Jan 6, 2020, 8:34 pm
Last edit by: threeoh
To review discussion from 2016-2019 click HERE.
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 due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. 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 due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. 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 return flight. 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. Update: new Guide language says "per Covered Trip" and there are reports of a claim on the return leg being denied because of a successful claim on the outbound leg.
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:
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 due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. 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 due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. 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 return flight. 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. Update: new Guide language says "per Covered Trip" and there are reports of a claim on the return leg being denied because of a successful claim on the outbound leg.
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.
- 01/2021 - covered $225 in meals, hotel, Uber for myself for overnight due to weather; used voucher and paid small amount on the Sapphire Preferred.
- 01/2021 - covered ~$100 for meals and toiletries purchased during a 7+ hour daytime delay.
- 07/2022 - covered $500+ for two travelers: hotel, meals, vending machines for overnight delay at connection; award miles + taxes on 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:
Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)
Jul 4, 2020, 11:49 pm
#151
Join Date: Aug 2014
Posts: 394
So...it looks as though the American travel ban to Europe has screwed us. Before there was an argument to be made that when you arrived and you were to be forced to go into quarantine, it triggered that clause of the insurance.
Now I cannot figure out how to get the travel insurance to pay out for two non-refundable hotels booked in Europe this summer, even though we are now banned from going there. Short of some other (horrible) miracle happening - one of us gets Covid right before the trip would have started or a Named Storm Warning happens here in Florida on exactly the right date, I am at a loss as to how we get refunded on these reservations, and two out of twenty or so hotels have decided to be unreasonable about the situation. Any ideas?
Now I cannot figure out how to get the travel insurance to pay out for two non-refundable hotels booked in Europe this summer, even though we are now banned from going there. Short of some other (horrible) miracle happening - one of us gets Covid right before the trip would have started or a Named Storm Warning happens here in Florida on exactly the right date, I am at a loss as to how we get refunded on these reservations, and two out of twenty or so hotels have decided to be unreasonable about the situation. Any ideas?
Last edited by miadeals; Jul 5, 2020 at 1:59 am
Jul 6, 2020, 8:47 am
#152
Join Date: Dec 2009
Location: USA
Posts: 1,153
Any claim/appeal needs to pin the claim clearly against a published covered loss.
Jul 9, 2020, 3:19 pm
#153
Join Date: Aug 2014
Posts: 394
Has anyone attempted to use the EU ban against americans as an attempted justification in a claim with Chase yet? Any information or outcomes? I am getting pretty close to having to attempt one.
Jul 11, 2020, 11:25 pm
#154
Join Date: Jan 2014
Location: SFO
Programs: OZ Diamond/*G, IHG Diamond Amb, Hilton Gold
Posts: 2,239
Am I eligible for coverage if I book 2 one-ways using a different Chase card, both of which have this benefit. Like if I book the outbound on the CSR and inbound on the United Explorer Card, would I be covered for trip delay/cancellation benefit?
Jul 12, 2020, 11:17 am
#155
Original Poster
Join Date: Sep 2014
Posts: 2,531
It just matters that (1) it's round-trip travel (depart from and return to your place of residence) and (2) the leg you are delayed on is purchased with a card with this coverage. Doesn't matter if the other legs are other cards, cash, even surface sectors, etc.
Jul 15, 2020, 9:35 am
#156
Join Date: Feb 2013
Posts: 2
I am thinking to proceed with the claim just need to find right peril to use in a claim. Please share your experience.
Jul 15, 2020, 5:17 pm
#157
Join Date: Aug 2014
Posts: 394
When I file one I will let everyone know what happens. I have a single night in a hotel that I can't get to because we are banned from Europe, I will file on this I guess, although the hotel has offered a voucher so according to the chase terms I have to wait until the voucher expires to file for compensation. But I guess I will file either way to see what chase says.
Aug 3, 2020, 7:44 pm
#158
Join Date: May 2012
Posts: 4
Here's our situation - A group of friends made a house rental booking. No refunds if cancelled within 14 days of departure. I paid for it on Sapphire Reserve. We all agreed to get rapid COVID tested before and did so the day before the trip - one of us (not the cardholder) came up as asymptomatic positive, and another person was only tested with a traditional test needs to wait 7+ days for results. We decided we couldn't go because one group definitely couldn't come and the other was an unknown but at risk for being positive. It wasn't smart to given the situation. From what I can tell, this is a covered loss given the T&C below. Any thoughts or has anyone been in this situation and got their claim paid?
