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 12, 2021, 2:36 pm
#406
Original Poster
Join Date: Sep 2014
Posts: 2,531
I flew to Morocco on Monday 11/29 and upon arrival, I received a message that my return flight was cancelled. Morocco gov issued a border closure notice on 11/28 for incoming flights, and since RyanAir was still operating there, I opted to still travel. Return trip that got cancelled was on 12/02. I had to fly to France and then connect home on my own. Lots of other airlines still flying to Morocco and I had no support whatsoever from RyanAir. Can I claim my extra expenses for the re-routing on my chase sapphire preferred travel insurance? I can't find terms and conditions. Thanks!
- No, I don't think so. I don't think your flight was cancelled for a covered hazard for either Trip Delay or Trip Cancellation/Interruption.
However, since Ryanair cancelled the flight less than 14 days ahead of time, that means you should be able to file a EC 261/2004 claim for cash compensation. They also should have covered your rerouting and hotels/meals for the longer journey so you may be able to get those reimbursed if they didn't offer. But that's for another forum.
Dec 23, 2021, 11:24 pm
#407
Join Date: May 2012
Posts: 470
I have a trip planned to Maui next month.
I booked the hotels with Hyatt points and used my Hyatt card to hold the reservation.
I’d like to know what coverage options are for the following scenarios.
Someone in our traveling party tests covid positive within 3 days of travel. I would be past cancellation window of all properties at that point. Will the chase trip cancellation coverage cover the cancel fees. My understanding is that this would be a covered reason.
What if hawaii introduces a bunch of new travel restrictions which effectively closes border to tourism. Assume hotels are still open but we can’t make it there. Would chase cover cancel fees? I am unclear on if this is a covered reason.
I booked the hotels with Hyatt points and used my Hyatt card to hold the reservation.
I’d like to know what coverage options are for the following scenarios.
Someone in our traveling party tests covid positive within 3 days of travel. I would be past cancellation window of all properties at that point. Will the chase trip cancellation coverage cover the cancel fees. My understanding is that this would be a covered reason.
What if hawaii introduces a bunch of new travel restrictions which effectively closes border to tourism. Assume hotels are still open but we can’t make it there. Would chase cover cancel fees? I am unclear on if this is a covered reason.
Dec 24, 2021, 11:52 am
#408
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
I have a trip planned to Maui next month.
I booked the hotels with Hyatt points and used my Hyatt card to hold the reservation.
I’d like to know what coverage options are for the following scenarios.
Someone in our traveling party tests covid positive within 3 days of travel. I would be past cancellation window of all properties at that point. Will the chase trip cancellation coverage cover the cancel fees. My understanding is that this would be a covered reason.
What if hawaii introduces a bunch of new travel restrictions which effectively closes border to tourism. Assume hotels are still open but we can’t make it there. Would chase cover cancel fees? I am unclear on if this is a covered reason.
I booked the hotels with Hyatt points and used my Hyatt card to hold the reservation.
I’d like to know what coverage options are for the following scenarios.
Someone in our traveling party tests covid positive within 3 days of travel. I would be past cancellation window of all properties at that point. Will the chase trip cancellation coverage cover the cancel fees. My understanding is that this would be a covered reason.
What if hawaii introduces a bunch of new travel restrictions which effectively closes border to tourism. Assume hotels are still open but we can’t make it there. Would chase cover cancel fees? I am unclear on if this is a covered reason.
For the Hyatt card at chase.com: Trip Cancellation/Interruption Insurance If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Dec 24, 2021, 2:17 pm
#409
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Dec 26, 2021, 12:37 am
#410
Join Date: Oct 2006
Location: EWR
Programs: UA 1K 1.5MM
Posts: 207
Right. In my experience, even without official documentation, calling up the hotel to say "Somebody in my party has a fever and a cough and body aches and a sore throat, but our reservation isn't refundable. Should we still show up?" is a quick and reliable way to get the reservation cancelled/refunded, even after the deadline.
