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)
Feb 8, 2023, 10:56 am
#661
Join Date: Dec 2003
Location: NYC
Posts: 6,433
https://chasebenefits.com/sapphirereserve2 Page 46 (Sapphire Preferred has similar language)
Eligible Travel Expenses – Non–Refundable prepaid travel expenses charged by a Travel Supplier (Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers); Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator; Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package);
Regarding the hotels, only prepaid hotel fees are covered. If you are charged a late cancellation("no show") fee that occurs after the covered hazard and is no longer a prepaid expense.
Eligible Travel Expenses – Non–Refundable prepaid travel expenses charged by a Travel Supplier (Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers); Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator; Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package);
Regarding the hotels, only prepaid hotel fees are covered. If you are charged a late cancellation("no show") fee that occurs after the covered hazard and is no longer a prepaid expense.
There's still the question of how the hotel expense would be treated under the $10,000 per person, $20,000 per trip provision. It does not seem clear from the benefit guide, at least not to me. Consider the following case: husband and wife are to stay at hotel that becomes non-refundable a week before arrival for a total amount of $12,000 and this is charged to the card previously given the hotel, a CSR. After this one week prior time, there's a covered event (death, hospitalization, cancelled flight). Would the limit be higher than $10,000, since two people were to stay, or would it be just $10,000? Are there details of how the hotel was booked that would matter?
Feb 8, 2023, 5:41 pm
#662
Join Date: Oct 2021
Location: Bay Area
Posts: 347
You're only covered by what you charge to the card, up to $10k/person or $20k/trip, whichever value is lower. Charging $0.01 "activates" the coverage, but the dollar amount you charge to the card is what is important for determining the policy limit.
The coverage also only applies to the card member and immediate family members. Depending on your living situation with your SO, they could possibly qualify as a Domestic Partner.
The coverage also only applies to the card member and immediate family members. Depending on your living situation with your SO, they could possibly qualify as a Domestic Partner.
Feb 10, 2023, 11:43 pm
#663
Join Date: Jul 2006
Posts: 1,345
Would CSR cover reimbursement of booking tickets on new carrier if original carrier cancelled flights?
Feb 11, 2023, 2:25 pm
#665
Join Date: Dec 2004
Location: Portland, Or
Posts: 202
Wow: so an intratrip update for y'all. Our "budget" airline ticket into PVR (booked with AMEX Plat) is now delayed 2+hrs, so we'll 100% miss our connecting flight (which has CSR coverage). I've just gotten off the phone with Alaska, who changed our flight to tomorrow for free, despite a fare difference, so no prob there. The big question is whether we'll be covered at all for our overnight expenses due to this delay.
To recap:
Segment 1; DELAYED 2HR+; purchased entirely with AMEX Plat.
Segment 2, Missed this connection, so will need an overnight hotel+meals+transport; purchased partially with AMEX Plat, and partially with CSR (so should be disqualified for AMEX coverage, but CSR technically covers.
If anyone has any quick knowledge about how this is handled, it'll help me decide on whether a splurge for tonight's hotel room would be covered. Otherwise we'll play it as if we're paying out of pocket and will be conservative in our spending
.
I'll update this thread once a claim is adjudicated just for the data for future travelers!
To recap:
Segment 1; DELAYED 2HR+; purchased entirely with AMEX Plat.
Segment 2, Missed this connection, so will need an overnight hotel+meals+transport; purchased partially with AMEX Plat, and partially with CSR (so should be disqualified for AMEX coverage, but CSR technically covers.
If anyone has any quick knowledge about how this is handled, it'll help me decide on whether a splurge for tonight's hotel room would be covered. Otherwise we'll play it as if we're paying out of pocket and will be conservative in our spending
.I'll update this thread once a claim is adjudicated just for the data for future travelers!
No checked bags, so that's not an issue here.
