7 Things to Know About Chase Sapphire Reserve Emergency Evacuation Coverage
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.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.
I’ll share more details about the emergency evacuation coverage with the Sapphire Reserve card.
Chase Sapphire Reserve Emergency Evacuation Coverage
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’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:
- El Salvador
- North Korea
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)
- Rock climbing
- Scuba, skin, or deep sea diving
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?
Chase Sapphire Preferred® CardAPPLY NOW
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®
2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Either $5 or 5% of the amount of each transfer, whichever is greater.
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! :)