the cardholder's spouse or partner, and immediate family members for trips of less than 60 days. The two policies are similar, but trip cancellation covers you before the trip, while trip interruption covers you from the moment you start traveling.
Coverage kicks in when an eligible loss interrupts or prevents travel. The coverage will reimburse you up to:
- $10,000 per covered traveler
- $20,000 per trip
- $40,000 per 12-month period
Tip: Immediate family members are covered if travel is charged to the Sapphire Reserve, even if the primary account holder is not present.
You can catch the extensive list of definitions and exclusions in the Sapphire Reserve Guide to Benefits, or head over to our post on Chase Sapphire's trip cancellation and trip interruption insurance.
Trip delay reimbursement
One of the most valuable benefits on the Sapphire Reserve, trip delay reimbursement covers what Chase deems “reasonable” expenses:
“The Trip Delay Reimbursement benefit will reimburse Your reasonable additional expenses incurred during a Covered Trip delay, including meals, lodging, toiletries and medication.“
Coverage kicks in after a delay of six hours (or a forced overnight stay), and you can claim up to $500 for each ticket purchased with your Sapphire Reserve. To qualify, the delay cannot have been publicly announced or otherwise communicated to you before departure.
Baggage delay insurance
If you arrived to your destination but your luggage didn't, you might be eligible to claim for baggage delay. The benefit covers the cardholder and immediate family members for up to $100 per day for a maximum of five days when bags are delayed for six hours or longer. The list of excluded purchases is extensive (including items like false teeth and event tickets), so be sure to read page six of the guide to benefits for more details.
Related: Chase Sapphire Reserve Full Review
Chase Sapphire Reserve auto rental collision damage waiver
We rate the primary rental insurance offered on the Sapphire Reserve among the best available to U.S. cardholders. Cardholders receive primary coverage in the U.S. and most foreign countries for rental periods of up to 31 consecutive days. Coverage is limited to $75,000 for theft or collision damage to the rental vehicle.
To activate coverage, you need to pay for the entire rental using your Sapphire Reserve and decline the rental company's collision insurance. If you accept the rental company's additional auto insurance, you won't be covered by the Sapphire Reserve. You can read all the details in our review of Chase's auto rental CDW.
Note: If you use Ultimate Rewards to pay for your rental, you'll also receive coverage under the auto rental CDW benefit.
Be aware that the auto rental CDW isn't liability insurance. You are only covered for damage or theft of the rental vehicle, not for damage to other people's property or injuries to others.
Related: Best Credit Cards for Rental Car Insurance
Lost luggage benefits
The Sapphire Reserve‘s lost luggage benefit covers the cardholder and immediate family members for up to $3,000 per person for a covered trip. Coverage includes up to $500 for valuable items like jewelry, watches, cameras, and other electronics.
The benefit reimburses the cost of repairing or replacing checked and carry-on baggage, as well as the personal property contained therein, due to loss or damage. Liability is limited to the cash value of the items (replacement value less depreciation) at the time of loss. To qualify, you must report the loss or damage to the carrier as soon as you exit the aircraft.
Travel accident insurance
While it’s one of the more sobering benefits on the Sapphire Reserve, travel accident insurance can provide valuable protection during covered trips. The policy includes coverage for accidental death or dismemberment, as well as the loss of speech, sight, or hearing, while traveling on a licensed air, land, or water carrier when at least part of the fare is charged to the Sapphire Reserve.
Coverage applies for up to 30 days from departure and includes two separate benefit structures:
- Up to $100,000 in 24-hour accidental death and dismemberment coverage
- Up to $1,000,000 in common carrier accidental death and dismemberment coverage
As with many insurance policies, coverage definitions and exclusions are extensive, so it’s worth reviewing the Sapphire Reserve Guide to Benefits carefully before relying on the protection.
Emergency evacuation and transportation
The Sapphire Reserve also includes emergency evacuation and transportation coverage for the cardholder and immediate family members. The benefit provides up to $100,000 in covered emergency medical evacuation and transportation expenses when you become seriously ill or injured during an eligible trip.
