One of the benefits of paying for travel with a Chase Sapphire card is the excellent travel coverage in case something goes wrong. After charging your trip to the card, you’ll receive coverage for trip delays, trip cancellation/interruption, delayed baggage and lost baggage.
One additional coverage you’ll get from the Sapphire Reserve card is emergency evacuation coverage. When paying for a trip, you’ll get $100,000 worth of coverage if you need to be transported due to medical reasons. This isn’t a reason to keep the card, but it’s nice to know I have it if needed when I use the Sapphire Reserve to pay for flights.
If we’re going on a big trip, I will purchase a separate travel insurance policy that covers our expenses in case of delays and evacuation coverage. And yes, you do need to buy medical insurance coverage when traveling outside of the USA.
It’s a good thing we did because I found this tidbit hidden in the fine print when looking through the Chase Sapphire Reserve’s emergency evacuation and emergency medical & dental coverages.
Benefits paid will not exceed Reasonable and Customary charges. In addition, the Emergency Medical/Dental Coverage benefit does not apply to any expense resulting from:
Care received in Afghanistan, Myanmar, El Salvador, Iran, Iraq, Kampuchea, Laos, Lebanon, Nicaragua, North Korea, Vietnam, Yemen, and any other country which may be determined by the U.S. Government from time to time to be unsafe for travel.
According to the US Department of State, there are four categories. Vietnam is in category 1 (exercise normal precautions), and Laos is in category 2 (exercise increased caution.) I can’t see how those countries are excluded but category 3 countries (reconsider travel), like China, aren’t excluded.
You can do nothing if the coverage from a credit card excludes where you are traveling. However, knowing this makes it more important to read the fine print when purchasing your own travel insurance.
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