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)
Jan 10, 2022, 6:27 pm
#422
Join Date: Nov 2011
Location: ORD
Programs: status free since 2017
Posts: 2,188
Looking for some datapoints if a quarantine situation would be covered for a claim.
I was tested positive on a recent trip abroad and ended up missing my flight, had to extend my stay for quarantining and book new flights for return. I understand Trip Interruption would cover for rebooking of flights but does it cover additional accommodation. Also, I am not sure if COVID is an exception here...
I have test results from the day of the flight (and day prior)... but not really a doctor's directed note. Looking to make fairly reasonable claim for extended 5 nites in an Airbnb (when I tested negative for flying) and rebooking of flights. All expenses were on my CSR (accommodations and flights).
Any thoughts if Chase would honor a claim here?
I was tested positive on a recent trip abroad and ended up missing my flight, had to extend my stay for quarantining and book new flights for return. I understand Trip Interruption would cover for rebooking of flights but does it cover additional accommodation. Also, I am not sure if COVID is an exception here...
I have test results from the day of the flight (and day prior)... but not really a doctor's directed note. Looking to make fairly reasonable claim for extended 5 nites in an Airbnb (when I tested negative for flying) and rebooking of flights. All expenses were on my CSR (accommodations and flights).
Any thoughts if Chase would honor a claim here?
Jan 12, 2022, 12:35 pm
#423
Original Poster
Join Date: Sep 2014
Posts: 2,531
Looking for some datapoints if a quarantine situation would be covered for a claim.
I was tested positive on a recent trip abroad and ended up missing my flight, had to extend my stay for quarantining and book new flights for return. I understand Trip Interruption would cover for rebooking of flights but does it cover additional accommodation. Also, I am not sure if COVID is an exception here...
I have test results from the day of the flight (and day prior)... but not really a doctor's directed note. Looking to make fairly reasonable claim for extended 5 nites in an Airbnb (when I tested negative for flying) and rebooking of flights. All expenses were on my CSR (accommodations and flights).
Any thoughts if Chase would honor a claim here?
I was tested positive on a recent trip abroad and ended up missing my flight, had to extend my stay for quarantining and book new flights for return. I understand Trip Interruption would cover for rebooking of flights but does it cover additional accommodation. Also, I am not sure if COVID is an exception here...
I have test results from the day of the flight (and day prior)... but not really a doctor's directed note. Looking to make fairly reasonable claim for extended 5 nites in an Airbnb (when I tested negative for flying) and rebooking of flights. All expenses were on my CSR (accommodations and flights).
Any thoughts if Chase would honor a claim here?
It does pay for very limited new expenses like flight change fees -- but not 5 days in a hotel or higher airfare home.
Jan 19, 2022, 1:28 pm
#424
Join Date: Oct 2004
Location: Greater Chicagoland Area
Programs: frontier Elite, Hertz PC
Posts: 1,455
My girlfriend, who is an authorized CSR user, just tested positive for influenza. We were supposed to fly to Vegas tomorrow.
She is booked with me on a cheap Frontier ticket. The change/cancel fee is more than the ticket. It seems like the terms state that she has to cancel with the airline and the insurance will cover the $79 fee, rather than just forfeiting the ticket?
Next, the trip interruption seems worded for trips that already started. I'm gonna be on this trip till Tues. If she is recovered by Sat, could she book a ticket then and still come on the trip or does she have to just miss the entire trip to engage the benefit?
We have this trip booked as two one way tickets so she can cancel her departure flight and not have to also cancel the return flight. She obviously won't know till Sat if she is recovered. She could just cancel both legs now.
Any suggestions on what people here would do in this situation? I know I could cancel also according to these terms since my "Travelling Companion" is I'll but I might as well go since I have a comp room and won't get this comp room in the future. Plus I'm not sick.
She is booked with me on a cheap Frontier ticket. The change/cancel fee is more than the ticket. It seems like the terms state that she has to cancel with the airline and the insurance will cover the $79 fee, rather than just forfeiting the ticket?
Next, the trip interruption seems worded for trips that already started. I'm gonna be on this trip till Tues. If she is recovered by Sat, could she book a ticket then and still come on the trip or does she have to just miss the entire trip to engage the benefit?
We have this trip booked as two one way tickets so she can cancel her departure flight and not have to also cancel the return flight. She obviously won't know till Sat if she is recovered. She could just cancel both legs now.
Any suggestions on what people here would do in this situation? I know I could cancel also according to these terms since my "Travelling Companion" is I'll but I might as well go since I have a comp room and won't get this comp room in the future. Plus I'm not sick.
