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)
Sep 19, 2017, 12:31 pm
#421
Join Date: Dec 2004
Location: MSY
Programs: DL, AA, UA
Posts: 560
Hello.
I used my CSR to purchase two roundtrip DL MSY-JNB, and on a separate PNR, 2 multi-city SA JNB-CPT-SZK-JNB-TNR-JNB. I also paid for upgrades on JNB-CPT.
The MSY-ATL flight was delayed (mechanical, then weather, then diverted) and we missed the ATL-JNB, which then caused us to miss the JNB-CPT. In addition to losing our upgrade, we actually had to rebuy the entire SA itinerary, and we lost our first night's hotel, which was non-refundable.
I submitted a claim for the lost hotel night, for the lost upgrade, and the cost of re-buying the SA flights. But my claim was denied with the explanation that "benefits are not provided for pre-paid expenses". Wrong two ways: it directly contradicts the "Guide To Benefits", and not all my expenses were prepaid.
I called the customer service line, but the rep had no answers. When I asked to escalate, she put me on hold for 8+ minutes, then hung up.
What's my next step?
I used my CSR to purchase two roundtrip DL MSY-JNB, and on a separate PNR, 2 multi-city SA JNB-CPT-SZK-JNB-TNR-JNB. I also paid for upgrades on JNB-CPT.
The MSY-ATL flight was delayed (mechanical, then weather, then diverted) and we missed the ATL-JNB, which then caused us to miss the JNB-CPT. In addition to losing our upgrade, we actually had to rebuy the entire SA itinerary, and we lost our first night's hotel, which was non-refundable.
I submitted a claim for the lost hotel night, for the lost upgrade, and the cost of re-buying the SA flights. But my claim was denied with the explanation that "benefits are not provided for pre-paid expenses". Wrong two ways: it directly contradicts the "Guide To Benefits", and not all my expenses were prepaid.
I called the customer service line, but the rep had no answers. When I asked to escalate, she put me on hold for 8+ minutes, then hung up.
What's my next step?
Last edited by jg70124; Sep 19, 2017 at 12:46 pm
Sep 19, 2017, 1:38 pm
#422
Join Date: Sep 2014
Posts: 2,531
I submitted a claim for the lost hotel night, for the lost upgrade, and the cost of re-buying the SA flights. But my claim was denied with the explanation that "benefits are not provided for pre-paid expenses". Wrong two ways: it directly contradicts the "Guide To Benefits", and not all my expenses were prepaid.
Under Trip Interruption, you should be able to get reimbursed for the SA tickets you didn't use, if you can convince them the delay was due to severe weather (and not mechanical issues). If there's any residual value on the tickets, you might only get reimbursed for only the cancellation fee / change fee.
Under Trip Delay, you should be able to get any meals/hotels you had along the way covered, if they were incurred because of the delay (but not any new onward travel, e.g. SA tickets).
I'm not sure anything covers your hotel, but did you try calling the hotel and saying your flight was delayed? Even if it's against policy, there are a lot of reports on here of people getting "non-refundable" rooms refunded with proof of flight delay.
Did you submit under Trip Delay or Trip Interruption?
Sep 19, 2017, 2:49 pm
#423
Join Date: Dec 2004
Location: MSY
Programs: DL, AA, UA
Posts: 560
What benefit are you trying to use? Trip Delay doesn't cover pre-paid expenses ("Also, prepaid expenses are not covered."). Trip Cancellation and Trip Interruption cover only pre-paid expenses.
Under Trip Interruption, you should be able to get reimbursed for the SA tickets you didn't use, if you can convince them the delay was due to severe weather (and not mechanical issues). If there's any residual value on the tickets, you might only get reimbursed for only the cancellation fee / change fee.
Under Trip Delay, you should be able to get any meals/hotels you had along the way covered, if they were incurred because of the delay (but not any new onward travel, e.g. SA tickets).
I'm not sure anything covers your hotel, but did you try calling the hotel and saying your flight was delayed? Even if it's against policy, there are a lot of reports on here of people getting "non-refundable" rooms refunded with proof of flight delay.
Did you submit under Trip Delay or Trip Interruption?
