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)
Dec 20, 2020, 2:19 pm
#211
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
If a flight ex Europe has a substantial delay (6+ hours, but not overnight) and is eligible for compensation under EC261, is there any issue with also claiming expense reimbursement under CSR protection (for a hotel day room, meals, etc)? Would I also be able to claim for expenses like clothing even though it’s not an overnight delay (e.g. buying a pair of shorts when stuck in a warm weather location or a jacket when delayed in a cold weather location)?
Dec 20, 2020, 6:23 pm
#212
Join Date: Apr 2002
Location: Atlanta Metro
Programs: DL , AC, BA, Hhonors Diamond, IH Platinum, Bonvoy Gold, Hyatt Discoverist
Posts: 2,358
I'm in a peculiar situation, and would love some insight from the FT experts. TIA.
I have some upcoming international travel in mid-December, and I had originally booked a Delta flight with the last leg on a codeshare flight with a local carrier (say LAX-MEX-GDL, with LAX-MEX on Delta, and MEX-GDL on Aeromexico), though the entire itinerary was ticketed by Delta - the ticket was paid for with a CSR.
Turns out that the last leg was rescheduled resulting in too little time to make the connection, so Delta was able to change my flight to a direct LAX-GDL flight - which has the same confirmation code, but the eTicket number changed.
In the confirmation email, the payment method states that "Remaining value of previous eTicket <Old eTicket number> was applied to this purchase" instead of "Visa ending in 1234"
Am I still eligible for CSR travel benefits, specially since the confirmation code is the same (but eTicket number changed) and I paid for the former ticket using my CSR card?
Has anyone been in such a situation before? I tried scouting the forums and other sites, but couldn't find specifics on such a situation.
I have some upcoming international travel in mid-December, and I had originally booked a Delta flight with the last leg on a codeshare flight with a local carrier (say LAX-MEX-GDL, with LAX-MEX on Delta, and MEX-GDL on Aeromexico), though the entire itinerary was ticketed by Delta - the ticket was paid for with a CSR.
Turns out that the last leg was rescheduled resulting in too little time to make the connection, so Delta was able to change my flight to a direct LAX-GDL flight - which has the same confirmation code, but the eTicket number changed.
In the confirmation email, the payment method states that "Remaining value of previous eTicket <Old eTicket number> was applied to this purchase" instead of "Visa ending in 1234"
Am I still eligible for CSR travel benefits, specially since the confirmation code is the same (but eTicket number changed) and I paid for the former ticket using my CSR card?
Has anyone been in such a situation before? I tried scouting the forums and other sites, but couldn't find specifics on such a situation.
I suspect they would try to deny any claim initially. However, if you gave them enough documentation, they might relent. Let's hope you don't need to use it!
Dec 24, 2020, 10:28 am
#213
Original Poster
Join Date: Sep 2014
Posts: 2,531
If a flight ex Europe has a substantial delay (6+ hours, but not overnight) and is eligible for compensation under EC261, is there any issue with also claiming expense reimbursement under CSR protection (for a hotel day room, meals, etc)? Would I also be able to claim for expenses like clothing even though it’s not an overnight delay (e.g. buying a pair of shorts when stuck in a warm weather location or a jacket when delayed in a cold weather location)?
(1) duty of care, e.g. hotel, meals, and local transport. This can be directly arranged or they can reimburse you. If the airline covers this for you, you can't claim it from your travel insurance.
(2) €600 if certain conditions are met. This is compensation for the inconvenience of the delay, not for any specific expense you incurred, so I don't see a problem with any of this "double dipping" with other expenses. It's like getting a $200 "we're sorry" voucher from a U.S. airline, doesn't impact travel insurance.
However, if the airline reimbursed you for e.g. a taxi or hotel but you kept a copy of the receipts and ALSO tried to get reimbursement through the Trip Delay coverage, that would be insurance fraud imo.
