Murphy's Law for travelers seems to be that if you fly often enough, you're bound to have your luggage lost at some point. How I save money with the Chase Sapphire Reserve® travel insurance If you qualify, you'll be reimbursed for any non-refundable reservations you made. You do have to have cancelled or been delayed for one of their approved reasons, which include accidental injury or illness, loss of life, severe weather, jury duty, or a change in military orders. If your trip is ever delayed or cancelled and you've already prepaid your hotel or tours, trip cancellation and trip delay reimbursement come in handy. This benefit also covers ambulance services. The Chase Sapphire Reserve® is one of very few credit cards to offer any emergency medical and dental insurance, which covers medical and dental care deemed medically necessary while you're traveling. That being said, the Reserve beats out the Platinum in all other categories. The Chase Sapphire Reserve® does offer emergency evacuation coverage of up to $100,000, although in some situations, even that might not be enough. The Platinum Card does offer very generous emergency medical evacuation up to $100,000, which is one form of insurance that's often overlooked but extremely important given that the cost of medical evacuation, should you ever need it, can easily reach six figures. Keep in mind that you must purchase your travel with your credit card in order to receive the protections explained below. Meanwhile, the Chase Sapphire Reserve® offers what are arguably the best, most extensive travel insurance and travel-related protections of any credit card on the market. When it comes to travel insurance, the Platinum Card offers surprisingly little for a premium travel card. Comparing travel insurance between the Chase Sapphire Reserve and the Platinum Card Even though I've rarely had to use it, the travel protections offered by the Chase Sapphire Reserve® save me hundreds of dollars per year. Instead, it has to do with travel insurance. However, the reason I prefer the Chase Sapphire Reserve® has nothing to do with rewards. Some prefer the travel partners associated with Chase's Ultimate Rewards system, while others prefer those that come with American Express's Membership Rewards system. The Platinum Card nets you more points on airline tickets than the Chase Sapphire Reserve® but fewer on dining. The Chase Sapphire Reserve® offers more flexible travel credits, but the Platinum Card has better luxury perks for some. The battle between the two cards most beloved by frequent travelers is never-ending. If I had to choose between the two, the Chase Sapphire Reserve® is an easy winner in my book, although probably not for the reasons you'd assume. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept ourĪs a self-proclaimed credit card rewards junkie, I've had both of what most would consider the two most popular premium travel cards: the Chase Sapphire Reserve® and The Platinum Card® from American Express.
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