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Credit cards

Chase Sapphire travel insurance benefits guide 2024

Stella Shon

Glen Luke Flanagan

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Robin Saks Frankel

Updated 10:46 a.m. UTC May 28, 2024

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The Chase Sapphire suite of cards are some of the best credit cards for travel available. In addition to excellent rewards and redemption opportunities, they also offer a catalog of travel insurance benefits that can be paramount in the event of an emergency.

Whether your flight is canceled or your rental car gets a flat tire, you can tap into the complimentary benefits that come with ownership of the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® . In this guide, we’ll take a comprehensive look at these coverages and limitations, as well as the steps to file a claim.

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

  • Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
  • $50 annual statement credit toward Chase Travel hotel bookings.
  • Valuable travel protections.
  • $95 annual fee.
  • Category bonuses are limited and not competitive against other travel cards.
  • Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Chase Sapphire travel insurance overview

Chase is one of the most generous issuers when it comes to offering travel insurance benefits , particularly for its travel-focused Sapphire cards. The $95-annual-fee Chase Sapphire Preferred Card’s travel benefits and the $550-annual-fee Chase Sapphire Reserve’s travel benefits offer high coverage limits and industry-leading reimbursement terms, surpassing most other travel credit cards .

What Chase Sapphire travel insurance covers

To qualify for any of these complimentary protections, you must use your Chase Sapphire card to pay for a portion or all of your travel expenses, like your flight, hotel or rental car. Depending on the coverage, your immediate family members may also qualify for reimbursement — even if you’re not traveling with them.

Thinking about adding an authorized user to your Chase Sapphire Preferred card? Here are the benefits of adding a family member or trusted friend to your Sapphire Preferred

Trip cancellation and interruption insurance

If you need to cancel your trip or it’s interrupted due to an unforeseen circumstance, the Chase Sapphire cardholder and immediate family members can receive up to $10,000 per person and up to $20,000 total per eligible trip in reimbursement. 

If your claim is approved, trip cancellation and interruption insurance will provide reimbursement for non-refundable travel expenses, including flights, accommodations, excursions, and cruises. If you paid your travel expenses with Chase Ultimate Rewards® points , Chase will reimburse you at a rate of 1 cent per point.

For this benefit, your immediate family members do not have to be traveling with you as the primary cardholder, although you will have needed to pay for at least some of their travel expenses to qualify. Here are some examples of situations where trip cancellation and interruption insurance may kick in:

  • Accidental injury, illness or death.
  • Severe weather.
  • Change in military orders for you or your spouse.
  • Jury duty. 
  • Permanent residence or travel accommodations become uninhabitable.
  • Organized public transportation strike.

Trip delay reimbursement

Next time you’re stuck in a rolling delay by a common carrier, you and your family members can be covered for reasonable expenses like meals, lodging and toiletries with trip delay reimbursement. 

The Chase Sapphire Preferred provides up to $500 in reimbursement for each ticket when you are delayed more than 12 hours or requires an overnight stay. The Chase Sapphire Reserve provides the same coverage limits, but offers reimbursement for delays of six hours or more (or requires an overnight stay).

Baggage delay insurance

If you don’t receive your baggage for more than six hours, you can receive up to $100 per day — for a maximum of five days total. Baggage delay insurance will reimburse you to help purchase essential items that you may need in your bag, like clothing, toiletries, chargers, and more. This coverage applies to you and immediate family members that are impacted by delayed or misdirected baggage. 

Lost luggage reimbursement

On a similar note, if your luggage is lost by the common carrier altogether, this coverage can help to recoup some of those costs with your carry-on or checked bag. 

With either Chase Sapphire card, you can receive up to $3,000 per covered person per trip. It’s worth noting that within this coverage, there’s a $500 limit for jewelry and watches, as well as another $500 limit for cameras and other electronic equipment. 

Primary rental car insurance

When renting an eligible car for up to 31 consecutive days, Chase provides primary rental car insurance that covers theft and damage. The coverage limits are slightly different between the Chase Sapphire cards. While the more premium Chase Sapphire Reserve provides up to $75,000 in coverage, the Chase Sapphire Preferred provides reimbursement “up to the actual cash value of most rented cars”.

In either case, you’ll need to pay for the entire car rental with your Chase Sapphire card and decline the rental car company’s collision damage waiver as “accepting this coverage will cancel out your benefit”.

Roadside assistance

Chase offers a complimentary roadside assistance referral program for Sapphire Reserve cardholders that’s available 24/7 within the U.S. and Canada. Whether you’re driving your own car or a rental vehicle, cardholders can contact the Cross Country Motor Club at 1-866-860-7978 for towing, jump starts, fuel delivery and more. You can receive up to $50 in reimbursement for up to four service events per year.

On the other hand, Chase Sapphire Preferred cardholders can reach out to a pay-per-use roadside dispatch program, available 24/7 within the U.S by calling 1-800-847-2869. Cardholders are required to pay for all services rendered at a pre-negotiated fee. 

Travel and emergency assistance services

The Chase Sapphire cards offer travel and emergency assistance services to the primary cardholder, as well as spouse and dependent children under the age of 22, even if they’re not traveling with you at the moment. 

Travel and emergency assistance services can provide medical or legal referrals, or transportation coordination 24/7, but like roadside dispatch, the cardholder is financially responsible for any services rendered. 

What Chase Sapphire travel insurance doesn’t cover

While each coverage comes with specific details outlined within each benefits guide, here’s an overview of some noteworthy exclusions: 

  • Trip cancellation and interruption insurance does not cover a change in plans or financial circumstances; pre-existing conditions; travel during civil unrest or war; failure to obtain necessary travel documents; and more.
  • Trip delay reimbursement does not cover delays due to a covered hazard made public or prepaid expenses related to your covered trip.
  • Baggage delay insurance does not cover prosthetic devices; any loss resulting from war or civil unrest; money and securities; and more.
  • Lost luggage reimbursement does not cover items that have been removed from carry-on luggage by you or inadvertently left behind; money and securities; and more.
  • Primary rental car insurance does not cover rentals over 31 days; as well as high-value vehicles (Chase Sapphire Preferred); antique vehicles; cargo vans; motorcycles or mopeds; limousines; and more.

Additional coverage by the Chase Sapphire Reserve

While the Chase Sapphire Reserve® comes with a costly $550 annual fee, this premium travel card offers a leg up on the Chase Sapphire Preferred® Card , providing a few additional benefits when traveling:

  • Emergency evacuation and transportation: This benefit can cover up to $100,000 in necessary emergency travel evacuation and transportation services for you, your spouse, and eligible dependent children as a result of injury or sickness. 
  • Emergency medical and dental benefit: You can receive up to $2,500 for emergency treatment and medical expenses for accidental injury or illness, subject to a $50 deductible. 
  • Travel accident insurance: You can receive reimbursement for accidental death, dismemberment, or a combination of loss of speech, sight or hearing, up to $1 million when traveling on a common carrier, or up to $100,000 during your trip. While the Sapphire Preferred also offers this benefit, the common carrier coverage amount is lower. 

How Chase Sapphire travel insurance works

Each coverage has specific terms and criteria you’ll need to meet before filing a claim with supporting documentation. For example, you can qualify for trip cancellation and interruption insurance by paying a portion of your travels with a Chase Sapphire card, while primary auto collision damage waiver requires you to pay for your entire rental with the card. 

Once you submit your claim and it’s approved by the benefits administrator, you can receive reimbursement up to the coverage limits stated. If you’re interested in learning more about each coverage, you’ll want to review the benefits guide for the Chase Sapphire Preferred and the Chase Sapphire Reserve to see a full list of limitations. 

How to claim your Chase Sapphire travel insurance

If you’re ready to file a Chase travel insurance claim, you’ll need to provide your documentation within the deadlines below or “as soon as reasonably possible” by calling the Benefits Administrator or starting your claim online via www.eclaimsline.com .

  • Trip cancellation and interruption insurance: Start your claim within 20 days of the cancellation or interruption; then, fill out a form and provide documentation within 90 days.
  • Trip delay reimbursement: Start your claim within 60 days of the incident; then, fill out a form and provide documentation within 100 days.
  • Baggage delay insurance: Start your claim within 20 days of the delay; then, fill out a form and provide documentation within 90 days. 
  • Lost luggage reimbursement: Start your claim within 20 days of the incident; then, fill out a form and provide documentation within 90 days.
  • Primary rental car insurance: Start your claim within 100 days of the incident; then, submit the documentation within 120 to 365 days. 
  • Emergency evacuation and transportation (Chase Sapphire Reserve only): Call the Benefits Administrator immediately; then submit a claim and documentation within 180 days.
  • Emergency medical and dental benefit (Chase Sapphire Reserve only): Call the Benefits Administrator within 90 days of receiving medical care; then submit a claim and documentation within 180 days.
  • Travel accident insurance: Call the Benefits Administrator within 20 days of the incident; then submit a claim and documentation within 90 days. 

Chase Sapphire Preferred vs. Sapphire Reserve: What’s the difference?

