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
Manually audited from official issuer benefit guides · Last verified Jun 2026 · Source: Chase press release 6/15/2026 (media.chase.com/news/Meet-the-New-Chase-Sapphire-Preferred) + chase.com/sapphire-cards/personal/preferred
Quick Answer
- Trip Cancellation: Up to $10,000 per Covered Traveler, $20,000 per Trip, $40,000 per 12-month period per Account
- Trip Interruption: Up to $10,000 per person, $20,000 per trip
- Emergency Medical: Not included with this card
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.
How It Compares
| Feature | This Card |
|---|---|
| Trip Cancellation | Up to $10,000 per Covered Traveler, $20,000 per Trip, $40,000 per 12-month period per Account |
| Trip Interruption | Up to $10,000 per person, $20,000 per trip |
| Emergency Medical | Not included with this card |
| Trip Delay | Up to $500 per Covered Traveler per Trip (12-hour minimum) |
| Baggage Delay | Up to $100 per day, up to 5 days (6-hour minimum) |
| Lost Luggage | Up to $3,000 per Covered Traveler per Trip. NY residents: $2,000 per bag, $10,000 maximum for all Covered Travelers per Trip. Sub-limits: $500 jewelry/watches, $500 cameras/video/electronics (included in, not additive to, per-person maximum). |
| Annual Trip Limit | $40,000 per 12-month period per Account ($10,000 per Covered Traveler, $20,000 per Trip) |
Frequently Asked Questions
Does Chase Sapphire Preferred® cover trip cancellation?
Yes, Chase Sapphire Preferred® covers trip cancellation up to Up to $10,000 per Covered Traveler, $20,000 per Trip, $40,000 per 12-month period per Account when you pay for your trip with the card. Coverage applies to specific covered reasons like illness, injury, or severe weather. Pre-existing conditions are generally excluded.
How does Chase Sapphire Preferred® trip delay coverage work?
Chase Sapphire Preferred® reimburses up to Up to $500 per Covered Traveler per Trip for delays of 12+ hours. Covered expenses include meals, lodging, and toiletries. Keep all receipts for reimbursement.
Does Chase Sapphire Preferred® cover lost luggage?
Yes, Chase Sapphire Preferred® provides up to Up to $3,000 per Covered Traveler per Trip. NY residents: $2,000 per bag, $10,000 maximum for all Covered Travelers per Trip. Sub-limits: $500 jewelry/watches, $500 cameras/video/electronics (included in, not additive to, per-person maximum). for lost luggage. Delayed baggage is also covered up to Up to $100 per day, up to 5 days for essential purchases. File a claim with the airline first, then submit to your card issuer.
What about pre-existing medical conditions?
Coverage for pre-existing conditions varies by card. Some cards exclude them entirely, while others offer coverage if you meet specific requirements like booking within a certain timeframe of your initial trip deposit.
Can I use this coverage if I book through a travel agent or OTA (Expedia, Kayak)?
Coverage usually applies if you pay the full prepaid amount directly with your eligible card, but OTAs and third-parties often complicate claims. Safest: book direct with the airline/hotel or issuer portal. Itinerary must show your card's last 4 digits and statement charge should be from the provider. Split payments or points usage may void coverage. Always verify your card's Guide to Benefits before relying on coverage.
Do I need to connect my bank account?
No. Norte analyzes coverage from our database of 200+ cards. Simply select your cards from our list — no account connections or personal financial data required.
How accurate is the coverage information?
Our database is built from official card benefit guides and policy documents. We verify coverage details regularly, but always confirm with your card issuer before making claims.
How long does the claims process typically take?
Most claims are processed within 30-45 days of submitting complete documentation. You'll typically receive initial acknowledgment within 5-7 business days.
See our complete guide to filing travel insurance claims for step-by-step help.
Related Guides
Source & Official Terms: View official benefit terms and conditions
Claims support: 1-800-493-3319
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