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)
Sep 4, 2021, 8:55 am
#376
Original Poster
Join Date: Sep 2014
Posts: 2,531
1. How late did you land compared to when you had planned to land?
2. When did you get home compared to when you had planned to get home?
3. Did you stay in a hotel overnight?
4. Did you have a ticket for the intercity bus, or were you planning to buy on board?
Sep 4, 2021, 8:58 am
#377
Join Date: Sep 2020
Programs: AA EXP, BA Gold, VS Gold, Hyatt Globalist, Marriott Platinum, Hilton Diamond
Posts: 3,948
I’ve been able to claim for this in the past. I actually ended up having to claim for two nights as, during peak COVID, the train I was going to take stopped running on the weekends and there were no alternatives (other than can rental).
Sep 4, 2021, 9:25 am
#378
Join Date: Jul 2001
Posts: 3,975
I'd say a reasonable chance but not a sure thing.
1. How late did you land compared to when you had planned to land?
2. When did you get home compared to when you had planned to get home?
3. Did you stay in a hotel overnight?
4. Did you have a ticket for the intercity bus, or were you planning to buy on board?
1. How late did you land compared to when you had planned to land?
2. When did you get home compared to when you had planned to get home?
3. Did you stay in a hotel overnight?
4. Did you have a ticket for the intercity bus, or were you planning to buy on board?
1. The first rescheduling on 9/1 had a scheduled time that would have been in time for the bus, but the actual arrival time would have been too late. In the morning of 9/1, my wife was feeling unwell and asked to delay the trip by a day. We were first put on a connection for 9/2 that would have been in time, but during the night we got notice that the connecting flight was cancelled, and we were put on one that was too late. In addition there's the matter of documenting that this was a round trip: the outbound was on a JetBlue award not having any CSP payment; the return on UA was initially paid mostly from Ultimate Rewards for a trip initially planned for March 2020, with new funds added from CSP to make this trip in F (and we finally couldn't be seated in F and are working with UA to refund the fare difference). This was on a CSP that I downgraded to CF to get the bonus on a new CSP, so the number is active but no longer CSP, but I'm still a CSP cardholder.
2. Midday 9/3 vs. just past midnight (early hours of) 9/2.
3. Yes, the BOS Airport Hilton. That would be the main claim.
4. We had tickets, which could be used anytime, so no money lost there.
I didn't want to go tl;dr with the complications in case the original question got a hard no. It would be a pain to deal with their forms when in a few days we're leaving on an international trip.
Sep 4, 2021, 9:54 am
#379
Original Poster
Join Date: Sep 2014
Posts: 2,531
Yes, not straight forward!
By "reschedule" do you mean an advanced schedule change, or a day-of irrops delay/rebooking?
Personally in my claims I've always avoided discussing intermediate rebookings. "Here's the flight I was originally booked on [include receipt]; here's a statement from the airline saying it was delayed/cancelled due to weather [include delay letter or screenshot]; here's the flight I actually flew on [include rebooking email or boarding passes]." Remember the human on the other end is processing dozens of these per hour, best to keep it very simple.
I've also never gotten pushback for not taking the "next" available flight or anything. Like if the 6pm flight is cancelled, and I'm offered the 1am flight but take the 6pm flight the next day bcs I don't want the redeye, there's no need to bring that up. Just: "I was on this flight; cancelled; flew this flight instead."
This part isn't a problem
Should be straightforward as long as the CSP part was for fare and not for an after-purchase upgrade.
This might be a problem! If the old CSP was used for both parts of the purchase (March 2020 and the additional funds), they're gonna look at that last 4 digits and say "that card is a CF -- no coverage!" is my guess. Or maybe they won't notice. I'd put the new card number on my claim form, at any rate, so it's associated with the active account.
I'm a little confused by your itinerary. You arrived in BOS at midday on 9/3 and that was too late for intercity bus, so you stayed in the hotel on the night of 9/3? Or BOS was some kind of connection point where you stayed overnight rather than flying on and landing super late? Or it was your origin where you hung out for an extra day after the original weather delay?
In some of those scenarios, it sounds like you can ignore the bus issue and just say might flight was supposed to land 9/2 1am and landed 9/3 1pm that's a 12+ hour delay.
But if you're trying to claim the 9/3 night hotel then probably need to involve the bus schedule.
The reason I asked is that the Trip Delay coverage applies to "Common Carrier" delays which includes conveyances "for which a ticket must be purchased prior to commencing travel; Common Carrier does not include taxis, limousine services, or commuter rail or commuter bus lines or rental vehicles".
You have to start the claims process within 60 days but you don't need to provide them with all the paperwork until 100 days.
