Hi Forum Members:

It's Andrew from Capital One. I'd like to clarify an earlier post concerning the Flight Delay coverage on certain Capital One MasterCards. While it is true that "inbound flights" are not specifically called-out in the Certificate of Insurance, I can assure you that they are covered.

In the case that was described earlier, the claim was initially denied because the reason given was simply "late inbound flight". The claims administrator did not investigate this further and declined the claim. When it was brought to our attention, we contacted the insurance company. They agreed that the claims’ examiner should have pursued the reason further with the airline, which they ended up doing. Flight Delay coverage is applicable when a flight is delayed due to a strike of airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown, or denied boarding due to overbooking. Provided the "inbound flight" is delayed due to one of these reasons, there should not be an issue. In addition, the insurance company will endeavour to investigate these "inbound flight" causes further to avoid future disappointment.