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)
Nov 8, 2019, 12:02 pm
#1231
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
My latest experience (granted over a year ago at this point) was it was about 30 days instead of their stated 5 days:
https://www.flyertalk.com/forum/30794704-post896.html
I did get my money though!
https://www.flyertalk.com/forum/30794704-post896.html
I did get my money though!
For anyone interested, this was for interruption of a trip by privately owned automobile, with no part of the transportation by common carrier. The interruption was caused by a kidney stone, and I submitted a "To whom it may concern" letter from a doctor saying trip continuation was not appropriate.
Nov 13, 2019, 5:53 am
#1232
Join Date: Jul 2010
Posts: 15
Hi guys, wanted to share my positive experience since this thread was very helpful to me:
About 3 weeks ago, a 5 hour mechanical delay on my Madrid to NYC flight on Air Canada caused me to miss my connection at Toronto, resulting in an overnight layover because the next few Toronto to NY flights were full and which AC provided a hotel for.
I purchased only normal things like toiletries, food, taxis etc. The main thing I was thinking they may not cover was a coat that was a little over $300: I explained in a summary letter I uploaded that I only had summer clothes and Canada was very cold. (I suppose I could've found cheaper outwear but stores by the airport tend to be on the pricey end.) They only asked for a statement from my credit card to confirm the CAD to USD conversions, and approved everything I asked for. I was pleasantly surprised by the whole process.
I also emailed AC for the EU delay payments, thinking the Chase reimbursement may not go through, and before I heard back from Chase, I heard from AC who offered me a 1300CAD voucher or 600 Euros. I chose the euros and I also thought that would then mean my claim wouldn't be valid but Chase never asked me about that compensation (I guess technically it was two different delayed/ rescheduled flights: Madrid to Toronto for 5 hours, and then Toronto to NY rescheduled for 17 hours).
About 3 weeks ago, a 5 hour mechanical delay on my Madrid to NYC flight on Air Canada caused me to miss my connection at Toronto, resulting in an overnight layover because the next few Toronto to NY flights were full and which AC provided a hotel for.
I purchased only normal things like toiletries, food, taxis etc. The main thing I was thinking they may not cover was a coat that was a little over $300: I explained in a summary letter I uploaded that I only had summer clothes and Canada was very cold. (I suppose I could've found cheaper outwear but stores by the airport tend to be on the pricey end.) They only asked for a statement from my credit card to confirm the CAD to USD conversions, and approved everything I asked for. I was pleasantly surprised by the whole process.
I also emailed AC for the EU delay payments, thinking the Chase reimbursement may not go through, and before I heard back from Chase, I heard from AC who offered me a 1300CAD voucher or 600 Euros. I chose the euros and I also thought that would then mean my claim wouldn't be valid but Chase never asked me about that compensation (I guess technically it was two different delayed/ rescheduled flights: Madrid to Toronto for 5 hours, and then Toronto to NY rescheduled for 17 hours).
Nov 13, 2019, 6:50 am
#1233
Join Date: Sep 2014
Posts: 2,531
Hi guys, wanted to share my positive experience since this thread was very helpful to me:
About 3 weeks ago, a 5 hour mechanical delay on my Madrid to NYC flight on Air Canada caused me to miss my connection at Toronto, resulting in an overnight layover because the next few Toronto to NY flights were full and which AC provided a hotel for.
I purchased only normal things like toiletries, food, taxis etc. The main thing I was thinking they may not cover was a coat that was a little over $300: I explained in a summary letter I uploaded that I only had summer clothes and Canada was very cold. (I suppose I could've found cheaper outwear but stores by the airport tend to be on the pricey end.) They only asked for a statement from my credit card to confirm the CAD to USD conversions, and approved everything I asked for. I was pleasantly surprised by the whole process.
I also emailed AC for the EU delay payments, thinking the Chase reimbursement may not go through, and before I heard back from Chase, I heard from AC who offered me a 1300CAD voucher or 600 Euros. I chose the euros and I also thought that would then mean my claim wouldn't be valid but Chase never asked me about that compensation (I guess technically it was two different delayed/ rescheduled flights: Madrid to Toronto for 5 hours, and then Toronto to NY rescheduled for 17 hours).
