When travelers go abroad, many don’t think about travel insurance until something bad happens. But those who purchase their trip with the Chase Sapphire Preferred® Card are already covered for the most common travel woes.

Who qualifies for coverage under the Chase Sapphire Preferred® Card? More important, how can you use your coverage in the worst-case scenario?

Empower yourself with the right information before you leave the country — then you'll be ready to lean on your travel insurance through Chase Sapphire Preferred® Card. Here’s what you need to know.

When does the Chase Sapphire Preferred® Card provide coverage?

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To qualify, a portion of the trip must be purchased with the Chase Sapphire Preferred® Card or with Chase Ultimate Rewards® points earned from the card. Flight purchases made with Chase Ultimate Rewards® transferred to another program will not qualify for travel insurance benefits.

In many situations, travel insurance through the Chase Sapphire Preferred® Card extends beyond the primary cardholder. Trip cancellation, trip interruption, lost luggage and baggage delay coverage includes immediate family members, even if they aren’t traveling with the primary cardholder. However, there are limits to how many people can be covered per trip.

Rental car benefits are only given to the primary cardholder, who Chase defines as the “person to whom a U.S. credit card has been issued and their name is embossed on the card.” But if you meet the qualification requirements, any authorized drivers are also included in the rental car coverage.

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Travel insurance benefits and limits on the Chase Sapphire Preferred® Card

We’ve included a table of all the travel insurance benefits provided by the Chase Sapphire Preferred® Card with further details about each benefit in the following sections.

The travel insurance benefits, explained

Trip cancellation protection

If an event out of your control prevents you from departing for your vacation, trip cancellation benefits may help you recover some of your nonrefundable costs. When you pay for your trip using your Chase Sapphire Preferred® Card or using Chase Ultimate RewardsⓇ points, the primary cardholder gets trip cancellation benefits up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered on the trip, the limit is $10,000 per trip or $20,000 per 12-month period.

The trip cancellation benefit applies if a situation arises which prevents you from traveling on or before the departure date. Covered reasons include the accidental illness or injury to the traveler or a companion, severe weather that prevents a trip, or a change in military orders for the cardholder or their spouse or domestic partner.