Interesting. TMI: I have both cards, but I used an Alaska companion certificate and so could only pay for part of the reservation with my CSR--my Amex plat insurance wouldn't kick in unless the entire fare is purchased with them, as I understand. This could be an interesting learning experience if we end up missing a connection, as I purchased the the connecting flight with the Amex Platinum--I have a 4 hour connection due to my aversion to paying hundreds more to get a tighter connection, so this only becomes an issue in the face of a significant problem... I wonder how they'd handle a multi-part itinerary like this,
It's the return where I'll potentially just have 1-1.5 hours to connect (domestic Mexican flight connecting to US-bound Alaska flight in PVR, so potentially more problematic in the face of weather/etc delays). Still, since we're not in a hurry to get back to the US, if we miss that connection, it sounds like we ought to be covered to stay a night in PVR, and I'm guessing we ought to be able to find another AS flight the next day without too much bump in fare... Sounds like for fewest complications I should probably buy the return "budget airline" ticket with the CSR so it plays nicely with the connecting US-bound flight? Or maybe it doesn't matter since the CSR protection on that flight would be what kicks in if my flight into PVR is delayed significantly?
Thanks!
Interesting. TMI: I have both cards, but I used an Alaska companion certificate and so could only pay for part of the reservation with my CSR--my Amex plat insurance wouldn't kick in unless the entire fare is purchased with them, as I understand. This could be an interesting learning experience if we end up missing a connection, as I purchased the the connecting flight with the Amex Platinum--I have a 4 hour connection due to my aversion to paying hundreds more to get a tighter connection, so this only becomes an issue in the face of a significant problem... I wonder how they'd handle a multi-part itinerary like this,
It's the return where I'll potentially just have 1-1.5 hours to connect (domestic Mexican flight connecting to US-bound Alaska flight in PVR, so potentially more problematic in the face of weather/etc delays). Still, since we're not in a hurry to get back to the US, if we miss that connection, it sounds like we ought to be covered to stay a night in PVR, and I'm guessing we ought to be able to find another AS flight the next day without too much bump in fare... Sounds like for fewest complications I should probably buy the return "budget airline" ticket with the CSR so it plays nicely with the connecting US-bound flight? Or maybe it doesn't matter since the CSR protection on that flight would be what kicks in if my flight into PVR is delayed significantly?
Thanks!
Feb 11, 2023, 2:47 pm
#666
Join Date: Feb 2010
Location: MSP
Posts: 497
Segment 1; DELAYED 2HR+; purchased entirely with AMEX Plat.
Segment 2, Missed this connection, so will need an overnight hotel+meals+transport; purchased partially with AMEX Plat, and partially with CSR (so should be disqualified for AMEX coverage, but CSR technically covers.
Segment 2, Missed this connection, so will need an overnight hotel+meals+transport; purchased partially with AMEX Plat, and partially with CSR (so should be disqualified for AMEX coverage, but CSR technically covers.
If the answer to that is no, then you're not covered. If the answer to that is yes, then it's a maybe. For the "maybe" situation it all depends on how liberally Federal Insurance Company applies the "charge all or a portion of a Common Carrier fare to Your credit card Account" language and if they consider segment 1 as part of the covered trip because segment 2 was charged to your CSR.
The only way Amex coverage for segment 1 would even have a possibility of applying is if your arrival was 6+ hours delayed from the original scheduled time.
Last edited by SpaethCo; Feb 11, 2023 at 2:50 pm Reason: Amex clarification
Feb 11, 2023, 3:03 pm
#667
Join Date: Dec 2004
Location: Portland, Or
Posts: 202
Do you have written documentation from the airline that flew segment 1 stating that the delay was due to: weather, mechanical failure, terrorism, or organized strike? (using specifically those words)
If the answer to that is no, then you're not covered. If the answer to that is yes, then it's a maybe. For the "maybe" situation it all depends on how liberally Federal Insurance Company applies the "charge all or a portion of a Common Carrier fare to Your credit card Account" language and if they consider segment 1 as part of the covered trip because segment 2 was charged to your CSR.
The only way Amex coverage for segment 1 would even have a possibility of applying is if your arrival was 6+ hours delayed from the original scheduled time.
If the answer to that is no, then you're not covered. If the answer to that is yes, then it's a maybe. For the "maybe" situation it all depends on how liberally Federal Insurance Company applies the "charge all or a portion of a Common Carrier fare to Your credit card Account" language and if they consider segment 1 as part of the covered trip because segment 2 was charged to your CSR.
