Difference between revisions of "Sapphire reserve travel insurance"
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<li>'''Lost luggage insurance'''. Provides coverage for lost or damaged bags (or bag contents). Up to $3,000 per person, with a maximum of $500 in total for jewelry, watches, cameras, and other electronics.</li> | <li>'''Lost luggage insurance'''. Provides coverage for lost or damaged bags (or bag contents). Up to $3,000 per person, with a maximum of $500 in total for jewelry, watches, cameras, and other electronics.</li> | ||
| − | <li>'''Trip delay coverage'''. Covers expenses associated with a travel delay of 6 hours or more (such as meals, lodging, toiletries, and medication) up to a total of $500 per | + | <li>'''Trip delay coverage'''. Covers "reasonable" expenses associated with a travel delay of 6 hours or more (such as meals, lodging, toiletries, and medication) up to a total of $500 per ticket. You aren't covered if the delay was known prior to departure.</li> |
<li>'''Baggage delay insurance'''. Like trip delay insurance, but kicks in when you arrive, and your bags don't. Covers purchases of essential items such as clothing, toiletries, and phone chargers, of up to $100 per person per day, for a maximum of 5 days.</li> | <li>'''Baggage delay insurance'''. Like trip delay insurance, but kicks in when you arrive, and your bags don't. Covers purchases of essential items such as clothing, toiletries, and phone chargers, of up to $100 per person per day, for a maximum of 5 days.</li> | ||
| − | <li>'''Trip cancellation and interruption insurance'''.</li> | + | <li>'''Trip cancellation and interruption insurance'''. If you need to cancel your trip or come home early because of sickness, a death in the family, severe weather, a terrorist event, or jury duty or a court subpoena that can't be postponed or delayed, you will be reimbursed for pre-paid, non-refundable travel expenses of up to $10,000 per person and $20,000 per trip. This also covers you if your travel supplier goes bankrupt.</li> |
| + | |||
| + | You can only cancel for the covered reasons, not because you want to change your plans, got a new job, can no longer afford the trip, etc. It also doesn't cancelling or interrupting your trip because of cancelled or changed travel arrangements that aren't caused by the covered reasons. In other words, if a travel supplier cancels part of the trip, and that ruins the rest of the trip, you aren't covered. | ||
<li>'''Emergency medical and dental insurance'''. You are covered for up to $2,500 in emergency medical and dental expenses that aren't covered by other travel or health insurance, and subject to a $50 deductible. Hospital coverage is only $75 per day, for up to 5 days.</li> | <li>'''Emergency medical and dental insurance'''. You are covered for up to $2,500 in emergency medical and dental expenses that aren't covered by other travel or health insurance, and subject to a $50 deductible. Hospital coverage is only $75 per day, for up to 5 days.</li> | ||
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</ul> | </ul> | ||
| − | === Official terms | + | === What trips are covered? === |
| + | |||
| + | Insurance covers the cardholder, their spouse or domestic partner, and dependent children up to the age of 21. | ||
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| + | Trip delay, baggage delay, and lost baggage coverage is available when you are travelling by air, long-distance bus, ship, or long-distance train, as long as you purchased the ticket with the Sapphire Reserve card or your Ultimate Reward points. | ||
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| + | Some benefits are only provided if you are on a more significant trip that lasts 5-60 days and is more than 100 miles from your home. This includes Emergency Medical and Dental coverage. | ||
| + | |||
| + | === Official terms === | ||
'''[//www.chasebenefits.com/sapphirereserve Chase's Official Benefit Terms]''' | '''[//www.chasebenefits.com/sapphirereserve Chase's Official Benefit Terms]''' | ||
Revision as of 03:08, 24 November 2018
Overview
The Chase Reserve card provides a number of travel insurance benefits.
- Primary rental car insurance. Covers damage that happens to your rental car. Unlike the "secondary" insurance that comes with most other credit cards, the Sapphire Reserve's coverage doesn't require you to involve your personal auto insurance company. So, your rates aren't likely to be affected if you simply damage the car.
- Lost luggage insurance. Provides coverage for lost or damaged bags (or bag contents). Up to $3,000 per person, with a maximum of $500 in total for jewelry, watches, cameras, and other electronics.
- Trip delay coverage. Covers "reasonable" expenses associated with a travel delay of 6 hours or more (such as meals, lodging, toiletries, and medication) up to a total of $500 per ticket. You aren't covered if the delay was known prior to departure.
- Baggage delay insurance. Like trip delay insurance, but kicks in when you arrive, and your bags don't. Covers purchases of essential items such as clothing, toiletries, and phone chargers, of up to $100 per person per day, for a maximum of 5 days.
- Trip cancellation and interruption insurance. If you need to cancel your trip or come home early because of sickness, a death in the family, severe weather, a terrorist event, or jury duty or a court subpoena that can't be postponed or delayed, you will be reimbursed for pre-paid, non-refundable travel expenses of up to $10,000 per person and $20,000 per trip. This also covers you if your travel supplier goes bankrupt.
- Emergency medical and dental insurance. You are covered for up to $2,500 in emergency medical and dental expenses that aren't covered by other travel or health insurance, and subject to a $50 deductible. Hospital coverage is only $75 per day, for up to 5 days.
- Emergency evacuation and transportation coverage. If you need to be evacuated because of an injury or illness, the cost of the emergency evacuation is covered, up to a total of $100,000. This needs to be pre-approved. You are only covered for trips that last between 5-60 days and take place at least 100km from your home.
- Travel and emergency assistance services. Chase operates a hotline that will try to help out with any issue you are having on a trip. 888-675-1461.
- Travel accident insurance. If someone dies, is dismembered or loses their sight, hearing, or speech on a trip, you'll receive an insurance payout from Chase.
Does not cover damage that you do to other people or property. That's called liability insurance and is normally covered in the North America by your personal auto insurance. Internationally, liability coverage is sometimes included in the car rental rates and sometimes needs to be purchased separately. Credit card car rental insurance, including that from the Sapphire Reserve does not cover medical issues or the theft of objects from the card. Guide to Car Rental Insurance.
You can only cancel for the covered reasons, not because you want to change your plans, got a new job, can no longer afford the trip, etc. It also doesn't cancelling or interrupting your trip because of cancelled or changed travel arrangements that aren't caused by the covered reasons. In other words, if a travel supplier cancels part of the trip, and that ruins the rest of the trip, you aren't covered.
What trips are covered?
Insurance covers the cardholder, their spouse or domestic partner, and dependent children up to the age of 21.
Trip delay, baggage delay, and lost baggage coverage is available when you are travelling by air, long-distance bus, ship, or long-distance train, as long as you purchased the ticket with the Sapphire Reserve card or your Ultimate Reward points.
Some benefits are only provided if you are on a more significant trip that lasts 5-60 days and is more than 100 miles from your home. This includes Emergency Medical and Dental coverage.
Official terms
Chase's Official Benefit Terms
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