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)
Dec 4, 2018, 2:41 pm
#841
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
I booked a flight with a CSR. The flight was canceled due to crew rest while I was at the airport. The original airline rebooked me on a different airline the next morning.
Because it was canceled while I was at the airport, I incurred transportation expenses going home from the airport, and back the next morning (2 lyft rides)
One phone agent told me that this is covered. Another told me that it isn't because "crew rest" is not a covered reason (although, I had to explain to him what "crew rest" meant).
Should this be covered?
Because it was canceled while I was at the airport, I incurred transportation expenses going home from the airport, and back the next morning (2 lyft rides)
One phone agent told me that this is covered. Another told me that it isn't because "crew rest" is not a covered reason (although, I had to explain to him what "crew rest" meant).
Should this be covered?
Dec 4, 2018, 3:37 pm
#842
Join Date: Sep 2014
Posts: 2,531
I booked a flight with a CSR. The flight was canceled due to crew rest while I was at the airport. The original airline rebooked me on a different airline the next morning.
Because it was canceled while I was at the airport, I incurred transportation expenses going home from the airport, and back the next morning (2 lyft rides)
One phone agent told me that this is covered. Another told me that it isn't because "crew rest" is not a covered reason (although, I had to explain to him what "crew rest" meant).
Should this be covered?
Because it was canceled while I was at the airport, I incurred transportation expenses going home from the airport, and back the next morning (2 lyft rides)
One phone agent told me that this is covered. Another told me that it isn't because "crew rest" is not a covered reason (although, I had to explain to him what "crew rest" meant).
Should this be covered?
The only report on this thread is here: https://www.flyertalk.com/forum/25036334-post180.html
I believe their appeal was successful and they were paid, though I can't find the follow-up post right now.
Dec 4, 2018, 3:46 pm
#843
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
Uhhh.... no? I live in SF. It was SFO but that's in San Bruno or something.
Thanks, I'll read it. This is quickly hitting the limitation of the amount of work I'm willing to do for $70.
I wonder if it's worth complaining to Chase. Their company's strategy seems to be to avoid paying claims by asking you for piles and piles of documentation. What a horrible benefit.
EDIT: Oh, I read it. That seems to be a different issue. The question here is whether a flight that is canceled and later rebooked due to crew rest (ie, not weather, terrorism, or strike) would be covered.
The only report on this thread is here: https://www.flyertalk.com/forum/25036334-post180.html
I believe their appeal was successful and they were paid, though I can't find the follow-up post right now.
I believe their appeal was successful and they were paid, though I can't find the follow-up post right now.
I wonder if it's worth complaining to Chase. Their company's strategy seems to be to avoid paying claims by asking you for piles and piles of documentation. What a horrible benefit.
EDIT: Oh, I read it. That seems to be a different issue. The question here is whether a flight that is canceled and later rebooked due to crew rest (ie, not weather, terrorism, or strike) would be covered.
Dec 4, 2018, 4:21 pm
#844
Join Date: Sep 2014
Posts: 2,531
Thanks, I'll read it. This is quickly hitting the limitation of the amount of work I'm willing to do for $70.
I wonder if it's worth complaining to Chase. Their company's strategy seems to be to avoid paying claims by asking you for piles and piles of documentation. What a horrible benefit.
I wonder if it's worth complaining to Chase. Their company's strategy seems to be to avoid paying claims by asking you for piles and piles of documentation. What a horrible benefit.
EDIT: Oh, I read it. That seems to be a different issue. The question here is whether a flight that is canceled and later rebooked due to crew rest (ie, not weather, terrorism, or strike) would be covered.
The fact that your flight was cancelled and you were rebooked (rather than your original flight merely being delayed) should not affect your claim.
I'd ask the airline for a delay letter (for US carriers, link in wiki) or hit them up on twitter and see if they give you a generic "weather" or "mechanical" reason for the delay.
Also the reps on the phone are not the people who process the claims. I'd just submit the claim and see what happens. Takes < 5 minutes online: https://www.eclaimsline.com/ , probably faster than calling. If they come back with a denial or ask for more documents you can decide whether to jump ship.
Dec 4, 2018, 4:32 pm
#845
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
I botched the original claim too. I filed it as trip cancellation instead of delay.
