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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments

CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments

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Old Aug 21, 19, 10:15 pm   -   Wikipost
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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 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

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. No one has reported having meals or accommodations shared with other traveling companions turned down as long as you're under $500.
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? For Trip Delay, Yes, see below under "Experiences" -- 12/2017. (Also you are covered for Trip Cancellation / Interruption, see below)
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? Reports vary from "no" to "only with a meal" to "yes"
Does it cover tips? Reports vary from "no" to "only up to 20%" to "yes"
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. 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 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 doesnít 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? Unknown, no reports on this thread. 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.

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. 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

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? From the CSR guide: "Covered Trip also includes covered trips awarded from frequent flier or points programs provided that all of the miles or points were accumulated from charges on the Insured Personís Account."
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
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 -- 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.
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.
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.

Experiences:
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Old Jul 3, 19, 9:51 am
  #1066  
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Originally Posted by 747FC View Post


Aside from your Uber, hotel and food receipts, what other documents did you forward?
THe original United emailed receipt and itinerary showing it was charged to the card, and the updated itinerary showing the delay, and a screenshot from my phone of the UA app saying my flight was delayed due to air traffic control.
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Old Jul 6, 19, 11:14 pm
  #1067  
 
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Paying partially for a ticket with UR points

I have Delta credit that will cover most of the price of a ticket and will pay the balance with my Chase Sapphire Reserve Card- will I be covered by CSR trip cancellation coverage.
If I use Delta mileage to pay for a ticket and pay the $5.60 taxes with my Sapphire Reserve Card am I covered? This I am finding ambiguous as I read thru benefit guide in one place it says only covers if use points earned from a Chase card but in another paragraph says it will reimburse $.01 per point.
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Old Jul 10, 19, 10:30 am
  #1068  
 
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I am posting here since United Explorer policy is listed here too. I have the United explorer business card and I am planning to use ~15 bucks (partial ticket fee to secure the benefits of insurance) and the rest using gift cards on AA international flight (rather than paying +$30 trip insurance)...Can anyone confirm that if something bad happens I am totally covered with trip insurance/bag delay...etc policies? or just up to the payment I paid using my united explorer card? I know other cards (not chase) they typically specify in their policies that reimbursement is up to the amount charged by the card or even some cards specify that the whole amount should be charged on that card.

Really appreciate a confirmation.
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Old Jul 11, 19, 11:56 am
  #1069  
 
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American award to Europe with (minor) taxes paid by CSR. Bag stranded in PHL 48 hours and counting. Earliest possible delivery would be two more days from now, given the flight schedule and location we are in. Three week trip moving around Europe. Iím highly doubtful it will catch up with us. But anyway. Have already had to purchase pants, shirt, jacket, hiking shoes, underwear and socks (hiking in Switzerland). Headed to the Riviera next and totally different climate thus different clothing needs. I know thereís an approx $1500 limit for replacements with airline. While I wouldnít have expected to exceed $1500, Iíve already spent $450 on the items listed above bc our location is somewhat remote and very few shopping options. For ex, cheapest pants/jeans locally was $100. Souvenir T-shirt $35. And in two days Iíll actually need to purchase a suitcase or duffle to travel onwards. Is the protocol to file with airline, wait it out, then file for remaining, if any, with CSR? Iím paranoid I wonít be covered bc only paid a few bucks on CSR for award tax.

Iím also trying to figure out how CSR would ever be on the hook for $100/day if itís secondary coverage and the airlines go to $1500.
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Old Jul 11, 19, 8:33 pm
  #1070  
 
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If my (Jet Blue) flight has been delayed due to weather for >6 hours, and I book a different airline (Southwest) to get to my destination earlier, is the price difference covered? From what Iíve read, no.
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Old Jul 11, 19, 9:12 pm
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Has chase administrator ever enforced that the award tix have to be on a chase partner ? Thx
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Old Jul 12, 19, 6:55 am
  #1072  
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Originally Posted by traveler202 View Post
....is the price difference covered? From what Iíve read, no.
No it is not.
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Old Jul 13, 19, 1:38 pm
  #1073  
 
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Paid Trip with Amex Points, Paid Taxes with Sapphire

So I redeemed a Delta flight via Virgin Atlantic with Amex MR and CIti ThankYou points, and paid the taxes with my Chase Sapphire. Am I covered under Sapphire's trip protection?