While the Chase Sapphire Reserve offers a bit more well-rounded travel coverages, we’ll also compare the rest of the Reserve card’s benefits to the Chase Sapphire Preferred’s travel benefits . 

Which of the two cards is right for you? We’ll break down the details between the Chase Sapphire Preferred vs. Chase Sapphire Reserve to help you decide.

Frequently asked questions (FAQs)

You can file a claim for Chase Sapphire travel insurance coverage anytime by visiting www.eclaimsline.com . For Chase Sapphire Preferred travel protection, call 1-888-320-9961 (within the U.S.) or 1-804-673-1691 (international). Chase Sapphire Reserve cardholders can call 1-888-675-1461 (within the U.S.) or 1-804-281-5772 (international).

The Chase Sapphire cards only offer insurance for qualifying travel and not for events.

As long as you pay a portion or all of your travel expenses with your Chase Sapphire card, you are eligible to receive complimentary travel insurance with the coverage limits stated above.

Neither Chase Sapphire Preferred travel insurance nor Chase Sapphire Reserve travel insurance provide reimbursement for missed flights, unless the situation meets the terms of trip cancellation and interruption insurance or trip delay reimbursement for situations that are outside of your control.

It’s not required to notify Chase prior to traveling, but you can set up a travel alert on your card if you’re traveling outside of your state or country over the phone, online, through a mobile app or in person.

Yes, you can contact Chase and let them know you want to upgrade your card to the Reserve. Just keep in mind you will be charged the prorated difference in the annual fee.

The Chase Sapphire cards offer travel and emergency assistance services to the primary cardholder, as well as their spouse and dependent children under the age of 22.

Yes, both the Chase Sapphire Reserve and the Chase Sapphire Preferred offer primary rental insurance when you decline the rental company’s collision insurance and charge the rental to your card. You’ll be covered up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. There are some exclusions, however, so be sure to check your benefits guide for details.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Stella Shon

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2024]

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Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2024]

Table of Contents

Chase sapphire preferred card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, roadside dispatch, travel accident insurance, travel and emergency assistance, no foreign transaction fees, filing a claim, how coverage compares, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The Chase Sapphire Preferred ® Card is a solid choice for your first travel rewards credit card. The card’s strengths include its ability to earn valuable Chase Ultimate Rewards Points on every purchase, the variety of redemption options it offers, and even its shopping benefits.

In addition to the key benefits of strong earning power and travel redemption flexibility, the Chase Sapphire Preferred card has your back with travel insurance coverage that offers peace of mind and potential savings during your journey.

If you travel frequently, chances are you’ve used a travel insurance coverage or benefit and realize the value of having this protection. It’s reasonable to expect that a travel rewards card you use to pay for your travel will have associated trip benefits. Unfortunately, credit card issuers have recently cut back on both travel and shopping benefits.

While some other cards are cutting back, the Chase Sapphire Preferred card offers prominent travel insurance coverage and benefits. Whether you currently have the card or are considering it, you’re sure to find this information useful when comparing travel rewards cards.

To put the Chase Sapphire Preferred card ‘s coverage into context, it’s important to have a little background. Below, you’ll find important card information like any welcome bonus and annual fee.

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees:  None

Chase Ultimate Rewards

The Chase Sapphire Preferred card shines at providing car rental insurance coverage when compared to other travel rewards cards.

Auto Rental Collision Damage Waiver

Rental Car on Road

Unlike most travel rewards cards, the coverage you receive with the Chase Sapphire Preferred card is primary car insurance coverage compared to secondary, which means you do not have to file an insurance claim with your own auto insurance company first for coverage to be valid.

To activate the coverage on your card, simply reserve and pay for your rental car with the Chase Sapphire Preferred card , then decline the rental car agency’s collision damage waiver coverage.

The cardholder and any additional drivers you list on the rental agreement are covered.

Coverage You Can Expect:

  • Damage to or theft of the rental car
  • Loss of use charges imposed by the rental car company while the vehicle is being repaired
  • Reasonable and customary towing charges

Conditions:

  • Coverage is valid in most countries
  • The rental period must not exceed or intend to exceed 31 consecutive days
  • Coverage is primary

Exclusions:

  • Exceptionally expensive, exotic, and antique vehicles are not covered
  • Also excluded are open cargo bed vehicles, trucks, and recreational vehicles
  • Motorcycles, mopeds, and motorbikes
  • All limousines and vans that transport more than 9 people
  • Losses due to off-road use of the rental vehicle
  • Liability insurance coverage is not included

Bottom Line: According to the Insurance Information Institute , a car rental agency’s collision damage waiver coverage can cost $9 to $19 per day, even more depending on where you’re renting the vehicle. Having primary rental car insurance with the Chase Sapphire Preferred card could save you hundreds of dollars on a multi-week car rental. 

Lightning Storm Unsplash

In addition to car rental insurance, one of the most valuable benefits to have on your travel rewards credit card is coverage when there’s a disruption during your travels.

Pay for your trip in full or in part with your Chase Sapphire Preferred card or Chase Ultimate Rewards points and receive up to $10,000 if a covered loss prevents you (or other covered persons) from traveling. The maximum benefit for each occurrence is $20,000 and $40,000 maximum per 12-month period.

Expenses covered include any non-refundable, prepaid transportation arrangements that were missed plus change fees.

The definition of who is covered for trip cancellation and trip interruption coverage is broad. The cardholder, spouse or domestic partner, and immediate family are eligible for coverage. Immediate family includes adopted or step-children, legal guardians/wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, and nieces or nephews.

The trip cannot exceed 60 days in duration and the destination must be more than 1 mile from home for coverage to be valid.

Covered events include:

  • Accidental injury, loss of life, or illness experienced by the cardholder, immediate family, or traveling companion
  • Severe weather
  • Change of military orders
  • Terrorist events or hijackings
  • Jury duty or subpoena that cannot be postponed or waived
  • Finding that your residence has become uninhabitable
  • You have been quarantined

Hot Tip: If you pay for your immediate family’s trip with your Chase Sapphire Preferred card or Ultimate Rewards points , they are eligible for trip interruption and trip cancellation insurance coverage, even if you are not traveling with them. For more card options that come with trip cancellation insurance, check out our full guide to the best credit cards for trip cancellation and interruption insurance .

If your trip is significantly delayed, you may be stranded overnight and need to purchase necessities or incur other unexpected expenses such as lodging and additional meals.

Trip delay reimbursement pays up to $500 per ticket for covered expenses that are not paid for by the common carrier. The delay must be overnight or greater than 12 hours in duration.

Unattended Luggage

When traveling on a common carrier, if your baggage is delayed more than 6 hours, you could receive up to $100 reimbursement per day , for up to 5 days, for incidentals purchased.

You can expect to be reimbursed for essential items such as:

  • Cell phone charging cable (1)

Lost Luggage

If your luggage is lost or damaged, lost luggage coverage will pay to repair or replace the luggage plus the cost of personal items lost, up to $3,000 per person, per trip.

You must report the loss to the common carrier first as the Lost Luggage benefit is in excess of any payments you receive from that carrier.

If you’re stranded on the side of the road, lock your keys out of your car, or your car fails to start, you’ll find Roadside Dispatch a welcomed benefit. The coverage provides 24/7 roadside assistance that is just one call away.

Services You Can Expect:

  • Changing your flat tire when you have an inflated spare
  • Delivery of up to 5 gallons of fuel
  • Jump starting
  • Lockout service
  • Standard towing up to 5 miles
  • Standard winching

Service extras such as towing beyond 5 miles, the cost of a replacement key, or the cost of the actual fuel being delivered, are additional charges and the responsibility of the cardholder. However, you won’t pay more than the pre-determined flat rate fee of $69.95 for the initial service call, as it is set in advance.

It’s painful to think about something serious happening during your travels, but there are benefits available in case you’re faced with such a tragic event.

The Chase Sapphire Preferred card is one of a few cards to offer travel accident insurance . The cardholder and immediate family members are covered even if the cardholder is not traveling with the immediate family. The ticket must be paid for in full or partially with your Chase Sapphire Preferred card or Ultimate Rewards points.

Chase’s travel accident insurance is divided into 2 coverages:

  • Common Carrier Travel Accident Benefit — Covers you while you are a passenger on any common carrier or at the airport, terminal, or station immediately before or after your trip.
  • 24-Hour Travel Accident Benefit — Provides coverage as soon as you embark on your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, and hearing.

Coverage on the Common Carrier benefit is limited to up to $500,000 and $100,000 maximum on the 24-hour travel accident benefit. Only 1 benefit can apply per trip.

Doctor Unsplash

You’re just one call away from assistance or referral help anytime you need it 24/7. Calling the toll-free number when in the U.S. or the collect-call phone number on the back of your card when traveling out of the country is the fastest way to receive assistance.

In addition to you (the cardholder), your spouse or domestic partner and dependent children under 22 can also use the service.

Referral assistance is complimentary, but the cardholder is responsible for the actual goods or services provided .