Jan 19, 2022, 2:10 pm
#425
Original Poster
Join Date: Sep 2014
Posts: 2,531
"You must immediately notify the appropriate Travel Supplier of such cancellation. If such notification by You does not occur and failure to notify the Travel Supplier results in the surrender of Non–Refundable Eligible Travel Expenses, that would have otherwise been refundable had You notified the Travel Supplier, no benefit shall be payable"
I take that to mean you must cancel her ticket with Frontier promptly. Frontier's policy says:
"If you cancel your itinerary, you will retain the value of your itinerary less the applicable cancel fee and certain carrier charges as a travel credit."
I think that means you just end up with a $0 travel credit, not that you have to pay $79 in new money.
Back to the Chase terms:
"In the event that Your Trip Cancellation or Trip Interruption results in a credit for future travel, accommodations, or other consideration being issued by the Travel Supplier, no benefits shall be payable for that portion of the Eligible Travel Expenses which such credit represents until such credit expires"
You won't have a future travel credit (it's wiped out by the change fee), so they should just reimburse you for the original purchase price of the ticket.
Next, the trip interruption seems worded for trips that already started. I'm gonna be on this trip till Tues. If she is recovered by Sat, could she book a ticket then and still come on the trip or does she have to just miss the entire trip to engage the benefit?
"If You are forced to temporarily postpone a Trip due to a loss and a new departure date is set, We will reimburse for the prepaid unused Non–Refundable land, air, and/or sea arrangements."
We have this trip booked as two one way tickets so she can cancel her departure flight and not have to also cancel the return flight. She obviously won't know till Sat if she is recovered. She could just cancel both legs now.
Jan 19, 2022, 2:42 pm
#426
Join Date: Oct 2004
Location: Greater Chicagoland Area
Programs: frontier Elite, Hertz PC
Posts: 1,455
Keep in mind that "Sickness" is defined as "Sickness – an illness or disease which requires the attendance of a Physician". So you have to have a doctor's note advising you not to travel (maybe you have one with the positive flu test), you can't just say you're sick w/o documentation.
Jan 19, 2022, 7:01 pm
#427
Suspended
Join Date: Feb 2009
Programs: DL, UA, AA, VS
Posts: 5,226
So looking at the Wiki, it sounds like none of the trip delay/cancellation/interruption would cover anything involving Covid.
For instance, you test negative before you have to return from your trip overseas and you have to quatrain for a week or 10 days.
The Wiki refers to prepaid expenses, no NEW expenses.
So having to incur more hotel expenses to quarantine would not be covered. In any event, Trip Delay has a maximum of $500 coverage while Trip Cancellation and Interruption can go up to $10k per trip.
But an unplanned quarantine, which would involve addition hotel and food expenses would not be covered.
However, you'd obviously have to change your flight and while there are no longer change fees, the fare differences can be significant, especially something like a premium cabin fare.
Would it cover those?
Generally travel insurance policies exclude things like pandemics (epidemics). Now they're offering language to specifically cover Covid-related expenses for additional premiums. But one would think the Chase insurance would be more generic and certainly have provisions set before the pandemic?
For instance, you test negative before you have to return from your trip overseas and you have to quatrain for a week or 10 days.
The Wiki refers to prepaid expenses, no NEW expenses.
So having to incur more hotel expenses to quarantine would not be covered. In any event, Trip Delay has a maximum of $500 coverage while Trip Cancellation and Interruption can go up to $10k per trip.
But an unplanned quarantine, which would involve addition hotel and food expenses would not be covered.
However, you'd obviously have to change your flight and while there are no longer change fees, the fare differences can be significant, especially something like a premium cabin fare.
Would it cover those?
Generally travel insurance policies exclude things like pandemics (epidemics). Now they're offering language to specifically cover Covid-related expenses for additional premiums. But one would think the Chase insurance would be more generic and certainly have provisions set before the pandemic?
Jan 20, 2022, 3:17 pm
#428
Join Date: Feb 2010
Location: MSP
Posts: 497
- We will not reimburse additional transportation expenses incurred by You other than those described above. This includes the difference in cost between the original fare or any new fare to return home or rejoin the Trip.
Jan 21, 2022, 11:19 am
#429
Original Poster
Join Date: Sep 2014
Posts: 2,531
So looking at the Wiki, it sounds like none of the trip delay/cancellation/interruption would cover anything involving Covid.
For instance, you test negative before you have to return from your trip overseas and you have to quatrain for a week or 10 days.
The Wiki refers to prepaid expenses, no NEW expenses.
For instance, you test negative before you have to return from your trip overseas and you have to quatrain for a week or 10 days.
The Wiki refers to prepaid expenses, no NEW expenses.
The Trip Cancellation/Interruption coverage is not meant to cover new expenses you incur because you got sick. There is other insurance that does that, but this insurance does not. It's not some "Covid loophole", it's just not meant to cover that.
