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)
Jul 21, 2019, 6:03 am
#1096
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Jul 21, 2019, 11:26 am
#1097
Join Date: Sep 2010
Posts: 176
I paid for my united flight using the amex portal and have since canceled that amex card. My flight was canceled at newark tonight so I'm in a hotel. I paid for my checked baggage today using my sapphire reserve card, does this qualify me for the trip cancel insurance? I saw that if you pay for taxes or fees it does, but I didnt specifically see that baggage fees are a qualifier. thanks
Jul 21, 2019, 1:31 pm
#1098
Join Date: Mar 2009
Location: LAX
Posts: 3,267
Unlikely, but you can always try. The full terms of the benefit specify that some portion of the "travel fare" has to have been charged to the card. You could argue that baggage fees are part of the "travel fare," but it sounds like a stretch to me.
Jul 21, 2019, 2:19 pm
#1099
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,943
Purchased a train ticket with CSR for family of five. Each person has $500 for delay etc, yes? This train is known for delays and problems (Thello). Also, is stolen luggage covered? Seems to be a problem on this train. And before you ask why I’d go on such a train, there were no other options. Sigh.
Jul 21, 2019, 3:39 pm
#1100
Join Date: Jan 2003
Location: NYC
Posts: 8,498
I ask this question in all seriousness: has anyone actually been successful in getting eclaimsline to pay a CSR Trip Cancellation claim? I have a simple claim; my wife had a knee injury requiring surgery, note from the doctor, screenshot of the terms of the cancelled flight (British Airways completely non refundable except for taxes), and they refuse to pay the claim without written documentation from BA saying no credits were provided by the ticket. BA of course will provide nothing in writing for any reason because their customer service is abysmal. This has gone on for months (going on month 4), and they make one excuse after another for not paying the claim. Has anyone run into this and been able to get them to pay? If so, how? I am thinking about small claims court as the next step...
FWIW I had a successful claim recently. It was a TAP Air Portugal ticket for my child, who got sick a day before the trip and whose pediatrician recommended against travel. The ticket actually turned out to be partially refundable (which I didn't even realize when I booked it), and the refundability terms were right in the receipt for the ticket, so I sent Chase (1) the receipt showing the refundability terms and the cancellation fees, (2) a copy of the refund invoice showing the amount of the refund, (3) a written breakdown showing what I paid, what I got back, and the nonrefundable parts (seat reservations and the cancellation fees) with cross-references to the places in the other docs where the charges are shown and explained. I believe the breakdown helped significantly to speed the claim along, although it also probably helped that we were really just claiming cancellation fees and seat reservation fees, which probably made our claim a lot smaller than most trip cancellation claims.
Here's my breakdown FYI:
Jul 21, 2019, 7:42 pm
#1101
Join Date: Nov 2002
Location: Boston, MA
Programs: AA EXP, B6 Mosaic, UA Plat, Bonvoy Plat, Hyatt Globalist
Posts: 1,777
Is it both nonrefundable AND non-changeable? If it's changeable (even if there's a steep change fee), then Chase maytake the position that you still have the value of the ticket (minus the change fees) to use until it expires. If it was truly a no refunds/no changes ticket, then you should be able to send them documentation pointing to that policy and they should be OK with it. Just be as clear as you can.
Jul 21, 2019, 8:12 pm
#1102
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,890
It was non-refundable and the only changes allowed (for a fee) were date changes. The fare could not be used as a credit toward a ticket to another destination. I will not be able to return to the same destination within a year of the original ticket purchase, so, upon instructions from eclaimsline, I cancelled the ticket. On cancellation the only refundable portion was the taxes, minus a cancellation fee which was greater than the taxes. All of this was in the language describing the fare which I sent to them, which is the only documentation BA will provide. Despite all the documentation, they insist that they need specific wording from BA that BA will not provide, so I am stuck...
Example: I've had three occasions in recent memory (i.e., the last few years) where I've had to cancel a hotel beyond the time where I was allowed a full refund. The case I talked about above, and where I successfully made the claim, is the only time I wasn't refunded by the property directly, despite the fact that by policy, they shouldn't have. Once was a weather issue and we couldn't get to where we were supposed to be. I can't recall the other time. But both times it was done without issue. This time, they said they were going to have it looked at, and they came back with a no. They also offered, at the time I canceled, to waive the penalty if I delayed the arrival date, vs. outright cancelled (I.e. stayed/paid for the last 2 nights instead of all 3), but that wasn't going to work either. Now that I recall, eclaimsline did mention that if I couldn't provide a letter that I wasn't getting a refund, that they would be willing to contact them themselves, but I got mine so it didn't come to that.
