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)
Aug 14, 2021, 7:02 pm
#346
Join Date: May 2009
Location: EUG
Programs: AS MVP, AA MM, HH Diamond, MR Gold
Posts: 8,220
Aug 14, 2021, 7:39 pm
#347
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Aug 14, 2021, 8:33 pm
#348
Join Date: May 2009
Location: EUG
Programs: AS MVP, AA MM, HH Diamond, MR Gold
Posts: 8,220
So a strike by any train, bus or air employees would all have the same effect of delaying someone.
Aug 15, 2021, 4:44 am
#349
Join Date: Dec 2003
Location: NYC
Posts: 6,434
Public transport (also known as public transportation, public transit, mass transit, or simply transit) is a system of transport for passengers by group travel systems available for use by the general public unlike private transport, typically managed on a schedule, operated on established routes, and that charge a posted fee for each trip. Public transport - Wikipedia Wikipedia lists airlines as public transport.
Aug 15, 2021, 8:37 am
#350
Join Date: Mar 2013
Programs: UA 1MM; Marriott LT Titanium
Posts: 678
Any thoughts on whether or not I'll be covered here?
- Had a rental with Hertz booked with points, original reservation indicated estimated fees of about $40 in taxes
- Notified about my returning flight being canceled due to anticipated weather. United could not provide a suitable option within 4 hours from the same airport. Finally got an option leaving a couple hours earlier but at an airport 3 hours away
- Returned the rental to the new airport location, didn't have time to stay and get a receipt. Get randomly charged for $90 to Hertz
- For whatever reason, Hertz did not send an auto receipt, they invoiced me via mail a couple weeks later. Bill is now $565 minus the $90 that was already charged
- Hertz says I'm out of luck since they cannot adjust a rental after it is completed (I had plenty of points for a one way rental)
- United is sorry for the inconvenience but didn't provide any certificates or reimbursement
- Both United ticket and $90 charge to Hertz are on the Chase card
- Haven't paid the full bill yet
- Had a rental with Hertz booked with points, original reservation indicated estimated fees of about $40 in taxes
- Notified about my returning flight being canceled due to anticipated weather. United could not provide a suitable option within 4 hours from the same airport. Finally got an option leaving a couple hours earlier but at an airport 3 hours away
- Returned the rental to the new airport location, didn't have time to stay and get a receipt. Get randomly charged for $90 to Hertz
- For whatever reason, Hertz did not send an auto receipt, they invoiced me via mail a couple weeks later. Bill is now $565 minus the $90 that was already charged
- Hertz says I'm out of luck since they cannot adjust a rental after it is completed (I had plenty of points for a one way rental)
- United is sorry for the inconvenience but didn't provide any certificates or reimbursement
- Both United ticket and $90 charge to Hertz are on the Chase card
- Haven't paid the full bill yet
Aug 15, 2021, 9:34 am
#351
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
Aug 15, 2021, 9:54 am
#352
A FlyerTalk Posting Legend
Join Date: Apr 2013
Location: PHX
Programs: AS 75K; UA 1MM; Hyatt Globalist; Marriott LTP; Hilton Diamond (Aspire)
Posts: 56,470
Insurance policies are interpreted broadly, and in favor of coverage. In this case, there would be a decent argument that "public transportation" includes airlines operating as common carriers, but excludes flying private. And that if Chase wanted to exclude commercial airline strikes from coverage, it should have specifically said so.
Aug 16, 2021, 12:15 am
#353
Join Date: Apr 2013
Programs: SPG, AA, United
Posts: 1,816
Insurance policies are interpreted broadly, and in favor of coverage. In this case, there would be a decent argument that "public transportation" includes airlines operating as common carriers, but excludes flying private. And that if Chase wanted to exclude commercial airline strikes from coverage, it should have specifically said so.
Aug 16, 2021, 4:35 am
#354
Join Date: Dec 2003
Location: NYC
Posts: 6,434
Insurance policies are interpreted broadly, and in favor of coverage. In this case, there would be a decent argument that "public transportation" includes airlines operating as common carriers, but excludes flying private. And that if Chase wanted to exclude commercial airline strikes from coverage, it should have specifically said so.
