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)
Jun 30, 2017, 12:47 pm
#286
Join Date: Sep 2014
Posts: 2,531
Regarding the 20-day notice requirement and TK's 21-day-to-declare-a-bag-lost timeframe, the guide to benefits says this:
and then says
Seems like you should start a claim on the website ("written claim notice") by day 20 and then make sure you submit all of your documentation by day 90. You don't need all of the docs by day 20, you just have to notify them that you are filing a claim. Same deadlines for Lost Luggage vs Baggage Delay.
I'd start one of each (before day 20) and then drop the Lost Luggage claim when you have the bag in your hands and can see that it is not damaged or missing items; and drop the Baggage Delay claim if/when TK pays up.
The benefit is per covered traveller per trip, not per bag, and you're both covered travellers so I don't think it matters whose name you file under, especially for a married couple on one PNR with a shared bag. Might raise fewer eyebrows if you do it under the same name as the claim ticket and PIR but I think you would get the money either way.
You must provide a written claim notice within twenty (20) days after the occurrence or commencement of any loss covered by this policy or as soon as reasonably possible. The notice must include enough information to identify you, and Chase Bank USA, N.A. and/or its affiliates. Please note that failure to provide a claim notice within twenty (20) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible.
You need to send the Company complete Proof of Loss within ninety (90) days from the date of loss or as soon as reasonably possible. Please note that failure to provide Proof of Loss within these time frames will not invalidate or reduce any otherwise valid claim if notice is given as soon as is reasonably possible, and in no event later than one (1) year after the ninety (90) day deadline to submit Proof of Loss, except in cases where the claimant lacks legal capacity.
I'd start one of each (before day 20) and then drop the Lost Luggage claim when you have the bag in your hands and can see that it is not damaged or missing items; and drop the Baggage Delay claim if/when TK pays up.
The benefit is per covered traveller per trip, not per bag, and you're both covered travellers so I don't think it matters whose name you file under, especially for a married couple on one PNR with a shared bag. Might raise fewer eyebrows if you do it under the same name as the claim ticket and PIR but I think you would get the money either way.
Jun 30, 2017, 4:57 pm
#287
Join Date: May 2017
Location: PHX
Posts: 21
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!!!
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!!!
Posting again as a follow up to my claim with Eclaims thanks to my CSR.
I filed a Trip Delay claim. Provided all the documentation, boarding passes, scans of vacation package booking, air tickets, hotel bookings made due to delay, receipts of food, taxi transfers etc. Also included a letter from United that said the delay was due to "Air Traffic Control - Weather". I also mentioned that this claim amount did not include the amount for 1 night of lost stay at my final destination at the resort in Moorea. I did not have the amount and they would need Costco to provide this. Meanwhile I contacted Costco and explained the situation to them, asked them to send a mail with the cost of 1 night since they couldn't give me this info.
4 weeks later, eclaims approved the entire amount of the trip delay. I was surprised why they ignored the 1 night. I hoped they would at least say that it would not be covered. To my surprise another claim was automatically started by them for trip interruption after 2 days. I received an email for this and was asked to send the details of the cost for that lost 1 night. Contacted Costco again. This time Costco member services went "against their own policy" and cc'd me in the email to eclaims with the cost of 1 night. (supposedly they dont give split of of packages costs to customers.) I called eclaims after 5 days they said they received it and will follow up. 2 weeks and no update. So I call again. I am told the email was "cut-off" so I need to create a pdf and resend it / attach it. I did that. After 1 week, again no update. I call again and am told the claim for trip interruption was approved 10 mins before my call.
So, for all the pain and harrowing experience I had, I finally came on top! Thanks to folks here for the info and thanks to Chase Sapphire Reserve for covering my a$$ for nearly $1000 of expenses. (trip delay + trip interruption)
A big round of applause to Costco Travel and their Membership services team. They stood by us throughout the delay even though it was not cause by a flight they booked in their package. And then by also dealing with Eclaims for my claim. I must say I feel I got my money's worth for my 6 years of Costco membership and the CSR AF I paid in Feb.
