And this is why I typically use my CSR vs. my plat for airfare, even though the plat earns more points. The Chase terms seem more consumer friendly and don’t seem to have as much ambiguity, and seem to cover more situations (though not all - Amex provides coverage for lost or stolen travel docs, but Chase does not).

As an example, I live here in the Bay Area, pretty much equidistant to SFO and SJC. I’m not even clear that if I took a trip where I leave from SFO and fly back to SJC, that I’d have coverage under Amex at all - in fact, I assume I won’t.