🇺🇸 Chase Sapphire Reserve® Card

Conditions

• • 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).

Exclusions

• × 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.

Conditions

• • 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.

Exclusions

• × Suicide or self-inflicted injury.
• × War or acts of war.
• × Illegal acts.
• × Piloting aircraft.
• × Professional sporting activities.
• × Racing.

Conditions

• • 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.

Exclusions

• × 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.

Conditions

• • 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.

Exclusions

• × 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.

Conditions

• • 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.

Exclusions

• × 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.

Conditions

• • 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.

Exclusions

• × Hearing aids.
• × Prosthetic devices.
• × Money, securities, and valuable papers.
• × Business samples.
• × Jewelry, watches, and cameras.

Conditions

• • 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.

Exclusions

• × Money, securities, checks, and tickets.
• × Furs.
• × Items inadvertently left behind by the traveler.
• × Documents or valuable papers.

Conditions

• • 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.

Exclusions

• × 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.

Conditions

Exclusions

Conditions

• • 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.

Exclusions

• × 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).

Conditions

• • 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.

Exclusions

• × Boats, automobiles, and motorized vehicles.
• × Items purchased for resale or commercial use.
• × Computer software.
• × Medical equipment.
• × Used or pre-owned items.