May 17, 2017, 6:45 pm
Last edit by: threeoh
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my inbound. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Need more data on this.
Experiences:
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my inbound. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Need more data on this.
Experiences:
- 01/2014 - Delayed in MSP overnight due to mechanical issues. ~$300 for Hotel Ivy downtown, meals, and ground transportation covered with no issues. Benefits applied to AMEX FHR. Claim processed within 1 week. [Full Report]
- 02/2014 - Flight was cancelled due to weather; booked Amtrak with points, which was then delayed because of downed electrical wires; rented a car and drove home. Used print out from flightaware.com to show flight was cancelled, claimed non-points dollar amount for Amtrak ticket, got Chase (not insurance) to request receipts from vendors that weren't saved by OP. All was covered. Full report
- 04/2014 - Delayed in DTW overnight due to crew member time-out. ~$400 for DTW Westin and meals covered with no issues. Claim processed within 1 week. Full Report
- 07/2014- Delayed in MSP overnight due to weather at destination. Booked Marriott Mall of America for $120, and meals for 3 and a shirt were all covered. Recommend keeping new and old boarding passes.
- 12/2014 - Trip delay in WAS (flight was delayed because of MX causing misconnect and overnight. Reward flight with taxes+fees on Chase card. OP + wife were covered $632 for a for a room, dinner, and taxi roundtrip from the airport. Gratuity was not reimbursed and could not convince them to after a phone call. Hotel Was $380 after tax and this was not a problem.
- 07/2016 - Delayed in YYC overnight due to mechanical problems. Claim paid out ~$300. Full report.
- 7/2017 - Delayed in EWR due to thunderstorms. ~$390 for hotel, uber, meals. Claim processed within a week, no issues. Full report.
- 9/2017 - Delayed in EWR due to Harvey. ~$499 for hotel, ubereats. Claim processed in 7 business days
- 1/2017 - $625 covered on two tickets on JetBlue award flight with taxes+fees on Chase in FLL. Missed connection due to Mx. Incl. $65 at Walgreens, r/t uber to hotel, uber home, $265 hotel, $180 meal. Tax, tip, and alcohol covered.
- 06/2017 - $258 covered for overnight delay hotel/dinner. Did not cover $50 to pick a seat on next day's flight. Full report
- 08/2017 - covered during ATC equipment failure leading to cancelled flight
- 08/2017 - covered with flightaware showing delay, no direct statement from carrier. Booked dummy return flight on Southwest to 'comply' with r/t requirement.
- 12/2017 - covered for forced overnight due to ATL "Power Outage". Entire ticket, including taxes, was paid for using Ultimate Reward points through my Reserve account. There was no credit card charge showing on my account.
- 1/2018 - covered for $500 including hotel tips, a drink, and minibar snacks w/ no receipt (but showed credit card statement with purchases listed)
- 1/2018 - covered rental + gas to drive to int'l gateway when feeder flight was cancelled.
- 3/2018 - covered int'l phone calls, roaming cell phone data (submitted phone bill), storage locker, and hotel.
- 4/2018 - covered hotel, meals/snacks, cold medicine, Uber ground transport for overnight due to weather. Award ticket with taxes/fees on CSR.
- 5/2018 - covered $250 in hotel, uber, two meals after missing a connection in a "painless but slightly drawn out" process. Had to request a different delay letter because first one didn't state cause of delay. Total turn-around time 40 days including re-requesting delay letter.
- 11/2018 - covered $300+ in hotel, 2 Ubers, 3 meals; did not cover seat charge or Uber home; originally booked with UR points (no CC charge)
- 7/2019 - covered $400+ in hotel, rental car, 3 meals, clothing/toiletries for me, wife and son for 24 hour delay; award tickets with taxes/fees in CSR.
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)
Feb 7, 2017, 8:59 pm
#151
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
Chase specifically mentioned AirBNB as they said ALL privately owned properties are not included. I said thats complete rubbish. That would exclude, not only AirBNB , home and Away but also Omni hotels and boutique hotels.
They said they would get a senior claims person to call me within 48 hours.
They said they would get a senior claims person to call me within 48 hours.