  • Emergency Message Service — Record and relay emergency messages to travelers
  • Medical Referrals — Referral to an English-speaking medical practitioner to monitor your progress and serve as a patient liaison
  • Legal Referrals — Referral to an English-speaking attorney, U.S. Consulate or embassy, and assistance with bail bond arrangements
  • Emergency Transportation — Help with making arrangements for emergency transport to the nearest medical facility
  • Emergency Ticket Replacement — Assistance replacing a lost ticket with your carrier
  • Lost Luggage — Provides assistance filing a lost luggage claim or help with replacement items
  • Translation Services — Assistance with local language translation services
  • Prescription and Valuable Documents Replacement — Assistance getting prescriptions filled at a local pharmacy or locating and transporting valuable documents
  • Pre-trip Assistance — Includes help finding an ATM, assistance with visas, health precautions, and other pre-trip information

You don’t want to be hit with 3% fees when using your card during international travels. The Chase Sapphire Preferred card doesn’t charge foreign transaction fees,  which is thankfully true of many cards nowadays.

If you spent $4,000 abroad on a family vacation, the savings would equal $120.

It’s prudent to think about the claim process even before you embark on your journey . Should you need to make a trip interruption, trip delay, or trip cancellation claim, the process will be much easier if you have gathered the information and documentation you need during the event versus after the fact.

Contact the plan administrator as soon as possible during or after the disruption for guidance and to file a claim. You may be expected to provide any of the following when submitting a claim for a trip interruption, trip cancellation, or trip delay :

  • A completed and signed claim form
  • Credit card statement with the last 4 digits of the card or receipts showing you paid for the trip with an eligible card or points
  • A copy of your transportation ticket and itinerary
  • Medical documents or a death certificate for health-related claims
  • A statement from the carrier stating why the trip was interrupted, canceled, or delayed
  • Receipts for purchases and food expense receipts over $50
  • Copy of the carrier, tour company, or travel supplier’s cancellation or refund policy
  • Any additional documentation requested by the benefit administrator

The documentation needed is not requested by Chase, but by the third-party claim administrator, therefore Chase statements validating your trip purchase are necessary. Knowing this upfront allows you to store your trip receipts in advance for easy access should you need them.

Hot Tip: Prior to your trip, contact the benefits administrator for clarification of trip coverage and to inquire about any special destination information you should know. You can also be proactive by reviewing the claim process before your trip to learn about any required documentation that would be needed in case of an event.

Travel Insurance

Other Credit Cards

Travel protection and insurance vary greatly by the credit card issuer and can change periodically. In general, here’s what you can expect in the way of travel protections by major issuers:

Chase issues credit cards including the Chase Sapphire Preferred card, Chase Sapphire Reserve ® , and Ink Business Preferred ® Credit Card offer the comprehensive collection of trip protections reviewed in this article. The Chase Sapphire Reserve card additionally offers emergency medical evacuation, $2,500 in emergency medical and dental coverage, and a shorter delay for trip delay coverage.

American Express

American Express offers secondary car rental insurance versus primary coverage, accident insurance, premium roadside assistance, a Global Assist Hotline, and baggage insurance. There is also emergency medical evacuation coverage that comes with The Platinum Card ® from American Express . The issuer does not offer trip interruption, cancellation, or delay coverage .

Capital One

You’ll find secondary car rental insurance, roadside dispatch, accident insurance, lost and delayed baggage, and emergency travel assistance on some Capital One cards.

Bank of America

Bank of America travel rewards cards generally do not offer trip protection or major travel benefits.

Hot Tip: For more details, check out our guide to the best credit cards for travel insurance .

Travel Insurance Policies

Travel protections, benefits, and insurance that come complimentary on credit cards are not designed to take the place of a comprehensive travel insurance policy.

A comprehensive travel insurance policy allows you to select the type of coverage you need and the coverage limits that match your level of risk, whether you’re protecting a significant financial outlay or the potential physical risks associated with the trip. You can also purchase a travel insurance policy that can cover one specific trip or many trips over a specific time period.

With that said, by taking a few minutes to read through the trip protections offered on the Chase Sapphire Preferred card, you may find enough coverage to satisfy your trip protection requirements for your next trip. As always, you should review the card benefit coverages carefully before you travel and purchase any needed travel insurance to fill in any gaps.

Bottom Line: The Chase Sapphire Preferred card offers a high level of travel protection and insurance compared to other travel rewards credit cards. This level of coverage may be more than sufficient for your trip. 

Having travel insurance brings with it the peace of mind to enjoy your journey without worry of any significant financial expense should something go wrong.

To avoid a false sense of security, however, you’ll want to call the benefits administrator (using the number on the back of your card) to ensure you have the coverage you need.

For example, you may assume you have coverage for emergency evacuation on that mountain trek, but the Chase Sapphire Preferred card does not carry this coverage. If the protection is important to you, you’ll want to be aware (and purchase separate coverage) before you embark on your journey.

Additionally, you may want to confirm that the country in which you’re renting is one that is covered under Chase’s car rental collision damage waiver, although most are.

While the Chase Sapphire Preferred card offers some of the best travel protection and insurance benefits of any travel rewards card, these benefits are not a substitute for comprehensive travel insurance.

If you’re spending thousands on a vacation for an entire family, booking an expensive cruise, or planning a trip with several forms of transportation involved, you may want to make sure that card-provided benefits provide protection at a level with which you’re comfortable.

If not, you should purchase a comprehensive travel insurance policy.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the chase sapphire preferred card worth it.

Yes. The Chase Sapphire Preferred card offers the best travel insurance protection of any major credit card, but that is just one of the strong benefits of having the card.

First, the annual fee is lower than other travel rewards cards that offer similar benefits. Additionally, you’ll earn valuable Ultimate Rewards points which can be redeemed for 25% more value when used for travel.

You can also transfer points to airline and hotel partners, receive a statement credit, or purchase gift cards.

Finally, you’ll find shopping benefits such as purchase protection and extended warranty for eligible purchased items.

Does the Chase Sapphire Preferred card have travel insurance?

The Chase Sapphire Preferred card has a long list of travel protections and insurance . You’ll find the all-important primary car rental insurance, trip interruption, trip cancellation, and trip delay insurance, which can be difficult to find on other travel rewards cards.

In addition, the card offers travel accident insurance, lost and delayed baggage coverage, roadside assistance, and travel and emergency assistance.

Does the Chase Sapphire Preferred card have lounge access?

The Chase Sapphire Preferred card does not come with a complimentary lounge access benefit.

However, the Chase Sapphire Reserve card offers complimentary Priority Pass Select membership which affords the cardholder access to over 1,300 worldwide lounge properties.

If the Chase Sapphire Preferred card better than the Chase Sapphire Reserve card?

Both cards offer a comprehensive collection of travel protections and benefits.

However, the Chase Sapphire Reserve card is a premium travel rewards card that comes with premium travel rewards benefits including complimentary worldwide lounge access, travel statement credits, elevated earnings on travel and dining, and 50% more value when redeeming Ultimate Rewards points for travel.

The Chase Sapphire Reserve card also comes with a much higher annual fee than the Chase Sapphire Preferred card.

A good strategy, if you’re just starting out, is to start with the Chase Sapphire Preferred card with its lower annual fee.

If you then want more travel benefits, are comfortable paying a higher annual fee, and can utilize the travel benefits that come with the Chase Sapphire Reserve card, it can be your subsequent move.

Does the Chase Sapphire Preferred card cover the Global Entry fee?

No. The Chase Sapphire Preferred card does not offer reimbursement for the Global Entry application or renewal fee.

Do the Chase travel benefits cover my trip if I use Ultimate Rewards points to pay?

Yes. You can purchase your trip in part or in full with your Chase Sapphire Preferred card, Ultimate Rewards points, or a combination of the two, and trip protections and benefits will still apply.

Be sure to check the benefits guide for details.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Chase Sapphire Preferred Card – Full Review [2024]

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Chase Sapphire Preferred(Registered Trademark) credit card

Chase Sapphire Preferred ® credit card

60,000 75,000 75,000 not sixty thousand bonus points

  3X on dining

  2X on travel

New cardmember offer

60,000 75,000 75,000 not 60,000 bonus points.

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay

At a glance

Premium dining & travel rewards.

Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay Earn 2x on other travel purchases. * Opens offer details overlay

Interest Rate

--> 21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

--> $95 † Opens pricing and terms in new window

Travel Credit Card Rewards & Benefits

New cardmember offer, earn 75,000 bonus points.

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's over $900 toward travel when redeemed through Chase Travel.

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Partnership Benefit

$150 in additional partnership benefit value.

Take advantage of over $150 in partner value Opens overlay. with Sapphire Preferred.

Earn Rewards

More ways to earn.

Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. * Opens offer details overlay

Earn 5x total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay

Earn 2x on other travel purchases. * Opens offer details overlay

Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay

Earn 3x points on online grocery purchases (excluding Target, * Opens offer details overlay Walmart and wholesale clubs). * Opens offer details overlay

Earn 3x points on select streaming services. * Opens offer details overlay

Plus, earn 1 point per dollar spent on all other purchases. * Opens offer details overlay

Ultimate Rewards

Additional value with ultimate rewards.

