For reference the terms of this product, which Capital One asserts is not insurance, are published here:
Flight Disruption Assistance (formerly known as Rapid Rebooking)
If offered, the flight disruption assistance service (the “flight disruption assistance service” or “service”) provided through Capital One Travel is subject to the following Terms and Conditions. Availability of this service may vary, and not all services are available to all customers or on all bookings. Capital One Travel may revise these Terms and Conditions at any time by updating this posting.
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Description of the Service. The flight disruption assistance service includes one free rebooking on a qualifying flight (as defined below), per itinerary, in the event of a Flight Disruption (as defined below), subject to the following terms and conditions.
How it Works. The service will apply to the purchaser and all other travelers on the same booking (“you”), so long as it was purchased at least twenty-four (24) hours in advance of your scheduled departure. You may use the flight disruption assistance service once per your booked trip and only in the event that either: (a) you miss boarding a connecting flight for an eligible reason on the day of travel, or (b) within 24 hours of the original departure time of your flight, your flight is either delayed by more than the time specified under your purchased service (which will be disclosed to you prior to purchase) or is canceled by the airline (collectively, (a) and (b), a “Flight Disruption”). In the event of a Flight Disruption, you will have the option to rebook your disrupted flight on a qualifying flight through Capital One Travel, or, if you aren’t satisfied with your rebooking options, to receive a refund of your full base fare, as explained below. When we detect a Flight Disruption, you will be directed to rebook through Capital One Travel. You will have the option to rebook your disrupted flight at no cost on any qualifying flight available through Capital One Travel. A “qualifying flight” means a flight that is available through Capital One Travel: (a) for same-day or next-day travel, (b) for the same or a lower fare class as your original ticket, (c) for the same departure and arrival airports as your original ticket, and (d) for a new ticket price less than the stated maximum fare cap (including taxes and fees), per traveler. The maximum fare cap will be disclosed to you prior to your purchasing the service. If you are traveling with multiple passengers, online rebooking is only available if you are rebooking all of the original travelers. If you would like to rebook one or some of the passengers, you will be prompted to call Capital One Travel at 833-265-4540 for assistance.
If you are not satisfied with your rebooking options, you will have the option to get a refund of your full base fare (for the entire trip booked with the service, including taxes and fees) through Capital One Travel. Requesting a refund does not require you to contact your airline. However, if you receive a refund for your full ticket cost through Capital One Travel’s flight disruption assistance service, you will not have the option to request an additional refund for the same ticket through the airline directly. See Section 6. (below) for more details about receiving a refund. If no decision to use the flight disruption assistance service is made, the service will expire twenty-four (24) hours after the last flight of your booked trip.
Eligible Reasons for Missing Your Flight or for Delay or Cancellation. To be eligible to use the flight disruption assistance service, the Flight Disruption must occur while you are in transit and traveling to or from your destination. “In-transit” means the disruption must have occurred within twenty-four (24) hours of your scheduled departure time for the impacted flight. The reason you missed your connecting flight, the flight was delayed or the flight was canceled, as applicable, must be due to an eligible reason. Eligible reasons include, but are not limited to, delays, cancellations or missed connections, in each case due to airline issues, customs issues or weather. All determinations of whether a disruption was due to an eligible reason will be at the discretion of Capital One Travel.
Exclusions. The service does not apply following the earlier of:
(a) declaration of an “emergency” or similar “extraordinary measures” taken by any governmental authority in the destination city, region, or country of your trip, or issuance of a Safety and Security Alert by the United States Department of State or a Travel Health Notice Warning by the United States Center for Disease Control (CDC) for such destination;
(b) designation by the World Health Organization (WHO) that the destination city, country, or region of your trip is at risk from COVID-19. Such events shall not be eligible reasons. In the event of such cancellation, or declaration of emergency, alert, notice, designation, or other similar government action, your purchased Service shall expire immediately; or
(c) Any voluntary cancellation requested by you for any of the tickets subject to the service, if made (i) directly with any airline or, (ii) if applicable, by exercising your option to cancel for any reason through Capital One Travel.
Things to Know About Booking a New Flight or a New Connecting Flight. If a Flight Disruption occurs and you elect to use the service to rebook a new ticket on a qualifying flight, you must be able to arrive at the gate of the new or new connecting flight in time to board. Capital One Travel is not responsible for ensuring you arrive at the gate on time and will not pay any additional costs if you miss your new or new connecting flight. Additionally, please note:
Checked luggage: If you have any checked luggage, you must coordinate directly with the original airline to retrieve your luggage before or after your new flight. Capital One Travel is not responsible for any baggage retrieval and will not cover any baggage fees.