Edit: I don't see the link for the cancellation report in the wiki (the airline is AS). But I can just contact them and ask for it.
Edit again: I just called and talked to AS customer service -- they have a letter template that they can fill in and email to me. Should be here tomorrow.
Edit: I don't see the link for the cancellation report in the wiki (the airline is AS). But I can just contact them and ask for it.
Edit again: I just called and talked to AS customer service -- they have a letter template that they can fill in and email to me. Should be here tomorrow.
Last edited by VegasGambler; Dec 4, 2018 at 4:41 pm
Dec 4, 2018, 8:05 pm
#846
Join Date: Aug 2012
Posts: 779
Hi All,
I booked AA tickets using AA gift cards. I paid taxes and fees with my CSR. Now, the resort that we booked will not be open on time due to construction delay. Will CSR trip insurance cover the cancellation fees for air tickets? Thanks.
I booked AA tickets using AA gift cards. I paid taxes and fees with my CSR. Now, the resort that we booked will not be open on time due to construction delay. Will CSR trip insurance cover the cancellation fees for air tickets? Thanks.
Dec 5, 2018, 6:15 am
#847
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Read the benefit terms here:
https://www.chasebenefits.com/sapphirereserve
I do not see any coverage for cancellation in the event that the preferred lodging is not available:
https://www.chasebenefits.com/sapphirereserve
I do not see any coverage for cancellation in the event that the preferred lodging is not available:
Covered Loss means one of the following events that occur when you or
an Immediate Family Member is insured under the policy and the event
causes cancellation of the travel arrangements:
• Accidental Bodily Injury, Loss of Life, or Sickness experienced by
you, a Traveling Companion, or an Immediate Family Member of you
or a Traveling Companion
• Severe weather, which prevents a reasonable and prudent person
from beginning or continuing on a Covered Trip
• Change in military orders for you, your Spouse, or your
Domestic Partner
• A terrorist action or hijacking
• A call to jury duty or receiving a subpoena from the courts, neither
of which can be postponed or waived
• Finding your or your Traveling Companion’s dwelling to be
uninhabitable
• Quarantine imposed by a Physician for health reasons
• Financial insolvency of the Travel Agency, Tour Operator, or Travel
Supplier whose services you booked
an Immediate Family Member is insured under the policy and the event
causes cancellation of the travel arrangements:
• Accidental Bodily Injury, Loss of Life, or Sickness experienced by
you, a Traveling Companion, or an Immediate Family Member of you
or a Traveling Companion
• Severe weather, which prevents a reasonable and prudent person
from beginning or continuing on a Covered Trip
• Change in military orders for you, your Spouse, or your
Domestic Partner
• A terrorist action or hijacking
• A call to jury duty or receiving a subpoena from the courts, neither
of which can be postponed or waived
• Finding your or your Traveling Companion’s dwelling to be
uninhabitable
• Quarantine imposed by a Physician for health reasons
• Financial insolvency of the Travel Agency, Tour Operator, or Travel
Supplier whose services you booked
Dec 18, 2018, 9:11 pm
#848
Join Date: Dec 2018
Posts: 14
Hello, Can anyone please clarify this question for me? I regularly visit India for about a month every year and stay with my parents in their home. I don't stay at a hotel. Since there is no hotel stay involved, if there is a need for filing a claim related to say, medical care or dental care, emergency evacuation, trip cancellation etc, will Chase ask me to provide hotel stay receipts in order to provide coverage for these other items? I will never claim a hotel related expense since I don't stay at hotel, but will it still come into picture where chase could ask this as part of proof of stay/visit when providing other insurance coverages I mentioned and deny a claim if I couldn't provide a hotel bill?
In this case, assume that I have booked my return airfare from US to India using Chase Preferred or Reserve.
In this case, assume that I have booked my return airfare from US to India using Chase Preferred or Reserve.
