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Chase cards Trip Cancellation/Interruption/Delay benefit

Chase cards Trip Cancellation/Interruption/Delay benefit

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Old Jul 11, 20, 5:46 pm   -   Wikipost
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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, 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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Old Dec 26, 19, 10:40 am
  #1  
Original Poster
 
Join Date: Sep 2014
Posts: 1,979
Chase cards Trip Cancellation/Interruption/Delay benefit

Wiki Update:
  • Added info about new terrorism coverage, and which clarifies a lot of questions we've seen over the last year in terms of what is / isn't covered
  • Added info about new coverage under Trip Interruption for fees related to returning a rental car to a different location
  • Added info about new coverage under Trip Interruption for up to $250 in local travel to/from medical facility, airport, and home from your home airport
  • Updated Trip Cancellation/Interruption FAQ to note that each travel arrangement must be paid at least in part by the card with the coverage.
  • Changed some Trip Delay FAQ answers from "Maybe" or "Mixed reports" to "yes" where reports within the last year or two are consistent and all "no"s were from over two years ago.
  • Committed to the FAQ that road trips with no common carriers are covered by Trip Cancellation/Interruption.
threeoh is offline  
Old Dec 26, 19, 5:03 pm
  #2  
 
Join Date: Sep 2015
Location: flyover country
Posts: 1,089
Originally Posted by threeoh View Post
Wiki Update:
  • Committed to the FAQ that road trips with no common carriers are covered by Trip Cancellation/Interruption.
Thank you. I should have thought to do that.
serpens is offline  
Old Dec 28, 19, 6:12 pm
  #3  
 
Join Date: Apr 2014
Posts: 1,469
Trip cancellation insurance won't cover concert tickets right? Kid got sick and I have a doctors note to cover hotel room, but just want to be sure I shouldn't also attempt to claim the tickets
ucdtim17 is offline  
Old Dec 29, 19, 12:24 pm
  #4  
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Posts: 1,979
Originally Posted by ucdtim17 View Post
Trip cancellation insurance won't cover concert tickets right? Kid got sick and I have a doctors note to cover hotel room, but just want to be sure I shouldn't also attempt to claim the tickets
I'm going to guess no. However, filing a claim is free, so depending on how much the concert tickets cost might be worth a shot.

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"
threeoh is offline  
Old Dec 30, 19, 6:13 pm
  #5  
 
Join Date: Dec 2014
Posts: 249
help with CSR trip cancellation benefit

Hello, I am trying to submit a trip cancellation claim with the CSR for the first time and would appreciate some guidance. These are two separate incidents:

Situation 1
Was flying Southwest from BOS-CUN with a layover in BWI. The flight out of BOS was delayed (I think because of weather) enough that they told me at the gate there was no way I would make the CUN connection, and since it was the last flight that day, I would have to be rebooked for CUN the following day. So that's what I did, but because of that I lost my pre-paid hotel and car rental at CUN for that night.

I submitted a claim for the hotel and car rental online. I am now being asked to provide a bunch of documentation. Some of which is self-explanatory but there other items that I'm unsure about. For instance:
  • Cause of Cancellation - what am I expected to provide here?
  • MBS Common Carrier Tix - ?
  • Updated Travel Itinerary - what should I provide here? If I look online at Southwest, under My Trips I still see the original booking, not the revised one for the following day.
Situation 2
Was flying Delta from DTW-BOS. Flight out of DTW was cancelled due to weather in BOS, was rebooked the following day, and had to pay for a taxi ride to the airport again. When submitting both this claim and the one above, I spoke to a rep over the phone who told me both would be Trip Cancellation claims. However reading the wiki above this situation sounds like a Trip Delay, since the taxi was a new expense not a prepaid one. Should I cancel the current claim and submit a new one for Trip Delay instead? Also, similar questions around the evidence requested e.g. not sure what to provide for MBS Common Carrier Tix, Updated Travel Itinerary.

Would appreciate any help. Thanks!
shinjukuflyer is offline  
Old Dec 30, 19, 6:38 pm
  #6  
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Join Date: Sep 2014
Posts: 1,979
Originally Posted by shinjukuflyer View Post
Situation 1
  • Cause of Cancellation - what am I expected to provide here?
You need to get a statement from the carrier saying that the cancellation was due to severe weather. You can try them on twitter or reach out through the website.