Jul 1, 2017, 3:00 am
#288
Join Date: Aug 2000
Location: Exile
Posts: 15,657
Seems like you should start a claim on the website ("written claim notice") by day 20 and then make sure you submit all of your documentation by day 90. You don't need all of the docs by day 20, you just have to notify them that you are filing a claim. Same deadlines for Lost Luggage vs Baggage Delay.
Once I get the bag back (which should be in the next few days, well within the 20 days deadline), I can determine if there is any loss or damage and if so, then I will file another claim for that.
Jul 1, 2017, 3:12 am
#289
Join Date: Jul 2013
Posts: 636
CSP/CSR Baggage Delay benefit experience?
Hello,
My baggage is delayed by Air Canada. I used CSP to pay for this trip and I am going to use its baggage delay benefit. However, there are two clarification questions I am wondering. I already SMed Chase but would love to hear from FTer who may used this benefit before.
My question is the following. The coverage amount/period is "Up to $100 per day for a maximum of 5 days." Assuming that the baggage is delayed by 10 days,
1) Do I need to make 5 purchases in 5 days, $100 each per day? Let's say if I make only one purchase on day 4 with the total of $500, would that work?
2) If I don't make a purchase on day 1-5, can I still make a purchase on day 6 and claim that expense?
Any suggestions/comments/thought would be greatly appreciated! Thank you.
My baggage is delayed by Air Canada. I used CSP to pay for this trip and I am going to use its baggage delay benefit. However, there are two clarification questions I am wondering. I already SMed Chase but would love to hear from FTer who may used this benefit before.
My question is the following. The coverage amount/period is "Up to $100 per day for a maximum of 5 days." Assuming that the baggage is delayed by 10 days,
1) Do I need to make 5 purchases in 5 days, $100 each per day? Let's say if I make only one purchase on day 4 with the total of $500, would that work?
2) If I don't make a purchase on day 1-5, can I still make a purchase on day 6 and claim that expense?
Any suggestions/comments/thought would be greatly appreciated! Thank you.
Jul 2, 2017, 6:46 pm
#290
Join Date: Jul 2017
Programs: United Mileage Plus, Chase Ultimate Rewards
Posts: 2
definition of "domestic partner" for trip insurance
As someone in a long-term relationship without legal status, I am puzzled by Chase's definition of domestic partner on p. 18 of the Guide to Benefits for CSR. What is the "date of enrollment"? If it's when I first get the card, then I guess I can never have a new domestic partner and still be covered. Or maybe I need to call Chase whenever I want to designate a domestic partner for their records. Any thoughts? So far, I have not gotten an answer from the Chase representative I spoke to.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Last edited by bobcat flyer; Jul 3, 2017 at 6:04 pm
Jul 3, 2017, 9:38 pm
#291
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
As someone in a long-term relationship without legal status, I am puzzled by Chase's definition of domestic partner on p. 18 of the Guide to Benefits for CSR. What is the "date of enrollment"? If it's when I first get the card, then I guess I can never have a new domestic partner and still be covered. Or maybe I need to call Chase whenever I want to designate a domestic partner for their records. Any thoughts? So far, I have not gotten an answer from the Chase representative I spoke to.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Jul 5, 2017, 5:02 am
#292
Join Date: Apr 2005
Location: ATL
Posts: 802
As someone in a long-term relationship without legal status, I am puzzled by Chase's definition of domestic partner on p. 18 of the Guide to Benefits for CSR. What is the "date of enrollment"? If it's when I first get the card, then I guess I can never have a new domestic partner and still be covered. Or maybe I need to call Chase whenever I want to designate a domestic partner for their records. Any thoughts? So far, I have not gotten an answer from the Chase representative I spoke to.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Jul 7, 2017, 2:25 pm
#293
Join Date: Jul 2017
Programs: United Mileage Plus, Chase Ultimate Rewards
Posts: 2
As someone in a long-term relationship without legal status, I am puzzled by Chase's definition of domestic partner on p. 18 of the Guide to Benefits for CSR. What is the "date of enrollment"? If it's when I first get the card, then I guess I can never have a new domestic partner and still be covered. Or maybe I need to call Chase whenever I want to designate a domestic partner for their records. Any thoughts? So far, I have not gotten an answer from the Chase representative I spoke to.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter
into a contract; is not related to you by blood; has exclusively lived with
you for at least 12 consecutive months prior to the date of enrollment;
is not legally married or separated and as of the date of enrollment
has with you at least 2 of the following financial arrangements: a joint
mortgage or lease, a joint bank Account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint Credit Card Account with a financial institution. Neither you
nor Your Domestic Partner can be married to, nor in a civil union with,
anyone else.
