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)
Jan 17, 2018, 12:48 pm
#571
Join Date: Apr 2016
Location: SFO
Posts: 59
I think she was misinformed, although i think i see how she arrived at that conclusion. Trip delay insurance is all inclusive of everything, and under a single claim. you can't make additional claims for additional delays/cancellations on the trip beyond the one claim for $500/pp. So, true, the 3 hour delay wouldn't trigger any coverage for the first flight, but i don't see why the second flight wouldn't trigger coverage since it caused an overnight stay. That's a pretty basic example of a covered claim under the trip delay insurance coverage.
I would say the claim should be covered from the second flight delays and on, up to $500/pp ( and less any hotel/meal vouchers from the airline ).
And just to confirm...this was part of a roundtrip ticket to/from your primary residence, correct?
I would say the claim should be covered from the second flight delays and on, up to $500/pp ( and less any hotel/meal vouchers from the airline ).
And just to confirm...this was part of a roundtrip ticket to/from your primary residence, correct?
Regardless, I'll be submitting the claim as I believe she is mistaken, so we'll see. It was the return flight going home, but the trip was two one-ways (didnt even mention this to the rep, but should not be an issue based off this thread).
To get more clarity, I called the benefits admin for my BoA Prem card (same administrator, similar trip delay) to see how this situation would play out there had I used that card, thinking it may have been a one time confusion with this first rep - here I was told the same thing, however I noticed BoA doesn't have the overnight language. Not many stories of using this trip delay benefit yet but figured I'd gather some DPs.
Jan 17, 2018, 5:52 pm
#572
Join Date: Mar 2016
Posts: 398
It's like you knew exactly what I responded with when speaking with her. Her response to this was that my connecting flight was not delayed, and that it was a misconnect, and misconnects are not covered under trip delay.
Regardless, I'll be submitting the claim as I believe she is mistaken, so we'll see. It was the return flight going home, but the trip was two one-ways (didnt even mention this to the rep, but should not be an issue based off this thread).
To get more clarity, I called the benefits admin for my BoA Prem card (same administrator, similar trip delay) to see how this situation would play out there had I used that card, thinking it may have been a one time confusion with this first rep - here I was told the same thing, however I noticed BoA doesn't have the overnight language. Not many stories of using this trip delay benefit yet but figured I'd gather some DPs.
Regardless, I'll be submitting the claim as I believe she is mistaken, so we'll see. It was the return flight going home, but the trip was two one-ways (didnt even mention this to the rep, but should not be an issue based off this thread).
To get more clarity, I called the benefits admin for my BoA Prem card (same administrator, similar trip delay) to see how this situation would play out there had I used that card, thinking it may have been a one time confusion with this first rep - here I was told the same thing, however I noticed BoA doesn't have the overnight language. Not many stories of using this trip delay benefit yet but figured I'd gather some DPs.
After just delaying with a EU 261 claim, it is interesting that they are very clear that delay references your arrival time, not your departure time. Looking at the Chase language, they don't specify arrival or departure. Therefore, was your overall itinerary delayed as a result of carrier operations and an overnight stay? Yes. So, i'm not really sure how Chase could deny the claim based on the information that you've given us here. They would have to change the language of the policy to deny a claim like this, and even then, you're claim should stand as whatever language was in place at the time of the loss should follow.
Jan 22, 2018, 12:31 pm
#573
Join Date: Mar 2012
Posts: 315
Sharing of points?
I bought reward tickets with Chase UR points, am I covered? From the CSR guide: "Covered Trip also includes covered trips awarded from frequent flier or points programs provided that all of the miles or points were accumulated from charges on the Insured Person’s Account."
Does this mean that if you share points between people in your household, as Chase allows, you might not be covered?
Does this mean that if you share points between people in your household, as Chase allows, you might not be covered?
Jan 22, 2018, 12:41 pm
#574
Join Date: Mar 2012
Posts: 315
I've been looking for an answer to the round trip issue. The wiki says you just have to return home within 365 days, but one ways and open jaws are OK. So example, all separate one way tickets: Oct 1 SUN-LHR, Oct 2 LHR-BCN, Oct 19 LIS-LAX, Oct 20 LAX-KOA, Dct 15 KOA-SUN. This does not negate travel coverage? I have been so unsure based on the wording in the benefits guide that I have continued to buy travel insurance, and have been considering switching my card to AmEx Platinum.
Thanks!
Thanks!
Jan 22, 2018, 12:45 pm
#575
Join Date: Mar 2012
Posts: 315
Same here, but only 5 months. About once a month they email me and ask for something I already gave them. Then I hear nothing else for another month. It seems to me based on this one claim that their strategy is to wear you down until you give up. I'm shocked so many people get so many claims paid. Are there different claims processes for different things?
