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)
May 22, 2019, 6:15 pm
#1006
Join Date: Sep 2011
Posts: 1,857
I tried to book a flight on URs site and my preferred airline for cost and timeline was Delta. Delta was not offered on site. I called UR and rep said no Delta on Expedia on flights that I wanted. I asked if I booked flights on Delta and used my CSR if flight delay program would be in effect. After a delay for rep to check with someone with knowledge nearby I was told that flight delay program, hotels, meals, etc. would not apply. Rep asked how much my D tics would cost. I said $2400. Rep advised me to use CSR to Delta and flight would accrue 74,000 points. Does this makes sense that no flight delay items apply. I thought point accrual was a bit inflated.
May 23, 2019, 1:16 pm
#1007
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,884
HI...haven't used the trip cancelation/interuption insurance much (luckily, haven't needed to) but wanted to get some insight.
We've been planning to go to Chicago this long weekend - the whole family, including 4 and 1 year old kids both for fun and to attend a friend's celebration. We're driving - since it's only a few hours, so now airfare involved, but staying at a Marriott, which was booked on a standard, refundable rate, but that required cancelation 3 days prior - so by Tuesday for our arrival tomorrow.
Last night, our 1 year old got a low grade fever - nothing to be too concerned about - with kids, it happens - but enough to keep her away from daycare today/tomorrow. Also nothing that is really worth going to the doctor for - our doctor always tells us not to come in unless it is abnormally high, or persists for more than 3 days. I guess the next 24 hours will tell us more, but we're not sure at this point if this will remain fairly minor and subside quickly, will stay the same for a little bit, or will get worse, where there is a higher grade fever or ear infection, etc. involved.
Marriott was guaranteed with my CSR, so wondering how they might handle the options we are considering.
1. Suck it up and just go as planned (honestly, at the same or worse, not really worth it as we can pay special attention to the baby just as well here elsewhere that requires a long drive and paying for 3 nights of a hotel)
2. Stay back an extra day, and arrive on Sat. instead of Fri.
3. Just cancel the whole thing to let her get her rest here
Any idea how the trip insurance would work for options 2 or 3? Am I right to assume that we'd need the doctor to an exam/authorize a form advising against travel in either case - like I said, I typically wouldn't go to the doctor for something like this unless it has been a few days. Is there even any coverage that would cover situation 2 (my understanding is 'trip cancelation' deals with, as it says, cancelation, but 'trip delay' deals mostly with airline delays, not delays due to illness). Any chance, especially in situation number 2, that I could call the Marriott property and see if they would be willing to help us out (i.e. if we delay the trip by a day, might they be willing to keep/charge us for days 2 & 3 of our existing reservation, while allowing us to skip day 1 without penalty?).
Appreciate any insight from those more experienced than us.
We've been planning to go to Chicago this long weekend - the whole family, including 4 and 1 year old kids both for fun and to attend a friend's celebration. We're driving - since it's only a few hours, so now airfare involved, but staying at a Marriott, which was booked on a standard, refundable rate, but that required cancelation 3 days prior - so by Tuesday for our arrival tomorrow.
Last night, our 1 year old got a low grade fever - nothing to be too concerned about - with kids, it happens - but enough to keep her away from daycare today/tomorrow. Also nothing that is really worth going to the doctor for - our doctor always tells us not to come in unless it is abnormally high, or persists for more than 3 days. I guess the next 24 hours will tell us more, but we're not sure at this point if this will remain fairly minor and subside quickly, will stay the same for a little bit, or will get worse, where there is a higher grade fever or ear infection, etc. involved.
Marriott was guaranteed with my CSR, so wondering how they might handle the options we are considering.
1. Suck it up and just go as planned (honestly, at the same or worse, not really worth it as we can pay special attention to the baby just as well here elsewhere that requires a long drive and paying for 3 nights of a hotel)
2. Stay back an extra day, and arrive on Sat. instead of Fri.
3. Just cancel the whole thing to let her get her rest here
Any idea how the trip insurance would work for options 2 or 3? Am I right to assume that we'd need the doctor to an exam/authorize a form advising against travel in either case - like I said, I typically wouldn't go to the doctor for something like this unless it has been a few days. Is there even any coverage that would cover situation 2 (my understanding is 'trip cancelation' deals with, as it says, cancelation, but 'trip delay' deals mostly with airline delays, not delays due to illness). Any chance, especially in situation number 2, that I could call the Marriott property and see if they would be willing to help us out (i.e. if we delay the trip by a day, might they be willing to keep/charge us for days 2 & 3 of our existing reservation, while allowing us to skip day 1 without penalty?).
Appreciate any insight from those more experienced than us.
May 23, 2019, 3:58 pm
#1008
Join Date: Aug 2005
Location: HPN
Programs: not anymore! I'm FREE!
Posts: 3,459
HI...haven't used the trip cancelation/interuption insurance much (luckily, haven't needed to) but wanted to get some insight.
