Extremely niche CSR question but here goes:

My wife and I both have separate Chase Sapphire Reserve cards. If each of us pay for a portion of our Antarctic cruise with our individual cards, are we each individually covered through our own cards for $100K each in emergency evacuation coverage?

Per guide to benefits page 10: “You are eligible if Your name is embossed on an eligible card issued in the United States and You charge any portion of Your covered trip to Your credit card Account”

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Yes. You can ask the cruise operator to split the bill in half and charge separately.

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Sweet. Already doing this as we’re churning a lot of the Chase portfolio, but glad to know we can skip separate insurance.

Appreciate the insight!

I would look into the T&Cs. Usually trip coverage only applies if you buy the full trip on the card

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