Feb 8, 2017, 6:16 am
#152
Join Date: Dec 2006
Programs: AA Gold . Hilton Diamond, Hyatt Platinum.
Posts: 486
I dont know how its coded . I just looked at my year end summary and the payment to Home and Away is classified under Tax, Legal Financial Services !
Feb 8, 2017, 9:03 am
#153
Join Date: Sep 2012
Location: Florida
Posts: 448
Definitely looking forward to hearing what the supervisor/claims agent says.
Feb 8, 2017, 12:20 pm
#154
Join Date: Dec 2006
Programs: AA Gold . Hilton Diamond, Hyatt Platinum.
Posts: 486
This is what I've alluded to in previous posts. Home and Away is not classified as a Travel related charge (hence no 3X earnings), but AirBnB is classified in such a way that it earns 3X pts. I don't know if the two are related at all, but I definitely think it can only help to have AirBnB coded as Travel when discussing if it is covered under Travel protections. But obviously Chase and their Travel insurance provider are not the same entity so it may not matter at all.
Definitely looking forward to hearing what the supervisor/claims agent says.
Definitely looking forward to hearing what the supervisor/claims agent says.
It would be interesting to me if they disallow HomeandAway as an insurance claim but allow AirBNB. I doubt that would be in the T&C .
This is going to get interesting I think.
Last edited by barnetda; Feb 8, 2017 at 12:25 pm
Feb 8, 2017, 1:29 pm
#155
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
Thanks MilesGator. I wouldnt know how to get Chase to code Home and Away as travel but as you say the insurer and chase are not the same entity so it may not have any bearing.
It would be interesting to me if they disallow HomeandAway as an insurance claim but allow AirBNB. I doubt that would be in the T&C .
This is going to get interesting I think.
It would be interesting to me if they disallow HomeandAway as an insurance claim but allow AirBNB. I doubt that would be in the T&C .
This is going to get interesting I think.
I suspect HomeAway/AirBNB are being denied because the actual property itself does not have their own merchant account coded as hotel.
Feb 8, 2017, 1:39 pm
#156
Join Date: Dec 2006
Programs: AA Gold . Hilton Diamond, Hyatt Platinum.
Posts: 486
I dont know how many AirBNB and HA that affects but I saw a survey that suggested more than 30% of travel nights were now in the Private sector.
Feb 8, 2017, 3:42 pm
#157
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
So if they are not coded as a Hotel do you think that is grounds for refusing to pay my accommodation loss ? , (Serious question).
I dont know how many AirBNB and HA that affects but I saw a survey that suggested more than 30% of travel nights were now in the Private sector.
I dont know how many AirBNB and HA that affects but I saw a survey that suggested more than 30% of travel nights were now in the Private sector.
This is starting to diverge off-topic to the legality of AirBnB/HomeAway but I can think of a couple of reasons why it is not recognized.
- Hotels has their own hotel-coded credit card merchant account. You need to have been registered as a business.
- Hotels would require some sort of permit to operate as a hotel.
- The property is zoned as commercial.
- Hotel is most likely listed in GDS so it is bookable by IATA travel agencies.
Take away the AirBnB component for a second. Let's say you were visiting family for the holidays and you had a delay on the return flight and stayed an extra night at your family, I don't think you would ask your family to draft up an invoice and expect coverage to be provided. IMO the only difference between staying overnight at your family and AirBnB is you don't know the owner and there is a payment component involved. IMO The payment component alone does not make it qualify as lodging in the traditional sense.
Feb 8, 2017, 4:02 pm
#158
Join Date: Dec 2006
Programs: AA Gold . Hilton Diamond, Hyatt Platinum.
Posts: 486
What I think is irrelevant it's the insurer's definition that matters.
This is starting to diverge off-topic to the legality of AirBnB/HomeAway but I can think of a couple of reasons why it is not recognized.
Take away the AirBnB component for a second. Let's say you were visiting family for the holidays and you had a delay on the return flight and stayed an extra night at your family, I don't think you would ask your family to draft up an invoice and expect coverage to be provided. IMO the only difference between staying overnight at your family and AirBnB is you don't know the owner and there is a payment component involved. IMO The payment component alone does not make it qualify as lodging in the traditional sense.
