Oh dear, I wish I had read this thread before. I think I will be in deep doggy-doo, with respect to my delay claim. I was delayed over 6 hours and decided to stay over night and catch a morning flight instead. The hotel was almost $240. I have sent all my documentation and am waiting for a response from WTP. Here is the reason for the delay in the letter from the airline:

"This flight was delayed due to late arrival of inbound aircraft as a result of earlier air traffic flow management concerns caused by adverse weather conditions."

According to all this, it looks like I will get denied. Plus, I charged the "full cost of the flight" to the card, but broke the "full cost" up into smaller transactions on the card so that I could use points to cover for it later. The insurer will probably try to use that to say "it wasn't the full cost".

I can't believe these horror stories, and how C1's card can win all these nods from reviewers. Maybe they have not used travel protection? These experiences should be compiled and the story should go right to the Toronto Star's Consumer Critic.