CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)
 

Hi everyone,

Been a long time follower of the forum, just never created an account.
Just have a question that i am hoping I could get some answers. I purchased a trip package(Flight and Hotel) using my Chase Sapphire Card. However, I had to cancel the trip last minute due to the death of my Aunt. I purchased the trip on cheapcarribean.com for 1800. Due to cancellation last minute, I was charged 800 total ( per talking to the rep, the hotel charges one night and the airfare charge 150$ per ticket).

Just wondering if i could file a claim through chase sapphire trip cancellation insurance to recoup the 800?

thanks in advance

Sorry for your loss.

It is a covered loss as:

When Immediate Family Member means:

I know this will be insulting. But please try to obtain a copy of your aunt's death certificate. This will be the key of success (or failure) of the claim.

OP

Sorry for the loss of your Aunt.

A question to the group: Is this topic, trip insurance, covered in any threads? I took a quick look and did not find anything. It would be really helpful to know what card(s) offer this protection and anybody with firsthand experience in recovering a claim.

Cards I currently have include but not limited to: Barclay Arrival, Citi AA, AMEX BCE & BCP, Chase SW, Chase Ink Business, Citi COSTCO Visa, Discover IT & Miles and likely several others that do not come to mind right now.

Thanks in advance.

I am not sure if this is the proper thread. maybe i need admin help to move this thread?
thanks.

Moderator observation
 

This thread is in the correct forum, and garykung's reply seems to answer your question. Is there something more that you need to know?

My poor experience with Chase's Trip Cancellation Insurance
 

This thread is mostly for me to vent :mad::mad::mad: and give warning to people in similar situations in the future. Also seeking input on if this has happened to others before!

I have a Chase Sapphire Preferred card. I purchased a flight for $310 through the Chase Ultimate Rewards travel portal (on Asiana Airlines), and paid with my Sapphire Preferred. Unfortunately, the day before I was supposed to take off, I had a medical emergency and the doctor recommended that I not travel. I had to cancel my flight, but knew I had trip cancellation insurance through the Sapphire Preferred card.

I call Chase Ultimate Rewards to cancel my flight. They said I was subject to a $90 cancellation fee. No big deal, I thought - I had the cancellation insurance. Chase refunded me the $310 and charged me a separate $90 cancellation fee on my card. I had no communication with Asiana Airlines, and everything on my credit card related to this showed up as CL * Chase Travel.

I file a claim with Chase's 3rd party trip insurance provider to recoup the $90. After a week or so, they deny my claim. They said they cannot give me any money, because I had technically been fully reimbursed for the $310 by Chase! Even though there was a separate cancellation fee, that was not enough to trigger any sort of reimbursement. The claims agent told me that if I had been only refunded $220, then I could have claimed the $90. Or better yet, if I hadn't called in to cancel at all, I could've filed for $310 and gotten it!

Last night, I spent about 2 hours on the phone with Chase, being transferred from Chase Sapphire Preferred CS to Chase Ultimate Rewards. Nobody could do anything...Chase Ultimate Rewards told me "Sorry, that's just the way we refund when you cancel a flight. We always charge the cancellation fee separately." But if that is true, that means that will never be covered under Chase Sapphire's trip insurance!!!

I was so frustrated after 2 hours, and I asked to cancel my card (yes I was that angry!). Chase Ultimate Rewards refunded me in a way that doesn't align with Chase Sapphire Preferred's trip insurance policy. Why do I pay $95 a year for benefits that don't align? After I asked to cancel my card, a CS agent offered me a $60 statement credit to resolve the case. I was exhausted since it was 1am at this time and accepted the statement credit.

This ordeal left a bad taste in my mouth, and I am now looking into American Express cards. I know I'm only out $30, but I am still annoyed about how this was handled. What a pity, since I have loved using my Chase Sapphire Preferred card for 3 years until this point.

Thank you for listening! Would love to hear input.

Refer your issue to your state's insurance commissioner for a second look.

agree too

a lot of insurance companies require you to make best effort to minimize the total loss. $90 < $310 seems reasonable


also, write and request the full insurance policy from plan provider

and cancellation policy from chase UR. maybe you were missing this piece

Thank you both paperwastage and garykung. I will reach out to the insurance commissioner.

The trip insurance adjusted said I was not missing any pieces unfortunately. Here is the wording from the official denial letter:

I can copy and paste more if necessary. Over the phone, the adjusted had told me that I shouldn't have even canceled and kept the $310 charge, and then I would've been able to successfully claim the $310.

Even more annoyingly, Chase Ultimate Rewards claimed this is always how they perform refunds for a canceled flight - fully refunding a canceled flight, and then separately charging a cancelation fee.

Unfortunately I don't have those 2 pieces of information in writing - both were told to me over the phone.

Sigh. Lesson learned.

no, they would have denied the $310 claim since it wasn't non-refundable

catch22...

I'd say stop talking to them on the phone, and start sending letters.... more proof to talk to the insurance regulator

Would you suggest strictly letters or is email ok?

whole idea is documentation.

phone call = no documentation (unless you record it), but it's still a pain when you can just whip out a letter/email hardcopy to forward to the insurance regulator

I would prefer letter, but if it's too annoying/time-consuming/too much delay, then go for email and save everything

Email is fine if your state's commissioner accepts this method.

In most of the case, the commissioner will ask the insurance company providing relevant document and a proper explanation.

It works sort of like a CPFB complaint. The only difference is your state will act more often than CPFB.

Hello all,

I purchased with my CSP a ticket CDG-TLV through FCO with Alitalia. unfortunately I just came up with an ear infection and my doctor doesn't want me to fly.

My AZ ticket is refundable for a 150€ fee. Means i have to pay the 150, then i'll get the ticket reimbursed.

Will the CSP insurance cover that fee?
One rep I talked to said that since it was a cancellation fee, not a part of the ticket that's not refundable, they would not.
Another was not so sure.

I know the nuance is thin, but when it comes to insurance...
what do you guys think?

One thing for sure, with a cheaper, non refundable ticket, CSP would have covered the loss, things would have been easier.

Thanks all for your input.
Ben.

It should.

It is not about how the fee is categorized or named. It is about if it is a loss as a result of your cancellation.