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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)

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Old May 17, 2017, 6:45 pm
FlyerTalk Forums Expert How-Tos and Guides
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:

  • 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:
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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)

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Old Apr 23, 2017, 4:37 pm
  #211  
 
Join Date: Jul 2016
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Trip Cancellation - Works for One Way?

I am planning a trip from the United States to Italy. I a flying Delta to Italy on a one- way ticket booked with an AmEx card, and on American Airlines on a one-way ticket for the return trip purchased with the Chase Sapphire Reserve card.

In the event of cancellation of the trip for a covered/legitimate reason (either before the trip commences (i.e., before leaving for Italy), or midway in the trip (after arriving in Italy but before leaving back to the US), will Chase Sapphire cover the cost of the non-reimbursable "RETURN" trip ticket under the trip cancellation policy.

I ask this question because I didn't buy a "round trip" ticket with the Reserve card; just the air ticket for the return trip. So, for the trip cancellation policy to be effective for the return ticket only, does the entire trip (round trip) have to be purchased with the Reserve card?
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Old Apr 24, 2017, 1:22 am
  #212  
 
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Originally Posted by edealinfo12345
I am planning a trip from the United States to Italy. I a flying Delta to Italy on a one- way ticket booked with an AmEx card, and on American Airlines on a one-way ticket for the return trip purchased with the Chase Sapphire Reserve card.

In the event of cancellation of the trip for a covered/legitimate reason (either before the trip commences (i.e., before leaving for Italy), or midway in the trip (after arriving in Italy but before leaving back to the US), will Chase Sapphire cover the cost of the non-reimbursable "RETURN" trip ticket under the trip cancellation policy.

I ask this question because I didn't buy a "round trip" ticket with the Reserve card; just the air ticket for the return trip. So, for the trip cancellation policy to be effective for the return ticket only, does the entire trip (round trip) have to be purchased with the Reserve card?
All of your questions can be answered here:

https://www.chasebenefits.com/sapphirereserve
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Old Apr 27, 2017, 8:19 am
  #213  
 
Join Date: Mar 2013
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Hotel booked with points covered?

Our connecting flight was cancelled due to weather and we had to stay overnight at an airport hotel (Hyatt Place). We booked the room using points since the cash rate was quite high for a HP ($200+) not thinking straight at that moment 😐 We spent 8000 Hyatt points for the room. How much reimbursement, if any, will we get?

We booked the flights with CSR.
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Old Apr 27, 2017, 9:30 am
  #214  
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Originally Posted by Namaste1
Our connecting flight was cancelled due to weather and we had to stay overnight at an airport hotel (Hyatt Place). We booked the room using points since the cash rate was quite high for a HP ($200+) not thinking straight at that moment 😐 We spent 8000 Hyatt points for the room. How much reimbursement, if any, will we get?

We booked the flights with CSR.
I expect that you will get nothing.
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Old Apr 27, 2017, 11:02 am
  #215  
 
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Originally Posted by guv1976
I expect that you will get nothing.
That's what I thought... Being stuck at the airport for 9 hours can make (most) anyone not think straight. Will just have to chalk it up as a lesson learned.
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Old Apr 28, 2017, 8:01 am
  #216  
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Originally Posted by Namaste1
We spent 8000 Hyatt points for the room. How much reimbursement, if any, will we get?
In the related Trip Cancellation Insurance, it provides for a payout of 1 cent per point, for redeemed points, as long as they were earned in a Chase sponsored program.

I wonder if you could use that same logic to claim for $80, if you earned using a Chase Hyatt card...
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Old Apr 28, 2017, 10:29 am
  #217  
 
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I actually put in a request for $120 yesterday since CSR gives 1.5 cents per point when redeemed for travel. We'll see what they say. If they disagree, I'll definitely ask for $80. I

It's taking Card Services quite long to process the claim. Although it states on the auto reply email someone will contact me within one business day of filing the claim, I didn't have anyone contact me until 1.5 weeks later. Also, even though I submitted all receipts when I first filed, they're asking me to upload all receipts (again) 🙄. I wonder if they actually read the claim before they reply.
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Old Apr 29, 2017, 1:52 pm
  #218  
 
Join Date: Jul 2016
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Originally Posted by jooce
This ordeal left a bad taste in my mouth, and I am now looking into American Express cards. I know I'm only out $30, but I am still annoyed about how this was handled. What a pity, since I have loved using my Chase Sapphire Preferred card for 3 years until this point.
I understand and empathize with your situation but How is AMEX a solution when it does not provide free trip cancellation insurance?

Last edited by mia; Apr 29, 2017 at 4:58 pm Reason: Formatting
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Old May 1, 2017, 3:52 pm
  #219  
 
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Dealing with the Reimbursement Company now, what a PITA.

