Chase Sapphire Reserve® Card

USA Flag Chase Sapphire Reserve® Card

Annual Fee: $795

Issuer: Chase Bank

Policy Version: October 2024

Last Updated: 2026-02-08

Policy Information

Claims Contact

  • website: chasecardbenefits.com
  • phone domestic: 1-800-350-1697
  • phone international: 001-214-503-2954

Global Limits

  • who is covered: Cardholder and Immediate Family Members
  • trip duration limit: 60 days

Coverage Summary

Coverage Area Covered? Limit Conditions Exclusions
emergency medical Start Claim
✅ Yes
$2,500
Ded: $50
  • The trip must be at least 100 miles from your primary residence.
  • You must charge all or a portion of the common carrier fare to the card or use rewards points.
  • Includes services of a physician, surgeon, nurse, dentist, or osteopath.
  • Includes charges for hospital confinement, x-rays, ambulance, and medicines.
  • Includes $75 per day for hotel recovery if prescribed by a physician (max 5 days).
  • Travel for the purpose of obtaining medical treatment.
  • Non-emergency services or supplies.
  • Care provided by family members.
  • Experimental or investigative care.
  • Conditions resulting from high-risk activities like skydiving or scuba diving.
travel accident Start Claim
✅ Yes
$1,000,000
  • Coverage applies to Common Carrier travel ($1MM) and 24-Hour travel ($100k).
  • Loss must occur within 1 year of the accident.
  • Covers loss of life, limb, sight, speech, or hearing.
  • Aggregate limit applies if multiple covered travelers are in the same accident.
  • Suicide or self-inflicted injury.
  • War or acts of war.
  • Illegal acts.
  • Piloting aircraft.
  • Professional sporting activities.
  • Racing.
trip cancellation Start Claim
✅ Yes
$10,000
  • Trip must not exceed 60 days in duration.
  • You must notify the travel supplier immediately upon cancellation.
  • Covers non-refundable prepaid travel expenses.
  • Includes change fees and redeposit fees for rewards.
  • Change in plans or financial circumstances.
  • Pre-existing conditions treated within 60 days of booking.
  • Pregnancy scheduled to be past the 26th week during travel.
  • Traveling for medical treatment.
  • Illegal acts, drug use, or self-inflicted injuries.
trip interruption Start Claim
✅ Yes
$10,000
  • Coverage includes costs to return a rental vehicle.
  • Includes ground transportation up to $250 for medical reasons.
  • Reimburses non-refundable prepaid travel expenses and change fees.
  • Coverage applies to interruption either on the way to departure or after departure.
  • Change in plans or financial circumstances.
  • Travel arrangements scheduled after the 26th week of pregnancy.
  • Disinclination to travel due to civil unrest (unless specific terrorist incident applies).
  • Default or financial insolvency of the travel supplier.
trip delay Start Claim
✅ Yes
$500
  • Delay must be more than 6 hours or require an overnight stay.
  • Valid causes include equipment failure, inclement weather, strike, or hijacking.
  • Covers reasonable expenses like meals, lodging, toiletries, and medication.
  • Coverage is secondary to other insurance or carrier reimbursements.
  • Delays caused by reasons other than those explicitly listed (e.g., air traffic control delays not related to weather/equipment are often excluded impliedly).
  • Pre-paid expenses are not covered; only expenses incurred during the delay.
lost baggage Start Claim
✅ Yes
$3,000
  • Covers checked and carry-on baggage.
  • Loss must be reported to the Common Carrier.
  • Benefits are calculated based on actual cash value (replacement less depreciation).
  • NY residents have a limit of $2,000 per bag.
  • Money, securities, checks, and tickets.
  • Furs.
  • Items inadvertently left behind by the traveler.
  • Documents or valuable papers.
delayed baggage Start Claim
✅ Yes
$100 per day
  • Covers essential items like toiletries, clothes, and chargers.
  • Limit of one charger per device.
  • Maximum benefit period is 5 days ($500 total).
  • Must be reported to the Common Carrier.
  • Hearing aids.
  • Prosthetic devices.
  • Money, securities, and valuable papers.
  • Business samples.
  • Jewelry, watches, and cameras.
rental car Start Claim
✅ Yes
$75,000
  • You must initiate and complete the entire rental transaction with the card or rewards.
  • You must decline the rental agency's collision damage waiver (CDW/LDW).
  • Coverage terminates when the rental agency reassumes control of the vehicle.
  • Inspect vehicle for prior damage before driving off the lot.
  • Antique cars (over 20 years old).
  • Cargo vans, trucks (except pick-ups), and motorcycles.
  • Limousines and vehicles rented with a driver.
  • Passenger vans seating more than 12 people.
  • Off-road operation.
cell phone protection
❌ No
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purchase protection Start Claim
✅ Yes
$10,000
  • Covers theft, damage, or involuntary accidental parting.
  • Items purchased with rewards are reimbursed in dollars.
  • Coverage is secondary to other insurance (e.g., homeowner's).
  • For NY residents, coverage duration is 90 days.
  • Animals and plants.
  • Antiques and collectibles.
  • Motorized vehicles.
  • Computer software.
  • Items lost or mysteriously disappearing (without evidence of wrongdoing).
  • Items under care of a common carrier (delivery service).
extended warranty Start Claim
✅ Yes
$10,000
  • Extends original U.S. manufacturer's warranty by 1 additional year.
  • Original warranty must be 3 years or less.
  • Valid on purchases both inside and outside the U.S.
  • Maximum coverage is $50,000 per account.
  • Boats, automobiles, and motorized vehicles.
  • Items purchased for resale or commercial use.
  • Computer software.
  • Medical equipment.
  • Used or pre-owned items.

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