Return flights or additional flights on your itinerary: If you elect to use the service, you are solely responsible for confirming with the airline on your original booking that the remainder of the flights in your booking, including any return flights, will not be canceled. If you elect to use the service and have a return flight or remaining legs of your trip that you wish to use, call your original airline directly to: (1) let them know you have found alternate travel for your disrupted flight and (2) request confirmation that any additional or return flights will not be canceled on your reservation. If the airline on the original booking cancels the remaining flight segments on your original booking and you inform Capital One Travel of such cancellation by contacting an agent, Capital One Travel will offer you the option to rebook a new flight to replace the canceled flight segments at no extra cost, subject to these Terms and Conditions (including the stated maximum fare cap).
Service Satisfaction Guarantee. The service comes with a satisfaction guarantee, as set forth in this Section. If you are eligible for and elect to use the flight disruption assistance service, and you are not happy with the rebooking options offered by Capital One Travel, you may choose to receive a refund for the cost of your original flight ticket(s) for which the service was purchased. Refunds cover the full base fare and related taxes and fees. Any paid add-ons, such as baggage, seat or boarding order selection, and flight disruption assistance, are not included in the refund. Refunds will be delivered to your original payment method (e.g., credit card, travel credits and/or rewards redemption). If you used a mixture of a credit card, redeemed rewards, and/or travel credits to purchase the fare, the difference will be refunded proportionally. The election to receive a refund shall be in lieu of rebooking on a new flight; if you elect to receive a refund, then the ability to rebook a disrupted flight with the service shall be immediately null and void. You may not be eligible to receive this service satisfaction guarantee refund in the event you elect to receive any cash or credit card refund provided from the airline for the cost of your disrupted flight. However, if you exercise the service satisfaction guarantee and receive a full refund for your booking through Capital One Travel, you will still be eligible to receive any future travel credits or other non-cash equivalents that the airline may provide as compensation for the disrupted flight.
Who is Included in the Service. The fee to purchase the service is assessed per flight booking and provides the service for all passengers included on the travel itinerary at the time of booking, subject to these Terms and Conditions. If there is more than one passenger on the booking, the passenger who made the booking shall determine how to exercise the flight disruption assistance service in response to a Flight Disruption, and such election shall apply to any other passenger included on the booking.
Other Restrictions. If you elect to use the flight disruption assistance service, Capital One Travel will not be responsible for any fees and costs incurred by you (e.g., new baggage fees or upgrades) other than the costs of the new eligible ticket(s) or refund for a disrupted flight, as applicable, and in each case subject to the stated maximum fare cap. The service is valid for ONE Flight Disruption per passenger in connection with the trip for which the service was purchased. A second Flight Disruption on the same trip itinerary will not be eligible for the service. The service does not carry over to any future bookings made with Capital One Travel. The service is only offered on select bookings made through the Capital One Travel portal. Capital One Travel reserves the right to deny the purchase of the service to any customer for any lawful reason. In the event you make a voluntary schedule change more than twenty-four (24) hours before your departure date, the service may no longer be valid. The service cost is non-refundable and non-transferable.
Passenger Rights Regimes. Certain jurisdictions, including Canada and the European Union, have adopted laws and/or regulations requiring airlines to compensate passengers in the event of certain disruptions to scheduled air travel (a “Passenger Rights Regime”). In the event of such a disruption, you may be eligible for compensation under a Passenger Rights Regime, regardless of whether you elect to purchase the service.
Interaction with Other Capital One Travel Services, Offers and Promotions. If you purchased the service for a flight purchased following a price freeze through Capital One Travel, or receipt of any refund from Capital One Travel such as a price drop protection refund or price match guarantee refund, the dollar amount of any refund you receive as part of the flight disruption assistance service will be based on the final price you paid for the airline ticket(s) after exercising your price freeze and/or receiving a refund or discount under any other offers, promotions, or services available through Capital One Travel.
If you have purchased the option to cancel for any reason in addition to the flight disruption assistance service for the same Capital One Travel booking, your option to cancel for any reason will remain valid up to three (3) hours prior to your first scheduled departure. If you exercise your option to cancel for any reason, your flight disruption assistance service will immediately be null and void and you will not be entitled to receive any refund or rebooking under the service. Please see the “Cancel for Any Reason (Flights)” section above for more information.
Not Insurance. The service is a guarantee that Capital One Travel will rebook you on a new, qualifying flight in the event you experience a Flight Disruption. In the event Capital One Travel is unable to provide the flight disruption assistance service to your satisfaction, Capital One Travel will provide a refund to your original payment method as specified in [Section 6]. Capital One Travel provides its customers with the flight disruption assistance service to provide a more seamless and flexible experience for travel booked on the Capital One Travel portal. The service Terms and Conditions are not intended to constitute an offer to insure, do not constitute insurance or an insurance contract, and do not take the place of insurance obtained or obtainable by you.[/SPOILER}