I recently had a positive and interesting experience using trip delay protection through Visa card services associated with my CSP.

Background:
- Booked a RT through the Chase UR Portal
- Return leg cancelled due to icy ground conditions after about 5 hours of rolling delays.
- Airline unable to provide return travel until 2-3 days later, so decided to use Amtrak for a long ride back. Airline refunded the return leg of my trip (note: if you book through the UR Travel portal and get a refund, you have to follow up with Chase to have the refund applied back to your original CC - the travel portal purchases tickets from the airline with a corporate card and when that card gets refunded, they have no idea where to apply the credit unless you call to have them do it manually).
- Transferred UR points to Amtrak while I was on the phone with an Amtrak customer service agent and booked a one-way ticket for the next morning.
- Crashed on a friends couch for the night.
- About 10 hours into alternative return journey, Amtrak runs into "indefinite" delays due to downed electrical power lines at about 2 hours away from my final destination. Rented a car from the train station to complete the journey.

I wasn't planning on using this protection when I started my return journey (really I just wanted to get back in one piece and still have a job waiting for me) so I did not save any receipts. Only after I returned home I figured it was worth a shot...

Filing the claim:
- Deducted the airline reimbursement for the cancelled leg from my claim.
- Airline would not provide written proof of cancellation after I returned, used a print out from flightaware.com.
- Had no idea how Visa would treat UR points (no guidance provided) so claimed the cost of the Amtrak ticket had I not redeemed miles figuring they would apply their own valuation to the points anyway.
- Had no receipt from restaurants or Amtrak cafe car and other food vendors/restaurants starting from the first airline delay, only CSP statement. Had to get Chase to retrieve receipts from the vendors after Visa asked for itemized receipts as part of the normal back-and-forth with these things.
- Paid cash for a couple taxis so could not claim those as I did not save the receipts.

Was reimbursed for all expenses claimed. The most surprising part was the Amtrak award ticket value and the rental car. My thinking is that my overall claim was relatively small (<$300) and I was pretty forthright with the expenses I was claiming (food/drink, Amtrak, and rental car) and those I would not claim (those paid with cash).