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!