Authorized users on Chase cards receive full travel insurance benefits

Chase's credit card travel insurance policies extend to authorized users, offering a comprehensive range of benefits. This includes trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, and lost luggage reimbursement. According to Chase's terms and conditions, 'Covered Travelers' include domestic partners and family members.

To be eligible for these benefits, the cost of the trip must be charged in whole or in part to the Chase Sapphire Reserve card or booked using Chase Ultimate Rewards points. Notably, there is no distinction between primary cardholders and authorized users regarding coverage. A representative from Chase confirmed that authorized users are covered similarly to primary account holders. This coverage extends to their immediate family members as well.

While some may hesitate at the $75 annual fee for adding an authorized user to the Chase Sapphire Reserve card, this fee grants them full travel insurance coverage akin to primary cardholders. The value proposition becomes more apparent when considering potential savings through comprehensive coverage provided by Chase's policies.