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The Chase Sapphire Reserve® (Rates & Fees) comes with an abundance of high-value benefits and features. Cardholders get a fantastic return on Chase Sapphire Reserve travel insurance and dining, plus receive an industry-leading $300 travel credit — which covers any travel expense — and a complimentary Priority Pass Select membership. Furthermore, that’s before factoring in the 60,000-point sign-up bonus.
Some of the Sapphire Reserve’s best features, however, are the least visible. Tucked away deep 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 the coverage options, you may learn that you've been spending money on coverage you didn't need — or that you've got coverage you never knew about!
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 (CDW)
- 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
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 claims phone number 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‘s trip interruption and trip cancellation insurance covers the cardholder, 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 a covered loss either interrupts travel or prevents you from traveling. The coverage will reimburse you up to $10,000 for each person or $20,000 per trip.
Claims are limited to:
- Per occurrence: $20,000
- Per 12 months: $40,000
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 cards' 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.
This benefit applies to reasonable expenses incurred during Your delay not otherwise covered by Your Common Carrier, another party, or Your primary personal insurance policy. You will be refunded the excess amount (up to the maximum) once all other reimbursement has been exhausted up to the limit of liability.”
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 for reimbursement, the delay must not have been made public or have been communicated to you before departure.
Baggage delay insurance
If you made it to your destination but your bags didn’t, you might be eligible to claim for baggage delay. Covering the cardholder and immediate family members up to $100 per day for a maximum of five days when your bags are delayed for six or more hours, you can claim emergency purchases of essential items including clothing, toiletries, and one phone charger per device. The list of purchases not included 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 (CDW)
We rate the primary rental insurance offered on the Sapphire Reserve as one of the best available to U.S. cardholders. The terms and conditions feature no specific country exclusions, and cardholders receive primary coverage at home in the U.S. in addition to most foreign countries.
To ensure coverage when renting a car, 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 and theft of the rental vehicle, not damage to other people's property or if someone is injured.
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, including 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 within due to loss or damage. Note that liability is limited to the cash value of the items (replacement value less depreciation) at the time of loss, and you must report the loss or damage to the carrier as soon as you exit the aircraft.
Travel accident insurance
This is one of the more morbid, but very practical, insurances included on the Sapphire Reserve. Travel accident insurance covers you for accidental death, dismemberment, and loss of speech, sight, and hearing benefits, on a 24-hour basis, while traveling on any motorized land, water, or air transport, operated by an organization licensed to carry passengers, as long as you charge the cost of the trip, minus any points and miles, to the Sapphire Reserve.
Coverage is for 30 days from the date of departure and ends at the beginning of the 31st day if your trip extends past 30 days. The coverage provides a 24-hour loss of life benefit of $100,000 and a common carrier loss of life benefit of up to $1,000,000. This is a complex and hard-to-understand policy and requires a thorough reading of the benefits guide to grasp the details. We recommend reviewing the policy with a licensed insurance professional if you have any doubts as to the validity of your coverage.
Emergency evacuation and transportation
Another complex benefit, it covers the cardholder and immediate family for up to $100,000 towards emergency evacuation or transportation. You’re covered for emergency evacuation and transportation if you are injured or become ill during your trip and require emergency evacuation on trips of between five and 60 days at least 100 miles from home.
The benefits administrator must make all the medical travel arrangements, and the evacuation must be pre-approved by the benefits administrator in consultation with a legally licensed physician who certifies that emergency evacuation is warranted due to the severity of the injury or sickness.
Emergency medical and dental
You’re covered for up to $2,500 in emergency medical and dental expenses that would not otherwise be covered by your travel or health insurance. 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 provides a wide range of emergency services available 24/7, 365 days a year. It's essentially a hotline allowing you to call (888-675-1461) to get advice, assistance, or referrals when you are in an unfamiliar place. This could provide help with translating terms and conditions, medical referrals, emergency assistance, or help to replace a lost airline ticket — almost anything that can be accomplished over the phone.
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
- Pre-trip 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 such issues as towing, jump start, tire-changing, lockout, 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 using your Sapphire Reserve or Ultimate Rewards points earned on the card in the event of theft, damage, or involuntary and accidental parting with the item within 120 days. You will be reimbursed up to the dollar amount required to repair or replace the item, up to $10,0000 per item.
The Sapphire Reserve has a high claim value of up to $10,000 per item and a cap of $50,000 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, up to a maximum of $10,000 per claim, and a $50,000 maximum per account. You need to charge a portion of the purchase price to the Sapphire Reserve for the protection to 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 you’re unhappy with an item purchased entirely using your Sapphire Reserve or points earned on the card, and the merchant won’t accept the return, return protection will reimburse you for the cost of the item within 90 days of the purchase date. Claims are limited to $500 per item, up to a maximum of $1,000 per year per account. Coverage is secondary to any store guarantees, and the benefits administrator must receive the purchase in like-new or good working condition.
Price protection
As of August 26, 2018, price protection is no longer a benefit of this card.
Final Thoughts
Big-ticket benefits like travel credits and lounge access are what marketing teams use to advertise cards like the Sapphire Reserve, but there are plenty of benefits hiding under the hood that can provide thousands of dollars per year in additional value. Take time to familiarize yourself with the guide to benefits for the Chase Sapphire Reserve, as these benefits can help reduce headaches with an unfortunate delay or health problem while traveling. The benefits also can reduce your out-of-pocket expenses when things go awry.
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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