Originally Posted by
Rare
I interpret that to mean (and I see that others have since responded similarly) that Trip Delay will not pay expenses that another party will pay or has paid, but if another party will not, then Trip Delay will pay the remaining expenses up to $500 per ticket.
of course they are not going to pay out on something another party has already paid out.
if an airline has refunded a ticket, and you are claiming it as reimbursable, you are doing so fraudulently. Insurance is meant to make you Whole if certain unexpected items happen, not to be additional income. Chase may not know about a refund the airline has given you if you don’t disclose it, but claiming the expense if you have already been refunded is clearly fraud.
A claim for unusable prepaid lodging would be a Trip Interruption or Cancellation claim, not Trip Delay.
An easy way to think about this: trip delay covers
new expenses only. Trip cancelation/interruption covers
existing/prepaid expenses.