Originally Posted by
EileenCat
We had a flight from PHX to PAE (Washington State) cancelled on 12/26 due to weather, the email I received form them said there were no other flights available. ... I will try to get my money back from Alaska for the 3 cancelled one way first class tickets, but wondering if any other part of my costs might be covered by Chase?
Trip Delay only covers up to $500 per ticket total, including other reimbursements. So if a trip is cancelled and you receive a refund of $500 each ticket, my understanding is that washes out the Chase delay coverage. The benefits guide alludes to this (quoted below):
This benefit applies to reasonable expenses incurred during Your delay not otherwise covered by Your Common Carrier, another party, or Your primary personal insurance policy. You will be refunded the excess amount (up to the maximum) once all other reimbursement has been exhausted up to the limit of liability.
Chase Trip Interruption coverage would apply here because your trip has been canceled due to weather, however, that coverage only allows for reimbursement of non-refundable pre-paid travel expenses. New travel expenses like a rental car (additional/alternate transportation) or additional hotel nights or meal expenses are not covered. Basically it would only cover the cost of the Alaska tickets if for some reason the airline did not refund you.
Originally Posted by
snerpy
Am I just screwed when it comes to any Trip Delay reimbursements as it wasn't one of the 4 covered things?
Unfortunately the answer to this is almost certainly yes. Basically it will only be covered if someone makes a mistake when processing the claim.
In the past the coverage may have been more liberal, but all data points seem to indicate that they are that they are sticking to the letter of the contract on recent claims. While issuers like Citi decided to control costs by removing coverage entirely in 2019, other issuers like Chase and Amex are controlling costs by having carefully written "named peril" policies with a very narrow definition of what types of travel hazards they will cover and highly limiting what remedies they will provide.