TPG reader credit card question: Are authorized users covered by credit card travel insurance?

Jan 25, 2021

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Editor’s note: This is a recurring post, regularly updated with new information.

I generally divide my credit card perks into two categories: those such as annual statement credits or lounge access that I actively try and use to enhance my travel experience and those like travel insurance and purchase protection that I hope to never need, but appreciate being able to count on when I do. TPG reader Adam wants to know who exactly is covered by his card’s travel insurance policy …

If I add an authorized user on my Chase Sapphire Reserve, will they be covered by the same travel insurance policy that I am?


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There are plenty of good reasons to add someone as an authorized user to your card, including sharing benefits with them, earning points on their spending, and even helping your family members build credit, though remember that you’ll ultimately be responsible for any purchases they make on the card. Many cards will let you add authorized users for free, but premium cards often charge a fee. In the case of the Chase Sapphire Reserve, it’s $75 per year to add an authorized user.

(Photo by Wyatt Smith/The Points Guy)

I also really like this question is because it’s important to understand the terms of your insurance coverage before you need to use it, so you don’t make any hasty and expensive mistakes based on incomplete information. As a reminder, the Chase Sapphire Reserve offers the following travel insurance benefits:

Related: The best credit cards with travel insurance

The exact coverage requirements differ slightly for each policy, but taking the trip cancellation and interruption insurance as an example, here are the covered parties according to Chase’s website:

Now there’s no differentiation here between primary cardholders and authorized users, so I called Chase and spoke to a benefits administrator to confirm. Good news Adam, not only are authorized users covered but in this case, their immediate family members would be as well. “Cardholder” doesn’t just mean the primary account holder, it means any user who’s name is embossed on the Chase Sapphire Reserve credit card.

Here are the covered parties for the trip delay reimbursement:

If you add an authorized user outside of your own family, they would receive coverage for their spouse or domestic partner and dependent children under the age of 22, giving them access to some of the most valuable benefits on the Sapphire Reserve at a fraction of the cost.

Related: Credit cards with the greatest value for authorized users

Bottom line

Some people balk at paying the $75 a year fee to add authorized users on the Sapphire Reserve, but when you think about the fact that they earn full travel insurance coverage as if they were the primary cardholders, this becomes a much better value proposition. This benefit has saved me hundreds of dollars over the years, and Chase is known to offer some of the most comprehensive and generous coverage in the industry on its Chase Sapphire Preferred Card and Reserve cards.

Thanks for the question, Adam, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at

Featured photo by encrier/Getty Images.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.