Credit cards provide many types of insurance coverage that most people never know about. For example, I didn’t realize that the American Express Gold Card has purchase protection until I needed to file a claim when our dog ate the zipper off my wife’s backpack.
When I looked into the best and worst travel coverages offered by the premium travel cards, the one card that came out on top was the Sapphire Reserve. Several readers were quick to point out that I left out one travel coverage the Sapphire Reserve has which can save your life – Emergency Evacuation and Transportation coverage.
Here’s a brief explanation from the Chase website.
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
The card provides $100,000 of coverage if you pay for any portion of your trip with the Sapphire Reserve. You can find a complete description of the benefit in the Chase Sapphire Reserve benefit guide (which is that booklet that came with your card and you immediately threw in the trash. Thankfully, Chase publishes an updated version online).
If you weren’t aware, medical evacuations are expensive and are not always covered by insurance. If we’re on a big trip far away from home, I usually ensure that our travel insurance includes this coverage, often for $500K or more. Insurance companies can offer such coverage because the chances of needing it are unlikely. However, when we’re on a Caribbean cruise, I’m not worried about getting flown around the world. I just need to get back to Florida and $100K of evacuation coverage should be plenty to cover any emergency.
To be honest, I don’t use the Sapphire Reserve to book travel only because of the Emergency Evacuation and Transportation coverage. However, knowing it’s there makes it easier to justify keeping the Sapphire Reserve instead of downgrading to the Sapphire Preferred.
Want to comment on this post? Great! Read this first to help ensure it gets approved.
Want to sponsor a post, write something for Your Mileage May Vary, or put ads on our site? Click here for more info.
Like this post? Please share it! We have plenty more just like it and would love it if you decided to hang around and sign up to get emailed notifications of when we post.
Whether you’ve read our articles before or this is the first time you’re stopping by, we’re really glad you’re here and hope you come back to visit again!
This post first appeared on Your Mileage May Vary
10 comments
Doesn’t the AMEX Platinum card provide unlimited medical evacuation and repatriation protection to cardholders and their family members on a trip, without charging any part of the trip to it?
As I’ve stated in previous posts, I no longer have an AMEX Platinum card. Because of this, I’m no longer able to log into the AMEX website and check out the card’s benefits. If you can find something with this in writing, please forward it to us. Thanks!
Yes. And it is uncapped. Google “AMEX Premium Global Assist Hotline.”
Amex Platinum definitely has this benefit and, as you noted, all you have to do is be the card holder. You don’t need to charge any of the trip to it (although anyone with an Amex Platinum that doesn’t charge the airfare is making a huge mistake since 5x MR on that).
@Joeheg – why no Amex Platinum? I assume anyone that travels a lot and especially people that write blogs have both the CSR and Amex Platinum (as I do along with the Amex Gold and cards for 4 airlines plus 4 hotel chains)
The issue is that it only evacuates to the ” nearest Hospital where You can obtain appropriate medical treatment”. This may well not be a hospital (or a country) where you want to be. Some coverages (such as MedJet) will evacuate you to your home hospital.
Also useful to know is who decides when to evacuate? That is a major criteria to whether the coverage is good or bad.
Under the heading For Emergency evacuation and transportation benefit, first condition is the trip must be arranged by a travel agency. How many of us go through a travel agency?
This is at the bottom of page 14 of the online guide
So does that means it only works if you buy your trip through the chase travel portal?
I think this is the section that is confusing people.
Here’s the definition of a common carrier: Under U.S. law, a common carrier is a private or public entity that transports goods or people from one place to another for a fee.
So, an airline is a common carrier. So is a train, cruise line, or bus.
This means you’re covered if you purchase an airline ticket from anywhere with your card, but not if you charter a private jet.