Does Chase Sapphire Reserve rental car insurance cover primary or secondary?

Chase Sapphire Reserve rental car coverage is primary CDW. That means the card pays before your personal auto insurance, not after. You file directly with chasecardbenefits.com after any covered incident. Your personal insurer is never involved and your premium is not affected. Coverage caps at $75,000, applies for up to 31 consecutive days worldwide, and requires you to decline the rental agency's own CDW at the counter and charge the full rental to the card. Some countries do not allow you to waive CDW at the counter: request a letter of coverage from chasecardbenefits.com in advance. Excluded vehicle classes include motorcycles, cargo vans, antique cars, and car-sharing platforms.

What does Chase Sapphire Reserve trip cancellation actually cover?

Trip cancellation reimburses non-refundable prepaid trip expenses up to $10,000 per person ($20,000 per trip) when a covered reason prevents departure. The card covers 13 reasons: illness, injury, or death of the traveler or Traveling Companion; a life-threatening condition of a Family Member; severe weather; named storm warnings; jury duty; military orders; quarantine; terrorist incident within 25 miles of the departure airport or destination within 30 days of arrival; US Government travel warning due to terrorism within 10 days of departure; home made uninhabitable; destination lodging uninhabitable; and organized strike canceling 20% or more of the scheduled trip. Covered travelers do not need to travel with the primary cardholder. Pre-existing conditions (any condition treated within 60 days of initial deposit) are excluded with no waiver available.

Does Chase Sapphire Reserve cover medical expenses abroad?

Yes, but with significant limitations. The card reimburses emergency medical and dental expenses up to $2,500 per trip, subject to a $50 deductible. Coverage is reimbursement-only: you advance the full cost and file afterward through chasecardbenefits.com. For context, a single ER visit in France or Japan typically costs $5,000 to $15,000. The $2,500 limit covers a minor urgent care visit abroad, not a hospital stay. Pre-existing conditions (treated within 60 days before the trip) are excluded with no waiver available. The card's travel and emergency assistance line (1-800-350-1697) can help coordinate care but does not pay any medical bills. For meaningful international medical coverage, standalone travel medical insurance starting at $100,000 per person is recommended.

How does Chase Sapphire Reserve trip delay work?

If your covered Common Carrier is delayed more than 6 hours or requires an overnight stay, the card reimburses reasonable expenses for meals, lodging, toiletries, and medication up to $500 per traveler per trip. Covered delay causes: equipment failure, inclement weather, strike, or hijacking. The 6-hour trigger is faster than the 12-hour standard on most US travel cards. The benefit covers the cardholder and covered family travelers on the same itinerary. FAA groundstops and airline operational decisions not caused by the above hazards are not covered. There is no coverage on the return leg. Notify chasecardbenefits.com within 60 days and keep all receipts.

Does Chase Sapphire Reserve have purchase protection?

Yes. Purchase protection covers theft, damage, and involuntary and accidental parting of eligible items for 120 days from the purchase date, up to $10,000 per item and $50,000 per calendar year. Zero deductible. The 120-day coverage window is longer than the 90-day standard on most cards. Coverage is secondary, excess over homeowner's or renter's insurance. Mysterious disappearance is excluded: if an item went missing without evidence of theft or damage, the claim is denied. To file a claim, contact chasecardbenefits.com or call 1-800-350-1697 within 20 days of the loss; submit full documentation within 90 days.

Does Chase Sapphire Reserve have cell phone protection?

No. Cell phone protection is not included with the Chase Sapphire Reserve. Even if you pay your monthly wireless bill with this card, damage or theft of your phone is not covered. For cell phone protection, consider the Chase Freedom Flex (up to $800 per claim, $50 deductible, when the monthly bill is paid on the card) or a standalone phone insurance plan through your carrier.

What does Chase Sapphire Reserve extended warranty cover?

The extended warranty benefit adds 1 additional year to the original US manufacturer warranty for eligible items with warranties of 3 years or less. Maximum $10,000 per item. The extended coverage begins at the end of the original warranty period. If the original warranty is 4 years or longer, no extension is provided. If a combination of the original warranty plus any service contracts you have already purchased exceeds 3 years, no extension is provided. Maximum coverage from all warranties combined (manufacturer plus card) is 4 years from the purchase date. File claims through chasecardbenefits.com.

