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 27, 2019, 9:56 am
#871
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
Jan 28, 2019, 9:20 am
#872
Join Date: Aug 2014
Posts: 239
I am currently looking at being possibly delayed in Detroit due to the storm. My situation is a little complicated and the benefits specialist wasn't really able to give me an answer other than "file a claim and the examiner will decide whether it is eligible"
(1) Purchased Southwest flight DTW > STL > LAX with points, flying out 1/28/19 at 7:30 p.m.
(2) Heard about the impending storm and decided to preemptively change flight to DTW > ATL > LAX, flying out 1/28/19 at 6:55 a.m. to try to beat the storm
(3) Southwest then cancels DTW > ATL > LAX and ask me to select another flight. The only available flight is my original one: DTW > STL > LAX at 7:30 p.m.
Technically, the DTW >STL>LAX flight is not the same ticket # as my original ticket # purchased with the CSP. But now the itinerary is the same. If my flight tonight is cancelled and I have to rebook for tomorrow or later (likely scenario), is it eligible for trip delay insurance? A benefits specialist told me after I changed my flight to DTW>ATL>LAX that my itinerary is no longer eligible for trip delay insurance since it is not the same itinerary I purchased with the card. Now it's back to the "same" itinerary (albeit, different ticket #s ) and I'm uncertain whether my additional expenses will be covered.
Any insight?
(1) Purchased Southwest flight DTW > STL > LAX with points, flying out 1/28/19 at 7:30 p.m.
(2) Heard about the impending storm and decided to preemptively change flight to DTW > ATL > LAX, flying out 1/28/19 at 6:55 a.m. to try to beat the storm
(3) Southwest then cancels DTW > ATL > LAX and ask me to select another flight. The only available flight is my original one: DTW > STL > LAX at 7:30 p.m.
Technically, the DTW >STL>LAX flight is not the same ticket # as my original ticket # purchased with the CSP. But now the itinerary is the same. If my flight tonight is cancelled and I have to rebook for tomorrow or later (likely scenario), is it eligible for trip delay insurance? A benefits specialist told me after I changed my flight to DTW>ATL>LAX that my itinerary is no longer eligible for trip delay insurance since it is not the same itinerary I purchased with the card. Now it's back to the "same" itinerary (albeit, different ticket #s ) and I'm uncertain whether my additional expenses will be covered.
Any insight?
Jan 28, 2019, 12:00 pm
#873
Join Date: Sep 2014
Posts: 2,531
A benefits specialist told me after I changed my flight to DTW>ATL>LAX that my itinerary is no longer eligible for trip delay insurance since it is not the same itinerary I purchased with the card. Now it's back to the "same" itinerary (albeit, different ticket #s ) and I'm uncertain whether my additional expenses will be covered.
Any insight?
Any insight?
Jan 28, 2019, 12:10 pm
#874
Join Date: Aug 2014
Posts: 239
I'd keep it as simple as possible for the examiner. Send your original itinerary from the time of purchase, the boarding passes you flew with on the later flight, and a statement from the carrier as to the cause of the delay (weather, etc.). I wouldn't mention that you changed to another flight and got changed back, unless it comes up.
I'm also questioning the benefit specialist's assessment that my changing the flight (#2: 7:30p departure to the 6:55a departure that was subsequently cancelled) voided my eligibility for trip delay insurance. Is this really the case? I change my flights all the time without thinking that trip delay insurance would be affected since it's still a flight I booked initially with my CSP.
*If* the benefit specialist is wrong about my trip insurance delay insurance being voided once I changed my flight, then I think I'm eligible for trip delay insurance again, I think? Because my 6:55 a.m. flight was delayed to 7:30 p.m. That's more than 12 hours and should trigger trip delay insurance. During these 12 hours, I purchased a hotel room so that I have a space to work and rest.
Jan 28, 2019, 12:48 pm
#875
Join Date: Sep 2014
Posts: 2,531
I'm also questioning the benefit specialist's assessment that my changing the flight (#2: 7:30p departure to the 6:55a departure that was subsequently cancelled) voided my eligibility for trip delay insurance. Is this really the case? I change my flights all the time without thinking that trip delay insurance would be affected since it's still a flight I booked initially with my CSP.
*If* the benefit specialist is wrong about my trip insurance delay insurance being voided once I changed my flight, then I think I'm eligible for trip delay insurance again, I think? Because my 6:55 a.m. flight was delayed to 7:30 p.m. That's more than 12 hours and should trigger trip delay insurance. During these 12 hours, I purchased a hotel room so that I have a space to work and rest.
*If* the benefit specialist is wrong about my trip insurance delay insurance being voided once I changed my flight, then I think I'm eligible for trip delay insurance again, I think? Because my 6:55 a.m. flight was delayed to 7:30 p.m. That's more than 12 hours and should trigger trip delay insurance. During these 12 hours, I purchased a hotel room so that I have a space to work and rest.
But, I could see them giving you problems if you send them (a) your purchase confirmation for a flight and (b) you claim you were delayed and then (c) to show your delay, you send them boarding passes for your originally-scheduled flight. I would avoid doing that if possible. If your replacement flight was something else, I think you'd have an easier time.