1. The first rescheduling on 9/1 had a scheduled time that would have been in time for the bus, but the actual arrival time would have been too late. In the morning of 9/1, my wife was feeling unwell and asked to delay the trip by a day. We were first put on a connection for 9/2 that would have been in time, but during the night we got notice that the connecting flight was cancelled, and we were put on one that was too late.
Personally in my claims I've always avoided discussing intermediate rebookings. "Here's the flight I was originally booked on [include receipt]; here's a statement from the airline saying it was delayed/cancelled due to weather [include delay letter or screenshot]; here's the flight I actually flew on [include rebooking email or boarding passes]." Remember the human on the other end is processing dozens of these per hour, best to keep it very simple.
I've also never gotten pushback for not taking the "next" available flight or anything. Like if the 6pm flight is cancelled, and I'm offered the 1am flight but take the 6pm flight the next day bcs I don't want the redeye, there's no need to bring that up. Just: "I was on this flight; cancelled; flew this flight instead."
In addition there's the matter of documenting that this was a round trip: the outbound was on a JetBlue award not having any CSP payment;
the return on UA was initially paid mostly from Ultimate Rewards for a trip initially planned for March 2020, with new funds added from CSP to make this trip in F (and we finally couldn't be seated in F and are working with UA to refund the fare difference).
This was on a CSP that I downgraded to CF to get the bonus on a new CSP, so the number is active but no longer CSP, but I'm still a CSP cardholder.
2. Midday 9/3 vs. just past midnight (early hours of) 9/2.
3. Yes, the BOS Airport Hilton. That would be the main claim.
In some of those scenarios, it sounds like you can ignore the bus issue and just say might flight was supposed to land 9/2 1am and landed 9/3 1pm that's a 12+ hour delay.
But if you're trying to claim the 9/3 night hotel then probably need to involve the bus schedule.
4. We had tickets, which could be used anytime, so no money lost there.
I didn't want to go tl;dr with the complications in case the original question got a hard no. It would be a pain to deal with their forms when in a few days we're leaving on an international trip.
Sep 4, 2021, 12:10 pm
#380
Join Date: Jul 2001
Posts: 3,975
I'm a little confused by your itinerary. You arrived in BOS at midday on 9/3 and that was too late for intercity bus, so you stayed in the hotel on the night of 9/3? Or BOS was some kind of connection point where you stayed overnight rather than flying on and landing super late? Or it was your origin where you hung out for an extra day after the original weather delay?
Sep 5, 2021, 3:28 pm
#381
Original Poster
Join Date: Sep 2014
Posts: 2,531
The flight we originally booked was to arrive at BOS shortly after 7 p.m. 9/1, with plenty of time to make the last bus at 8.50. On the day of, they cancelled the ORD-BOS segment and rebooked us via IAD, with a similar originally scheduled arrival, and we made the change on our own to 9/2.
I answered about "getting home" after the bus and a drive. The first scheduled arrival in BOS was shortly after 7 p.m. 9/1, and the arrival there that we finally got was around 10 p.m. 9/2, so we stayed at the Hilton. Anyway, thanks for the help. I may look into starting the claim after the international trip.
Between the voluntary change, the payment method, and the processors being less used to bus claims than plane claims, there are a couple potential issue here, but imo still worth a try.
Oct 12, 2021, 10:05 pm
#382
Join Date: Mar 2015
Location: SLC
Programs: AA EXP, Marriott Titanium + LT Gold
Posts: 198
Chase Trip Delay Insurance for Points Booking?
My return flight was canceled this past weekend due to weather conditions and was rebooked to another flight for the following day. Because of this, I had to book another night at the hotel I was staying. But as I was in a hurry with the booking, I made the mistake of booking the room with my Marriott points instead of cash. The flight was booked with CSR's UR points so should be covered by Chase's delay insurance, but can I claim reimbursement for points?
Oct 15, 2021, 10:12 am
#383
Join Date: Feb 2010
Posts: 642
Does CSP cover a scenario of needing to purchase a replacement train ticket after a flight was flightly delayed? Trying to decide how much padding to give myself between arrival / train departure.
Thanks.
Thanks.
Oct 15, 2021, 10:17 am
#384
Original Poster
Join Date: Sep 2014
Posts: 2,531
Trip Delay will cover expenses like hotel / meals and local transport (taxis, public transport) if your delay is overnight or 12+ hours.
It will not buy you any onward tickets.
If the delay was due to severe weather, Trip Cancellation/Interruption might reimburse you for the old useless train tickets or pay a change fee. But it won't pay for the new ones.
Depending on the country / rail system / airline you may be able to buy a protected air-rail connection or a flexible rail ticket.