Dec 26, 2021, 4:31 pm
#411
Join Date: Oct 2004
Location: Greater Chicagoland Area
Programs: frontier Elite, Hertz PC
Posts: 1,455
Covered Hazards – equipment failure, inclement weather, strike and hijacking/skyjacking
I remember when that wording first appeared and it seemed to suggest that while the covered hazards used to be more liberal, the new wording that is also what is currently printed above, specify those four as only covered hazards now.
Has anyone made a claim recently for anything other than above, for example ATC issues? Did anyone make a successful claim during the period several weeks ago when WN had a bunch of staffing issues causing cancellations to be covered by the Media?
What official cancellation reasons are being given for the current holiday flight cancellations due to covid rules and staff shortages?
Assuming reasons might not be one of the four above, do people here expect coverage? I'm curious but also may experience such a cancellation around new years so want to have a plan ahead of time on whether or not I can expect coverage.
I remember when that wording first appeared and it seemed to suggest that while the covered hazards used to be more liberal, the new wording that is also what is currently printed above, specify those four as only covered hazards now.
Has anyone made a claim recently for anything other than above, for example ATC issues? Did anyone make a successful claim during the period several weeks ago when WN had a bunch of staffing issues causing cancellations to be covered by the Media?
What official cancellation reasons are being given for the current holiday flight cancellations due to covid rules and staff shortages?
Assuming reasons might not be one of the four above, do people here expect coverage? I'm curious but also may experience such a cancellation around new years so want to have a plan ahead of time on whether or not I can expect coverage.
Dec 28, 2021, 6:23 pm
#412
Join Date: Aug 2014
Posts: 127
Is there any specific thread for chase baggage delay/lost/damage insurance coverage?
Dec 28, 2021, 6:56 pm
#413
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Dec 28, 2021, 7:45 pm
#414
FlyerTalk Evangelist
Join Date: Nov 2013
Location: Los Angeles
Posts: 12,597
Covered Hazards – equipment failure, inclement weather, strike and hijacking/skyjacking
I remember when that wording first appeared and it seemed to suggest that while the covered hazards used to be more liberal, the new wording that is also what is currently printed above, specify those four as only covered hazards now.
Has anyone made a claim recently for anything other than above, for example ATC issues? Did anyone make a successful claim during the period several weeks ago when WN had a bunch of staffing issues causing cancellations to be covered by the Media?
What official cancellation reasons are being given for the current holiday flight cancellations due to covid rules and staff shortages?
Assuming reasons might not be one of the four above, do people here expect coverage? I'm curious but also may experience such a cancellation around new years so want to have a plan ahead of time on whether or not I can expect coverage.
I remember when that wording first appeared and it seemed to suggest that while the covered hazards used to be more liberal, the new wording that is also what is currently printed above, specify those four as only covered hazards now.
Has anyone made a claim recently for anything other than above, for example ATC issues? Did anyone make a successful claim during the period several weeks ago when WN had a bunch of staffing issues causing cancellations to be covered by the Media?
What official cancellation reasons are being given for the current holiday flight cancellations due to covid rules and staff shortages?
Assuming reasons might not be one of the four above, do people here expect coverage? I'm curious but also may experience such a cancellation around new years so want to have a plan ahead of time on whether or not I can expect coverage.
Jan 8, 2022, 1:32 pm
#415
Join Date: Nov 2016
Programs: Skymiles
Posts: 23
Hoping to get some help here with my currently denied Trip Delay issue.
Last year at the end of October I was planning to fly from London Stansted to Memmingen Germany. After arriving on time (3hrs ahead of time) at the Airport and just about to drop off my luggage Airport officials found a suspicious package and evacuated the airport. All passengers were forced to wait outside the airport for almost 6 hrs while the military detonated the package just to find nothing inside. In the meantime, my plane left without passengers (Ryanair) and there were no other flights in my direction the rest of the day.
Ryanair being a very bad airline, there was no help and after an additional 4hrs in line to get to speak to a rep, I was told to book a new flight for the next day and I'd be refunded later. I was handed a piece of paper with a complaint email address etc.
I left the airport that night to check into the Hampton Inn at the Airport since it was already extremely late and my new flight the next day would be super early.
I booked my initial flight and my "rescheduled" flight with my CSP thinking I could use the Trip Delay benefit to get the hotel cost and dinner covered.