What Losses Are Covered?
Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons
Traveling Companion– an individual who has made advanced arrangements with You to travel together for all or part of the Trip
What Losses Are Covered?
Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons
Traveling Companion– an individual who has made advanced arrangements with You to travel together for all or part of the Trip
Aug 4, 2020, 9:02 am
#159
Original Poster
Join Date: Sep 2014
Posts: 2,531
Seems like it is likely covered but depends on the local health order where you live -- is the quarantine a legal requirement by local or state order for asymptomatic positives? If not, can you get a doctor to issue your companion such an order?
Aug 6, 2020, 9:05 am
#160
Join Date: Apr 2013
Posts: 5
Filling in blanks Chase Travel Protection
I hope I'm not repeating something already asked, so I'll be brief:
1. The policies for trip cancellation and interruption on their site imply that bankruptcies are NOT covered (it calls it "insolvency" of tour operator, agent, etc. I assume a cruise ship or airline would be included in that group or are they only referring to "middle men" like if you hire a tour company or get all your tix via a travel agent?)
2. Two common flight miles situations with Chase. I'd like to know what happens in each case if possible
First: Simply buy airline tickets via the chase portal, using points, getting our sapphire reserve 50% bonus. Something happens and we have to cancel our trip for a covered reason. Do we get our points back or would the airline simply issue a voucher? We use SW 99% of the time and Delta the rest.
Second: We transfer points to SW and get about the same deal where SW points are worth about 1.6 cents ea. Something happens and we have to cancel our trip for a covered reason. Would SW deposit the points back to our SW account?
3. Any opinions on purchasing dedicated trip insurance anyway, despite having pretty solid trip insurance via Chase?
I think that's it! We've always purchased insurance via Allianz via AAA and used it often enough to make it a no brainer. But thought, sheesh, we pay $550 a year for this Sapphire Reserve, why not take advantage of the built in insurance?
By the way, our trips scheduled are first class Delta (our first ever first class trip!) to Miami in October, and a cruise in January consisting of another first class flight and a yacht club cruise on MSC. I mention this in case it influences any responses.
1. The policies for trip cancellation and interruption on their site imply that bankruptcies are NOT covered (it calls it "insolvency" of tour operator, agent, etc. I assume a cruise ship or airline would be included in that group or are they only referring to "middle men" like if you hire a tour company or get all your tix via a travel agent?)
2. Two common flight miles situations with Chase. I'd like to know what happens in each case if possible
First: Simply buy airline tickets via the chase portal, using points, getting our sapphire reserve 50% bonus. Something happens and we have to cancel our trip for a covered reason. Do we get our points back or would the airline simply issue a voucher? We use SW 99% of the time and Delta the rest.
Second: We transfer points to SW and get about the same deal where SW points are worth about 1.6 cents ea. Something happens and we have to cancel our trip for a covered reason. Would SW deposit the points back to our SW account?
3. Any opinions on purchasing dedicated trip insurance anyway, despite having pretty solid trip insurance via Chase?
I think that's it! We've always purchased insurance via Allianz via AAA and used it often enough to make it a no brainer. But thought, sheesh, we pay $550 a year for this Sapphire Reserve, why not take advantage of the built in insurance?
By the way, our trips scheduled are first class Delta (our first ever first class trip!) to Miami in October, and a cruise in January consisting of another first class flight and a yacht club cruise on MSC. I mention this in case it influences any responses.
Aug 6, 2020, 5:53 pm
#161
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,293
Hotwired, Welcome to FlyerTalk!
couple things jump out to me.
First, CSR is currently $450 AF, thanks to pandemic. If you paid $550, they should have issued credit . Hope they keep it there next year, also.
MSC YC is a fantastic experience. You will enjoy it, - hopefully your cruise doesn’t get cancelled.
ours got cancelled this year by MSC and CSR did a great job getting a refund for us.
Points used to purchase flights, use CSR card to pay part , like taxes to get coverage. We have always used premium card travel protections on our travels.
