6 Things to Know About Chase Sapphire Reserve Emergency Medical & Dental Coverage

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6 Things to Know About Chase Sapphire Reserve Emergency Medical & Dental Coverage

Million Mile Secrets6 Things to Know About Chase Sapphire Reserve Emergency Medical & Dental CoverageMillion Mile Secrets Team

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Accidents can happen anytime, so it’s nice to know about Chase Sapphire Reserve emergency medical coverage.  And its dental coverage too!

Chase Sapphire Reserve Emergency Medical Coverage
The Medical & Dental Coverage From the Chase Sapphire Reserve Card Can Save You Money If You Have an Emergency While You’re Traveling!

Here are more about the details of the Chase Sapphire Reserve’s emergency medical & dental benefit.  It’ll tell you what it does and does NOT cover!

About Chase Sapphire Reserve Emergency Medical Coverage

Link:   Chase Sapphire Reserve Review

Link:   Chase Sapphire Reserve Benefits Guide

Link:   How Can You Save Money on Travel Insurance

With the emergency medical & dental coverage from the Chase Sapphire Reserve, you can be reimbursed up to $2,500 for emergency medical & dental expenses if you or your immediate family member become sick or injured.

You must also be 100+ miles from home and on a trip lasting between 5 and 60 days.

But what types of emergencies qualify?  Here are a few examples!

1.   I Bought My Airline Tickets With Another Card.  Can I Still Use the Medical & Dental Benefit From the Chase Sapphire Reserve?

You’re only covered if your trip was purchased with your Chase Sapphire Reserve card or the Chase Ultimate Rewards points you earned with your Sapphire Reserve card. 

Or, if part of the cost of your trip was paid for with your Chase Sapphire Reserve.  Like paying taxes and fees on an award ticket.

And per Chase’s benefit guide, you must be traveling on a “common carrier,” like an airline, bus, cruise ship, or train.

Chase Sapphire Reserve Emergency Medical Coverage
If You’re Crossing Asia in a Tuk Tuk, You Won’t Be Covered. Though I Doubt This Driver Accepts Credit Cards Anyway 😉

2.   How Much Is Covered?

The emergency medical & dental benefit will cover up to $2,500 in qualifying medical or dental expenses, after a $50 deductible.  But it will only cover expenses NOT covered by your own insurance.

Plus, Chase will give you up to $75 per day for a hotel room (up to 5 days), if the doctor prescribes it, after you’re released from hospital but before you return home.

3.   I Broke My Ankle Hiking Around Machu Picchu.  Am I Covered?

It’s likely you’d be covered by Chase Sapphire Reserve’s medical benefit.  Because they’ll reimburse you for eligible medical expenses from sickness or accidental injury (like a broken ankle!) that are NOT covered by your medical insurance.

Then the Shaman Healer Said He Could Fix My Ankle.  Is That Covered?

While ancient healing techniques are interesting and I believe in the power of meditation, Chase’s medical benefit only covers care received at medical facilities like hospitals and clinics, by doctors, nurses, and other medical professionals.

Also, it’s worth noting that the terms specifically exclude activities like skydiving, scuba diving, hang gliding, and rock climbing.  It’s a good thing Million Mile Secrets team member Meghan landed in one piece when she jumped out of that plane in Australia! 😉

4.   Is My Mom Covered If We’re Traveling Together?

Emily and I love using miles and points to take our families on amazing adventures.  But unfortunately, moms, dads, sisters, and brothers, for example, are NOT covered by Chase Sapphire Reserve’s emergency medical and dental benefit.

Unless they’re an authorized user on the account!  This costs $75 per year.

Then they can use their Chase Sapphire Reserve card to pay for all or part of the trip, and be covered under the card’s emergency medical & dental benefit too.

Chase Sapphire Reserve Emergency Medical Coverage
Even My Amazing Dad Wouldn’t Be Covered Under the Emergency Medical & Dental Benefit From MY Chase Card! Unless I Added Him as an Authorized User!

Otherwise, only the cardholder and their spouse or domestic partner, and children, can take advantage of the coverage.

Plus, the child has to be less than 18 years old (less than 25 years old if they’re enrolled in college) to qualify.

5.   My Filling Fell Out During My Vacation.  Is My Trip to the Dentist In Spain Covered?

Losing a filling isn’t considered an emergency, so it wouldn’t be covered.  But a dental emergency can happen any time!

Million Mile Secrets team member Scott once had an unexpected emergency with an infected cavity in Europe.  Because of horrendous pain, he had to have the tooth pulled.

Had he been covered by Chase’s emergency dental benefit, they might have been able to save the tooth.  Because they would have covered up to $2,500 in care!

6.   When Should I Call Chase If I’ve Had an Accident?

You should call the number on the back of your card immediately.  Because the cardholder must notify Chase within 90 days of the qualified emergency.

Plus, it’s a good idea to check with Chase before you get treatment (if you can!), to make sure you’re covered.

For more detailed information, check out the Chase Sapphire Reserve’s benefits guide including Chase Sapphire Reserve Emergency Medical Coverage here.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 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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A major issue which negates their insurance you did NOT highlighted is it only covers travel purchased no more than 90 days before the trip! They only note this in the section on what documentation is required to submit a claim. You should add this to any table comparisons between credit cards!!

@European – Thank you for sharing your experience!

If you are an authorized user on other cards, be sure and tell Chase that you do not use those cards, it makes a difference in their decision to approve you or not. After my first unsuccessful call to reconsideration line, said I was very unhappy that Chase counts my AU cards and that I never use them. Only then did specialist look back over application and eventually approve me. Was at 4/24 with 3 additional AU cards.

Interesting on Authorized user. When i called, i was told it counted against me. SUCH BS! Denied me for a card on the basis of that.

I think i am going to go into my branch and see what is “up” rather than dealing with ppl on the phone and arguing.

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