I think
SpaethCo is probably right, but I think these claims are worth making anyway, for two possible alternate explanations:
Originally Posted by
SpaethCo
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.
I think you could possibly make a claim for any excess, if there is any. So, for example, if the total cost of driving back was $2000 and you received $1500 in refunds, you could claim the other $500 from Chase. Also, it is possible that if the airline refunded you with restricted flight credit instead of cash, and you could not use that credit before it expires, you could claim against the expired credit after it expires.
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.
In this case, I would start by making a claim with the airline directly, since they are admitting this is their fault. I would also reference any published guidelines from the carrier or any government-mandated reimbursement in this scenario, if any. Then, if the claim is rejected, I would go ahead and put the claim in with Chase anyway, since all of your other options have been exhausted.