Chase Sapphire Reserve Travel Insurance: What's Covered, What's Not
Chase Sapphire Reserve travel insurance is the best premium credit card insurance package in the industry. When you charge travel expenses to your CSR, you receive comprehensive coverage for trip cancellation, trip interruption, delay, baggage, and rental car damage.
Coverage Overview
| Coverage Type | Limit | Deductible | Notes |
|---|---|---|---|
| Trip cancellation | $10K per person ($20K per trip) | $0 | Cancel for covered reasons |
| Trip interruption | $10K per person ($20K per trip) | $0 | Cut trip short |
| Trip delay | $500 per ticket (6+ hours) | $0 | Meals, lodging, essentials |
| Baggage loss | $3K per passenger | $0 | Lost, stolen, damaged |
| Baggage delay | $100/day (5 days max) | $0 | Essential items |
| Rental car CDW | $75K (primary) | $0 | Damage/theft only |
| Accidental death | $250K | $0 | Common carrier only |
How to Activate Coverage
To be covered, you must:
- Charge the full trip cost to your CSR (or use Chase Ultimate Rewards points)
- Cancel for a covered reason (illness, injury, severe weather, etc.)
- File a claim within 60 days of the event
Important: Coverage is primary for rental car CDW but secondary for most other benefits — meaning you must file with your primary insurance first.
Trip Delay: Best Benefit
The CSR's trip delay coverage is the best in the credit card industry:
- Delay threshold: 6+ hours (or overnight)
- Coverage: $500 per ticket for meals, lodging, toiletries
- Covered reasons: Common carrier delays, weather, mechanical issues
This is better than the Amex Platinum (which covers $500 per ticket after 6 hours but is secondary).
Filing a Claim
Step 1: Collect documentation — receipts, police reports, airline delay letters, medical records. Step 2: Call Chase Benefit Administrator at 1-888-320-9961 within 60 days. Step 3: Submit claim form with supporting documentation. Step 4: Expect 10–30 days for claim processing.
Frequently Asked Questions
Does Chase Sapphire Reserve have travel insurance?
Yes — comprehensive trip cancellation, trip interruption, delay, baggage, and rental car coverage are included when you book travel with your CSR.
How much trip cancellation coverage does CSR provide?
$10,000 per person, $20,000 per trip. You are covered for illness, injury, severe weather, and other covered reasons.
Is CSR rental car insurance primary?
Yes — rental car CDW is primary coverage, meaning you do not need to file with your personal auto insurance.
Does CSR cover medical expenses?
No — travel medical insurance is not included. You need a separate medical policy for international trips.
Last updated: March 2026. Coverage details are subject to change. Verify with Chase before traveling.