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)
Aug 5, 2019, 10:23 am
#1111
Join Date: Apr 2016
Location: SFO
Posts: 59
Standard delay caused misconnect and overnight on a CP itinerary with SW. Myself and spouse. Had a similar delay last year, so just submitted a claim for myself and my itinerary since its separate as a companion. Got confirmation of approval, but for $100 less. When I called in, turns out the adjuster put "1/2 bill" on a few of the meal receipts that listed "2 Guests" or referenced a party of 2.
Going to appeal, and send in the second itinerary. What's odd is the only other time I used the benefit a year ago this was not an issue. The wiki claims nobody has been turned down for meals shared with companions, which is how i went into this filing as just me on the claim and not mentioning a +1. One meal expense that was halved was just $25 so seemingly any amount, and total claim was around $400 so under $500. Sounds like its YMMV here.
Going to appeal, and send in the second itinerary. What's odd is the only other time I used the benefit a year ago this was not an issue. The wiki claims nobody has been turned down for meals shared with companions, which is how i went into this filing as just me on the claim and not mentioning a +1. One meal expense that was halved was just $25 so seemingly any amount, and total claim was around $400 so under $500. Sounds like its YMMV here.
Aug 8, 2019, 9:24 pm
#1112
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,890
Made an error and hoping someone can help with potential resolutions.
Booked a trip to LAX a few days ago. Flights on UA, and then a hotel, with a refundable up until 3 days prior reservation. Hotel was properly guaranteed with my CSR. Flights were paid for part by UA Travelbank, but the balance I selected the wrong card off my profile, so that was paid with my UA Select card, when I meant to use my CSR. Traveling with our kids (4 and 1), and given the history, the insurance is important - since, well....kids get sick more than we do (we used trip cancelation, for example, just a couple of months ago because of that). If it was just me and the wife, I wouldn't be too concerned.
So, obviously, the hotel is covered based on the fact we guaranteed with the CSR. I think I know the answer, but would the flights be, if we needed to delay/cancel due to one of them getting sick?
Assuming the answer is no (and that's what I assume), any way to get CSR insurance coverage on the air portion, which obviously, is the more expensive one to cancel. I did try to see if UA could switch the payment card, but they were unable. If I need to buy third-party coverage (i.e., Allianz), I could, I suppose, but would for obvious reasons prefer to use the CSR coverage I already have. Would buying an ancillary in advance (i.e., maybe an E+ seat for one of us on one flight, buying an upgrade, etc.) be enough to get the CSR coverage if we need it? Is there anything else that could possibly get the CSR coverage to kick in?
Appreciate any advice one might have.
Booked a trip to LAX a few days ago. Flights on UA, and then a hotel, with a refundable up until 3 days prior reservation. Hotel was properly guaranteed with my CSR. Flights were paid for part by UA Travelbank, but the balance I selected the wrong card off my profile, so that was paid with my UA Select card, when I meant to use my CSR. Traveling with our kids (4 and 1), and given the history, the insurance is important - since, well....kids get sick more than we do (we used trip cancelation, for example, just a couple of months ago because of that). If it was just me and the wife, I wouldn't be too concerned.
So, obviously, the hotel is covered based on the fact we guaranteed with the CSR. I think I know the answer, but would the flights be, if we needed to delay/cancel due to one of them getting sick?
Assuming the answer is no (and that's what I assume), any way to get CSR insurance coverage on the air portion, which obviously, is the more expensive one to cancel. I did try to see if UA could switch the payment card, but they were unable. If I need to buy third-party coverage (i.e., Allianz), I could, I suppose, but would for obvious reasons prefer to use the CSR coverage I already have. Would buying an ancillary in advance (i.e., maybe an E+ seat for one of us on one flight, buying an upgrade, etc.) be enough to get the CSR coverage if we need it? Is there anything else that could possibly get the CSR coverage to kick in?
Appreciate any advice one might have.
I gave them the details of the situation, and they transferred me over to card benefit services. I explained the situation once again today, and the rep. went on hold to discuss with a supervisor. When she came back, I was pleasantly surprised to hear her say her supervisor confirmed that because the air and hotel were part of the same trip, that using the card on either one will allow both to be included in a claim. In other words, despite not using the card for the airline tickets, because the hotel is part of the same trip, that would meet the requirement for a 'portion' of the cost being put on the card to have coverage kick in if necessary.