The only way Amex coverage for segment 1 would even have a possibility of applying is if your arrival was 6+ hours delayed from the original scheduled time.
Feb 11, 2023, 3:19 pm
#668
Join Date: Dec 2004
Location: Portland, Or
Posts: 202
Just got off the phone with the airline for Segment #1: They don't know why it's delayed and could give me no advice on how to get the reason (let alone a letter in writing). Any alternative way to get documentation for this sort of thing?
Feb 11, 2023, 3:29 pm
#669
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
You may receive better replies if you mention the name of the airline and the route. Someone at the airline certainly knows the reason, but you may need to contact them during normal business hours on a weekday to find someone who will write a letter. Be sure to explain that it is for travel insurance purposes.
Feb 11, 2023, 3:58 pm
#670
Join Date: Dec 2004
Location: Portland, Or
Posts: 202
You may receive better replies if you mention the name of the airline and the route. Someone at the airline certainly knows the reason, but you may need to contact them during normal business hours on a weekday to find someone who will write a letter. Be sure to explain that it is for travel insurance purposes.
Feb 11, 2023, 4:24 pm
#671
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The Flight Staus page on their website shows delayed by 2:18.
THIS page appears to say that if the flight is delayed between 2:00 and 3:00 they may compensate with an Electronic voucher equivalent to 8% of the total cost of the delayed flight, depending on the reason for the delay.
If they provide this voucher it indicates that the cause of the delay was under the airline's control, and insurance would typically not apply, because you would be compensated by the airline.
If they do not provide voucher, it means they are asserting that it was "Uncontrollable" (Adverse weather conditions, natural disasters, airport operational situations, medical emergencies, security threats, civil demonstrations, and those that do not allow safe operations.). Some of the Uncontrollable circumstances will trigger the insurance benefit.
THIS page appears to say that if the flight is delayed between 2:00 and 3:00 they may compensate with an Electronic voucher equivalent to 8% of the total cost of the delayed flight, depending on the reason for the delay.
If they provide this voucher it indicates that the cause of the delay was under the airline's control, and insurance would typically not apply, because you would be compensated by the airline.
If they do not provide voucher, it means they are asserting that it was "Uncontrollable" (Adverse weather conditions, natural disasters, airport operational situations, medical emergencies, security threats, civil demonstrations, and those that do not allow safe operations.). Some of the Uncontrollable circumstances will trigger the insurance benefit.
Feb 11, 2023, 9:15 pm
#672
Join Date: Oct 2016
Location: Milwaukee, WI, USA
Programs: Skymiles (former DM), MileagePlus (Silver), Marriott Rewards/SPG Platinum (Lifetime Titanium)
Posts: 54
Hi all-
I'm just looking for a quick sanity check/gut check that this train of thought is correct. We're potentially looking to book a week at Beaches Turks and Caicos in late March 2023 and the only room rates they offer are non-refundable and prepay in full. A week in the room level we're looking for is in the $10K range which is tough to stomach as a non-refundable purchase given that we will be traveling with our 2 and 4 year old who are in daycare and constantly exposed to illnesses. In researching it appears that Beaches does offer a trip insurance coverage that would provide a voucher to use if we are unable to go due to a covered reason (illness). However, in reading the CSR Guide to Benefits p41-43 (link) it appears that if we do end up receiving a voucher from our booking we would be obligated to attempt to use that or have it expire before we could claim the trip cancellation benefit.
Questions:
- In the event a family member becomes ill and a doctor advises against travel before the trip, should I have a concern with booking this level of prepaid hotel booking and risk forfeiting this amount due to some fine print in the guide to benefits that I'm not seeing? Or should this be a straight forward claim provided we have documentation from the doctor and the hotel that upon cancellation there was no refund/voucher provided?
- Is it in my best interest to not pursue alternative trip insurance so that the CSR benefit is my primary trip cancellation coverage?
