Card benefits, read from the guide
Chase Sapphire Preferred travel insurance: what it actually covers
Trip delay pays up to $500 per traveller once a flight is delayed more than 12 hours or forces an overnight stay. You have 60 days from the delay to open the claim.
Every figure below is read from Chase’s own Guide to Benefits, BGC11387_v2, read on 2026-07-22. Not from a comparison site.
Everything the card covers
| Benefit | Pays up to | Per | File within |
|---|---|---|---|
| Auto rental damage | $60,000 | incident | 100 days |
| Trip cancellation | $10,000 | traveller | 20 days |
| Lost or damaged baggage | $3,000 | traveller | 20 days |
| Trip delay | $500 | traveller | 60 days |
| Baggage delay | $500 | traveller | 20 days |
| Travel accident unverified | $500,000 | not known | not known |
Rows marked unverified (1) come from a compiled third-party summary rather than this issuer’s guide. Treat those amounts as indicative until we have read the guide itself.
What each one means in practice
Auto rental damage
Primary cover, which is rare. It pays before your own motor insurance rather than after, so you can decline the rental counter’s damage waiver without involving your insurer at all.
The entire cost has to go on this card. A partial payment does not qualify.
Trip cancellation
The limit is per person rather than per trip, so a family of four on one booking can reach $40,000 rather than $10,000.
Trips longer than 60 days are outside the cover entirely.
Lost or damaged baggage
The limit is per person rather than per trip, so a family of four on one booking can reach $12,000 rather than $3,000.
Sub-limits apply: $500 for jewelry and watches and $500 for cameras and electronics. Those come out of the total rather than sitting on top of it.
Trip delay
Twelve hours is the common threshold. A delay of six or eight hours, which is long enough to ruin a day and cost real money, does not reach it.
An overnight stay counts even when the delay is shorter than that.
Air traffic control delays are not on the covered list, which catches people out because it is one of the most common reasons a flight runs late.
The limit is per person rather than per trip, so a family of four on one booking can reach $2,000 rather than $500.
Baggage delay
The limit is per person rather than per trip, so a family of four on one booking can reach $2,000 rather than $500.
It pays $100 a day for up to 5 days, not $500 at once.
Baggage has to be delayed more than 6 hours, measured from when you arrive rather than when the bag was checked.
You have to report it to the airline before leaving the airport, and keep their report. Without it the claim will not be considered.
Had a delayed flight on this card? Check it against both the federal rules and these benefits. Free, no account, answer on the page.
Filing a claim
Claims are handled by Virginia Surety Company, Inc. (Assurant), not by Chase directly. Open the claim at chasecardbenefits.com or call 1-800-350-1362.
Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.
Other cards
Source. Chase Guide to Benefits BGC11387_v2, effective 10/01/24, read in full on 2026-07-22. Benefits change, and the guide in your own account is what governs your claim. If a figure here disagrees with yours, tell us and we will read it again.