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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)

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Old May 17, 2017, 6:45 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: threeoh
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:

Trip Delay: This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500

Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE

Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE

No coverage on the Chase cards will pay for new expensive tickets home.

How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461

Guide to Benefits:
Read it! CSR - CSP

Trip Delay FAQ and experiences

This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500

How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my inbound. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Need more data on this.

Experiences:

  • 01/2014 - Delayed in MSP overnight due to mechanical issues. ~$300 for Hotel Ivy downtown, meals, and ground transportation covered with no issues. Benefits applied to AMEX FHR. Claim processed within 1 week. [Full Report]
  • 02/2014 - Flight was cancelled due to weather; booked Amtrak with points, which was then delayed because of downed electrical wires; rented a car and drove home. Used print out from flightaware.com to show flight was cancelled, claimed non-points dollar amount for Amtrak ticket, got Chase (not insurance) to request receipts from vendors that weren't saved by OP. All was covered. Full report
  • 04/2014 - Delayed in DTW overnight due to crew member time-out. ~$400 for DTW Westin and meals covered with no issues. Claim processed within 1 week. Full Report
  • 07/2014- Delayed in MSP overnight due to weather at destination. Booked Marriott Mall of America for $120, and meals for 3 and a shirt were all covered. Recommend keeping new and old boarding passes.
  • 12/2014 - Trip delay in WAS (flight was delayed because of MX causing misconnect and overnight. Reward flight with taxes+fees on Chase card. OP + wife were covered $632 for a for a room, dinner, and taxi roundtrip from the airport. Gratuity was not reimbursed and could not convince them to after a phone call. Hotel Was $380 after tax and this was not a problem.
  • 07/2016 - Delayed in YYC overnight due to mechanical problems. Claim paid out ~$300. Full report.
  • 7/2017 - Delayed in EWR due to thunderstorms. ~$390 for hotel, uber, meals. Claim processed within a week, no issues. Full report.
  • 9/2017 - Delayed in EWR due to Harvey. ~$499 for hotel, ubereats. Claim processed in 7 business days
  • 1/2017 - $625 covered on two tickets on JetBlue award flight with taxes+fees on Chase in FLL. Missed connection due to Mx. Incl. $65 at Walgreens, r/t uber to hotel, uber home, $265 hotel, $180 meal. Tax, tip, and alcohol covered.
  • 06/2017 - $258 covered for overnight delay hotel/dinner. Did not cover $50 to pick a seat on next day's flight. Full report
  • 08/2017 - covered during ATC equipment failure leading to cancelled flight
  • 08/2017 - covered with flightaware showing delay, no direct statement from carrier. Booked dummy return flight on Southwest to 'comply' with r/t requirement.
  • 12/2017 - covered for forced overnight due to ATL "Power Outage". Entire ticket, including taxes, was paid for using Ultimate Reward points through my Reserve account. There was no credit card charge showing on my account.
  • 1/2018 - covered for $500 including hotel tips, a drink, and minibar snacks w/ no receipt (but showed credit card statement with purchases listed)
  • 1/2018 - covered rental + gas to drive to int'l gateway when feeder flight was cancelled.
  • 3/2018 - covered int'l phone calls, roaming cell phone data (submitted phone bill), storage locker, and hotel.
  • 4/2018 - covered hotel, meals/snacks, cold medicine, Uber ground transport for overnight due to weather. Award ticket with taxes/fees on CSR.
  • 5/2018 - covered $250 in hotel, uber, two meals after missing a connection in a "painless but slightly drawn out" process. Had to request a different delay letter because first one didn't state cause of delay. Total turn-around time 40 days including re-requesting delay letter.
  • 11/2018 - covered $300+ in hotel, 2 Ubers, 3 meals; did not cover seat charge or Uber home; originally booked with UR points (no CC charge)
  • 7/2019 - covered $400+ in hotel, rental car, 3 meals, clothing/toiletries for me, wife and son for 24 hour delay; award tickets with taxes/fees in CSR.

(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)

For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.

Trip Cancellation / Trip Interruption

This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE

Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.

What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".

Experiences:
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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)

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Old Jul 17, 2019, 2:59 pm
  #1081  
 
Join Date: Feb 2008
Posts: 36
I have the CSR and purchased a ticket using miles ... The award ticket was 28k Iberia Avios + Taxes paid via the Chase Sapphire Reserve.
I filed the claim for trip cancellation, but the representative said that they need something showing the value of the Avios for them to be able to reimburse, anyone familiar with this? Any suggestions?
HASHAH88 is offline  
Old Jul 17, 2019, 4:32 pm
  #1082  
 
Join Date: Jan 2013
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Posts: 7,142
Originally Posted by HASHAH88
I have the CSR and purchased a ticket using miles ... The award ticket was 28k Iberia Avios + Taxes paid via the Chase Sapphire Reserve.
I filed the claim for trip cancellation, but the representative said that they need something showing the value of the Avios for them to be able to reimburse, anyone familiar with this? Any suggestions?
A little confused here: Can't you cancel the flight and put the 28k Avios back into your Avios account? If there is a penalty fee for that return, your CSR should pay the penalty fee.
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Old Jul 17, 2019, 9:30 pm
  #1083  
 