We've been planning to go to Chicago this long weekend - the whole family, including 4 and 1 year old kids both for fun and to attend a friend's celebration. We're driving - since it's only a few hours, so now airfare involved, but staying at a Marriott, which was booked on a standard, refundable rate, but that required cancelation 3 days prior - so by Tuesday for our arrival tomorrow.
Last night, our 1 year old got a low grade fever - nothing to be too concerned about - with kids, it happens - but enough to keep her away from daycare today/tomorrow. Also nothing that is really worth going to the doctor for - our doctor always tells us not to come in unless it is abnormally high, or persists for more than 3 days. I guess the next 24 hours will tell us more, but we're not sure at this point if this will remain fairly minor and subside quickly, will stay the same for a little bit, or will get worse, where there is a higher grade fever or ear infection, etc. involved.
Marriott was guaranteed with my CSR, so wondering how they might handle the options we are considering.
1. Suck it up and just go as planned (honestly, at the same or worse, not really worth it as we can pay special attention to the baby just as well here elsewhere that requires a long drive and paying for 3 nights of a hotel)
2. Stay back an extra day, and arrive on Sat. instead of Fri.
3. Just cancel the whole thing to let her get her rest here
Any idea how the trip insurance would work for options 2 or 3? Am I right to assume that we'd need the doctor to an exam/authorize a form advising against travel in either case - like I said, I typically wouldn't go to the doctor for something like this unless it has been a few days. Is there even any coverage that would cover situation 2 (my understanding is 'trip cancelation' deals with, as it says, cancelation, but 'trip delay' deals mostly with airline delays, not delays due to illness). Any chance, especially in situation number 2, that I could call the Marriott property and see if they would be willing to help us out (i.e. if we delay the trip by a day, might they be willing to keep/charge us for days 2 & 3 of our existing reservation, while allowing us to skip day 1 without penalty?).
Appreciate any insight from those more experienced than us.
We've been planning to go to Chicago this long weekend - the whole family, including 4 and 1 year old kids both for fun and to attend a friend's celebration. We're driving - since it's only a few hours, so now airfare involved, but staying at a Marriott, which was booked on a standard, refundable rate, but that required cancelation 3 days prior - so by Tuesday for our arrival tomorrow.
Last night, our 1 year old got a low grade fever - nothing to be too concerned about - with kids, it happens - but enough to keep her away from daycare today/tomorrow. Also nothing that is really worth going to the doctor for - our doctor always tells us not to come in unless it is abnormally high, or persists for more than 3 days. I guess the next 24 hours will tell us more, but we're not sure at this point if this will remain fairly minor and subside quickly, will stay the same for a little bit, or will get worse, where there is a higher grade fever or ear infection, etc. involved.
Marriott was guaranteed with my CSR, so wondering how they might handle the options we are considering.
1. Suck it up and just go as planned (honestly, at the same or worse, not really worth it as we can pay special attention to the baby just as well here elsewhere that requires a long drive and paying for 3 nights of a hotel)
2. Stay back an extra day, and arrive on Sat. instead of Fri.
3. Just cancel the whole thing to let her get her rest here
Any idea how the trip insurance would work for options 2 or 3? Am I right to assume that we'd need the doctor to an exam/authorize a form advising against travel in either case - like I said, I typically wouldn't go to the doctor for something like this unless it has been a few days. Is there even any coverage that would cover situation 2 (my understanding is 'trip cancelation' deals with, as it says, cancelation, but 'trip delay' deals mostly with airline delays, not delays due to illness). Any chance, especially in situation number 2, that I could call the Marriott property and see if they would be willing to help us out (i.e. if we delay the trip by a day, might they be willing to keep/charge us for days 2 & 3 of our existing reservation, while allowing us to skip day 1 without penalty?).
Appreciate any insight from those more experienced than us.
May 24, 2019, 8:28 am
#1009
Join Date: Aug 2014
Location: BOS
Posts: 550
Question about coverage due to pregnancy (I did read whatever I could find and it's not quite clear). With tickets booked ~10 month in advance using airline points and taxes paid with CSR, what kind of coverage one might expect from Chase? Trip dates are closer to the end of third trimester, so I assume getting a note from the doctor saying that travel is not advisable is not an issue.
May 24, 2019, 8:36 am
#1010
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
May 24, 2019, 8:56 am
#1011
Join Date: Sep 2014
Posts: 2,531
Question about coverage due to pregnancy (I did read whatever I could find and it's not quite clear). With tickets booked ~10 month in advance using airline points and taxes paid with CSR, what kind of coverage one might expect from Chase? Trip dates are closer to the end of third trimester, so I assume getting a note from the doctor saying that travel is not advisable is not an issue.
However, to be covered you'd have to say pregnancy is included in the following:
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
Of course, you could just present a vaguely-worded letter from your physician saying "I recommend this patient not fly from DateA through DateB because of a medical condition" and give it a try. You could also try this with the airline directly, so you have two shots.
As miasaid if all you're looking at is the re-deposit fees maybe just eat it.
Best of luck!
May 24, 2019, 8:58 am
#1012
Join Date: Sep 2014
Posts: 2,531
I don't have much to add...either go on the trip, or try the hotel directly and then try the insurance.