One cruise, 40 days international repositioning, we did purchase emergency medical coverage.
we did not fly SW so cannot comment on that one.
First class international airfares we buy with miles and pay taxes on card to get travel protections. Our flights were cancelled also and miles returned with credit To CSR for fees paid. Usually it is refunded to original form of payment.
However, depends on airline policies for change/cancel . Be aware if you are getting non refundable airfare. Not all F tickets are refundable.
Happy travels and stay safe.
couple things jump out to me.
First, CSR is currently $450 AF, thanks to pandemic. If you paid $550, they should have issued credit . Hope they keep it there next year, also.
MSC YC is a fantastic experience. You will enjoy it, - hopefully your cruise doesn’t get cancelled.
ours got cancelled this year by MSC and CSR did a great job getting a refund for us.
Points used to purchase flights, use CSR card to pay part , like taxes to get coverage. We have always used premium card travel protections on our travels.
One cruise, 40 days international repositioning, we did purchase emergency medical coverage.
we did not fly SW so cannot comment on that one.
First class international airfares we buy with miles and pay taxes on card to get travel protections. Our flights were cancelled also and miles returned with credit To CSR for fees paid. Usually it is refunded to original form of payment.
However, depends on airline policies for change/cancel . Be aware if you are getting non refundable airfare. Not all F tickets are refundable.
Happy travels and stay safe.
Last edited by pcoll; Aug 6, 2020 at 5:59 pm
Aug 28, 2020, 1:22 pm
#162
Join Date: Dec 2014
Posts: 37
Here's our situation - A group of friends made a house rental booking. No refunds if cancelled within 14 days of departure. I paid for it on Sapphire Reserve. We all agreed to get rapid COVID tested before and did so the day before the trip - one of us (not the cardholder) came up as asymptomatic positive, and another person was only tested with a traditional test needs to wait 7+ days for results. We decided we couldn't go because one group definitely couldn't come and the other was an unknown but at risk for being positive. It wasn't smart to given the situation. From what I can tell, this is a covered loss given the T&C below. Any thoughts or has anyone been in this situation and got their claim paid?
What Losses Are Covered?
Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons
Traveling Companion– an individual who has made advanced arrangements with You to travel together for all or part of the Trip
What Losses Are Covered?
Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons
Traveling Companion– an individual who has made advanced arrangements with You to travel together for all or part of the Trip
I submitted to chase the claim, but they keep asking for more proof and info.
Aug 28, 2020, 2:29 pm
#163
Join Date: Dec 2014
Posts: 37
Question to the Forum: Curious if anyone has had any luck with Chase Sapphire Reserve and travel insurance recently with Covid? We could not travel to Europe last week because of the travel restrictions and lost our VRBO payment.
Covered event from the 2020 Chase Benefits guide:“Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons.”
France is a competent government authority and they have restricted travel to all Americans.
Quarantine from Webster:“a restraint upon the activities or communication of persons or the transport of goods designed to prevent the spread of disease or pests”
Any thoughts if this technically would count as a covered event under Chase Reserve?
Covered event from the 2020 Chase Benefits guide:“Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons.”
France is a competent government authority and they have restricted travel to all Americans.
Quarantine from Webster:“a restraint upon the activities or communication of persons or the transport of goods designed to prevent the spread of disease or pests”
Any thoughts if this technically would count as a covered event under Chase Reserve?
Aug 28, 2020, 4:29 pm
#164
Original Poster
Join Date: Sep 2014
Posts: 2,531
I think it should count -- clearly it's within the meaning of the rule -- but if I had to guess the insurance company's mindset I'd say they are going to fight it bcs otherwise they will lose a ton of money.
Aug 28, 2020, 4:47 pm
#165
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
I think it is not covered because the travelers are not in quarantine. This doesn't mean you should not file a claim, only that I think it will be rejected.
If you paid VRBO by credit card, and were not offered a voucher in lieu of a refund, you could dispute the charge. Do this in writing, not by telephone. You could file a dispute even if you were offered a voucher, but VRBO's card processor is likely to see the voucher as a refund.
If you paid VRBO by credit card, and were not offered a voucher in lieu of a refund, you could dispute the charge. Do this in writing, not by telephone. You could file a dispute even if you were offered a voucher, but VRBO's card processor is likely to see the voucher as a refund.