Under Trip Interruption, you should be able to get reimbursed for the SA tickets you didn't use, if you can convince them the delay was due to severe weather (and not mechanical issues). If there's any residual value on the tickets, you might only get reimbursed for only the cancellation fee / change fee.
Under Trip Delay, you should be able to get any meals/hotels you had along the way covered, if they were incurred because of the delay (but not any new onward travel, e.g. SA tickets).
I'm not sure anything covers your hotel, but did you try calling the hotel and saying your flight was delayed? Even if it's against policy, there are a lot of reports on here of people getting "non-refundable" rooms refunded with proof of flight delay.
Did you submit under Trip Delay or Trip Interruption?
I did call the hotel, no dice. (It was booked by a tour company).
What if there was no "unused" portion of the SA ticket? I believe the travel agent actually changed the ticket, which incurred a giant upcharge because it was last minute. From what you're saying I might have been better off buying a brand new ticket instead.
Sep 19, 2017, 3:47 pm
#424
Join Date: Sep 2014
Posts: 2,531
(If you change old tickets into new tickets, it covers the change fee, but not any difference in fare).
It probably doesn't matter if you change your tickets or buy new ones, you're still out the difference in fare
Example 1: Your SA tickets cost $1,000 and have no value if cancelled (e.g. ULCC, United Basic Economy, etc.). You miss your flights for a covered reason, and buy brand-new last-minute tickets for $5,000. This insurance pays you $1,000 for the flights you didn't take. The new flights are on you. You are out $4,000.
Example 2: Your SA tickets cost $1,000 and have a $200 change/cancel fee. You miss your flights for a covered reason, and you change your tickets to new tickets that cost $5,000. You pay a $200 change fee plus $4,000 in new fare = $4,200. This insurance pays you $200 for the change fee. You are out $4,000.
(Of course the insurance company hopes it's Example 2!)
Sep 20, 2017, 10:40 am
#425
Join Date: Sep 2000
Location: New York, New York
Programs: AA Gold, Alaska MVP; Free Agent Super Duper Diamond Treasure Chest ;)
Posts: 4,682
Paid for air ticket with my CSR. One bag (of two) arrived six days later. Called CSR to confirm what was required-- was told that we were covered up to $100 a day incidentals unto five days. Filled out all paperwork, sent receipts. Were told we will hear within five days. No response. Phone agents don't know why either. They feel all necessary paper work is completed.
Anyone else have any Delayed Baggage experience with the Chase Sapphire Reserve?
Anyone else have any Delayed Baggage experience with the Chase Sapphire Reserve?
Sep 20, 2017, 11:02 am
#426
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,588
Paid for air ticket with my CSR. One bag (of two) arrived six days later. Called CSR to confirm what was required-- was told that we were covered up to $100 a day incidentals unto five days. Filled out all paperwork, sent receipts. Were told we will hear within five days. No response. Phone agents don't know why either. They feel all necessary paper work is completed.
Anyone else have any Delayed Baggage experience with the Chase Sapphire Reserve?
Anyone else have any Delayed Baggage experience with the Chase Sapphire Reserve?
Sep 20, 2017, 11:21 am
#427
Join Date: Sep 2000
Location: New York, New York
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I did not. I was told Malaysia Airline doesn't compensate for baggage delay, only lost baggage. I communicated that to the CSR claims people, they accepted it and this reason for not filing a claim with the airline appears on my online claim form.
Sep 20, 2017, 11:49 am
#428
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Location: Not here; there!
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http://www.mavcom.my/en/consumer/los...layed-baggage/
A Google search also turns up an MH insurance claim form that covers -- among other things -- delayed baggage.
Sep 20, 2017, 2:21 pm
#429
Join Date: Sep 2000
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You may have been given incorrect information:
http://www.mavcom.my/en/consumer/los...layed-baggage/
A Google search also turns up an MH insurance claim form that covers -- among other things -- delayed baggage.
http://www.mavcom.my/en/consumer/los...layed-baggage/
A Google search also turns up an MH insurance claim form that covers -- among other things -- delayed baggage.
Ah, yes, Thank you.
So, I just spoke to the smart one- aka the wife- who said that from her conversations with MH (and JL, the operating carrier), MH's compensation for delayed baggage is limited to customers who are not arriving at the airport of their residence. Meaning, my baggage was delayed arriving at JFK which is my home airport, therefore I am not eligible for compensation, unless the bag is lost.
