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Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)

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Old Jan 6, 2020, 8:34 pm
FlyerTalk Forums Expert How-Tos and Guides
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:
  • 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:

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Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)

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Old Jan 23, 2020, 12:59 pm
  #16  
 
Join Date: Jun 2015
Posts: 103
Originally Posted by mia
I do not think the policy will cover this, because you were notified in advance:

do not want to be troll here, but want to ask about this rule "Any delay due to a Covered Hazard which was made public or made known to You prior to Your departure"

how this "Prior" is defined?

If I am already at the gate waiting, and an announcement was broadcasted for flight cancel/change before the departure time, is this considered as "made known to You prior to Your departure"


Also, the rule says about Hazard, I guess Hazard means something threatening to the safety of travel, but I do not see this here

Last edited by jackkyxu; Jan 23, 2020 at 1:08 pm
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Old Jan 23, 2020, 3:12 pm
  #17  
mia
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Originally Posted by jackkyxu
....I guess Hazard means...
No need to guess, the terms tell us: Covered Hazards - equipment failure, inclement weather, strike and hijacking/skyjacking. Schedule change is not covered. I think this is because you know in advance and have the option to accept or decline the revised schedule.
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Old Jan 23, 2020, 4:45 pm
  #18  
 
Join Date: Jun 2015
Posts: 103
Originally Posted by mia
No need to guess, the terms tell us: Covered Hazards - equipment failure, inclement weather, strike and hijacking/skyjacking. Schedule change is not covered. I think this is because you know in advance and have the option to accept or decline the revised schedule.
so even less than 24 hours prior is a prior?

I think most of the time the depart delay is when the PAX is waiting at the gate, like 30 min before departure time, where the GA makes an announcement that the flight would be delayed balabala.......

is this a prior or not?

and because of this announcement, the PAX is fully aware or made known about the delay, and it is widely known to public

Last edited by jackkyxu; Jan 23, 2020 at 4:52 pm
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Old Jan 23, 2020, 4:49 pm
  #19  
 
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Originally Posted by mia
No need to guess, the terms tell us: Covered Hazards - equipment failure, inclement weather, strike and hijacking/skyjacking. Schedule change is not covered. I think this is because you know in advance and have the option to accept or decline the revised schedule.
This post made me read the new agreement dated 11/01/2019. Schedule change was never covered but I see that the language was changed slightly concerning covered hazards.

8/26/2018 CSR benefits language for trip delay:
A Covered Hazard includes equipment failure, inclement weather,
labor strikes, and hijacking or skyjacking.


Current terms 11/01/2019 dated guide:
(As quoted above):
Covered Hazards - equipment failure, inclement weather, strike
and hijacking/skyjacking.


In the past, people have interpreted the former 2018 language to.mean the hazards listed were examples but not the only hazards covered. It seemed to be a correct interpretation as people have reported successful claims for things that seem not to be covered by those terms; for example, there was someone who got coverage for a crew timing out.

The new terms seem to suggest the list is no longer examples of hazards but an exhaustive list of covered hazards. It'll be interesting to see if this is indeed the case. It seems to be considering they made that language change. This suggests that the previously covered crew issue would not be covered (though maybe if it was caused by inclement weather. How could to prove that I'd the carrier listed "crew time out" or "crew issue" instead of a weather delay).
​​​​​​
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Old Jan 23, 2020, 6:20 pm
  #20  
 
Join Date: Jun 2015
Posts: 103
Originally Posted by mia
No need to guess, the terms tell us: Covered Hazards - equipment failure, inclement weather, strike and hijacking/skyjacking. Schedule change is not covered. I think this is because you know in advance and have the option to accept or decline the revised schedule.
after spending several hours

I got a PDF from CA as below

This is to certify that the flight from BEIJING/CAPITAL INTL to XXXX scheduled to depart on 01
25, 2020 of the passenger ( XXXXXXXXXXXXXXXXXXXXXXXXXXX), whose ID used for ticket purchase or
ticket number is ( XXXXXXXXXXXXXXXXXXXXXX), was cancelled because ( reason of Air China ).


is it enough as proof?
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Old Jan 23, 2020, 8:44 pm
  #21  
 
Join Date: Jun 2012
Posts: 3,378
Originally Posted by jackkyxu
I redeemde UR point through UR portal for an international round trip, and the outbound trip is due tomorrow while I got a flight change notification from Chase/Expedia this morning

The trip is JFK-PEK and PEK- a_China_city, and connection in PEK is a few hours and trip ends in the same day of connection. Both legs are on CA

Now the new flight of PEK-a_China_city would be in the morning next day, so there is an overnight there.