Jan 22, 2018, 12:58 pm
#577
Join Date: Sep 2014
Posts: 2,531
I've been looking for an answer to the round trip issue. The wiki says you just have to return home within 365 days, but one ways and open jaws are OK. So example, all separate one way tickets: Oct 1 SUN-LHR, Oct 2 LHR-BCN, Oct 19 LIS-LAX, Oct 20 LAX-KOA, Dct 15 KOA-SUN. This does not negate travel coverage? I have been so unsure based on the wording in the benefits guide that I have continued to buy travel insurance, and have been considering switching my card to AmEx Platinum.
Thanks!
Thanks!
Trip Cancellation / Interruption have a 60-day requirement (not 365), and because the cap is $10,000 instead of $500 they may be more strict. But as long as it is a round-trip (return to your home within 60 days) and you can document that, you should be fine. It does not need to be a round-trip ticket or a simple two-city itinerary.
Jan 22, 2018, 1:00 pm
#578
Join Date: Sep 2014
Posts: 2,531
Trip Delay is 365 days. Trip Cancellation and Trip Interruption are 60 days. Many questions are answered in the wiki! Or read the guide to benefits.
Jan 23, 2018, 10:44 am
#579
Join Date: Jun 2006
Location: MSY
Programs: DL
Posts: 50
Question regarding upcoming plan:
Mom is booking a 4K guided vacation to Canada later this year. $500 deposit due now. remainder due in a month.
I have the Reserve and just read the benefit book cover to cover. Interested in the trip cancellation coverage.
If I put the deposit on my card.....a) is she covered if the trip is only for her and not for me. She appears to fit the criteria as an immediate family member but didn't know if I, the cardholder, had to travel as well and b) would trip cancellation cover the entire cost of the trip (4K) if only a portion is paid with the card?
Reading the legalese it appears so but wanted to check before we went that route. And yes, I'm working on getting her own Reserve.
Mom is booking a 4K guided vacation to Canada later this year. $500 deposit due now. remainder due in a month.
I have the Reserve and just read the benefit book cover to cover. Interested in the trip cancellation coverage.
If I put the deposit on my card.....a) is she covered if the trip is only for her and not for me. She appears to fit the criteria as an immediate family member but didn't know if I, the cardholder, had to travel as well and b) would trip cancellation cover the entire cost of the trip (4K) if only a portion is paid with the card?
Reading the legalese it appears so but wanted to check before we went that route. And yes, I'm working on getting her own Reserve.
Jan 23, 2018, 11:56 am
#580
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
Page 16:
Page 12:
I find the wording of the paragraph on page 12 ambiguous. It seems to say that we can use the card to pay any amount not paid with miles/points, but it doesn't really address the possibility of paying with another card or by check. However, it also does not cap the payment based on the amount paid with the card.
Are my Immediate Family Members covered if I am not traveling with them?
Yes. As long as you have charged the travel arrangements to your card, the Company will pay the corresponding benefit regardless of whether you are traveling with them, as subject to the terms and conditions of this description of coverage
Yes. As long as you have charged the travel arrangements to your card, the Company will pay the corresponding benefit regardless of whether you are traveling with them, as subject to the terms and conditions of this description of coverage
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
Jan 23, 2018, 12:47 pm
#581
Join Date: Mar 2012
Posts: 315
Trip Cancellation / Interruption have a 60-day requirement (not 365), and because the cap is $10,000 instead of $500 they may be more strict. But as long as it is a round-trip (return to your home within 60 days) and you can document that, you should be fine. It does not need to be a round-trip ticket or a simple two-city itinerary.
But in my example, i am NOT back to the same location in under 60 days. However, I see a round trip requirement under Trip Delay, but not under Trip Cancellation/Interruption. Am I missing it? In my case my "trip" is less than 60 days, I am just returning to a second home instead of the primary home I started from. It is more than 60 days total before I get back to my primary home. In seems to boil down to the RT requirement, so where do you see that for TC/I?
Emergency Medical also does not have a round trip requirement that I can see, except that under claims it says you should provide a copy of your round trip ticket. So that is unclear as well.
But in my example, i am NOT back to the same location in under 60 days. However, I see a round trip requirement under Trip Delay, but not under Trip Cancellation/Interruption. Am I missing it? In my case my "trip" is less than 60 days, I am just returning to a second home instead of the primary home I started from. It is more than 60 days total before I get back to my primary home. In seems to boil down to the RT requirement, so where do you see that for TC/I?
Emergency Medical also does not have a round trip requirement that I can see, except that under claims it says you should provide a copy of your round trip ticket. So that is unclear as well.
Jan 23, 2018, 1:27 pm
#582
Join Date: Sep 2014
Posts: 2,531
Trip Cancellation / Interruption have a 60-day requirement (not 365), and because the cap is $10,000 instead of $500 they may be more strict. But as long as it is a round-trip (return to your home within 60 days) and you can document that, you should be fine. It does not need to be a round-trip ticket or a simple two-city itinerary.
But in my example, i am NOT back to the same location in under 60 days. However, I see a round trip requirement under Trip Delay, but not under Trip Cancellation/Interruption. Am I missing it? In my case my "trip" is less than 60 days, I am just returning to a second home instead of the primary home I started from. It is more than 60 days total before I get back to my primary home. In seems to boil down to the RT requirement, so where do you see that for TC/I?