Get 25% more value when redeemed for travel. For example 75,000 points are worth $937.50 toward travel when redeemed through Chase Travel. * Opens offer details overlay

Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points. * Opens offer details overlay

No Expiration

Chase pay over time.

Eligible cardmembers * Opens offer details overlay can break up card purchases of $100 or more * Opens offer details overlay into fixed monthly payments with Chase Pay Over Time SM . * Opens offer details overlay No interest, just a fixed monthly fee. † Opens pricing and terms in new window

Explore Additional Benefits

1:1 point transfer opens drawer that reveals additional content.

Are you a member of a frequent travel program? With Chase Sapphire Preferred ® , you can transfer your points to leading frequent travel programs at 1 to 1 value.

Airline Travel Partners

  • Aer Lingus, AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards ®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards ®
  • United MileagePlus ®
  • Virgin Atlantic Flying Club

Hotel Travel Partners

  • IHG ® Rewards Club
  • Marriott Bonvoy ®
  • World of Hyatt ®

Partner benefits Opens drawer that reveals additional content

Earn more points.

Earn 5x points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Instacart+ Subscription

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+. * Opens offer details overlay Activate by July 31, 2024. Plus, Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay Membership auto-renews.

DashPass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024. * Opens offer details overlay

Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points now through Mar. 31, 2025. * Opens offer details overlay

Travel & purchase coverage Opens drawer that reveals additional content

You're covered with built-in benefits

Travel confidently

Trip cancellation/interruption insurance.

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. ** Same page link to disclaimer

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. ** Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ** Same page link to disclaimer

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ** Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ** Same page link to disclaimer

Shop with confidence

Purchase protection.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. ** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

No foreign transaction fees † Refer to Pricing and Terms Opens drawer that reveals additional content

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

24/7 access Opens drawer that reveals additional content

24/7 access to a customer service specialist, spend instantly opens drawer that reveals additional content, apply for a card, use it the same day.

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

Chase Pay Over Time SM Opens drawer that reveals additional content

Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase: Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No Interest- just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card activity.

At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

Nerdwallet Best-Of Awards 2024 accolade

Cardmember Reviews

Just excellent.

This card offers the best of any aspect of life! Travel, Rewards, Cashback! Everything is just so well explained and the customer service is just perfect. Will be your best companion for travel, business, or pretty much anything you do!

Submitted by: Alex

Best travel card ever !

This card should be rated the best card for travelers. Great perks on travel and dining. No international transaction fees. Cash back actually covers the annual fees. Thank you Chase for giving the best and caring for consumers.

Submitted by: Sunshine

Best Credit Card I Have

I recommend this card to all my friends and family. I have two other credit cards, but usually only use my chase card because of all the benefits of using it. Plus, I feel safe using a chase card.

Submitted by: Amanda

Curious about the Chase Sapphire Preferred ® credit card?

Read our customers reviews to learn how to take advantage of our travel credit card today!

See All Reviews . Opens overlay containing additional reviews.

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Offer details, offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

75,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Preferred rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Preferred credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: hotel accommodation purchases through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2 points ("2X points") on travel purchases: You'll earn 2 points for each $1 spent on purchases made in the travel category. 5 points ("5X points") on Chase Travel purchases: You'll earn 5 points total for each $1 spent on purchases made using your card through Chase Travel (3 additional points on top of the 2 points earned on each purchase in the travel category). Any hotel accommodation purchases made using your card through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, won't earn points. "$50 Annual Chase Travel Hotel Credit" means the statement credit that is automatically applied to your account annually on hotel accommodation purchases made using your card through Chase Travel, up to an annual maximum accumulation of $50. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target ® , Walmart ® and wholesale clubs). 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. 10% anniversary points bonus: Each account anniversary year, you'll earn bonus points that equal 10% of your total spend in points from purchases made with your credit card during the previous account anniversary year at a rate of 1 point for each $1 spent. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 5 total points ("5X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 3 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "5X" in marketing materials to refer to the 3 points in addition to the 2 points earned on travel purchases (see above). The additional 3 points will appear on your billing statement in a separate line from the 2 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

$50 Annual Chase Travel Hotel Credit: A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through Chase Travel, up to an annual maximum accumulation of $50. Annual means the year beginning with your account open date through the first statement date after your account anniversary, and the 12 monthly billing cycles after that each year. Annually, the first $50 in Chase Travel hotel purchases will not earn rewards points. Statement credit(s) will appear on your monthly credit card billing statement within 1-2 billing cycles after your purchase posts to your account.

Book Through Chase Travel: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 75,000 points are worth $937.50 when redeemed for travel purchases, or $750 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Sapphire Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded.

Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App.

Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout.

Complimentary DashPass: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Preferred card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 6 months (for Chase Sapphire Preferred and Chase Sapphire cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $15 per calendar quarter (for Chase Sapphire Preferred and Chase Sapphire cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. Calendar quarters are Jan – March, April – June, July – September, October – December, and the partial calendar quarters at the beginning and end of the promotional period. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Preferred credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

Earn 10 or 5 total points ("10X or 5X total points") on Peloton equipment and accessory purchases through 03/31/2025: You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 02/01/2023 through 03/31/2025. That's 9 (Sapphire Reserve or J.P. Morgan Reserve) or 4 (Sapphire Preferred) points on top of the 1 point you already earn on these purchases with your card. Only purchases made directly through Peloton – through onepeloton.com , over the phone, or in a Peloton showroom – are eligible. Purchases made outside the U.S. are not eligible. Gift cards, and apparel are not eligible. Points earned on the purchase of Peloton equipment and accessory purchases will be deducted from the cardmember's account if the order is cancelled or returned. Purchases must post to your account by the last day of the promotional period to qualify. Sometimes your card will be charged on a date after you make a purchase, such as the shipping date, and as a result the purchase may not post to your account until after the last day of the promotional period. Please allow 6 to 8 weeks after qualifying purchases post to your account for points to post to your account. To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Chase Sapphire Preferred Card named "Best All-Purpose Travel Rewards Credit Card" by NerdWallet writers and editors. Source: NerdWallet's "Best-Of Awards 2024," January 2024. NerdWallet is paid a fee for each approved Chase Sapphire Preferred credit card account referred through its site, however NerdWallet editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Chase does not exercise any editorial control over their credit card awards or reviews, the opinions expressed are their own. ©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

Chase Sapphire Preferred voted "Best Travel Rewards Credit Card" by readers of The Points Guy. Source: The TPG Awards, November 2023. The Points Guy is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over TPG credit card reviews.

Chase Sapphire Preferred ranked as "Best Entry-Level Travel Card" by Forbes Advisor. Source: The Forbes Advisor Awards, February 2024. Forbes Advisor is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over Forbes Advisor credit card reviews.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

INSTACART ® , the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Sapphire Preferred credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

$300 Travel Credit

Merchants in this category include airlines, hotels, motels, timeshares, car rentals agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. * Opens offer details overlay

Reserve Partner Value Modal

Lyft Pink Membership

Get 2 complimentary years of Lyft Pink All Access when activated by Dec. 31, 2024 —a value of $199 /year. This includes 10% off Lux rides, free Priority Pickup upgrades discounts on bikeshare and more. Membership auto-renews. * Opens offer details overlay You'll also earn 10x total points on Lyft rides through March 2025. * Opens offer details overlay

DoorDash DashPass Subscription

Get a complimentary access to DashPass - a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

Get $5 in DoorDash credits each month through Dec 31, 2024, redeemed at checkout. * Opens offer details overlay

Instacart Membership

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+ —a value of $99 /year. Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Monthly Instacart Credit

Instacart+ members earn up to $15 in statement credits each month through July 2024. * Opens offer details overlay

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide —a value of $469 /year. * Opens offer details overlay

The Edit SM

Book through The Edit SM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more. * Opens offer details overlay

10x on Peloton Purchases

Earn 10x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. * Opens offer details overlay That's $150 when you purchase a Peloton Bike and redeem for cash.

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+ —a value of $60 value . Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through  March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

You're now leaving Chase

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Chase Freedom Flex: Unique travel perks for a cash back card

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Key takeaways

  • The Chase Freedom Flex is a unique cash back credit card that doubles as a great travel rewards card for those who know how to best take advantage of it.
  • With no annual fee and the ability to redeem Chase Ultimate Rewards points for travel purchases, the Chase Freedom Flex can save you money without the added cost of carrying the card.
  • Pairing the Chase Freedom Flex with other Chase credit cards can help you maximize your rewards and save even more.

While the Chase Freedom Flex℠ is marketed as a cash back credit card, there are several reasons for travel lovers to take another look. Not only does it offer a generous selection of travel insurance protections, but its rewards can be redeemed directly for travel, whether you have this card alone or you pair it with a premium travel credit card from Chase.

With its rotating bonus categories and generous rewards on everyday spending, the Freedom Flex can help anyone boost their rewards haul. If you want to earn travel rewards and don’t want to pay another annual fee for a credit card, read on to learn why this card may be exactly what you need.

