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)
Dec 27, 2022, 11:43 am
#601
Join Date: Apr 2014
Location: SEA (the airport, not SE Asia)
Programs: Bonvoy Titanium (LT Silver), UA Silver
Posts: 93
nce. That seems to be a constant.This contrasts with my earlier trip cancellation claim from July that required multiple rounds of resubmissions and took over 2 months to be approved, but I guess it is possible to get it approved first try.
Dec 28, 2022, 10:27 am
#602
Original Poster
Join Date: Sep 2014
Posts: 2,531
Does anyone have experience with whether flight delay/cancellation insurance still works if using flight credits originally bought using a chase card?
For instance if I had flight #1 booked using the CSR, which I cancelled for airline credit. I later use the airline credit to book flight #2 which gets significantly delayed - can I make use of the flight delay insurance, or am I out of luck?
For instance if I had flight #1 booked using the CSR, which I cancelled for airline credit. I later use the airline credit to book flight #2 which gets significantly delayed - can I make use of the flight delay insurance, or am I out of luck?
If they issue you a voucher or other type of credit which you then use to buy a new ticket, then probably not.
Dec 28, 2022, 10:32 am
#603
Join Date: May 2016
Location: ATL
Programs: DL GM, Marriott Titanium
Posts: 1,241
Thanks. I’ve done both the same PNR and cancel for a voucher before for flight changes in previous instances - in the future I may err on trying to keep the same PNR then!
Dec 28, 2022, 12:10 pm
#604
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Severe Weather, which prevents a reasonable and prudent person
from beginning or continuing on a Trip and occurs: 1) at the point of
origin of the Trip prior to departure; or 2) in the path between Your
place of permanent residence and the point of origin of the Trip
prior to departure; or 3) within fifty (50) miles of the airport, terminal,
station, booked lodging, and/or Host at Destination location listed
on Your travel itinerary; and which: A) impacts a reasonable and
prudent person’s ability to: (a) safely travel to the departure point of
a Common Carrier on which You are scheduled to travel; or (b) safely
remain at a booked Provider of Lodging, or a Host at Destination
location listed on Your travel itinerary; or B) causes the cessation
of operation of a Common Carrier for which You are scheduled
to travel provided that such cessation of operation causes You to:
(a) miss at least 20% of the scheduled duration of the Trip; or (b) miss
the departure of a prepaid cruise, or tour (booked through a Tour
Operator) that You are scheduled to take; or C) causes a Provider
of Lodging with which You booked accommodations to cease
normal operations
from beginning or continuing on a Trip and occurs: 1) at the point of
origin of the Trip prior to departure; or 2) in the path between Your
place of permanent residence and the point of origin of the Trip
prior to departure; or 3) within fifty (50) miles of the airport, terminal,
station, booked lodging, and/or Host at Destination location listed
on Your travel itinerary; and which: A) impacts a reasonable and
prudent person’s ability to: (a) safely travel to the departure point of
a Common Carrier on which You are scheduled to travel; or (b) safely
remain at a booked Provider of Lodging, or a Host at Destination
location listed on Your travel itinerary; or B) causes the cessation
of operation of a Common Carrier for which You are scheduled
to travel provided that such cessation of operation causes You to:
(a) miss at least 20% of the scheduled duration of the Trip; or (b) miss
the departure of a prepaid cruise, or tour (booked through a Tour
Operator) that You are scheduled to take; or C) causes a Provider
of Lodging with which You booked accommodations to cease
normal operations
Dec 28, 2022, 12:23 pm
#605
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,890
I paid for my flight with the Chase Sapphire Reserve, and it was cancelled. While I didn't incur any extra expenses related to the cancellation, I do have a couple of sunk costs that can not be refunded. For example, a hotel booking that could not be used or refunded and a return flight home (on a different airline) that can't be refunded. Does anyone know if this can be reimbursed by the card's travel insurance?
Maybe, if the flight was cancelled due to weather. Here is the relevant paragraph:
https://www.chasebenefits.com/sapphirereserve2
https://www.chasebenefits.com/sapphirereserve2
Jan 2, 2023, 11:59 am
#606
Join Date: Oct 2015
Posts: 20
Eclaims Vrbo trip cancellation
booked a vrbo trip with the chase sapphire preferred card. unfortunately i broke my leg several days before the trip. the vrbo owner didn’t want to refund or give partial refund.i was looking thru the benefits of the cards and it says trip cancellation is covered.
i went to the eclaims website and started putting info it. it would not let me complete since it is asking for flight info even with me putting in n/a and it would not recognize vrbo under travel booking vendor.
would calling the 1800 number be easier or is there a trick where i can just put in the vrbo dates?
what are my chances of getting this approved? i have the emergency center paperwork and x-rays etc
Jan 2, 2023, 12:04 pm
#607
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,890
Eclaims Vrbo trip cancellation
booked a vrbo trip with the chase sapphire preferred card. unfortunately i broke my leg several days before the trip. the vrbo owner didn’t want to refund or give partial refund.i was looking thru the benefits of the cards and it says trip cancellation is covered.