Emergency Medical also does not have a round trip requirement that I can see, except that under claims it says you should provide a copy of your round trip ticket. So that is unclear as well.
But in my example, i am NOT back to the same location in under 60 days. However, I see a round trip requirement under Trip Delay, but not under Trip Cancellation/Interruption. Am I missing it? In my case my "trip" is less than 60 days, I am just returning to a second home instead of the primary home I started from. It is more than 60 days total before I get back to my primary home. In seems to boil down to the RT requirement, so where do you see that for TC/I?
Emergency Medical also does not have a round trip requirement that I can see, except that under claims it says you should provide a copy of your round trip ticket. So that is unclear as well.
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
• 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
If you're submitting a claim based on a trip lasting less than 60 days that doesn't touch your primary residence, good luck. Please report back here what happens!
For Common Carrier Travel Accident Insurance, there is no round-trip requirement. For 24 Hour Travel Accident Insurance, coverage begins on the departure date and is continuous until the return date, for up to 30 days. For trips over 30 days, it's in effect for 30 days and then again for the return portion of your trip. I agree this is all really sloppy wording. For instance, it doesn't say what happens if you have a one-way ticket. Covered for 30 days or no?
Jan 26, 2018, 12:23 pm
#583
Join Date: Dec 2001
Location: Carlsbad,CA USA
Programs: Marriott Bonvoy Titanuim/Lifetime Platinum, Hilton Gold, United Silver
Posts: 1,534
Chase Reserve Trip Cancellation when using Points
I booked a one way plane flight for my wife using Ultimate Reward Points from my Chase Sapphire Card. I had to cancel her trip due to an accident of a family member.
I thought I was covered when using points but one of the documents the claim is asking for is the monthly billing statement showing the charge. Since there was no charge billed to my credit card statement I have nothing to send. I was wondering if other people have filed a claim for reimbursement when points were used and if so got paid. How did you explain not having a billing statement showing the charge?
thanks
I thought I was covered when using points but one of the documents the claim is asking for is the monthly billing statement showing the charge. Since there was no charge billed to my credit card statement I have nothing to send. I was wondering if other people have filed a claim for reimbursement when points were used and if so got paid. How did you explain not having a billing statement showing the charge?
thanks
Jan 26, 2018, 2:36 pm
#584
Join Date: Sep 2014
Posts: 2,531
I booked a one way plane flight for my wife using Ultimate Reward Points from my Chase Sapphire Card. I had to cancel her trip due to an accident of a family member.
I thought I was covered when using points but one of the documents the claim is asking for is the monthly billing statement showing the charge. Since there was no charge billed to my credit card statement I have nothing to send. I was wondering if other people have filed a claim for reimbursement when points were used and if so got paid. How did you explain not having a billing statement showing the charge?
thanks
I thought I was covered when using points but one of the documents the claim is asking for is the monthly billing statement showing the charge. Since there was no charge billed to my credit card statement I have nothing to send. I was wondering if other people have filed a claim for reimbursement when points were used and if so got paid. How did you explain not having a billing statement showing the charge?
thanks
Jan 27, 2018, 6:57 am
#585
Join Date: Nov 1999
Location: PVG
Programs: UA 1K 1MM, Hilton Silver, Marriott Gold
Posts: 318
I booked a one way plane flight for my wife using Ultimate Reward Points from my Chase Sapphire Card. I had to cancel her trip due to an accident of a family member.
I thought I was covered when using points but one of the documents the claim is asking for is the monthly billing statement showing the charge. Since there was no charge billed to my credit card statement I have nothing to send. I was wondering if other people have filed a claim for reimbursement when points were used and if so got paid. How did you explain not having a billing statement showing the charge?
thanks
I thought I was covered when using points but one of the documents the claim is asking for is the monthly billing statement showing the charge. Since there was no charge billed to my credit card statement I have nothing to send. I was wondering if other people have filed a claim for reimbursement when points were used and if so got paid. How did you explain not having a billing statement showing the charge?
thanks
I believe either Card Benefit Services or Chase can initiate the conference call, because one Card Benefit Services representative informed me that my claims examiner had attempted to confirm the points redemption information directly was Chase, but was not able to because I needed to be on the line. So after this representative told me to call Ultimate Rewards to get the "points redemption summary," I did call Ultimate Rewards, who transferred me to a "Chase department that specializes in insurance claims," and that representative told me that what Card Benefit Services was requesting did not exist, and he ended up being the one who initiated the conference call with Card Benefit Services, and we resolved the matter as explained above.
Sorry for this longwinded reply, but the situation was a bit confusing to me and I spent about an hour on the phone resolving it, so I hope this info can be useful to others. Also note that I had originally submitted my emailed travel confirmation from Ultimate Rewards showing number of points redeemed and for what specific item, and the dates, but I understand this was not accepted because it didn't actually show the last four digits of my account number.