Why the Chase Freedom Flex is a good card for travelers

Picking up a cash back card for travel may seem strange, but the Freedom Flex works well in different scenarios. Consider the following perks and benefits before you make it part of your travel rewards plan:

Travel rewards redemption

If you feel intimidated by the idea of redeeming your Chase points for travel, know that it’s quite simple. The Chase travel portal features buttons that take you to the booking pages for such travel categories as hotels, flights, travel activities, rental cars and cruises.

screenshot of chase travel portal interface

From there, Chase will show you how much your travel would cost in points. Here’s an example of how the portal displays your options if you search for a hotel in New York City for dates in January 2024.

screenshot of booking travel

You have the option to pay for your travel plans entirely with points, with a combination of points and credit card charges or entirely with your credit card. If you pay for all or part of your travel through Chase with your Freedom Flex card, you will earn 5 percent back on that spending.

Pairing with other Chase Ultimate Rewards cards

With the Freedom Flex, you can transfer rewards to a premium Chase travel credit card account for better travel redemptions. If you also have the Chase Sapphire Preferred® Card , for example, you could use each card for purchases in their respective bonus categories, and then move all your points to your Preferred account before you redeem.

This strategy would help you get 25 percent more value for your points if you redeem for travel through Chase. Separately, moving points to your Preferred card unlocks the option to transfer rewards to Chase’s airline and hotel partners , so you can take advantage of their rewards points or miles instead. Those programs include British Airways Avios, United Airlines MileagePlus, JetBlue TrueBlue, Marriott Bonvoy and World of Hyatt.

Pairing the Freedom Flex with a premium card should also help you avoid foreign transaction fees. Since the Freedom Flex comes with a 3 percent foreign transaction fee, you can use it to earn rewards points and use another travel card to pay for purchases while abroad.

Travel insurance

The Freedom Flex comes with a generous amount of travel insurance for a cash back credit card. Perks you’ll qualify for include trip cancellation and interruption insurance worth up to $1,500 per passenger and $6,000 per trip, secondary auto rental coverage and travel and emergency assistance services.

And remember, these benefits are offered free of charge for cardmembers.

With that said, you can get even more travel insurance protections with a premium Chase travel card. With the Chase Sapphire Reserve® , for example, you get higher-value trip cancellation and interruption insurance, primary auto rental coverage, trip delay reimbursement, emergency evacuation and transportation coverage, baggage delay insurance, travel accident insurance, roadside assistance and more.

Additional perks of the Chase Freedom Flex

In addition to being a great travel rewards card, The Chase Freedom Flex is still a popular, well-rounded cash back credit card . Not only can you earn a high rate of rewards for each dollar you spend, but you can redeem your rewards in several different ways aside from just travel.

Chase Freedom Flex

Card highlights.

  • Welcome bonus: $200 cash bonus when you spend $500 within three months of account opening
  • Intro APR: 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 20.49 percent to 29.24 percent
  • Intro balance transfer fee: 3 percent of the amount of each transfer with a $5 minimum, followed by 5 percent of the amount of each transfer with a $5 minimum after the 60-day intro period
  • Annual fee: $0

More ways to earn rewards

The Chase Freedom Flex is unique in that it offers rotating bonus categories and bonus rewards in several everyday spending categories. Here’s the card’s current rewards structure:

  • 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent)
  • 5 percent back on travel purchases through Chase Travel℠
  • 5 percent back on Lyft rides (through March 2025)
  • 3 percent back on dining and drugstore purchases
  • 1 percent back on everything else

While Chase Freedom Flex categories can change over time, they frequently include options like gas stations, home improvement stores, Walmart and PayPal purchases and more. The 5 percent category for travel purchases through Chase Travel℠ is also pretty broad and can include airfare, hotels, rental cars and day trip activities.

More ways to redeem rewards

While the Freedom Flex is a cash back credit card at heart, the rewards you earn are actually Chase Ultimate Rewards points . This distinction is part of what makes the Freedom Flex such a great travel rewards card. The points you earn are typically worth 1 cent each, so the $200 welcome bonus, for example, would be worth 20,000 points.

In addition to redeeming your rewards for travel through the Chase Travel portal, the program lets you redeem your rewards for cash back or statement credits. You also have the options to redeem your points for things like gift cards and merchandise.

Should you get the Chase Freedom Flex for travel purchases?

Considering the Freedom Flex offers generous rewards in everyday categories, you can’t really go wrong. If your spending lines up with the card’s highlighted categories, then you’ll be able to rack up the rewards points pretty easily.

The Freedom Flex is an even better choice for current Chase customers who have a premium travel credit card they can pair it with. When you have a few different Chase credit cards, or even better, the Chase trifecta , you get bonus rewards in more categories, all the best redemption options and the best selection of travel protections, all at once.

The bottom line

The Chase Freedom Flex is an excellent credit card for people who travel occasionally and want some basic travel protections, as well as for those who travel all the time and want a way to boost their travel rewards haul. Plus, with no annual fee , it costs nothing to add it to your wallet and take advantage of its high rewards rates.

Issuer-required disclosure statement Information about the Chase Freedom Flex℠ has been collected independently by Bankrate. Card details have not been reviewed or approved by the issuer.

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Citi Double Cash vs. Chase Freedom Flex

Is the Chase Freedom Flex worth it?

Chase Freedom Flex review: Plenty of value packed into one card

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The Guide to Chase Sapphire Reserve’s Travel Insurance Benefits

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Table of Contents

1. Trip cancellation/trip interruption insurance

2. trip delay reimbursement, 3. baggage delay insurance, 4. lost luggage reimbursement, 5. auto rental collision damage waiver, 6. roadside assistance, 7. travel and emergency assistance, 8. travel accident insurance, 9. emergency evacuation and transportation, 10. emergency medical and dental benefit, what if coverage is insufficient, the bottom line.

The last thing anyone wants to think about when going on vacation is getting into an accident, experiencing a trip delay, or having a bag lost or stolen. However, accidents happen, and being prepared before you travel can save you a lot of headaches. If you have the Chase Sapphire Reserve® , you already have free travel insurance. Take a moment to familiarize yourself with these benefits so that you don’t unnecessarily purchase a standalone travel insurance policy.

Here’s what you need to know about the travel insurance benefits offered by the Chase Sapphire Reserve® .

Note that to benefit from the protections outlined here, your trip must have been purchased with your Chase Sapphire Reserve® or with Chase Ultimate Rewards® points earned from that card.

Although these two benefits are grouped together, they are slightly different.

Trip cancellation insurance covers you before your trip begins. If a covered loss prevents you from traveling on your trip, Chase will reimburse you or your immediate family members up to $10,000. If the trip was booked using Chase Ultimate Rewards® points, reimbursement will be in the form of points.

Trip interruption insurance begins the moment your trip starts, including on the way to the point of departure or after departure. If a loss results in the interruption of your trip, this benefit offers up to $10,000 in reimbursement for cardholders and immediate family members. Reimbursable expenses include change fees as well as prepaid and nonrefundable airfare, hotels and cruises.

Valid reasons include:

Accidental bodily injury, death or illness experienced by the cardholder, a traveling companion or an immediate family member of the cardholder.

Extreme weather that prevents the start or continuation of a trip.

Terrorist attack or hijacking.

Court subpoena or jury duty that can’t be waived or postponed.

Quarantine orders from a physician.

Bankruptcy of the cardholder’s travel agency, tour operator or travel provider.

Chase has identified various occurrences that are not covered, such as cancellations/interruptions due to changes in plans or financial circumstances, pre-existing medical conditions, war, traveling against doctor’s orders or trips longer than 60 days.

The primary cardholder as well as immediate family members not traveling with the cardholder are also protected. The fact that Chase provides coverage to family members even if they aren’t traveling with the primary cardholder is a unique and important point.

The maximum reimbursed amount for this benefit is $10,000 per covered trip, $20,000 per occurrence and $40,000 per 12-month period. Claims must be filed within 20 days of the occurrence. In the event of a medical issue resulting in trip cancellation, cardholders must inform the trip supplier within 48 hours.

» Learn more: The majority of Americans plan to travel in 2022

chase travel insurance terms

If your trip is delayed by more than six hours or requires an overnight hotel stay, you (and your family) are eligible for reimbursement up to $500 per person. Reimbursable expenses include meals, lodging, toiletries, medication and other personal use items.

Your trip will be covered as long as you are away from home for fewer than 365 days. Coverage is limited to one event per trip.

Covered events include:

Equipment failure.

Extreme weather.

Labor strikes.

Hijacking or skyjacking.

If a covered hazard was public or known to the cardholder before departure, reimbursement will not be provided. Coverage applies to the cardholder, a spouse or domestic partner and dependent children under age 22.

Claims must be filed within 60 days of the delay, and supporting documents must be submitted to Chase within 100 days of the delay.

» Learn more: What you need to know about Chase's trip delay insurance

If your bags are delayed by more than six hours, this benefit will cover up to $100 per day for up to five days for essential purchases like toiletries and clothing. Coverage applies to the cardholder, a spouse or domestic partner and immediate family members (even if they are not traveling with the cardholder).

