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)
Mar 5, 2020, 4:31 pm
#76
Join Date: Jan 2009
Location: LAX
Posts: 559
Need some serious help here...
1. I had booked my parents (mid and late 60s) on a Celebrity Cruise to Galapagos using my CSR (cardholder i.e. myself, not traveling). Additional medical insurance was purchased for any medical emergency but that was about it. Airfare to/from mainland to UIO (on COPA) was booked via cruiseline as well. Start date for cruise is in late March. Also, my parents are semi-retired and spend part of the year in India.
Last nite, I got a call from them about a troubling development. My dad has gotten bit of respiratory/chest infection and doctors have advised him not to travel at this time as he will be highly susceptible to any infection. At this time, they don't think the infection is from THE virus and probably regular infection but additional exposure puts him at risk.
Celebrity's recent most advisory mentions they are going to have strict measures in place and passengers can be denied boarding if they are deemed sick (which is great). However, it does not help their case if they have already flown 11,000 odd miles to start a cruise trip. I am not sure what appeal should I make to Celebrity or Chase over here. Happy to reschedule the cruise dates to next year if they are unwilling to refund! But would rather avoid any health exposure to them and anyone else.
What would be my best recourse here?
2. On same note, they are booked in paid J LH/AC for IND-US-IND (cruise being a smaller trip nested within their visit). Similarly, paid via CSR (mine) and would prefer to cancel these flights as well. So far, I have been unable to find any waivers issued by LH or AC. Would filing a claim through CSR be better?
I am a little apprehensive here as the total cost (J flights and cruise) was fairly significant and would be a huge loss if not recovered. They can provide whatever medical documentation that is required. But they are physically in India right now... so it would be from a hospital over there.
Should I file claims with Chase or work with individual operators? I would appreciate some thoughts as the time for their trip(s) is nearing and I'd like to have a plan of action before its too late.
1. I had booked my parents (mid and late 60s) on a Celebrity Cruise to Galapagos using my CSR (cardholder i.e. myself, not traveling). Additional medical insurance was purchased for any medical emergency but that was about it. Airfare to/from mainland to UIO (on COPA) was booked via cruiseline as well. Start date for cruise is in late March. Also, my parents are semi-retired and spend part of the year in India.
Last nite, I got a call from them about a troubling development. My dad has gotten bit of respiratory/chest infection and doctors have advised him not to travel at this time as he will be highly susceptible to any infection. At this time, they don't think the infection is from THE virus and probably regular infection but additional exposure puts him at risk.
Celebrity's recent most advisory mentions they are going to have strict measures in place and passengers can be denied boarding if they are deemed sick (which is great). However, it does not help their case if they have already flown 11,000 odd miles to start a cruise trip. I am not sure what appeal should I make to Celebrity or Chase over here. Happy to reschedule the cruise dates to next year if they are unwilling to refund! But would rather avoid any health exposure to them and anyone else.
What would be my best recourse here?
2. On same note, they are booked in paid J LH/AC for IND-US-IND (cruise being a smaller trip nested within their visit). Similarly, paid via CSR (mine) and would prefer to cancel these flights as well. So far, I have been unable to find any waivers issued by LH or AC. Would filing a claim through CSR be better?
I am a little apprehensive here as the total cost (J flights and cruise) was fairly significant and would be a huge loss if not recovered. They can provide whatever medical documentation that is required. But they are physically in India right now... so it would be from a hospital over there.
Should I file claims with Chase or work with individual operators? I would appreciate some thoughts as the time for their trip(s) is nearing and I'd like to have a plan of action before its too late.
If the doctor already advised them not to travel, then they need to get a note from the doctor advising that and show the cruise line as proof.
Mar 5, 2020, 5:24 pm
#77
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
The physician's written guidance may work for the cruise line itself, doubtful that it would work for Chase coverage.
Mar 5, 2020, 5:32 pm
#78
Original Poster
Join Date: Sep 2014
Posts: 2,531
One hiccup may be that it covers only "round trip"s where you start and return to your residence within 60 days. So maybe be careful about what they claim as their residence.
Mar 5, 2020, 6:06 pm
#79
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
Huh? Getting sick and having a physician advising against travel is definitely covered by Trip Interruption/Cancellation. Should cover missed cruises, airline tickets, and anything else where the operator won't refund you.
