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)
Oct 25, 2018, 9:00 pm
#796
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,141
Here's from the guide:
I'm guessing Quarantine has a technical definition (it's not defined in the guide), so maybe you could push that angle. Pregnancy is not a Sickness (defined as "illness or disease"), and none of the other conditions are applicable. I'm pretty sure the policy writers were trying not to cover pregnancy here, actually.
You could always try AA again and see if they'll waive the change fee after the fact.
I'm guessing Quarantine has a technical definition (it's not defined in the guide), so maybe you could push that angle. Pregnancy is not a Sickness (defined as "illness or disease"), and none of the other conditions are applicable. I'm pretty sure the policy writers were trying not to cover pregnancy here, actually.
You could always try AA again and see if they'll waive the change fee after the fact.
Per Wikipedia https://en.wikipedia.org/wiki/Quarantine :
A quarantine is used to separate and restrict the movement of people; it is 'a restraint upon the activities or communication of persons or the transport of goods designed to prevent the spread of disease or pests', for a certain period of time.[1] This is often used in connection to disease and illness, such as those who may possibly have been exposed to a communicable disease.
Oct 27, 2018, 5:36 pm
#797
Join Date: Dec 2010
Location: DEN
Programs: SPG Gold, UA Gold, Marriott Gold
Posts: 79
Question regarding delayed flight/cc insurance
We took a flight from DEN-SFO-CDG on United. The SFO-CDG flight was delayed a little over 5 hours. This delay caused us to miss a flight from Paris to Rome on Air France, so we purchased new tickets to Rome on Vueling.
the DEN-CDG and original Air France flight to Rome were purchased with our chase united cards. Is this a situation where Chase’s trip insurance will help reimburse us for the missed flight? I’ve never tried to use it before so any help would be appreciated.
the DEN-CDG and original Air France flight to Rome were purchased with our chase united cards. Is this a situation where Chase’s trip insurance will help reimburse us for the missed flight? I’ve never tried to use it before so any help would be appreciated.
Oct 27, 2018, 8:40 pm
#798
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
We took a flight from DEN-SFO-CDG on United. The SFO-CDG flight was delayed a little over 5 hours. This delay caused us to miss a flight from Paris to Rome on Air France, so we purchased new tickets to Rome on Vueling.
the DEN-CDG and original Air France flight to Rome were purchased with our chase united cards. Is this a situation where Chase’s trip insurance will help reimburse us for the missed flight? I’ve never tried to use it before so any help would be appreciated.
the DEN-CDG and original Air France flight to Rome were purchased with our chase united cards. Is this a situation where Chase’s trip insurance will help reimburse us for the missed flight? I’ve never tried to use it before so any help would be appreciated.
Look in the wikipost and you will see:
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.
Which Chase card do you have? Look in the wikipost again, under FAQs, and you will see how many hours you must be delayed for coverage to kick in. Since your flt was delayed <6 hrs I don't think you're entitled to anything.
I'm guessing UA offered to put you on another flight but you choose to buy a new ticket to get to Rome sooner??
Last edited by philemer; Oct 27, 2018 at 8:46 pm
Oct 27, 2018, 9:28 pm
#799
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
It sounds as if the Paris to Rome flight was on a separate ticket, and UA would not have provided any protection for the missed connection.
Oct 27, 2018, 9:40 pm
#800
Join Date: Dec 2010
Location: DEN
Programs: SPG Gold, UA Gold, Marriott Gold
Posts: 79
Correct. MileagePlus chase card. We flew to Paris on UA, but Paris to Rome was on Air France. We had a 4 hour layover but missed the flight because our UA flight was delayed 5 hours (mechanical issues)
Oct 27, 2018, 10:25 pm
#801
Join Date: Sep 2014
Posts: 2,531
No Chase protection will pay for your new ticket.
What time were you scheduled to land in Rome and what time did you actually arrive? If you were more than 12 hours late or the delay was "overnight", then you might get incidentals like meals and hotels reimbursed. If you landed less than 12 hours late same day, then no. (Note MP Explorer is 12 hours, CSR is 6 hours.)
I would have presented myself at the Air France counter 1 hour after the flight and hoped for a flat tire rule accommodation on the next Air France flight (maybe you did this and they said no?).
Four hours is usually enough for a non-protected separate-ticket connection, but when it's not, there is not much you can do other than to eat the cost and think about how much you saved vs. buying a ticket to your actual destination.
I hope the Vueling flights were not too expensive and you were able to enjoy your time in Rome!
What time were you scheduled to land in Rome and what time did you actually arrive? If you were more than 12 hours late or the delay was "overnight", then you might get incidentals like meals and hotels reimbursed. If you landed less than 12 hours late same day, then no. (Note MP Explorer is 12 hours, CSR is 6 hours.)
I would have presented myself at the Air France counter 1 hour after the flight and hoped for a flat tire rule accommodation on the next Air France flight (maybe you did this and they said no?).