As pointed out by bigbuy, Citibank has a much looser requirement (e.g., "committed relationship").
Jul 7, 2017, 4:25 pm
#294
Join Date: Sep 2015
Posts: 576
I did hear back from the representative (from the third-party benefits administrator, not Chase). Apparently you just need to have the documentation (e.g., joint title, joint bank account) available when you make the claim.
As pointed out by bigbuy, Citibank has a much looser requirement (e.g., "committed relationship").
As pointed out by bigbuy, Citibank has a much looser requirement (e.g., "committed relationship").
im still waiting on my claim. i feel like im not gonna win. :\
Jul 8, 2017, 9:03 am
#295
Join Date: Jan 2017
Posts: 100
I have a quick question Im hoping someone can help me with. My wife and I are leaving for Europe tomorrow, I looked today and I realized she booked our flight to England where we will connect to the US. Basically we arrive in England AFTER the time our flight to the US leaves.
Im curious if my Sapphire Reserve will offer any protection for me in this situation since it now looks like I will need to book additional tickets for another time/day or at a minimum change our flight back to the US.
We were flying Jet2 which is a budget airline back to the UK so it doesn't look like they have any refund policy, the money is basically lost.
Any suggestions?
TIA
Im curious if my Sapphire Reserve will offer any protection for me in this situation since it now looks like I will need to book additional tickets for another time/day or at a minimum change our flight back to the US.
We were flying Jet2 which is a budget airline back to the UK so it doesn't look like they have any refund policy, the money is basically lost.
Any suggestions?
TIA
Jul 8, 2017, 9:35 am
#296
Join Date: Jun 2012
Posts: 3,383
I have a quick question Im hoping someone can help me with. My wife and I are leaving for Europe tomorrow, I looked today and I realized she booked our flight to England where we will connect to the US. Basically we arrive in England AFTER the time our flight to the US leaves.
Im curious if my Sapphire Reserve will offer any protection for me in this situation since it now looks like I will need to book additional tickets for another time/day or at a minimum change our flight back to the US.
We were flying Jet2 which is a budget airline back to the UK so it doesn't look like they have any refund policy, the money is basically lost.
Any suggestions?
TIA
Im curious if my Sapphire Reserve will offer any protection for me in this situation since it now looks like I will need to book additional tickets for another time/day or at a minimum change our flight back to the US.
We were flying Jet2 which is a budget airline back to the UK so it doesn't look like they have any refund policy, the money is basically lost.
Any suggestions?
TIA
If you booked a proper connection, but the airline moved the time around, you may qualify for trip interruption (probably not
What’s Not Covered
This is not an exhaustive list. Examples include:- Travel arrangements canceled or changed by a common carrier, tour operator, or any travel agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation
First, work with the both airlines to see if either can reschedule the flights. If not, you should pay for new tickets (probably the intraeurope ones should be cheaper)
Jul 9, 2017, 10:15 am
#297
Join Date: Feb 2009
Location: USA
Programs: Chase Sapphire Reserve, WFBF
Posts: 1,573
I have a quick question Im hoping someone can help me with. My wife and I are leaving for Europe tomorrow, I looked today and I realized she booked our flight to England where we will connect to the US. Basically we arrive in England AFTER the time our flight to the US leaves.
Im curious if my Sapphire Reserve will offer any protection for me in this situation since it now looks like I will need to book additional tickets for another time/day or at a minimum change our flight back to the US.
We were flying Jet2 which is a budget airline back to the UK so it doesn't look like they have any refund policy, the money is basically lost.
Any suggestions?
