Jan 6, 2020, 8:34 pm
Last edit by: threeoh
To review discussion from 2016-2019 click HERE.
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my return flight. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Update: new Guide language says "per Covered Trip" and there are reports of a claim on the return leg being denied because of a successful claim on the outbound leg.
Experiences:
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my return flight. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Update: new Guide language says "per Covered Trip" and there are reports of a claim on the return leg being denied because of a successful claim on the outbound leg.
Experiences:
- 01/2014 - Delayed in MSP overnight due to mechanical issues. ~$300 for Hotel Ivy downtown, meals, and ground transportation covered with no issues. Benefits applied to AMEX FHR. Claim processed within 1 week. [Full Report]
- 02/2014 - Flight was cancelled due to weather; booked Amtrak with points, which was then delayed because of downed electrical wires; rented a car and drove home. Used print out from flightaware.com to show flight was cancelled, claimed non-points dollar amount for Amtrak ticket, got Chase (not insurance) to request receipts from vendors that weren't saved by OP. All was covered. Full report
- 04/2014 - Delayed in DTW overnight due to crew member time-out. ~$400 for DTW Westin and meals covered with no issues. Claim processed within 1 week. Full Report
- 07/2014- Delayed in MSP overnight due to weather at destination. Booked Marriott Mall of America for $120, and meals for 3 and a shirt were all covered. Recommend keeping new and old boarding passes.
- 12/2014 - Trip delay in WAS (flight was delayed because of MX causing misconnect and overnight. Reward flight with taxes+fees on Chase card. OP + wife were covered $632 for a for a room, dinner, and taxi roundtrip from the airport. Gratuity was not reimbursed and could not convince them to after a phone call. Hotel Was $380 after tax and this was not a problem.
- 07/2016 - Delayed in YYC overnight due to mechanical problems. Claim paid out ~$300. Full report.
- 7/2017 - Delayed in EWR due to thunderstorms. ~$390 for hotel, uber, meals. Claim processed within a week, no issues. Full report.
- 9/2017 - Delayed in EWR due to Harvey. ~$499 for hotel, ubereats. Claim processed in 7 business days
- 1/2017 - $625 covered on two tickets on JetBlue award flight with taxes+fees on Chase in FLL. Missed connection due to Mx. Incl. $65 at Walgreens, r/t uber to hotel, uber home, $265 hotel, $180 meal. Tax, tip, and alcohol covered.
- 06/2017 - $258 covered for overnight delay hotel/dinner. Did not cover $50 to pick a seat on next day's flight. Full report
- 08/2017 - covered during ATC equipment failure leading to cancelled flight
- 08/2017 - covered with flightaware showing delay, no direct statement from carrier. Booked dummy return flight on Southwest to 'comply' with r/t requirement.
- 12/2017 - covered for forced overnight due to ATL "Power Outage". Entire ticket, including taxes, was paid for using Ultimate Reward points through my Reserve account. There was no credit card charge showing on my account.
- 1/2018 - covered for $500 including hotel tips, a drink, and minibar snacks w/ no receipt (but showed credit card statement with purchases listed)
- 1/2018 - covered rental + gas to drive to int'l gateway when feeder flight was cancelled.
- 3/2018 - covered int'l phone calls, roaming cell phone data (submitted phone bill), storage locker, and hotel.
- 4/2018 - covered hotel, meals/snacks, cold medicine, Uber ground transport for overnight due to weather. Award ticket with taxes/fees on CSR.
- 5/2018 - covered $250 in hotel, uber, two meals after missing a connection in a "painless but slightly drawn out" process. Had to request a different delay letter because first one didn't state cause of delay. Total turn-around time 40 days including re-requesting delay letter.
- 11/2018 - covered $300+ in hotel, 2 Ubers, 3 meals; did not cover seat charge or Uber home; originally booked with UR points (no CC charge)
- 7/2019 - covered $400+ in hotel, rental car, 3 meals, clothing/toiletries for me, wife and son for 24 hour delay; award tickets with taxes/fees in CSR.
