Originally Posted by Mauricio23
(Post 20836799)
In fairness, the reply from Capital One was that they would pay a claim where the late inbound aircraft resulted from an upstream weather scenario, as long as they get written confirmation from the airline that this was indeed the case. Good luck with getting that statement from Air Canada. All I got was a computer printout stating "Reason for delay: late inbound aircraft", and a blank stare when I asked them to clarify that the original problem was weather. "Sir, I can only give you what the system tells me was the reason for the delay".
Since the Amex policy covers any delay regardless of reason, I do not see the point of bothering any further. The only exception would be a hijacking, which Capital One covers and Amex does not. I guess Next time if I booked with CapOne I'll be sure to ask for specific reason written down on the paper, even if it's hand written by the agent. |
Hi Everyone – It’s Andrew from Capital One. I’m not sure if you saw this in the media, but I thought I would take this opportunity to share some great news with you. Yesterday, RewardsCanada.ca announced its fifth annual Canada’s Top Travel Rewards Cards feature and named the Capital One Aspire Travel World MasterCard Canada’s best travel points card with an annual fee, for the fourth year in a row.
We’re thrilled to receive this honour and we want to thank you for being part of this journey with us. -Andrew The feature with complete rankings and background can be found online at www.rewardscanada.ca/topcc2013 |
Originally Posted by AMCyyz
(Post 20911200)
Hi Everyone – It’s Andrew from Capital One. I’m not sure if you saw this in the media, but I thought I would take this opportunity to share some great news with you. Yesterday, RewardsCanada.ca announced its fifth annual Canada’s Top Travel Rewards Cards feature and named the Capital One Aspire Travel World MasterCard Canada’s best travel points card with an annual fee, for the fourth year in a row.
We’re thrilled to receive this honour and we want to thank you for being part of this journey with us. -Andrew The feature with complete rankings and background can be found online at www.rewardscanada.ca/topcc2013 |
Originally Posted by kwflyer
(Post 20807176)
AMCyyz:
There are no notifications and its up to the user continue to follow threads in a proactive manner, especially on ones that they have commented on.
Originally Posted by kwflyer
(Post 20807176)
I too have made travel claims with AMEX, and have never had any problems with them. They process my clams, in a timely manner for whatever the travel/flight/baggage reason was, and don't quibble over the travel/airlines coding for delay.
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Originally Posted by 1Newflyer
(Post 21091945)
That is because Rewards did not make any claims on delayed flights and do not know any better........
The administrator insisted on seeing the stated cause in the claim matching those listed in the policy, but instead saw a generic term. He could have proceeded to obtain the detail from the airline but chose to simply reject the claim. |
Originally Posted by ValueHunter99
(Post 21092548)
It appears that the real issue here is not the policy itself, but how the policy has been administered.
The administrator insisted on seeing the stated cause in the claim matching those listed in the policy, but instead saw a generic term. He could have proceeded to obtain the detail from the airline but chose to simply reject the claim. |
I'm pretty annoyed at the moment with the Capital One insurance benefits. I had an Aeroplan award ticket, and was on a flight that was weather delayed, making me miss my connection, thus having to spend the night in YYZ. I had a claim for $150 or so. WTP denied the claim saying that "it was paid for with points thus is not eligible". I suppose WTP doesn't understand the nuances of award travel, wherein Aeroplan points are not used to pay for the trip, they're used to calculate a fare of 0, therefore any and all charges due are just the taxes, thus making it eligible for coverage. The CSR who I spoke with at WTP did not understand that at all. I said I wanted to appeal the decision, and she said it'd take 6-8 weeks, and I would NOT be allowed to submit any documents in support of my appeal. What a ridiculous appeal process!
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Originally Posted by durberville
(Post 21094096)
I'm pretty annoyed at the moment with the Capital One insurance benefits. I had an Aeroplan award ticket, and was on a flight that was weather delayed, making me miss my connection, thus having to spend the night in YYZ. I had a claim for $150 or so. WTP denied the claim saying that "it was paid for with points thus is not eligible". I suppose WTP doesn't understand the nuances of award travel, wherein Aeroplan points are not used to pay for the trip, they're used to calculate a fare of 0, therefore any and all charges due are just the taxes, thus making it eligible for coverage. The CSR who I spoke with at WTP did not understand that at all. I said I wanted to appeal the decision, and she said it'd take 6-8 weeks, and I would NOT be allowed to submit any documents in support of my appeal. What a ridiculous appeal process!