One hiccup may be that it covers only "round trip"s where you start and return to your residence within 60 days. So maybe be careful about what they claim as their residence.
One hiccup may be that it covers only "round trip"s where you start and return to your residence within 60 days. So maybe be careful about what they claim as their residence.
I replied in the manner that I did because the advice was "If the doctor already advised them not to travel, then they need to get a note from the doctor advising that and show the cruise line as proof.".
Last edited by Diplomatico; Mar 5, 2020 at 6:12 pm
Mar 5, 2020, 8:44 pm
#80
Join Date: Mar 2013
Programs: UA 1MM; Marriott LT Titanium
Posts: 678
I bought a ticket to a Cirque du Soleil show which seems like I'm out of luck or will need to travel to Vegas (in which case, I'll have to pay out of pocket for the hotel as work would no longer cover it)
Mar 5, 2020, 9:47 pm
#81
Join Date: May 2005
Location: Los Angeles
Posts: 600
Airline ticket to the conference is paid for by work so I'm not concerned.
I bought a ticket to a Cirque du Soleil show which seems like I'm out of luck or will need to travel to Vegas (in which case, I'll have to pay out of pocket for the hotel as work would no longer cover it)
I bought a ticket to a Cirque du Soleil show which seems like I'm out of luck or will need to travel to Vegas (in which case, I'll have to pay out of pocket for the hotel as work would no longer cover it)
You must be a huge Cirque du Soleil fan!
Last edited by Statman; Mar 9, 2020 at 10:42 am
Mar 5, 2020, 11:11 pm
#82
Join Date: Oct 2004
Location: Greater Chicagoland Area
Programs: frontier Elite, Hertz PC
Posts: 1,455
Mar 8, 2020, 4:59 pm
#83
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,293
Monitoring this and other forums regarding travel and current conditions in Seattle. We have international travel and cruise planned in June. Northern Europe and Iceland. Could see them not allowing us to board because we are from Seattle. Waiting to see how cruise lines react to results of increased testing. We are still planning on this trip, so far. Entire trip put on CSR card.
Mar 8, 2020, 6:34 pm
#84
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,145
FWIW, several Seattle-based family members who had reservations to an event in France were informed by the organizers that they were dis-invited specifically because they are from Seattle.
Mar 9, 2020, 11:23 am
#85
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,445
Monitoring this and other forums regarding travel and current conditions in Seattle. We have international travel and cruise planned in June. Northern Europe and Iceland. Could see them not allowing us to board because we are from Seattle. Waiting to see how cruise lines react to results of increased testing. We are still planning on this trip, so far. Entire trip put on CSR card.
Mar 10, 2020, 6:54 am
#86
Suspended
Join Date: Dec 2009
Location: En Route
Programs: Many
Posts: 6,798
CSR Travel Protection and Coronavirus
Hey,
I have never used CSR's travel insurance/protection before. I booked tickets to ZRH, and due to the massive outbreak in Northern Italy, just a 2.5h drive from my intended destination (St. Moritz), I no longer intend to go ahead with my trip. Frankly, I am not comfortable traveling anywhere during this outbreak. I can't change or cancel online, Swiss don't pick up the phones or even let you hold (they just auto-disconnect) and I have had no luck getting a reply via e-mail or twitter. At this point, travel is in two days and i'm not confident i'll ever hear from Swiss. Would it be possible to call Chase, explain this and hope for a refund? The only reason for this trip being cancelled is this unforeseen global pandemic, that seems to be hitting new heights in the vicinity of my planned travel. I'm for sure not going to travel either way, but it'd be nice to not lose the $. I'd be fine with a date change or a refund, but Swiss are totally unreachable, which is pathetic.
I have never used CSR's travel insurance/protection before. I booked tickets to ZRH, and due to the massive outbreak in Northern Italy, just a 2.5h drive from my intended destination (St. Moritz), I no longer intend to go ahead with my trip. Frankly, I am not comfortable traveling anywhere during this outbreak. I can't change or cancel online, Swiss don't pick up the phones or even let you hold (they just auto-disconnect) and I have had no luck getting a reply via e-mail or twitter. At this point, travel is in two days and i'm not confident i'll ever hear from Swiss. Would it be possible to call Chase, explain this and hope for a refund? The only reason for this trip being cancelled is this unforeseen global pandemic, that seems to be hitting new heights in the vicinity of my planned travel. I'm for sure not going to travel either way, but it'd be nice to not lose the $. I'd be fine with a date change or a refund, but Swiss are totally unreachable, which is pathetic.