I was once delayed overnight in BCN and the airline arranged for a hotel and also reimbursed me (in cash!) for taxi to and from. So I didn't claim those through CSR. But I did claim some late-night snacks (the line for meal voucher was 100+ people long and it was almost midnight, so I skipped that) and a €10 t-shirt IIRC. Then I got my €600 from the airline.
Dec 24, 2020, 11:12 am
#214
Join Date: Sep 2020
Programs: AA EXP, BA Gold, VS Gold, Hyatt Globalist, Marriott Platinum, Hilton Diamond
Posts: 3,948
There are two kinds of thing provided from EC261:
(1) duty of care, e.g. hotel, meals, and local transport. This can be directly arranged or they can reimburse you. If the airline covers this for you, you can't claim it from your travel insurance.
(2) €600 if certain conditions are met. This is compensation for the inconvenience of the delay, not for any specific expense you incurred, so I don't see a problem with any of this "double dipping" with other expenses. It's like getting a $200 "we're sorry" voucher from a U.S. airline, doesn't impact travel insurance.
However, if the airline reimbursed you for e.g. a taxi or hotel but you kept a copy of the receipts and ALSO tried to get reimbursement through the Trip Delay coverage, that would be insurance fraud imo.
I was once delayed overnight in BCN and the airline arranged for a hotel and also reimbursed me (in cash!) for taxi to and from. So I didn't claim those through CSR. But I did claim some late-night snacks (the line for meal voucher was 100+ people long and it was almost midnight, so I skipped that) and a €10 t-shirt IIRC. Then I got my €600 from the airline.
(1) duty of care, e.g. hotel, meals, and local transport. This can be directly arranged or they can reimburse you. If the airline covers this for you, you can't claim it from your travel insurance.
(2) €600 if certain conditions are met. This is compensation for the inconvenience of the delay, not for any specific expense you incurred, so I don't see a problem with any of this "double dipping" with other expenses. It's like getting a $200 "we're sorry" voucher from a U.S. airline, doesn't impact travel insurance.
However, if the airline reimbursed you for e.g. a taxi or hotel but you kept a copy of the receipts and ALSO tried to get reimbursement through the Trip Delay coverage, that would be insurance fraud imo.
I was once delayed overnight in BCN and the airline arranged for a hotel and also reimbursed me (in cash!) for taxi to and from. So I didn't claim those through CSR. But I did claim some late-night snacks (the line for meal voucher was 100+ people long and it was almost midnight, so I skipped that) and a €10 t-shirt IIRC. Then I got my €600 from the airline.
Dec 28, 2020, 11:04 am
#215
Original Poster
Join Date: Sep 2014
Posts: 2,531
Thanks. I wasn't intending to claim for expenses through both the airline and CSR, but figured that since the delay wasn't overnight then the airline's duty of care may not extend to taxis, hotel, etc which I believe CSR should cover. Good to know that the €600 amount is entirely separate from any expense claims.
I don't know specifically if a hotel day room is considered a covered expense by CSR, maybe someone who has tried can chime in. Local taxis and meals should be no problem.
Dec 30, 2020, 10:05 am
#216
Join Date: Sep 2020
Programs: AA EXP, BA Gold, VS Gold, Hyatt Globalist, Marriott Platinum, Hilton Diamond
Posts: 3,948
Any data points on how long it's currently taking for claims to be reviewed? The site says five business days, but my claim was submitted more than five days ago and it's still showing as "new".
Dec 31, 2020, 10:34 am
#217
Join Date: Aug 2008
Location: PHL
Programs: UA 1K 1MM, Marriott Gold, IHG Platinum, Raddison Platinum, Avis Presidents Club
Posts: 5,271
Does the CSR coverage have exceptions for COVID? Thinking over future travel scenarios with requirements for COVID testing X hrs before boarding and less reliable flight schedules, I can think of some scenarios
1. Positive test for COVID requires cancellation or delay of trip. Potential Costs: Flight change/cancellation fees, Lost hotel bookings (if past cancellation period), other pre-purchase (train, visa, etc). Would this be covered as an illness under "cancellation" or "interruption"?