Oct 15, 2021, 11:16 am
#385
Original Poster
Join Date: Sep 2014
Posts: 2,531
How about a one-way car rental from the connecting point to your ultimate destination? Here's one report of Chase paying for a rental car from PHX to TUS, after the cardholder's original flight to TUS was cancelled, and he opted to fly into PHX instead:
https://millionmilesecrets.com/news/...elay-coverage/
https://millionmilesecrets.com/news/...elay-coverage/
Oct 16, 2021, 8:06 am
#386
Join Date: Apr 2017
Posts: 470
What the the trip cancellation/interruption really entail? Does it require that all parts of the trip to be paid completely or partially by the card to be eligible or just the airfare is enough? For example, if my flight got interrupted/cancelled due to severe weather where I use the card for the USA-Europe airfare but don't use the CSP for internal Europe tickets and hotels, would those be still covered or only the USA-Europe tickets ?
Oct 18, 2021, 3:14 pm
#387
Original Poster
Join Date: Sep 2014
Posts: 2,531
What the the trip cancellation/interruption really entail? Does it require that all parts of the trip to be paid completely or partially by the card to be eligible or just the airfare is enough? For example, if my flight got interrupted/cancelled due to severe weather where I use the card for the USA-Europe airfare but don't use the CSP for internal Europe tickets and hotels, would those be still covered or only the USA-Europe tickets ?
Generally for Trip Cancellation/Interuption only expenses paid with the card will be reimbursed. Like if you buy your TATL tickets with CSP, but pay for intra-EU tickets with another card, and then you have to cancel your trip due to a covered hazard, then the TATL tickets are reimbursable if the airline won't refund you, but the intra-EU ones would not and you'd be at the mercy of the airline's cancellation/refund policy.
Oct 20, 2021, 8:43 pm
#388
Join Date: Jul 2001
Posts: 3,975
I didn't make any claim about delaying the trip from 9/1, when they originally offered alternate flights, to 9/2, because that was due to my wife's health and I understand new expenses aren't covered if that's the reason. We spent that night at a Residence Inn on Marriott Bonvoy points and ate leftovers and fast food. As a matter of curiosity, and also asked in another recent post in this thread, does Chase have a way of compensating for stays on points?
Oct 21, 2021, 7:52 am
#389
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Between AUS, EWR, and YTO In a little twisty maze of airline seats, all alike.. but I wanna go home with the armadillo
Programs: CO, NW, & UA forum moderator emeritus
Posts: 35,432
mpensation:
You and Your Family Members are covered when Your name is
embossed on an eligible card issued in the United States, and You
charge all or a portion of a Common Carrier fare to Your credit card
Account and/or rewards programs associated with Your Account.
embossed on an eligible card issued in the United States, and You
charge all or a portion of a Common Carrier fare to Your credit card
Account and/or rewards programs associated with Your Account.
What Documents Will You Need to Provide?
The Benefit Administrator will provide the details, but generally You
should be prepared to send:
• Completed and signed claim form
• Original and updated travel itinerary and/or the Common Carrier ticket
• Credit card Account statement (showing the last four (4) digits of the Account number) reflecting the charge for the Common Carrier ticket (unless the travel itinerary reflects the last four (4) digits of Your Account number as payment method)
• If more than one method of payment was used, please provide documentation as to additional currency, voucher, rewards programs, or other payment method used.
• Statement from the Common Carrier explaining the reason for the delay
• Copies of itemized receipts for Your claimed expenses as follows: receipts are required for food expenses; otherwise, itemized receipts are required only for expenses of fifty ($50.00) dollars or more per Eligible Traveler
• Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
The Benefit Administrator will provide the details, but generally You
should be prepared to send:
• Completed and signed claim form
• Original and updated travel itinerary and/or the Common Carrier ticket
• Credit card Account statement (showing the last four (4) digits of the Account number) reflecting the charge for the Common Carrier ticket (unless the travel itinerary reflects the last four (4) digits of Your Account number as payment method)
• If more than one method of payment was used, please provide documentation as to additional currency, voucher, rewards programs, or other payment method used.
• Statement from the Common Carrier explaining the reason for the delay
• Copies of itemized receipts for Your claimed expenses as follows: receipts are required for food expenses; otherwise, itemized receipts are required only for expenses of fifty ($50.00) dollars or more per Eligible Traveler
• Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
Oct 22, 2021, 12:06 pm
#390
Join Date: Apr 2002
Location: New York, N.Y.
Posts: 309
Apologies if this question has been answered before, but I couldn't find it with a search: What happens when airfare is purchased with a CSR or CSP (and thus qualifies for the full suite of travel protections) but the card undergoes a product change prior to travel to a no-fee card that does not have the same protections, such as a Freedom cart? Is the applicable set of benefits the ones that existed at the time of purchase or the ones that exist at the time of travel?