As for a doctor's note, I bet if you call and say "My baby has a fever of 100.5 and I don't want to travel, can you write me a letter so I can submit it to my travel insurance?" they'd be happy to oblige without an in-person visit.
As for a doctor's note, I bet if you call and say "My baby has a fever of 100.5 and I don't want to travel, can you write me a letter so I can submit it to my travel insurance?" they'd be happy to oblige without an in-person visit.
May 24, 2019, 2:49 pm
#1013
Join Date: Aug 2014
Location: BOS
Posts: 550
Tickets were initially booked for Jan of 2019 via LH with fees paid by CSR. The trip didn't happen due to bad weather and since the original trip was to attend a wedding it didn't make sense to push the trip out by a week, so it got pushed out by 10 month with ticket change fees paid by CSR. From what I understand those LH miles were expiring some time in the spring, so unsure if they can even be re-deposited at this point.
May 26, 2019, 8:14 pm
#1014
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
So we're going to be taking the train/bus to LAX and flying internationally from there next year. I'm still working on the return trip but there's a possibility that we'll fly back into SAN instead of LAX. Would that still be considered a round trip to Chase/eclaimsline or should I ensure that the return flight arrives at LAX too? Would the Amtrak ticket to LA Union Station be sufficient to prove that it's a round trip if we do fly back into SAN and I need to file a claim?
Thanks in advance and apologies if something like that's already been covered. ^
Thanks in advance and apologies if something like that's already been covered. ^
May 26, 2019, 8:30 pm
#1015
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,141
So we're going to be taking the train/bus to LAX and flying internationally from there next year. I'm still working on the return trip but there's a possibility that we'll fly back into SAN instead of LAX. Would that still be considered a round trip to Chase/eclaimsline or should I ensure that the return flight arrives at LAX too? Would the Amtrak ticket to LA Union Station be sufficient to prove that it's a round trip if we do fly back into SAN and I need to file a claim?
Thanks in advance and apologies if something like that's already been covered. ^
Thanks in advance and apologies if something like that's already been covered. ^
May 26, 2019, 9:36 pm
#1016
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I ended up booking the return flight back to LAX after I made that post. However, I did read the Guide to Benefits afterward and found that their definition of Common Carrier is not solely defined as an airline after all. Not sure why I was thinking that before.
In any event, that likely means that if Amtrak or the LAX FlyAway bus cause us to miss our flight (or if the return flight gets back late and we miss the train back) we'd be covered. However, I suspect we'll end up buying at least the bus (if not train) segments very close to--if not actually on--the date of travel (unless there's a reason why we shouldn't buy those earlier).
In any event, that likely means that if Amtrak or the LAX FlyAway bus cause us to miss our flight (or if the return flight gets back late and we miss the train back) we'd be covered. However, I suspect we'll end up buying at least the bus (if not train) segments very close to--if not actually on--the date of travel (unless there's a reason why we shouldn't buy those earlier).
May 26, 2019, 9:40 pm
#1017
Join Date: Sep 2014
Posts: 2,531
In any event, that likely means that if Amtrak or the LAX FlyAway bus cause us to miss our flight (or if the return flight gets back late and we miss the train back) we'd be covered. However, I suspect we'll end up buying at least the bus (if not train) segments very close to--if not actually on--the date of travel (unless there's a reason why we shouldn't buy those earlier).
May 26, 2019, 9:56 pm
#1018
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
(Also, an early enough train would allow some time at Proud Bird before going through security.
)
May 27, 2019, 3:12 pm
#1019
Join Date: Dec 2001
Location: Carlsbad,CA USA
Programs: Marriott Bonvoy Titanuim/Lifetime Platinum, Hilton Gold, United Silver
Posts: 1,534
I git coverage for a trip cancelled for a one-way flight. If you think you may have to invoke the trip cancellation insurance you are better off buying a saver are since those are fully non-refundable and you can get all the money back right away. I had a ticker that was a little over $200 for one way and the airline cancellation fee was $150, so I got the $150 back after submitting the claim, then had to wait a year to submit another claim for the rest of the ticket charge.
May 28, 2019, 5:53 pm
#1020
Join Date: Apr 2012
Posts: 102
I've searched this thread a few different ways, and while I see this issue addressed, I don't find a clear answer.
I bought two plane tickets on American for my wife using my American Aadvantage points, and I paid the nominal fees with my CSR. She's going to have to cancel her trip for medical reasons - documentation will be no problem.
I've called American and I can redeposit the points, but I will incur a change fee for each ticket.
From what I can tell, the Chase insurance will either pay my redeposit fees or I'll be paid $.01/mile for the miles I spent. Is this correct?
I bought two plane tickets on American for my wife using my American Aadvantage points, and I paid the nominal fees with my CSR. She's going to have to cancel her trip for medical reasons - documentation will be no problem.
I've called American and I can redeposit the points, but I will incur a change fee for each ticket.
From what I can tell, the Chase insurance will either pay my redeposit fees or I'll be paid $.01/mile for the miles I spent. Is this correct?