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 17, 2021, 6:12 am
#316
Join Date: Jun 2011
Location: AL
Programs: All of the Above
Posts: 1,374
Do you have any links to the reports of a governmental mandated quarantine not being covered by the trip delay insurance? Most African countries now also require negative tests to depart the country, and you must wait 5+ days before you can retest if you test positive, which I would think would be covered by this Trip Delay insurance.
Jul 19, 2021, 3:20 pm
#317
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,891
Trying to confirm I will be covered with Chase Trip Delay/cancellation/interruption for both directions of a round trip if I do the following:
Book a roundtrip (AAA-BBB-AAA) as two one-ways - AAA-BBB and BBB-AAA on separate PNRs, paying for the outbound with the card (or a combo of UA Travelbank/FFC and card), and book the return fully with cancelled flight credit (so nothing from the return would go on the card). Presumably, any hotel would be covered as well if I use the card to pay. Is it still considered and roundtrip (and presumably covered) if the flights would be instead book as AAA-BBB and BBB-CCC, where AAA and CCC is the same metro area (in this case, would be SFO and SJC)?
By my reading of the terms, it should be covered, since I am putting 'a portion' of the air tickets on the card, even if one entire direction doesn't use the card at all. But obviously, I know insurers have 'gotcha's' where a layman's reading and what they actually mean with it can be different.
Book a roundtrip (AAA-BBB-AAA) as two one-ways - AAA-BBB and BBB-AAA on separate PNRs, paying for the outbound with the card (or a combo of UA Travelbank/FFC and card), and book the return fully with cancelled flight credit (so nothing from the return would go on the card). Presumably, any hotel would be covered as well if I use the card to pay. Is it still considered and roundtrip (and presumably covered) if the flights would be instead book as AAA-BBB and BBB-CCC, where AAA and CCC is the same metro area (in this case, would be SFO and SJC)?
By my reading of the terms, it should be covered, since I am putting 'a portion' of the air tickets on the card, even if one entire direction doesn't use the card at all. But obviously, I know insurers have 'gotcha's' where a layman's reading and what they actually mean with it can be different.
Jul 19, 2021, 3:33 pm
#318
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
Actually, insurance is designed to be interpreted as layman terms, which is a measure of consumer protection. However, whether the benefit is considered an insurance is another story.
Jul 19, 2021, 3:43 pm
#319
Original Poster
Join Date: Sep 2014
Posts: 2,531
Trying to confirm I will be covered with Chase Trip Delay/cancellation/interruption for both directions of a round trip if I do the following:
Book a roundtrip (AAA-BBB-AAA) as two one-ways - AAA-BBB and BBB-AAA on separate PNRs, paying for the outbound with the card (or a combo of UA Travelbank/FFC and card), and book the return fully with cancelled flight credit (so nothing from the return would go on the card).
Book a roundtrip (AAA-BBB-AAA) as two one-ways - AAA-BBB and BBB-AAA on separate PNRs, paying for the outbound with the card (or a combo of UA Travelbank/FFC and card), and book the return fully with cancelled flight credit (so nothing from the return would go on the card).
For Trip Delay it's only the flight that you paid for with the card that is covered. I have done this many times and been covered. (If the other flight is delayed, then no coverage.)
For Trip Cancellation/Interruption only the things (flights, hotels, etc.) that are paid for with the card are covered. Anything you pre-paid on another card would not be covered. Note that you don't need to even take a common carrier to be covered by this, if you just book a hotel and plan to drive there, and your trip is cancelled for a covered reason, the hotel is nonrefundable, then your hotel would be reimbursed.
With no change fees anymore, the coverage is less useful for plane tickets than it once was, unless you buy Basic Economy or similar, or are unable to complete your trip within a year.
Is it still considered and roundtrip (and presumably covered) if the flights would be instead book as AAA-BBB and BBB-CCC, where AAA and CCC is the same metro area (in this case, would be SFO and SJC)
Jul 19, 2021, 6:11 pm
#320
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,891
This counts as round-trip because you are leaving your home and returning to it.
For Trip Delay it's only the flight that you paid for with the card that is covered. I have done this many times and been covered. (If the other flight is delayed, then no coverage.)
For Trip Cancellation/Interruption only the things (flights, hotels, etc.) that are paid for with the card are covered. Anything you pre-paid on another card would not be covered. Note that you don't need to even take a common carrier to be covered by this, if you just book a hotel and plan to drive there, and your trip is cancelled for a covered reason, the hotel is nonrefundable, then your hotel would be reimbursed.
