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 4, 2019, 2:11 pm
#856
Join Date: May 2018
Posts: 23
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... 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.
For Trip Cancellation, they are covered as long as they are 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. "
"Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion... Traveling Companion: an individual who has made advanced arrangements with you to travel together for all or part of the Covered Trip"
That's broad enough to cover any illness-rated cancellation.
Jan 7, 2019, 8:21 am
#857
Join Date: Aug 2014
Posts: 1,303
Have not read through the thread but do not email them receipts, upload yourself. I lost a week to this.
Jan 7, 2019, 10:30 am
#858
Join Date: Jan 2014
Location: NJ
Programs: United Silver, Hyatt, Marriott Gold, HHonors Gold, Amex Plat, Global Entry
Posts: 751
This is an interesting situation I may encounter which Ill share which may help others when it comes to trip coverage on the CSR, when booking a trip using UR points through travel portal:
I booked through Chase Portal a $725 ticket for this April on Hong Kong Airlines using 35,000 UR (at 1.5c) plus $200 USD = $725
This airline is now recently in the news for possible serious financial issues. I inquired with CSR would I be covered if they go out of business before April. I would be covered but because I used points I would only get a check for 1c a point (instead of the 1.5c/point I booked it under) plus the $200 (would get $350 + $200 = $550 back). So basically I lose out on .5c/point or $175. Chase said the 1c/point is the terms from the underwriters and doesnt matter if I used 1.5c in my booking.
Turns out I booked a refundable ticket that has a cancellation fee of $1400HKD ($178USD), but I would get my full 35,000 points back into my account plus $22 USD ($200 - $178). So in essence its basically a wash if I cancel now or file a claim if they go out of business.
I know I can just wait it out and take the flight if still around, but flying on a financially unstable airline is not a very alluring idea for me...
I booked through Chase Portal a $725 ticket for this April on Hong Kong Airlines using 35,000 UR (at 1.5c) plus $200 USD = $725
This airline is now recently in the news for possible serious financial issues. I inquired with CSR would I be covered if they go out of business before April. I would be covered but because I used points I would only get a check for 1c a point (instead of the 1.5c/point I booked it under) plus the $200 (would get $350 + $200 = $550 back). So basically I lose out on .5c/point or $175. Chase said the 1c/point is the terms from the underwriters and doesnt matter if I used 1.5c in my booking.
Turns out I booked a refundable ticket that has a cancellation fee of $1400HKD ($178USD), but I would get my full 35,000 points back into my account plus $22 USD ($200 - $178). So in essence its basically a wash if I cancel now or file a claim if they go out of business.
I know I can just wait it out and take the flight if still around, but flying on a financially unstable airline is not a very alluring idea for me...
Jan 7, 2019, 2:22 pm
#859
Join Date: Feb 2018
Posts: 182
The CSR guide to benefits states on page 12 of the PDF that you only get paid 1 cpp if the value of points redeemed is not shown (emphasis mine)
If any or all of the Covered Trip was paid for using redeemable Rewards, the Company will reimburse the Insured Person for Rewards used. The Company’s reimbursement shall equal the monetary value of the redemption through the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier up to the Benefit Amount.
If the monetary value of the redemption does not appear on the Insured Person’s itinerary or redemption confirmation issued by the Common Carrier, Rewards program manager, Tour Operator, Travel Agency, or Travel Supplier the Company will reimburse the Insured Person ($.01) per point redeemed up to the Insured Person’s Benefit Amount.
If the monetary value of the redemption does not appear on the Insured Person’s itinerary or redemption confirmation issued by the Common Carrier, Rewards program manager, Tour Operator, Travel Agency, or Travel Supplier the Company will reimburse the Insured Person ($.01) per point redeemed up to the Insured Person’s Benefit Amount.
