Chase Sapphire Preferred is a popular travel rewards credit card that offers many benefits for travelers. One of the benefits that cardholders may be interested in is travel insurance. In this article, we will explore whether Chase Sapphire Preferred provides travel insurance and what coverage is included.
Trip Cancellation and Interruption Insurance
Chase Sapphire Preferred provides trip cancellation and interruption insurance to its cardholders. This coverage applies if the cardholder needs to cancel or interrupt their trip due to a covered reason, such as illness, injury, or severe weather. The coverage provides reimbursement for non-refundable travel expenses, such as airfare, hotels, and tours.
The coverage is limited to $10,000 per person and $20,000 per trip. To qualify for coverage, the trip must be paid for with the Chase Sapphire Preferred card or with Ultimate Rewards points. Additionally, the cardholder must provide documentation of the covered reason for cancellation or interruption, such as a doctor’s note or a weather report.
It’s important to note that the coverage does not apply to voluntary changes to travel plans or to situations that are not considered covered reasons. Cardholders should carefully review the policy to understand what is and isn’t covered.
Travel Accident Insurance
Chase Sapphire Preferred also provides travel accident insurance to its cardholders. This coverage provides accidental death and dismemberment coverage for the cardholder and their immediate family members while traveling on a common carrier, such as a plane, train, or bus.
The coverage is limited to $500,000 per person and applies to accidental death or dismemberment that occurs while traveling. It does not cover situations that occur outside of travel, such as accidents at home or at work.
To qualify for coverage, the cardholder must use their Chase Sapphire Preferred card to purchase the travel ticket. Additionally, the coverage applies only to the cardholder and their immediate family members, such as a spouse or children. It’s important to review the policy to understand the limitations and exclusions of the coverage.
In summary, Chase Sapphire Preferred provides trip cancellation and interruption insurance and travel accident insurance to its cardholders. These coverages provide protection for non-refundable travel expenses and accidental death or dismemberment while traveling on a common carrier. Cardholders should review the policy carefully to understand what is and isn’t covered and to ensure that they meet the requirements for coverage.
Baggage Delay Insurance
Chase Sapphire Preferred also provides baggage delay insurance to its cardholders. This coverage applies if the cardholder’s baggage is delayed for more than six hours while traveling. The coverage provides reimbursement for essential purchases, such as clothing, toiletries, and other necessary items.
The coverage is limited to $100 per day for up to five days. To qualify for coverage, the cardholder must use their Chase Sapphire Preferred card to purchase the travel ticket. Additionally, the coverage applies only to the cardholder and their immediate family members, such as a spouse or children.
It’s important to note that the coverage applies only to delayed baggage, not lost or stolen baggage. Cardholders should also keep receipts for any essential purchases made during the delay, as they will be required for reimbursement.
Trip Delay Reimbursement
Chase Sapphire Preferred also provides trip delay reimbursement to its cardholders. This coverage applies if the cardholder’s trip is delayed for more than 12 hours due to a covered reason, such as severe weather or a mechanical breakdown of a common carrier.
The coverage provides reimbursement for reasonable expenses, such as meals and lodging, that the cardholder incurs during the delay. The coverage is limited to $500 per ticket and applies only to the cardholder and their immediate family members.
To qualify for coverage, the cardholder must use their Chase Sapphire Preferred card to purchase the travel ticket. Additionally, the coverage applies only to delays that are caused by covered reasons, and the cardholder must provide documentation of the delay and the expenses incurred.
In summary, Chase Sapphire Preferred provides baggage delay insurance and trip delay reimbursement to its cardholders. These coverages provide protection for essential purchases during baggage delays and reasonable expenses during trip delays. Cardholders should review the policy carefully to understand what is and isn’t covered and to ensure that they meet the requirements for coverage.
Pre-Existing Medical Condition Coverage
Chase Sapphire Preferred provides pre-existing medical condition coverage to its cardholders. This coverage applies if the cardholder or their immediate family member has a pre-existing medical condition that causes them to cancel or interrupt their trip.
The coverage provides reimbursement for non-refundable travel expenses, such as airfare, hotels, and tours. The coverage is limited to $10,000 per person and $20,000 per trip.
To qualify for coverage, the cardholder must use their Chase Sapphire Preferred card to purchase the travel ticket or pay for the trip with Ultimate Rewards points. Additionally, the cardholder or their family member must be medically stable at the time of purchasing the travel ticket.
It’s important to note that the coverage applies only to pre-existing medical conditions that are disclosed to the insurance provider at the time of purchasing the travel ticket. Cardholders should review the policy carefully to understand what is and isn’t covered and to ensure that they meet the requirements for coverage.
Any Reason Trip Cancellation Insurance
Chase Sapphire Preferred also provides any reason trip cancellation insurance to its cardholders. This coverage applies if the cardholder needs to cancel their trip for any reason that is not covered by the other trip cancellation and interruption insurance.
The coverage provides reimbursement for non-refundable travel expenses, such as airfare, hotels, and tours. The coverage is limited to 60% of the non-refundable travel expenses and is subject to a maximum of $10,000 per trip.
To qualify for coverage, the cardholder must use their Chase Sapphire Preferred card to purchase the travel ticket or pay for the trip with Ultimate Rewards points. Additionally, the cardholder must cancel the trip at least 48 hours before the scheduled departure date.
It’s important to note that the coverage applies only to cancellations that are made at least 48 hours before the scheduled departure date. Cardholders should review the policy carefully to understand what is and isn’t covered and to ensure that they meet the requirements for coverage.
In summary, Chase Sapphire Preferred provides pre-existing medical condition coverage and any reason trip cancellation insurance to its cardholders. These coverages provide protection for cancellations and interruptions due to medical conditions or any other reason. Cardholders should review the policy carefully to understand what is and isn’t covered and to ensure that they meet the requirements for coverage.
Conclusion
Chase Sapphire Preferred does provide travel insurance to its cardholders through its benefits package. The coverage includes trip cancellation and interruption insurance, travel accident insurance, baggage delay insurance, and trip delay reimbursement. However, it’s important to understand the limitations and exclusions of the coverage before relying on it for travel protection.
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