AFAIK, CSR has no such condition for their advertised benefit for delayed baggage. Their phone representatives have not mentioned anything to the effect either.
Sep 20, 2017, 2:35 pm
#430
Join Date: Sep 2000
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Reimbursement is in excess of any travel insurance, or reimbursement from the occupancy provider or common carrier.
https://www.chase.com/card-benefits/...reserve/travel
Last edited by knit-in; Sep 20, 2017 at 3:01 pm Reason: Edited to change link from Sapphire Preferred to Sapphire Reserve
Sep 20, 2017, 2:45 pm
#431
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The following is from Chase's webpage on Baggage Delay Insurance. My reading comprehension might be dodgy here, or possibly that English is not my first language is throwing me off, but doesn't this mean the opposite of the quote above?
Reimbursement is in excess of any travel insurance, or reimbursement from the occupancy provider or common carrier.
https://www.chase.com/content/chasec...rance-500.html
Reimbursement is in excess of any travel insurance, or reimbursement from the occupancy provider or common carrier.
https://www.chase.com/content/chasec...rance-500.html
Sep 20, 2017, 2:56 pm
#432
Join Date: Sep 2000
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I am going to fill out the MH claim form and email it to both MH and CSR, in any case.
Edited to add: The claims form on the MH website that comes up with a google search has been "spring cleaned".
https://www.malaysiaairlines.com/hq/en/404.html
Sep 20, 2017, 3:05 pm
#433
Join Date: Sep 2014
Posts: 2,531
The following is from Chase's webpage on Baggage Delay Insurance. My reading comprehension might be dodgy here, or possibly that English is not my first language is throwing me off, but doesn't this mean the opposite of the quote above?
Reimbursement is in excess of any travel insurance, or reimbursement from the occupancy provider or common carrier.
https://www.chase.com/content/chasec...rance-500.html
Reimbursement is in excess of any travel insurance, or reimbursement from the occupancy provider or common carrier.
https://www.chase.com/content/chasec...rance-500.html
E.g. if you make $200 in essential purchases but the carrier will only cover $150, this insurance will pay you $50, not $200.
It's a little ambiguous whether you must submit a claim, or whether it's the case that if you submit a claim they will deduct that payment from what you are due under the card insurance.
Looks like in this case the card insurance is accepting a good reason for not submitting a claim in lieu of an actual denial. Same thing has happened with my Trip Delay claims -- there is a spot to upload carrier settlement or denial but my delay was due to weather where the carrier wouldn't be liable, so they didn't require that.
Sep 20, 2017, 3:24 pm
#434
Join Date: Sep 2000
Location: New York, New York
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Posts: 4,682
"Excess" (like most words) has a specific meaning in the insurance world. I think that here it just means they'll reduce your payment by the amount you already were paid by other insurance / the carrier.
E.g. if you make $200 in essential purchases but the carrier will only cover $150, this insurance will pay you $50, not $200.
It's a little ambiguous whether you must submit a claim, or whether it's the case that if you submit a claim they will deduct that payment from what you are due under the card insurance.
Looks like in this case the card insurance is accepting a good reason for not submitting a claim in lieu of an actual denial. Same thing has happened with my Trip Delay claims -- there is a spot to upload carrier settlement or denial but my delay was due to weather where the carrier wouldn't be liable, so they didn't require that.
E.g. if you make $200 in essential purchases but the carrier will only cover $150, this insurance will pay you $50, not $200.
It's a little ambiguous whether you must submit a claim, or whether it's the case that if you submit a claim they will deduct that payment from what you are due under the card insurance.
Looks like in this case the card insurance is accepting a good reason for not submitting a claim in lieu of an actual denial. Same thing has happened with my Trip Delay claims -- there is a spot to upload carrier settlement or denial but my delay was due to weather where the carrier wouldn't be liable, so they didn't require that.
I am just going to go ahead and upload the pdf from MH that states:
Above compensation is entitled to a passenger when his/her baggage is delayed provided:
• If the passenger is a non-resident at the station where his/her baggage is not received. This means it applies to away-from-home passengers only.
Hopefully, that should suffice.