About 3 weeks ago, a 5 hour mechanical delay on my Madrid to NYC flight on Air Canada caused me to miss my connection at Toronto, resulting in an overnight layover because the next few Toronto to NY flights were full and which AC provided a hotel for.
I purchased only normal things like toiletries, food, taxis etc. The main thing I was thinking they may not cover was a coat that was a little over $300: I explained in a summary letter I uploaded that I only had summer clothes and Canada was very cold. (I suppose I could've found cheaper outwear but stores by the airport tend to be on the pricey end.) They only asked for a statement from my credit card to confirm the CAD to USD conversions, and approved everything I asked for. I was pleasantly surprised by the whole process.
I also emailed AC for the EU delay payments, thinking the Chase reimbursement may not go through, and before I heard back from Chase, I heard from AC who offered me a 1300CAD voucher or 600 Euros. I chose the euros and I also thought that would then mean my claim wouldn't be valid but Chase never asked me about that compensation (I guess technically it was two different delayed/ rescheduled flights: Madrid to Toronto for 5 hours, and then Toronto to NY rescheduled for 17 hours).
If you had tried to claim from Chase the hotel or some other expense AC had paid for or reimbursed you for, that would have been potential fraud.
Not strictly on topic, but under EU law, AC should have provided transport to/from the hotel as well as meals. Now it might have been more convenient / faster for you to do it on your own and get Chase to cover it, which is definitely A-OK. Often it's best to have multiple forms of coverage like this and choose what makes most sense in your situation.
Nov 13, 2019, 7:30 pm
#1234
Join Date: Aug 2017
Location: SFO
Programs: UA Gold
Posts: 19
I am flying business class on Air Tahiti Nui (TN) from CDG-LAX on December 1. I purchased my ticket using AA miles, and charged the fees to my Chase Sapphire Reserve.
Air Tahiti Nui has a very small fleet, and there are some reports of flight cancellations / SIGNIFICANT delays due to IRROPs or equipment issues. Due to the small fleet, passengers have been delayed 24h+ waiting for replacement aircraft and were not being rebooked onto other carriers, from reports I have read. TN seems to be awful about accommodating passengers and communicating with them during these events.
Does my CSR insurance offer any protection that would allow me to purchase another flight CDG-LAX due to a significant delay like this, in order to return home as quickly as possible? Does anyone have any experience with this? Thank you in advance!
Air Tahiti Nui has a very small fleet, and there are some reports of flight cancellations / SIGNIFICANT delays due to IRROPs or equipment issues. Due to the small fleet, passengers have been delayed 24h+ waiting for replacement aircraft and were not being rebooked onto other carriers, from reports I have read. TN seems to be awful about accommodating passengers and communicating with them during these events.
Does my CSR insurance offer any protection that would allow me to purchase another flight CDG-LAX due to a significant delay like this, in order to return home as quickly as possible? Does anyone have any experience with this? Thank you in advance!
Nov 13, 2019, 8:01 pm
#1235
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
See this in the Wikipost at the top of the thread:
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
Nov 14, 2019, 1:40 pm
#1236
Join Date: Mar 2013
Location: DC
Programs: AA Plat
Posts: 18
Wanted to share a recent VRBO datapoint since the last time VRBO was discussed it wasn't clear whether or not chase would cover it.
Had a big family trip booked to Hilton Head, and wife and I paid for the house rental (half on reserve half on another card). We were going to drive down there, so there was no airfare involved. Had to eventually cancel the whole trip because of Hurricane Dorian. The homeowner returned 80% of the rental costs, but we were out the remaining 20% plus VRBO fees. Applied to Chase Reserve for the remaining money and after a small bit of back and forth they fully refunded the remaining 20%, the VRBO fees, and even the 99 dollar damage insurance we bought through VRBO.
Submitting the form was a bit weird since it is very focused on carriers (which we of course did not have in this case), but overall was a smooth experience and took less than 4 weeks to get the reimbursement.
Had a big family trip booked to Hilton Head, and wife and I paid for the house rental (half on reserve half on another card). We were going to drive down there, so there was no airfare involved. Had to eventually cancel the whole trip because of Hurricane Dorian. The homeowner returned 80% of the rental costs, but we were out the remaining 20% plus VRBO fees. Applied to Chase Reserve for the remaining money and after a small bit of back and forth they fully refunded the remaining 20%, the VRBO fees, and even the 99 dollar damage insurance we bought through VRBO.
