Card benefits, read from the guide

Chase Sapphire Reserve Baggage Delay: what you get and how long you have

Chase Sapphire Reserve pays up to $500 ($100 a day) when your bag is delayed over 6 hours. Up to $3,000 if it is lost or damaged. File within 20 days. Below: the exact trigger, what counts as an essential item, who is covered, and the deadline — read from Chase’s own benefits guide.

Everything else Chase Sapphire Reserve covers: delays, cancellation, car hire

Trip delay pays up to $500 per traveller once a flight is delayed more than 6 hours or forces an overnight stay. You have 60 days from the delay to open the claim.

Everything the card covers

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 $20,000 rather than $10,000. Four people at $10,000 each would come to $40,000, but the guide caps any one trip at $20,000.

Across a year this card pays at most $40,000 for this benefit, however many trips.

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.

Emergency medical

The limit is per person rather than per trip, so a family of four on one booking can reach $10,000 rather than $2,500.

There is a $50 deductible.

Trip delay

Six hours is an unusually low threshold. Most cards start at twelve, including cards from the same issuer, so this one reaches delays the others miss.

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.

How to file a claim

Your deadlines

Opening a claim and sending the documents are two different deadlines. Open it early, even while you are still collecting receipts.

What to keep

• The airline’s written explanation of the delay or cancellation.
• Your card statement showing the fare was paid on this card.
• Itemised receipts for everything you are claiming.
• The original itinerary, including the flight numbers and dates.

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