Join Date: Sep 2010
Posts: 176
I paid for my united flight using the amex portal and have since canceled that amex card. My flight was canceled at newark tonight so I'm in a hotel. I paid for my checked baggage today using my sapphire reserve card, does this qualify me for the trip cancel insurance? I saw that if you pay for taxes or fees it does, but I didnt specifically see that baggage fees are a qualifier. thanks
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Old Jul 18, 2019, 12:41 am
  #1084  
 
Join Date: Jul 2019
Posts: 1
Error on Eclaims Line

Hi all, I recently acquired the CSP and read a lot of people’s posts on this thread. I recently went on a trip and had the unfortunate event of a plane being delayed and stuck at the airport (inclement weather) until the next morning, rendering monetary loss on my first night of prepaid hotel booking over in Portland (was flying Delta from JFK) and 1 day of prepaid car rental. Anyway, I know I have to file for Trip Interruption.

The problem is that I have attempted numerous times every day this week to submit an online claim via the website (even uploaded all documents) and when I submit, it always without fail brings me to the Error page.

Error



An unexpected error has occurred. Please try again or contact Claims Service at 1-866-390-9735

Yes, I have called them and they keep telling me it might be because the website is incompatible with Chrome and to use Internet Explorer instead. I tried it on multiple browsers, my iPhone, my computer at work, and now I’m thinking it must be the website. I looked through much of this thread and did not see anyone with this issue. Am I doing something wrong? I did submit a Trip Delay claim for a meal at the airport and that went through, but I can’t submit no matter how many times I try it brings me to the error page. Any thoughts?
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Old Jul 18, 2019, 1:23 am
  #1085  
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Originally Posted by hopeprism
Any thoughts?
Try another computer, or maybe a library?
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Old Jul 18, 2019, 3:25 am
  #1086  
 
Join Date: Aug 2006
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Originally Posted by hopeprism
Hi all, I recently acquired the CSP and read a lot of people’s posts on this thread. I recently went on a trip and had the unfortunate event of a plane being delayed and stuck at the airport (inclement weather) until the next morning, rendering monetary loss on my first night of prepaid hotel booking over in Portland (was flying Delta from JFK) and 1 day of prepaid car rental. Anyway, I know I have to file for Trip Interruption.

The problem is that I have attempted numerous times every day this week to submit an online claim via the website (even uploaded all documents) and when I submit, it always without fail brings me to the Error page.

Error



An unexpected error has occurred. Please try again or contact Claims Service at 1-866-390-9735

Yes, I have called them and they keep telling me it might be because the website is incompatible with Chrome and to use Internet Explorer instead. I tried it on multiple browsers, my iPhone, my computer at work, and now I’m thinking it must be the website. I looked through much of this thread and did not see anyone with this issue. Am I doing something wrong? I did submit a Trip Delay claim for a meal at the airport and that went through, but I can’t submit no matter how many times I try it brings me to the error page. Any thoughts?
I had a similar experience yesterday, but called them and an agent named Ashley told me that there is a problem w/ the document upload function when submitting the claim. The trick is to submit the claim FIRST W/OUT THE DOCUMENTS.

Once you have submitted the claim you will get a claim number. Now you can click on the link at the top of the page to look at already submitted claims. Input the claim number (plus I think last name and zip code). This will take you to your claim and give you the opportunity to upload additional documents.

I followed these steps yesterday and they worked perfectly.
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Old Jul 18, 2019, 10:12 am
  #1087  
 
Join Date: Feb 2008
Posts: 36
Originally Posted by 747FC
A little confused here: Can't you cancel the flight and put the 28k Avios back into your Avios account? If there is a penalty fee for that return, your CSR should pay the penalty fee.
So, since it was on a partner airline, they didn't let me cancel. They canceled the flight, but Avios weren't rewarded back. And, there wasn't an option for a penalty fee either.
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Old Jul 18, 2019, 12:07 pm
  #1088  
 
Join Date: Jan 2013
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Originally Posted by HASHAH88
So, since it was on a partner airline, they didn't let me cancel. They canceled the flight, but Avios weren't rewarded back. And, there wasn't an option for a penalty fee either.
Did you purchase your flight directly using Avios through your Avios program, or through Chase UR program converting URs into cash for the purchase?

Who is the "they" who would not let you cancel the flight, but cancelled for you?
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Old Jul 18, 2019, 12:50 pm
  #1089  
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Originally Posted by HASHAH88
....... The award ticket was 28k Iberia Avios + Taxes paid via the Chase Sapphire Reserve.
Originally Posted by 747FC
...Can't you cancel the flight and put the 28k Avios back into your Avios account?.....
No. Iberia's rules are different than BA's.