Submitting the form was a bit weird since it is very focused on carriers (which we of course did not have in this case), but overall was a smooth experience and took less than 4 weeks to get the reimbursement.
Nov 14, 2019, 7:31 pm
#1237
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
[...] The brain-dead eclaimsonline web site has no idea that someone might travel by other than air. It requires a flight number and origination and destination airports. I called and the nice woman said that is a flaw in their web site and I should enter anything that allows me to continue and then make a note that no common carrier was involved. [...]
Nov 19, 2019, 3:48 pm
#1238
Join Date: Jul 2015
Programs: SPG Gold
Posts: 38
Reimbursements for Delayed Connection?
Hi Everyone,
I’ve looked through the thread but wanted to get more concrete confirmation on this. Does chase reimburse for missed connections?
for example if one is flying EWR-ORD-SFO and the flight to Chicago is delayed enough to miss the Chicago to SFO flight can we get reimbursed for hotel expenses in Chicago if the missed flight from Chicago to SFO was the last flight of the day and you’re forced to leave the next day?
Thanks
I’ve looked through the thread but wanted to get more concrete confirmation on this. Does chase reimburse for missed connections?
for example if one is flying EWR-ORD-SFO and the flight to Chicago is delayed enough to miss the Chicago to SFO flight can we get reimbursed for hotel expenses in Chicago if the missed flight from Chicago to SFO was the last flight of the day and you’re forced to leave the next day?
Thanks
Last edited by FlyerGuy10; Nov 20, 2019 at 1:05 am
Nov 19, 2019, 5:08 pm
#1239
Join Date: Sep 2014
Posts: 2,531
I’ve looked through the read but wanted to get more concrete confirmation on this. Does chase reimburse for missed connections?
for example if one is flying EWR-ORD-SFO and the flight to Chicago is delayed enough to miss the Chicago to SFO flight can we get reimbursed for hotel expenses in Chicago if the missed flight from Chicago to SFO was the last flight of the day and you’re forced to leave the next day?
for example if one is flying EWR-ORD-SFO and the flight to Chicago is delayed enough to miss the Chicago to SFO flight can we get reimbursed for hotel expenses in Chicago if the missed flight from Chicago to SFO was the last flight of the day and you’re forced to leave the next day?
Nov 20, 2019, 5:24 am
#1240
Join Date: Mar 2004
Location: Baltimore MD
Posts: 3,457
Not sure if anyone has any experience but I’m thinking of using a service to rent points for the Disney Vacation Club through a service such as Dave’s. From what I u see stand these typical code as travel. My question is; does Chase trip insurance typically cover this?
thanks
fdw
thanks
fdw
Nov 25, 2019, 8:24 pm
#1241
Join Date: Feb 2007
Location: Malibu, CA
Programs: AA CK / Marriott Worthless Ambassador
Posts: 1,158
Help.
First time wondering about this.
flight booked on JetBlue. Four award tickets. Used Chase UR to book fees.
LGA to BOS
flight delayed with rolling delays to 4 hours so we eventually rented a car.
jetblue will cover tickets I assume, but can I claim rental car or airport food for insurance? Would I have to have used the your card for these expenses? I assume so. In my haze I may have booked the car with Amex but maybe I can get them to switch to the Chase UR Card?
thanks for any help or advice.
flight booked on JetBlue. Four award tickets. Used Chase UR to book fees.
LGA to BOS
flight delayed with rolling delays to 4 hours so we eventually rented a car.
jetblue will cover tickets I assume, but can I claim rental car or airport food for insurance? Would I have to have used the your card for these expenses? I assume so. In my haze I may have booked the car with Amex but maybe I can get them to switch to the Chase UR Card?
thanks for any help or advice.
Nov 26, 2019, 8:57 am
#1242
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,891
So, always wondered about this, on trip cancelation/inturruption - unfortunately I've had to use this a couple of times in the last few years, because, well, kids get sick...often at the wrong time. Because of this, I know that as part of any claim, we'd need to have a physicians statement form completed - which obviously need to be filled out and signed by a physician.
