What To Know
- Coverage up to $10,000 per person for non-refundable trip expenses if you cancel or your trip is interrupted due to covered reasons (e.
- If you determine that Chase Sapphire Preferred travel insurance is not sufficient for your needs, consider purchasing additional coverage from a third-party travel insurance provider.
- Yes, Chase Sapphire Preferred travel insurance covers trip cancellation due to COVID-19 if you or a family member tests positive or is quarantined.
Planning a trip? Ensure you have adequate travel insurance to protect yourself against unexpected events. If you’re a Chase Sapphire Preferred cardholder, you’ll have access to valuable travel insurance benefits. But is Chase Sapphire Preferred travel insurance enough to meet your needs? This comprehensive guide will delve into the coverage, exclusions, and limitations of this insurance, helping you make an informed decision about whether it’s sufficient for your travel plans.
Coverage Provided by Chase Sapphire Preferred Travel Insurance
Medical and Dental Coverage:
- Emergency medical and dental expenses up to $100,000 per person
- Emergency medical evacuation and repatriation up to $500,000 per person
Trip Cancellation and Interruption:
- Coverage up to $10,000 per person for non-refundable trip expenses if you cancel or your trip is interrupted due to covered reasons (e.g., illness, weather, terrorism)
Baggage Delay and Loss:
- Coverage up to $3,000 per person for lost, stolen, or delayed baggage
- Reimbursement for essential purchases made during a baggage delay
Trip Delay:
- Coverage up to $500 per person for expenses incurred due to a trip delay of 12 hours or more
Exclusions and Limitations of Chase Sapphire Preferred Travel Insurance
Pre-Existing Conditions:
- Pre-existing medical conditions are not covered unless they are stabilized before the trip.
High-Risk Activities:
- Activities such as skydiving, bungee jumping, and scuba diving are excluded from coverage.
Age Restrictions:
- Coverage is not available for persons under 18 or over 70 years of age.
Coverage Limits:
- The coverage limits mentioned above may not be sufficient for all travelers or trips.
Factors to Consider When Evaluating Coverage
When determining if Chase Sapphire Preferred travel insurance is enough for you, consider the following factors:
- Destination: Some destinations may pose higher risks, requiring more comprehensive coverage.
- Length of Trip: Longer trips may require higher coverage limits.
- Health and Age: Individuals with pre-existing conditions or who are over 70 years old may need additional coverage.
- Trip Value: The value of your trip should be considered when determining the appropriate coverage limit.
When Chase Sapphire Preferred Travel Insurance May Not Be Enough
In certain situations, Chase Sapphire Preferred travel insurance may not provide adequate coverage. These include:
- High-value trips: If your trip expenses exceed the coverage limits, you may need additional insurance.
- Pre-existing conditions: If you have a pre-existing medical condition, you may need specialized travel insurance that covers it.
- Adventure travel: If you plan on engaging in high-risk activities, you’ll need insurance that specifically covers them.
Additional Coverage Options
If you determine that Chase Sapphire Preferred travel insurance is not sufficient for your needs, consider purchasing additional coverage from a third-party travel insurance provider. This can provide:
- Higher coverage limits
- Coverage for pre-existing conditions
- Coverage for high-risk activities
How to File a Claim
To file a claim under Chase Sapphire Preferred travel insurance, follow these steps:
1. Contact Chase directly via phone or online.
2. Provide documentation supporting your claim, such as medical records or receipts.
3. Submit your claim within 90 days of the incident.
Questions You May Have
Q: Does Chase Sapphire Preferred travel insurance cover trip cancellation due to COVID-19?
A: Yes, Chase Sapphire Preferred travel insurance covers trip cancellation due to COVID-19 if you or a family member tests positive or is quarantined.
Q: What is the maximum coverage for emergency medical expenses?
A: The maximum coverage for emergency medical expenses is $100,000 per person.
Q: How do I know if my pre-existing condition is covered?
A: Pre-existing medical conditions are not covered unless they are stabilized before the trip. Contact Chase for more information.