  • MBS Common Carrier Tix - ?
95% sure this is a copy of your original itinerary aka "the plane tickets" -- you can print-to-PDF your original confirmation email, preferably the one with the last 4 digits of your credit card number.

  • Updated Travel Itinerary - what should I provide here? If I look online at Southwest, under My Trips I still see the original booking, not the revised one for the following day.
You never got an email with your updated itinerary?

Last time I had irrops and had to change to a new flight on Southwest, I got an email with the subject "threeoh's 11/26 Chicago (Midway) trip (XXXXXX): Your change is confirmed.". If not, do you have boarding passes from your new flight? Those should work too. Or reach out to them on twitter or via the website and ask for what you need, maybe as part of the above delay letter process. Or you could try typing up a one-page document showing the old and new itineraries, with screenshots or boarding passes as evidence.

By the way, looks like the Severe Weather language has changed recently (since the wiki was written), and now says:

Severe Weather, which prevents a reasonable and prudent
person from beginning or continuing on a Trip and occurs:
1) at the point of origin of the Trip prior to departure; or 2) in the
path between Your place of permanent residence and the point
of origin of the Trip prior to departure; or 3) within fifty (50) miles
of the airport, terminal, station, booked lodging, and/or Host at
Destination location listed on Your travel itinerary; and which: A)
impacts a reasonable and prudent person’s ability to: (a) safely
travel to the departure point of a Common Carrier on which
You are scheduled to travel; or (b) safely remain at a booked
Provider of Lodging, or a Host at Destination location listed on
Your travel itinerary; or B) causes the cessation of operation of a
Common Carrier for which You are scheduled to travel provided
that such cessation of operation causes You to: (a) miss at
least 20% of the scheduled duration of the Trip; or (b) miss
the departure of a prepaid cruise, or tour (booked through a
Tour Operator) that You are scheduled to take; or C) causes a
Provider of Lodging with which You booked accommodations to
cease normal operation
So if your trip was longer than 5 days, maybe it's not covered? Not sure how this plays out, no data points yet.

Situation 2
Was flying Delta from DTW-BOS. Flight out of DTW was cancelled due to weather in BOS, was rebooked the following day, and had to pay for a taxi ride to the airport again. When submitting both this claim and the one above, I spoke to a rep over the phone who told me both would be Trip Cancellation claims. However reading the wiki above this situation sounds like a Trip Delay, since the taxi was a new expense not a prepaid one. Should I cancel the current claim and submit a new one for Trip Delay instead? Also, similar questions around the evidence requested e.g. not sure what to provide for MBS Common Carrier Tix, Updated Travel Itinerary.
I'm assuming you live in BOS for this discussion.

I would definitely submit a Trip Delay claim, not Trip Cancellation. But they may have an internal process for swapping them, and also the Trip Interruption insurance now includes $250 to get you to the airport for your new flight, so possibly it could be covered under that? I'd just go with the Trip Delay process, personally.

You'll need a statement from the carrier saying the cause of the delay, you can get one from this website: https://www.delta.com/contactus/page...tion/index.jsp or reach out on twitter. For Updated Travel Itinerary again boarding passes or check your email for new itin or ask them for it.

Make sure to include taxis, meals, etc. if you have receipts.
threeoh is offline  
Old Dec 30, 19, 7:52 pm
  #7  
 
Join Date: Dec 2014
Posts: 249
Originally Posted by threeoh View Post
You need to get a statement from the carrier saying that the cancellation was due to severe weather. You can try them on twitter or reach out through the website.
Thanks for the response. For the above, can I paste a screenshot of a Twitter convo where they give me a reason or do I need to ask them to email me a document etc?

You never got an email with your updated itinerary?
I was a companion on my wife's ticket so I didn't get any emails to begin with even for the original trip. Checked with her and she doesn't have any emails for the updated flight either. She was sent some SMS but she never saved it. I will try asking Southwest to send me something as you suggested.

I'm assuming you live in BOS for this discussion.

I would definitely submit a Trip Delay claim, not Trip Cancellation. But they may have an internal process for swapping them, and also the Trip Interruption insurance now includes $250 to get you to the airport for your new flight, so possibly it could be covered under that? I'd just go with the Trip Delay process, personally.

You'll need a statement from the carrier saying the cause of the delay, you can get one from this website: https://www.delta.com/contactus/page...tion/index.jsp or reach out on twitter. For Updated Travel Itinerary again boarding passes or check your email for new itin or ask them for it.