I'm just looking for a quick sanity check/gut check that this train of thought is correct. We're potentially looking to book a week at Beaches Turks and Caicos in late March 2023 and the only room rates they offer are non-refundable and prepay in full. A week in the room level we're looking for is in the $10K range which is tough to stomach as a non-refundable purchase given that we will be traveling with our 2 and 4 year old who are in daycare and constantly exposed to illnesses. In researching it appears that Beaches does offer a trip insurance coverage that would provide a voucher to use if we are unable to go due to a covered reason (illness). However, in reading the CSR Guide to Benefits p41-43 (link) it appears that if we do end up receiving a voucher from our booking we would be obligated to attempt to use that or have it expire before we could claim the trip cancellation benefit.
Questions:
- In the event a family member becomes ill and a doctor advises against travel before the trip, should I have a concern with booking this level of prepaid hotel booking and risk forfeiting this amount due to some fine print in the guide to benefits that I'm not seeing? Or should this be a straight forward claim provided we have documentation from the doctor and the hotel that upon cancellation there was no refund/voucher provided?
- Is it in my best interest to not pursue alternative trip insurance so that the CSR benefit is my primary trip cancellation coverage?
Feb 11, 2023, 9:16 pm
#673
Join Date: Aug 2002
Location: Philadelphia
Programs: Hyatt Globalist
Posts: 1,790
Wow: so an intratrip update for y'all. Our "budget" airline ticket into PVR (booked with AMEX Plat) is now delayed 2+hrs, so we'll 100% miss our connecting flight (which has CSR coverage). I've just gotten off the phone with Alaska, who changed our flight to tomorrow for free, despite a fare difference, so no prob there. The big question is whether we'll be covered at all for our overnight expenses due to this delay.
To recap:
Segment 1; DELAYED 2HR+; purchased entirely with AMEX Plat.
Segment 2, Missed this connection, so will need an overnight hotel+meals+transport; purchased partially with AMEX Plat, and partially with CSR (so should be disqualified for AMEX coverage, but CSR technically covers.
If anyone has any quick knowledge about how this is handled, it'll help me decide on whether a splurge for tonight's hotel room would be covered. Otherwise we'll play it as if we're paying out of pocket and will be conservative in our spending.
I'll update this thread once a claim is adjudicated just for the data for future travelers!
To recap:
Segment 1; DELAYED 2HR+; purchased entirely with AMEX Plat.
Segment 2, Missed this connection, so will need an overnight hotel+meals+transport; purchased partially with AMEX Plat, and partially with CSR (so should be disqualified for AMEX coverage, but CSR technically covers.
If anyone has any quick knowledge about how this is handled, it'll help me decide on whether a splurge for tonight's hotel room would be covered. Otherwise we'll play it as if we're paying out of pocket and will be conservative in our spending
.I'll update this thread once a claim is adjudicated just for the data for future travelers!
There is no claim here because you completed travel on the first segments. Yes it’s delayed but only by 2 hours so there's no coverage.
The overnight results from a separate ticket so neither card cover.
Last edited by SP03; Feb 13, 2023 at 11:47 am
Feb 13, 2023, 10:05 am
#674
Join Date: Jul 2019
Location: Bham, AL
Programs: Marriott Gold, AmEx Plat, Agnostic on Airline Programs
Posts: 394
Apologies for a basic question. I have three overseas trips coming in the next three months. I bought the airfare on my Amex Plat, but the lodging and other travel expenses on my CSR. If there was a trip delay/cancellation and I sought reimbursement, would I file the transportation related costs to Amex and potential lodging non-refundable costs to CSR, or would I simply send everything to Amex Plat since my transportation originated with them? It's the first time I'm splitting between these two cards, so this is a new dimension for me.
Feb 13, 2023, 11:49 am
#675
Join Date: Aug 2002
Location: Philadelphia
Programs: Hyatt Globalist
Posts: 1,790
Apologies for a basic question. I have three overseas trips coming in the next three months. I bought the airfare on my Amex Plat, but the lodging and other travel expenses on my CSR. If there was a trip delay/cancellation and I sought reimbursement, would I file the transportation related costs to Amex and potential lodging non-refundable costs to CSR, or would I simply send everything to Amex Plat since my transportation originated with them? It's the first time I'm splitting between these two cards, so this is a new dimension for me.
Cancellation coverage, in theory, would file with the card that the purchase is made, so in this case, CSR. Cancellation is after you've tried to minimize the loss from the vendor/hotel.