Chase Sapphire Preferred is a popular credit card choice for travelers due to its travel insurance benefits. This article will delve into the details of Chase Sapphire Preferred travel insurance, including coverage, benefits, how to qualify, and a comparison with the Chase Sapphire Reserve card.
Chase offers travel insurance through the Sapphire Preferred credit card for trip expenses such as airline tickets, hotel accommodations, and more. The travel insurance coverage includes trip cancellations, interruptions, delays, accidents, and more. While Chase has competitive luggage loss limits compared to other top travel insurance providers, the Sapphire Preferred card does not offer emergency medical and evacuation coverage. Additionally, there is a $95 annual fee for the card.
To qualify for Chase Sapphire Travel Insurance, you need to apply for the card on Chase’s website and provide personal information such as your name, address, contact information, and annual income. The travel insurance benefits apply to the cardholder and their immediate family during their travels. If you have a Chase Sapphire Reserve card, you can also qualify for travel protection benefits, although the benefits differ between the two cards.
Chase Sapphire Preferred travel insurance coverage includes trip cancellation, interruption, baggage delay, trip delay, and accident insurance. The coverage limits vary for each benefit, with trip cancellation and interruption coverage up to $10,000 per person and $20,000 per trip. The card also offers rental car collision damage coverage and accident insurance up to $500,000.
However, Chase Sapphire Preferred does not provide emergency medical care or evacuation coverage. If you require comprehensive travel medical insurance, you may need to consider other options. The article recommends International Medical Group (IMG) for comprehensive travel medical insurance coverage.
In comparison, the Chase Sapphire Reserve card offers similar travel insurance benefits with higher coverage limits for some benefits such as accident insurance and emergency evacuation. The article provides a detailed breakdown of the benefits offered by both cards for easy comparison.
If you need to file a claim with Chase Sapphire Travel Insurance, you can contact Chase, prepare the necessary documents, and submit your claim for approval and reimbursement. The process may vary in time, so it’s essential to submit your claim as soon as possible.
In conclusion, whether you should get a Chase Sapphire Preferred card for travel insurance depends on your travel needs and budget. While the card offers valuable travel insurance benefits, it may not be the best option for emergency medical coverage or extreme sports protection. Consider your travel requirements before choosing travel insurance coverage.
The article also includes a methodology section explaining how travel insurance companies are rated based on factors such as cost, plan availability, coverage details, coverage times and amounts, and company service and reviews. Additionally, it provides more resources for Chase Bank customers to explore.