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$1,000,000 Chase Sapphire Reserve Travel Accident Insurance – What to Know

$1,000,000 Chase Sapphire Reserve Travel Accident Insurance – What to Know

Million Mile Secrets$1,000,000 Chase Sapphire Reserve Travel Accident Insurance – What to KnowMillion Mile Secrets Team

Chase Sapphire Reserve travel accident insurance is a benefit I hope no one ever has to use.

The cardholder and immediate family members can get $1,000,000 of insurance coverage should there be a loss of life while traveling on an airplane, bus, cruise ship, or train.  This coverage also applies in certain cases when you’re traveling to or from the airport, terminal, or train station.

Chase Sapphire Reserve Travel Accident Insurance
In the Unlikely Event of an Accident, the Sapphire Reserve Provides $1,000,000 of Loss of Life Coverage When Traveling on an Airplane, Bus, Train, or Cruise Ship

I’ll explain more about the Sapphire Reserve’s travel accident insurance.

About Chase Sapphire Reserve Travel Accident Insurance

Link:   My Review of the Chase Sapphire Reserve

Link:   Chase Sapphire Reserve Benefits Guide

The Sapphire Reserve’s $1,000,000 travel accident insurance is provided automatically and at no additional cost to the cardholder.

Here are 4 other important things you should know.

Who Is Covered?

The cardholder and immediate family members will have travel accident coverage as long as part or all of their trip is paid for with the cardholder’s Sapphire Reserve.

Immediate family members include:

  • Cardholder’s spouse or domestic partner
  • Children, including adopted children or stepchildren
  • Legal guardians
  • Siblings or siblings-in-law
  • Parents or parents-in-law
  • Grandparents
  • Grandchildren
  • Aunts or uncles
  • Nieces or nephews

You’ll have coverage with award flights as long as you’re traveling on a Chase airline partner like Southwest or United Airlines.

And the primary cardholder does NOT have to be traveling on a trip for immediate family members to have this coverage.

When Are You Covered?

The travel accident insurance covers you and immediate family members when you are:

  • Traveling as a passenger on an airplane, bus, cruise ship, or train
  • Traveling to or from the airport, terminal, or train station on a courtesy shuttle or authorized for hire method
  • Waiting at the airport, terminal, or train station

For example, you or a covered traveler have coverage when you’re traveling in a taxi to the airport.

Chase Sapphire Reserve Travel Accident Insurance
When You Pay With the Sapphire Reserve, You’ll be Covered for Losses in a Taxi on the Way to the Airport, Train Station, or Cruise Terminal

Maximum Coverage Amount

The travel accident benefit provides $1,000,000 loss of life coverage per person per trip.  But there’s a $2,000,000 maximum limit.

If loss of life occurs for 2 or more people on your trip, the $2,000,000 will be divided by the number of covered persons.

Besides loss of life, you’ll also have $1,000,000 coverage for:

  • Loss of speech and loss of hearing
  • Loss of speech and 1 loss of hand, loss of foot, or loss of sight
  • Loss of hearing and 1 loss of hand, loss of foot, or loss of sight of 1 eye
  • Loss of 2 hands, loss of 2 feet, loss of sight, or a combination of any 2

You’ll get $500,000 in coverage for:

  • Loss of hand, loss of foot, or loss of sight of 1 eye
  • Loss of speech or loss of hearing

And you’ll get $250,000 in coverage for:

  • Loss of thumb and index finger of the same hand

Who Receives the Payment?

Loss of life benefits are paid to the covered traveler’s beneficiary.  If the person does not have a beneficiary, Chase will pay the benefit to the traveler’s survivors as follows:

  • Spouse or domestic partner
  • Children
  • Parents
  • Siblings
  • The estate of the traveler

Bottom Line About Chase Sapphire Reserve Travel Accident Insurance

When you pay for a trip with the Chase Sapphire Reserve, you’ll automatically get $1,000,000 in travel accident insurance.  This coverage applies to:

  • Any paid flight
  • Award flights on Chase airline partners
  • Cardholder and immediate family members as long as part of trip is paid with the Sapphire Reserve
  • Passenger travel on an airplane, bus, cruise ship, or train
  • Travel to or from an airport, cruise terminal, or train station in a taxi or authorized transportation method

This benefits covers other losses during your travel time too, like loss of sight or loss of hearing.

For more details and how to file a claim, I’d recommend reading the complete Benefits Guide for the Sapphire Reserve.

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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

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If I go to southwest.com and book a flight with points, there is only $5.60 government-imposed September 11th Security fee I pay with Sapphire Reserve card. Does this purchase qualify for $1 million accidental life insurance? Please note the points I have on southwest.com come from using my southwest credit card, I may transfer some points from Sapphire Reserve card to southwest.com if it makes a difference.