Does anyone see a reason that this would be incorrect (i.e. has anyone been successful, or unsuccessful, with a claim for both items in similar circumstances)?
Aug 10, 2019, 4:18 pm
#1113
Join Date: Oct 2009
Location: Washington, DC area
Programs: Air: Many; Hotel: HH D, HY G, IHG P, MR S, RR
Posts: 504
Trip delay coverage with separate tickets
My understanding, from what I have read, is that trip delay (if accepted) would cover a hotel overnight at AKL, and trip interruption potentially could cover my prepaid hotel night in Queenstown.
trip delay worked for me in this situation earlier this summer - flight from LIS-AGP was cancelled by TAP Air and we had onward travel booked separately AGP-JFK on DL. Tickets were booked completely separately. The next flight TAP could have booked us on would have arrived hours after our DL flight was supposed to depart. We rented a car and drove all night to make the flight and Chase approved our rental car expenses through trip delay for me and my wife ($1000 total). They asked for a ton of documentation too so I hope you’ve got something from your airline citing the delay and the reason for it, as well as proof of your missed flights, etc
Aug 11, 2019, 8:31 pm
#1114
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
No, the delay needs to be six hours. The scheduled interval between the flights is not part of the delay.
Aug 12, 2019, 3:17 pm
#1115
Join Date: May 2017
Location: PHX
Posts: 21
I made a booking to fly out of the US via HK as a layover on Cathay Pacific on the 18th. I've been waiting until now because there were no widespread cancellations of flights. However, after this weekend's developments and HK airport cancelling all flights on 12th and 13th, I am considering cancelling my itinerary and re-booking with another airline. Will any of the protections on the CSR apply for this scenario to cover the cancellation fees?
Would anyone with experience on this be able to help me out?
Would anyone with experience on this be able to help me out?
Aug 12, 2019, 4:08 pm
#1116
Join Date: Sep 2014
Posts: 2,531
I made a booking to fly out of the US via HK as a layover on Cathay Pacific on the 18th. I've been waiting until now because there were no widespread cancellations of flights. However, after this weekend's developments and HK airport cancelling all flights on 12th and 13th, I am considering cancelling my itinerary and re-booking with another airline. Will any of the protections on the CSR apply for this scenario to cover the cancellation fees?
Would anyone with experience on this be able to help me out?
Would anyone with experience on this be able to help me out?
Cathay currently has a fee waiver for Aug 12/13. This includes the ability to get a refund on a non-refundable ticket. It's possible they will extend this waiver through Aug 18, but of course no guarantee at this point.
https://www.cathaypacific.com/cx/en_...gust-2019.html
If your flights actually get cancelled and you are delayed more than 6 hours, you'll get up to $500 in hotels/meals/etc covered under Trip Delay.
Last edited by threeoh; Aug 12, 2019 at 4:08 pm Reason: added link
Aug 12, 2019, 4:33 pm
#1117
Join Date: May 2017
Location: PHX
Posts: 21
Not unless you consider the activities in Hong Kong to be "terrorist actions" which, even if you do, I doubt the insurance company will. Otherwise I don't see any provisions that would cause this to be covered under Trip Cancellation.
Cathay currently has a fee waiver for Aug 12/13. This includes the ability to get a refund on a non-refundable ticket. It's possible they will extend this waiver through Aug 18, but of course no guarantee at this point.
https://www.cathaypacific.com/cx/en_...gust-2019.html
If your flights actually get cancelled and you are delayed more than 6 hours, you'll get up to $500 in hotels/meals/etc covered under Trip Delay.
Cathay currently has a fee waiver for Aug 12/13. This includes the ability to get a refund on a non-refundable ticket. It's possible they will extend this waiver through Aug 18, but of course no guarantee at this point.
https://www.cathaypacific.com/cx/en_...gust-2019.html
If your flights actually get cancelled and you are delayed more than 6 hours, you'll get up to $500 in hotels/meals/etc covered under Trip Delay.
The US Dept of State website has issued an advisory https://travel.state.gov/content/tra...-advisory.html elevating it to "Level 2 due to civil unrest.".
