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

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    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.

    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:

    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:

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

    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:

    You’ll get $500,000 in coverage for:

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

    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:

    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:

    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.

    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! :)