Aug 16, 2021, 9:56 am
#355
Original Poster
Join Date: Sep 2014
Posts: 2,531
Any thoughts on whether or not I'll be covered here?
- Had a rental with Hertz booked with points, original reservation indicated estimated fees of about $40 in taxes
- Notified about my returning flight being canceled due to anticipated weather. United could not provide a suitable option within 4 hours from the same airport. Finally got an option leaving a couple hours earlier but at an airport 3 hours away
- Returned the rental to the new airport location, didn't have time to stay and get a receipt. Get randomly charged for $90 to Hertz
- For whatever reason, Hertz did not send an auto receipt, they invoiced me via mail a couple weeks later. Bill is now $565 minus the $90 that was already charged
- Hertz says I'm out of luck since they cannot adjust a rental after it is completed (I had plenty of points for a one way rental)
- United is sorry for the inconvenience but didn't provide any certificates or reimbursement
- Both United ticket and $90 charge to Hertz are on the Chase card
- Haven't paid the full bill yet
- Had a rental with Hertz booked with points, original reservation indicated estimated fees of about $40 in taxes
- Notified about my returning flight being canceled due to anticipated weather. United could not provide a suitable option within 4 hours from the same airport. Finally got an option leaving a couple hours earlier but at an airport 3 hours away
- Returned the rental to the new airport location, didn't have time to stay and get a receipt. Get randomly charged for $90 to Hertz
- For whatever reason, Hertz did not send an auto receipt, they invoiced me via mail a couple weeks later. Bill is now $565 minus the $90 that was already charged
- Hertz says I'm out of luck since they cannot adjust a rental after it is completed (I had plenty of points for a one way rental)
- United is sorry for the inconvenience but didn't provide any certificates or reimbursement
- Both United ticket and $90 charge to Hertz are on the Chase card
- Haven't paid the full bill yet
Trip Delay: your trip was not delayed 6+ hours, so no coverage
Trip Cancellation/Interruption: The only pre-paid expenses you have are you plane tickets and you used them. If Hertz charged you a change fee, that fee might be covered, but just changing to a different rental that is more expensive wouldn't count.
Aug 17, 2021, 4:26 am
#356
Join Date: Apr 2002
Location: +61
Programs: SQ*PPS, QF-WP1 & LTG, VA-Gold, Marriott*LTT, Hilton*Gold, Accor*Platinum
Posts: 5,735
I'm trying to get to the chasebenefits.com/sapphire page, but it won't load.
In Australia, the government has locked us down (some have spent ~30+ weeks in lockdown. I'm lucky, and currently counting on week 8).
Because of this, we're not allowed to travel between states (eg I can't fly from SYD to BNE).
Airlines are still technically operating, and the hotel is technically open.
But my government says, no, I can't travel, as I don't have a valid reason.
I could get a travel credit from the airline, and a "use in 18 months" voucher from the hotel. But not preferred.
Could Chase trip cancellation apply in this instance with due to a government directive?
In Australia, the government has locked us down (some have spent ~30+ weeks in lockdown. I'm lucky, and currently counting on week 8).
Because of this, we're not allowed to travel between states (eg I can't fly from SYD to BNE).
Airlines are still technically operating, and the hotel is technically open.
But my government says, no, I can't travel, as I don't have a valid reason.
I could get a travel credit from the airline, and a "use in 18 months" voucher from the hotel. But not preferred.
Could Chase trip cancellation apply in this instance with due to a government directive?
Aug 17, 2021, 7:52 am
#357
Original Poster
Join Date: Sep 2014
Posts: 2,531
The insurance has been denying claims where there are generalized lockdowns; has only been approving claims where there is an individual quarantine order with your name on it. Wrong imo, but unless you want to take them to court that is likely what you'll get.
Aug 17, 2021, 1:25 pm
#358
Join Date: Apr 2013
Programs: SPG, AA, United
Posts: 1,816
And even in litigation it's pretty clearly stated in most policies that the narrowest interpretation applies, so they also close that loophole.