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
3. Flight delay/cancellation forces COVID retest Potential Costs: Extra Lodging/Meal costs, Test cost, Follow-on flight change/cancellation fees, Lost hotel bookings (if past cancellation period). I guess I should get some coverage under "Trip Delay"?
I guess #2 can happen for any reason. #1 and #3 are just complications from if a flight delay causes you to go outside your test window.
1. Positive test for COVID requires cancellation or delay of trip. Potential Costs: Flight change/cancellation fees, Lost hotel bookings (if past cancellation period), other pre-purchase (train, visa, etc). Would this be covered as an illness under "cancellation" or "interruption"?
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
3. Flight delay/cancellation forces COVID retest Potential Costs: Extra Lodging/Meal costs, Test cost, Follow-on flight change/cancellation fees, Lost hotel bookings (if past cancellation period). I guess I should get some coverage under "Trip Delay"?
I guess #2 can happen for any reason. #1 and #3 are just complications from if a flight delay causes you to go outside your test window.
Last edited by eng3; Dec 31, 2020 at 10:56 am
Dec 31, 2020, 11:14 am
#218
Original Poster
Join Date: Sep 2014
Posts: 2,531
Does the CSR coverage have exceptions for COVID? Thinking over future travel scenarios with requirements for COVID testing X hrs before boarding and less reliable flight schedules, I can think of some scenarios
1. Positive test for COVID requires cancellation or delay of trip. Potential Costs: Flight change/cancellation fees, Lost hotel bookings (if past cancellation period), other pre-purchase (train, visa, etc). Would this be covered as an illness under "cancellation" or "interruption"?
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
3. Flight delay/cancellation forces COVID retest Potential Costs: Extra Lodging/Meal costs, Test cost, Follow-on flight change/cancellation fees, Lost hotel bookings (if past cancellation period). I guess I should get some coverage under "Trip Delay"?
I guess #2 can happen for any reason. #1 and #3 are just complications from if a flight delay causes you to go outside your test window.
1. Positive test for COVID requires cancellation or delay of trip. Potential Costs: Flight change/cancellation fees, Lost hotel bookings (if past cancellation period), other pre-purchase (train, visa, etc). Would this be covered as an illness under "cancellation" or "interruption"?
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
3. Flight delay/cancellation forces COVID retest Potential Costs: Extra Lodging/Meal costs, Test cost, Follow-on flight change/cancellation fees, Lost hotel bookings (if past cancellation period). I guess I should get some coverage under "Trip Delay"?
I guess #2 can happen for any reason. #1 and #3 are just complications from if a flight delay causes you to go outside your test window.
It also covers quarantine orders but they've taken the position that broad travel bans don't count, you have to individually be under quarantine order.
Depending on where you are, you may automatically be subject to a quarantine order once you test positive. This is probably going to be a fight with the insurance people unless you have a quarantine order in your name, though.
No major airlines are charging change fees right now.
2. Flight cancellation due to low bookings is not a covered hazard of either Trip Delay or Trip Cancellation. And Trip Cancellation/Interruption never covers new tickets / new bookings, it only covers tickets you can't use due to the interruption and can't cancel. New expenses are on you.
3. Trip Delay's covered hazards are "equipment failure, inclement weather, strike and hijacking/skyjacking", so if the original delay is due to one of those then yes you should get up to $500 for covered expenses which are "reasonable additional expenses incurred during a Covered Trip delay, including meals, lodging, toiletries and medication". I would think you have a good argument that another Covid test is a reasonable expense but no data points on this thread.
Dec 31, 2020, 11:40 am
#219
Join Date: Aug 2008
Location: PHL
Programs: UA 1K 1MM, Marriott Gold, IHG Platinum, Raddison Platinum, Avis Presidents Club
Posts: 5,271
I think if I test positive, I should at least be able to get the doctor to produce a note saying I shouldn't travel. I don't know if that counts as an "individual quarantine order". Yes, if I am abroad, that is a little more difficult.
There are not major US airlines currently charging change fees. This can change in the future and one may need to book flights on non-US airlines that do have change fees.