Coverage applies on trips between five and 60 days long when traveling at least 100 miles from home.
Because this is a tightly managed benefit, all evacuation arrangements must be coordinated and preapproved by the benefits administrator in consultation with a licensed physician who determines that emergency evacuation is medically necessary. In other words, don’t arrange your own helicopter rescue and expect Chase to pick up the bill afterward.
Emergency medical and dental
You're covered for up to $2,500 in emergency medical and dental expenses that your travel or health insurance would not otherwise cover. Claims are subject to a $50 deductible, and treatment must be received in the course of a trip a minimum of 100 miles from home when paid for with your Sapphire Reserve or points earned with the card.
If the treatment requires hospitalization, you may also be eligible for a daily benefit of $75 per day for up to five days.
Travel and emergency assistance services
If you need help and you're not sure who to turn to, Chase Travel and Emergency Assistance services can help connect you with support 24 hours a day, 365 days a year. It's essentially a hotline that lets you call (888-675-1461) for advice, assistance, or referrals when you are in an unfamiliar place.
Services include:
- Emergency message service
- Medical referral assistance
- Legal referral assistance
- Emergency transportation assistance
- Emergency ticket replacement
- Lost luggage locator service
- Emergency translation service
- Prescription assistance and valuable document delivery arrangements
- Pretrip assistance
Roadside assistance
Sapphire Reserve cardholders are covered for up to $50 per service callout, up to four times per year. Roadside emergencies can include jump-starting, tire changing, lockouts, fuel delivery, or standard winching.
To use this service, call 866-860-7978 (Cross Country Motor Club).
Chase Sapphire Reserve Purchase Insurance Benefits
Chase Sapphire Reserve purchase protection
Purchase protection covers eligible items purchased with the Sapphire Reserve or Ultimate Rewards points earned on the card.
Coverage applies for 120 days from the purchase date against theft, damage or involuntary and accidental parting.
Eligible claims can be reimbursed for the cost to repair or replace the item, up to $10,000 per item and $50,000 per account per year. Purchases made outside the U.S. are covered as long as you purchased them with your Sapphire Reserve card and the purchase meets the terms and conditions. There is a long list of items not covered, so refer to pages 25–26 of the guide to benefits.
You need to contact the benefits administrator within 90 days of the loss, damage, or theft, and you have 120 days to complete the claim.
Yes, a cracked screen is covered. Or, if you accidentally lose your phone in a taxi, that'd be covered as well!
Extended warranty protection
Extended warranty protection extends the manufacturer's U.S. repair warranty for an additional year on items purchased with your card.
The benefit applies to eligible warranties of three years or less, with a maximum of $10,000 per claim and $50,000 per account. You need to charge a portion of the purchase price to the Sapphire Reserve to have the protection kick in, or have purchased the item using Ultimate Rewards earned on the card.
Again, there's an extensive list of exclusions that can be found in the benefits guide.
In many cases, this benefit can save you $20–$100 for an extended warranty on a single piece of electronics!
Return protection
If a merchant won’t accept a return, the Sapphire Reserve’s return protection benefit may reimburse you for eligible purchases made entirely with the card or Ultimate Rewards points earned on the card.
Coverage applies for up to 90 days from the purchase date and is limited to $500 per item, with a maximum of $1,000 per account per year.
Return protection is secondary to any store return policy or guarantee, and the item must generally be returned to the benefits administrator in like-new or good working condition.
Final Thoughts
We've all seen the dozens of commercials promoting the benefits of the Sapphire Reserve. Still, there are plenty of benefits under the hood that can deliver thousands of dollars in additional value each year, if you know where to look.
Taking a few minutes to familiarize yourself with these protections before your next trip can pay off in a big way. Whether you’re dealing with a delayed flight, lost luggage, rental car damage, or an unexpected medical issue abroad, these benefits can help limit both stress and out-of-pocket costs when travel doesn’t go according to plan.