Make sure to include taxis, meals, etc. if you have receipts.
Thanks a lot for that Delta link! Wish Southwest had something like this as well. And yes, my home base is BOS. For the Delta trip I luckily have both the original and revised itineraries already.

Btw is there a statute of limitations on these claims? Since I'm only now learning about how this benefit works, wondering if I can claim for a trip delay with Southwest back in July lol. I imagine trying to get paperwork from the airline for something that long ago will be difficult.

Really appreciate the help. Thanks a lot!
shinjukuflyer is offline  
Old Dec 30, 19, 8:07 pm
  #8  
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Join Date: Sep 2014
Posts: 1,979
Originally Posted by shinjukuflyer View Post
Thanks for the response. For the above, can I paste a screenshot of a Twitter convo where they give me a reason or do I need to ask them to email me a document etc?
A screenshot of a Twitter DM from Southwest is exactly what I used for my last claim. I just said "Hi I was on flight XXX on date XX/XX passenger name XXX and pnr XXX, can you tell my why my flight was cancelled?". They responded in ~5 minutes.

Btw is there a statute of limitations on these claims? Since I'm only now learning about how this benefit works, wondering if I can claim for a trip delay with Southwest back in July lol. I imagine trying to get paperwork from the airline for something that long ago will be difficult.
Actually I imagine getting the airline to produce a delay letter from 6 months ago would be pretty easy. It's not like they delete their flight history after 6 months.

However, I think you've blown the deadline for the insurance.

For Trip Delay, you have to start the claim process within 60 days and supply all requested documents within 100 days.

For Trip Cancellation, you have to start the claim process within 20 days and supply all requested documents within 90 days (if possible, and within 1 year if not).
threeoh is offline  
Old Jan 5, 20, 12:17 pm
  #9  
 
Join Date: Jan 2020
Posts: 1
Finding contradicting info on this. Base on the following I'm still confused.

"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"

My wife and I booked a flight for a Family reunion for next July 19th 2020. We booked this flight on 11/26/2019. On the 3rd week of December we find out that we are pregnant. We had our 1st doc appointment this past Friday that put our measurements at 8 weeks 6 days pregnant with a delivery date of August 8th. Due to this the whole family is rescheduling the reunion to June 7th. What's the best way to go about this, cancel the flight and file a claim, or pay a change flight fee and hope to get reimburse? Is this scenario covered since we booked the flight before we knew we were pregnant? Airline is American Airlines. Card used is Chase sapphire reserve. Paid partially with reward points thru the chase travel portal. Thanks
Jflores14 is offline  
Old Jan 5, 20, 2:01 pm
  #10  
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Posts: 1,979
Originally Posted by Jflores14 View Post
Finding contradicting info on this. Base on the following I'm still confused.

"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"

My wife and I booked a flight for a Family reunion for next July 19th 2020. We booked this flight on 11/26/2019. On the 3rd week of December we find out that we are pregnant. We had our 1st doc appointment this past Friday that put our measurements at 8 weeks 6 days pregnant with a delivery date of August 8th. Due to this the whole family is rescheduling the reunion to June 7th. What's the best way to go about this, cancel the flight and file a claim, or pay a change flight fee and hope to get reimburse? Is this scenario covered since we booked the flight before we knew we were pregnant? Airline is American Airlines. Card used is Chase sapphire reserve. Paid partially with reward points thru the chase travel portal. Thanks
I don't have any experience with this and the language is fairly newly added to the coverage, but I'm pretty sure it's clear that travel after the 26th week of pregnancy is not covered regardless of whether you knew you were pregnant when you booked. Basically it's to cover unexpected early-term complications, not an aversion to flying late in the pregnancy.

I think your options are (a) call AA and ask for a favor / an exception of the policy, (b) wait for a while and hope there is a 60+ minute schedule change to one of your flights, which would entitle you to a full refund, or (c) change your tickets to June 7th and pay the $200 per person change fee.

Or book new June tickets now with new money, and wait for a schedule change or cancellation of the July flight to get a refund -- if it doesn't materialize you can cancel at last minute and re-use those funds (with $200 change fee) for a different trip within a year, if you plan to travel on AA within the next year. With 6 months to go this is not guaranteed but not unlikely, and you'd have your new flights locked in already. BUT, requires tying up more funds and also only makes sense if you'll be able to use the cancelled flight funds within their period of validity.