- 01/2021 - covered $225 in meals, hotel, Uber for myself for overnight due to weather; used voucher and paid small amount on the Sapphire Preferred.
- 01/2021 - covered ~$100 for meals and toiletries purchased during a 7+ hour daytime delay.
- 07/2022 - covered $500+ for two travelers: hotel, meals, vending machines for overnight delay at connection; award miles + taxes on CSR
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)
Jul 9, 2021, 3:11 pm
#301
Join Date: Aug 2004
Programs: Continental OnePass
Posts: 856
Hi, I've read through all the policy documents but I'm looking for conformation that I understand it correctly.
My wife and I are heading to Belize next week. We are COVID vaccinated so I'm not worried about getting into Belize. However, since the US requires a negative test prior to returning, I am worried about what would happen if one of us tests positive in Belize and thus require a mandatory 14 day quarantine at our expense. I booked our flights from the US to Belize using a United travel certificate, however I used my Chase Sapphire Reserve to book the flight from Belize City to San Pedro, and for the hotel reservation. Does this count as "charges all or a portion of a Trip to his or her Credit Card Account"? If so, then that combining with the fact that Trip Interruption covers "Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons" would seem to indicate the Chase would cover us (up to $5000 each) if we had to quarantine for 2 weeks in Belize. Am I reading it correctly?
Thanks.
Edit: After further reading git seems my quarantine wouldn't be covered, and I need to pick up some Trip Delay insurance just in case.
My wife and I are heading to Belize next week. We are COVID vaccinated so I'm not worried about getting into Belize. However, since the US requires a negative test prior to returning, I am worried about what would happen if one of us tests positive in Belize and thus require a mandatory 14 day quarantine at our expense. I booked our flights from the US to Belize using a United travel certificate, however I used my Chase Sapphire Reserve to book the flight from Belize City to San Pedro, and for the hotel reservation. Does this count as "charges all or a portion of a Trip to his or her Credit Card Account"? If so, then that combining with the fact that Trip Interruption covers "Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons" would seem to indicate the Chase would cover us (up to $5000 each) if we had to quarantine for 2 weeks in Belize. Am I reading it correctly?
Thanks.
Edit: After further reading git seems my quarantine wouldn't be covered, and I need to pick up some Trip Delay insurance just in case.
Last edited by swiftaw; Jul 9, 2021 at 4:23 pm Reason: New Info
Jul 9, 2021, 7:37 pm
#302
Original Poster
Join Date: Sep 2014
Posts: 2,531
Trip Interruption doesn't pay for new expenses (except tiny exceptions like change fees). It reimburses you for pre-paid expenses you miss out on because your trip was cut short. So if you had to come back because you were sick, for example, it would pay for the hotel nights you missed out on and had already paid for.
Trip Delay covers only new expenses like extra nights in a hotel, but only covers common carrier delays due to weather, mechanical, etc. Doesn't cover you if you decide not to or are forced not to travel due to e.g. quarantine.
Finally, the insurer has been trying to weasel out of Covid-related things unless you have an individualized quarantine order with your name on it.
So no, the card insurance doesn't seem to cover your use case.
Trip Delay covers only new expenses like extra nights in a hotel, but only covers common carrier delays due to weather, mechanical, etc. Doesn't cover you if you decide not to or are forced not to travel due to e.g. quarantine.
Finally, the insurer has been trying to weasel out of Covid-related things unless you have an individualized quarantine order with your name on it.
So no, the card insurance doesn't seem to cover your use case.
Jul 10, 2021, 3:35 pm
#303
Join Date: Feb 2006
Posts: 1,065
Chase Trip Delay Insurance-Minimum Airline Charge Amount?
I know the Sapphire Reserve and the Ritz Card both have 6 hour trip delay insurance. I am contemplating taking an international flight in December.