How do I file a claim on my Chase Sapphire Reserve benefits?

All Chase Sapphire Reserve insurance claims are filed through chasecardbenefits.com or by calling 1-800-350-1697 (from the US) or 001-214-503-2954 (collect from abroad). Benefits are administered by Virginia Surety Company, Inc. (Assurant). Notify the administrator within 20 days of the incident for most benefits; for trip delay, notify within 60 days. Submit full documentation within 90 days of notification. Required documents typically include: your card billing statement showing the covered purchase or fare, proof of the covered reason (physician statement, police report, military orders, or carrier documentation), and itemized receipts for all claimed expenses. For trip cancellation specifically, include written denial of refund from each travel supplier and itemized supplier invoices.

Chase Sapphire Reserve Benefits: What Does the Card Actually Cover?

Chase·$795/year·Visa·Virginia Surety Company (Assurant)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

3,9/5Independent review · verified June 2026

Travel Insurance

3,7

Car Rental

4,3

Protection

4,3

Our Verdict · Travel Insurance

Our opinion on Chase Sapphire Reserve Travel Insurance

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

You're at a hospital in Rome and the front desk asks for payment upfront. The Chase Sapphire Reserve gives you $2,500 in emergency medical coverage, reimbursement-only (you advance the full amount, file afterward). A $50 deductible applies. Most cardholders assume $2,500 covers a foreign ER. It doesn't. A single overnight in a French clinic runs $3,000 to $8,000. Standalone travel insurance starts at $100,000 per person for international trips. The gap: $97,500. Chase Sapphire Reserve travel insurance benefits run deeper on cancellation: $10,000 per person, zero deductible, 13 covered reasons including severe weather, jury duty, terrorism within 25 miles of your departure airport, and named storm warnings. The 6-hour trip delay trigger is twice as responsive as the 12-hour standard on most cards, with up to $500 per traveler for meals and lodging. Lost luggage pays $3,000 per traveler, carry-on bags included. AD&D (accidental death and dismemberment) runs up to $1,000,000 on a common carrier. Here's what most cardholders miss: emergency evacuation requires pre-authorization from chasecardbenefits.com before any transport is arranged. Not after. Costs incurred without prior approval are not reimbursed. Evacuation is covered up to $100,000, with companion round-trip economy fare if hospitalized more than 8 days. Filing goes through chasecardbenefits.com, Chase's benefit administrator. Contact them within 20 days of an incident; submit full documentation within 90 days. For trip cancellation: itemized supplier invoices, a written denial of refund from each supplier, and your card statement showing the charge. Some cardholders report approvals in 3-4 weeks. Others describe repeated document requests and 8-week waits. If you travel internationally without separate health coverage, the $2,500 medical cap is a real exposure for any serious incident. If your employer plan extends abroad, this gap matters less. The cancellation, delay, and evacuation benefits are among the better card-based offerings at this price point.

What works on travel

$10,000 per person trip cancellation limit, zero deductible, 13 covered reasons including severe weather, terrorism within 25 miles of departure, and jury duty
6-hour delay trigger, twice as fast as the 12-hour standard: meals, lodging, and toiletries covered up to $500 per traveler
Lost luggage pays $3,000 per traveler, carry-on bags included, with $500 sub-caps on jewelry and electronics
Emergency evacuation pre-arranged by the service provider up to $100,000, with companion economy round-trip if hospitalized more than 8 days
AD&D (accidental death and dismemberment) up to $1,000,000 on a common carrier, 24-hour coverage up to $100,000 throughout the trip

Where travel breaks down

$2,500 emergency medical cap per trip, $50 deductible, reimbursement-only: you advance the full bill before filing
Pre-existing conditions excluded under a 60-day lookback window, no waiver available
Emergency evacuation requires pre-authorization before transport is arranged: costs incurred without prior approval from chasecardbenefits.com are not reimbursed
FAA groundstops and airline operational decisions are not covered delay reasons: only weather, equipment failure, strike, and hijacking qualify
Baggage delay covers the outbound leg only, not the return trip to your origin

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 11 guarantees

What does Chase Sapphire Reserve Travel Insurance actually cover?