TIA
Im curious if my Sapphire Reserve will offer any protection for me in this situation since it now looks like I will need to book additional tickets for another time/day or at a minimum change our flight back to the US.
We were flying Jet2 which is a budget airline back to the UK so it doesn't look like they have any refund policy, the money is basically lost.
Any suggestions?
TIA
Your chances on this are likely close to nil. Is the connection all on one ticket, or on two tickets? If on one ticket, then the airline issuing the ticket is obligated to fix the problem for you (not the card company). If on two tickets, you are likely out of luck. You could always try, but there's a big difference between a delay and a mistake. You will find on FT many stories about the risks of booking a connection on separate tickets.
Jul 17, 2017, 3:40 pm
#298
Join Date: Aug 2011
Location: Sunnyvale, CA
Programs: Alaska MVPG, SPG Gold, HHonors Gold, CX Silver, Global Entry
Posts: 225
Trip Delay CSR, filed June 22, honored June 30
Delayed outbound from SYR to JFK, missed connection requiring an overnight in NYC. Expenses were hotel (Sheraton JFK), dinner, and a $50 charge to confirm a seat on the new Virgin flight the next morning. (I hope when Alaska is fully integrated, this fee gets waived for status passengers)
Reason for delay: told weather at airport. Contacted JetBlue customer service by phone two days later to ask for military excuse, agent had never heard of it so put me on hold to get a manager. Received email from manager indicating "weather and flight crew".
Expensed $308 June 22, claim honored at $258 June 30 (no details but I inferred the $50 confirmation cost was not covered). Called Chase to ask if confirmation charges always fall outside of "reasonable expenses"; for the purposes of trip delay protection, it appears they do. I was a bit disappointed in this as I was well under the $500 limit, but understand their application of the rules.
All in all, relatively straightforward first experience with this benefit.
Reason for delay: told weather at airport. Contacted JetBlue customer service by phone two days later to ask for military excuse, agent had never heard of it so put me on hold to get a manager. Received email from manager indicating "weather and flight crew".
Expensed $308 June 22, claim honored at $258 June 30 (no details but I inferred the $50 confirmation cost was not covered). Called Chase to ask if confirmation charges always fall outside of "reasonable expenses"; for the purposes of trip delay protection, it appears they do. I was a bit disappointed in this as I was well under the $500 limit, but understand their application of the rules.
All in all, relatively straightforward first experience with this benefit.
Jul 17, 2017, 8:24 pm
#299
Join Date: Nov 2016
Posts: 812
So my wife is getting hit by weather in CLT right now. She's flying on a work trip, but she paid with my CSR. She got diverted to another airport and it's looking like she's going to have to spend the night there, rather than her final destination. CLT was not the final destination.
She charged her hotel room at the final destination to my CSR as well. Since the delay was so late at night, the hotel is going to charge her for the full night. Will the travel insurance reimburse her for this charge, even though she is just my spouse, not an authorized user, and I am not traveling with her?
She charged her hotel room at the final destination to my CSR as well. Since the delay was so late at night, the hotel is going to charge her for the full night. Will the travel insurance reimburse her for this charge, even though she is just my spouse, not an authorized user, and I am not traveling with her?
Last edited by shimps1; Jul 17, 2017 at 8:39 pm
Jul 17, 2017, 9:26 pm
#300
Join Date: Sep 2014
Posts: 2,531
This doesn't matter -- what matters is you bought the plane tickets with the CSR and she's your spouse and she kept her receipts.
As long as she meets the other criteria (6 hours or overnight, it's a round-trip, CLT is not her place of residence, etc.), then yes. From the guide to benefits:
Will the travel insurance reimburse her for this charge, even though she is just my spouse, not an authorized user, and I am not traveling with her?
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”), your spouse, and your dependent children
under twenty-two (22) years of age are automatically covered when
a portion or the entire cost of the Common Carrier fare, is purchased
with your Chase credit card account (“Account”)
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”), your spouse, and your dependent children
under twenty-two (22) years of age are automatically covered when
a portion or the entire cost of the Common Carrier fare, is purchased
with your Chase credit card account (“Account”)