I am wondering whether this would be qualified to Chase Trip Delay insurance, and what kind of proof I need for claim if it qualifies. (I do not think I can get a delay statement for CA since the flight itself is not delayed)

Thanks
Transit Hotel, Airport Transfer to Hotels Information
https://www.airchina.us/US/GB/booking/hotels/

air china does offer free transit hotel for certain connections/conditions (overnight, no shorter connection available, certain airports)

you can try asking them to cover it. good luck
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Old Jan 23, 2020, 8:55 pm
  #22  
 
Join Date: Jun 2015
Posts: 103
Originally Posted by paperwastage
Transit Hotel, Airport Transfer to Hotels Information
https://www.airchina.us/US/GB/booking/hotels/

air china does offer free transit hotel for certain connections/conditions (overnight, no shorter connection available, certain airports)

you can try asking them to cover it. good luck

thanks for the info, I dig it out myself and found that I may need to upgrade the hotel as I am on economy and the free hotel may be shared by two person.

also, i do see there is more spending other than hotel there, that is the reason I am asking about the trip delay coverage here

I will update after I am back.
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Old Jan 23, 2020, 9:28 pm
  #23  
 
Join Date: Jun 2012
Posts: 3,378
Originally Posted by jackkyxu
after spending several hours

I got a PDF from CA as below

This is to certify that the flight from BEIJING/CAPITAL INTL to XXXX scheduled to depart on 01
25, 2020 of the passenger ( XXXXXXXXXXXXXXXXXXXXXXXXXXX), whose ID used for ticket purchase or
ticket number is ( XXXXXXXXXXXXXXXXXXXXXX), was cancelled because ( reason of Air China ).


is it enough as proof?
from past experience, you would want that flight documentation, along with another document from CA saying what was (or wasn't) reimbursed/compensated due to this change - food, lodging etc
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Old Jan 24, 2020, 8:08 am
  #24  
 
Join Date: May 2012
Posts: 5
I have a trip to China booked for early February. Since there's a China coronavirus outbreak going on, I'm thinking of cancelling the trip due to health safety reason. Will this qualify for trip cancellation? I'll be traveling with 2 young kids and am very worry about their health safety oversea.
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Old Jan 24, 2020, 8:51 am
  #25  
 
Join Date: Jun 2015
Posts: 103
Originally Posted by mia
I do not think the policy will cover this, because you were notified in advance:
Originally Posted by paperwastage
from past experience, you would want that flight documentation, along with another document from CA saying what was (or wasn't) reimbursed/compensated due to this change - food, lodging etc

thanks for this, just do not know whether I can get this or not
from my experience, it is hard for airlines to issue document saying what was reimbursed/compensated, such as Big3, CA,,,,,
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Old Jan 24, 2020, 9:37 am
  #26  
 
Join Date: Jun 2012
Posts: 3,378
Originally Posted by sammi1981
I have a trip to China booked for early February. Since there's a China coronavirus outbreak going on, I'm thinking of cancelling the trip due to health safety reason. Will this qualify for trip cancellation? I'll be traveling with 2 young kids and am very worry about their health safety oversea.
https://www.reuters.com/article/us-c...-idUSKBN1ZM23Q

many airlines are offering full refund. If you bought thru OTA, OTA may still charge a handling fee, but you could try asking for it to be waived per below
On Thursday night, China’s civil aviation regulator urged all airlines and travel agents to offer full refunds without adding any administrative fees for flights to help prevent the spread of the virus, which has killed 26 people on the mainland.
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Old Jan 24, 2020, 9:46 am
  #27  
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Posts: 2,531
Originally Posted by jackkyxu
so even less than 24 hours prior is a prior?

I think most of the time the depart delay is when the PAX is waiting at the gate, like 30 min before departure time, where the GA makes an announcement that the flight would be delayed balabala.......

is this a prior or not?

and because of this announcement, the PAX is fully aware or made known about the delay, and it is widely known to public
It's not covered if you knew about it before you leave on your trip. Your trip begins when you leave your residence.

"Covered Trip - a period of travel that does not exceed three hundred sixty-five (365) days away from the Eligible Traveler’s residence to a destination other than the Eligible Traveler’s city of residence..."

Someone upthread lives in NJ but not in Newark, drove to EWR, flight was delayed overnight, stayed in a hotel, initially denied because his trip hadn't started but eventually covered upon a quick appeal.

Unfortunately I think this case where you have a forced overnight abroad due to a delay you found out about just before leaving home is not covered. If you lived in China and were visiting New York, and were on your way back to China, it would be covered because you trip would already be well underway.
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Old Jan 27, 2020, 6:31 am
  #28  
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Insurance does not cover Coronavirus

Called Chase Agent, if you are traveling to China note that the trip cancellation insurance does not apply because they do not cover pandemics.
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Old Jan 31, 2020, 12:17 am
  #29  
 
Join Date: Dec 2019
Programs: Delta
Posts: 20
Originally Posted by TravelingZoomer
Called Chase Agent, if you are traveling to China note that the trip cancellation insurance does not apply because they do not cover pandemics.
The us state dept now raised China to level 4: do not travel. Would this be qualified under the insurance?

also, what about getting a doctors note at advises against travel due to potential serious bodily harm?
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Old Jan 31, 2020, 1:08 am
  #30  
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Originally Posted by Sandyglass
The us state dept now raised China to level 4: do not travel. Would this be qualified under the insurance?

also, what about getting a doctors note at advises against travel due to potential serious bodily harm?
Unless it’s found out that some plant inside China spread the virus for terrorist reasons, no.

To the second I’m guessing no because of the pre existing condition clause, but you should still call Chase to confirm.

Nearly every airline and hotel chain are fully refunding travel to all of China. Maybe even Japan, Taiwan, Korea etc since there’s cases their too just call to find out
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