Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Chase | Ultimate Rewards
Reload this Page >

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

Community
Wiki Posts
Search
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:
Print Wikipost

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

Thread Tools
 
Search this Thread
 
Old Aug 20, 2019, 2:16 pm
  #1126  
 
Join Date: Jul 2018
Posts: 138
Originally Posted by themicah
The main documentation is the following form, which gets filled out by your doctor:
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?" .
thank you (both) for your replies. that is very helpful.
wanderlust99 is offline  
Old Aug 21, 2019, 5:44 pm
  #1127  
 
Join Date: Jul 2019
Location: FAI/ANC
Programs: AS MVPG (R.I.P 75K), DL, HH Gold
Posts: 187
AS Wallet Coverage ?

If I purchase a non-refundable AS ticket using CSP and later cancel, the refund goes into my AS Wallet (where it may or may not be mixed in with other refunds not necessarily all initially purchased through CSP). If I then use that fund to purchase another ticket in part or full (for which there are CSP refunded monies available for use), will I be covered?

Ex: I buy a non-refundable AS ticket via CSP from LAX to JFK and then decide to cancel after 24 hrs. As such, the refund goes into my AS Wallet and not back on my card. I later buy another ticket from LAX to JFK (or anywhere else) using some/all of my initially-charged-to-CSP Wallet funds. Am I covered?

Last edited by bon mot; Aug 21, 2019 at 5:45 pm Reason: formatting
bon mot is offline  
Old Aug 22, 2019, 7:24 am
  #1128  
 
Join Date: Aug 2019
Posts: 1
Trip Delay Covers if Miss Connecting Flight on Separate Tickets?

I've been unable to find out if Chase will cover if you book two separate tickets with two separate airlines, and the first flight is delayed, will they cover you rebooking your next flight or at least reimburse your missed flight? I bought an international roundtrip flight to Quito, Ecuador a few months ago and want to do some city-hopping within Ecuador. The day of my return flight home, I was hoping to take a domestic flight from Cuenca to Quito with a 2 hour window to catch my next flight to the United States. I will not be checking a bag on either flight.
MSPbikergirl is offline  
Old Aug 22, 2019, 7:47 am
  #1129  
 
Join Date: Sep 2011
Posts: 1,857
Originally Posted by bon mot
Am I covered?
No chance, IMO.
pallhedge is offline  
Old Aug 22, 2019, 9:26 am
  #1130  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by MSPbikergirl
I've been unable to find out if Chase will cover if you book two separate tickets with two separate airlines, and the first flight is delayed, will they cover you rebooking your next flight or at least reimburse your missed flight?
No Chase insurance covers rebooking / new tickets.

If the first delay is due to weather that would prevent a prudent person from beginning their trip, there is a tiny chance Trip Cancellation would cover the cancel/change fee on the second ticket.

It is also likely (positive reports upthread) that Trip Delay would cover hotels/meals at your "connection" point while waiting for a new flight out.

tl;dr: When booking separate tickets, assume you will pay everything in case of a misconnect and maybe if you're lucky you'll get some money out of Chase.
threeoh is offline  
Old Aug 27, 2019, 1:32 am
  #1131  
 
Join Date: Mar 2007
Programs: UA MP, NW WP, AA
Posts: 719
I redeemed some AS miles on a couple of CX flights for a medical volunteer trip in September. The trip is now canceled due to the civil unrest in HK. (The organization that sponsors the trip is based in HK; all of the trips with this organization originated in HK.)

I used CSR to pay for the taxes and fees of the award tickets. Is this cost covered by CSR’s trip cancellation insurance?
LAX/HKG is offline  
Old Aug 27, 2019, 2:06 am
  #1132  
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
Originally Posted by LAX/HKG
I redeemed some AS miles on a couple of CX flights for a medical volunteer trip in September. The trip is now canceled due to the civil unrest in HK. (The organization that sponsors the trip is based in HK; all of the trips with this organization originated in HK.)

I used CSR to pay for the taxes and fees of the award tickets. Is this cost covered by CSR’s trip cancellation insurance?
It is not covered in your case.

As liberally construct as possible, your situation does not fall within any categories of the covered loss.
garykung is offline  
Old Aug 29, 2019, 8:42 pm
  #1133  
 
Join Date: Mar 2007
Programs: UA MP, NW WP, AA
Posts: 719
Originally Posted by garykung
It is not covered in your case.

As liberally construct as possible, your situation does not fall within any categories of the covered loss.
Thanks for your input.

Fortunately AS provided a wavier due to the unrest. No change fees plus a refund of the fees I paid to ticket the itineraries! Kudos to AS!!!
LAX/HKG is offline  
Old Sep 3, 2019, 2:46 pm
  #1134  
Hilton Contributor Badge
 
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
I am on an automobile trip (in my own car) to various state and national parks. I developed a kidney stone (ouch!) and the clinic is telling me to stay in the area until my renal function is back to normal. I had to cancel a room reservation at a national park and lost my deposit, which I had paid with my Sapphire Reserve card. My reading of the wiki is that the loss of the deposit should be covered.

However, as soon as I am cleared, I plan to resume my trip, so only part of the trip will be cancelled (I hope). Does this affect the validity of the claim?