Jul 22, 2019, 1:33 am
#1103
Join Date: Nov 2002
Location: Boston, MA
Programs: AA EXP, B6 Mosaic, UA Plat, Bonvoy Plat, Hyatt Globalist
Posts: 1,777
Based on my experience, yours and other reports, they want to ensure that the carrier (or hotel, or whatever) isn't making an exception to go beyond their stated policy and isn't giving you something in return. Sometimes, airlines, hotels, etc. will go beyond their policy and provide a refund where they don't have to, or a hotel will provide the credit for a different night. They don't want to be doling out cash for someone to be reimbursed twice, which in addition to being fraudulent is almost certainly agains the terms of the agreement.
Jul 22, 2019, 8:25 am
#1104
Join Date: Sep 2014
Posts: 2,531
I paid for my united flight using the amex portal and have since canceled that amex card. My flight was canceled at newark tonight so I'm in a hotel. I paid for my checked baggage today using my sapphire reserve card, does this qualify me for the trip cancel insurance? I saw that if you pay for taxes or fees it does, but I didnt specifically see that baggage fees are a qualifier. thanks
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Purchased a train ticket with CSR for family of five. Each person has $500 for delay etc, yes? This train is known for delays and problems (Thello). Also, is stolen luggage covered? Seems to be a problem on this train. And before you ask why I’d go on such a train, there were no other options. Sigh.
I agree BA should provide that but it sounds like they are resistant to providing a "formal letter". To get around that, you could try contacting them in a written medium (twitter, customer service form online) and just ask for a refund. Don't mention insurance claim, proof, documentation, etc. Just say "I'd like a refund for flight XXX". Hopefully they'll write back and say no refund is due.
Jul 25, 2019, 8:54 pm
#1105
Join Date: Aug 2005
Location: HPN
Programs: not anymore! I'm FREE!
Posts: 3,459
I understand why they are doing it but in practice it means I effectively had no insurance in this instance when I thought I did. If they would be willing to wait through the BA hold times they could hear it directly from an agent (they have tried and given up twice, telling me they can't wait more than a few minutes). My point is just that their service is really bad and it seems to me that you get what you pay for with this insurance.
Jul 28, 2019, 6:36 pm
#1106
Join Date: Jan 2019
Posts: 59
its travel costs that are required to be paid yes? hotels don't trigger the coverage?
found a too good to pass up fare with amex travel partner booking, will book hotels with CSR for the trip though
savings were nearly the amount of a cancellation fee if things went sideways/illness, but made me think to check if I could backdoor my way into CSR trip protection
found a too good to pass up fare with amex travel partner booking, will book hotels with CSR for the trip though
savings were nearly the amount of a cancellation fee if things went sideways/illness, but made me think to check if I could backdoor my way into CSR trip protection
Jul 30, 2019, 3:17 pm
#1107
Join Date: Feb 2017
Programs: AX Plat, SPG Gold, Marriott Gold
Posts: 3
I have a question about bag delay protection. I have filed a claim with the airline b/c bag still missing 3 weeks after flight. Replacement costs exceed the ~$1500 cap on international travel by a few hundred. Original bag contents about $1400. So basically the total between my contents and my replacements is around 3200. I also filed a claim with Chase. Here's my concern, assuming my bag is lost forever: While I did "replace" items, they are not the items I lost and I was limited regarding what I could purchase (owing to remote location, lack of time, etc). For example, I had to replace waterproof shoes with non-waterproof for sheer lack of options. I realize I should not be reimbursed for contents AND replacements, but there are some items that I will now have to truly replace. I also did not replace everything in my bag b/c turns out I didn't need a few of the items that I'd packed. So my question is this: If my replacement "overage" from the cap is $300 and my original contents are >$200, will Chase kick in the difference up to $500?