I totally understand this is not a terrorist activity and dont expect insurance to consider it so. The Chase handbook does call out "organized strike" as a valid case.
The thing is I want to skip the entire waiting game since it seems to be getting worse. I need to fly to SFO and then fly out of there. While Chase would cover me if things go south that day of travel, but I am trying to find a coverage which will let me cancel today and get the cancellation fees or loss in fare paid and book with another airline.
Aug 13, 2019, 2:17 pm
#1118
Join Date: Jun 2012
Posts: 3,383
you can't buy new travel insurance now if you plan to declare a loss immediately on the new insurance (that's insurance fraud)
Check your original ticket, some tickets allow a refund for a fee - if that's the case, buy your new ticket and get to usa. If cathay cancels, you save the fee. If not, you are in USA already, eat that fee yourself and cancel yourself
Regardless, it's about your risk level and how desperate you want to get back to usa. While you are doing this, start pricing out a last minute one way/RT ticket out of Hong Kong. Also, take a look at the change fee on your original ticket, see if you are willing to pay that to change your original ticket to fly out now
Aug 13, 2019, 11:36 pm
#1119
Join Date: May 2017
Location: PHX
Posts: 21
Current coverage doesn't seem to cover. You can try calling the chase benefits hotline and asking (and calling Cathay to see if they are willing to waive change/cancel fees)
you can't buy new travel insurance now if you plan to declare a loss immediately on the new insurance (that's insurance fraud)
Check your original ticket, some tickets allow a refund for a fee - if that's the case, buy your new ticket and get to usa. If cathay cancels, you save the fee. If not, you are in USA already, eat that fee yourself and cancel yourself
Regardless, it's about your risk level and how desperate you want to get back to usa. While you are doing this, start pricing out a last minute one way/RT ticket out of Hong Kong. Also, take a look at the change fee on your original ticket, see if you are willing to pay that to change your original ticket to fly out now
you can't buy new travel insurance now if you plan to declare a loss immediately on the new insurance (that's insurance fraud)
Check your original ticket, some tickets allow a refund for a fee - if that's the case, buy your new ticket and get to usa. If cathay cancels, you save the fee. If not, you are in USA already, eat that fee yourself and cancel yourself
Regardless, it's about your risk level and how desperate you want to get back to usa. While you are doing this, start pricing out a last minute one way/RT ticket out of Hong Kong. Also, take a look at the change fee on your original ticket, see if you are willing to pay that to change your original ticket to fly out now
Thanks for your advice. I am looking at flights on other carriers and they have all gone up in price with less than a week to travel.
I have UR I could use for travel if transferring to United. But the award travel seems to change every few hours and I am not getting anything worthwhile for my return journey back.
Aug 14, 2019, 7:52 am
#1120
Join Date: Dec 2001
Location: Washington, DC, USA
Programs: UA-1Kmm, AA-EX Plt mm-, Hilton Diamond,
Posts: 1,093
I tried to contact the Chase Benefits administrator and they were pretty much reading off a script. So not helpful in anyway. Bottomline is that it wont be covered if I cancel with the current status.
Thanks for your advice. I am looking at flights on other carriers and they have all gone up in price with less than a week to travel.
I have UR I could use for travel if transferring to United. But the award travel seems to change every few hours and I am not getting anything worthwhile for my return journey back.
Thanks for your advice. I am looking at flights on other carriers and they have all gone up in price with less than a week to travel.
I have UR I could use for travel if transferring to United. But the award travel seems to change every few hours and I am not getting anything worthwhile for my return journey back.
Aug 14, 2019, 10:15 am
#1121
Join Date: Jan 2017
Programs: Southwest, United, American Airlines
Posts: 56
Airline moved my flight a day early mid-vacation
Currently on a 2 week vacation, visiting two destinations. The flight to our 2nd destination was moved a full day ahead by the airline.
I know this isn't a delay, but is there anyway Chase would cover the extra hotel night and rental car since we are arriving at the 2nd destination a day early?
Thanks. I couldn't find any info about this particular circumstance.
I know this isn't a delay, but is there anyway Chase would cover the extra hotel night and rental car since we are arriving at the 2nd destination a day early?
Thanks. I couldn't find any info about this particular circumstance.
