Originally Posted by threeoh

You have to start your claim within 20 days but don't need to supply all of the documents and claim form until 90 days. So if you hit day 18 just initiate a claim (in writing or through the web portal, takes 3 minutes) and then let it hang out while you wait for AA.

The big U.S. carriers are usually pretty good at compensating as they are required to by the DOT. If you sent them your receipts and your expenses were reasonable (i.e. new swimsuits, clothes, cell phone chargers) they should send you a check. Max is ~$3,500 for domestic flights, $1,500 for int'l.

The Chase insurance is only $100 / day.