Jan 7, 2019, 3:30 pm
#860
Join Date: Jan 2014
Location: NJ
Programs: United Silver, Hyatt, Marriott Gold, HHonors Gold, Amex Plat, Global Entry
Posts: 751
So that means then the info I got from CS was 1/2 wrong.... So if my itinerary receipt says "35.000 points - $525.00" .....then I will get the full $525.00 in a claim??
Jan 7, 2019, 3:36 pm
#861
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Between AUS, EWR, and YTO In a little twisty maze of airline seats, all alike.. but I wanna go home with the armadillo
Programs: CO, NW, & UA forum moderator emeritus
Posts: 35,432
ur refund you might need to point out what it says on page 12, but yes.
Jan 9, 2019, 11:51 pm
#862
Join Date: Apr 2002
Location: +61
Programs: SQ*PPS, QF-WP1 & LTG, VA-Gold, Marriott*LTT, Hilton*Gold, Accor*Platinum
Posts: 5,735
I imagine the answer is "yes", but couldn't find anything when searching the thread.
Let's say I paid for travel using a Sapphire Preferred card ending in -1234 (not the real digits).
My card changes (either expiry, or fraud update, or lost, or whatever).
Will I still be able get trip delay / cancellation insurance should I need it?
Let's say I paid for travel using a Sapphire Preferred card ending in -1234 (not the real digits).
My card changes (either expiry, or fraud update, or lost, or whatever).
Will I still be able get trip delay / cancellation insurance should I need it?
Jan 10, 2019, 11:46 am
#863
Join Date: Sep 2014
Posts: 2,531
I imagine the answer is "yes", but couldn't find anything when searching the thread.
Let's say I paid for travel using a Sapphire Preferred card ending in -1234 (not the real digits).
My card changes (either expiry, or fraud update, or lost, or whatever).
Will I still be able get trip delay / cancellation insurance should I need it?
Let's say I paid for travel using a Sapphire Preferred card ending in -1234 (not the real digits).
My card changes (either expiry, or fraud update, or lost, or whatever).
Will I still be able get trip delay / cancellation insurance should I need it?
Jan 11, 2019, 5:17 pm
#864
Join Date: Aug 2011
Posts: 18
CSR : Trip cancellation?
I was flying from SFO-DEL and then on different airline to BKK
My flight from SFO delayed by 9 hours caused me to miss my BKK flight, hence I had to cancel for partial refund.
I booked a different flight to go to BKK, and cancelled this one.
I just want the refund difference. Eg flight cost 500 USD, refund 150, so 350 USD is my claim for 3 people total. All tickets purchased with CSR
My flight from SFO delayed by 9 hours caused me to miss my BKK flight, hence I had to cancel for partial refund.
I booked a different flight to go to BKK, and cancelled this one.
I just want the refund difference. Eg flight cost 500 USD, refund 150, so 350 USD is my claim for 3 people total. All tickets purchased with CSR
Jan 11, 2019, 5:35 pm
#865
Join Date: Sep 2014
Posts: 2,531
I was flying from SFO-DEL and then on different airline to BKK
My flight from SFO delayed by 9 hours caused me to miss my BKK flight, hence I had to cancel for partial refund.
I booked a different flight to go to BKK, and cancelled this one.
I just want the refund difference. Eg flight cost 500 USD, refund 150, so 350 USD is my claim for 3 people total. All tickets purchased with CSR
My flight from SFO delayed by 9 hours caused me to miss my BKK flight, hence I had to cancel for partial refund.
I booked a different flight to go to BKK, and cancelled this one.
I just want the refund difference. Eg flight cost 500 USD, refund 150, so 350 USD is my claim for 3 people total. All tickets purchased with CSR
- You also have a good shot at covering any incidental (meal, hotel, taxi) you experienced either in SFO or in DEL through Trip Delay coverage. You'll have to read the wiki at the top of this post, or the guide to benefits, to see if applies. It also will not pay for new tickets, though.
Jan 15, 2019, 8:25 am
#866
Used to be 'flymanbeast'
Join Date: Jul 2011
Programs: Delta silver/marriot platinum
Posts: 2,795
Chase travel insurance question ( card downgraded)
I downgraded my CSR to the freedom card am I still covered for the flights previously purchased?
