Capital One Aspire credit card - any real world experience?
Jun 11, 2013, 5:06 pm
#31
Join Date: Aug 2012
Location: Toronto, Canada
Posts: 201
In fairness, the reply from Capital One was that they would pay a claim where the late inbound aircraft resulted from an upstream weather scenario, as long as they get written confirmation from the airline that this was indeed the case. Good luck with getting that statement from Air Canada. All I got was a computer printout stating "Reason for delay: late inbound aircraft", and a blank stare when I asked them to clarify that the original problem was weather. "Sir, I can only give you what the system tells me was the reason for the delay".
Since the Amex policy covers any delay regardless of reason, I do not see the point of bothering any further. The only exception would be a hijacking, which Capital One covers and Amex does not.
Since the Amex policy covers any delay regardless of reason, I do not see the point of bothering any further. The only exception would be a hijacking, which Capital One covers and Amex does not.
I guess Next time if I booked with CapOne I'll be sure to ask for specific reason written down on the paper, even if it's hand written by the agent.
Jun 12, 2013, 2:12 pm
#32
Company Representative - Capital One
Join Date: Dec 2011
Posts: 14
Hi Everyone – It’s Andrew from Capital One. I’m not sure if you saw this in the media, but I thought I would take this opportunity to share some great news with you. Yesterday, RewardsCanada.ca announced its fifth annual Canada’s Top Travel Rewards Cards feature and named the Capital One Aspire Travel World MasterCard Canada’s best travel points card with an annual fee, for the fourth year in a row.
We’re thrilled to receive this honour and we want to thank you for being part of this journey with us.
-Andrew
The feature with complete rankings and background can be found online at www.rewardscanada.ca/topcc2013
We’re thrilled to receive this honour and we want to thank you for being part of this journey with us.
-Andrew
The feature with complete rankings and background can be found online at www.rewardscanada.ca/topcc2013
Jul 13, 2013, 5:59 pm
#33
Join Date: Dec 2011
Location: West
Posts: 3,357
Hi Everyone – It’s Andrew from Capital One. I’m not sure if you saw this in the media, but I thought I would take this opportunity to share some great news with you. Yesterday, RewardsCanada.ca announced its fifth annual Canada’s Top Travel Rewards Cards feature and named the Capital One Aspire Travel World MasterCard Canada’s best travel points card with an annual fee, for the fourth year in a row.
We’re thrilled to receive this honour and we want to thank you for being part of this journey with us.
-Andrew
The feature with complete rankings and background can be found online at www.rewardscanada.ca/topcc2013
We’re thrilled to receive this honour and we want to thank you for being part of this journey with us.
-Andrew
The feature with complete rankings and background can be found online at www.rewardscanada.ca/topcc2013
Jul 13, 2013, 6:01 pm
#34
Join Date: Dec 2011
Location: West
Posts: 3,357
Any comparisons to CIBC Aeroplan Visa Infinite coverage? I have both never claimed for travel issues and like to know which one to use on my next trip which is being paid for soon. Thanks.
Last edited by 1Newflyer; Jul 13, 2013 at 6:07 pm
Jul 13, 2013, 9:04 pm
#35
Join Date: Jan 2012
Location: yow,yvr,yxx
Programs: aeroplan airmiles priorityclub choiceprivilege asiamiles spg bw
Posts: 317
The administrator insisted on seeing the stated cause in the claim matching those listed in the policy, but instead saw a generic term. He could have proceeded to obtain the detail from the airline but chose to simply reject the claim.
Jul 14, 2013, 12:04 am
#36
Join Date: Dec 2011
Location: West
Posts: 3,357
It appears that the real issue here is not the policy itself, but how the policy has been administered.
The administrator insisted on seeing the stated cause in the claim matching those listed in the policy, but instead saw a generic term. He could have proceeded to obtain the detail from the airline but chose to simply reject the claim.
The administrator insisted on seeing the stated cause in the claim matching those listed in the policy, but instead saw a generic term. He could have proceeded to obtain the detail from the airline but chose to simply reject the claim.
Jul 14, 2013, 7:31 am
#37
Join Date: Nov 2010
Programs: Enough
Posts: 961
I'm pretty annoyed at the moment with the Capital One insurance benefits. I had an Aeroplan award ticket, and was on a flight that was weather delayed, making me miss my connection, thus having to spend the night in YYZ. I had a claim for $150 or so. WTP denied the claim saying that "it was paid for with points thus is not eligible". I suppose WTP doesn't understand the nuances of award travel, wherein Aeroplan points are not used to pay for the trip, they're used to calculate a fare of 0, therefore any and all charges due are just the taxes, thus making it eligible for coverage. The CSR who I spoke with at WTP did not understand that at all. I said I wanted to appeal the decision, and she said it'd take 6-8 weeks, and I would NOT be allowed to submit any documents in support of my appeal. What a ridiculous appeal process!
Jul 14, 2013, 9:31 am
#38
Join Date: Dec 2011
Location: West
Posts: 3,357
I'm pretty annoyed at the moment with the Capital One insurance benefits. I had an Aeroplan award ticket, and was on a flight that was weather delayed, making me miss my connection, thus having to spend the night in YYZ. I had a claim for $150 or so. WTP denied the claim saying that "it was paid for with points thus is not eligible". I suppose WTP doesn't understand the nuances of award travel, wherein Aeroplan points are not used to pay for the trip, they're used to calculate a fare of 0, therefore any and all charges due are just the taxes, thus making it eligible for coverage. The CSR who I spoke with at WTP did not understand that at all. I said I wanted to appeal the decision, and she said it'd take 6-8 weeks, and I would NOT be allowed to submit any documents in support of my appeal. What a ridiculous appeal process!
