Which Travel Insurance Plan Is Right for You? A Comparison of Chase Travel Insurance Coverage

Choosing the right travel insurance can be crucial for peace of mind when embarking on your adventures. Today, let's delve into the comprehensive Chase travel insurance coverage offered by two popular credit cards: the Chase Sapphire Preferred and the Chase Sapphire Reserve. While both cards offer robust travel benefits, understanding the nuances of their insurance policies can help you make an informed decision that suits your travel needs. It's worth noting that these coverages are complementary with your card, with no extra fee required, ensuring you're equipped with the knowledge to protect your journeys ahead.

Coverage	Chase Sapphire Preferred	Chase Sapphire Reserve
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.	Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
Lost Luggage Reimbursement	If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger	If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
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 prepaid, non-refundable travel expenses, including passenger fares, tours and hotels.	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 prepaid, non-refundable travel expenses, including passenger fares, tours and hotels.
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.	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.
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.	If your common carrier travel is delayed more than 6 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.
Travel and Emergency Assistance	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.)	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.)
Travel Accident Insurance	When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000.	When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
Roadside Assistance	If you have a roadside emergency, call 1-800-847-2869anytime to dispatch the help you need—anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.	If you have a roadside emergency, call 1-800-847-2869anytime to dispatch the help you need—anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
Emergency Evacuation and Transportation	None	If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Emergency Medical and Dental Benefit	None	If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.
In Conclusion	The Chase Sapphire Preferred includes adequate coverage for domestic trips, considering you have medical coverage all year round. It should cover Rental Car insurance, Lost Luggage, Baggage Delay, and Trip Delay.	The Chase Sapphire Reserve gives you the most comprehensive Travel Insurance of any credit card out there. In addition to all the coverages of the Preferred, you get added Emergency Evacuation, Transportation, Medical and Dental coverage, making this coverage ideal for International travel. It's important to note as well that Chase will cover your rental car in Israel, which is part of a group of countries that is not typically covered under credit card rental car insurance.

Understandably there will be a difference in the annual fee for these cards, that corresponds to the benefits they offer. the Chase Sapphire Preferred has an annual fee of $95 and includes a $50 hotel credit when booking through the Chase travel portal. The Chase Sapphire Reserve has an annual fee of $550 that includes $300 in travel credits, when charged to the card plus a host of other benefits.

Which one would you choose?

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  Chase Sapphire Preferred
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  Chase Sapphire Reserve