Aug 20, 2019, 9:34 am
#1122
Join Date: Jul 2012
Location: Charlotte
Programs: UA 1k, Marriott LT Titanium, '20 Ambassador
Posts: 150
Trip delay report:
United award ticket for me, Mrs. Jonas and son (infant in arms). Paid for taxes on CSR.
Departing FNT on United, only 2 flights a day and we were on second one. After a delay of a couple hours, flight finally canceled (storms in midwest, widespread delays). United auto-rebooked us on same flight next day (which we preferred over earlier middle of the day option for workday purposes).
Submitted claim for hotel, car rental (taxis not practical up there & with infant), dinner, breakfast, lunch & clothes/toiletries. Attached receipts, original itinerary, United app screenshot showing cancellation, text messages from United with cancellation notice & rebooking info, and credit card statement. Roughly $400 total.
About a week later was asked to submit original itinerary, new itinerary, explanation of relationship between me & Mrs. Jonas and son, and flight cancellation reason. Reattached United app screenshot along with other requested items. Request approved and paid within another week.
So glad I switched to CSR and ditched Citi Costco, takes so much stress out of delays.
United award ticket for me, Mrs. Jonas and son (infant in arms). Paid for taxes on CSR.
Departing FNT on United, only 2 flights a day and we were on second one. After a delay of a couple hours, flight finally canceled (storms in midwest, widespread delays). United auto-rebooked us on same flight next day (which we preferred over earlier middle of the day option for workday purposes).
Submitted claim for hotel, car rental (taxis not practical up there & with infant), dinner, breakfast, lunch & clothes/toiletries. Attached receipts, original itinerary, United app screenshot showing cancellation, text messages from United with cancellation notice & rebooking info, and credit card statement. Roughly $400 total.
About a week later was asked to submit original itinerary, new itinerary, explanation of relationship between me & Mrs. Jonas and son, and flight cancellation reason. Reattached United app screenshot along with other requested items. Request approved and paid within another week.
So glad I switched to CSR and ditched Citi Costco, takes so much stress out of delays.
Aug 20, 2019, 11:51 am
#1123
Join Date: Jul 2018
Posts: 138
I've read as much of this thread as possible but did not see this question. Please forgive me if it's redundant.
Child has a school trip coming up. Paid for it with my CSR. Child has a history of asthma that can morph into more serious problems, resulting in a complicated medical regimen and daily appointments but not hospitalization. How "serious" does an illness need to be for trip cancellation to kick in? If his doctor simply advises my child not to go, is that sufficient? And if so, what kind of documentation would be needed?
Child has a school trip coming up. Paid for it with my CSR. Child has a history of asthma that can morph into more serious problems, resulting in a complicated medical regimen and daily appointments but not hospitalization. How "serious" does an illness need to be for trip cancellation to kick in? If his doctor simply advises my child not to go, is that sufficient? And if so, what kind of documentation would be needed?
Aug 20, 2019, 12:06 pm
#1124
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
I've read as much of this thread as possible but did not see this question. Please forgive me if it's redundant.
Child has a school trip coming up. Paid for it with my CSR. Child has a history of asthma that can morph into more serious problems, resulting in a complicated medical regimen and daily appointments but not hospitalization. How "serious" does an illness need to be for trip cancellation to kick in? If his doctor simply advises my child not to go, is that sufficient? And if so, what kind of documentation would be needed?
Child has a school trip coming up. Paid for it with my CSR. Child has a history of asthma that can morph into more serious problems, resulting in a complicated medical regimen and daily appointments but not hospitalization. How "serious" does an illness need to be for trip cancellation to kick in? If his doctor simply advises my child not to go, is that sufficient? And if so, what kind of documentation would be needed?
The problem is asthma is a pre-existing condition. Because this is pre-existed, the benefit administrator could refuse benefits on that basis.
Aug 20, 2019, 2:06 pm
#1125
Join Date: Jan 2003
Location: NYC
Posts: 8,498
https://www.eclaimsline.com/v_149548...ement_Form.pdf
The key questions for you will likely be:
1) "Was the patient recommended by you to curtain their trip/travel due to this condition?" and
2) If the patient had a condition prior to trip booking that contributed to their condition, "Was the patient's previous condition stable at least 60 days prior to booking the trip?" .