Four hours is usually enough for a non-protected separate-ticket connection, but when it's not, there is not much you can do other than to eat the cost and think about how much you saved vs. buying a ticket to your actual destination.
I hope the Vueling flights were not too expensive and you were able to enjoy your time in Rome!
Oct 31, 2018, 7:30 pm
#802
Join Date: Oct 2018
Programs: AA Gold
Posts: 10
Thanks everyone for the replies. Been away for several days and just now catching up on things.
My apologies. I'm having trouble w the multi-quote option
@Xyzzy...Correct...I was attempting to claim compensation based on her physician recommending the trip was "medically inadvisable." My guide reads the same as yours so your point regarding cancelling when someone MAY get sick vs IS currently sick is how I think they are denying this. However, I had assumed since her physician felt the trip was "medically inadvisable" I would be covered since that is the way the guide reads (as you mentioned earlier in your post).
@747FC...I agree. I don't think the quarantine claim would work since cancellation was solely precautionary and she is not sick.
@threeoh...I just replied to the AA customer relations email and asked for a phone call and attached the MD letter. Will try that route before calling the CSR claims line.
Bottom line, this is a challenging situation and I don't think anyone would knowingly act against the advice of their wife's physician and potentially put their unborn child in harm's way as in my case. Whether AA or an insurance company agrees with a physician's recs and my actions as a result of that is what needs to be called into question.
My apologies. I'm having trouble w the multi-quote option
@Xyzzy...Correct...I was attempting to claim compensation based on her physician recommending the trip was "medically inadvisable." My guide reads the same as yours so your point regarding cancelling when someone MAY get sick vs IS currently sick is how I think they are denying this. However, I had assumed since her physician felt the trip was "medically inadvisable" I would be covered since that is the way the guide reads (as you mentioned earlier in your post).
@747FC...I agree. I don't think the quarantine claim would work since cancellation was solely precautionary and she is not sick.
@threeoh...I just replied to the AA customer relations email and asked for a phone call and attached the MD letter. Will try that route before calling the CSR claims line.
Bottom line, this is a challenging situation and I don't think anyone would knowingly act against the advice of their wife's physician and potentially put their unborn child in harm's way as in my case. Whether AA or an insurance company agrees with a physician's recs and my actions as a result of that is what needs to be called into question.
Oct 31, 2018, 8:04 pm
#803
Join Date: Apr 2004
Location: Boston, MA
Programs: AMEX Centurion/Platinum, SPG Platinum, ICH Platinum, UA 1K, Delta Gold, Hilton Gold
Posts: 441
CSR: Trip Delay Success for Two
I recently received a direct deposit of $1,000 ($500 each for the wife and I) for an overnight delay due to weather that caused the crew to time-out (LAX-IAD-BOS). Instead of taking the scheduled flight the next morning, I extended the trip through the evening. Once I got back to the connecting airport that night, I made sure to request a military waiver before I left the airport and scanned all receipts with a phone app. The actual claim was over $1,000 in case they denied some charges, but no problems in that aspect. Reimbursed for hotel, CVS for toiletries and beauty products, breakfast, Starbucks, clothes and underwear, dinner, battery charger, and Uber trips while in IAD and also back at home.
Process was drawn out. I submitted all required documents and they came back twice to ask for a copy of the reason for the delay and receipts (which was already provided). It took 8 weeks from first submission in early September until paid out.
Overall, a very good benefit to have in case of flight issues!
Process was drawn out. I submitted all required documents and they came back twice to ask for a copy of the reason for the delay and receipts (which was already provided). It took 8 weeks from first submission in early September until paid out.
Overall, a very good benefit to have in case of flight issues!
Nov 1, 2018, 9:25 am
#804
Join Date: Sep 2014
Posts: 2,531
Bottom line, this is a challenging situation and I don't think anyone would knowingly act against the advice of their wife's physician and potentially put their unborn child in harm's way as in my case. Whether AA or an insurance company agrees with a physician's recs and my actions as a result of that is what needs to be called into question.
I think they were pretty carefully excluding the risk of someone getting pregnant, and also the risk of a region of the world having a disease outbreak. They were only assuming the risk of an individual traveler getting sick or injured, etc.
As an extreme example, if a mobster came to your door and said "if you take your flight on Tuesday, I'll kill you", you would also maybe skip your flight and with good reason -- but the insurance company wasn't insuring against that.
Nov 4, 2018, 8:14 am
#805
Join Date: Jan 2012
Posts: 117
I recently received a direct deposit of $1,000 ($500 each for the wife and I) for an overnight delay due to weather that caused the crew to time-out (LAX-IAD-BOS). Instead of taking the scheduled flight the next morning, I extended the trip through the evening. Once I got back to the connecting airport that night, I made sure to request a military waiver before I left the airport and scanned all receipts with a phone app. The actual claim was over $1,000 in case they denied some charges, but no problems in that aspect. Reimbursed for hotel, CVS for toiletries and beauty products, breakfast, Starbucks, clothes and underwear, dinner, battery charger, and Uber trips while in IAD and also back at home.
