Protections — Sapphire Reserve vs Venture X

rental cdw — Up to $75,000 (primary) ✓Verified by source

trip cancellation — Up to $10,000/person, $20,000/trip ✓Verified by source

trip delay — Up to $500/traveler ✓Verified by source

baggage — Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler ✓Verified by source

emergency evacuation — Up to $100,000 ≈Inferred by source

roadside assistance — $50/incident, up to 4x/year (US & Canada) ≈Inferred by source

travel accident — Up to $1,000,000 accidental death and dismemberment while traveling ✓Verified by source

purchase protection — Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) ✓Verified by source

extended warranty — Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account ✓Verified by source

return protection — Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period ✓Verified by source

rental cdw — Up to $75,000 (primary) ≈Inferred by source

trip cancellation — Up to $2,000/person (nonrefundable common-carrier tickets) ≈Inferred by source

trip delay — Up to $500/passenger (>6 hours or overnight) ≈Inferred by source

baggage — Up to $3,000/passenger lost/damaged ≈Inferred by source

travel accident — Up to $1,000,000 ≈Inferred by source

purchase protection — Up to $10,000/claim, $50,000/year; damage or theft of eligible new purchases within 90 days of purchase ✓Verified by source

extended warranty — Extends eligible manufacturer warranties of 3 years or less by 1 additional year; max $10,000/claim, $50,000/account/year ✓Verified by source

cell phone — Up to $800/claim (max 2 claims, $1,600/12-month period) for damage, theft, or loss; $50 deductible; monthly bill must be paid with card ✓Verified by source

return protection — Up to $300/item, $1,000/year when retailers refuse returns within 90 days ✓Verified by source