Quality, not just caps

Pre-existing conditions diagnosed or treated within 60 days of your booking date are excluded. This is the most common reason claims get denied.

Deductible : No deductible

The full cost of the trip or the portion paid with the card or redeemable Rewards must have been charged to the Covered Card Trip must not exceed 60 days

Reimburses non-refundable prepaid trip expenses if your trip is cancelled for a covered reason. Coverage begins at the initial deposit or booking date. Maximum $10,000 per Covered Traveler, $20,000 per trip for all Covered Travelers, $40,000 per 12-month period per account. Covered Travelers do not need to be traveling with the primary cardholder. Trip must not exceed 60 days.

What's covered

Non-refundable prepaid trip expenses charged all or in part to the Covered Card
Covered Travelers include the cardholder, spouse or domestic partner, and dependent children
13 covered reasons: death, illness, or injury of the traveler or Traveling Companion; life-threatening condition of a Family Member; severe weather; named storm warning; jury duty; military orders; quarantine; terrorist incident within 25 miles of departure airport or destination lodging within 30 days of arrival; US Government travel warning due to terrorism within 10 days of departure; home uninhabitable (burglary, fire, flood); lodging at destination uninhabitable; organized strike canceling 20% or more of the scheduled trip duration

What's not covered

Pre-existing conditions (illness, disease, or injury for which advice, diagnosis, care, or treatment was recommended or received within the 60-day period before the initial deposit date)
Pandemic, epidemic, or country border closures
Financial insolvency of a travel supplier
Change of mind or disinclination to travel
Any reason not listed as a covered reason

The $2,500 cap is secondary coverage: your US health plan pays first. Without primary US coverage abroad, this card may pay nothing at all. A single ER overnight in Europe typically runs $3,000 to $8,000.

Deductible : $50

Common Carrier ticket must be charged all or in part to the Covered Card Trip must be at least 100 miles from primary residence Coverage is secondary to all other valid insurance Claim within 90 days of receiving care; documents within 180 days The $50 deductible applies per trip, not per incident

Reimburses emergency medical and dental expenses incurred while traveling when the Covered Traveler becomes sick or accidentally injured. Maximum $2,500 per Covered Traveler per trip, subject to a $50 deductible. Coverage is secondary, excess over all other valid or collectible insurance. Trip must be at least 100 miles from home. If hospitalized and the attending physician determines hotel recovery is appropriate before return: $75/day toward hotel costs for up to 5 days.

Recommended : $100,000

What's covered

Emergency treatment for sudden and unexpected illness or injury
Emergency dental expenses
Hotel recovery supplement: $75/day for up to 5 days when hospitalized and physician approves hotel recovery before return

What's not covered

Pre-existing conditions (any condition for which advice, diagnosis, care, or treatment was recommended or received within 60 days prior to the trip)
Routine physical examinations
Non-emergency services
Elective procedures
Care rendered by a Covered Traveler or their Family Member
Illness or injury due to self-inflicted harm, attempted suicide, mental health issues, alcoholism or substance abuse, war, military duty, civil disorder, air travel except as passenger on licensed aircraft, skydiving, scuba, hang gliding, parachuting, rock climbing, or contests of speed
Countries under US State Department Level 4 travel advisory

Pre-authorization is mandatory before any transport is arranged. Costs incurred without prior approval from the service provider will not be reimbursed under any circumstances. Call 1-800-350-1697 before booking any evacuation.

Deductible : No deductible

Trip must be paid all or in part with the Covered Card Trip must be at least 5 days and no more than 60 days, and at least 100 miles from primary residence Evacuation must be recommended by the attending physician AND pre-authorized by calling 1-800-350-1697 before any transport is arranged

Covers emergency medical evacuation and transportation expenses up to $100,000 when the Covered Traveler becomes seriously sick or injured while traveling. Repatriation of remains: up to $1,000. Evacuation must be recommended by the attending physician AND authorized and arranged in advance by the Emergency Evacuation and Transportation service provider. Costs not pre-authorized will not be reimbursed. If hospitalized more than 8 days, one companion's round-trip economy fare is covered.