With no change fees anymore, the coverage is less useful for plane tickets than it once was, unless you buy Basic Economy or similar, or are unable to complete your trip within a year.
This is pretty clearly a yes, but I can't recall anyone on this thread directly reporting doing this. The question is whether you leave your residence and then return to it -- that's a round trip. I've had trips AAA-BBB-CCC-DDD-EEE-AAA, some on different cards, and DDD-EEE got delayed and the coverage kicked in.
For Trip Delay it's only the flight that you paid for with the card that is covered. I have done this many times and been covered. (If the other flight is delayed, then no coverage.)
For Trip Cancellation/Interruption only the things (flights, hotels, etc.) that are paid for with the card are covered. Anything you pre-paid on another card would not be covered. Note that you don't need to even take a common carrier to be covered by this, if you just book a hotel and plan to drive there, and your trip is cancelled for a covered reason, the hotel is nonrefundable, then your hotel would be reimbursed.
With no change fees anymore, the coverage is less useful for plane tickets than it once was, unless you buy Basic Economy or similar, or are unable to complete your trip within a year.
This is pretty clearly a yes, but I can't recall anyone on this thread directly reporting doing this. The question is whether you leave your residence and then return to it -- that's a round trip. I've had trips AAA-BBB-CCC-DDD-EEE-AAA, some on different cards, and DDD-EEE got delayed and the coverage kicked in.
I do appreciate the fact that no common carrier is required to activate benefits for trip cancelation/interruption with the CSR. I’m working on getting an Amex plat, and seems the terms require you depart by common carrier (and with limited exceptions, fully paid for by the card) for any benefits to apply , so for example, a road trip (which we so happen to be doing in August - different trip), wouldn’t be covered by their trip cancelation/interruption. Which IMO, is a bit of a cop out on their part.
Jul 20, 2021, 6:06 pm
#321
Original Poster
Join Date: Sep 2014
Posts: 2,531
Booking the flights altogether as a single round trip would ... mean the fare would be covered entirely by the canceled flight credit, which would also result in no coverage for the air portion.
The Trip Cancellation/Interruption coverage is not that useful on a flight that has no change fees, assuming you can use the credit within a year, so I wouldn't sweat it that much. It is extremely helpful for hotels, etc. that might not have good cancellation policies.
Trip Delay still very helpful for flights, especially non-Europe flights, where you can easily end up with a hotel and several meals out of pocket due to an overnight weather delay. I'd pay for my return flight with the credit card unless you are staying with friends/family -- i.e. if a delay would require sleeping in a hotel or an airport.
If your outbound (paid for with flight credit, so not covered) is delayed you can stay at home with minimal expenses, assuming you don't live a super long way from the airport.
Jul 22, 2021, 11:36 pm
#322
Join Date: Apr 2017
Posts: 471
Just a quick question and correct me if I am wrong, the travel card benefits of CSP cover the whole trip even if there is only portion paid from the card regardless of much was that portion and would cover the whole trip, not up to that paid portion? Because I have other rewards program I am planning to redeem a ticket and it allows a combination points + payment, so I am thinking to just use $5 on CSP.
Jul 23, 2021, 7:01 am
#323
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
To get a meaningful reply you will need to specify which benefits you want to rely on, and what portion(s) of the trip you will use Sapphire to partially pay for.
Jul 23, 2021, 6:07 pm
#324
Join Date: Jun 2001
Location: San Diego Area
Programs: UA Gold MM, AA Gold MM, Marriott Plat LT, HH Gold, IHG Plat, WoH Discvst, Hertz PC
Posts: 1,834
I used UR points from my CSR account to pay for a pair of round trip (actually open-jaw) non-refundable flights. Purpose of the trip was to take a cruise. Previous to booking the flights, I had paid for the cruise with a charge on the same CSR card. The cruise company canceled the cruise. The cruise company is willing to give a total refund for the canceled the cruise, but I have chosen to book a different cruise with the credit from the cancelled cruise. However, the new cruise is more than a year after the date on which I bought the plane tickets (i.e., beyond the date where I could do a simple no-fee change to the flights; at least I think that one-year limitation is the case; please correct me if I’m wrong).
The question: Can anyone suggest strategies for getting Trip Cancellation or Trip Delay coverage to restore the points for the flights that I need to cancel? (I would prefer have the points restored rather than get their cash value). Or get the coverage to extend the value of the “future flight credit” beyond a year? Other thoughts?
The question: Can anyone suggest strategies for getting Trip Cancellation or Trip Delay coverage to restore the points for the flights that I need to cancel? (I would prefer have the points restored rather than get their cash value). Or get the coverage to extend the value of the “future flight credit” beyond a year? Other thoughts?
