Chase Sapphire Reserve Baggage Delay Insurance
May 13, 2022, 1:40 pm
#31
Join Date: Nov 2009
Location: PDX
Programs: Don't think it matters...
Posts: 5,240
Should be covered
https://creditcards.chase.com/reward...hire/preferred
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
As long as you used your card or UR points, it should be covered.
https://creditcards.chase.com/reward...hire/preferred
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
As long as you used your card or UR points, it should be covered.
Note that you must also file a claim with the airline for your expenses:
https://www.chasebenefits.com/sapphirepreferred (start at page 6)
https://www.chasebenefits.com/sapphirepreferred (start at page 6)
It was completely paid using UR thru the Chase travel portal and the linked card was a CIP. Guess that does not make a difference as its in the Sapphire family too?
May 13, 2022, 1:51 pm
#32
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,949
INK Preferred benefits guide is here: https://static.chasecdn.com/content/...0Biz%20Sig.pdf
The language is similar, but not identical:
The language is similar, but not identical:
What is a Common Carrier Covered Trip?
• It’s travel on a Common Carrier (see definitions section) when
some portion of the fare for transportation has been charged
to your Account issued by Chase Bank USA, N.A. and/or
its affiliates.
It’s also travel on a Common Carrier when free flights have been
awarded from frequent flier or Rewards programs, provided
that all of the miles or Rewards points were accumulated from
a Rewards program sponsored by Chase Bank USA, N.A. and/or
its affiliates.
• It’s travel on a Common Carrier (see definitions section) when
some portion of the fare for transportation has been charged
to your Account issued by Chase Bank USA, N.A. and/or
its affiliates.
It’s also travel on a Common Carrier when free flights have been
awarded from frequent flier or Rewards programs, provided
that all of the miles or Rewards points were accumulated from
a Rewards program sponsored by Chase Bank USA, N.A. and/or
its affiliates.
The Baggage Delay benefit amount is in excess of any travel
insurance purchased by the Insured Person for the same Covered
Trip or indemnity or reimbursement from the airline, cruise line,
railroad, station authority, or occupancy provider available to you
or other Insured Persons
insurance purchased by the Insured Person for the same Covered
Trip or indemnity or reimbursement from the airline, cruise line,
railroad, station authority, or occupancy provider available to you
or other Insured Persons
May 20, 2022, 1:01 pm
#33
FlyerTalk Evangelist
Join Date: Apr 2003
Location: PHL (and sometimes BKK)
Programs: aa/ua gold; mar titanium. SPG till I die.
Posts: 15,648
I submitted a claim on 5/15. I'll report back when it finally goes through.
I hope they get this backlog cleared up soon. There are probably people for whom being out of pocket this amount (especially for families/groups, where it could be in the thousands) for 3 months could be a real financial problem.
I hope they get this backlog cleared up soon. There are probably people for whom being out of pocket this amount (especially for families/groups, where it could be in the thousands) for 3 months could be a real financial problem.
May 20, 2022, 3:10 pm
#34
Join Date: Feb 2010
Location: MSP
Posts: 492
My understanding is they will only pay out for covered expenses for which the airline denies payment, and you have to submit your airline claim paperwork when you make the claim through eclaimsline. Since most airlines will reimburse reasonable expenses, it’s almost impossible to hit a threshold to where the luggage coverage through Federal Insurance Co would ever come into effect.
May 23, 2022, 10:42 am
#35
FlyerTalk Evangelist
Join Date: Apr 2003
Location: PHL (and sometimes BKK)
Programs: aa/ua gold; mar titanium. SPG till I die.
Posts: 15,648
Did the airline not provide compensation for the delayed bag?
My understanding is they will only pay out for covered expenses for which the airline denies payment, and you have to submit your airline claim paperwork when you make the claim through eclaimsline. Since most airlines will reimburse reasonable expenses, it’s almost impossible to hit a threshold to where the luggage coverage through Federal Insurance Co would ever come into effect.
My understanding is they will only pay out for covered expenses for which the airline denies payment, and you have to submit your airline claim paperwork when you make the claim through eclaimsline. Since most airlines will reimburse reasonable expenses, it’s almost impossible to hit a threshold to where the luggage coverage through Federal Insurance Co would ever come into effect.
Jul 8, 2022, 5:53 pm
#36
Join Date: Mar 2013
Programs: UA 1MM; Marriott LT Titanium
Posts: 678
Can't seem to find the answer.
If both myself and my wife are traveling together and both our bags are delayed >6 hours, do each of us get $100 benefit (aka $200 per day), or is it just $100 per day?
I get confused by the "Who's Covered" which lists the Cardholder and Cardholder Spouse but I'm not sure what applies when both are traveling together
If both myself and my wife are traveling together and both our bags are delayed >6 hours, do each of us get $100 benefit (aka $200 per day), or is it just $100 per day?
I get confused by the "Who's Covered" which lists the Cardholder and Cardholder Spouse but I'm not sure what applies when both are traveling together
Jul 9, 2022, 9:33 am
#37
Join Date: Sep 2014
Posts: 2,531
Can't seem to find the answer.
If both myself and my wife are traveling together and both our bags are delayed >6 hours, do each of us get $100 benefit (aka $200 per day), or is it just $100 per day?
I get confused by the "Who's Covered" which lists the Cardholder and Cardholder Spouse but I'm not sure what applies when both are traveling together
If both myself and my wife are traveling together and both our bags are delayed >6 hours, do each of us get $100 benefit (aka $200 per day), or is it just $100 per day?