The value of the ticket will be somewhere between $1800-3000+, depending on the dates and class of service.
I have around $2500+ in Delta credit from previously canceled flights and vouchers. I am 100% sure I'll have to call to book this trip, as I don't know what capabilities agents have to apply credits from canceled/upcoming flights to new tickets.
Question: When I book the ticket, I'd like to put a couple hundred dollars of the ticket on my credit card and pay for the remainder with the Delta credits. The cash portion may only be 5-10% of the ticket value. Does anyone know if this will still give me full trip delay insurance with up to $500 per claim, or will Chase notice the low value of the charge, relative to the total value of the flight and tell me to pound sand?
The value of the ticket will be somewhere between $1800-3000+, depending on the dates and class of service.
I have around $2500+ in Delta credit from previously canceled flights and vouchers. I am 100% sure I'll have to call to book this trip, as I don't know what capabilities agents have to apply credits from canceled/upcoming flights to new tickets.
Question: When I book the ticket, I'd like to put a couple hundred dollars of the ticket on my credit card and pay for the remainder with the Delta credits. The cash portion may only be 5-10% of the ticket value. Does anyone know if this will still give me full trip delay insurance with up to $500 per claim, or will Chase notice the low value of the charge, relative to the total value of the flight and tell me to pound sand?
Jul 10, 2021, 4:32 pm
#304
Original Poster
Join Date: Sep 2014
Posts: 2,531
Question: When I book the ticket, I'd like to put a couple hundred dollars of the ticket on my credit card and pay for the remainder with the Delta credits. The cash portion may only be 5-10% of the ticket value. Does anyone know if this will still give me full trip delay insurance with up to $500 per claim, or will Chase notice the low value of the charge, relative to the total value of the flight and tell me to pound sand?
Of course if you buy two one-ways and one is totally on Delta credits and the return is mix of credits and CSR, and the one paid for only with Delta credits is delayed, then you might run into trouble.
But if it's a single round-trip ticket and just a portion is on CSR, that is fine.
Jul 11, 2021, 6:49 am
#305
Join Date: Jul 2019
Posts: 51
Thoughts?
Flight was cancelled due to weather and I am booked on the first flight out tomorrow morning (requires overnight stay). On United CLE-EWR. Delta is still flying today and all other United flights sold out. Can I book a ticket on another carrier and claim the trip delay? I read here it was a mix bag regarding the results but I do t want to be stuck paying out of pocket. Thanks all.
Jul 11, 2021, 8:56 am
#306
Original Poster
Join Date: Sep 2014
Posts: 2,531
Flight was cancelled due to weather and I am booked on the first flight out tomorrow morning (requires overnight stay). On United CLE-EWR. Delta is still flying today and all other United flights sold out. Can I book a ticket on another carrier and claim the trip delay? I read here it was a mix bag regarding the results but I do t want to be stuck paying out of pocket. Thanks all.
United will owe you a cash refund on their cancelled flight, so you'll only be out the difference (Delta flight is $329 right now).
You cold also ask United to put you on the Delta flight or the AA flight. They may or may not, but to avoid an overnight they will sometimes do this.
Jul 12, 2021, 10:07 am
#307
Join Date: Jul 2019
Posts: 51
I wouldn't count on it. Maybe if you show that a walk-up Delta ticket is cheaper than a hotel (take screenshots), but it's not technically covered and I definitely wouldn't rely on it. You're rolling the dice.
United will owe you a cash refund on their cancelled flight, so you'll only be out the difference (Delta flight is $329 right now).
You cold also ask United to put you on the Delta flight or the AA flight. They may or may not, but to avoid an overnight they will sometimes do this.
United will owe you a cash refund on their cancelled flight, so you'll only be out the difference (Delta flight is $329 right now).
You cold also ask United to put you on the Delta flight or the AA flight. They may or may not, but to avoid an overnight they will sometimes do this.