Last edited by sampathkumark; Dec 18, 2018 at 9:14 pm Reason: provide more info
Dec 18, 2018, 11:51 pm
#849
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,138
Hello, Can anyone please clarify this question for me? I regularly visit India for about a month every year and stay with my parents in their home. I don't stay at a hotel. Since there is no hotel stay involved, if there is a need for filing a claim related to say, medical care or dental care, emergency evacuation, trip cancellation etc, will Chase ask me to provide hotel stay receipts in order to provide coverage for these other items? I will never claim a hotel related expense since I don't stay at hotel, but will it still come into picture where chase could ask this as part of proof of stay/visit when providing other insurance coverages I mentioned and deny a claim if I couldn't provide a hotel bill?
In this case, assume that I have booked my return airfare from US to India using Chase Preferred or Reserve.
In this case, assume that I have booked my return airfare from US to India using Chase Preferred or Reserve.
Please rest assured that Chas Benefit Services will be very pleased that you are not submitting a claim for hotel expenses, and that they don't have to cover that. Make sure you document any illness by getting medical confirmation, including diagnosis, ICD-10 code and procedure code.
Here's to your health!
Dec 28, 2018, 8:17 am
#850
Join Date: Aug 2012
Posts: 779
Read the benefit terms here:
https://www.chasebenefits.com/sapphirereserve
I do not see any coverage for cancellation in the event that the preferred lodging is not available:
https://www.chasebenefits.com/sapphirereserve
I do not see any coverage for cancellation in the event that the preferred lodging is not available:
I also bought a separate travel insurance policy for this trip. The company also said it is not a covered reason.
Dec 31, 2018, 5:05 am
#851
Join Date: May 2007
Posts: 74
My wife and I are going to the Bahamas in January. I'm seeing some great deals for hotels, but those rates are for non-refundable bookings, which I'm hesitant to do given that we're coming from the Northeast, so there could be weather delays getting out. If I booked the hotel on the CSP, and our trip was delayed/canceled due to weather getting out of our home airport, would the cost of the hotel be covered by the CSP travel insurance? Or no because we booked a non-refundable rate?
Dec 31, 2018, 7:47 am
#852
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,079
My wife and I are going to the Bahamas in January. I'm seeing some great deals for hotels, but those rates are for non-refundable bookings, which I'm hesitant to do given that we're coming from the Northeast, so there could be weather delays getting out. If I booked the hotel on the CSP, and our trip was delayed/canceled due to weather getting out of our home airport, would the cost of the hotel be covered by the CSP travel insurance? Or no because we booked a non-refundable rate?
Dec 31, 2018, 8:01 am
#853
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
My wife and I are going to the Bahamas in January. I'm seeing some great deals for hotels, but those rates are for non-refundable bookings, which I'm hesitant to do given that we're coming from the Northeast, so there could be weather delays getting out. If I booked the hotel on the CSP, and our trip was delayed/canceled due to weather getting out of our home airport, would the cost of the hotel be covered by the CSP travel insurance? Or no because we booked a non-refundable rate?
Jan 4, 2019, 12:12 pm
#854
Join Date: May 2018
Posts: 23
Searched but couldn't find a definitely answer. Is Airbnb covered? Even if I put all but $1 on gift cards?
Also, is pregnancy a pre-existing condition? Or is child-birth a new "illness?"
Also, if I book a trip for the whole family and we cancel or interrupt because one of us has a covered illness, would the reimbursement be for everyone?
Also, is pregnancy a pre-existing condition? Or is child-birth a new "illness?"
Also, if I book a trip for the whole family and we cancel or interrupt because one of us has a covered illness, would the reimbursement be for everyone?
Jan 4, 2019, 1:01 pm
#855
Join Date: Sep 2014
Posts: 2,531
"Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your Account... Rewards means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of a Rewards program sponsored by Chase Bank USA, N.A. and/or its affiliates."
I take that to mean that the plane tickets have to be charged to your card, not the hotel/airbnb, and that airbnb is covered though I believe upthread there is someone who had trouble getting airbnb covered.
Also, is pregnancy a pre-existing condition? Or is child-birth a new "illness?"
Trip Interruption (you extended or shorten your trip after it starts) excludes any travel during the third trimester.
Also, if I book a trip for the whole family and we cancel or interrupt because one of us has a covered illness, would the reimbursement be for everyone?
Tl;dr: I do not think this insurance is intended to cover costs associated with cancelling your trip because of a healthy pregnancy, but depending on the circumstances you might be covered.