What's covered

Emergency medical evacuation to the nearest appropriate hospital
Accompanying minors: return transportation to home or designated caretaker
Companion round-trip economy fare if hospitalized more than 8 days
Repatriation of remains up to $1,000

What's not covered

Any evacuation NOT authorized in advance by the service provider will NOT be reimbursed under any circumstances
Trips under 5 days or over 60 days
Trips within 100 miles of primary residence
Countries with active US State Department travel warnings or OFAC sanctions
Suicide, intentional self-inflicted harm, war, military duty, civil disorder
Obtaining medical treatment as the purpose of travel

The $10,000 limit is shared with trip cancellation. If you cancel and are later reimbursed $8,000, only $2,000 remains available for any interruption on the same trip.

Deductible : No deductible

Same covered reasons as Trip Cancellation apply Interruption must occur after the Trip Departure Date Trip must not exceed 60 consecutive days Common Carrier ticket or trip cost must be charged all or in part to the Covered Card

Reimburses non-refundable prepaid travel expenses plus vehicle costs to return to the nearest residence when a trip is cut short for a covered reason. Also covers ground transportation up to $250 to a departure airport when medical treatment is needed mid-trip. Maximum $10,000 per Covered Traveler, $20,000 per Trip for all travelers combined. The $10,000 limit is shared with Trip Cancellation.

What's covered

Non-refundable unused prepaid trip expenses
Additional transportation costs to return home or continue to the destination
Rental car to nearest rental agency and return to your personal vehicle at your closest residence
Ground transportation up to $250 to the airport when a medical reason requires early departure

What's not covered

Pre-existing conditions within the 60-day lookback window
Pandemic, epidemic, or country border closures
Default or financial insolvency of the Travel Supplier
War, undeclared war, civil war, insurrection
Self-inflicted harm or attempted suicide
Commission of illegal acts

Only 4 delay causes qualify: weather, equipment failure, strike, and hijacking. FAA groundstops and airline operational decisions do not count.

Deductible : No deductible

The Common Carrier ticket must be charged all or in part to the Covered Card Delay must be at least 6 hours or require an overnight stay Delay must be caused by equipment failure, inclement weather, strike, or hijacking Receipts required for all claimed expenses Notify chasecardbenefits.com or call 1-800-350-1697 within 60 days of the delay; submit documents within 100 days

Reimburses reasonable expenses when your Common Carrier is delayed 6 or more hours, or when an overnight stay is forced, due to equipment failure, inclement weather, strike, or hijacking. Maximum $500 per Covered Traveler per trip (not per day). Save all receipts. Coverage is secondary.

What's covered

Meals, lodging, toiletries, and medication during the covered delay
Cardholder and covered family travelers on the same itinerary

What's not covered

Delays caused by FAA groundstops, overbooking, or airline operational decisions not caused by a covered hazard
Expenses not backed by receipts
Expenses reimbursable by the Common Carrier or another party
No coverage on the return leg to the point of origin

No missed connection benefit. This benefit is not included with this card. All rebooking and out-of-pocket costs from a missed connection are the cardholder's responsibility.

What's not covered

No standalone missed connection reimbursement

No early return benefit. This benefit is not included with this card. All additional transportation costs for returning home early are the cardholder's responsibility.

What's not covered

No dedicated early return airfare coverage

Outbound leg only. If your bag is delayed on the way home, nothing is covered.

Deductible : No deductible

Delay must be reported to the Common Carrier to be eligible Delay must be 6 or more hours from the time the Covered Traveler arrives at the destination Common Carrier ticket must be charged all or in part to the Covered Card Notify chasecardbenefits.com within 20 days of the delay; submit documents within 90 days Secondary benefit

Reimburses emergency purchases of essential personal items when your checked bag is delayed 6 or more hours. Maximum $100 per day for up to 5 days ($500 total). Covered items: toiletries, a change of clothes, and chargers for electronic devices (one per device per trip). Cameras, video recorders, and recreational equipment are excluded. Coverage applies on the outbound leg only.