Originally Posted by ChocolateFactory
Changes are only allowed on IB and BA metal. With AA the booking cannot be changed in any way and you can’t get any Avios back either. You might be able to cancel and get the taxes back.
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Old Jul 19, 2019, 7:37 am
  #1090  
 
Join Date: Feb 2008
Posts: 36
Originally Posted by 747FC
A little confused here: Can't you cancel the flight and put the 28k Avios back into your Avios account? If there is a penalty fee for that return, your CSR should pay the penalty fee.
Originally Posted by 747FC
Did you purchase your flight directly using Avios through your Avios program, or through Chase UR program converting URs into cash for the purchase?

Who is the "they" who would not let you cancel the flight, but cancelled for you?
Yes, purchased directly through Iberia through my Avios. And they refers to Iberia - there is no cancel and refund option, they just cancel since I let them know that my wife won't be taking the flight.
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Old Jul 19, 2019, 8:39 am
  #1091  
 
Join Date: Jan 2003
Location: NYC
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Originally Posted by HASHAH88
I have the CSR and purchased a ticket using miles ... The award ticket was 28k Iberia Avios + Taxes paid via the Chase Sapphire Reserve.
I filed the claim for trip cancellation, but the representative said that they need something showing the value of the Avios for them to be able to reimburse, anyone familiar with this? Any suggestions?
Sometimes when you buy a ticket using reward points there is a choice of using $ or points and the receipt will show the $/point value. If you can submit something like that, Chase will reimburse you the $ value of the points you used and couldn't get back.

Otherwise, the terms say that Chase will only reimburse you a penny per point. Which is probably less than those points were worth to you, but at least it's something.

Here's the relevant language from the CSR Trip Cancellation terms:

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.
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Old Jul 20, 2019, 7:34 pm
  #1092  
 
Join Date: Nov 2002
Location: Boston, MA
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I ask this question in all seriousness: has anyone actually been successful in getting eclaimsline to pay a CSR Trip Cancellation claim? I have a simple claim; my wife had a knee injury requiring surgery, note from the doctor, screenshot of the terms of the cancelled flight (British Airways completely non refundable except for taxes), and they refuse to pay the claim without written documentation from BA saying no credits were provided by the ticket. BA of course will provide nothing in writing for any reason because their customer service is abysmal. This has gone on for months (going on month 4), and they make one excuse after another for not paying the claim. Has anyone run into this and been able to get them to pay? If so, how? I am thinking about small claims court as the next step...
MikeBOS is offline  
Old Jul 20, 2019, 8:19 pm
  #1093  
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Originally Posted by MikeBOS
BA of course will provide nothing in writing for any reason because their customer service is abysmal.
Have you ever mailed, not emailed, to BA's corporate office, asking them to clarify this in writing?

Originally Posted by MikeBOS
I am thinking about small claims court as the next step...
You will not only fail, but you lose the only chance you can get redress.

Regardless how much you hate BA and/or Chase, the reality is you have not submitted adequate documentation. This is on you, not the claim adjuster.
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Old Jul 20, 2019, 8:21 pm
  #1094  
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Originally Posted by MikeBOS
I ask this question in all seriousness: has anyone actually been successful in getting eclaimsline to pay a CSR Trip Cancellation claim? I have a simple claim; my wife had a knee injury requiring surgery, note from the doctor, screenshot of the terms of the cancelled flight (British Airways completely non refundable except for taxes), and they refuse to pay the claim without written documentation from BA saying no credits were provided by the ticket. BA of course will provide nothing in writing for any reason because their customer service is abysmal. This has gone on for months (going on month 4), and they make one excuse after another for not paying the claim. Has anyone run into this and been able to get them to pay? If so, how? I am thinking about small claims court as the next step...
yes, got a trip cancelation claim reimbursed within the last 6 weeks. It was just for hotel, since we were driving to the destination. Daughter (13 months old) got an ear infection and high fever night before we were supposed to leave. Since I suspected that was the case, made sure to have brought the doctors form to urgent care when we brought her in. First tried asking the hotel to waive the one-night penalty to see if that was easier. They wouldn’t, so I filed the claim. They also asked for proof I wasn’t receiving anything back from the hotel. So called and spoke to a manager who said they would send it by the next day. Didn’t have it 2 days later, so I spoke to a different manager who had it complete within an hour. Claim paid out ~ a week later.

I suspect soemone at BA can write that letter, just a matter of finding the right person.
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Old Jul 21, 2019, 5:37 am
  #1095  
 
Join Date: Nov 2002
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Posts: 1,777
Originally Posted by garykung
Have you ever mailed, not emailed, to BA's corporate office, asking them to clarify this in writing.
I have called BA and eclaimsline has called BA. When I called, they said they could provide nothing in writing other than the fare rules, which I provided to eclaimsline. The fare rules clearly state that the ticket was non-refundable with no credits for anything but taxes. When eclaimsline called BA, the hold times were "too long" so they didn't ever talk to anyone. Eclaimsline has now sent email to BA and says they need to wait 30 days for a response before they will do anything else. They have the documentation they are asking for; it seems to me that they are just making excuses to avoid paying the claim.
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