i went to the eclaims website and started putting info it. it would not let me complete since it is asking for flight info even with me putting in n/a and it would not recognize vrbo under travel booking vendor.
would calling the 1800 number be easier or is there a trick where i can just put in the vrbo dates?
what are my chances of getting this approved? i have the emergency center paperwork and x-rays etc
I actually had this happen a few years ago, we had to cancel roadtrip to Chicago last minute, as our young daughter (probably about 1 at the time) got an ear infection night before we were supposed to leave. Ran into the same problem with needing flight info. Was advised by an agent to put in 'fake flight' info. to destination, then obviously, just file claim for the booking you are looking to get reimbursed for.
Can't believe the flight is still required info. in the reimbursement portal. A flight is absolutely not required for coverage (for Chase - Amex Plat insurance does require travel on a 'common carrier' to be eligible for coverage).
Jan 2, 2023, 2:10 pm
#608
Join Date: Jul 2001
Location: SW Michigan, ex SF Bay Area
Posts: 832
i went to the eclaims website and started putting info it. it would not let me complete since it is asking for flight info even with me putting in n/a and it would not recognize vrbo under travel booking vendor.
would calling the 1800 number be easier or is there a trick where i can just put in the vrbo dates?
what are my chances of getting this approved? i have the emergency center paperwork and x-rays etc
would calling the 1800 number be easier or is there a trick where i can just put in the vrbo dates?
what are my chances of getting this approved? i have the emergency center paperwork and x-rays etc
Regarding the points you had trouble with, I found that a version of "not applicable" worked for flight info, but it had to be done in a particular way:
- Flight Number: type "NA"
- Departure Airport: type "N/A", wait for the popup menu to come up, select "N/A, Not Applicable, , "
- Arrival Airport: type "N/A", wait for the popup menu to come up, select "N/A, Not Applicable, , "
- Common Carrier: start typing "not applicable", e.g. "not"; when popup comes up, select "Not Applicable"
For medical paperwork, Eclaims wants their form ("Attending Physician Statement") filled out. I don't know if they would approve a claim without that form but with the other paperwork you have; I just know that I used their form as instructed and it worked. I filled out the form myself (typed using a PDF editor), brought it to my wife's followup appointment with the surgeon, and he was happy to sign it.
I attached the information they asked for and nothing more:
- monthly billing statements showing the VRBO charges (I edited the PDFs to highlight the charges)
- copy of cancellation policy for the reservation (a PDF of the rental agreement with the cancellation policy highlighted)
- for Travel Itinerary, I used the emailed receipt from the owner
- copy of emailed cancellation confirmation from the owner
- Attending Physician Statement form
Jan 3, 2023, 3:23 pm
#609
Join Date: Oct 2015
Posts: 20
I had almost this exact situation this past summer. We had a VRBO reservation, my wife had an injury before the trip, and we had to cancel. It was still within the window to get most of the cost refunded from the owner, but there was a $200 cancellation fee. I made a claim on my Sapphire Reserve through Eclaims for the $200 and was successful on the first try.
Regarding the points you had trouble with, I found that a version of "not applicable" worked for flight info, but it had to be done in a particular way:
For medical paperwork, Eclaims wants their form ("Attending Physician Statement") filled out. I don't know if they would approve a claim without that form but with the other paperwork you have; I just know that I used their form as instructed and it worked. I filled out the form myself (typed using a PDF editor), brought it to my wife's followup appointment with the surgeon, and he was happy to sign it.
I attached the information they asked for and nothing more:
Regarding the points you had trouble with, I found that a version of "not applicable" worked for flight info, but it had to be done in a particular way:
- Flight Number: type "NA"
- Departure Airport: type "N/A", wait for the popup menu to come up, select "N/A, Not Applicable, , "
- Arrival Airport: type "N/A", wait for the popup menu to come up, select "N/A, Not Applicable, , "
- Common Carrier: start typing "not applicable", e.g. "not"; when popup comes up, select "Not Applicable"
For medical paperwork, Eclaims wants their form ("Attending Physician Statement") filled out. I don't know if they would approve a claim without that form but with the other paperwork you have; I just know that I used their form as instructed and it worked. I filled out the form myself (typed using a PDF editor), brought it to my wife's followup appointment with the surgeon, and he was happy to sign it.
I attached the information they asked for and nothing more:
- monthly billing statements showing the VRBO charges (I edited the PDFs to highlight the charges)
- copy of cancellation policy for the reservation (a PDF of the rental agreement with the cancellation policy highlighted)
- for Travel Itinerary, I used the emailed receipt from the owner
- copy of emailed cancellation confirmation from the owner
- Attending Physician Statement form
Jan 9, 2023, 5:18 pm
#610
Join Date: May 2010
Posts: 72
Might not be the right thread for this, but I just booked a flight using an AA trip credit that is close to expiring. On my return flight I have a short layover and would like to be protected by trip delay protection, but booking the ticket I didn't have the option to only apply a portion of the trip credit and pay the balance with my CSP. Any trick to be able to pay part of the cost with the card to get coverage?