Jul 30, 2019, 4:43 pm
#1108
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
The Company’s liability will be the actual cash value (replacement
cost less depreciation) of the articles at the time of loss up to the
maximum benefit amount. The Lost Luggage benefit is in excess of
any travel insurance purchased by the Insured Person for the same
Covered Trip or indemnity or reimbursements by the airline, cruise
line, railroad, station authority, occupancy provider available to you.
cost less depreciation) of the articles at the time of loss up to the
maximum benefit amount. The Lost Luggage benefit is in excess of
any travel insurance purchased by the Insured Person for the same
Covered Trip or indemnity or reimbursements by the airline, cruise
line, railroad, station authority, occupancy provider available to you.
Aug 1, 2019, 1:17 am
#1109
Join Date: Nov 2010
Programs: IHG Platinum
Posts: 1,066
Would you charge the below expenses on Chase Sapphire (the downgraded version) or Citi AA Platinum Select?
1. Taxes and fees of award tickets using AA miles
2. Contiki tour costing ~$1,100
I'm thinking of charging no. 1 to Chase Sapphire (but want to make sure AA miles are covered) and no. 2 to Citi AA Plat as I just got approved for this card and want to work towards the minimum spend.
or would it be better for me to charge both to the Citi AA card?
Anyone have experience on how the Chase trip cancellation vs. Citi AA compare? (I have experience with Chase but not Citi)
1. Taxes and fees of award tickets using AA miles
2. Contiki tour costing ~$1,100
I'm thinking of charging no. 1 to Chase Sapphire (but want to make sure AA miles are covered) and no. 2 to Citi AA Plat as I just got approved for this card and want to work towards the minimum spend.
or would it be better for me to charge both to the Citi AA card?
Anyone have experience on how the Chase trip cancellation vs. Citi AA compare? (I have experience with Chase but not Citi)
Aug 3, 2019, 2:54 pm
#1110
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,890
Made an error and hoping someone can help with potential resolutions.
Booked a trip to LAX a few days ago. Flights on UA, and then a hotel, with a refundable up until 3 days prior reservation. Hotel was properly guaranteed with my CSR. Flights were paid for part by UA Travelbank, but the balance I selected the wrong card off my profile, so that was paid with my UA Select card, when I meant to use my CSR. Traveling with our kids (4 and 1), and given the history, the insurance is important - since, well....kids get sick more than we do (we used trip cancelation, for example, just a couple of months ago because of that). If it was just me and the wife, I wouldn't be too concerned.
So, obviously, the hotel is covered based on the fact we guaranteed with the CSR. I think I know the answer, but would the flights be, if we needed to delay/cancel due to one of them getting sick?
Assuming the answer is no (and that's what I assume), any way to get CSR insurance coverage on the air portion, which obviously, is the more expensive one to cancel. I did try to see if UA could switch the payment card, but they were unable. If I need to buy third-party coverage (i.e., Allianz), I could, I suppose, but would for obvious reasons prefer to use the CSR coverage I already have. Would buying an ancillary in advance (i.e., maybe an E+ seat for one of us on one flight, buying an upgrade, etc.) be enough to get the CSR coverage if we need it? Is there anything else that could possibly get the CSR coverage to kick in?
Appreciate any advice one might have.
Booked a trip to LAX a few days ago. Flights on UA, and then a hotel, with a refundable up until 3 days prior reservation. Hotel was properly guaranteed with my CSR. Flights were paid for part by UA Travelbank, but the balance I selected the wrong card off my profile, so that was paid with my UA Select card, when I meant to use my CSR. Traveling with our kids (4 and 1), and given the history, the insurance is important - since, well....kids get sick more than we do (we used trip cancelation, for example, just a couple of months ago because of that). If it was just me and the wife, I wouldn't be too concerned.
So, obviously, the hotel is covered based on the fact we guaranteed with the CSR. I think I know the answer, but would the flights be, if we needed to delay/cancel due to one of them getting sick?
Assuming the answer is no (and that's what I assume), any way to get CSR insurance coverage on the air portion, which obviously, is the more expensive one to cancel. I did try to see if UA could switch the payment card, but they were unable. If I need to buy third-party coverage (i.e., Allianz), I could, I suppose, but would for obvious reasons prefer to use the CSR coverage I already have. Would buying an ancillary in advance (i.e., maybe an E+ seat for one of us on one flight, buying an upgrade, etc.) be enough to get the CSR coverage if we need it? Is there anything else that could possibly get the CSR coverage to kick in?
Appreciate any advice one might have.