Jul 24, 2021, 11:45 pm
#325
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,891
I used UR points from my CSR account to pay for a pair of round trip (actually open-jaw) non-refundable flights. Purpose of the trip was to take a cruise. Previous to booking the flights, I had paid for the cruise with a charge on the same CSR card. The cruise company canceled the cruise. The cruise company is willing to give a total refund for the canceled the cruise, but I have chosen to book a different cruise with the credit from the cancelled cruise. However, the new cruise is more than a year after the date on which I bought the plane tickets (i.e., beyond the date where I could do a simple no-fee change to the flights; at least I think that one-year limitation is the case; please correct me if I’m wrong).
The question: Can anyone suggest strategies for getting Trip Cancellation or Trip Delay coverage to restore the points for the flights that I need to cancel? (I would prefer have the points restored rather than get their cash value). Or get the coverage to extend the value of the “future flight credit” beyond a year? Other thoughts?
The question: Can anyone suggest strategies for getting Trip Cancellation or Trip Delay coverage to restore the points for the flights that I need to cancel? (I would prefer have the points restored rather than get their cash value). Or get the coverage to extend the value of the “future flight credit” beyond a year? Other thoughts?
What if You Paid for Your Trip Using Redeemable Chase Rewards?
In the event of a loss, Rewards redeemed for travel will be reimbursed in an amount equal to their monetary value. If the monetary value of the redemption does not appear on the Trip itinerary or redemption confirmation issued by the Travel Supplier, we will reimburse each point redeemed at a rate of $.01 per reward unit. Redeposit fees imposed by a Rewards program administrator are also eligible for reimbursement.
In the event of a loss, Rewards redeemed for travel will be reimbursed in an amount equal to their monetary value. If the monetary value of the redemption does not appear on the Trip itinerary or redemption confirmation issued by the Travel Supplier, we will reimburse each point redeemed at a rate of $.01 per reward unit. Redeposit fees imposed by a Rewards program administrator are also eligible for reimbursement.
There is no way that I am aware of - insurance or not - to extend the validity of a future flight credit. Well...technically this did happen at the outset of the pandemic, but only the carrier can do that. Might it be technically possible - maybe. Will it happen in this case - almost certainly not.
The typical process has been to claim any change fees immediately when you file the claim - that's mostly moot at this point on most domestic carriers anyway - and then to claim the value of the tickets if you don't use them by the time they expire. I don't believe there is a way to claim that back earlier than that. So you can either choose to use the FFC you get to cover a different trip before it expires, or wait it out, and then claim at expiry.
On another note, interestingly enough, I was starting to look at an older guide to benefits, which states the following: "[insurance] does not apply to a Covered Loss caused directly or indirectly from: travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any Travel Agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation." In that case, I'm not sure this would even be considered covered. I did download a newer version, dated 2/2020, and that language seems to have been removed, and don't see anything similar.
Jul 26, 2021, 12:20 pm
#326
Join Date: Jul 2019
Posts: 51
I think booking OAL was the right call. You can cancel your United reservation online (if you don't have an acct with United, you can click "My Trips" and enter PNR + last name) and then separately request a refund here: https://www.united.com/ual/en/us/fly...-policies.html .
Please report back! This is a common question on this thread but only a few data points.
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.
Please report back! This is a common question on this thread but only a few data points.
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.
Jul 30, 2021, 9:53 pm
#327
Join Date: Aug 2018
Programs: UA 1K, Hyatt Globalist
Posts: 114
If I drive to a city and fly back home, putting a portion of the ticket for the flight back on my CSR, will trip delay insurance cover any delays?
Jul 31, 2021, 11:33 am
#328
Original Poster
Join Date: Sep 2014
Posts: 2,531
Be prepared to show documentation of when you left home to prove the trip was round-trip taking less than 365 days. Maybe just a document with your itinerary, shots of your odometer or place name signs out the window, etc. Or a dated receipt from gas station in your hometown and then dated receipt from gas station at your destination.
Aug 2, 2021, 3:31 pm
#329
Join Date: Jul 2018
Posts: 354
AirBnB
Does anybody have experience getting reimbursed (or not) for a travel claim with CSR/CSP and AirBnB?
Aug 3, 2021, 4:36 am
#330
Join Date: Jun 2011
Location: AL
Programs: All of the Above
Posts: 1,374
Does anyone have an experience with a government mandated quarantine? In many African countries you must test negative prior to departing the country, and if you test positive you have to wait 5-7 days to test again. Would Chase then cover the trip delay and change fees and hotel/meals for the 5-7 day delay?