Credit Cards that offer travel accident insurance

Quick insights

Travel insurance policies may come with several different kinds of coverages, including travel accident insurance. This coverage may provide a payout if death or injury occurs while you’re traveling.

Some travelers opt to purchase a policy with this coverage, but you may be able to get travel accident insurance through a travel rewards credit card. Chase Sapphire Reserve^® and Chase Sapphire Preferred^® both come with accidental death and dismemberment coverage as part of their Travel Accident Insurance benefit.

This article gives an overview of what to know about travel accident insurance to make your next trip less stressful.  

What is travel accident insurance?

When an accident happens during a trip, travel accident insurance can protect you against a range of losses. It generally includes accidental death and dismemberment coverage.

Some credit cards offer travel insurance as a cardmember benefit. Coverage typically applies when you use the eligible card or its rewards to pay for your ticket on a flight, bus, train or cruise. Family members may also be covered if your purchase their fares with the card or rewards.

What’s covered by credit card travel accident insurance

Some credit cards include travel accident insurance. The Common Carrier Travel Accident Insurance benefit generally provides financial compensation if, during a covered trip, you suffer an accidental loss of life, limb, sight, speech or hearing while traveling as a fare‑paying passenger on an airline, bus, train, or cruise operated by a licensed common carrier. In addition, some cards offer 24‑Hour Travel Accident Insurance, which can apply for the entire duration of your trip, not just while you are on the Common Carrier. Coverage limits for 24‑hour protection are often lower than those for Common Carrier coverage.

The payout may vary by covered loss. For example, if you have $1,000,000 as the maximum benefit amount, a loss of life could result in the full payout to a designated beneficiary or the covered traveler’s estate. However, you may get a lesser payout for loss of hearing.

You may find some variation in the coverages for travel accident insurance. You can see exact details for coverage, limitations and payouts by reviewing the insurance policy or your credit card’s Guide to Benefits.

Chase credit cards with travel accident insurance

If you’re looking for credit cards with travel accident insurance, Chase has a few options in the travel rewards credit card category. Chase Sapphire^® Travel Accident Insurance may make your next trip less stressful.

Chase Sapphire Reserve^® Travel Accident Insurance

Chase Sapphire Reserve provides cardmembers with up to $1,000,000 in coverage for accidental death and dismemberment. In addition to Travel Accident Insurance, the card also comes with a comprehensive suite of travel protection benefits:

Cardmember travel benefits are complimentary. Cardmembers must use their Chase Sapphire Reserve card to pay for air, cruise or other carrier fare for themselves or any family members for any coverage to apply.

You may find that Chase Sapphire Reserve provides exceptional credit card rewards for travel. The card features a $300 annual travel credit and complimentary airport lounge access. For purchases made through Chase Travel^℠, after the first $300 is spent annually, cardmembers can earn:

Chase Sapphire Preferred^® Travel Accident Insurance

Death and dismemberment coverage is available with Chase Sapphire Preferred up to $500,000. Alongside Travel Accident Insurance, cardmembers also receive these complimentary travel benefits:

The travel fare must be purchased with a Chase Sapphire Preferred card for the coverage to apply.

Cardmembers may get these premium dining and travel rewards on eligible purchases:

It may be helpful to evaluate the rewards, benefits, perks and other features to determine the right travel rewards credit card for you.

Benefits of Chase Sapphire Travel Accident Insurance and other travel insurance benefits

If you apply and qualify for a Chase Sapphire card, you get built-in credit card benefits like Travel Accident Insurance. The suite of travel benefits may make you feel more confident when you travel and may help limit any liabilities when your trip doesn’t go as planned. You may also feel reassured knowing that eligible purchases may be reimbursed when things go wrong.

Filing a claim for Chase Sapphire’s Travel Accident Insurance

The first step to filing a claim is to reach out to the benefit administrator as soon as possible after a covered loss occurs. You can find the contact information in your Guide to Benefits or by calling the number on the back of your card.

The benefit administrator will ask a few questions and advise what documentation is needed. You may be asked to provide:

It’s possible you may be asked to submit additional documentation.

In summary

Travel accident insurance may include coverage for accidental death and dismemberment. You may be able to get this insurance as a benefit with a credit card. Chase offers this travel protection to Chase Sapphire Reserve and Chase Sapphire Preferred cardmembers.