Chase Travel Insurance Reserve

Chase Travel Insurance Reserve offers a comprehensive suite of travel protection benefits to cardholders, providing peace of mind and financial security for their journeys. This insurance program, specifically designed for the Chase Sapphire Reserve cardholders, aims to mitigate the risks and uncertainties associated with travel, covering a range of scenarios from trip cancellations to medical emergencies. In this article, we delve into the details of Chase Travel Insurance Reserve, exploring its coverage, eligibility, and the steps involved in utilizing its benefits.
Comprehensive Coverage for Chase Sapphire Reserve Cardholders

The Chase Travel Insurance Reserve program extends its coverage to various aspects of travel, ensuring that cardholders are protected throughout their journey. Here's an overview of the key coverage areas:
Trip Cancellation and Interruption
One of the primary benefits of Chase Travel Insurance Reserve is its coverage for trip cancellations and interruptions. This includes reimbursement for non-refundable trip costs if the trip needs to be canceled or interrupted due to unforeseen circumstances, such as severe weather, natural disasters, or personal emergencies. The insurance covers expenses like airfare, hotel accommodations, and pre-paid tours or activities.
To be eligible for trip cancellation coverage, cardholders must charge at least one trip component to their Chase Sapphire Reserve card. For trip interruption claims, the entire trip must be paid for with the card. It's important to note that trip cancellation coverage does not extend to situations where the traveler simply changes their mind about the trip or decides to cancel for personal reasons.
Trip Cancellation Coverage | Up to $10,000 per person, $20,000 per trip |
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Trip Interruption Coverage | Up to $5,000 per person, $10,000 per trip |

Emergency Medical and Dental Coverage
Chase Travel Insurance Reserve provides essential medical and dental coverage for cardholders when they are traveling. This coverage includes reimbursement for emergency medical and dental expenses incurred during the trip, ensuring that travelers can access necessary healthcare services without worrying about the financial burden.
The insurance covers a wide range of medical expenses, including physician visits, hospital stays, surgical procedures, and prescription medications. It also covers emergency dental services, providing relief for unexpected dental issues that may arise during travel.
Medical Coverage | Up to $250,000 per person |
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Dental Coverage | Up to $500 per person |
Baggage Delay and Loss Protection
Baggage delay and loss are common concerns for travelers. Chase Travel Insurance Reserve addresses these issues by offering protection for baggage delay and loss. If a traveler's baggage is delayed by the airline for more than 6 hours, the insurance provides reimbursement for essential purchases such as clothing and toiletries.
In the unfortunate event of baggage loss, the insurance covers the cost of replacing the items, ensuring that travelers can continue their journey without significant financial setbacks. This coverage extends to both checked and carry-on baggage.
Baggage Delay Reimbursement | $100 per day, up to 5 days |
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Baggage Loss Coverage | Up to $3,000 per person |
Travel Delay Reimbursement
Travel delays are an inevitable part of any journey. Chase Travel Insurance Reserve offers reimbursement for travel delays caused by common travel disruptions, such as severe weather, mechanical failures, or other covered reasons. This coverage ensures that cardholders can recoup expenses incurred due to unexpected delays.
Reimbursable expenses include meals, accommodations, and other essential purchases made as a result of the travel delay. The insurance provides a fixed amount per person, per day, to cover these unexpected costs.
Travel Delay Reimbursement | $500 per person, per trip |
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Rental Car Collision Damage Waiver
For cardholders who rent a car during their travels, Chase Travel Insurance Reserve provides a rental car collision damage waiver. This coverage protects cardholders from the financial liability associated with accidental damage to the rental vehicle, including theft or collision.
By utilizing this benefit, cardholders can save on additional insurance fees charged by rental car companies and have peace of mind knowing that they are covered in the event of an accident.
Eligibility and Activation