I also cannot believe that both of my flights actually got cancelled for "Weather" as it couldn't have been nicer out when flying....feels a little shady by united to not have to provide compensation.
Jul 12, 2021, 10:34 am
#308
Moderator
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Jul 12, 2021, 11:10 am
#310
Moderator
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Suppose the crew could have been coming from an origin with poor weather.
Jul 12, 2021, 12:04 pm
#311
Original Poster
Join Date: Sep 2014
Posts: 2,531
I submitted the Delta fares into my claim with Chase and hoping they will get approved. Between another night at the hotel, parking, rental car, and food it easily should net each other out but who knows. Will provide an update when available.
I also cannot believe that both of my flights actually got cancelled for "Weather" as it couldn't have been nicer out when flying.
Last edited by mia; Jul 12, 2021 at 12:36 pm Reason: Formatting
Jul 12, 2021, 12:16 pm
#312
Join Date: Jul 2019
Posts: 51
This morning (7/12)'s flight currently says "We want you to know your flight is departing late because the flight crew is completing pre-departure safety checks. Your safety is our priority and we're sorry for the inconvenience. (Estimated Departure 6 Hours 45 Minutes Late)", which is weird. Sounds like the crew arriving late, so maybe they arrived late due to weather.
Last edited by mia; Jul 12, 2021 at 12:36 pm Reason: Formatting
Jul 12, 2021, 2:03 pm
#313
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,891
Thanks - my flight this AM was also cancelled due to "Weather" and I was rebooked again to 7/13 in the AM. Ended up just booking a delta flight instead and now back in NYC and requesting a cancelation from United (cant get anyone on the phone). I submitted the Delta fares into my claim with Chase and hoping they will get approved. Between another night at the hotel, parking, rental car, and food it easily should net each other out but who knows. Will provide an update when available.
I also cannot believe that both of my flights actually got cancelled for "Weather" as it couldn't have been nicer out when flying....feels a little shady by united to not have to provide compensation.
I also cannot believe that both of my flights actually got cancelled for "Weather" as it couldn't have been nicer out when flying....feels a little shady by united to not have to provide compensation.
Your Delta fare, incurred on your own, is unlikely to generate a reimbursement. Typically, trip delay includes incidental expenses like meals, hotels, etc. during delay. UA is responsible for getting you home, including, based on situation, putting you OAL is at their discretion (typically, I've usually not had a problem with convincing UA to do it when it makes sense, but I'm not sure if my status has helped along the years, and definitely helps when you try to feed them the flights you want). While it's possible it might make it through the claim process, typically, I don't believe that's the intent. Even if hotel and meals would equal the same amount, one would clearly be reimbursable, the other, not so much.
Jul 12, 2021, 2:45 pm
#314
Original Poster
Join Date: Sep 2014
Posts: 2,531
But if you're going to do it anyway, I'd submit a claim since it takes 5 minutes and $0 to do so.
Jul 12, 2021, 3:13 pm
#315
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
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Posts: 14,891
There are reports on this thread of people being reimbursed for replacement travel, and also reports of people being denied. Definitely not technically covered and definitely a gamble.
But if you're going to do it anyway, I'd submit a claim since it takes 5 minutes and $0 to do so.
But if you're going to do it anyway, I'd submit a claim since it takes 5 minutes and $0 to do so.
Look, OP has to decide what's better for them, in the end, sometimes it's worth it to go on your own to get home faster, and see what might be covered.
I've had situations where I've done what I've known won't be covered, because it made more sense. One time, I was on a late night flight IAH-PHX, which was coming on a 1.5 hour delay, with new expected arrival time at something like 1am. But I was traveling with our infant, and not knowing if the flight actually would leave at the new time, I just booked at the Marriott, knowing it probably wouldn't be covered, but also knowing the high likelihood was it was going to be better for us and the kid to just go to sleep and get on the flight first thing in the morning (even if it left at new time). Sure enough, the hotel wasn't covered, but it was still worth it to spend the $.