When an airline cancel's a flight, I guess they don't always provide a reason. They are obviously doing it more often now due to low bookings. Hard to say for the future. If they give no reason, is that sufficient for a "trip delay". If I need to make new hotel bookings because I'm skipping part of the trip, is that covered under "trip delay", or only lodging at the point of origin? Does a flight cancelation ever count for "Trip cancellation/interruption" or that only for illness, etc?
There are not major US airlines currently charging change fees. This can change in the future and one may need to book flights on non-US airlines that do have change fees.
When an airline cancel's a flight, I guess they don't always provide a reason. They are obviously doing it more often now due to low bookings. Hard to say for the future. If they give no reason, is that sufficient for a "trip delay". If I need to make new hotel bookings because I'm skipping part of the trip, is that covered under "trip delay", or only lodging at the point of origin? Does a flight cancelation ever count for "Trip cancellation/interruption" or that only for illness, etc?
Last edited by eng3; Dec 31, 2020 at 12:28 pm
Dec 31, 2020, 12:36 pm
#220
Join Date: Jan 2019
Location: SAN, BOS
Programs: AS MVPG100K, BAEC Gold, Hilton Diamond, Bonvoy Plat,
Posts: 2,281
Does the CSR coverage have exceptions for COVID? Thinking over future travel scenarios with requirements for COVID testing X hrs before boarding and less reliable flight schedules, I can think of some scenarios
1. Positive test for COVID requires cancellation or delay of trip. Potential Costs: Flight change/cancellation fees, Lost hotel bookings (if past cancellation period), other pre-purchase (train, visa, etc). Would this be covered as an illness under "cancellation" or "interruption"?
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
3. Flight delay/cancellation forces COVID retest Potential Costs: Extra Lodging/Meal costs, Test cost, Follow-on flight change/cancellation fees, Lost hotel bookings (if past cancellation period). I guess I should get some coverage under "Trip Delay"?
I guess #2 can happen for any reason. #1 and #3 are just complications from if a flight delay causes you to go outside your test window.
1. Positive test for COVID requires cancellation or delay of trip. Potential Costs: Flight change/cancellation fees, Lost hotel bookings (if past cancellation period), other pre-purchase (train, visa, etc). Would this be covered as an illness under "cancellation" or "interruption"?
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
3. Flight delay/cancellation forces COVID retest Potential Costs: Extra Lodging/Meal costs, Test cost, Follow-on flight change/cancellation fees, Lost hotel bookings (if past cancellation period). I guess I should get some coverage under "Trip Delay"?
I guess #2 can happen for any reason. #1 and #3 are just complications from if a flight delay causes you to go outside your test window.
Dec 31, 2020, 4:13 pm
#221
Original Poster
Join Date: Sep 2014
Posts: 2,531
When an airline cancel's a flight, I guess they don't always provide a reason...If they give no reason, is that sufficient for a "trip delay".
If I need to make new hotel bookings because I'm skipping part of the trip, is that covered under "trip delay", or only lodging at the point of origin?
Does a flight cancelation ever count for "Trip cancellation/interruption" or that only for illness, etc?
Dec 31, 2020, 6:49 pm
#222
Join Date: Aug 2008
Location: PHL
Programs: UA 1K 1MM, Marriott Gold, IHG Platinum, Raddison Platinum, Avis Presidents Club
Posts: 5,271
Just to clarify #2, the scenario I give is AAA-BBB-CCC-DDD-AAA, Assuming I was only staying one night in CCC, BBB-CCC getting delayed so changing to BBB-DDD.
Losses:
Old Flight BBB-CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New Flight BBB-DDD: No coverage, though maybe coverage of change fee under interruption if flight delay is due to severe weather.
Lost hotel at CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New hotel night at DDD: Possible coverage under DELAY depending how "reasonable expense" is defined and delay reason. Probably not
Alternatively spending an extra night in BBB: Should be Coverage under DELAY depending on delay reason
My other scenarios seem to be covered.