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Originally Posted by 1Newflyer
(Post 21093061)
Not the way I see it, airline will not provide detail to travelers on flights in progress never mind the canceled ones.....have you tried to get peace of paper. You have hundreds of folks at the counter trying to get agents to rebook and you are asking for explanations for "the late inbound arrival"? You think it is rational to expect that? Insurance that does not accept the above for your delay is useless.
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Originally Posted by durberville
(Post 21094096)
I'm pretty annoyed at the moment with the Capital One insurance benefits. I had an Aeroplan award ticket, and was on a flight that was weather delayed, making me miss my connection, thus having to spend the night in YYZ. I had a claim for $150 or so. WTP denied the claim saying that "it was paid for with points thus is not eligible". I suppose WTP doesn't understand the nuances of award travel, wherein Aeroplan points are not used to pay for the trip, they're used to calculate a fare of 0, therefore any and all charges due are just the taxes, thus making it eligible for coverage. The CSR who I spoke with at WTP did not understand that at all. I said I wanted to appeal the decision, and she said it'd take 6-8 weeks, and I would NOT be allowed to submit any documents in support of my appeal. What a ridiculous appeal process!
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Originally Posted by 1Newflyer
(Post 21094540)
Good to know that. Points have no monetary value and therefore can not be used as payment. On the other hand the credit card charges, we have to pay back with "money". I also have hard time accepting the breakdown of cost as fare, taxes, fees etc. I care less how it is described, it costs us a certain amount of money to get Aeroplan to issue a ticket ... period. The cost of every item we purchase can be broken down to thousands of elemental charges with "0" significance to customers. I feel your frustration.
https://www.facebook.com/CapitalOneC...75556345816487 |
Originally Posted by nabeelj
(Post 21094707)
Trying to get this same clarification from CapOne as we speak:
https://www.facebook.com/CapitalOneC...75556345816487 |
Originally Posted by durberville
(Post 21094744)
Ha, calling WTP now. Will be interesting to see how they wiggle their way out of this one :)
I suggest you write to Capital One with your experience, requesting that they reconsider their choice of claims administrator, and CC WTP. As more of us do this, maybe they will get the message. |
Originally Posted by 1Newflyer
(Post 21093061)
Not the way I see it, airline will not provide detail to travelers on flights in progress never mind the canceled ones.....have you tried to get peace of paper. You have hundreds of folks at the counter trying to get agents to rebook and you are asking for explanations for "the late inbound arrival"? You think it is rational to expect that? Insurance that does not accept the above for your delay is useless.
"Coverage A - Missed Connection If due to the delay of the insured person’s incoming flight, the insured person misses a confirmed onward connecting flight and no alternative onward transportation is made available within four (4) hours of deplaning, we will pay the insured person’s necessary and reasonable living expenses incurred within forty-eight (48) hours of deplaning and other sundry items. " the cause "inbound flight delay" seems to be in the text of the policy. I checked CIBC & Cap1, they are worded differently than the above. |
Originally Posted by ValueHunter99
(Post 21096932)
Amex's policy for the flight delay:
"Coverage A - Missed Connection If due to the delay of the insured person’s incoming flight, the insured person misses a confirmed onward connecting flight and no alternative onward transportation is made available within four (4) hours of deplaning, we will pay the insured person’s necessary and reasonable living expenses incurred within forty-eight (48) hours of deplaning and other sundry items. " the cause "inbound flight delay" seems to be in the text of the policy. I checked CIBC & Cap1, they are worded differently than the above. More specifically it says: (v) a delay causing an Insured Person to miss a connection for a Common Carrier or resulting in the interruption of an Insured Person’s travel arrangements including the following: • A delay of an Insured Person’s Common Carrier, resulting from the mechanical failure of that carrier; • A traffic accident or an emergency police-directed road closure (either must be substantiated by a police report); or • Weather conditions Its clear the "late inbound flight" meets the italic words above. And since it is not listed in the Limitation and Exclusions then all is good. |
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