There are several expenses that are specifically called out as not covered, including contact lenses, glasses or hearing aids. It’s always best to check the fine print of this policy before expecting reimbursement for your purchases.

You need to file a claim within 20 days of the delay and provide supporting documentation to Chase within 90 days of the delay.

» Learn more: Baggage insurance explained

Lost luggage reimbursement protects you in the event that your luggage is lost by the carrier or you incur costs to repair/replace baggage that is damaged by the carrier. Coverage is up to $3,000 per passenger and applies to the cardholder and immediate family members (even if the cardholder is not traveling on the trip).

The benefit includes a reimbursement of up to $500 per person for jewelry, watches, cameras, video recorders and other electronic equipment.

You must report the loss/damage immediately to the common carrier, and proof of the report must be included with the claim. Claims must be submitted within 20 days of the occurrence, and supporting documents need to be supplied within 90 days of the occurrence.

This auto rental collision damage waiver covers up to $75,000 in case of a car accident or theft when traveling within the U.S. or abroad. This benefit applies to rental periods up to 31 days.

Covered costs include:

Physical damage/theft of the rental car.

Towing charges to move the car to a repair shop.

Valid loss-of-use costs incurred by the car rental company.

This coverage is primary, which means that you do not need to purchase supplemental coverage or get your own insurance company involved in case of an accident. Importantly, if you accept the collision damage waiver offered by the car rental company, you will not be eligible for this benefit.

Covered persons include the cardholder, who must be listed as the primary renter, along with additional authorized drivers added to the rental agreement.

There are many vehicles that are not eligible for coverage, including:

Antique cars.

Vans built to transport more than nine people.

Motorcycles and trucks.

Motorbikes.

Limousines.

Recreational vehicles.

You must contact the benefit administrator immediately to report an accident or theft, and completed claim forms must be submitted within 100 days of the damage/theft. Any remaining supporting documents must be received within 365 day of the occurrence.

» Learn more: What your credit card rental car coverage doesn’t include

This benefit provides various roadside assistance services while traveling within the U.S. and Canada. Cardholders are covered up to $50 per incident four times per year for the following services:

Battery boost.

Flat tire service.

Fuel delivery.

Lockout assistance.

Coverage applies to the cardholder driving his/her own leased or owned car. Note that coverage is not available in areas that are not regularly traveled (off-road areas) or for heavy trucks/trailers and commercial vehicles.

To use Roadside Assistance, call 1-866-860-7978. The service is available 24 hours a day, 365 days a year.

If you’re traveling and need any sort of emergency assistance (refilling a prescription, legal referrals or translation services, to name a few), this benefit is also available 24/7. Referrals are provided free of charge, but cardholders are liable for any costs incurred for using the recommended services.

Coverage applies to the cardholder, their spouse/domestic partner and dependents under age 22.

The following services are offered:

Emergency message service.

Medical referral assistance.

Legal referral assistance.

Emergency transportation assistance.

Emergency ticket replacement.

Lost luggage locator service.

Emergency translation service.

Prescription assistance.

Valuable document delivery arrangement.

Pre-trip assistance (offers information on exchange rates, local currency, health precautions and ATM locations).

We hope that our NerdWallet readers never have to rely on this benefit. The Chase Sapphire Reserve® ’s travel accident insurance provides up to $1 million in coverage for accidental death or dismemberment and loss of speech, sight or hearing. This benefit comprises two types of insurance:

Common carrier travel accident insurance — Applies when an accident is sustained when entering, exiting or riding as a passenger on the common carrier (airplane, train, cruise ship or bus). The maximum payout is $1,000,000.

24-hour travel accident insurance — Applies to any loss sustained starting on the departure date and ending on the return date. The maximum payout is $100,000.

Note that you cannot be reimbursed under both policies, and any payment received will be for the largest eligible benefit. Chase includes a list of events that are not eligible for coverage, such as:

Illegal acts committed by the covered person.

Emotional trauma.

Mental or physical illness.

Skydiving and flying on non registered aircraft.

Claims must be filed within 20 days of the occurrence, and supporting documentation needs to be provided within 90 days.

» Learn more: 4 best credit cards for travel insurance benefits

If you or any member of your immediate family get sick or injured on vacation and require emergency evacuation, this benefit will cover costs up to $100,000. Examples of covered services can include ambulance transportation (air and land), medical supplies and private motor vehicles.

To be eligible for coverage, a licensed physician must approve the emergency evacuation. Furthermore, all transportation arrangements need to be made by the benefit administrator. The length of the trip must be between five and 60 days, and you must be 100 miles or farther from home.

Travel for medical treatment is not covered and neither are nonemergency services or experimental treatments.

Coverage extends to the cardholder, their spouse/domestic partner and dependent children under the age of 18 (or 25 if a full-time student at an accredited institution).

A completed claim form and supporting documentation need to be submitted within 180 days of the event.

This benefit provides coverage during vacation of up to $2,500 for emergency medical or dental expenses that are not covered by your medical insurance. Cardholders are responsible for a $50 deductible.

If a physician determines that you cannot travel as a result of a medical or dental emergency, this benefit will reimburse you up to $75 per day for up to five days at a hotel. The trip must be between five and 60 days and you must be 100 miles or further from home.

Covered expenses include:

Services of a qualified doctor, nurse, dentist or osteopath.

Hospital/operating room costs.

Anesthesia, X-rays or lab tests.

Ambulance transportation.

Coverage applies to the cardholder, their spouse/domestic partner and legally dependent children under the age of 18 (or 25, as long as the child is a full-time student at an accredited institution).

Chase has also outlined certain expenses that are not covered:

Nonemergency services.

Experimental care.

Services in countries that the U.S. deems as unsafe for travel.

With regard to countries deemed unsafe for travel, the card's terms single out the following countries:

Afghanistan.

El Salvador.

Kampuchea (Cambodia).

North Korea.

Be sure to review the U.S. Department of State's travel guidelines for your destination before deciding to rely on this coverage, as travel advisories could be applied to countries beyond those listed above.

If an emergency occurs, you must contact the benefit administrator immediately. A completed claim form and supporting documentation needs to be submitted within 180 days of the emergency.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

If you don’t have a premium travel credit card that offers trip insurance or feel that the protections offered by the Chase Sapphire Reserve® are insufficient, take a look at the insurance policies offered for your state. You can either check directly with an insurer you already know or browse an insurance comparison site, like Squaremouth.

Typically insurance comparison sites offer many options to choose from, including standalone medical insurance, Cancel For Any Reason , and long-term trip insurance.

The Nerds analyzed several factors before naming the Best Travel Insurance Companies . This can be a good first place to start understanding your coverage options.

Deciding which policy is best always depends on your particular circumstances, which benefits you’d like to have and the duration of your trip.

» Learn more: How to find the best travel insurance

The Chase Sapphire Reserve® is a premium travel card that offers several key travel insurance benefits. Although we hope you never need to use them, it’s good to know that the coverage is there.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

chase travel insurance terms

Should you get travel insurance if you have credit card protection?

Katie Genter

Editor's Note

Some credit cards offer built-in travel insurance as a cardholder benefit. And it may be tempting to rely on credit card travel protections instead of buying travel insurance. But, the entire point of travel insurance is to be covered if something goes wrong. So, you may be wondering whether you should buy travel insurance even if your credit card offers travel protection.

There isn't one answer that fits every traveler or situation. So in this guide, we'll explore some aspects you should consider, and I'll discuss my take on this topic. Let's dive in so you can make an informed decision for yourself.

Travel insurance you can buy

At a high level, you can pay a relatively small premium (compared to the total cost of your trip) to buy a travel insurance policy that may provide reimbursement or coverage for unexpected issues that affect your trip.

Many different types of protections fall under the term "travel insurance." Standard, comprehensive insurance policies typically include broad coverage across various potential issues.

chase travel insurance terms

But there are also policies that offer specific coverage. For example, it's possible to purchase travel insurance that only provides medical protection for international travel (such as GeoBlue ). Likewise, you can also purchase policies that allow you to select the protections you need (such as the build-your-own option with American Express Travel Insurance ).

We've previously compared the best travel insurance policies and providers . So, check out that guide to find the provider and policy that fits your needs best. You can also check a travel insurance aggregator to compare different policies quickly.

Most travel insurance policies exclude any loss incurred due to a preexisting medical condition. However, many policies include a process to obtain a waiver of the preexisting condition exclusion if you meet specific requirements. These requirements typically include purchasing the policy shortly after the first nonrefundable trip payment or deposit and being medically able to travel when you buy the policy. Some companies also require you to insure your trip's full, prepaid, nonrefundable cost to be eligible.

Likewise, all travel insurance policies have several exclusions. For example, most plans exclude medical benefits for injuries during adventure activities such as skydiving or skiing outside maintained trails.