Process was drawn out. I submitted all required documents and they came back twice to ask for a copy of the reason for the delay and receipts (which was already provided). It took 8 weeks from first submission in early September until paid out.
Overall, a very good benefit to have in case of flight issues!
Process was drawn out. I submitted all required documents and they came back twice to ask for a copy of the reason for the delay and receipts (which was already provided). It took 8 weeks from first submission in early September until paid out.
Overall, a very good benefit to have in case of flight issues!
Nov 4, 2018, 3:06 pm
#807
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Trip Delay is not a lottery ticket. Buy what you need, not what you can, else these benefits dissipate. However, in this instance it sounds as if they did not have access to their checked bags which required buying some clothing, which can be expensive.
Nov 4, 2018, 3:54 pm
#808
Join Date: Sep 2014
Posts: 2,531
For me, a critical piece of the benefit is that in a stressful situation (an unexpected delay during travel), part of that stress is relieved by knowing you don't have to be super-pinchy with your pennies.
To be very clear, I'm not advocating for buying $499 of clothing and cell phone chargers and re-selling them on eBay. That would be ethically sketchy at best and fraudulent at worst. I'm saying:
- stay in the $200 hotel near the airport instead of taking a 30-minute shuttle to the $150 hotel
- buy a new t-shirt instead of re-wearing dirty clothes
- have a meal and a drink at an overpriced airport restaurant while you wait for an ongoing weather delay rather than sitting at the gate
- ...and when you finally land take a taxi home instead of public transport.
Re the OP's claim: if you take taxis from/to IAD, stay in a hotel in D.C., eat three meals, and buy one moderately-priced outfit, you will blow past the $500 cap in no time. Could the OP have managed an overnight stay at IAD by choosing an early-morning replacement flight, staying at the cheapest airport hotel, eating fast food, and re-wearing their clothes? Yes. My question was: why would they when they had up to $500 per person in coverage to pass their delay in a more pleasant and less stressful way?
Nov 7, 2018, 3:56 pm
#809
Join Date: Apr 2004
Location: Boston, MA
Programs: AMEX Centurion/Platinum, SPG Platinum, ICH Platinum, UA 1K, Delta Gold, Hilton Gold
Posts: 441
You hit it right on the money. Could we have woken up at 4am for the first available flight out to Boston at 6am? Yes, but that seems like an awful way to cap a vacation. If we are going to stay overnight anyway, why not enjoy it if time permits?
Hotel was roughly $250. Make-up and toiletries was close to $200. Uber rides (5 of them) was $200. Clothes for two people (underwear, socks, pants, shirt) $200. The other $150 comprised of two cups of Starbucks coffee and dinner before we took a flight. $1,000 for 2 people isn't that much when you don't have your own baggage available.
Hotel was roughly $250. Make-up and toiletries was close to $200. Uber rides (5 of them) was $200. Clothes for two people (underwear, socks, pants, shirt) $200. The other $150 comprised of two cups of Starbucks coffee and dinner before we took a flight. $1,000 for 2 people isn't that much when you don't have your own baggage available.
Nov 13, 2018, 5:09 pm
#810
Join Date: Jul 2014
Posts: 88
Chase Sapphire Reserve - flight cancellation situation, benefits denied
I had bought a roundtrip flight through China Southern to Beijing, the flight back (Beijing to Guangzhou to LAX) was canceled due to the typhoon. I could not reach China Southern the same day since all their lines were busy. I had to buy a new ticket through American Airlines the next day from Beijing to DFW to LAX for $350. I had to stay one night and ate one meal. 1.5 months later, I got a partial refund back from China Southern due to the cancellation of $250. I submitted a claim under Flight Cancellation/ Interruption for a $100 reimbursement flight ticket (difference of the AA flight compared to China Southern flight), $100 for the hotel stay, and $50 for the extra meal. This was submitted all together. I got a reply today that it was denied due to:
New airfare/transportation costs are not covered under the program. The benefit provides coverage for eligible unused prepaid expenses.
I was under the impression that everything would be covered, but I guess it's only for flights already prepaid and if the airline does not reimburse you (which is highly unlikely, since you couldn't take the flight). So am I correct to think that this flight cancellation/ interruption benefit isn't all that great? What would you guys do if in my situation where your return flight got cancelled? I guess I may have came into this thinking I'd be covered if it was due to weather but now I have to readjust my expectations.
New airfare/transportation costs are not covered under the program. The benefit provides coverage for eligible unused prepaid expenses.
I was under the impression that everything would be covered, but I guess it's only for flights already prepaid and if the airline does not reimburse you (which is highly unlikely, since you couldn't take the flight). So am I correct to think that this flight cancellation/ interruption benefit isn't all that great? What would you guys do if in my situation where your return flight got cancelled? I guess I may have came into this thinking I'd be covered if it was due to weather but now I have to readjust my expectations.