My experience is anything that is complicated confuses the claims examiners, who are processing huge volumes of claims and don't have time to dig into the details.
The best is if you can say a very simple narrative like "I was on flight A [here is receipt], got changed to flight B [here is boarding pass], delay of 13 hours".
But....still worth filing a claim imo. Just put some thought into how you will present your case. "Bought ticket X, later changed to flight Y. Flight was cancelled because of weather and flew 12 hours later, here are boarding passes from my later flight". And a letter from airline showing the second change was weather, not voluntary. Worth a shot.
Jan 29, 2019, 12:41 pm
#876
Join Date: Aug 2014
Posts: 239
Alright, I'm finally home after 30 hours of travel to get from Detroit to Los Angeles. Now I'm thinking about how to present my case: 2 delays or just 1? I *think* I have a legitimate case for 2 sets of delays (one exceeding 12 hours and one requiring an overnight stay). Here's what happened:
(1) Purchased ticket from DTW > STL > LAX departing 7:30 pm on Jan 28, 2019.
(2) Changed flight to DTW > ATL > LAX departing 6:55 am on Jan 28, 2019. This flight got canceled and was rebooked on DTW > STL > LAX departing 7:30 pm on Jan 28, 2019 (same flight as the one I originally purchased). Delay = 13 hours. During this time, I booked an airport hotel nearby to rest, freshen up, and get work done. (~$55 plus $25 early check-in fee)
(3) DTW > STL departing 7:30 p.m. was delayed due to weather, causing me to miss my connection at STL. Rebooked on STL > LAX the next morning, so this necessitated an overnight stay (~$300 for hotel, snacks, medication, toiletries, meals).
(1) Purchased ticket from DTW > STL > LAX departing 7:30 pm on Jan 28, 2019.
(2) Changed flight to DTW > ATL > LAX departing 6:55 am on Jan 28, 2019. This flight got canceled and was rebooked on DTW > STL > LAX departing 7:30 pm on Jan 28, 2019 (same flight as the one I originally purchased). Delay = 13 hours. During this time, I booked an airport hotel nearby to rest, freshen up, and get work done. (~$55 plus $25 early check-in fee)
(3) DTW > STL departing 7:30 p.m. was delayed due to weather, causing me to miss my connection at STL. Rebooked on STL > LAX the next morning, so this necessitated an overnight stay (~$300 for hotel, snacks, medication, toiletries, meals).
- So what is the best strategy here? Should I try to claim 2 trip delays? Or should I just keep it simple for the insurance examiner and claim just the overnight stay portion (#3)?
- Is claiming a hotel room for day use (not for an overnight) acceptable? If not, then I might as well not get into it, and just make a simple claim for the overnight stay portion of my trip.
Last edited by nsc168; Jan 29, 2019 at 12:46 pm
Jan 29, 2019, 2:00 pm
#877
Join Date: Sep 2014
Posts: 2,531
You can only make one claim "per ticket" (according to the guide), so you only have one delay, with a max of $500.
The choice is between saying you were delayed overnight in STL starting with your 1/28 7:30pm flight, or the longer delay starting at 6:55am on 1/28 and including your daytime expenses in DTW (and your overnight in STL).
If you have documents that make a reasonable case that you were on the 6:55am flight, and then delayed till 7:30pm, then delayed overnight, then I'd go for the longer delay.
If your documents make it look like the switch from 7:30pm to 6:55am and back were due to irrops, I'd ignore that and just focus on getting delayed overnight in STL. This is also the better choice if you want to reduce the amount of back and forth you're probably going to have with the claims examiner.
Probably I'd submit the longer delay and they may just cover the STL stuff. They usually don't write you with any explanation, just say your claim was approved and send you a check for a lesser amount, and you have to add up dollar amounts or call to find out what was/wasn't covered.
I don't see anyone here reporting one way or the other on a daytime hotel, so that would be an interesting data point.
The choice is between saying you were delayed overnight in STL starting with your 1/28 7:30pm flight, or the longer delay starting at 6:55am on 1/28 and including your daytime expenses in DTW (and your overnight in STL).
If you have documents that make a reasonable case that you were on the 6:55am flight, and then delayed till 7:30pm, then delayed overnight, then I'd go for the longer delay.
If your documents make it look like the switch from 7:30pm to 6:55am and back were due to irrops, I'd ignore that and just focus on getting delayed overnight in STL. This is also the better choice if you want to reduce the amount of back and forth you're probably going to have with the claims examiner.
Probably I'd submit the longer delay and they may just cover the STL stuff. They usually don't write you with any explanation, just say your claim was approved and send you a check for a lesser amount, and you have to add up dollar amounts or call to find out what was/wasn't covered.
I don't see anyone here reporting one way or the other on a daytime hotel, so that would be an interesting data point.
Jan 30, 2019, 11:34 am
#878
Join Date: Aug 2014
Posts: 1,303
Claim from mid December where all data and documentation has been in eclaims' hands for three weeks and no word back on resolution other than "you'll receive an email" when I call in.