Jan 9, 2023, 5:42 pm
#611
Original Poster
Join Date: Sep 2014
Posts: 2,531
Might not be the right thread for this, but I just booked a flight using an AA trip credit that is close to expiring. On my return flight I have a short layover and would like to be protected by trip delay protection, but booking the ticket I didn't have the option to only apply a portion of the trip credit and pay the balance with my CSP. Any trick to be able to pay part of the cost with the card to get coverage?
Otherwise, you could try calling AA and ask if they can upfare your tickets to the next fare bucket. Maybe cost $50-$100 or maybe a lot more if it's a big international trip. That might work, might not.
Jan 9, 2023, 6:59 pm
#612
Join Date: May 2010
Posts: 72
By trip credit do you mean you're using the same PNR (reservation code) as a trip that was cancelled earlier? If so, was that trip paid with CSP? If the original itinerary was booked with CSP you should be good (success has been reported on this thread).
Otherwise, you could try calling AA and ask if they can upfare your tickets to the next fare bucket. Maybe cost $50-$100 or maybe a lot more if it's a big international trip. That might work, might not.
Otherwise, you could try calling AA and ask if they can upfare your tickets to the next fare bucket. Maybe cost $50-$100 or maybe a lot more if it's a big international trip. That might work, might not.
Jan 10, 2023, 12:22 am
#613
Join Date: Oct 2022
Location: Penang, Malaysia
Programs: SIA Kris Flyer Gold, Marriott Bonvoy Gold Elite
Posts: 22
I have a scenario and I've been doing a lot of internet reading and reading of the terms and conditions and wonder if any part of my trip applies to the trip delay benefit.
We had a flight from PHX to PAE (Washington State) cancelled on 12/26 due to weather, the email I received form them said there were no other flights available. Alaska Airlines customer service was not available at all (message just said to call back later). Since our home leave is limited (we live overseas and had a flight back to SE Asia from Seattle on 1/1), we rented a car and drove from PHX to Seattle. So, we incurred the rental car cost, gas, meals, 2 nights hotel room (and 2 nights lost non-refundable AirBnB in Seattle for the 26th and 27th). I will try to get my money back from Alaska for the 3 cancelled one way first class tickets, but wondering if any other part of my costs might be covered by Chase? Anyone else have experience with a scenario like this?
We had a flight from PHX to PAE (Washington State) cancelled on 12/26 due to weather, the email I received form them said there were no other flights available. Alaska Airlines customer service was not available at all (message just said to call back later). Since our home leave is limited (we live overseas and had a flight back to SE Asia from Seattle on 1/1), we rented a car and drove from PHX to Seattle. So, we incurred the rental car cost, gas, meals, 2 nights hotel room (and 2 nights lost non-refundable AirBnB in Seattle for the 26th and 27th). I will try to get my money back from Alaska for the 3 cancelled one way first class tickets, but wondering if any other part of my costs might be covered by Chase? Anyone else have experience with a scenario like this?
Jan 10, 2023, 7:43 am
#614
Join Date: Jan 2022
Posts: 1
I had a flight on Porter Airlines from Montreal (YUL) to Newark (EWR) on 1/1 that was cancelled and rebooked for 1/6. This flight had a layover in Toronto (YYZ). Of course this didn't work as it was a whole 5 days after my original flight date but I was unable to find a flight last minute as they cancelled a few hours before my flight. I rebooked Air Canada for 1/3 which when the 3rd came was also cancelled and rebooked for the next day. Both flights were cancelled due to "Crew Constraints" which I understand to be staffing issues.
Am I just screwed when it comes to any Trip Delay reimbursements as it wasn't one of the 4 covered things?
Am I just screwed when it comes to any Trip Delay reimbursements as it wasn't one of the 4 covered things?
Jan 10, 2023, 10:14 am
#615
Join Date: Feb 2010
Location: MSP
Posts: 497
We had a flight from PHX to PAE (Washington State) cancelled on 12/26 due to weather, the email I received form them said there were no other flights available. ... I will try to get my money back from Alaska for the 3 cancelled one way first class tickets, but wondering if any other part of my costs might be covered by Chase?
This benefit applies to reasonable expenses incurred during Your delay not otherwise covered by Your Common Carrier, another party, or Your primary personal insurance policy. You will be refunded the excess amount (up to the maximum) once all other reimbursement has been exhausted up to the limit of liability.
In the past the coverage may have been more liberal, but all data points seem to indicate that they are that they are sticking to the letter of the contract on recent claims. While issuers like Citi decided to control costs by removing coverage entirely in 2019, other issuers like Chase and Amex are controlling costs by having carefully written "named peril" policies with a very narrow definition of what types of travel hazards they will cover and highly limiting what remedies they will provide.