I needed to make a new hotel reservation in the area of the clinic. My reading of the wiki is that this is not covered, since I am not traveling by a scheduled carrier (although that is not clear). Is there any way it might be?
serpens is offline  
Old Sep 3, 2019, 4:42 pm
  #1135  
 
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,147
Originally Posted by serpens
I am on an automobile trip (in my own car) to various state and national parks. I developed a kidney stone (ouch!) and the clinic is telling me to stay in the area until my renal function is back to normal. I had to cancel a room reservation at a national park and lost my deposit, which I had paid with my Sapphire Reserve card. My reading of the wiki is that the loss of the deposit should be covered.

However, as soon as I am cleared, I plan to resume my trip, so only part of the trip will be cancelled (I hope). Does this affect the validity of the claim?

I needed to make a new hotel reservation in the area of the clinic. My reading of the wiki is that this is not covered, since I am not traveling by a scheduled carrier (although that is not clear). Is there any way it might be?
Make sure you get a physician’s note recommending against travel. Submit with claim for loss. Insurance tends not to cover make-up travel, just the incurred loss.
747FC is online now  
Old Sep 3, 2019, 8:39 pm
  #1136  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by serpens
I am on an automobile trip (in my own car) to various state and national parks.
Don't see why it wouldn't be covered but I also can't recall anyone on this thread reporting a private car road trip....so please report back either way!

I developed a kidney stone (ouch!) and the clinic is telling me to stay in the area until my renal function is back to normal. I had to cancel a room reservation at a national park and lost my deposit, which I had paid with my Sapphire Reserve card. My reading of the wiki is that the loss of the deposit should be covered.
Yes, assuming they don't have a problem with the private road trip aspect this is exactly what the insurance is supposed to cover. Note that you need to cancel within a reasonable time after being told by a physician not to travel. Also just to mention an alternative option, the hotel may be willing to return the deposit if you send over a copy of the physician's note without involving the CSR insurance.

However, as soon as I am cleared, I plan to resume my trip, so only part of the trip will be cancelled (I hope). Does this affect the validity of the claim?
Shouldn't. Technically I think you are under the "Trip Interruption" rather than "Trip Cancellation" heading, but the coverage is nearly identical. Others on this thread have reported having to stay in Europe longer than expected due to health problems, etc., and the insurance kicked in no problem. Basically, this is what the insurance is meant to cover so you should be fine.

I needed to make a new hotel reservation in the area of the clinic. My reading of the wiki is that this is not covered, since I am not traveling by a scheduled carrier (although that is not clear). Is there any way it might be?
New expenses like this is what the insurance does not cover. Even if you were on a common carrier you would not be covered under Trip Delay because that requires the carrier to actually do the delaying, doesn't cover delay due to illness.
threeoh is offline  
Old Sep 4, 2019, 11:28 am
  #1137  
Hilton Contributor Badge
 
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
Originally Posted by 747FC
Make sure you get a physician’s note recommending against travel. Submit with claim for loss.
Thank you for that advice. The provider was a PA (Physician's Assistant) rather than an MD. Do you think that would matter?

Originally Posted by threeoh
Don't see why it wouldn't be covered but I also can't recall anyone on this thread reporting a private car road trip....so please report back either way!
Will do if I file, but filing a claim might be unnecessary. Read on.

Originally Posted by threeoh
Also just to mention an alternative option, the hotel may be willing to return the deposit if you send over a copy of the physician's note without involving the CSR insurance.
The first cancellation was in Yellowstone, and the policy is no refund if canceled within seven days. I didn't think to ask if there was an exception for medical problems. Based on your comment, I called back and asked. After a few minutes on hold, the agent returned and said I should see a refund on my card in a week or two. I asked if I needed to send a doctor's note; the answer was no. That was a lot simpler than filing a claim. Thanks!
serpens is offline  
Old Sep 4, 2019, 12:54 pm
  #1138  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by serpens
Based on your comment, I called back and asked. After a few minutes on hold, the agent returned and said I should see a refund on my card in a week or two. I asked if I needed to send a doctor's note; the answer was no. That was a lot simpler than filing a claim. Thanks!
Awesome, problem resolved! But you have deprived FT of a data point :-p
threeoh is offline  
Old Sep 6, 2019, 10:27 am
  #1139  
 
Join Date: Aug 2019
Posts: 33
My flight tomorrow NRT-ICN is cancelled due to severe weather (typhoon). The airline offered a refund and did not rebook me on a later flight (they are accepting refund requests through email and the reservation line is closed for the night).

Does trip delay benefits kick-in for this situation?

- The same airline has only one other flight that is more than 6 hours later (original flight booked with CSR).
- The later flight is not bookable for whatever reason (errors out on airline's own website).
- If I try, I can get another ticket tomorrow within 6 hours of my original departure time, with other airlines of course.
uinoka is offline  
Old Sep 6, 2019, 8:54 pm
  #1140  
 
Join Date: Jun 2009
Programs: Hyatt Globalist
Posts: 27
Affected by Dorian

I have a trip planned to the Outer Banks in two weeks and want to voluntarily cancel my house rental. Severe weather is certainly deterring me, as a reasonable person, to travel there. Anyone have experience filing a trip cancellation claim for travel POST hurricane?

UA is issuing waivers for flights, so I'm all set on flights.
strbrynkrm is offline  


Contact Us - Manage Preferences - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.