What does the insurance on my Sapphire Preferred Chase card actually cover?

No registration is required. Trip cancellation, trip interruption, trip delay, and baggage coverage activate automatically when you charge all or a portion of your prepaid travel cost to your Chase Sapphire Preferred card, or pay with Chase Ultimate Rewards points. Covered travelers do not need to travel with you for benefits to apply. For rental car coverage, you must pay for the entire rental transaction with your Preferred card and decline the rental agency's collision damage waiver (CDW/LDW) at the counter. Keep your card statement showing the charge. It is your primary proof that coverage applies to your trip.

Most benefits cover you and your family members. Family members include your spouse or domestic partner, your children (including adopted and stepchildren), your parents (including legal guardians), your siblings, your grandparents, your grandchildren, and legally dependent children under 26. Your traveling companion is also covered for trip cancellation and interruption, even if they are not a family member. For rental car coverage, any additional driver listed on the rental agreement is covered. Covered travelers do not need to travel with you for most benefits to apply. A family member booking a separate trip on your account is still eligible.

Primary CDW (collision damage waiver) means you file a claim directly with chasecardbenefits.com. Your personal auto insurer is not involved. Pay for the entire rental with your Preferred card and decline the rental agency's CDW or LDW at the counter. Coverage applies to theft, collision damage, loss-of-use charges, and towing up to $60,000, for up to 31 consecutive days worldwide. Exotic vehicles with an MSRP above $125,000, motorcycles, cargo vans, and passenger vans seating more than 12 people are not covered. New York residents who carry personal automobile insurance receive secondary (excess) coverage rather than primary inside the US.

Visit chasecardbenefits.com or call 1-800-350-1362. Filing deadlines vary by benefit: 20 days from the incident for trip cancellation, trip interruption, or lost luggage; 60 days for trip delay; 90 days for purchase protection. The benefit administrator is Virginia Surety Company, Inc. (an Assurant company). Every claim requires a travel itinerary and the card statement showing the charge. Trip cancellation requires documentation confirming the covered reason: medical records, a death certificate, or military orders, plus written refund denials from each travel supplier. File the day the incident happens. Documents must be submitted within 90 days for most travel benefits.

The Preferred has no emergency medical insurance and no emergency evacuation coverage. The travel assistance line refers you to local providers, but all medical costs are your responsibility. Trip cancellation does not cover pre-existing conditions (diagnosed or treated within 60 days of booking), financial default of a travel supplier, or cancellations for reasons not listed in the benefit terms. Rental car coverage excludes motorcycles, exotic vehicles above $125,000 MSRP, vehicles rented through car-sharing apps, cargo vans, and passenger vans with more than 12 seats. Purchase protection excludes mysterious disappearance, items under control of a common carrier, cash, tickets, and collectibles.

Yes, if you travel internationally. The Chase Sapphire Preferred does not include emergency medical insurance or emergency evacuation coverage. The card's travel and emergency assistance line can refer you to local English-speaking doctors and coordinate logistics, but all medical costs are your responsibility. A single emergency room visit abroad runs $15,000 to $80,000 depending on the country and treatment required. Standalone travel insurance with $100,000 in emergency medical coverage, including direct billing to the provider, costs about $3/day for most international trips. If your employer health plan does not extend abroad, the Preferred's travel package needs a medical supplement to be complete.

No. Cell phone protection is not included in the Chase Sapphire Preferred Guide to Benefits effective October 1, 2024. Charging your monthly phone bill to the card does not activate any coverage for theft or accidental damage to your device. Purchase protection covers phones against theft and accidental damage for 120 days from the date of purchase, up to $500 per item, but only in the context of a recent purchase, not ongoing phone ownership. If cell phone protection is a priority, you would need either a dedicated device insurance policy or a card that specifically includes this benefit.

No. The benefit terms define a pre-existing condition as any illness, disease, or accidental bodily injury for which medical advice, diagnosis, care, or treatment was recommended or received within 60 days immediately before your initial deposit or booking date. If you had a diagnosis or active treatment in that 60-day window and your cancellation involves that condition, the claim will be denied. Standard prescription management for a controlled condition during this period is excluded, unless the treatment is for a single, uncomplicated pregnancy through 26 weeks gestation that does not arise from assisted reproductive technology.

Primary for most cardholders. Primary coverage means you file directly with chasecardbenefits.com with no involvement from your personal auto insurer. This applies both inside and outside the United States. The exception is New York residents inside the United States who carry personal automobile insurance: for them, the card coverage is secondary, meaning personal auto pays first and the card covers what remains. In all cases, you must pay for the entire rental with your Preferred card and decline the rental agency's CDW or LDW at the counter to activate coverage.

Yes, with specific coverages. The Chase Sapphire Preferred includes trip cancellation and interruption insurance (up to $10,000 per person), trip delay reimbursement (up to $500 per person after 12 hours or an overnight stay), baggage delay insurance ($100/day after 6 hours, up to 5 days), lost luggage reimbursement (up to $3,000 per person), and travel accident insurance (up to $500,000 on common carriers). Emergency medical insurance and emergency evacuation coverage are not included. Coverage activates automatically when you charge your trip cost to the card or pay with Chase Ultimate Rewards points, with no pre-trip enrollment required.

No. The Chase Sapphire Preferred does not include emergency medical insurance of any kind. The card provides a travel and emergency assistance service that can refer you to local English-speaking doctors, dentists, and hospitals, and help coordinate logistics. All costs for medical care, hospitalization, prescription refills, or transportation to a medical facility are the cardholder's sole responsibility. There is no reimbursement mechanism for medical expenses incurred outside the United States under this Guide to Benefits. Standalone travel insurance with direct billing and $100,000 in emergency medical coverage costs about $3/day for a standard international trip.