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)
Oct 19, 2019, 1:48 pm
#1201
Join Date: Oct 2019
Posts: 2
I don't understand why they denied you -- did you try asking?
Maybe they don't want to reimburse you for a hotel you didn't use AND pay for a hotel you did use on the same night? I don't see anything in the guide to benefits that prohibits using Trip Cancellation (covers the things you missed) and Trip Delay (covers the unexpected new expense) on the same night, but maybe that's their logic?
As far as I know as long as some portion of the trip is paid with the CSR, the whole trip should be covered by Trip Cancellation.
Maybe they don't want to reimburse you for a hotel you didn't use AND pay for a hotel you did use on the same night? I don't see anything in the guide to benefits that prohibits using Trip Cancellation (covers the things you missed) and Trip Delay (covers the unexpected new expense) on the same night, but maybe that's their logic?
As far as I know as long as some portion of the trip is paid with the CSR, the whole trip should be covered by Trip Cancellation.
They just said that since the resort charge was on a card that doesn't have the benefits I couldn't receive reimbursement, but my understanding of policy is along the lines of your comment. I'm going to press back to them but wanted to do a little more research first.
Oct 19, 2019, 5:37 pm
#1202
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
If you have not actually contacted the hotel, you really should try to ask them to cancel as a courtesy without a charge. Many properties will agree to this.
Else, if they have confirmed to you that the no-show is a loss of points, I would no-show and not deal with the possibility that your insurance claim will be rejected.
Oct 20, 2019, 7:39 am
#1203
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
The eclaims description of what happens after I submit the claim is somewhat contradictory. It says the examiner will respond within five business days, but it also says that it might take two days for the documentation to be available to the examiner. (Why? Slow electrons?) In any event, even if eclaims means that it would take seven business days and Columbus Day was not a business day, it's been nine business days and eclaims has missed its self-appointed target. Is this usual? Should I wait a while longer (it would be almost a month due to another trip) or respond to the email acknowledging receipt of the claim? Thanks for any suggestions.
Oct 20, 2019, 9:34 am
#1204
Join Date: Sep 2014
Posts: 2,531
In any event, even if eclaims means that it would take seven business days and Columbus Day was not a business day, it's been nine business days and eclaims has missed its self-appointed target. Is this usual? Should I wait a while longer (it would be almost a month due to another trip) or respond to the email acknowledging receipt of the claim? Thanks for any suggestions.
https://www.flyertalk.com/forum/30794704-post896.html
I did get my money though!
Oct 20, 2019, 11:11 am
#1205
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
Thanks for that info, threeoh! I'll sit tight.
Oct 21, 2019, 8:43 am
#1206
Join Date: Jul 2001
Posts: 3,975
Our return from Rome is delayed by two days because of a strike cancelling the first leg (flight) of our trip home. My scanning here has it look like we should have some trip delay coverage with CSP, correct? I have a screen shot of our flight on the list of cancelled flights: what else should I have in documentation of the reason? It's an Iberia mixed money-points award, the money paid on CSP.
Oct 27, 2019, 5:15 pm
#1207
Join Date: Mar 2005
Location: KOA/PHKO
Programs: Starbucks Gold :-)
Posts: 831
Chase Sapphire Preferred - Trip Insurance, etc etc
Hi folks,
I have a couple of trips coming up - booked with my CSP, but I'm mostly curious if my CSP should cover my various situations:
- I'll be flying UA to Europe (Ireland), on a paid C fare. On the return, I have a 40 minute connection in LAX, coming from the NE in winter, so I'm betting something will go wrong. If UA claim ignorance, which I'm guessing they will, does CSP cover me for anything, e.g. hotel. I do understand that if my bags don't make it, I can have a 'reasonable' shopping trip upon arrival.
- I have a flight from Ireland to Ukraine, with a separate o/w (different PNR) in Ukraine (with a 4hr buffer). If things don't go well and I miss the connection, does "trip interruption" or "trip delay" cover anything, in terms of me needing to buy a hotel in Kiev and/or a new flight to my internal destination in Ukraine
- I assume (am I correct), that none of the benefits would cover medical and/or health emergencies while in Europe? I'm a EU citizen too (with an EHIC card), but I know that's useless in Ukraine, so just checking before I book something else.