Jan 30, 2019, 1:26 pm
#879
Join Date: Feb 2005
Location: MD/DC
Programs: Hilton Diamond, IHG Platinum, Marriott Titanium, TK Gold
Posts: 1,536
Update: payment hit the bank today (1/31). All in all - less than 11 days process.
All in all, much simpler and much easier than I ever expected.
Last edited by MD/DC Flyer; Jan 31, 2019 at 7:50 am
Feb 3, 2019, 3:53 pm
#880
Join Date: May 2009
Location: LAX
Programs: AS MVPG100, Hyatt Globalist, MGM Gold, Caesars Diamond
Posts: 636
I apologize that this is not right forum. Please direct me to it. My question is if you use CSP to pay for the incidental charges on a reward ticket, say as low as $.50 (changed reard route) are you still covered for cancellation etc? Thanks for the help
Feb 4, 2019, 8:09 am
#881
Join Date: Sep 2014
Posts: 2,531
The guide says "are automatically covered when a portion or the entire cost of the Common Carrier fare, is purchased with your Chase credit card account". Many reports here indicate that this includes paying taxes/fees on a reward ticket. However, I would not expect a change fee, E+ upgrade, or anything paid after the fact to trigger coverage.
Feb 4, 2019, 8:49 am
#882
Join Date: May 2010
Posts: 72
I've got a RT flight NYC-AMD coming up on Norwegian. I have the opportunity to go to Serbia towards the end of the trip, return flight gets be back to AMS an hour before my Norwegian flight takes off. On any other carrier I wouldn't think this is a problem, I could check in online before the flight, arrive, and go straight to the gate at Schiphol, which is a pretty easy airport to navigate from one gate to the other. But Norwegian doesn't offer online check-in for flights to/from the U.S., and they are being non-committal on whether checking in at the gate will be allowed vs. having to go to the counter and then back through security. If my flight from Belgrade arrives on time, but I still miss my flight because Norwegian won't allow my check-in at the gate...I'm assuming I wouldn't have any recourse with my trip delay insurance through my CSP, right?
Feb 4, 2019, 9:50 am
#883
Join Date: Sep 2014
Posts: 2,531
I've got a RT flight NYC-AMD coming up on Norwegian. I have the opportunity to go to Serbia towards the end of the trip, return flight gets be back to AMS an hour before my Norwegian flight takes off. On any other carrier I wouldn't think this is a problem, I could check in online before the flight, arrive, and go straight to the gate at Schiphol, which is a pretty easy airport to navigate from one gate to the other. But Norwegian doesn't offer online check-in for flights to/from the U.S., and they are being non-committal on whether checking in at the gate will be allowed vs. having to go to the counter and then back through security. If my flight from Belgrade arrives on time, but I still miss my flight because Norwegian won't allow my check-in at the gate...I'm assuming I wouldn't have any recourse with my trip delay insurance through my CSP, right?
Norwegian's check-in deadline for int'l flights is 60 minutes before departure. You have 0 buffer here. Boarding deadline is 20 minutes before flight, so even if you were checked in, a 15-minute delay would put you in danger of missing that.
A separate-ticket connection between two different carriers, the second of which is a LCC, with only an hour in between is a recipe for heartbreak. Leave 4+ hours minimum or overnight, or be prepared to toss your Norwegian ticket and pay walk-up fare for a new ticket.
Feb 4, 2019, 11:17 am
#884
Join Date: May 2010
Posts: 72
Thanks for the response, and that's pretty much what I figured, but good to get the confirmation for those with more experience than I have. I've got an extra 4 days at the end of this trip, and I'd like to use it to go somewhere I haven't been before...but I can only manage it if I can do it on an ultra-budget. Belgrade has been on the list of places I really want to go at some point, and this seemed like the perfect opportunity to do it cheap, but I can't risk having to spend a bunch of money if I miss my flight. Will either have to find another destination or stick around the Netherlands for those extra days.
Feb 6, 2019, 10:00 pm
#885
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
I'm about to ticket an AA award and was trying to decide if I should use my Citi Prestige or CSR to pay the taxes/fees. CSR T&C say
"Coverage shall also be provided when free flights have been
awarded from frequent flier or rewards programs provided that all
of the miles or rewards points were accumulated from a rewards
program sponsored by Chase Bank USA, N.A. and/or its affiliates."
So it sounds like if I use AA points for these tix, they won't be covered under CSR T&C (but wiki here says they will). But then it also says "portion of the fare" for some coverages. I want coverage for (medical/eligible) cancellation w/ redeposit fee, medical care/evac, delay, baggage delay. Can anyone clarify?
"Coverage shall also be provided when free flights have been
awarded from frequent flier or rewards programs provided that all
of the miles or rewards points were accumulated from a rewards
program sponsored by Chase Bank USA, N.A. and/or its affiliates."
So it sounds like if I use AA points for these tix, they won't be covered under CSR T&C (but wiki here says they will). But then it also says "portion of the fare" for some coverages. I want coverage for (medical/eligible) cancellation w/ redeposit fee, medical care/evac, delay, baggage delay. Can anyone clarify?
Last edited by Stgermainparis; Feb 6, 2019 at 10:06 pm