If not, then would using 1 UR point have covered me? Or do I have to pay in full with UR Points?

Thanks in advance if anyone can answer this.
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Old Jul 14, 19, 3:07 am
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Originally Posted by TLDR Finances View Post
So I redeemed a Delta flight via Virgin Atlantic with Amex MR and CIti ThankYou points, and paid the taxes with my Chase Sapphire. Am I covered under Sapphire's trip protection?
Yes.

To be perfect clear, the origin of the miles/points is never a factor. The only factor considered for the coverage is if you use any qualified card to pay for the rest of the trip (i.e. tax and surcharges).
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Old Jul 14, 19, 8:55 pm
  #1075  
 
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Thanks
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Old Jul 14, 19, 10:10 pm
  #1076  
 
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Have people paid for a cruise using the Chase Sapphire Reserve card and filed an insurance claim? It's a 12-day cruise that will be costing me about $ 6,600. The cruise company wants around $500 for insurance.

Planning on using miles for my plane flights and paying taxes and surcharges with my Sapphire Reserve Card. I assume I am covered. Would the insurance cover the deposit fees if I cancel the flights?
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Old Jul 15, 19, 1:08 am
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Originally Posted by holocker View Post
Have people paid for a cruise using the Chase Sapphire Reserve card and filed an insurance claim? It's a 12-day cruise that will be costing me about $ 6,600. The cruise company wants around $500 for insurance.

Planning on using miles for my plane flights and paying taxes and surcharges with my Sapphire Reserve Card. I assume I am covered. Would the insurance cover the deposit fees if I cancel the flights?
You need to read the terms and conditions for the CSR policy. For example, if you cancel because you are sick for an illness/condition that pre-existed your reservation, you are not covered.
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Old Jul 16, 19, 12:54 pm
  #1078  
 
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Canceling trip purchased w/ UR points

Apologies in advance because I am in too much pain to read the entire thread in search of an answer.

Purchased tickets to LHR using UR points. Broke my ankle last week so I now need to cancel. Wanted to just push it back, but United wanted $5k per ticket for the new higher fare. As a result, canceling rather than changing is our only real option.

I have spoken to folks at Chase and at eclaimsline and received different answers to the question of the form of the reimbursement. The Chase travel person said reimbursement would be in same currency as payment, so my UR points would be refunded. Eclaimsline (which processes the claim) said I would be reimbursed the cash price of the tickets.

Does anyone have experience with this and know what they really do?

From what I have read it sounds likely that United will issue credit that I will not be able to use (due to the fare difference) and that I will need to wait until March 2020 (one year after tickets issued) to prove that I forfeited the credit. Does this sound right? And how do I prove credit remained unused?

I know United thinks they are being nice offering credit, but it would be easier if they just said no refund/no credit so I would not have to wait. Is there any chance they might do that (I know that's a bit out of this forum's topic area)?
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Old Jul 16, 19, 5:06 pm
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Originally Posted by lexdevil View Post
From what I have read it sounds likely that United will issue credit that I will not be able to use (due to the fare difference) and that I will need to wait until March 2020 (one year after tickets issued) to prove that I forfeited the credit. Does this sound right? And how do I prove credit remained unused?
Are you saying you have no plans to pay for any other travel on UA before March? You should be able to cancel and then use the funds toward any future travel after you pay the change fee. You can then pursue the change fee with eclaimsline.
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Old Jul 16, 19, 5:39 pm
  #1080  
 
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Originally Posted by nookanaya View Post
Are you saying you have no plans to pay for any other travel on UA before March? You should be able to cancel and then use the funds toward any future travel after you pay the change fee. You can then pursue the change fee with eclaimsline.
I'm a teacher. Next vacation opportunity will be next July, well past the expiration of the credit.

Most of my travel is work related. Not going to burn United credit on that. They might reimburse me for it, but hard to say. I would rather not deal with the complication.
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