Originally Posted by
sharonsimon
When exactly did this change to trip cancellation coverage in the Guide to Benefits take effect?
I don't believe there has been any significant material change in the coverage. If you read the
previous guide to benefits, on page 42 the very first sentence of the Cancellation / Interruption coverage states this (bolding on the section below is mine):
The Trip Cancellation and Trip Interruption benefit provides reimbursement for Eligible Travel Expenses charged to the Cardholder’s Account up to ten thousand ($10,000.00) dollars per Covered Person and up to twenty thousand ($20,000.00) dollars per Trip, if a loss results in cancellation or interruption of the travel arrangements.
The following definitions are relevant:
Eligible Travel Expenses – Non–Refundable prepaid travel expenses charged by a Travel Supplier (Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers); Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator; Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package); For the Trip Interruption benefit only: Eligible Travel Expenses also include Change Fees and costs to return a rental vehicle to the closest rental agency or Your personal vehicle to Your closest leased or owned residence
Non–Refundable – money (or Rewards) prepaid by the Cardholder or the Cardholder’s Spouse or Domestic Partner through use of a covered Account for a Covered Trip: • which will be forfeited under the terms of the agreement made with the Travel Supplier for unused travel arrangements; and • for which the Travel Supplier will not provide any other form of compensation; or • for which the Rewards administrator will not provide reimbursement of Rewards
Rewards – points, miles, cash Rewards, or any other type of redeemable Rewards, as well as any redeposit fees charged by a Rewards administrator, provided that all Rewards have been accumulated by the Cardholder through use of JPMorgan Chase Bank, N.A. and/or its affiliates sponsored Rewards program
This has simply been re-written together in bullet point form in the
new guide to benefits on page 33 to describe the exact same coverage.
This benefit provides reimbursement for covered travel expenses if a Trip is cancelled or interrupted due to a covered reason. Coverage is limited to the lesser of the following:
• $10,000 per Covered Traveler
• $20,000 per Trip for all Covered Travelers and $40,000 per twelve (12) month period per Account
• the actual amount charged to the Covered Card and/or redeemable Rewards used for a covered travel expense
Claims are statistically unlikely events, and I believe many people have simply been blissfully booking their trips under the false belief that they were covered for things not specified in the policy because the previous guide required looking up several capitalized terms to understand the limitations of the coverage.