Jan 15, 2019, 8:34 am
#867
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The Reserve benefits booklet addresses account cancellation, but not downgrade. It's possible that you have the Reserve coverage, the Freedom coverage (if any), or no coverage. If it's important I would ask for a written clarification, rather than rely on anecdotal reports because the carrier might make a different decision from one case to another.
This benefit is provided to you as an eligible Cardholder at no
additional cost. The terms and conditions contained in this Guide to
Benefits may be modified by subsequent endorsements. Modifications
to these terms and conditions may be provided via additional Guide
to Benefits mailings, statement inserts, statement messages, or email
or other secure portal messaging vehicles. The benefits described in
this Guide will not apply to Cardholders whose accounts have been
suspended or canceled.
additional cost. The terms and conditions contained in this Guide to
Benefits may be modified by subsequent endorsements. Modifications
to these terms and conditions may be provided via additional Guide
to Benefits mailings, statement inserts, statement messages, or email
or other secure portal messaging vehicles. The benefits described in
this Guide will not apply to Cardholders whose accounts have been
suspended or canceled.
Jan 19, 2019, 3:02 pm
#868
Join Date: Oct 2018
Programs: Hyatt Globalist
Posts: 123
I booked a flight BOS to Cartagena connecting through JFK for Monday--with the storm coming through one leg of the flight was cancelled on Friday night, but I was able to rebook with JetBlue and just changed each flight for 2 days later. The only trouble lies with the hotels. I booked a hotel in Boston for Sunday night which is double the price on Tuesday and I booked a Hyatt in Cartagena using points -- one night is not available on points so I will have to pay out of pocket. Will both of these be eligible for reimbursement on my CSR trip insurance?
Jan 19, 2019, 4:26 pm
#869
Join Date: Sep 2014
Posts: 2,531
I booked a flight BOS to Cartagena connecting through JFK for Monday--with the storm coming through one leg of the flight was cancelled on Friday night, but I was able to rebook with JetBlue and just changed each flight for 2 days later. The only trouble lies with the hotels. I booked a hotel in Boston for Sunday night which is double the price on Tuesday and I booked a Hyatt in Cartagena using points -- one night is not available on points so I will have to pay out of pocket. Will both of these be eligible for reimbursement on my CSR trip insurance?
Trip Delay: Covers new expenses. Could cover your new hotel in Boston if you don't live there (though you might have to fight for it if BOS is the origin of your r/t journey). There is a report upthread linked to in the wiki where someone got hotel coverage at their origin airport during an overnight delay by pointing out they didn't live in the same city and thus their journey had begun (first leg by car), but they had to appeal to get it. They were also at the airport when they learned of the cancellation. I think you'll have a hard time with this, but filing a claim is free.
Also should (more easily) cover meals, taxis, etc. between the time of your cancelled flight and the time of your replacement flight. Max $500.
You could attempt to get your last two nights in Cartagena covered by submitting your original return flight and your replacement return flight, and a statement from the airline stating that the delay was due to weather [on your outbound flights], but that's not really what this insurance is meant to cover and I would not expect them to approve it.
Trip Cancellation/Interruption: Covers pre-paid expenses you can't get refunded. Would cover any hotel cancellation fees (if there are any) or non-refundable hotel charges. Doesn't sound like you had any change fees or anything unrefundable.
Jan 27, 2019, 8:10 am
#870
Join Date: Nov 2013
Programs: Delta diamond, SPG platinum, Hyatt diamond
Posts: 351
I have not been able to find the answer anywhere but figured someone who has had a claim might know. Do your expenses for the delay (hotel, food, etc) need to be on the Chase credit card that has the insurance for the delay or can you use any card.
Thanks!
Thanks!
Last edited by Jay00848; Jan 27, 2019 at 10:16 am Reason: Typo