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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 Aug 8, 2017, 1:15 pm
  #331  
 
Join Date: Aug 2012
Posts: 432
Datapoint from first claim

Filed my first ever claim using CSR trip delay and positive experience throughout. Was flying United and connecting in EWR during stormy weekend and was rebooked. I specifically asked for a morning flight as didn't want to arrive at my next connection at 1AM, so after getting that re-issued, gathered all the documentation I needed. Few points of note:
  • used amex for hotel, uber, and toiletries I purchased and got extra credit through an amex offer for the hotel I booked.
  • didn't get an official excuse from United, but screenshots from FlightAware and Google showing hte delay was sufficient
  • Took just sevenbusiness days from date of delay which was same date I filed claim
  • I opened claim online, and never spoke to anyone over phone except to checks status of claim after five days
  • This was just a one-way flight, I booked a 'return' flight on Southwest and canceled it later
  • Trip was booked using KrisFlyer points, so just $6 SGD paid, and was booked two days before departure, before my statement had cut, so a screenshot of the charge posting was sufficient.
  • Got the claim approval email

Claim paid out $391 total (uber, hotel, uber eats, toiletries from convenience store). Was surprised I wasn't asked for any additional documentation either, and that it processed so quickly. ^

Great experience overall, and will definitely be putting all travel purchases on this card given this awesome benefit.
cardinalkid1891 is offline  
Old Aug 8, 2017, 7:04 pm
  #332  
 
Join Date: Feb 2007
Location: Malibu, CA
Programs: AA CK / Marriott Worthless Ambassador
Posts: 1,158
Roundtrip

So the question I have is, did you buy your "return "trip after the delay initiated, because you need to have booked a return trip to get this benefit? I'm just trying to learn how to use this card. Thanks
JBauer is offline  
Old Aug 10, 2017, 8:53 am
  #333  
 
Join Date: Apr 2014
Location: DC
Posts: 360
Originally Posted by JBauer
So the question I have is, did you buy your "return "trip after the delay initiated, because you need to have booked a return trip to get this benefit? I'm just trying to learn how to use this card. Thanks
Also have the same question. The thought of booking dummy refundable returns to get the insurance never occurred to me (but is a great idea!).
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Old Aug 10, 2017, 11:34 am
  #334  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by mikex163
Also have the same question. The thought of booking dummy refundable returns to get the insurance never occurred to me (but is a great idea!).
Is it? Or is it insurance fraud? Booking a return trip that you eventually cancel because plans change seems fine (esp if you do eventually return to your city of residence); booking a return trip you never intend to take and cancelling immediately after filing a claim seems problematic.

The benefit guide says it covers round trips where "departing from and eventually returning to your primary residence" within 365 days. It doesn't say you have to have tickets; it says you must leave and return within a year.

But it also says you have to initiate a claim within 60 days and file all paperwork within 100 days, so on a long trip they expect you to file this claim before your return leg takes place.

I don't see any reports on this thread of people getting denied for being on one-way trips, as long as the delay occurred not in their city of residence. Has anyone failed to supply return-trip ticket info and been denied?
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Old Aug 10, 2017, 12:32 pm
  #335  
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Originally Posted by mikex163
Also have the same question. The thought of booking dummy refundable returns to get the insurance never occurred to me (but is a great idea!).
Smells like insurance fraud when the only purpose of buying the "return" is to claim insurance.
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Old Aug 12, 2017, 2:14 pm
  #336  
 
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Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
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I'm reading competing information online about coverage for award tix and am hoping for some clarification. I used CSR to charge the taxes/fees on two OW award tix (one using DL points and the other CX points). Neither of these points were earned with UR/CSR. Reading the terms, it sounds like only award tix booked with either UR directly or UR via a transfer partner of Chase are eligible for the insurance benefits. Am I reading this correctly?
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Old Aug 14, 2017, 7:48 am
  #337  
 
