7 Things to Know About Chase Sapphire Reserve Emergency Evacuation Coverage

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Health and safety are priorities when traveling the world.  So it’s important to know the details of Chase Sapphire Reserve emergency coverage when paying for your trip with the card.

Hopefully you’ll never need to use it.  But the Sapphire Reserve comes with emergency evacuation and transportation benefits.

This coverage could potentially save you tens of thousands of dollars.

Chase Sapphire Reserve Emergency

With the Chase Sapphire Reserve, You Are NOT Covered for Emergency Evacuation Benefits for an Accident Related to Scuba Diving. Plus, There’s Much More to Know About This Coverage!

I’ll share more details about the emergency evacuation coverage with the Sapphire Reserve card.

Chase Sapphire Reserve Emergency Evacuation Coverage

Link:   Chase Sapphire Reserve Guide to Benefits 

When you pay for a trip with your Chase Sapphire Reserve card, you’ll have emergency evacuation and transportation benefits should you get injured or become ill during your trip and require evacuation.

The maximum coverage amount is $100,000.  This may seem like a lot, but getting evacuated from a remote location can be extremely expensive.

And coverage with the Sapphire Reserve is supplemental.  This means you’ll be covered after any primary coverage you may have.

Here are some other important things to know about this coverage!

1.   Must Pay for Part of Trip With Sapphire Reserve

To be eligible for coverage, you must pay for at least a portion of your trip with your Sapphire Reserve card.

This means if you use miles or points to book an award flight, you need to use the Sapphire Reserve to pay any taxes and fees.

2.   Who Is Covered?

The following people will have emergency evacuation coverage as long as you pay for all or part of their trip with your Sapphire Reserve card:

  • Cardholder
  • Cardholder’s Spouse
  • Legally dependent children under age 18 (25 if enrolled as a full-time student)

3.   Trip Requirements

In order to have emergency evacuation coverage, your trip can NOT be less than 5 days or more than 60 days.

And you’ll also have to be traveling more than 100 miles away from your place of residence.

So you won’t be covered for a short weekend trip close to your home.

4.   Evacuation Must Be Pre-Approved

In an emergency situation, you’ll likely want to act quickly to get you or a loved one evacuated.

But an emergency evacuation must be pre-approved.  So you’ll have to call the benefit administrator to authorize the evacuation.

Without this pre-approval, you might not be covered for the evacuation expense, which could cost tens of thousands of dollars.

5.   Covered Airfare for a Friend or Family Member

If you are hospitalized for more than 8 days while traveling, you’ll have coverage for a friend or relative to visit.

The benefit covers the cost of a round-trip coach ticket.

You’re also eligible to get the cost of your airfare back if you’re hospitalized and miss your flight.  You’ll be reimbursed for the cost of a coach ticket.

6.   Not Covered in These Countries

You will NOT receive emergency evacuation coverage if you’re in any of these countries:

  • Afghanistan
  • Burma
  • El Salvador
  • Iran
  • Iraq
  • Kampuchea
  • Laos
  • Lebanon
  • Nicaragua
  • North Korea
  • Vietnam
  • Yemen

The terms also note coverage can be excluded in any other countries which may be determined by the US government to be unsafe for travel.

I’d check with the benefits administrator before traveling to make sure you’re covered.

7.   Not Covered for These Activities

You can NOT use the emergency evacuation benefit if you’re injured due to any of the following:

  • Contests of speed (ie: racing)
  • Hang-gliding
  • Parachuting
  • Rock climbing
  • Scuba, skin, or deep sea diving
  • Skydiving

These are NOT all of the exclusions.  So I’d recommend checking the Sapphire Reserve’s complete Guide to Benefits to see all of the exclusions.

Bottom Line – Chase Sapphire Reserve Emergency Coverage

When you pay for part or all of your trip with the Chase Sapphire Reserve, you’ll be eligible for up to $100,000 of emergency evacuation coverage.

You’ll have to meet the trip requirements and can’t be injured due to an excluded activity to get the coverage.  And your evacuation must be pre-approved.

Do you have any experience with emergency evacuation coverage?

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7 responses to “7 Things to Know About Chase Sapphire Reserve Emergency Evacuation Coverage

  1. Kampuchea? What, is this 1976? It’s been “Cambodia” for over 25 years now. Maybe Chase is saying they won’t rescue you from the Khmer Rouge?

    • Yeah, it would be great if one of these kind of websites would actually investigate what is up with them denying coverage to a country that hasn’t existed since 1990 and the current country, Cambodia, is actually a safe and popular tourist destination (no DOS travel warnings).
      I’m livid about this because I was in fact heading to Cambodia just a few weeks after obtaining this card with the specific interest in its emergency evac coverage (its something I usually spend about $200 a year on, so worth the high annual fee on this card). I was floored when I read Kampuchea, I asked for (and they agreed to undertake) an investigation and clarification of coverage but I never got an answer, couldn’t trust that I’d have the benefit so had to purchase an outside plan, and when I followed up to find out what the results of the investigation were, they had no record of my initial inquiry. Maddening for a card that promotes itself as tailored to travelers.

  2. See my article on the questions you should ask from any provider about emergency evacuation coverage: http://www.huffingtonpost.com/janice-s-lintz/do-you-have-the-medical-e_b_6886954.html

  3. And Burma, really? Why not Burma? What’s wrong with evacuating from Myanmar?

    Kampuchea — yeah, that’s also weird.

    Also, why not from Laos?

  4. @Tom, I’m originally from Cambodia and you are right, it’s been a long time since I hear my country being referred to as Kampuchea. And I wonder why it’s one of the countries on the list of NOT getting evacuated in an emergency situation.

  5. So what number to call once needed?