I have a couple of trips coming up - booked with my CSP, but I'm mostly curious if my CSP should cover my various situations:
- I'll be flying UA to Europe (Ireland), on a paid C fare. On the return, I have a 40 minute connection in LAX, coming from the NE in winter, so I'm betting something will go wrong. If UA claim ignorance, which I'm guessing they will, does CSP cover me for anything, e.g. hotel. I do understand that if my bags don't make it, I can have a 'reasonable' shopping trip upon arrival.
- I have a flight from Ireland to Ukraine, with a separate o/w (different PNR) in Ukraine (with a 4hr buffer). If things don't go well and I miss the connection, does "trip interruption" or "trip delay" cover anything, in terms of me needing to buy a hotel in Kiev and/or a new flight to my internal destination in Ukraine
- I assume (am I correct), that none of the benefits would cover medical and/or health emergencies while in Europe? I'm a EU citizen too (with an EHIC card), but I know that's useless in Ukraine, so just checking before I book something else.
Oct 28, 2019, 9:31 am
#1208
Join Date: Sep 2014
Posts: 2,531
- I'll be flying UA to Europe (Ireland), on a paid C fare. On the return, I have a 40 minute connection in LAX, coming from the NE in winter, so I'm betting something will go wrong. If UA claim ignorance, which I'm guessing they will, does CSP cover me for anything, e.g. hotel. I do understand that if my bags don't make it, I can have a 'reasonable' shopping trip upon arrival.
The CSP Trip Delay coverage described in this thread should also cover you if you'd prefer that process. $500 cap.
If your bags don't make it, the airline has to pay for incidentals (up to a cap) and CSP also has Baggage Delay coverage which is covered here: Chase Sapphire Reserve Baggage Delay Insurance
- I have a flight from Ireland to Ukraine, with a separate o/w (different PNR) in Ukraine (with a 4hr buffer). If things don't go well and I miss the connection, does "trip interruption" or "trip delay" cover anything, in terms of me needing to buy a hotel in Kiev and/or a new flight to my internal destination in Ukraine
- I assume (am I correct), that none of the benefits would cover medical and/or health emergencies while in Europe? I'm a EU citizen too (with an EHIC card), but I know that's useless in Ukraine, so just checking before I book something else.
Oct 28, 2019, 11:01 am
#1209
Join Date: Jan 2003
Location: NYC
Posts: 8,498
A few other notes on MDTyKe's post:
Trip Delay will only cover missed connections if the cause of the missed connection was equipment failure, inclement weather, labor strikes, or hijacking. If you miss your connection because of a long immigration line or some other reason that isn't a "Covered Hazard" under the T&Cs, Trip Delay won't cover you. In theory Trip Interruption MIGHT cover a missed connection in some scenarios, but most of the scenarios that constitute a "Covered Loss" under the Trip Interruption T&C's are not run-of-the-mill missed connection type events.
CSR has an emergency medical/dental benefit that covers expenses incurred while traveling more than a certain distance away from home on a ticket you bought with your card. It also has emergency medical evacuation coverage. But CSP does not have those coverages. IMO those coverages together with the more generous limits on the other coverages make CSR well worth the extra $50/year.
Trip Delay will only cover missed connections if the cause of the missed connection was equipment failure, inclement weather, labor strikes, or hijacking. If you miss your connection because of a long immigration line or some other reason that isn't a "Covered Hazard" under the T&Cs, Trip Delay won't cover you. In theory Trip Interruption MIGHT cover a missed connection in some scenarios, but most of the scenarios that constitute a "Covered Loss" under the Trip Interruption T&C's are not run-of-the-mill missed connection type events.
CSR has an emergency medical/dental benefit that covers expenses incurred while traveling more than a certain distance away from home on a ticket you bought with your card. It also has emergency medical evacuation coverage. But CSP does not have those coverages. IMO those coverages together with the more generous limits on the other coverages make CSR well worth the extra $50/year.
Oct 28, 2019, 11:08 am
#1210
Join Date: Sep 2014
Posts: 2,531
Thank you for the additional notes. Some even more notes:
You are absolutely right about this, though they seem fairly lenient as long as there actually was a carrier-caused delay on the first leg (mechanical, ATC, weather, crew, etc.). But if the first leg is on time, then no Trip Delay coverage for sure. With a 4-hour connection I assumed the only chance of misconnect would be because of a carrier-caused delay.