Aug 19, 2021, 5:15 pm
#359
Join Date: Oct 2006
Location: EWR
Programs: UA 1K 1.5MM
Posts: 207
I'm trying to wrap my head around the delay coverage when it combines with all these Future Flight Credits I'm accumulating (in the context of United flights, no more change fees, and the flight prices continuing to drop lately).
(1) It seems clear that even if I buy most of the flight with credits, so long as I buy a little bit of it with the Chase card, I'm covered. Great.
(2) Then if I do 'change flight' and end up with a residual, it's not clear which original payment is getting converted to the residual, but it seems plausible that my flight is still tagged internally as 'paid for with Chase card'? And that's true for repeated changes, since the flight always costs *something*, so we can imagine the last dollar is still Chase's dollar?
(3) Whereas if I cancel the flight and apply the credit to a new flight, I bet that new flight loses that internal tag, and I'm not covered? (Even though I never got any money back, so the Chase money obviously went *somewhere*, I expect I'll have a tough time convincing them that it went to this new flight.) So in that scenario, my safest option would be to spend a little bit new on the Chase card.
(4) And with that in mind, if I have an expensive flight I want to cancel, my best bet rather than getting one huge credit is to change-flight it several times to a progressively cheaper flight, so I end up with manageable-size residuals to recombine with small Chase payments over the next year, so everything counts as covered?
I accept that I might be overoptimizing here, but if I can't do that on Flyertalk, where can I do it.
(1) It seems clear that even if I buy most of the flight with credits, so long as I buy a little bit of it with the Chase card, I'm covered. Great.
(2) Then if I do 'change flight' and end up with a residual, it's not clear which original payment is getting converted to the residual, but it seems plausible that my flight is still tagged internally as 'paid for with Chase card'? And that's true for repeated changes, since the flight always costs *something*, so we can imagine the last dollar is still Chase's dollar?
(3) Whereas if I cancel the flight and apply the credit to a new flight, I bet that new flight loses that internal tag, and I'm not covered? (Even though I never got any money back, so the Chase money obviously went *somewhere*, I expect I'll have a tough time convincing them that it went to this new flight.) So in that scenario, my safest option would be to spend a little bit new on the Chase card.
(4) And with that in mind, if I have an expensive flight I want to cancel, my best bet rather than getting one huge credit is to change-flight it several times to a progressively cheaper flight, so I end up with manageable-size residuals to recombine with small Chase payments over the next year, so everything counts as covered?
I accept that I might be overoptimizing here, but if I can't do that on Flyertalk, where can I do it.
Aug 19, 2021, 5:46 pm
#360
Original Poster
Join Date: Sep 2014
Posts: 2,531
(2) Then if I do 'change flight' and end up with a residual, it's not clear which original payment is getting converted to the residual, but it seems plausible that my flight is still tagged internally as 'paid for with Chase card'? And that's true for repeated changes, since the flight always costs *something*, so we can imagine the last dollar is still Chase's dollar?
One thing I'm pretty sure of is there is no "tagged internally as 'paid with Chase card'". Chase doesn't have a hook-up with every airline, train company, and travel agency in the world. The way you show the insurance company that you paid with for the tickets with your Chase card is you show them your credit card statement, or the ticket receipt with the last 4 digits of your card, or both.
Similarly, they don't automatically know that you changed flights. You show the human claims processor that with a paper trail.
I'm not relying on a lot other than intuition here, but I'm guessing that if you bought a ticket for Tuesday, changed to Wednesday, and then were delayed by weather till Thursday, you could submit documents showing the purchase on the Chase card, the voluntary change to Wednesday, and then the delay. I think that would work, even if you paid $50 extra or got a $50 refund when doing the change. Just show them the "here is a confirmation of your voluntary change" email receipt or screenshot showing the old and new flights. Again this is speculating.
Where I think it would be more iffy is if you buy for Tuesday, cancel entirely, use your FFC or voucher to buy a "new" ticket for a different date and/or different destination (without putting any on the Chase card). From the airline's perspective these are probably identical (you may even have the same PNR, etc -- just a change of the reservation in two steps), but from the insurer's perspective this may be a "new" purchase in a way that a simple change is not.
It would be nice if the Guide to Benefits actually addressed what happens if you change a flight after purchase, and then the new flight is delayed. But it doesn't.