Travel protection only if trip booked with credit card?

[newdanfan]

Does one only have travel protection benefits from a credit card if the trip is booked with the card itself - or would you have the travel benefits just by being a cardholder?  What if only part of the trip was booked using a card?  For example, if a flight was purchased through Chase points, but a hotel was purchased with the Sapphire Preferred, would someone have trip protections for the flight portion (like delayed flight, lost baggage, etc) - if that portion wasn't purchased with the Sapphire Preferred card?

[LoLo]

Does one only have travel protection benefits from a credit card if the trip is booked with the card itself

Yes.

[newdanfan]

Just found this on the fine print of Chase Sapphire benefits:

What is Trip Cancellation insurance?
Trip Cancellation insurance reimburses you or your Immediate Family
Members for up to ten thousand ($10,000.00) dollars for each
Covered Trip if a Covered Loss prevents you or your Immediate Family
Members from traveling on or before the departure date and results in
cancellation of the travel arrangements.
If any or all of the Covered Trip was paid for using redeemable
Rewards, the Company will reimburse the Insured Person for Rewards
used. The Company’s reimbursement shall equal the monetary value
of the redemption through the Common Carrier, Tour Operator, Travel
Agency, or Travel Supplier up to the Benefit Amount. If the monetary
value of the redemption does not appear on the Insured Person’s
itinerary or redemption confirmation issued by the Common Carrier,
Rewards program manager, Tour Operator, Travel Agency, or Travel
Supplier the Company will reimburse the Insured Person ($.01) per
point redeemed up to the Insured Person’s Benefit Amount.


It looks like if you purchased with points, they'd be refunded that way too.  Is that correct?