#1 Catching COVID, with a doctors note, would cover my air and hotel cancellations under trip cancellation
#3 Pretty much a typical trip delay as long as the delay reason is covered.
Losses:
Old Flight BBB-CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New Flight BBB-DDD: No coverage, though maybe coverage of change fee under interruption if flight delay is due to severe weather.
Lost hotel at CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New hotel night at DDD: Possible coverage under DELAY depending how "reasonable expense" is defined and delay reason. Probably not
Alternatively spending an extra night in BBB: Should be Coverage under DELAY depending on delay reason
My other scenarios seem to be covered.
#1 Catching COVID, with a doctors note, would cover my air and hotel cancellations under trip cancellation
#3 Pretty much a typical trip delay as long as the delay reason is covered.
Last edited by eng3; Dec 31, 2020 at 7:38 pm
Jan 1, 2021, 3:18 pm
#223
Original Poster
Join Date: Sep 2014
Posts: 2,531
Just to clarify #2, the scenario I give is AAA-BBB-CCC-DDD-AAA, Assuming I was only staying one night in CCC, BBB-CCC getting delayed so changing to BBB-DDD.
Losses:
Old Flight BBB-CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New Flight BBB-DDD: No coverage, though maybe coverage of change fee under interruption if flight delay is due to severe weather.
Lost hotel at CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New hotel night at DDD: Possible coverage under DELAY depending how "reasonable expense" is defined and delay reason. Probably not
Alternatively spending an extra night in BBB: Should be Coverage under DELAY depending on delay reason
My other scenarios seem to be covered.
#1 Catching COVID, with a doctors note, would cover my air and hotel cancellations under trip cancellation
#3 Pretty much a typical trip delay as long as the delay reason is covered.
Losses:
Old Flight BBB-CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New Flight BBB-DDD: No coverage, though maybe coverage of change fee under interruption if flight delay is due to severe weather.
Lost hotel at CCC: No coverage under DELAY. Possible coverage under Interruption if flight delay is due to severe weather
New hotel night at DDD: Possible coverage under DELAY depending how "reasonable expense" is defined and delay reason. Probably not
Alternatively spending an extra night in BBB: Should be Coverage under DELAY depending on delay reason
My other scenarios seem to be covered.
#1 Catching COVID, with a doctors note, would cover my air and hotel cancellations under trip cancellation
#3 Pretty much a typical trip delay as long as the delay reason is covered.
The delayed/cancelled BBB-CCC should be refunded by the carrier if the carrier cancels or severely delays the flight, regardless of reason (at least under US, EU, and most other country's laws).
Note there are various other provisions, for example for Trip Cancellation/Interruption your round-trip from AAA back to AAA has to be 60 days or less and you have to live in AAA.
Jan 5, 2021, 1:30 pm
#224
Join Date: Aug 2000
Location: Exile
Posts: 15,660
2. Flight cancellation due to low bookings (due to covid) forcing last minute rebooking and hotel changes Potential Costs: New flight cost, Lost hotel bookings (if past cancellation period), other pre-purchase. If they cancel the flight, I assume the airline will rebook me. I have no coverage for the lost hotel booking but an overnight stay (assuming the airline doesnt provide would be covered). What if its a delay or the rebooking delays me so much that it is a trip in vain at least for that segment. The airline may reroute me for free or I'll have to cancel and rebook. In that case, do I have coverage for the lost ticket or new ticket? Lost hotel or new hotel?
Jan 5, 2021, 1:32 pm
#225
Join Date: Sep 2020
Programs: AA EXP, BA Gold, VS Gold, Hyatt Globalist, Marriott Platinum, Hilton Diamond
Posts: 3,948
I had a flight cancellation due to closure of destination airport due to COVID restrictions after I was already en-route from my departure airport to the first connection point. I was rebooked to an alternate airport 4 hours drive away, but it required an overnight stay on my account. My claim was denied on the basis that flight cancellations due to COVID pandemic related reasons are not a covered hazard.
It seems crazy they wouldn’t pay out because it was covid related.