Chase Sapphire Preferred® Travel Insurance: Up to $10,000 per Covered Traveler, $20,000 per Trip, $40,000 per 12-month period per Account Cancellation

The Sapphire Reserve's travel insurance is broad — trip cancellation up to $10,000 per person, trip delay up to $500, baggage delay, lost luggage, and $100,000 in medical evacuation coverage. On paper, it's one of the most complete packages on any travel card.
The number that requires context is the $2,500 emergency medical limit. That sounds like a benefit until you realize a single ER visit abroad can easily exceed that amount, and a medical evacuation averages over $200,000. The $2,500 might cover a clinic visit or an urgent prescription, but it won't make a meaningful dent in a serious medical event. Think of it as a first-response buffer, not actual medical insurance.
For international trips, a standalone travel medical policy (around $5/day) fills the gap entirely. The trip delay benefit is where this card quietly outperforms most competitors: $500 per person kicks in after just 6 hours, covering meals, hotels, and essentials. Keep every receipt — that's what makes or breaks a delay claim.