I get confused by the "Who's Covered" which lists the Cardholder and Cardholder Spouse but I'm not sure what applies when both are traveling together
Dec 23, 2022, 7:59 pm
#38
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Northeast Kansas | Colorado Native
Programs: Amex Gold/Plat, UA *G, Hyatt Globalist, Marriott LT Gold, NEXUS, TSA Disparager Unobtanium
Posts: 21,593
What counts as a claim with the airline? I flew UA MCI-DEN this afternoon and my bag wasn’t placed on my flight and is instead going to arrive sometime tomorrow.
I went on the UA app and scheduled delivery for my bag at the address I’ll be at and have screenshots of
it and the UA app showing my bag isn’t coming until tomorrow. Will that suffice to qualify for the credit?
I went on the UA app and scheduled delivery for my bag at the address I’ll be at and have screenshots of
it and the UA app showing my bag isn’t coming until tomorrow. Will that suffice to qualify for the credit?
Dec 28, 2022, 5:09 pm
#39
Join Date: Sep 2014
Posts: 2,531
What counts as a claim with the airline? I flew UA MCI-DEN this afternoon and my bag wasn’t placed on my flight and is instead going to arrive sometime tomorrow.
I went on the UA app and scheduled delivery for my bag at the address I’ll be at and have screenshots of
it and the UA app showing my bag isn’t coming until tomorrow. Will that suffice to qualify for the credit?
I went on the UA app and scheduled delivery for my bag at the address I’ll be at and have screenshots of
it and the UA app showing my bag isn’t coming until tomorrow. Will that suffice to qualify for the credit?
Here's what the guide says you need to include:
What Documents Will You Need to Provide?
The Benefit Administrator will provide the details, but generally You
should be prepared to send:
• Completed and signed claim form
• Travel itinerary
• Written confirmation of the Baggage Delay from the Common
Carrier or Cruise Line
• Credit card Account statement (showing the last four (4) digits of the
Account number) reflecting the charge for the Common Carrier or
Cruise Line fare
• Copy of the settlement or denial from the Common Carrier or
Cruise Line
• Copies of receipts for the purchase of essential items over
twenty–five ($25.00) dollars
• Any other documentation deemed necessary by the Benefit
Administrator to substantiate the claim
The Benefit Administrator will provide the details, but generally You
should be prepared to send:
• Completed and signed claim form
• Travel itinerary
• Written confirmation of the Baggage Delay from the Common
Carrier or Cruise Line
• Credit card Account statement (showing the last four (4) digits of the
Account number) reflecting the charge for the Common Carrier or
Cruise Line fare
• Copy of the settlement or denial from the Common Carrier or
Cruise Line
• Copies of receipts for the purchase of essential items over
twenty–five ($25.00) dollars
• Any other documentation deemed necessary by the Benefit
Administrator to substantiate the claim
Dec 28, 2022, 11:35 pm
#40
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,949
I don't see how you will obtain such unless you submit a claim for expenses to the airline and wait for them to respond.
Dec 29, 2022, 8:24 am
#41
Join Date: Sep 2014
Posts: 2,531
You must also request (and be denied) reimbursement from the airline before the insurance kicks in.
Jan 2, 2023, 4:49 pm
#42
Join Date: Jan 2010
Location: California
Posts: 462
What happens if you have multiple checked bags which are delayed by different amounts? Is the reimbursement $100/day up to five days until the first bag is delivered, or until you are reunited with all your bags?
My mother (who flew a ticket booked on her CSR) checked two bags, neither of which made it with her flight. One of them was delivered the next day, the other is still lost in the system. Is she eligible to claim for expenses on Days 2-5 on the basis of the second bag? Or is it assumed that one has spread the essentials out across both bags and thus as long as "a" bag is delivered one is no longer covered?
Update: Airline ended up covering everything (what a pleasant surprise) so no Chase claims was necessary.
My mother (who flew a ticket booked on her CSR) checked two bags, neither of which made it with her flight. One of them was delivered the next day, the other is still lost in the system. Is she eligible to claim for expenses on Days 2-5 on the basis of the second bag? Or is it assumed that one has spread the essentials out across both bags and thus as long as "a" bag is delivered one is no longer covered?
Update: Airline ended up covering everything (what a pleasant surprise) so no Chase claims was necessary.
Last edited by Agneisse; Mar 15, 2023 at 4:41 pm
Jan 3, 2023, 10:20 am
#43
Join Date: Sep 2014
Posts: 2,531
What happens if you have multiple checked bags which are delayed by different amounts? Is the reimbursement $100/day up to five days until the first bag is delivered, or until you are reunited with all your bags?
My mother (who flew a ticket booked on her CSR) checked two bags, neither of which made it with her flight. One of them was delivered the next day, the other is still lost in the system. Is she eligible to claim for expenses on Days 2-5 on the basis of the second bag? Or is it assumed that one has spread the essentials out across both bags and thus as long as "a" bag is delivered one is no longer covered?
My mother (who flew a ticket booked on her CSR) checked two bags, neither of which made it with her flight. One of them was delivered the next day, the other is still lost in the system. Is she eligible to claim for expenses on Days 2-5 on the basis of the second bag? Or is it assumed that one has spread the essentials out across both bags and thus as long as "a" bag is delivered one is no longer covered?
Note that you have to start with claiming from the airline, which is obligated to pay most reasonable expenses up to a cap. CSR only kicks in if the airline doesn't cover everything.
Jan 14, 2023, 12:03 pm
#44
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Northeast Kansas | Colorado Native
Programs: Amex Gold/Plat, UA *G, Hyatt Globalist, Marriott LT Gold, NEXUS, TSA Disparager Unobtanium
Posts: 21,593
