This page compares the travel insurance benefits provided automatically by various ultra-premium travel cards such as Chase Sapphire Reserve, Citi Prestige, and Amex Platinum. For full details about each card’s coverage, please consult each card’s benefit’s guide:
- Chase Sapphire Reserve Benefit Guide (see also: Sapphire Reserve Travel Insurance)
- Citi Prestige Benefits Guide
- Amex Platinum Benefit Directory
The following chart summarizes travel insurance provided automatically by each ultra-premium card. Cells in green indicate best in class coverage, yellow indicates good coverage, red indicates worse than peers coverage. “Pay partial” means that you can get full coverage even if you pay only part of your transportation costs with this card. For example, you could pay just the taxes and fees for an award flight. Or, you could pay part of a cruise with gift cards and the rest with the credit card.
|Auto Rental Collision Damage Waiver||Primary||Primary only
|Roadside Assistance||$50 limit per service
4X per year limit
Away from home only
|No $ limit
No freq limit
|No $ limit
4X per year limit
|Trip Cancellation and Interruption||Pay partial||Can pay partial, but then coverage limited to amt paid
|Trip Delay||6 hour delay
|3 hour delay
|Lost Luggage||Pay partial||Pay partial||Pay in full|
|Baggage Delay||6 hour delay
|3 hour delay
|Travel Accident Insurance||Pay partial||Pay partial||Pay in full|
|Emergency Evacuation and Transportation||$100K limit
|No set limit
No pay requirement
|Emergency Medical and Dental||$2,500 limit
Click on any of the above links for more information.
Based on the above chart, we can conclude that:
- Chase Sapphire Reserve is best for rental car coverage when you pay in full with the card
- When paying in full for transportation, Citi Prestige offers the best collective trip coverage
- When paying only in part with a card for transportation, Chase Sapphire Reserve is a better bet (thanks to full trip cancellation and interruption coverage; as well as emergency medical and dental)
- The Amex Platinum card is great to have for its emergency evacuation and transportation benefit. There is no need to pay for travel with this card in order to get that benefit.
|Caution: I’m far from an expert on this stuff. I did my best to read through the benefit guides to figure out what was covered and when, but I can’t promise that I got all of the details correct.|
Summary by coverage type
Each of the tables shown below summarize the benefits available with each card. With each type of coverage, I’ve listed whether you must pay for travel with the card in order to get coverage. In all cases, it is OK to pay with points rather than the credit card directly (e.g. you can pay with Ultimate Rewards points for Sapphire Reserve coverage; ThankYou points for Citi Prestige coverage; or Membership Rewards points for Amex Platinum coverage).
|Auto Rental Collision Damage Waiver||Sapphire Reserve||Citi Prestige||Amex Plat|
|Limit per claim||$75K||$100K||$75K|
|Amount required to pay w/ card to be eligible for benefit||100%||100%||100%|
(Towing, jump-start, tire change, lock out service, fuel delivery)
|Sapphire Reserve||Citi Prestige||Amex Plat|
|Limits||$50 per service; max 2 gallon fill-up, 4X per year; Must be 50+ miles from home to use this service.
||Max tow 10 miles, max 2 gallon fill-up||Max tow 10 miles, max 2 gallon fill-up, 4X per year|
|Amount required to pay w/ card to be eligible for benefit
|Emergency Evacuation and Transportation||Sapphire Reserve||Citi Prestige||Amex Plat|
|Max coverage per person per trip||$100K||$100K||No set limit|
|Amount required to pay w/ card to be eligible for benefit||Any part of trip||Any part of trip||None|
|Emergency Medical and Dental
||Sapphire Reserve||Citi Prestige||Amex Plat|
|Max coverage per person per trip||$2,500||N/A||N/A|
|Amount required to pay w/ card to be eligible for benefit||Any part of common carrier transportation||N/A||N/A|
It’s important to note that this coverage is part of the Amex “PREMIUM GLOBAL ASSIST HOTLINE”.
There is no requirement to pay for any part of your trip with your Amex Platinum card to use this benefit.
Here are the relevant terms from the above linked document:
Premium Global Assist Hotline can help you prepare for your trip with customs information and more. While you’re traveling more than 100 miles from home, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals are only a phone call away. Plus, we may provide services related to emergency medical transportation assistance. Card Members may be responsible for the costs charged by third-party service providers. Additional restrictions apply, see below.
Please note that any assistance provided by this benefit cannot be in violation of U.S. economic or trade sanctions.
Premium Global Assist Hotline Toll Free: 1-800-345-AMEX (2639) Direct Dial Collect: 1-715-343-7979
Emergency Medical Transportation Assistance In the event that the Card Member or another covered family member (your spouse or domestic partner, dependent up to age 23, or age 26 if full-time student) traveling on the same trip itinerary as the Card Member becomes injured or ill while traveling and is seeking or has sought medical treatment, the Premium Global Assist Hotline medical department can assess the medical need for transportation and provide the service.
A medical evacuation may be provided at no cost to the Card Member or covered family member from point of illness or injury (when the Card Member or covered family member is under the care of a local medical service provider or facility) to a more appropriate medical facility or to a hospital near the person’s home as determined by the Premium Global Assist Hotline designated physician. The Premium Global Assist Hotline designated physician, in consultation with the local medical service provider or facility, will determine whether such transport is medically necessary and advisable. The event must be within the first 90 days of the trip and cannot be a pre-existing condition. A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60 day period immediately prior to the start of a trip. The person needing evacuation may need to complete a medical information release as required by the Health Insurance Portability and Accountability Act (a “HIPAA Release”), or provide authorization for next of kin to complete the release. Emergency transportation services in connection with the medical emergency may also be provided to a covered family member pursuant to the full Emergency Medical Transportation Assistance Terms and Conditions at the end of this document. Subject to additional important terms, conditions and exclusions. Please see full Terms and Conditions at the end of this document.
Very Important: Any costs for medical transport not authorized and arranged through the Premium Global Assist Hotline Program are solely the responsibility of the Card Member and such costs will not be reimbursed. Premium Global Assist Hotline does not cover medical expenses (with the exception of cost incurred during the transport) nor transportation of personal possessions including luggage.
Repatriation of Mortal Remains In case of death of a covered Card Member or covered family member (your spouse, dependent up to age 23, or age 26 if full-time student) while traveling with the Card Member, the Premium Global Assist Hotline medical department can provide the necessary administrative services to effect the transportation of the mortal remains back to the person’s principal place of residence or place of burial, whichever is closer. As an additional benefit, Premium Global Assist Hotline can pay for the cost of the transport and, subject to approval, the cost of a coffin or other encasement of the remains suitable for travel.