Originally Posted by SpaethCo

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.