Page Contents
- Chase Sapphire Reserve Travel Insurance Benefits
- Chase Sapphire Reserve phone number
- Chase Sapphire Reserve trip cancellation and trip interruption
- Trip delay reimbursement
- Baggage delay insurance
- Chase Sapphire Reserve auto rental collision damage waiver
- Lost luggage benefits
- Travel accident insurance
- Emergency evacuation and transportation
- Emergency medical and dental
- Travel and emergency assistance services
- Roadside assistance
- Chase Sapphire Reserve Purchase Insurance Benefits
- Final Thoughts
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees)
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Readers should be very wary of CSR covering anything other than the car rental CDW. Chase’s insurance carrier will do everything to not cover a claim. Right now, they are not covering evacuation insurances overseas. Mostly because of the fuel issues. That is another issue, if you flight is canceled because of a fuel issue, no insurances are covering this right now. Travel insurance carriers are treating fuel issues as a “known event”. Unless you have a “cancel for any reason” policy, you are not covered!
Does the travel insurance cover a non refundable ticket to Italy for a 2 week trip? Literature is ambiguous?
Hi Mary, whether the ticket is refundable or not doesn’t impact your credit card’s coverage details for things like cancelation, lost luggage, etc.
When I travel alone I keep a hard copy of the Guide to Benefits with my passport, usually locked in the safe in my accomodations. I also carry a statement in my wallet or backpack giving instructions on how to contact the benefits coordinator along with my credit card number and other identity details.
Does anyone have any experience on how the pre-approval for medical evacuation works for people who are traveling alone? I often travel alone and it seems that if I am in need of am emergency medical evacuation there could be a pretty high chance that I will not be able to contact the credit card benefit coordinator to get pre-approval and make arrangements for the evacuation. Thanks for any info you can share.
True. I had to file all kind of paperwork to get reimbursement, took about few months. Good thing I charged everything on my Reserve card for Europe trip together with my parents, when my dad passed away suddenly shortly before the trip.
Will the Sapphire reserve cover you for jewelry or watches that have been lost ?
I would double check the benefits guide. Jewelry is almost always an exclusion.
I booked for my parents visiting from India to USA for 6 months. At last minute, my father had an accident and he could not travel. The ticket was a non-refundable ticket. so i cancelling with no refund. i tried to file a claim with Chase. they said the trip duration must be less than 60 days. they said my case will not be covered. My annual fee payment of 450$ is of no use when they do not cover our emergency needs.
I have used both the CSP and CSR travel insurance and while you have to get your documents together they do indeed pay for the loss. One thing to note though is they do not pay for medical pre-existing conditions. If you have a lot of ongoing issues you might want to call their policy provider to get more clarity if that might be an issue. Also, it only covers prepaid items. I once had to purchase a ticket back home for a family medical emergency and it was not reimbursed since it was not prepaid. They said if it was a changed ticket it would have been reimbursed. I have not tested that theory but it is something to be aware of.
In addition I used CSP for price protection and was successful. It was pretty painless.
If you have pre-existing conditions you have a couple of options. Trip interruption insurance will offer coverage for pre-existing conditions has long as you take out the coverage within a certain time frame (usually the same time you make the final payment on your travel), or you can go the travel medical insurance route. The latter is actually the most cost effective. They cover what’s called “Acute Onset of a Pre-existing Condition” and offer higher benefit amounts than what you get with the credit cards. A 40 year old can get a $100,000 policy for a 3 week trip for under $50.
Sometimes Chase not not often
So many gimmicks like requiring submit claim to personal insurance then giving only cash value.
My experience is Chase benefits is a bunch incompetent idiots to deny the claim.
thanks for the article. have you compared the Sapphire insurance benefits to the Amex Platinum cards benefits?
We haven’t, but mostly because the Amex Platinum card insurance benefits are horrible. They’re not even in the same league.
Nice benefit. I am seriously considering going the sapphire route. Although I enjoy using pts within a certain program. Feel that I pull more value out of it.
