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

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Old May 17, 2017, 6:45 pm
FlyerTalk Forums Expert How-Tos and Guides
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:

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

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Old Sep 15, 2017, 9:44 pm
  #406  
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Well I learned the hard way that not all premium travel cards are the same.

I booked an upcoming trip with both Amex Platinum and CSR.

But I booked the airline tickets with the Amex, meaning there are no trip cancellation benefits. I Googled and found a document which lists trip cancellation but it turns out that those benefits only pertain to the European Amex Platinum card. The US card does not offer trip cancellation benefits.

Reason I booked the airline tickets with Amex was the 5X MR points.

Turns out that I should have booked with the CSR to get trip cancellation. Instead, I used CSR for accommodation and rental car prepayments.

Thus, the CSR trip cancellation coverage does not apply.
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Old Sep 15, 2017, 11:53 pm
  #407  
 
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Originally Posted by wco81
Well I learned the hard way that not all premium travel cards are the same.

I booked an upcoming trip with both Amex Platinum and CSR.

But I booked the airline tickets with the Amex, meaning there are no trip cancellation benefits. I Googled and found a document which lists trip cancellation but it turns out that those benefits only pertain to the European Amex Platinum card. The US card does not offer trip cancellation benefits.

Reason I booked the airline tickets with Amex was the 5X MR points.

Turns out that I should have booked with the CSR to get trip cancellation. Instead, I used CSR for accommodation and rental car prepayments.

Thus, the CSR trip cancellation coverage does not apply.
Your loss exposure for the airlines tickets = Amount Paid - Cancel Fee. You can then use the remaining balance for future tickets on the airline. Hopefully, you did not book a one-off on Podunk Air.
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Old Sep 16, 2017, 12:24 am
  #408  
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AS.

Change/cancel fee is just over 25% of each ticket.

One year to use the remaining value as tickets.
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Old Sep 17, 2017, 10:02 am
  #409  
 
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Here's a non-hurricane, AirBnB question: if the host unilaterally cancels (5 weeks ahead of the trip) and I paid for the trip entirely by CSR, what's my recourse through CSR? It's high tourist season to the place I'm going, and rates of the scant number of places still available (whether AirBnBs or hotel rooms) at this late date have shot up 50% or more since my booking months ago.
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Old Sep 17, 2017, 10:13 am
  #410  
 
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Originally Posted by EkekoBWI
Here's a non-hurricane, AirBnB question: if the host unilaterally cancels (5 weeks ahead of the trip) and I paid for the trip entirely by CSR, what's my recourse through CSR? It's high tourist season to the place I'm going, and rates of the scant number of places still available (whether AirBnBs or hotel rooms) at this late date have shot up 50% or more since my booking months ago.
Presumably the AirBnB host is refunding your money, correct? In that case, there's nothing left for Chase to do.
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Old Sep 17, 2017, 10:53 am
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Originally Posted by Diplomatico
Presumably the AirBnB host is refunding your money, correct? In that case, there's nothing left for Chase to do.
In this case, I'm asking if CSR covers the price differential: When I booked months ago, the trip was $xxx. The host just canceled, ~5 weeks out. Booking a reasonable substitution at this late date is 150% of $xxx. Will Chase cover the 50% difference in rate?
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Old Sep 17, 2017, 12:00 pm
  #412  
 
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Originally Posted by EkekoBWI
In this case, I'm asking if CSR covers the price differential: When I booked months ago, the trip was $xxx. The host just canceled, ~5 weeks out. Booking a reasonable substitution at this late date is 150% of $xxx. Will Chase cover the 50% difference in rate?
I understood from your first post that you would be re-booking and it would cost more. I'm still not sure why you would think Chase has any responsibility in this situation. You booked with the CSR, reservation was cancelled, you got your money back. Transaction over.
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Old Sep 17, 2017, 2:22 pm
  #413  
 
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Originally Posted by EkekoBWI
In this case, I'm asking if CSR covers the price differential: When I booked months ago, the trip was $xxx. The host just canceled, ~5 weeks out. Booking a reasonable substitution at this late date is 150% of $xxx. Will Chase cover the 50% difference in rate?
ask airbnb if they'll cover some of the additional costs

and here lies the issue with airbnb (and hotels too, though rarer and easier to complain to)
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Old Sep 17, 2017, 2:26 pm
  #414  
 
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Was stuck for 4 days in ewr due to Harvey, finally got delay letter from united today so just filed my claim. Ticket was award ticket but fees paid for with CSR, and hotels paid and one UberEATS meal as well, 16 cents under the $500 limit. Let's see what happens
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Old Sep 17, 2017, 9:39 pm
  #415  
 
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Originally Posted by paperwastage
ask airbnb if they'll cover some of the additional costs
I plan to. AirBnB said in an email today they would offer me 110% reimbursement against a replacement rental, which is not great since I booked very early when the market was not as tight and got a great deal. I plan to push for full payment applied to comparable property now, not 110% of price I paid months ago when the market was wide open. Crazy?
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Old Sep 17, 2017, 10:09 pm
  #416  
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How long has it been taking recently for them to reply back? My first response was about 4-5 business days after submitting the claim but I haven't heard anything since the 8th when I uploaded the letter from Delta (nor does it look like the status online has changed). Maybe they got really swamped by the hurricane-related delay claims?
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Old Sep 17, 2017, 10:53 pm
  #417  
 
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Originally Posted by tmiw
How long has it been taking recently for them to reply back? My first response was about 4-5 business days after submitting the claim but I haven't heard anything since the 8th when I uploaded the letter from Delta (nor does it look like the status online has changed). Maybe they got really swamped by the hurricane-related delay claims?
YMMV i guess... im still waiting on a claim i made 3 months ago... :\
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Old Sep 19, 2017, 12:57 am
  #418  
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Originally Posted by BuBu4
YMMV i guess... im still waiting on a claim i made 3 months ago... :\
I spoke too soon. Checked tonight and my claim was apparently approved. That screenshot from my iPhone may have also been enough to claim the UTA Apple Pay charge as the amount paid is the exact amount that I put on the initial claim. ^
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Old Sep 19, 2017, 5:32 am
  #419  
 
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Trip Cancellation - Severe Weather

Hello,

Wife and I have a trip planned for Bermuda beginning this Sunday (9/24/17). At the present time there is a major hurricane in the Caribbean (Maria) which may or may not impact Bermuda (still too early to tell). May not even know by Saturday.

Has anyone here ever attempted to cancel a trip for severe weather?

Here is the relevant section/language from the Chase Trip Insurance Policy:

• Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip"

Sounds pretty subjective - what would a reasonable person do? Reasonable minds could differ right?

I am thinking of calling Chase and discussing this with them. Not saying we are ready to cancel yet, but trying to determine how much say (if any) I have in the decision as to whether this would be a covered event.

Before doing so, I thought I'd reach out for some wisdom from the folks on this forum who may have crossed this bridge before.

Anyone with perspective/advice?

Thanks in advance for your time,

Mike
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Old Sep 19, 2017, 6:19 am
  #420  
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Your airline may make the decision for you if they issue a weather waiver and cancel flights for your departure date. They're not going to want to have aircraft on the ground that could be at risk. I'd keep a close eye on the airline's web site in the days ahead.
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