The Chase Sapphire Reserve\u00ae<\/a> and The Platinum Card\u00ae from American Express<\/a><\/span> are two of the most popular travel rewards cards<\/a>. After all, both cards offer valuable transferable rewards<\/a>, lounge access<\/a> and the ability to receive elite-like perks when booking hotels through Amex’s Amex Fine Hotels + Resorts program<\/a> and The Edit by Chase Travel\u2120<\/a>.<\/p>\n Like many of the top rewards cards<\/a>, the Chase Sapphire Reserve<\/a> and Amex Platinum Card<\/a> also provide travel insurance<\/a> when you use your card to book travel. In particular, these two premium travel rewards cards<\/a> offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let’s compare the travel insurance<\/a> provided by these two cards.<\/p>\n Chase Sapphire Reserve Amex Platinum Trip delay insurance<\/a><\/strong>Up to $500 per ticket when you’re delayed by six-plus hours or overnight Up to $500 per covered trip when you’re delayed by six-plus hours, with a maximum of two claims per eligible card within a 12-month period* Baggage delay insurance<\/a><\/strong>Up to $100 per day for up to five days when your baggage is delayed by six-plus hours None Trip cancellation\/interruption insurance<\/a><\/strong>Up to $10,000 per person, up to $20,000 per trip Up to $10,000 per trip and up to $20,000 per card per 12-month period* Auto rental collision damage waiver<\/a><\/strong>Primary insurance up to $75,000 for theft and collision damage Secondary insurance up to $75,000 for theft, damage, loss of use and other fees^ Emergency medical and dental benefit<\/a><\/strong>Up to $2,500 for emergency medical expenses, subject to a $50 deductible<\/p>\n Up to $75 per day for up to five days for a hotel room after a hospital stay<\/p>\n None Emergency evacuation insurance<\/a><\/strong>Up to $100,000 when you pay for at least part of your common carrier travel with the card. Evacuation must be preapproved by the benefit administrator in order to be covered. Can be provided at no cost to you if coordinated through and approved by the Premium Global Assist Hotline Lost luggage reimbursement<\/a><\/strong>Up to $3,000 per person, with a $500 cap on jewelry and watches and a $500 cap on cameras and other electronic equipment. Up to $3,000 per person (up to $2,000 for checked luggage) when traveling on a common carrier, with a $1,000-per-person cap on high-value items. For New York state residents, there is a maximum of $2,000 per bag for each person with a $10,000 aggregate maximum for all covered bags and covered persons on the trip. The entire fare for your trip (one-way or round-trip) must be paid for with your eligible card for this benefit to take effect.\u2020Roadside assistance<\/a><\/strong>Up to $50 per service event, up to four times per year None Travel accident insurance<\/a><\/strong>Up to $1 million loss of life common carrier insurance per person<\/p>\n Up to $100,000 loss of life travel accident insurance per person<\/p>\n None<\/p>\n * Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.<\/em> As you can see in the table above, the Amex Platinum<\/a><\/span> doesn’t provide baggage delay insurance<\/a>, emergency medical and dental benefits<\/a>, roadside assistance or travel accident insurance<\/a>. For brevity, I won’t discuss the types of insurance the Amex Platinum doesn’t provide any further in this guide.<\/p>\n Daily Newsletter<\/p>\n Reward your inbox with the TPG Daily newsletter<\/p>\n Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n Instead, I’ll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:<\/p>\n And to learn more about both cards, check out our Chase Sapphire Reserve credit card review<\/a> and Amex Platinum card review<\/a>.<\/p>\n Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?<\/a><\/strong><\/p>\n Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here’s a comparison of the Chase Sapphire Reserve<\/a>‘s and Amex Platinum Card<\/a><\/span>‘s trip delay insurance.<\/p>\nOverview of the travel insurance provided by these cards<\/h2>\n
^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.<\/em>
# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.<\/em>
\u2020 Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.<\/em><\/p>\nTrip delay insurance<\/h2>\n
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