Related: 7 things to look out for when buying travel insurance, according to an expert

Credit card travel protections

Some cards don't provide any special travel protections. But, many of the best travel rewards cards offer travel protections. Here's a look at our guides about some of the most common credit card travel protections:

  • Trip delay reimbursement
  • Baggage delay reimbursement
  • Trip cancellation and interruption insurance
  • Travel accident and emergency evacuation insurance

chase travel insurance terms

Check out our guide to the best cards that offer travel protections for more details on what card might be best for you. I also recommend reading the guide to benefits for your specific cards, as these documents will detail exactly what protections you can expect when you purchase travel with your card.

Note that some benefits require you to enroll — and virtually all require a formal claim process, with no reimbursement guarantee.

Related: Getting credit card travel insurance to cover the change fee on my Disney cruise

When to purchase travel insurance

Even if you have a credit card that offers travel protection, you may still want to purchase travel insurance for some trips. Here are some scenarios and trips for which it may make sense to purchase travel insurance.

chase travel insurance terms

Travel protections aren't offered

As discussed above, not all travel credit cards provide extensive travel protections when you book travel using the card. So, if you're using a card without travel protections or a card that only offers limited travel protections, you may want to purchase travel insurance .

Related: The best credit cards for booking flights

Some travelers aren't covered

Just because a card offers travel protections doesn't mean everyone traveling with you will be covered. In particular, travel protections usually only extend to select relatives of the cardholder. Your credit card's travel insurance may not cover friends, employees and all relatives.

Related: Who is covered by your credit card travel insurance?

Adventure activities

If you plan to partake in an activity that most insurance policies exclude, you may want to purchase a travel insurance policy that explicitly includes your activity of choice.

For example, many policies exclude adventure sports like base jumping, sky diving, free soloing, diving, mountaineering and paragliding. You may want to consider purchasing insurance from an association involved in your adventure activity, such as Divers Alert Network (DAN) if you're a diver or German Alpine Group (DAV) if you partake in alpine sports.

You're concerned about preexisting conditions

chase travel insurance terms

Most credit card trip interruption and cancellation insurance benefits exclude cancellations or interruptions caused by a sudden recurrence of a preexisting condition. So, you'll want to purchase travel insurance — and ensure you satisfy the provider's preexisting condition exclusion waiver conditions — if you want trip cancellation and interruption insurance that covers preexisting conditions.

Related: 7 times your credit card's travel insurance might not cover you

Nonmedical evacuation insurance

If you want evacuation insurance for nonmedical reasons, you should purchase travel insurance that offers this coverage even if you have a credit card with evacuation insurance .

Read the benefits guide closely, as evacuation benefits may not cover every evacuation you might need. For example, some policies don't cover evacuation from an area with a travel warning when you booked your trip or evacuation from a place suddenly inaccessible due to a landslide or other environmental incident.

Related: A Medjet medical transport membership is different from travel insurance

Cancel for any reason

Suppose you are uncertain whether you'll be able to take your trip, and you're worried that applicable credit card trip protections won't reimburse you if you decide to cancel or interrupt for a reason that isn't covered. In that case, you may want to purchase cancel for any reason trip insurance .

Related: 6 truths and myths about cancel for any reason travel insurance

You want peace of mind

Some travelers prefer to buy travel insurance — for each trip or via an annual travel insurance plan — for the peace of mind that having a travel insurance policy brings. Especially given the issues travelers have faced with a specific credit card insurance provider , it may be worth buying a travel insurance plan if you don't feel confident your credit card travel insurance and individual health insurance will combine to provide enough coverage during your trip.

Related: Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections

When credit card travel protections may be enough

Suppose you don't fall into any of the categories above and use one of the best credit cards with travel insurance when making travel purchases. In that case, you may determine that credit card protections are enough for some (or all) of your trips. However, I only recommend relying on credit card protections if you also have health insurance that will provide adequate coverage at your destination.

chase travel insurance terms

Below is a collection of reasons you can rely on credit card protections instead of purchasing independent travel insurance. If some (or most) of these reasons apply to your trip, it may be reasonable for you to rely on credit card protections instead of buying travel insurance:

  • You have personal health insurance that will cover you on your trip, even if treatment is out of network at your destination
  • You book your trip with a credit card that provides travel insurance
  • You have a credit card that provides medical evacuation benefits during your trip
  • You make refundable travel plans that you can cancel for little or no fee
  • You tend to change your plans frequently or book travel at the last minute
  • You have an emergency fund that can cover unexpected expenses if needed
  • You have airline miles or transferable points you can use to leave the area or return home if needed.
  • You avoid especially high-risk activities and destinations

The decision of whether to buy travel insurance is complex and personal. If you don't feel confident that your credit card protections and individual health insurance will provide adequate coverage, it's likely worth buying travel insurance.

Related: Why you might want to get a premium credit card instead of purchasing travel insurance

Why credit card travel insurance is usually enough for me

After researching the best travel insurance policies and providers , I purchased travel insurance for one specific trip because I wanted political evacuation coverage.

chase travel insurance terms

But for most of my trips, credit card protections and individual health insurance provide enough coverage for me. After all, my travel usually looks like the following:

  • My flights are often award flights that I can cancel and redeposit free of charge — or ones that carry minimal change and cancellation fees
  • My lodging can almost always be canceled without a penalty until shortly before my stay
  • If I book a tour or activity, it's usually within a few days of said tour or activity (or offers free cancellation)
  • My health insurance provides out-of-network coverage outside the U.S., so travel insurance would only pay for my deductible. In addition, my out-of-pocket maximum for out-of-network care is low enough to cover using my emergency fund
  • I book flights and pay for the taxes and fees for award flights using the Ink Business Preferred® Credit Card , which provides excellent travel protections for a $95 annual fee card
  • I have ample airline miles and transferable points that I can use to cover last-minute one-way flights if needed

As you can see, the benefits of purchasing travel insurance would be minimal for most of my trips. The travel protections I use most are trip delay protection and baggage delay protection , both of which the Ink Business Preferred Credit Card provides when I use it to pay for my flights.

Related: Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

Bottom line

As you book trips, you may wonder whether you should purchase travel insurance. One way to decide is to consider whether you'd be adequately covered without purchasing travel insurance if the worst happens.

If you're willing and able to cover the costs in this situation — or you feel confident you'd be adequately covered by your credit card's travel protections and health insurance — then you may want to proceed without buying travel insurance. Otherwise, I recommend purchasing a travel insurance policy shortly after you make the initial payment for your trip.

  • Best for customer satisfaction
  • Best for older adults
  • Best for long-term care
  • Best for high returns
  • Best for agent support
  • Best for term life
  • Why you should trust us

Best Life Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Summary of the Best Life Insurance Companies

  • Best for customer satisfaction:   State Farm Life Insurance
  • Best for older adults:   Prudential Life Insurance
  • Best for agent support:   New York Life Insurance
  • Best for long-term care:   Columbus Life
  • Best for high returns:   Allianz Life
  • Best for term life:   North American Company

Best Life Insurance Companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

Best Life Insurance for Customer Satisfaction: State Farm Life Insurance

State Farm State Farm Life Insurance

Bundling is standard, and agents often quote with multiple discounts.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
  • con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
  • con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
  • con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

  • Life insurance products include term and permanent life
  • Ranks highly for customer satisfaction

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review here.

Best Life Insurance for Older Adults: Prudential VUL Protector Life Insurance

Prudential Prudential Life Insurance

Offers aggressive financial plans.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
  • con icon Two crossed lines that form an 'X'. Financial returns are limited
  • con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review here.

Best Life Insurance for Long-Term Care: Columbus Life Insurance

Columbus Columbus Life

Offers lien method to makes it easier to calculate the financial impact of pulling money out early.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can pull money out for medical and other bills in the event of disease or disability
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Columbus uses lien method to simplify accelerated death payments
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a wide range of riders to customize policies
  • con icon Two crossed lines that form an 'X'. Premiums may be higher than competitors
  • con icon Two crossed lines that form an 'X'. Term policies are not guaranteed to be converted to whole

Best for long-term care and accelerated death benefits.

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Best Life Insurance for High Returns on Income: Allianz Life Insurance

Allianz Allianz Life

Offers life insurance policies for foreign nationals with H-1B visas.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans offer high returns on investment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great for investment and long-term retirement planning
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. May increase your income by as much as 20%
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Allianz offers plans for foreign nationals including H-1B visas
  • con icon Two crossed lines that form an 'X'. Plans are meant specifically for high-income adults, alternatives may not be offered

Best for investing and high returns on income.

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Best Life Insurance for Agent Support: New York Life Insurance

New York Life New York Life Insurance

Offers aggressive financial products and extensively trained agents.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong life insurance options for financial planning and wealth building
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available nationwide
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable life insurance agents
  • con icon Two crossed lines that form an 'X'. May require a medical exam
  • con icon Two crossed lines that form an 'X'. Buyers looking for more modest policies may not find the most competitive pricing

If you're preparing for a comfortable retirement or looking to build generational wealth, New York Life is one of the strongest options. If you have questions or genuinely want to understand your life insurance options, New York Life agents are among the most qualified professionals in the business.