What's covered

Toiletries, one change of clothes, and chargers for electronic devices (one per device)
Applies from Trip Departure Date to Trip Completion Date

What's not covered

No coverage on the return trip to the point of origin
Cameras, video recorders, and other electronic equipment
Recreational equipment for sport, hobby, game, or excursion
Jewelry and watches
Hearing aids, artificial teeth, dental bridges, or prosthetic devices
Documents, money, securities, checks, travelers checks, and valuable papers
Business samples

Two sub-limits apply within the $3,000 cap: $500 for jewelry and watches, and $500 for cameras and electronics. These are not additional limits.

Deductible : No deductible

For Checked Baggage: report the loss or damage to the Common Carrier before leaving the baggage claim area; a Property Irregularity Report is required to file For Carry-On Baggage: report the loss to the Common Carrier as soon as you exit the aircraft Common Carrier ticket must be charged all or in part to the Covered Card Notify chasecardbenefits.com or call 1-800-350-1697 within 20 days of the loss; submit all documents within 90 days Secondary benefit

Reimburses the actual cash value of Checked Baggage and Carry-On Baggage that is lost, damaged, or stolen, up to $3,000 per Covered Traveler per trip. Two sub-limits are part of the $3,000 cap (not additional): $500 for jewelry and watches, and $500 for cameras and other electronic equipment. Coverage is secondary.

What's covered

Checked baggage (from check-in through retrieval at destination)
Carry-on baggage (from boarding through exit of the aircraft)
Cardholder and covered family travelers on the same itinerary

What's not covered

Items you left on the Common Carrier yourself
Documents and valuable papers
Money, securities, tickets, checks, and travelers checks
Furs
Losses caused by war, civil war, insurrection, rebellion, or warlike acts

Deductible : No deductible

Common Carrier fare charged all or in part to the Covered Card and/or redeemable Rewards 24-Hour coverage applies from Trip Departure Date for up to 30 days; reactivates when the Covered Traveler begins the return journey Loss must occur within one year of the Accident Covered Travelers: cardholder and Family Members (spouse, children, parents, siblings, grandparents, grandchildren, aunts, uncles, nieces, nephews)

Two coverage tiers. Common Carrier Travel Accident: $1,000,000 per Covered Traveler when riding as a fare-paying passenger on a Common Carrier paid with the card. 24-Hour Travel Accident: $100,000 per Covered Traveler for any accident during a trip of up to 30 days. Both tiers cover loss of life, limb, sight, speech, or hearing. The highest applicable benefit is paid.

What's covered

Loss of life, limb, sight, speech, or hearing
Common Carrier coverage: $1,000,000 as a paying passenger on a licensed commercial aircraft, train, ferry, or bus
24-hour travel accident coverage: $100,000 throughout the trip for up to 30 days
Courtesy Transportation to/from the departure terminal is included under Common Carrier coverage

What's not covered

Acting as a pilot or crew member of an aircraft
Emotional trauma, mental illness, disease, pregnancy, childbirth, or miscarriage
Commission or attempted commission of any illegal act or felony
Being incarcerated
Motorized vehicular racing or speed contests
Commuting between home and regular place of employment
Professional sporting activities for salary or prize money
Rocket-propelled or rocket-launched aircraft
Suicide or intentionally self-inflicted injury
Declared or undeclared war or civil war

No hotel theft protection. This benefit is not included with this card. All costs from theft of belongings from hotel rooms or accommodations are the cardholder's responsibility.

What's not covered

No hotel theft protection

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Chase Sapphire Reserve wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Sapphire ReserveThis card3.9/5?

$795/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Chase Sapphire Reserve stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Sapphire Reserve shoppers also consider.