This is starting to diverge off-topic to the legality of AirBnB/HomeAway but I can think of a couple of reasons why it is not recognized.
- Hotels has their own hotel-coded credit card merchant account. You need to have been registered as a business.
- Hotels would require some sort of permit to operate as a hotel.
- The property is zoned as commercial.
- Hotel is most likely listed in GDS so it is bookable by IATA travel agencies.
Take away the AirBnB component for a second. Let's say you were visiting family for the holidays and you had a delay on the return flight and stayed an extra night at your family, I don't think you would ask your family to draft up an invoice and expect coverage to be provided. IMO the only difference between staying overnight at your family and AirBnB is you don't know the owner and there is a payment component involved. IMO The payment component alone does not make it qualify as lodging in the traditional sense.
I can see your point regarding the "hotel coded" and therefore the complications that are now arising.
I dont agree regarding the comparison between family and private renting. I paid for the accommodation on my CSR card . The charge is for travel lodging and therefore IMHO it should definitely be covered under the trip cancelation policy. I paid $4000 for 4 nights and my trip was interrupted on the 3rd night .
If the privately owned accommodation providers are not covered it should be made very clear in the insurers T&C particularly when 30% of travel lodging has now moved from traditional hotels to the Airbnb, VRBO businesses.
As soon as i hear from the insurers I will update here .
Feb 8, 2017, 5:34 pm
#159
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
If you took my previous post and replace hotel with car and AirBnB with Uber, it might be interesting to see if it is covered. Citi Trip insurance covers Uber for ground transportation due to delays. Not sure about Chase.
Feb 8, 2017, 6:48 pm
#160
Join Date: Dec 2006
Programs: AA Gold . Hilton Diamond, Hyatt Platinum.
Posts: 486
I really think with the explosive growth of these owner operated businesses we need clarification of what is covered and what is not.
Feb 12, 2017, 3:17 pm
#161
Join Date: Sep 2005
Location: ATW
Programs: OZ Diamond, Skymiles Gold, Hyatt Explorist
Posts: 53
Chase Visa Sapphire Preferred Travel Insurance Question
Hi,
I bought return tickets for my wife and son MKE-LGA-MKE on Visa Sapphire. On the day of the return flight (original departure time Sunday at 3:44 pm), the flight was Cancelled by Delta and they were put on the next day flight (departure Monday at 6:59 am). Since my wife has to work on Monday, she can't wait until Monday to flight back home. Therefore, she bought AA tickets for Sunday at 5:51 pm. So, my question is:
* Can we claim Visa Sapphire Travel Cancellation / Interruption insurance in this case for those AA tickets?
We never use this kind of benefits from Visa before. Therefore, any inputs / information would be appreciated. Thank you.
I bought return tickets for my wife and son MKE-LGA-MKE on Visa Sapphire. On the day of the return flight (original departure time Sunday at 3:44 pm), the flight was Cancelled by Delta and they were put on the next day flight (departure Monday at 6:59 am). Since my wife has to work on Monday, she can't wait until Monday to flight back home. Therefore, she bought AA tickets for Sunday at 5:51 pm. So, my question is:
* Can we claim Visa Sapphire Travel Cancellation / Interruption insurance in this case for those AA tickets?
We never use this kind of benefits from Visa before. Therefore, any inputs / information would be appreciated. Thank you.
Feb 12, 2017, 3:50 pm
#162
Join Date: Jun 2013
Location: SJC/SFO
Posts: 373
According to the terms, a "covered loss" for trip cancellation protection is:
It doesn't seem like any of the above applies to your situation, so no, you are not covered.
