{"id":164043,"date":"2025-04-23T18:00:54","date_gmt":"2025-04-23T18:00:54","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/04\/23\/authorized-users-and-chase-travel-insurance-what-to-know-the-points-guy\/"},"modified":"2025-04-23T18:00:54","modified_gmt":"2025-04-23T18:00:54","slug":"authorized-users-and-chase-travel-insurance-what-to-know-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/04\/23\/authorized-users-and-chase-travel-insurance-what-to-know-the-points-guy\/","title":{"rendered":"Authorized users and Chase travel insurance: What to know &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>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.<\/p>\n<p>But if you&#8217;re an authorized user on a credit card, are you covered by an issuer&#8217;s <a href=\"https:\/\/thepointsguy.com\/credit-cards\/when-to-buy-travel-insurance-versus-when-to-rely-on-credit-card-protections\/\" target=\"_blank\" rel=\"noopener\">travel insurance policies<\/a>?<\/p>\n<p><a id=\"benefits-for-authorized-users\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Benefits for authorized users<\/h2>\n<p>There are plenty of good reasons to add someone as an <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-authorized-user-credit-cards\/\" rel=\"noopener noreferrer\" target=\"_blank\">authorized user<\/a> to your card. You can share benefits with them, such as travel credits or monthly statement credits like the up to $7 monthly Dunkin&#8217; statement credit (on U.S. Dunkin&#8217; purchases up to $84 per calendar year; enrollment required) on the <a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?pid=6343&amp;tid=post\" target=\"_blank\" rel=\"noopener\">American Express\u00ae Gold Card<\/a>.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Couple-with-laptop-on-sofa-doing-budgeting-paperwork_Delmaine-Donson.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">DELMAINE DONSON\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Authorized users also earn points on their spending. Being an authorized user can even <a href=\"https:\/\/thepointsguy.com\/credit-cards\/authorized-users-credit\/\" rel=\"noopener\" target=\"_blank\">help someone build credit<\/a>, though remember that you&#8217;ll ultimately be responsible for any purchases they make on the card.<\/p>\n<p>Many cards allow you to add authorized users for free, but premium cards often charge a fee. For example, the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Reserve\u00ae<\/a> (see <a href=\"https:\/\/thepointsguy.com\/apply\/chase-sapphire-reserve-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) charges $75 per year to add an authorized user.<\/p>\n<p><a id=\"authorized-users-and-travel-insurance\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Authorized users and travel insurance<\/h2>\n<p>You need to understand the terms of your insurance coverage so you don&#8217;t make any hasty and expensive mistakes based on incomplete information. Common travel insurance benefits on Chase cards include:<\/p>\n<p>The exact coverage requirements differ slightly for each policy, but taking <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-preferred-trip-cancellation-insurance\/\" target=\"_blank\" rel=\"noopener\">trip cancellation and interruption insurance<\/a> as an example, Chase lists those covered as &#8216;Covered Travelers&#8217; to a domestic partner and family members, according to the terms and conditions.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:39.886845827439885%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.16.44%E2%80%AFPM.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">CHASE<\/figcaption><\/figure>\n<p>Furthermore, to be covered by the card&#8217;s insurance, you must charge all or a portion of the trip cost to your card or have used <a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/chase-ultimate-rewards\/\" rel=\"noopener\" target=\"_blank\">Chase Ultimate Rewards<\/a> points. Covered Travelers do not need to be traveling with the cardholder for benefits to apply.<\/p>\n<div class=\"EmailSignUp_container__qYzYT tw-border tw-border-gray-2\"><picture class=\"EmailSignUp_graphic__zgpFm tw-opacity-0\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-1071010234 newsletter-form\">\n<div class=\"jsx-1071010234 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN   \">\n<p class=\"tw-text-xs-regular !tw-text-gray-4 hover:!tw-text-gray-4 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a class=\"!tw-text-gray-4 hover:!tw-text-gray-4\" href=\"https:\/\/thepointsguy.com\/terms-of-use\/\" target=\"_blank\" rel=\"noopener\">Terms of Use<\/a> <!-- -->and acknowledge the data practices in our<!-- --> <a class=\"!tw-text-gray-4 hover:!tw-text-gray-4\" href=\"https:\/\/thepointsguy.com\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<p>There&#8217;s no differentiation between primary cardholders and authorized users, so I called Chase and spoke to a benefits administrator to confirm. The good news is that not only are authorized users covered, but in this case, their immediate family members would be as well.<\/p>\n<p>&#8220;Cardholder&#8221; doesn&#8217;t just mean the primary account holder \u2014 it means any user whose name is embossed on the Chase Sapphire Reserve credit card.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:24.717514124293785%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-5.17.46%E2%80%AFPM.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">CHASE<\/figcaption><\/figure>\n<p>For trip delay reimbursement, as another example, the coverage of family is similarly defined as above:<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:62.607449856733524%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/02\/Screenshot-2025-02-06-at-8.17.25%E2%80%AFPM.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">CHASE<\/figcaption><\/figure>\n<p>To be eligible for this trip delay reimbursement coverage, all or a portion of your trip must&#8217;ve been booked using your <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Reserve<\/a> card, including travel booked using Chase Ultimate Rewards points.<\/p>\n<p><b>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/partner-own-card-vs-authorized-user\/\" target=\"_blank\" rel=\"noopener\">Should my partner get their own card or be added as an authorized user?<\/a><\/b><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Some people balk at paying the $75-a-year fee to add authorized users to the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Reserve<\/a>, but when you consider that they earn full travel insurance coverage as if they were the primary cardholders, this becomes a much better value proposition.<\/p>\n<p>This benefit has saved me hundreds of dollars over the years. Chase is known to offer some of the most comprehensive and generous coverage in the industry, especially on cards like the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Preferred\u00ae Card<\/a> (see <a href=\"https:\/\/thepointsguy.com\/apply\/chase-sapphire-preferred-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) and Sapphire Reserve.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-preferred-trip-cancellation-insurance\/\" target=\"_blank\" rel=\"noopener\">How my Chase Sapphire Preferred saved me nearly $250 on a canceled trip<\/a><\/strong><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/news\/authorized-users-credit-card-travel-insurance\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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. But if you&#8217;re an authorized user [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":164044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-164043","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/164043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=164043"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/164043\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/164044"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=164043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=164043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=164043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}