Card	This card Sapphire Reserve Chase · $795/yr 3.9/5?	Sapphire Reserve Business Chase · $795/yr 3.7/5?	Delta SkyMiles Reserve American Express · $650/yr 2.8/5?	Ritz-Carlton Chase · $450/yr 3.6/5?
Trip cancellation Per person, per trip cap	$10,000 per person 13 covered reasons	$10,000 per person All prepaid travel	$10,000 per trip 7 covered reasons	$10,000 per person All prepaid travel (hotels + flights)
Emergency medical Hospital bills abroad	$2,500 \| $50 deductible $50 deductible	$2,500 Reimbursement only	N/A	$2,500 Reimbursement only, $50 deductible
Emergency evacuation Air ambulance + repatriation	$100,000 \| pre-auth required Pre-authorization required	$100,000 Pre-authorization required	N/A	$100,000 Pre-authorization required
Trip delay trigger Hours before benefits kick in	$500 after 6 hours Trigger: 6 hours	6h / $500 Trigger: 6 hours or overnight	6h / $500 Trigger: 6 hours	6h / $500 Trigger: 6 hours or overnight stay
Rental CDW Primary or secondary	Primary / $75,000 Primary coverage	Primary / $75,000 Primary coverage	Primary / $75,000 Primary outside US	Primary / $75,000 Primary coverage worldwide

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/creditcards

March 2025

Trip cancellation paid quickly, no hassle

Cancelled a European trip due to a family medical emergency. Filed the claim on chasecardbenefits.com, uploaded the physician statement and supplier invoices, got reimbursed $7,400 in about 3 weeks. Zero friction. The 13 covered reasons list is real and the process worked exactly as described.

r/creditcards

January 2025

$2,500 medical limit is a real gap for serious injuries

Broke my arm skiing in Japan. ER visit, cast, two follow-up appointments. Total cost: $9,200. Got back $2,450 from Chase after the $50 deductible. Had to cover the other $6,750 out of pocket. $2,500 sounds like coverage but it really isn't for anything involving a hospital outside the US.

CFPB complaint database

2024

Evacuation denied because I didn't pre-authorize

I was hospitalized in Thailand and the doctor recommended air transport to Singapore for specialized care. I arranged it myself and figured I'd file after. Claim denied entirely: pre-authorization from the benefit administrator is required BEFORE transport is arranged, not after. Nowhere does the card marketing make this obvious. Lost $34,000.

US Assistance

1-800-350-1697

Toll-free · 24/7

International Assistance

001-214-503-2954

Collect calls accepted · 24/7

Benefit administrator: Virginia Surety Company, Inc. (Assurant) via chasecardbenefits.com

Claims & pre-authorizations

How to file a Chase Sapphire Reserve claim

Step 1: Notify within 20 days

Contact chasecardbenefits.com or call 1-800-350-1697 (US) or 001-214-503-2954 (international) within 20 days of the incident. For trip delay claims: notify within 60 days. For trip cancellation, document the cancellation reason immediately. For rental car damage: notify within 20 days of the incident and do not authorize repairs before notifying the administrator.

Step 2: Gather your documents

Collect your Chase card billing statement showing the covered fare or purchase, proof of the covered reason (physician statement, police report, military orders, carrier documentation), itemized supplier invoices showing amounts billed and written denial of refund from each supplier, and all receipts for expenses being claimed. For evacuation: retain physician recommendation and proof of pre-authorization.

Step 3: Submit proof of loss within 90 days

Upload all documentation to chasecardbenefits.com or mail to Virginia Surety Company, Inc. (Assurant) within 90 days of notifying the administrator. Claims are typically resolved within 3 to 8 weeks depending on document completeness. Keep copies of all submitted documents. For disputed decisions, escalation instructions are provided in the Guide to Benefits.