We're scheduled to leave on Thursday for Thanksgiving. Daughter is not doing great...been up the last couple of nights coughing pretty good, and now has a low-grade fever. Especially in light of travel, and the holiday, want to try and make sure she's ok to travel. I'm expecting yes, but obviously, don't want to take chances with air travel. So we're taking her to the doctor.
I just called eclaimsline to see if there was a way to get a physicians statement form, which I know needs to be filled out in the case I need to file a claim. We don't have a claim started - like I said, hoping we don't need it, but want this in case. Agent claimed they can not send a physician statement form - there needs to be a claim to attach it to first. This makes no sense to me - essentially, as I understand it, it means if the doc recommends not traveling, I need to go back, start a claim, then request a physicians statement form, then go back to the doctor so they can fill it out. Is this really the process? (side note: IME, there's no way, even after starting a claim, to download the form...you need to call in for one to be sent - and if you don't know that first, you might go to the doc, find out you can't travel, and then go back once you have the form.
Are they really not allowed sending the forms? If not, it seems like the only purpose is to reduce claims, as it would take a second doctor visit to have the form filled out...ie, more work for everyone, more expense for everyone, more time for everyone. Any way to make this process more seamless?
We're scheduled to leave on Thursday for Thanksgiving. Daughter is not doing great...been up the last couple of nights coughing pretty good, and now has a low-grade fever. Especially in light of travel, and the holiday, want to try and make sure she's ok to travel. I'm expecting yes, but obviously, don't want to take chances with air travel. So we're taking her to the doctor.
I just called eclaimsline to see if there was a way to get a physicians statement form, which I know needs to be filled out in the case I need to file a claim. We don't have a claim started - like I said, hoping we don't need it, but want this in case. Agent claimed they can not send a physician statement form - there needs to be a claim to attach it to first. This makes no sense to me - essentially, as I understand it, it means if the doc recommends not traveling, I need to go back, start a claim, then request a physicians statement form, then go back to the doctor so they can fill it out. Is this really the process? (side note: IME, there's no way, even after starting a claim, to download the form...you need to call in for one to be sent - and if you don't know that first, you might go to the doc, find out you can't travel, and then go back once you have the form.
Are they really not allowed sending the forms? If not, it seems like the only purpose is to reduce claims, as it would take a second doctor visit to have the form filled out...ie, more work for everyone, more expense for everyone, more time for everyone. Any way to make this process more seamless?
Nov 26, 2019, 9:36 am
#1243
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
I just called eclaimsline to see if there was a way to get a physicians statement form, which I know needs to be filled out in the case I need to file a claim. We don't have a claim started - like I said, hoping we don't need it, but want this in case. Agent claimed they can not send a physician statement form - there needs to be a claim to attach it to first. This makes no sense to me - essentially, as I understand it, it means if the doc recommends not traveling, I need to go back, start a claim, then request a physicians statement form, then go back to the doctor so they can fill it out. Is this really the process? (side note: IME, there's no way, even after starting a claim, to download the form...you need to call in for one to be sent - and if you don't know that first, you might go to the doc, find out you can't travel, and then go back once you have the form.
For my claim, I obtained a "To whom it may concern" letter from the doctor during my appointment. (This was especially important in my case because I was traveling. I feel it is much easier to accomplish these things face-to-face.) I got no pushback whatsoever from eclaimsonline about not using the form from the web site, and I understand from FlyerTalk posts that the roughly five weeks it took for my claim to be processed is typical and so probably not because I deviated from the eclaimsonline process.
Nov 26, 2019, 9:58 am
#1244
Join Date: Sep 2014
Posts: 2,531
flight delayed with rolling delays to 4 hours so we eventually rented a car.
jetblue will cover tickets I assume
but can I claim rental car or airport food for insurance?
Would I have to have used the your card for these expenses? I assume so.
As a side note, most of your questions are covered pretty well in the Wiki FAQ (scroll up).
Nov 26, 2019, 10:00 am
#1245
Join Date: Sep 2014
Posts: 2,531
I just called eclaimsline to see if there was a way to get a physicians statement form, which I know needs to be filled out in the case I need to file a claim. We don't have a claim started - like I said, hoping we don't need it, but want this in case. Agent claimed they can not send a physician statement form - there needs to be a claim to attach it to first. This makes no sense to me