  • Life insurance provider with policies available across the US

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

Best Life Insurance for Term Life: North American Life Insurance

Sammons Financial North American Company

Offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers accelerated death benefits for critical, chronic, and terminal illnesses
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers conversion for life policies up to 70 years old
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies can be renewed up to age 95 for qualifying applicants
  • con icon Two crossed lines that form an 'X'. Not all term policies qualify for renewal or conversion

Best Term Policy.

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Types of Life Insurance

While there's many different types of life insurance policies , broadly speaking, there are two types of life insurance: temporary and permanent. Let's go over each in detail.

Temporary life insurance

Temporary life insurance is often called term life insurance. This type of policy covers you for a set amount of time before expiring, usually between 10-30 years. If you pass away after your policy expires, your family won't receive any benefits. Additionally, your policy won't accrue cash value like a permanent policy. That said, some term life insurance policies offer a conversion from term to whole life insurance, so you can extend your coverage. 

Because its benefits aren't guaranteed, term life policies are generally cheaper than permanent life insurance. That said, the vast majority of term life insurance policies never pay out. on

Permanent life insurance

Permanent life insurance is an umbrella term for a variety of life insurance policies that will insure you indefinitely and guarantee a payout as long as you maintain your policy. Policy types that fall under permanent life insurance includes:

  • Whole life insurance
  • Universal life insurance
  • Variable life insurance
  • Variable universal life insurance
  • Simplified life insurance
  • Guaranteed issue life insurance

These policies vary widely in purpose and intended buyers, but all guarantee death benefits to your loved ones. Some permanent life insurance policies, like whole, universal, and variable have a cash value component , which you can use as a savings tool or to leave your heirs a larger death benefit.

How to Pick the Best Life Insurance Policy for You

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

Why You Should Trust Us: How We Reviewed the Best Life Insurance Companies

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

  • Paul LaPiana , head of product at MassMutual
  • Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
  • Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

  • "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
  • Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
  • Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
  • Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
  • A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best Life Insurance FAQs

According to JD Power's 2023 life insurance study, State Farm is the highest-rated life insurance company when it comes to overall customer satisfaction. However, you still may want to shop around for quotes from various insurers if you're looking to purchase a new policy.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

The best type of life insurance policy for you will differ from someone else's, as your policy should be tailored to your needs. The best policy for you will be affordable and will offer the benefits best suited to your situation. For example, some policies are only meant to cover end-of-life expenses such as burial and funeral arrangements, whereas others include living benefits like a cash value insurance plan , which you can borrow against during your lifetime.

Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. Policies with no medical exam also tend to offer lower benefits with higher premiums. Most companies have a network of medical examiners, some of whom can come to your home. You can find our guide on the best no exam life insurance here.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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  1. Guide to Chase Sapphire® travel insurance

    Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. Baggage Delay Insurance: Reimburses you ...

  2. Your guide to Chase's trip insurance coverage

    At the time of writing, Chase had given no update that would change this, which means canceling a trip you can go on but just don't want to is not covered by your Chase travel insurance. If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Chase on what types of expenses are covered for ...

  3. The Guide to Chase Sapphire Preferred Travel Insurance

    Yes, the Chase Sapphire Preferred® Card offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the ...

  4. PDF Guide to Benefits

    Important Information about your Travel & Purchase Protection Benefits. Your Guide to Benefits describes the benefit that is in efect as of 08/15/21. Information in this guide takes the place of any prior benefit and benefit description you may have previously received. Your efective date of eligibility is determined by Chase.

  5. Chase Trip Cancellation Insurance Guide

    Chase cards that come with trip cancellation insurance. The following cards include Chase trip cancellation insurance: $1,500 per covered person, $6,000 per trip. $1,500 per covered person, $6,000 ...

  6. Do Chase Credit Cards Have Travel Insurance?

    The happy answer is yes. Most Chase cards do offer some form of travel insurance. However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

  7. Using Chase Trip Cancellation Coverage

    With the Chase Sapphire Preferred® Card, Trip Cancellation Insurance will reimburse you or your immediate family members up to $5,000 for each covered trip if a covered loss prevents you from departing on your trip and results in cancellation of travel arrangements if you charged a "portion of the cost for the travel arrangements to your ...

  8. Chase Sapphire Preferred Card Travel Insurance

    The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.. If you're like most people, you hear the word "insurance," and your eyelids start feeling heavy.

  9. Chase Sapphire Travel Insurance Offered On Cards

    Travel accident insurance extends to the cardholder and immediate family members. For Chase Sapphire Preferred cardholders, the covered loss of life benefit amount in the case of a common carrier ...

  10. Chase Sapphire Reserve Card: Travel Insurance Benefits [2023]

    Terms apply to the offers below. ... Here's what you'll need to know about filing a claim for Chase credit card travel insurance benefits and/or protections. Time Is of the Essence. Each specific travel insurance coverage has stated time limits to report a claim, submit the completed and signed claim form, and for supplying all of the ...

  11. How Chase Sapphire travel insurance saved my family over $1,500

    Here are some of the travel protections of the Chase Sapphire Reserve, specifically. Trip cancellation and interruption insurance. This benefit covers up to $10,000 per person and $20,000 per trip for nonrefundable travel expenses if your trip is canceled or interrupted due to sickness, severe weather and other covered situations. As with any ...

  12. Chase Sapphire Travel Insurance Benefits Guide 2024

    N/A. Up to $100,000 (for cardholder and immediate family members) Emergency medical and dental benefit. N/A. Up to $2,500 (for cardholder and immediate family members) Travel accident insurance ...

  13. PDF Guide to Benefits

    Chase Sapphire Reserve ® Visa Infinite ® Important Information about your Travel & Purchase Protection Benefits. Auto Rental Collision Damage Waiver 03 . Baggage Delay Insurance 06 . Emergency Evacuation and Transportation 10 . Emergency Medical and Dental Benefit 14 . Extended Warranty Protection 18 . Lost Luggage Reimbursement 21 . Purchase ...

  14. Chase Sapphire Preferred Card

    The Chase Sapphire Preferred card has a long list of travel protections and insurance. You'll find the all-important primary car rental insurance, trip interruption, trip cancellation, and trip delay insurance, which can be difficult to find on other travel rewards cards. In addition, the card offers travel accident insurance, lost and ...

  15. Chase Sapphire Reserve Travel Insurance Guide

    To file a claim for Chase Sapphire Reserve® travel insurance benefits, call 1-888-675-1461. You can also file a claim online through the Eclaims Line website. This platinum card offers more than ...

  16. Chase Freedom Unlimited Travel Insurance Guide

    Travel insurance benefits and limits on the Chase Freedom Unlimited® card. Benefit type. Benefit value. Trip cancellation protection. $1,500 per person and $6,000 per trip. Trip interruption ...

  17. Chase Sapphire Preferred Travel Insurance Benefits

    Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and ...

  18. Travel Protection

    For assistance with all United Explorer Card protection benefits, please call 1-888-880-5844 or 1-804-673-1691. International charges may apply; please contact your service provider for additional details. Your miles are even more valuable when you're a United℠ Explorer Cardmember.

  19. Chase Sapphire Preferred Credit Card

    Earn 5x total points on travel purchased through Chase Travel SM, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Earn 2x on other travel purchases. Interest Rate. 21.49 %- 28.49 % variable APR.

  20. Chase Freedom Flex: Unique travel perks for a cash back card

    Here's the card's current rewards structure: 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent) 5 percent back on travel ...

  21. How I saved more than $2,600 in 2 trips with my credit card's travel

    I hopped on Chase's Card Benefit Services site to file a travel insurance claim for the mishap. Joseph Hostetler Chase was unable to proceed with the claim until the rental agency's final bill ...

  22. 10 Types of Chase Sapphire Reserve Travel Insurance

    The maximum payout is $1,000,000. 24-hour travel accident insurance — Applies to any loss sustained starting on the departure date and ending on the return date. The maximum payout is $100,000 ...

  23. When Do You Need Travel Insurance?

    Travel insurance is crucial if you're investing in a once-in-a-lifetime trip or your travel plans include high-cost, non-refundable elements like tours, cruises, or multiple connecting flights. In ...

  24. Should you get travel insurance if you have credit card protection

    Some credit cards offer built-in travel insurance as a cardholder benefit. And it may be tempting to rely on credit card travel protections instead of buying travel insurance. But, the entire point of travel insurance is to be covered if something goes wrong. So, you may be wondering whether you should buy travel insurance even if your credit card offers travel protection.

  25. Top Life Insurance Companies for June 2024: Reviews & Comparison

    Best for customer satisfaction: State Farm Life Insurance. Best for older adults: Prudential Life Insurance. Best for agent support: New York Life Insurance. Best for long-term care: Columbus Life ...

  26. Book hotels, flights, cars, cruises and more

    Earn and redeem Ultimate Rewards points with your eligible Chase card, including Chase Sapphire, Freedom, Ink Business credit cards and more. Not a cardmember? Browse travel cards. Make the most of your card benefits. Unlock travel offers and rewards on flights, hotels, activities, car rentals and must-do experiences through Chase Travel.