Join Date: Aug 2012
Posts: 432
Originally Posted by Stgermainparis
I'm reading competing information online about coverage for award tix and am hoping for some clarification. I used CSR to charge the taxes/fees on two OW award tix (one using DL points and the other CX points). Neither of these points were earned with UR/CSR. Reading the terms, it sounds like only award tix booked with either UR directly or UR via a transfer partner of Chase are eligible for the insurance benefits. Am I reading this correctly?
I booked my ticket with KrisFlyer points not earned with Chase (from MR & flying) and had successful claim. Had a colleague with a successful claim on AA flights booked through Iberia avios. There's really no way for them to know, but I don't know of any denied claims because of this reason.
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Old Aug 14, 2017, 12:11 pm
  #338  
 
Join Date: Aug 2000
Location: Exile
Posts: 15,656
Originally Posted by B747-437B
Thanks for the advice. I've gone ahead and started a delayed baggage claim on the website now. The claim form actually allows you to specify how many people you are claiming on behalf of so I opened the claim in my name and stated it was for 2 people. I have most of the documentation already for the delayed baggage claim, so I've submitted everything other than the final settlement (if any) from Turkish Airlines.
To wrap this up, after much back and forth and confusion from the claims administrator about currency and exchange rates (expenses incurred in Polish Zloty, partial claim paid by Turkish Airlines in Euro, remainder to be paid by Chase in US Dollars), they have mailed me a check for the $89.54 balance after Turkish Airlines' settlement offer. Took approx. 6 weeks from initial claim to final settlement.
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B747-437B is offline  
Old Aug 15, 2017, 1:37 am
  #339  
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Buying Award Tickets on Chase - Travel Protection In Place

Hi,

When you buy Award Tickets you have to pay the fees (often only $5).

If I do that purchase on my chase card does it "count" as paying for the airline ticket and hence all the protections associated with the card in place (i.e. travel and cancelation insurance).


Thanks!
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Old Aug 15, 2017, 11:53 am
  #340  
mia
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Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Originally Posted by inpd
... my chase card ...
Which card(s) do you intend to use?
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Old Aug 15, 2017, 1:13 pm
  #341  
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Chase mileage plus for business

Originally Posted by mia
Which card(s) do you intend to use?
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Old Aug 15, 2017, 1:31 pm
  #342  
mia
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Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Originally Posted by inpd
Chase mileage plus for business
I "think" the benefits guide is here:

https://www.chasebenefits.com/unitedbus10337

Begin reading on page 7.
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Old Aug 15, 2017, 4:27 pm
  #343  
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Originally Posted by mia
I "think" the benefits guide is here:

https://www.chasebenefits.com/unitedbus10337

Begin reading on page 7.
I understand the benefits, my question is if I pay the taxes on a ticket do those benefits apply. Since its an award ticket there is no purchase price.
inpd is offline  
Old Aug 15, 2017, 5:53 pm
  #344  
mia
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Join Date: Jun 2003
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Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Originally Posted by inpd
... my question is if I pay the taxes on a ticket do those benefits apply. ....
This is explicitly addressed in the document. For example, in the Trip Cancellation section I see:

Covered Trip means any pre-paid tour, trip or vacation when some
portion of the cost for such travel arrangements less any redeemable
frequent flyer miles, points, coupons or certificates, or other types of
redeemable Rewards has been charged to your Account:

• while the insurance is in effect
• to a destination of greater than one (1) mile from your
primary residence
• and is for a time period that doesn’t exceed sixty (60) days
in duration
Rewards means points, miles, cash Rewards, or any other type
of redeemable Rewards, provided that all Rewards have been
accumulated through use of a Rewards program sponsored by
Chase Bank USA, N.A. and/or its affiliates.

Make sure you understand the benefits. If you cancel an award ticket the miles can typically be redeposited. The insurance should cover the redeposit fee. If not, the policy stipulates a fixed value for points. Likewise, if you need to change a ticket the insurance should cover the change fee, but not the fare difference, and they won't buy you a new ticket if you miss a connection.

Last edited by mia; Aug 15, 2017 at 6:06 pm
mia is offline  
Old Aug 18, 2017, 6:29 am
  #345  
 
Join Date: Jun 2009
Posts: 2,135
Guys - two questions
1) Does the card cover for trip interruption/cancelation if it's an award seat and only taxes were paid with card
2) Does it cover cancelation fees for redeposit of miles fees - it's an aadvantage ticket that's going to cost me about $500 because of multiple PNR's

Thanks
sam007 is offline  


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