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Happy Travel Tuesday! Today I’m sharing a perk of my FAVORITE travel credit card. If you’ve been following along with me for a while, you may remember this post from way back when where I shared 5 reasons the Chase Sapphire Preferred is the best travel credit card (the post went live prior to the unveiling of the Chase Sapphire Reserve – you can compare the two cards along with other travel cards here!).
Chase Sapphire Preferred Travel Protection
One perk that I didn’t mention in that original post is the Chase Sapphire Preferred travel protection. It’s a perk that you may not think that much about, one that gets overlooked quite often. But let me tell you, when you need it, it comes in SO handy! It saved Michael and I roughly $500 on a recent trip! Don’t worry, I’m going to tell you exactly how to utilize the perk so that you NEVER have to worry about the expenses that come along with derailed travel plans.
So first, let me explain the perk. Check out my older post for all of the additional perks of the card. Today, I’m just focusing on the travel protection. 🙂 The Chase Sapphire Preferred card offers what they call Travel and Purchase Protection. Essentially, if you book your travel with the Chase Sapphire Preferred credit card (flights), and your travel is delayed by more than 12 hours OR requires an overnight stay, you, and any other person that you booked a ticket for with your Sapphire Preferred, are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket (you must pay for the lodging, meals, etc. with the Sapphire Preferred).
How It Saved Me $500
Now, let’s put it to use with a real life example. Michael and I booked Southwest Airlines flights with our Chase Sapphire Preferred credit card to Mobile, Alabama for a wedding last summer. Our flight out of DCA was delayed so we missed our connecting flight from Nashville to Mobile (technically, Pensacola). The Nashville to Pensacola flight was the last one out that night, which meant our travel delay required an overnight stay! Since we booked our flights with the Chase Sapphire Preferred, the Travel and Purchase Protection kicked in. It’s also important to know that we didn’t accept any reimbursements or offers from Southwest Airlines as compensation. This is key. You are not covered by the protection if you accept other forms of reimbursement.
Michael immediately called Chase to confirm that any expenses incurred (hotel, meals etc.) would be reimbursed, and in fact, Chase confirmed they would be! So long as we paid for them with the Chase Sapphire Preferred card.
We booked a hotel downtown since I’d never been to Nashville before (no janky airport hotel, yay!), took a Lyft to our hotel, and went out to dinner downtown! It was actually such a fun place to get stuck for the night.
In total, we paid for the hotel, transportation from the airport (Lyft), dinner, breakfast the next morning, and another Lyft back to the airport all with the Sapphire Preferred. In total, we spent $471.
To receive reimbursement, you have to go through the claims process with Chase, which is a bit cumbersome, but not bad so long as you’re organized and keep all screenshots of delayed/canceled flights and copies of all of your receipts! Michael handled the claim filing process, and lucky for you, he wrote an entire post explaining, step-by-step, what you need to do should you ever need to file a claim for reimbursement! Check out his post for all the dirty details.
Long story short, we were reimbursed in-full for all of our expenses that we incurred because of the travel delay!
Just another reason why the Chase Sapphire Preferred is one of my favorite credit cards to have in my wallet!
Interested in checking out the perks of the Sapphire and comparing it with other travel credit cards?! Check out this super helpful comparison list. If you have any questions about the card or other travel credit cards, feel free to shoot me an email at email@example.com and I can walk you through any questions you might have!
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