Covered Loss means one of the following events that occur when you or an Immediate Family Member is insured under the policy and the event causes cancellation of the travel arrangements:
• Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion
• Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
• Change in military orders for you, your Spouse, or your Domestic Partner
• A terrorist action or hijacking
• A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
• Finding your or your Traveling Companion’s dwelling to be uninhabitable
• Quarantine imposed by a Physician for health reasons
• Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked
• Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion
• Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
• Change in military orders for you, your Spouse, or your Domestic Partner
• A terrorist action or hijacking
• A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
• Finding your or your Traveling Companion’s dwelling to be uninhabitable
• Quarantine imposed by a Physician for health reasons
• Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked
Feb 12, 2017, 4:29 pm
#163
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,588
Hi,
I bought return tickets for my wife and son MKE-LGA-MKE on Visa Sapphire. On the day of the return flight (original departure time Sunday at 3:44 pm), the flight was Cancelled by Delta and they were put on the next day flight (departure Monday at 6:59 am). Since my wife has to work on Monday, she can't wait until Monday to flight back home. Therefore, she bought AA tickets for Sunday at 5:51 pm. So, my question is:
* Can we claim Visa Sapphire Travel Cancellation / Interruption insurance in this case for those AA tickets?
We never use this kind of benefits from Visa before. Therefore, any inputs / information would be appreciated. Thank you.
I bought return tickets for my wife and son MKE-LGA-MKE on Visa Sapphire. On the day of the return flight (original departure time Sunday at 3:44 pm), the flight was Cancelled by Delta and they were put on the next day flight (departure Monday at 6:59 am). Since my wife has to work on Monday, she can't wait until Monday to flight back home. Therefore, she bought AA tickets for Sunday at 5:51 pm. So, my question is:
* Can we claim Visa Sapphire Travel Cancellation / Interruption insurance in this case for those AA tickets?
We never use this kind of benefits from Visa before. Therefore, any inputs / information would be appreciated. Thank you.
Did you/your wife seek a refund of the unused portion of the DL roundtrip tickets from DL? I'm pretty sure that you could have gotten that, as long as you requested same before the Monday morning flight departed.
What was the reason for cancellation of the DL flight? Weather? Maintenance? Unavailability of crew? Something else?
Feb 12, 2017, 4:58 pm
#164
Join Date: Sep 2005
Location: ATW
Programs: OZ Diamond, Skymiles Gold, Hyatt Explorist
Posts: 53
It seems to me that you are looking at the wrong coverage. Your situation sounds like trip delay, not trip cancellation/interruption. But I'm pretty sure that trip delay does not cover the cost of alternative air travel, just overnight lodging, meals, etc. Did DL offer food and overnight lodging to your wife and son? If not, I suppose you could try to convince Chase's benefits administrator to reimburse all or part of the cost of the AA flight, since by taking that flight, your wife and son avoided the food and lodging expenses which Chase would otherwise have been required to reimburse. I'm not saying that you'll prevail, but you at least have an argument to make. (If DL offered overnight lodging and meals, I doubt that Chase will give you anything.)
Did you/your wife seek a refund of the unused portion of the DL roundtrip tickets from DL? I'm pretty sure that you could have gotten that, as long as you requested same before the Monday morning flight departed.
What was the reason for cancellation of the DL flight? Weather? Maintenance? Unavailability of crew? Something else?
Did you/your wife seek a refund of the unused portion of the DL roundtrip tickets from DL? I'm pretty sure that you could have gotten that, as long as you requested same before the Monday morning flight departed.
What was the reason for cancellation of the DL flight? Weather? Maintenance? Unavailability of crew? Something else?
The reason for the cancellation is weather related (rain slick condition in New York area). Delta won't provide accommodation, since it is weather related. I booked them a room at Hampton Inn LaGuardia for one night (around $200 in total). It seems now I have a good case for claiming the Trip Delay insurance coverage, right?
Feb 12, 2017, 5:07 pm
#165
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,588
Thank you for the information. Just an update. After buying the AA tickets and waiting at the AA gate, the AA flight was delayed and would cause them to miss the connection flight in PHL. So, I cancelled the AA tickets and now back to Delta (fortunately I haven't cancelled this one yet) departing at 6:59 am on Monday (originally 3:44 pm on Sunday).
The reason for the cancellation is weather related (rain slick condition in New York area). Delta won't provide accommodation, since it is weather related. I booked them a room at Hampton Inn LaGuardia for one night (around $200 in total). It seems now I have a good case for claiming the Trip Delay insurance coverage, right?
The reason for the cancellation is weather related (rain slick condition in New York area). Delta won't provide accommodation, since it is weather related. I booked them a room at Hampton Inn LaGuardia for one night (around $200 in total). It seems now I have a good case for claiming the Trip Delay insurance coverage, right?