Mar 10, 2020, 7:02 am
#87
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The Trip Cancellation and Trip Interruption benefit does not apply to any loss caused by or resulting from, directly or indirectly:
Your disinclination to travel due to an epidemic or pandemic
Your disinclination to travel due to an epidemic or pandemic
Last edited by mia; Mar 10, 2020 at 7:08 am
Mar 10, 2020, 8:22 am
#88
Join Date: Jun 2013
Location: SJC/SFO
Posts: 373
Cancelling due to the threat of contracting a virus or illness is not covered. Please refer to your
Guide to Benefits for the definition of a Covered Loss and/or Loss. Also, while we understand the
reason for your change of plans, please refer to the Guide to Benefits, section: "What is not
covered by Trip Interruption insurance?" where it confirms coverage does not apply to a loss
caused, directly or indirectly, from a change in plans. Therefore, we are unable to consider your
claim.
Guide to Benefits for the definition of a Covered Loss and/or Loss. Also, while we understand the
reason for your change of plans, please refer to the Guide to Benefits, section: "What is not
covered by Trip Interruption insurance?" where it confirms coverage does not apply to a loss
caused, directly or indirectly, from a change in plans. Therefore, we are unable to consider your
claim.
Mar 10, 2020, 8:58 am
#89
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
I ran into this recently, and I simply called back immediately and got through (and then had a relatively short wait, maybe five minutes). Perhaps pressing redial continually would be your best course of action.
Mar 10, 2020, 10:27 am
#90
Original Poster
Join Date: Sep 2014
Posts: 2,531
Hey,
I have never used CSR's travel insurance/protection before. I booked tickets to ZRH, and due to the massive outbreak in Northern Italy, just a 2.5h drive from my intended destination (St. Moritz), I no longer intend to go ahead with my trip. Frankly, I am not comfortable traveling anywhere during this outbreak. I can't change or cancel online, Swiss don't pick up the phones or even let you hold (they just auto-disconnect) and I have had no luck getting a reply via e-mail or twitter. At this point, travel is in two days and i'm not confident i'll ever hear from Swiss. Would it be possible to call Chase, explain this and hope for a refund? The only reason for this trip being cancelled is this unforeseen global pandemic, that seems to be hitting new heights in the vicinity of my planned travel. I'm for sure not going to travel either way, but it'd be nice to not lose the $. I'd be fine with a date change or a refund, but Swiss are totally unreachable, which is pathetic.
I have never used CSR's travel insurance/protection before. I booked tickets to ZRH, and due to the massive outbreak in Northern Italy, just a 2.5h drive from my intended destination (St. Moritz), I no longer intend to go ahead with my trip. Frankly, I am not comfortable traveling anywhere during this outbreak. I can't change or cancel online, Swiss don't pick up the phones or even let you hold (they just auto-disconnect) and I have had no luck getting a reply via e-mail or twitter. At this point, travel is in two days and i'm not confident i'll ever hear from Swiss. Would it be possible to call Chase, explain this and hope for a refund? The only reason for this trip being cancelled is this unforeseen global pandemic, that seems to be hitting new heights in the vicinity of my planned travel. I'm for sure not going to travel either way, but it'd be nice to not lose the $. I'd be fine with a date change or a refund, but Swiss are totally unreachable, which is pathetic.
However, Swiss will rebook you for a later date (for the autumn, etc.) for free.
"""
SWISS will waive its rebooking fees for all newly booked flights worldwide with immediate effect and until March 31 and offer a one-off free rebooking. For existing bookings, the new waiver policy will apply worldwide to all flights booked by March 5 with a departure date up to April 30, 2020. Passengers will thus be able to rebook their flight ticket once to a new date up to December 31, 2020 without incurring any rebooking fee. You can find further information about rebooking in our FAQs.
"""
And of course, if they end up cancelling your flight you can get a full refund.