Protections — Sapphire Reserve Business vs Citi Strata Premier

rental cdw — Auto rental collision damage waiver (primary for business use) ≈Inferred by source

trip cancellation — Trip cancellation / interruption insurance ≈Inferred by source

trip delay — Trip delay reimbursement ≈Inferred by source

baggage — Baggage delay + lost luggage reimbursement ≈Inferred by source

rental cdw — Secondary (MasterRental Coverage) up to actual cash value of rental vehicle; max 31 consecutive days; must decline rental company CDW ≈Inferred by source

trip cancellation — Up to $5,000/traveler per trip, max $10,000/account per 12-month period; covers non-refundable costs for injury, death, or sickness ≈Inferred by source

trip delay — Up to $500/traveler for delays exceeding 6 hours; covers meals, lodging, toiletries; max 2 claims per account per 12-month period ≈Inferred by source

baggage — Up to $3,000/trip for lost, stolen, or damaged luggage; max 2 claims per account per 12-month period; NY residents limited to $2,000/bag ≈Inferred by source

purchase protection — Up to $10,000/incident, $50,000/account/year against damage or theft for 90 days from purchase ≈Inferred by source

extended warranty — Adds 24 months to manufacturer's or store warranty (original warranty ≤5 years); max $10,000/item ≈Inferred by source