Note that for CSP the delay has to be 12+ hours or overnight.
The big one is inclement weather directly affecting your flight (not knock-on effects on airframes or crew) -- if you missed your connection because of weather then it should refund you for your missed ticket or pay a change fee (but it will not pay any new fare). There are a couple of reports on here of that working out for people, I believe.
Big difference between the cards.
Trip Delay will only cover missed connections if the cause of the missed connection was equipment failure, inclement weather, labor strikes, or hijacking. If you miss your connection because of a long immigration line or some other reason that isn't a "Covered Hazard" under the T&Cs, Trip Delay won't cover you.
Note that for CSP the delay has to be 12+ hours or overnight.
In theory Trip Interruption MIGHT cover a missed connection in some scenarios, but most of the scenarios that constitute a "Covered Loss" under the Trip Interruption T&C's are not run-of-the-mill missed connection type events.
CSR has an emergency medical/dental benefit that covers expenses incurred while traveling more than a certain distance away from home on a ticket you bought with your card. It also has emergency medical evacuation coverage. But CSP does not have those coverages. IMO those coverages together with the more generous limits on the other coverages make CSR well worth the extra $50/year.
Last edited by threeoh; Oct 28, 2019 at 11:13 am
Oct 28, 2019, 11:11 am
#1211
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,891
Can anyone confirm lodging booked through Airbnb would be covered under trip delay/cancelation? I haven't seen much on this topic. I assume it would be, since everything I've seen just says something like 'pre-paid lodging', but just want to make sure making a reservation there and putting it on the card would result in coverage if needed.
Oct 28, 2019, 7:53 pm
#1212
Join Date: Aug 2008
Location: PHL
Programs: UA 1K 1MM, Marriott Gold, IHG Platinum, Raddison Platinum, Avis Presidents Club
Posts: 5,271
United MPE business card benefits
Can someone please link me to a PDF of the benefits guide?
I'm trying to understand the trip insurance for an illness.
It said it doesn't convert preexisting conditions.
Parent with card is in hospital for brain bleed and likely can't take cruise (and flights booked thru cruise company). He has a history of a heart issue which I would think is unrelated but maybe they mean ANY condition? They don't define what a condition is.
Also I'm not sure if I can cancel with UA directly
I'm trying to understand the trip insurance for an illness.
It said it doesn't convert preexisting conditions.
Parent with card is in hospital for brain bleed and likely can't take cruise (and flights booked thru cruise company). He has a history of a heart issue which I would think is unrelated but maybe they mean ANY condition? They don't define what a condition is.
Also I'm not sure if I can cancel with UA directly
Oct 29, 2019, 1:30 am
#1213
Join Date: Mar 2005
Location: KOA/PHKO
Programs: Starbucks Gold :-)
Posts: 831
Absolutely stellar response - thanks folks
Oct 29, 2019, 7:08 am
#1214
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
However, this is the text from another card to guide your thinking:
Pre-Existing Condition – illness, disease or Accidental injury of
you, your Traveling Companion, your Immediate Family Member
or the Immediate Family Member of the Traveling Companion,
for which medical advice, diagnosis, care or treatment was
recommended or received within the 60-day period immediately
prior to the purchase of a Covered Trip. The taking of prescription
drugs or medication for a controlled condition throughout this
60-day period will not be considered to be a treatment of illness
or disease
you, your Traveling Companion, your Immediate Family Member
or the Immediate Family Member of the Traveling Companion,
for which medical advice, diagnosis, care or treatment was
recommended or received within the 60-day period immediately
prior to the purchase of a Covered Trip. The taking of prescription
drugs or medication for a controlled condition throughout this
60-day period will not be considered to be a treatment of illness
or disease
Oct 29, 2019, 9:48 am
#1215
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,146
The insured has a responsibility to attempt to attempt to minimize damages, so canceling the flights would be a good idea.
With respect to coverage, unless there was active treatment measures during the look-back period (e.g., changing meds due to uncontrolled hypertension), your parent’s insurance likely will cover.
Hopeful for a speedy recovery.