Actually reading the Chase Sapphire Preferred terms and conditions can be informative.
Under " travel and emergency assistance services" the T&C in bold print says: "travel and emergency assistance Services provide assistance and referral. You are responsible for the cost of the actual medical, legal, transportation, cash advance, or other services or goods provided."
Under " trip cancellation/ Interruption insurance" in the very first paragraph it makes clear your coverage is only for the amount you have charged to your Chase credit card. " the trip cancellation and trip Interruption benefit provides reimbursement for eligible travel expenses charged to the cardholder's account up to $10,000 per covered person..."
The operative words are charged to the card holders account. Chase would be out of business if you can pay $100 and get $10,000 worth of coverage. It's not even rational.