I had a positive experience with the trip cancellation benefit when my flight was cancelled last March. Amsterdam to ATL. They reimbursed me and my
Domestic partner for expenses occurred (hotel, food, transportation). It was a lot of paperwork but sucessful!
Great info, and book marked, thanks for all your hard work!
Another reason I’ll have to look into this card, at least for the first, bonus year.
Thanks! Been looking for a go to card for travel/insurance benefits and appreciate the article.
Super helpful — I listed CSR as my insurance for an upcoming rental this weekend. Thank you for this guide!
Great benefits review!! Thanks!!
Great write up!
Thanks for the detailed info!
Good reference for CSR card holders.
Good to know the added benefits for using the card
These are really useful! Might be worth that astronomical annual fee.
great benefits with this card
I wish I was below 5/24 to get this card.
After reading this posting, I may have to apply for this card.
This is a really concise summary, thanks for putting it together.
Some great benefits in there which I didn’t about, thanks!
Yes, we know we know, it’s great. 🙂
Wow great benefits. May have to go for it. Nice work on the write up.
Thanks for this info. You have explained this convoluted area quite well.
Thanks for the info. I recently used this card on a rental in Germany and am in the process of submitting a claim. I will report back with the results.
Thanks for providing these details. I tend to overlook these benefits when comparing cards.
As do many of us, but sometimes there’s true value to be had in these features.
Howie, happy New Year to you and all your readers. Sorry if this topic was covered in a previous post, but what can you use the Ultimate Rewards points for?
Steve, thank you! What can you use Ultimate Rewards points for? Oh man, lots of stuff — start here: https://awardwallet.com/credit-cards/chase-ultimate-rewards/best-way-to-use-chase-points/
Good piece. Definitely bookmarking this article. Thanks.
This card is such a good deal that I might choose to upgrade my Sapphire Preferred despite the much-greater annual fee. I think Chase’snew rules make it almost impossible for me to get another bonus anyway unless I cancel the Sapphire Preferred and go without that card for a period of time. (Which I don’t wish to do). Have you covered this in a blog post?
Yes, indeed. https://awardwallet.com/credit-cards/chase-ultimate-rewards/application-rules-sapphire-cards/
An impressive array of protection benefits!
This is such a great card, lots of benefits, exactly what I like to see.
This card actually seems like the high annual fee is worth it, especially if you use the $300 travel credit. $150 a year for PP membership, 3x points, and all these benefits on top is not bad.
Exactly why I love it.
If you time it right you can get the $300 travel credit twice before you get charged the first annual fee.
That only works the first year into the second, if you’re cancelling the card. If you keep the card open, you end up with $300 each year. And the year you cancel an opportunity for for an extra $300.
The $150 net cost of the card, though, is well worth it if you use the benefits. If you don’t do any traveling, the $300 travel credit and the access to the PP Lounge are not of value to you. But if you use the travel benefits, then the extras that are listed in the article, are well worth the $150.
The benefits guide was a little intimidating and I haven’t read it completely since I got the card almost a year ago! Thanks for breaking it down in smaller chunks for us! Love this card so far!
I’ve found that reading these guides with your favorite adult beverage works out well 🙂
Always good to have all of this info in one place. Many thx!
Thanks
These insurance benefits are a major reason NOT to use miles for a ticket. Use miles for an upgrade, but don’t lose the insurance due to the fact that you went cheap for a miles ticket!
NO!!!!! Using miles for upgrades can *sometimes* work out: https://awardwallet.com/airlines/upgrade-flights-with-miles/ — but it is more of an exception than the rule.
Keep using your miles, just pay the taxes/fees with this card and you’ll receive coverage!
That’s a great tip. I didn’t know that just paying the fees got you covered as well.
This benefits could easily be worth a lot more than lounge access.
EXACTLY! I agree 100%
Wow, these benefits are amazing. Almost hard to believe. I wonder how problematic actually filing a claim and exercising the coverage is.
It actually isn’t that hard. You need to simply have your documentation in order, which for any of us that collect points and miles shouldn’t be too hard to do!