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How my Chase Sapphire Preferred saved me nearly $250 on a canceled trip

Augusta StoneCredit cards writer
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
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Paige BalcomCompliance associate
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.

April 17, 2025 • 7 min read

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Quick summary

Trip cancellation and interruption insurance can reimburse you for nonrefundable, prepaid travel expenses if you must cancel due to covered reasons like illness.
Filing a claim typically requires documentation such as medical records, booking confirmations and proof of payment.
Even if you forget to officially cancel a reservation, claims may still be approved, though this is not guaranteed.
Travel insurance benefits are detailed in each card's Guide to Benefits, outlining what is covered and required for claims.

What to consider

You must provide thorough documentation, including cancellation confirmation and proof of payment, when filing a claim.
Approval is not guaranteed if you do not cancel your reservation with the travel provider.
Covered reasons for cancellation include illness, severe weather and other specified events; always check the specific terms in your benefits guide.

What you'll miss from the article

Step-by-step guidance on filing a successful travel insurance claim and common pitfalls to avoid.

Generated by AI with support from our editorial team.

When I was first approved for the Chase Sapphire Preferred® Card (see rates and fees), the lucrative welcome bonus and valuable transfer partners were what excited me most about the card.

The Sapphire Preferred features a host of useful benefits beyond accumulating Chase Ultimate Rewards points at a great earning rate. But, if you're like me, you're probably spending less time researching trip cancellation and interruption insurance and more time daydreaming about how you're going to redeem your sign-up bonus — 75,000 Ultimate Rewards points, earned after you spend $5,000 on purchases within the first three months from account opening.

But that doesn't mean you should overlook the Sapphire Preferred's travel insurance perks. I'm certainly glad I remembered trip cancellation insurance when I unexpectedly missed a New Year's Eve celebration.

I made a mistake that almost cost me $250, but I used travel insurance on my Sapphire Preferred to get reimbursed for a hotel I never visited. Here's what I did so you know exactly what to do if you're ever in a similar situation.

How I used Chase Sapphire Preferred trip cancellation insurance

In December, I booked a two-night stay at a Hyatt Place in Charlotte to visit some friends for New Year's Eve. The total cost was $245, which I prepaid online.

Three days before I was ready to hit the road, I caught a terrible bout of the flu. So instead of toasting Champagne and enjoying hors d'oeuvres, I took ibuprofen and napped away my illness.

That $245 Hyatt charge hit my Sapphire Preferred account the day I was supposed to check in. Instead of getting ready for New Year's celebrations, I was lying on the couch.

The Hyatt Place Fort Lauderdale Cruise Port Pool — HYATT

When I felt better about a week later, I remembered that I had booked the hotel stay with my Sapphire Preferred, which provides travel insurance. Since I could file a claim, I attempted to get my money back. Here's how that went down for me.

How I filed a claim

I went to chasecardbenefits.com and registered with my card information. Then, I was taken to my claim dashboard, where I selected "File a Claim."

On the next page, I chose my Sapphire Preferred. I was brought to a screen where I could select the specific purchase or travel benefit I was looking to utilize.

I clicked on "Trip Cancellation and Interruption Insurance" since this was the benefit that applied to my situation.

Next, I filled in the purchase date of my "ticket/itinerary" and the date of cancellation/interruption.

Afterward, I was given a prompt to choose the type of loss from a list of 16 options:

Accidental bodily injury
Burglarized residence
Damaged residence
Disease/illness
Hospitalization
Jury duty/subpoena
Loss of life
Military order
Named storm
Quarantine
Severe weather
Transportation strike
Travel warning
Terrorist incident
Uninhabitable residence/lodging
Other

I selected "disease/illness" since I had a medical note proving my diagnosis days before I was supposed to travel.

Documentation I submitted

The next part of the process required an extra lift.

I was asked to provide documentation to substantiate my claim. What you need to submit will vary depending on which type of loss you select.

Travellers Getting Boarding Passes At Check-In — HINTERHAUS PRODUCTIONS/GETTY IMAGES

Chase's benefits guide notes that, depending on the nature of your claim, you may need to provide more details.

Generally, however, here's what you'll need to round up:

Travel itinerary
Documents that confirm the reason for trip cancellation or interruption, such as medical records or a death certificate
Your card statement showing the last four digits of your account number and the payment you made with your eligible card
Cancellation or refund policies of the provider involved
Proof of covered travel expenses incurred due to a trip interruption
Any unused vouchers, tickets or coupons
Any other document requested to substantiate the claim

In my case of the flu versus a Hyatt reservation, I initially submitted:

An email confirmation of my Hyatt Place booking with dates
A doctor's note confirming my flu diagnosis with a date
Evidence of the Hyatt transaction from my Chase online portal

Just over a week later, I was sent a follow-up email asking for a few more details.

The email stated that I needed to submit "confirmation that the travel arrangements were canceled with the travel supplier," plus the "card account statement (showing the last four (4) digits of the account number) demonstrating the payment for the trip was made on your Covered Card and/or with redeemable Rewards [and] any unused vouchers, tickets, or coupons from the common carrier (such as planes, trains and cruise ships)."

Since the initial transaction was a couple of weeks ago at this point, I was able to submit my monthly card statement. I also uploaded a hotel bill I retrieved from Hyatt's website.

Where I thought I made a mistake

Another week passed, and I received a second email asking for more documentation. This time, the letter repeated a need for "confirmation that the travel arrangements were canceled with the travel supplier."

At this point, I realized I may have made a mistake.

woman at computer — FRESHSPLASH/GETTY IMAGES

I didn't have official confirmation of the cancellation. In my flu-related daze, I'd completely forgotten to officially cancel my reservation. So, instead of this being a "trip cancellation" issue, I was essentially a no-show.

Embarrassed, I left my claim behind. Then, I wrote about it for TPG's Daily Newsletter, hoping to help others avoid making my mistake by remembering to actually cancel reservations for trips they have to miss.

The result

This email exchange occurred in late January, so you can imagine my surprise when I woke up to an email in March that my claim had been approved.

Trip cancellation insurance screenshot — ASSURANT EMAIL

I'll note that there's never a guarantee your specific claim will be approved. So, if you don't actually cancel your reservations, you may not be refunded.

Once I was approved, receiving my refund was easy. I received a same-day email from Virginia Surety Company, which works with Assurant, Chase's insurance provider. I submitted my bank information through a secure channel, and the money was in my account by the next morning.

My claim was a success — and I didn't even expect it.

Bottom line

With trip cancellation insurance on the Chase Sapphire Preferred, you'll generally be reimbursed for nonrefundable, prepaid travel expenses charged by a supplier, including hotel stays like the one I booked.

Each Chase card comes with a Guide to Benefits explaining its insurance benefits. If you hold a card with trip cancellation and interruption coverage, remember to cancel your reservations ahead of time and file a claim in the unfortunate event you miss a trip.

If you're looking for a card with this coverage, I recommend the Sapphire Preferred. In addition to this surprisingly easy process, the card itself offers valuable Chase Ultimate Rewards points, excellent earning rates and great transfer partners. When you add in the comfort of travel protections, it doesn't get much sweeter for a $95 annual fee.

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

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