Travel Accident Insurance with Chase Sapphire Reserve Explained
Quick insights
- Chase Sapphire Reserve® comes with up to $1,000,000 in Travel Accident Insurance.
- The insurance covers accidental death and dismemberment during travel.
- Travel Accident Insurance is one of several benefits that are complimentary to cardmembers.
When considering travel rewards credit cards, travelers often focus on the rewards, but credit cards sometimes offer travel and purchase protections as a complimentary cardmember benefit. Chase Sapphire Reserve® comes with several built-in benefits around travel insurance, including Travel Accident Insurance.
Let’s unpack how to get the most out of your Travel Accident Insurance benefit.
What is Chase Sapphire Reserve’s Travel Accident Insurance?
If you have a Chase Sapphire Reserve credit card, you get Travel Accident Insurance as part of a suite of cardmember benefits. The insurance provides accidental death and dismemberment coverage for up to $1,000,000.
This coverage offers financial protection in the event of death or injury during travel. You may find that Travel Accident Insurance gives you peace of mind when you’re on a trip.
Please note that Chase Sapphire Reserve’s Travel Accident Insurance refers only to accidental death and dismemberment coverage, not emergency medical coverage. Cardmembers can potentially get reimbursed for emergency care during travel through a separate Emergency Medical and Dental Benefit.
How to use your Travel Accident Insurance benefit
Before you use your Travel Accident Insurance benefit, it may be helpful to know how travel insurance works on a credit card. You don’t need to sign up to activate the travel protections that come with your Chase Sapphire Reserve credit card. Simply pay for your ticket to travel by air, cruise, train or bus with your credit card or rewards, and the Travel Accident Insurance will activate.
Your immediate family members are also eligible when you pay for their tickets with your credit card, rewards points or miles.
See below for details on how to file a claim if you find yourself in need of this benefit.
What’s covered by Chase Sapphire Reserve Travel Accident Insurance
The Chase Sapphire Reserve Travel Accident Insurance provides accidental death and dismemberment coverage. This covers accidental loss of life, limb, sight, speech or hearing with a maximum benefit amount of $1,000,000.
The $1,000,000 benefit amount is through Common Carrier Travel Accident Insurance, which applies when you’re a passenger in transit with a carrier like an airline. You also have 24 Hour Travel Accident Insurance with up to $100,000 in coverage, which applies to the duration of a covered trip.
You may receive 100% of the loss of life benefit amount for these losses:
- Loss of speech and loss of hearing
- Loss of speech or hearing and loss of one hand, foot or sight in one eye
- Loss of both hands
- Loss of both feet
- Loss of sight in both eyes
- Loss of a combination of any two of a loss of hand, loss of foot or loss of sight in one eye
These losses may pay out 50% of the loss of life benefit amount:
- Loss of one hand
- Loss of one foot
- Loss of sight in one eye
- Loss of speech
- Loss of hearing
A loss of thumb and index finger on the same hand may pay 25% of the loss of life benefit amount.
For full coverage details, review the Chase Sapphire Reserve Guide to Benefits.
Additional travel insurance benefits for Chase Sapphire Reserve cardmembers
As a cardmember, you get several complimentary Chase Sapphire travel insurance benefits that may offer financial protection during trips. In addition to Travel Accident Insurance, your card comes with these benefits:
- Auto Rental Coverage
- Trip Cancellation and Interruption Insurance
- Trip Delay Reimbursement
- Travel and Emergency Assistance
- Lost Luggage Reimbursement
- Baggage Delay Insurance
- Emergency Evacuation and Transportation
- Roadside Assistance
- Emergency Medical and Dental Benefit
You get additional protections for injury during travel through your Emergency Evacuation and Transportation and Emergency Medical and Dental Benefit.
Emergency Evacuation and Transportation may cover up to $100,000 for an emergency evacuation if you or your immediate family members become sick during a trip. The Emergency Medical and Dental Benefit may reimburse you up to $2,500 in medical expenses if you or your immediate family members become sick or injured 100 miles or more from home.
Chase Sapphire Reserve also offers travel rewards, perks and more.
Filing a claim with Travel Accident Insurance
The first step to filing a claim is to contact the Benefit Administrator within 20 days of an accident or as soon as reasonably possible. You’ll find the contact information in your Guide to Benefits.
Within 90 days of the accident, you’ll need to submit any requested documentation to prove that any loss occurred. You may be asked to provide the following:
- Travel itinerary
- Police report confirming accident
- Credit card statement with charge for common carrier’s fare
- Copy of death certificate
In summary
The Chase Sapphire Reserve credit card comes with up to $1,000,000 in accidental death and dismemberment coverage through the Travel Accident Insurance benefit. You get additional travel protections through the card’s other travel insurance benefits. Please keep in mind that the card comes with an annual fee. You may find that these cardmember benefits give you peace of mind on your next trip. Terms apply. See your Guide to Benefits for full coverage details.
