Does the Chase Sapphire Reserve cover it?
Chase lists all 7 with terms: trip cancellation (up to $10,000 per traveler), trip delay (more than 6 hours, up to $500 per traveler), baggage delay ($100 a day for up to 5 days), lost or damaged bags (up to $3,000 per traveler), rental car damage (primary, up to $75,000), travel accident (up to $1,000,000) and emergency evacuation & medical (evacuation up to $100,000; medical up to $2,500). Medical expenses abroad are capped at $2,500.
What the issuer lists
Trip cancellation & interruption Listed with terms
Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations.
Trip delay Listed with terms
Common carrier delayed more than 6 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging.
Baggage delay Listed with terms
Up to $100 a day for up to 5 days for essentials like toiletries and clothing when bags are delayed over 6 hours.
Lost or damaged baggage Listed with terms
Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip.
Rental car collision damage (CDW) Listed with terms
Primary. Decline the rental company's collision insurance and charge the entire rental to the card. Up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad. New York residents: secondary to your personal auto insurance inside the U.S.
Travel accident insurance Listed with terms
Up to $1,000,000 accidental death or dismemberment coverage when you pay for air, bus, train or cruise transportation with the card.
Emergency evacuation & medical Listed with terms
Emergency evacuation and transportation up to $100,000 (trip 100+ miles from home). Plus Emergency Medical and Dental: up to $2,500 for medical expenses if you or an immediate family member get sick or injured 100+ miles from home, $50 deductible.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full fare or rental on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Chase Sapphire Reserve sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. A standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Medical treatment costs abroad: capped at $2,500 on this card.
- Cancel for any reason: not listed for this card (it is not listed for any card we checked).
- Trips that cost more than the card’s limit, or costs not paid with the card, sit outside the trip-cancellation cap above.
Quick answers
Does the Chase Sapphire Reserve cover trip delay?
Chase lists trip delay for this card. Common carrier delayed more than 6 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. Check your Guide to Benefits.
Does the Chase Sapphire Reserve cover trip cancellation?
Chase lists trip cancellation for this card. Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. Check your Guide to Benefits.
Is the Chase Sapphire Reserve’s rental car coverage primary?
The Chase source describes it as primary. Primary. Decline the rental company's collision insurance and charge the entire rental to the card. Up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad. New York residents: secondary to your personal auto insurance inside the U.S. Check your Guide to Benefits.
Does the Chase Sapphire Reserve cover medical costs abroad?
Chase lists emergency evacuation & medical for this card. Emergency evacuation and transportation up to $100,000 (trip 100+ miles from home). Plus Emergency Medical and Dental: up to $2,500 for medical expenses if you or an immediate family member get sick or injured 100+ miles from home, $50 deductible. Check your Guide to Benefits.
Do I have to pay with the Chase Sapphire Reserve?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): Decline the rental company's collision insurance and charge the entire rental to the card. Travel accident insurance: Up to $1,000,000 accidental death or dismemberment coverage when you pay for air, bus, train or cruise transportation with the card. Check your Guide to Benefits.
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