Do Authorized Users Benefit from Chase's Credit Card Travel Insurance?

I generally divide my credit card perks into two categories: annual statement credits and lounge access, which I actively try to use to enhance my travel experience, and travel insurance and purchase protection, which I hope to never need but appreciate being able to count on when I do.

However, if you're an authorized user on a credit card, does the issuer cover you? travel insurance policies ?

Benefits for authorized users

There are plenty of good reasons to add someone as an authorized user to your card. You can share benefits with them, such as travel credits or monthly statement credits like the up to $7 monthly Dunkin' statement credit (on U.S. Dunkin' purchases up to $84 per calendar year; enrollment required) on the American Express® Gold Card .

Authorized users also earn points on their spending. Being an authorized user can even help someone build credit , though remember that you'll ultimately be responsible for any purchases they make on the card.

Many cards allow you to add authorized users for free, but premium cards often charge a fee. For example, the Chase Sapphire Reserve® (see rates and fees ) charges $75 per year to add an authorized user.

Authorized users and travel insurance

You need to understand the terms of your insurance coverage so you don't make any hasty and expensive mistakes based on incomplete information. Common travel insurance benefits on Chase cards include:

• Trip cancellation/trip interruption insurance
• Trip delay reimbursement
• Baggage delay insurance
• Lost luggage reimbursement

The exact coverage requirements differ slightly for each policy, but taking trip cancellation and interruption insurance as an example, Chase lists those covered as 'Covered Travelers' to a domestic partner and family members, according to the terms and conditions.

Moreover, for the card’s insurance coverage to apply, you must use your card to pay for all or part of the trip expenses. Chase Ultimate Rewards Points. The covered travelers do not have to travel alongside the cardholder for the benefits to be applicable.

I reached out to Chase and talked with a benefits administrator since there’s no distinction made between primary cardholders and authorized users. The positive information is that not just the authorized users are included, but also their immediate family members will be covered too.

The term "cardholder" does not only refer to the main account owner; it also includes anyone whose name appears raised on the surface of a Chase Sapphire Reserve credit card.

As an additional illustration for trip delay reimbursements, the definition of family remains consistent with what was mentioned earlier.

In order to qualify for the trip delay reimbursement benefit, you must have booked at least part of your journey using your Chase Sapphire Reserve credit card, such as trips reserved with Chase Ultimate Rewards points.

Related: Should your partner have their own credit card or be designated as an authorized user instead?

Bottom line

Many individuals hesitate when faced with the $75 annual charge for adding authorized users to their account. Chase Sapphire Reserve However, when you take into account that they receive comprehensive travel insurance coverage just like the primary cardholders, this offers significantly greater value.

This advantage has saved me thousands of dollars throughout the years. Chase is renowned for providing some of the most extensive and generous benefits in the sector, particularly with cards such as the Chase Sapphire Preferred® Card (see rates and fees ) and Sapphire Reserve.

Related: How My Chase Sapphire Preferred Card Saved Me Almost $250 on a Cancelled Trip

Editorial disclaimer: The views expressed here belong solely to the author and do not represent the opinions of banks, credit card issuers, airlines, or hotels. These organizations have not reviewed, approved, or supported this content in any way.

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