February I was traveling with Dad to NAS, delay caused us to overnight in MIA. Got hotel covered by AA, wanted reimbursement for clothes that we bought and dinners totaling ~$500(I'll grant you we enjoy the finer things)

Finally got an email today saying they will cover $150 and are starting a new claim for baggage delays. Whoever is doing the insurance continues to ask for more documentation regarding the delayed bag(I've already provided everything I can) and IMO fighting until I just give up.

The ordeal is leaving a pretty sour taste in my mouth, have a call with the auditor tomorrow, anyone have advice with dealing with them?

TIA,

DCFinanceinFlight
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Old May 1, 2017, 4:04 pm
  #220  
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Originally Posted by DCFinanceinFlight
Dealing with the Reimbursement Company now, what a PITA.

February I was traveling with Dad to NAS, delay caused us to overnight in MIA. Got hotel covered by AA, wanted reimbursement for clothes that we bought and dinners totaling ~$500(I'll grant you we enjoy the finer things)

Finally got an email today saying they will cover $150 and are starting a new claim for baggage delays. Whoever is doing the insurance continues to ask for more documentation regarding the delayed bag(I've already provided everything I can) and IMO fighting until I just give up.

The ordeal is leaving a pretty sour taste in my mouth, have a call with the auditor tomorrow, anyone have advice with dealing with them?

TIA,

DCFinanceinFlight
Had you asked your airline to make your bags available to you in MIA when it became clear that you (and your bags?) were not making it to NAS?
​​​​​​
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Old May 1, 2017, 4:24 pm
  #221  
 
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Originally Posted by guv1976
Had you asked your airline to make your bags available to you in MIA when it became clear that you (and your bags?) were not making it to NAS?
​​​​​​
We were told we could not get them due to TSA restrictions, similar storyline as what we were told when we asked to switch airports to get to MIA.

I have found the "TSA restriction" card to be used often by lazy agents who do not want to help; on DL I have had my itinerary changed to different routing(INTL from SYD) so it can be done while mid trip.

Last edited by DCFinanceinFlight; May 1, 2017 at 4:30 pm Reason: Added comment
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Old May 2, 2017, 7:47 am
  #222  
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I had AA rescheduled me for travel next day and my checked bags were returned to me (after waiting 45 minutes) at MIA.
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Old May 5, 2017, 4:40 pm
  #223  
 
Join Date: May 2017
Location: PHX
Posts: 21
Originally Posted by seawolf
Claims process involve providing receipt showing amount paid which will show $0
I have a question regarding the CSR & CSP trip delay benefit.
What exactly does "Covered Hazard" mean. Looking at the document it reads: "A Covered Hazard includes equipment failure, inclement weather,labor strikes, and hijacking or skyjacking."

I had a vacation package from Costco with international air tickets from LAX on 27th night. I had booked my own UA ticket from PHX to LAX.

At the gate we were told flights into LAX were a little delayed and the delay kept increasing. We were out of options to book to another close by airport and drive to LAX. Finally the 6:10 scheduled departure boarded after 9 PM and took off only past 9:30 PM. We didn't get a gate in time in LAX and I missed my 11:59 PM flight. The reason we were told was "Air Traffic Control issues in LAX"

My next airline offered to put me on the next flight the next evening. But No one was liable to help us with accommodation as the bookings were separate.

I had to book a hotel for the night in LAX, another hotel room the following night in my vacation destination's main airport (because we reached at a time when no transportation was available to take us to our final destination).

Does "ATC problems" qualify for Trip Delay reimbursement? I did not have the time to talk to UA officials in LAX because I literally took my baggage (and wife) and ran from terminal 8 to Terminal B in hopes of making it in time. ( the next airline had called me when I landed in LAX and said they would hold on for another 15 mins )
Without getting into bashing UA and their hopeless and unhelpful staff (they didn't even want to announce to let us get off the plane first), I would just like to reduce some of my losses here by using this benefit. I lost a whole day and half of my vacation and use of an expensive resort room I had booked. I also had to endure a sleepless night co-coordinating and re-planning my transportation and stay in another country.

Shout-out to Costco Travel who were very helpful and supporting!!!
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Old May 7, 2017, 10:52 pm
  #224  
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I expect it will qualify. File a claim.

Neil
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Old May 8, 2017, 7:00 am
  #225  
 
Join Date: Nov 2010
Location: Traveling some where hopefully
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Air Traffic Control issues in LAX"

This is what I filed a claim for on 11/2016. What you need is the 1st airline to email you a copy that it was "air traffic control". Mine paid for Hotel, Gas to drive to another airport the next day and a meal because the next day it was the only way to get to my destination. Original airport had no flights to get me to my destination. Good luck
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