Jul 14, 2013, 10:18 am
#39
Join Date: Jan 2012
Location: yow,yvr,yxx
Programs: aeroplan airmiles priorityclub choiceprivilege asiamiles spg bw
Posts: 317
Not the way I see it, airline will not provide detail to travelers on flights in progress never mind the canceled ones.....have you tried to get peace of paper. You have hundreds of folks at the counter trying to get agents to rebook and you are asking for explanations for "the late inbound arrival"? You think it is rational to expect that? Insurance that does not accept the above for your delay is useless.
Jul 14, 2013, 10:21 am
#40
Join Date: Jan 2012
Location: yow,yvr,yxx
Programs: aeroplan airmiles priorityclub choiceprivilege asiamiles spg bw
Posts: 317
I'm pretty annoyed at the moment with the Capital One insurance benefits. I had an Aeroplan award ticket, and was on a flight that was weather delayed, making me miss my connection, thus having to spend the night in YYZ. I had a claim for $150 or so. WTP denied the claim saying that "it was paid for with points thus is not eligible". I suppose WTP doesn't understand the nuances of award travel, wherein Aeroplan points are not used to pay for the trip, they're used to calculate a fare of 0, therefore any and all charges due are just the taxes, thus making it eligible for coverage. The CSR who I spoke with at WTP did not understand that at all. I said I wanted to appeal the decision, and she said it'd take 6-8 weeks, and I would NOT be allowed to submit any documents in support of my appeal. What a ridiculous appeal process!
Jul 14, 2013, 10:26 am
#41
Join Date: Aug 2004
Location: YYZ
Programs: AA LT Plat, AC 25K, Marriott Plat, Hilton Diamond
Posts: 1,137
Good to know that. Points have no monetary value and therefore can not be used as payment. On the other hand the credit card charges, we have to pay back with "money". I also have hard time accepting the breakdown of cost as fare, taxes, fees etc. I care less how it is described, it costs us a certain amount of money to get Aeroplan to issue a ticket ... period. The cost of every item we purchase can be broken down to thousands of elemental charges with "0" significance to customers. I feel your frustration.
https://www.facebook.com/CapitalOneC...75556345816487
Jul 14, 2013, 10:36 am
#42
Join Date: Nov 2010
Programs: Enough
Posts: 961
Trying to get this same clarification from CapOne as we speak:
https://www.facebook.com/CapitalOneC...75556345816487
https://www.facebook.com/CapitalOneC...75556345816487
Jul 14, 2013, 4:58 pm
#43
Original Poster
Join Date: Jun 2009
Programs: Air Canada Aeroplan
Posts: 1,748
I suggest you write to Capital One with your experience, requesting that they reconsider their choice of claims administrator, and CC WTP. As more of us do this, maybe they will get the message.
Jul 14, 2013, 7:10 pm
#44
Join Date: Jan 2012
Location: yow,yvr,yxx
Programs: aeroplan airmiles priorityclub choiceprivilege asiamiles spg bw
Posts: 317
Not the way I see it, airline will not provide detail to travelers on flights in progress never mind the canceled ones.....have you tried to get peace of paper. You have hundreds of folks at the counter trying to get agents to rebook and you are asking for explanations for "the late inbound arrival"? You think it is rational to expect that? Insurance that does not accept the above for your delay is useless.
"Coverage A - Missed Connection
If due to the delay of the
insured person’s
incoming flight, the
insured person
misses a confirmed onward connecting
flight and no alternative onward
transportation is made available within four (4) hours of
deplaning,
we will pay the insured person’s
necessary and
reasonable living expenses
incurred
within forty-eight (48) hours of
deplaning
and other
sundry items.
"
the cause "inbound flight delay" seems to be in the text of the policy.
I checked CIBC & Cap1, they are worded differently than the above.
Jul 14, 2013, 8:49 pm
#45
Join Date: Dec 2011
Location: West
Posts: 3,357
Amex's policy for the flight delay:
"Coverage A - Missed Connection
If due to the delay of the
insured person’s
incoming flight, the
insured person
misses a confirmed onward connecting
flight and no alternative onward
transportation is made available within four (4) hours of
deplaning,
we will pay the insured person’s
necessary and
reasonable living expenses
incurred
within forty-eight (48) hours of
deplaning
and other
sundry items.
"
the cause "inbound flight delay" seems to be in the text of the policy.
I checked CIBC & Cap1, they are worded differently than the above.
"Coverage A - Missed Connection
If due to the delay of the
insured person’s
incoming flight, the
insured person
misses a confirmed onward connecting
flight and no alternative onward
transportation is made available within four (4) hours of
deplaning,
we will pay the insured person’s
necessary and
reasonable living expenses
incurred
within forty-eight (48) hours of
deplaning
and other
sundry items.
"
the cause "inbound flight delay" seems to be in the text of the policy.
I checked CIBC & Cap1, they are worded differently than the above.
More specifically it says:
(v)
a delay causing an Insured
Person to miss a connection
for a Common Carrier or
resulting in the interruption
of an Insured Person’s travel
arrangements including
the following:
• A delay of an Insured
Person’s Common Carrier,
resulting from the
mechanical failure
of that carrier;
•
A traffic accident or an
emergency police-directed
road closure (either must
be substantiated
by a police report); or
• Weather conditions
Its clear the "late inbound flight" meets the italic words above. And since it is not listed in the Limitation and Exclusions then all is good.
Last edited by 1Newflyer; Jul 14, 2013 at 9:13 pm