It's meant to "protect" a purchase you make in case you can't go on your trip or have to cut it short.
Imagine you live in the USA and you have a big trip to Europe. You fly to Paris, then you have train tickets to Vienna, and you've booked a rental car to go explore Austria with some cute hotels booked, then you have plane tickets home from Vienna. In Paris you test positive for Covid and have to cancel you trip to Austria. This insurance will refund your train tickets, your pre-booked rental car, all of those hotels, and pay the change fee to change your flight home to be from Paris. It will not pay for your quarantine hotel + meals in Paris, or higher airfare home from Paris.
It basically makes non-refundable things refundable, and you can spend that money elsewhere. It doesn't give you new money to do new things.
Jan 21, 2022, 4:15 pm
#430
Suspended
Join Date: Feb 2009
Programs: DL, UA, AA, VS
Posts: 5,226
Hmm, does the Chase insurance cover Trip Delay?
Jan 21, 2022, 4:26 pm
#431
Join Date: Feb 2010
Location: MSP
Posts: 497
The current benefits guide spells out only four specific Covered Hazards for which you can claim up to $500 in trip delay reimbursement: equipment failure, inclement weather, strike and hijacking/skyjacking.
I've updated the wiki to reflect the more specific language, otherwise all the other information is up in the wiki post (6 hour delay coverage on CSR vs 12 hours/overnight on CSP, etc).
The key events that have been happening in recent weeks that would not be covered are things like crew timeouts, or flight cancellations due to inadequate staffing. For those events you are basically stuck with whatever compensation the airline gives you.
I've updated the wiki to reflect the more specific language, otherwise all the other information is up in the wiki post (6 hour delay coverage on CSR vs 12 hours/overnight on CSP, etc).
The key events that have been happening in recent weeks that would not be covered are things like crew timeouts, or flight cancellations due to inadequate staffing. For those events you are basically stuck with whatever compensation the airline gives you.
Last edited by SpaethCo; Jan 21, 2022 at 4:29 pm Reason: Adding details about things not covered
Jan 28, 2022, 2:38 pm
#433
Join Date: Aug 2000
Location: Exile
Posts: 15,656
Looking for some datapoints if a quarantine situation would be covered for a claim.
I was tested positive on a recent trip abroad and ended up missing my flight, had to extend my stay for quarantining and book new flights for return. I understand Trip Interruption would cover for rebooking of flights but does it cover additional accommodation. Also, I am not sure if COVID is an exception here...
I have test results from the day of the flight (and day prior)... but not really a doctor's directed note. Looking to make fairly reasonable claim for extended 5 nites in an Airbnb (when I tested negative for flying) and rebooking of flights. All expenses were on my CSR (accommodations and flights).
Any thoughts if Chase would honor a claim here?
I was tested positive on a recent trip abroad and ended up missing my flight, had to extend my stay for quarantining and book new flights for return. I understand Trip Interruption would cover for rebooking of flights but does it cover additional accommodation. Also, I am not sure if COVID is an exception here...
I have test results from the day of the flight (and day prior)... but not really a doctor's directed note. Looking to make fairly reasonable claim for extended 5 nites in an Airbnb (when I tested negative for flying) and rebooking of flights. All expenses were on my CSR (accommodations and flights).
Any thoughts if Chase would honor a claim here?
CSR Trip Interruption insurance covered me for the cost of my cancelled non-refundable hotel in Ethiopia, but not for the additional 5 nights at the JW Marriott in Ankara. All they required was a copy of the original booking showing the cancellation deadline, proof that I actually cancelled it (screenshot) and a copy of my positive COVID test.
Jan 28, 2022, 3:32 pm
#434
Join Date: Nov 2011
Location: ORD
Programs: status free since 2017
Posts: 2,188
I had a similar situation recently. I tested positive for COVID-19 in Turkey the night before departing to Ethiopia.
CSR Trip Interruption insurance covered me for the cost of my cancelled non-refundable hotel in Ethiopia, but not for the additional 5 nights at the JW Marriott in Ankara. All they required was a copy of the original booking showing the cancellation deadline, proof that I actually cancelled it (screenshot) and a copy of my positive COVID test.
CSR Trip Interruption insurance covered me for the cost of my cancelled non-refundable hotel in Ethiopia, but not for the additional 5 nights at the JW Marriott in Ankara. All they required was a copy of the original booking showing the cancellation deadline, proof that I actually cancelled it (screenshot) and a copy of my positive COVID test.
I had to rebook flights too. Did you have any experience there?
Jan 29, 2022, 3:25 am
#435
Join Date: Aug 2000
Location: Exile
Posts: 15,656
Turkish Airlines waived all change fees due to the positive test so I had nothing to claim from insurance. However, I understand that they would have paid for change fees/penalty fees but not any fare difference.