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Get $500 in Trip Delay Protection When Adding Authorized Users to Chase Sapphire Preferred

Get $500 in Trip Delay Protection When Adding Authorized Users to Chase Sapphire Preferred

Million Mile SecretsGet $500 in Trip Delay Protection When Adding Authorized Users to Chase Sapphire PreferredMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Major flight delays can wreak havoc on your itinerary and cost you money.

Not to mention the extra money you could have to spend on things like food and transportation,.

I’ve written that Chase cards like the Chase Sapphire Preferred offer trip delay insurance when you use your card to pay for your flight.  While the Chase Sapphire Preferred covers certain trip delays for you, your spouse, and children under 22, it does NOT cover parents, cousins, girlfriends, boyfriends, etc.

But did you know you can share this perk by adding them as authorized users?

Get 500 In Trip Delay Protection When Adding Authorized Users To Chase Sapphire Preferred
The Chase Sapphire Preferred Can Take the Stress Off Your Pocketbook When Your Flight Is Delayed by Reimbursing You for up to $500! And Authorized User Cards Get This Perk Too!

You’ll have to do more than just add the non-family member as an authorized user.  I’ll explain!

What’s Covered With the Chase Sapphire Preferred Card’s Trip Delay Insurance?

Link:   Chase Sapphire Preferred

Link:   My Full Review of the Chase Sapphire Preferred

Link:   Chase Sapphire Preferred Benefits Guide

Paying for your flight with the Chase Sapphire Preferred is a smart move.

You’ll earn 2X Chase Ultimate Rewards points on travel that you can redeem for cash back, flights with no blackout dates, or transfer to airline and hotel partners for Big Travel.  Plus, if you experience a delay, you could be reimbursed for up to $500 per ticket.

Get 500 In Trip Delay Protection When Adding Authorized Users To Chase Sapphire Preferred
Don’t Let Long Delays Can Put a Dent in Your Vacation Fund! When You Pay with the Chase Sapphire Preferred, You’re Covered Up to $500

This includes airline tickets, cruises, and train travel.  But commuter trains, buses, and taxis do NOT qualify.

Just pay for your ticket with the Chase Sapphire Preferred, and you’ll get reimbursed when:

“your Covered Trip is delayed by a Covered Hazard for more than twelve (12) hours or requires an overnight stay.”

You don’t have to pay the full ticket price, paying a small portion counts too.  So you can use your miles & points to cover the cost of your ticket and pay the taxes & fees with your Chase Sapphire Preferred card.

Covered reasons for your delay are:

  • Equipment failure
  • Hijacking
  • Inclement weather
  • Labor strikes
  • Skyjacking

And you’ll be reimbursed for additional expenses such as:

  • Food
  • Lodging
  • Medication
  • Toiletries

But delays made public prior to departure as well as prepaid expenses are NOT covered.

Keep in mind, this is secondary insurance, so Chase will only reimburse you for expenses NOT already covered by the carrier or other insurance.

This policy only covers you, your spouse, or your dependent children under 22 years old.  So unfortunately, if you’re traveling with your grandparents, girlfriend or boyfriend, sibling, or friend and pay for their ticket they are NOT covered.

But there’s a way around this!

Authorized Users Are Covered Too!

I’ve let you know about 5,003 great reasons to add an authorized user to your Chase Sapphire Preferred card.  And this is 1 more to add to the list!

The terms in the Chase benefits guide say:

You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), your spouse, and your dependent children under twenty-two (22) years of age are automatically covered when a portion or the entire cost of the Common Carrier fare, is purchased with your Chase credit card account (“Account”)

I called the Benefits Administrator to find out if an authorized user is considered a “Cardholder” for the terms of this policy.  And they confirmed, authorized users are also covered.