Chase Sapphire Reserve rental car coverage is primary CDW. That means the card pays before your personal auto insurance, not after. You file directly with chasecardbenefits.com after any covered incident. Your personal insurer is never involved and your premium is not affected. Coverage caps at $75,000, applies for up to 31 consecutive days worldwide, and requires you to decline the rental agency's own CDW at the counter and charge the full rental to the card. Some countries do not allow you to waive CDW at the counter: request a letter of coverage from chasecardbenefits.com in advance. Excluded vehicle classes include motorcycles, cargo vans, antique cars, and car-sharing platforms.
Trip cancellation reimburses non-refundable prepaid trip expenses up to $10,000 per person ($20,000 per trip) when a covered reason prevents departure. The card covers 13 reasons: illness, injury, or death of the traveler or Traveling Companion; a life-threatening condition of a Family Member; severe weather; named storm warnings; jury duty; military orders; quarantine; terrorist incident within 25 miles of the departure airport or destination within 30 days of arrival; US Government travel warning due to terrorism within 10 days of departure; home made uninhabitable; destination lodging uninhabitable; and organized strike canceling 20% or more of the scheduled trip. Covered travelers do not need to travel with the primary cardholder. Pre-existing conditions (any condition treated within 60 days of initial deposit) are excluded with no waiver available.
Yes, but with significant limitations. The card reimburses emergency medical and dental expenses up to $2,500 per trip, subject to a $50 deductible. Coverage is reimbursement-only: you advance the full cost and file afterward through chasecardbenefits.com. For context, a single ER visit in France or Japan typically costs $5,000 to $15,000. The $2,500 limit covers a minor urgent care visit abroad, not a hospital stay. Pre-existing conditions (treated within 60 days before the trip) are excluded with no waiver available. The card's travel and emergency assistance line (1-800-350-1697) can help coordinate care but does not pay any medical bills. For meaningful international medical coverage, standalone travel medical insurance starting at $100,000 per person is recommended.
If your covered Common Carrier is delayed more than 6 hours or requires an overnight stay, the card reimburses reasonable expenses for meals, lodging, toiletries, and medication up to $500 per traveler per trip. Covered delay causes: equipment failure, inclement weather, strike, or hijacking. The 6-hour trigger is faster than the 12-hour standard on most US travel cards. The benefit covers the cardholder and covered family travelers on the same itinerary. FAA groundstops and airline operational decisions not caused by the above hazards are not covered. There is no coverage on the return leg. Notify chasecardbenefits.com within 60 days and keep all receipts.
Yes, up to $100,000 for emergency medical evacuation. There is one critical requirement most cardholders miss: evacuation must be pre-authorized by the service provider before any transport is arranged. Call 1-800-350-1697 before any evacuation takes place. Costs incurred without prior approval are not reimbursed under any circumstances. The trip must be at least 5 days, no more than 60 days, and at least 100 miles from your primary residence. If hospitalized more than 8 days, one companion's round-trip economy fare is also covered. Repatriation of remains is covered up to $1,000.
Yes. Purchase protection covers theft, damage, and involuntary and accidental parting of eligible items for 120 days from the purchase date, up to $10,000 per item and $50,000 per calendar year. Zero deductible. The 120-day coverage window is longer than the 90-day standard on most cards. Coverage is secondary, excess over homeowner's or renter's insurance. Mysterious disappearance is excluded: if an item went missing without evidence of theft or damage, the claim is denied. To file a claim, contact chasecardbenefits.com or call 1-800-350-1697 within 20 days of the loss; submit full documentation within 90 days.
No. Cell phone protection is not included with the Chase Sapphire Reserve. Even if you pay your monthly wireless bill with this card, damage or theft of your phone is not covered. For cell phone protection, consider the Chase Freedom Flex (up to $800 per claim, $50 deductible, when the monthly bill is paid on the card) or a standalone phone insurance plan through your carrier.
The extended warranty benefit adds 1 additional year to the original US manufacturer warranty for eligible items with warranties of 3 years or less. Maximum $10,000 per item. The extended coverage begins at the end of the original warranty period. If the original warranty is 4 years or longer, no extension is provided. If a combination of the original warranty plus any service contracts you have already purchased exceeds 3 years, no extension is provided. Maximum coverage from all warranties combined (manufacturer plus card) is 4 years from the purchase date. File claims through chasecardbenefits.com.
All Chase Sapphire Reserve insurance claims are filed through chasecardbenefits.com or by calling 1-800-350-1697 (from the US) or 001-214-503-2954 (collect from abroad). Benefits are administered by Virginia Surety Company, Inc. (Assurant). Notify the administrator within 20 days of the incident for most benefits; for trip delay, notify within 60 days. Submit full documentation within 90 days of notification. Required documents typically include: your card billing statement showing the covered purchase or fare, proof of the covered reason (physician statement, police report, military orders, or carrier documentation), and itemized receipts for all claimed expenses. For trip cancellation specifically, include written denial of refund from each travel supplier and itemized supplier invoices.