To be eligible for Chase Travel Insurance Reserve benefits, cardholders must meet certain criteria. Here's an overview of the eligibility requirements:
- Cardholder Status: The primary cardholder of a Chase Sapphire Reserve credit card must be the traveler.
- Trip Payment: At least one trip component (e.g., airfare, hotel, tour) must be charged to the Chase Sapphire Reserve card to be eligible for trip cancellation and interruption coverage.
- Trip Duration: The trip must be 30 days or less for most coverages, except for the rental car collision damage waiver, which has a maximum coverage period of 31 consecutive days.
- Travel Outside Home Country: The trip must involve travel outside the cardholder's home country for at least one night to be eligible for certain coverages.
Activating Chase Travel Insurance Reserve is a straightforward process. Cardholders can access their benefits by simply using their Chase Sapphire Reserve card to pay for eligible travel expenses. No additional enrollment or activation steps are required. However, it's essential to review the insurance terms and conditions to understand the specific eligibility criteria and coverage details.
Filing a Claim
In the event that a cardholder needs to file a claim under the Chase Travel Insurance Reserve program, the process is designed to be as seamless as possible. Here's a step-by-step guide to filing a claim:
- Contact Chase: Cardholders can initiate the claim process by contacting Chase's dedicated travel insurance claims department. The contact information is typically provided in the insurance terms and conditions or on the back of the Chase Sapphire Reserve card.
- Provide Documentation: To support the claim, cardholders will need to provide relevant documentation, such as receipts, trip itineraries, medical reports, or other supporting evidence as required by the insurance provider.
- Review and Approval: The insurance provider will review the claim and the supporting documentation. If the claim is approved, the cardholder will receive reimbursement for the covered expenses.
- Reimbursement: Reimbursement is typically provided in the form of a credit to the cardholder's Chase Sapphire Reserve account. In some cases, a check or electronic funds transfer may be used instead.
It's important to note that the claim process may vary depending on the specific coverage and the circumstances of the claim. Cardholders should always refer to the insurance terms and conditions for detailed information on the claim process and any specific requirements.
Tips for Maximizing Benefits
To make the most of the Chase Travel Insurance Reserve program, cardholders can follow these tips:
- Read the Fine Print: Familiarize yourself with the insurance terms and conditions to understand the coverage limits, exclusions, and eligibility requirements. This knowledge will help you navigate the insurance program more effectively.
- Use Your Card for Travel Expenses: Remember that trip cancellation and interruption coverage requires at least one trip component to be charged to your Chase Sapphire Reserve card. Using your card for travel expenses not only triggers this coverage but also earns you valuable rewards points.
- Keep Detailed Records: Maintain organized records of your travel expenses, itineraries, and any relevant documents. This will simplify the claim process if you need to file a claim.
- Seek Assistance: If you encounter any issues or have questions about the insurance program, don't hesitate to reach out to Chase's customer support or the dedicated travel insurance claims department. They are there to assist you and ensure a smooth experience.
Frequently Asked Questions

What is the maximum coverage amount for trip cancellation under Chase Travel Insurance Reserve?
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The maximum coverage amount for trip cancellation is 10,000 per person and 20,000 per trip. This coverage ensures that cardholders can be reimbursed for a significant portion of their non-refundable trip expenses in the event of a covered cancellation.
Does Chase Travel Insurance Reserve cover pre-existing medical conditions?
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Yes, Chase Travel Insurance Reserve provides coverage for pre-existing medical conditions, but certain conditions and limitations may apply. It’s important to review the insurance terms and conditions carefully to understand the specific coverage for pre-existing conditions.
Can I use Chase Travel Insurance Reserve for trips longer than 30 days?
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While most coverages under Chase Travel Insurance Reserve are limited to trips of 30 days or less, the rental car collision damage waiver has a maximum coverage period of 31 consecutive days. For trips exceeding 30 days, it’s recommended to explore alternative insurance options to ensure comprehensive coverage.
Are there any exclusions or limitations I should be aware of?
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Yes, like any insurance program, Chase Travel Insurance Reserve has certain exclusions and limitations. It’s crucial to review the insurance terms and conditions to understand the specific situations or expenses that may not be covered. Some common exclusions include participation in hazardous activities, intentional self-injury, and certain types of pre-existing medical conditions.
Can I purchase additional travel insurance to supplement Chase Travel Insurance Reserve?
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Yes, cardholders have the option to purchase additional travel insurance from other providers to supplement the coverage offered by Chase Travel Insurance Reserve. This can be especially beneficial for trips with specific needs or extended durations. It’s important to carefully review the terms and conditions of any additional insurance policies to ensure they provide the desired coverage.