But They Must Pay With Their Authorized User Card

So if you plan on traveling with a friend or family member who isn’t covered under your own policy, you can add them to your account (if you trust them with your credit!).  Then when they buy an airline ticket for themselves, their spouse, or their dependent children, and pay with their Chase Sapphire Preferred authorized user card, they’ll be reimbursed if there’s an eligible delay.

Get 500 In Trip Delay Protection When Adding Authorized Users To Chase Sapphire Preferred
Add Your Loved Ones as a Chase Sapphire Preferred Authorized User and They’ll Be Covered When There Are Unexpected Delays

How to File a Claim

To start a claim, contact the Benefits Administrator within 60 days of the delay at 888-320-9961 or if you’re outside of the US, call collect at 804-673-1691.

They’ll send you a form and request documentation.  You must respond within 100 days of the incident.

Get 500 In Trip Delay Protection When Adding Authorized Users To Chase Sapphire Preferred
Hang On to Your Receipts and Other Documentation!

You’ll need to provide the following information:

  • Receipt showing that the travel fare was charged to your eligible card.  If more than 1 method of payment was used, include documentation that shows a portion of the purchase was made with your account.
  • A copy of your ticket
  • Copies of receipts for the claimed expenses
  • Any other documentation requested by the Benefits Administrator
  • A statement from the carrier indicating the reasons your trip was delayed

How to Get a Statement From the Airline

Before you leave the airport ask a customer service agent to issue you a military excuse (you do NOT have to be in the military).

Explain why you need the statement and ask nicely for the following information to be included:

  • That you were delayed
  • The reason why you were delayed (mechanical, etc.)
  • The delay was more than 12 hours or required an overnight stay

Mile Writer has some tips and an example of a military excuse in his post.

Bottom Line

When you pay for your or your spouse’s or children’s flight, cruise, or train ticket (even just a portion of the total price) with the Chase Sapphire Preferred card, you’ll get Trip Delay coverage.

So if your trip is delayed more than 12 hours due to equipment failure, labor strikes, or weather, you could be reimbursed for up to $500 in expenses.

Other family and friends are NOT covered on your card.  But if you add them as an authorized user, they can also be reimbursed for up to $500 for major delays when they pay for their (or their spouse and dependent children’s) trip with their authorized user card.

Make that 5,004 reasons to add an authorized user to your Chase Sapphire Preferred account!  Just be sure you also know the risks.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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My husband and I are planning a tour that will cost $8500 each (including airfare). If we each pay for the tour with our own card (one primary, one authorized user) will we each be covered up to $8500?

If we pay the whole cost with the primary card holders card, I think we will only be covered up to $10,000 total.

Thank you so much for this post. I tried this on my own about 4 months ago and despite several calls to United, I couldn’t get a document that would satisfy Chase. I never got reimbursed because of the HUGE hassle factor. This time, I recalled your post so I called today and asked for a military excuse. They knew what to do and are supposedly emailing and mailing it to me. Thank you! Next time, I’m not leaving the airport without it. Because despite clear evidence including screenshots from Delta about the delay, it was STILL not acceptable to get reimbursed (see reimbursement response below). You just allowed me to use this card benefit that previously was on paper only and in reality non-existent. I’ll let you know if I ever do actually get reimbursed for hotel, uber and food. From credit card benefits – ” Thank you for submitting your completed Trip Delay Reimbursement claim form. We have carefully reviewed the information provided to date and note that additional documents are required to promptly process your claim. Please assist us by providing the following:

A letter from the common carrier outlining the reason for the delay.”

@Sumeet – Yes, authorized users also qualify for the primary rental card insurance. Keep in mind, this only covers the rental car in case of accident or theft. You’ll still need additional coverage for any injuries or damage to someone else’s vehicle or property.

@cher – You have to pay at least a portion of the ticket with your Chase Sapphire Preferred card.

Does this apply to flights booked on Chase’s website using Sapphire Ultimate Rewards points or just with payment by credit card using $?

Do Authorized Users also get full car rental insurance benefits as primary card member on Chase Sapphire Preferred?