Or pay the change fee and submit an insurance claim for the $200 each ($400 total) and see what happens, only takes a few minutes. I would not cancel and try to get reimbursed for the whole flight, you'd have to wait a full year for the funds to expire or convince them you won't be able to use them within a year. More straight forward (and lower risk) to ask for $400 total in change fee reimbursement.
threeoh is offline  
Old Jan 7, 20, 7:11 pm
  #11  
 
Join Date: Dec 2014
Posts: 249
Originally Posted by shinjukuflyer View Post
Situation 1
Was flying Southwest from BOS-CUN with a layover in BWI. The flight out of BOS was delayed (I think because of weather) enough that they told me at the gate there was no way I would make the CUN connection, and since it was the last flight that day, I would have to be rebooked for CUN the following day. So that's what I did, but because of that I lost my pre-paid hotel and car rental at CUN for that night.
An update on this claim. I'm being asked to provide:
  1. Verification from the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier (ex: airlines,
    cruise lines, hotels, etc.) on their letterhead or email regarding any refunds or credits provided for future
    travel.
  2. A copy of your updated itinerary outlining any change fees you incurred to change your trip or
    documentation from the Common Carrier outlining any change fees you would incur to use your credit
    at a later date.
What should I provide for 1? Southwest isn't refunding me for anything. Do I need it in writing from them stating this fact? For 2, I already submitted a copy of my updated itinerary. There were no change fees incurred.
shinjukuflyer is offline  
Old Jan 15, 20, 9:28 pm
  #12  
 
Join Date: Dec 2014
Posts: 249
Originally Posted by shinjukuflyer View Post
Hello, I am trying to submit a trip cancellation claim with the CSR for the first time and would appreciate some guidance. These are two separate incidents:

Situation 1
Was flying Southwest from BOS-CUN with a layover in BWI. The flight out of BOS was delayed (I think because of weather) enough that they told me at the gate there was no way I would make the CUN connection, and since it was the last flight that day, I would have to be rebooked for CUN the following day. So that's what I did, but because of that I lost my pre-paid hotel and car rental at CUN for that night.

I submitted a claim for the hotel and car rental online. I am now being asked to provide a bunch of documentation. Some of which is self-explanatory but there other items that I'm unsure about. For instance:
  • Cause of Cancellation - what am I expected to provide here?
  • MBS Common Carrier Tix - ?
  • Updated Travel Itinerary - what should I provide here? If I look online at Southwest, under My Trips I still see the original booking, not the revised one for the following day.
Situation 2
Was flying Delta from DTW-BOS. Flight out of DTW was cancelled due to weather in BOS, was rebooked the following day, and had to pay for a taxi ride to the airport again. When submitting both this claim and the one above, I spoke to a rep over the phone who told me both would be Trip Cancellation claims. However reading the wiki above this situation sounds like a Trip Delay, since the taxi was a new expense not a prepaid one. Should I cancel the current claim and submit a new one for Trip Delay instead? Also, similar questions around the evidence requested e.g. not sure what to provide for MBS Common Carrier Tix, Updated Travel Itinerary.

Would appreciate any help. Thanks!
Update: both issues resolved.

Situation 1: Card services asked me to get it in writing from each of the airline, hotel, and car rental that they wouldn't cover my loss. They told me this is because this benefit is secondary to anything these others provide. Well when I contacted Southwest they offered me a gift card that more than made up for my hotel + car rental loss, and the car rental place gave me a full refund as well. So it sorted itself out, and I cancelled my claim.

Situation 2: Claim covered my taxi fare. Also I saw that even though I submitted this as Trip Cancellation, they changed it automatically on their end to Trip Delay.
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shinjukuflyer is offline  
Old Jan 23, 20, 10:03 am
  #13  
 
Join Date: Jun 2015
Posts: 39
would this be qualified to Chase Trip Delay insurance

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
jackkyxu is offline  
Old Jan 23, 20, 10:46 am
  #14  
mia
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Originally Posted by jackkyxu View Post
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....
Now the new flight of PEK-a_China_city would be in the morning next day, so there is an overnight there.
I do not think the policy will cover this, because you were notified in advance:

What’s Not Covered?
The Trip Delay Reimbursement benefit does not apply to:
• Any delay due to a Covered Hazard which was made public or
made known to You prior to Your departure
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mia is offline  
Old Jan 23, 20, 11:03 am
  #15  
 
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Originally Posted by mia View Post
I do not think the policy will cover this, because you were notified in advance:

thanks
jackkyxu is offline  

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