Originally Posted by
arma5
(2) Then if I do 'change flight' and end up with a residual, it's not clear which original payment is getting converted to the residual, but it seems plausible that my flight is still tagged internally as 'paid for with Chase card'? And that's true for repeated changes, since the flight always costs *something*, so we can imagine the last dollar is still Chase's dollar?
These are good questions. The wording of the Guide doesn't really consider these circumstances so it's very hard to say other than anecdotally.
One thing I'm pretty sure of is there is no "tagged internally as 'paid with Chase card'". Chase doesn't have a hook-up with every airline, train company, and travel agency in the world. The way you show the insurance company that you paid with for the tickets with your Chase card is you show them your credit card statement, or the ticket receipt with the last 4 digits of your card, or both.
Similarly, they don't automatically know that you changed flights. You show the human claims processor that with a paper trail.
I'm not relying on a lot other than intuition here, but I'm guessing that if you bought a ticket for Tuesday, changed to Wednesday, and then were delayed by weather till Thursday, you could submit documents showing the purchase on the Chase card, the voluntary change to Wednesday, and then the delay. I think that would work, even if you paid $50 extra or got a $50 refund when doing the change. Just show them the "here is a confirmation of your voluntary change" email receipt or screenshot showing the old and new flights. Again this is speculating.
Where I think it would be more iffy is if you buy for Tuesday, cancel entirely, use your FFC or voucher to buy a "new" ticket for a different date and/or different destination (without putting any on the Chase card). From the airline's perspective these are probably identical (you may even have the same PNR, etc -- just a change of the reservation in two steps), but from the insurer's perspective this may be a "new" purchase in a way that a simple change is not.
It would be nice if the Guide to Benefits actually addressed what happens if you change a flight after purchase, and then the new flight is delayed. But it doesn't.