When I returned I immediately filed a claim for my Trip Delay benefit, attaching all the documentation I had, an official response from Ryanair (+ their own website had the event covered) that said the flight left without passengers, media coverage and an official airport response that confirmed that the airport was closed during the time my flight was about to leave. Yet, my claim was denied last week as my reason wasn't deemed eligible. After calling eclaimsline, they were telling me that they deemed it ineligible as security not operating isn't covered.
Now no one here wants to take the blame and Ryanair says they haven't officially canceled the flight, hence no reimbursement saying it's the airports fault. The airport says it was a security incident, they don't take liability and as mentioned Eclaimsline says it's not covered.
Surely enough, I'd like to appeal this decision, but would love some opinions on this. I'd think that this would fall under "Hijacking" or terroristic act as per the Trip Delay terms, but happy to hear what others are thinking. I was told to write an email with the word "Appeal" in the subject line to appeal this claim, I wonder though if this is the kinda situation where I would need to send a letter through registered mail to get somewhere.
Thanks!
Last year at the end of October I was planning to fly from London Stansted to Memmingen Germany. After arriving on time (3hrs ahead of time) at the Airport and just about to drop off my luggage Airport officials found a suspicious package and evacuated the airport. All passengers were forced to wait outside the airport for almost 6 hrs while the military detonated the package just to find nothing inside. In the meantime, my plane left without passengers (Ryanair) and there were no other flights in my direction the rest of the day.
Ryanair being a very bad airline, there was no help and after an additional 4hrs in line to get to speak to a rep, I was told to book a new flight for the next day and I'd be refunded later. I was handed a piece of paper with a complaint email address etc.
I left the airport that night to check into the Hampton Inn at the Airport since it was already extremely late and my new flight the next day would be super early.
I booked my initial flight and my "rescheduled" flight with my CSP thinking I could use the Trip Delay benefit to get the hotel cost and dinner covered.
When I returned I immediately filed a claim for my Trip Delay benefit, attaching all the documentation I had, an official response from Ryanair (+ their own website had the event covered) that said the flight left without passengers, media coverage and an official airport response that confirmed that the airport was closed during the time my flight was about to leave. Yet, my claim was denied last week as my reason wasn't deemed eligible. After calling eclaimsline, they were telling me that they deemed it ineligible as security not operating isn't covered.
Now no one here wants to take the blame and Ryanair says they haven't officially canceled the flight, hence no reimbursement saying it's the airports fault. The airport says it was a security incident, they don't take liability and as mentioned Eclaimsline says it's not covered.
Surely enough, I'd like to appeal this decision, but would love some opinions on this. I'd think that this would fall under "Hijacking" or terroristic act as per the Trip Delay terms, but happy to hear what others are thinking. I was told to write an email with the word "Appeal" in the subject line to appeal this claim, I wonder though if this is the kinda situation where I would need to send a letter through registered mail to get somewhere.
Thanks!
Jan 8, 2022, 3:59 pm
#416
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,884
Hoping to get some help here with my currently denied Trip Delay issue.
Last year at the end of October I was planning to fly from London Stansted to Memmingen Germany. After arriving on time (3hrs ahead of time) at the Airport and just about to drop off my luggage Airport officials found a suspicious package and evacuated the airport. All passengers were forced to wait outside the airport for almost 6 hrs while the military detonated the package just to find nothing inside. In the meantime, my plane left without passengers (Ryanair) and there were no other flights in my direction the rest of the day.
Ryanair being a very bad airline, there was no help and after an additional 4hrs in line to get to speak to a rep, I was told to book a new flight for the next day and I'd be refunded later. I was handed a piece of paper with a complaint email address etc.
I left the airport that night to check into the Hampton Inn at the Airport since it was already extremely late and my new flight the next day would be super early.
I booked my initial flight and my "rescheduled" flight with my CSP thinking I could use the Trip Delay benefit to get the hotel cost and dinner covered.
When I returned I immediately filed a claim for my Trip Delay benefit, attaching all the documentation I had, an official response from Ryanair (+ their own website had the event covered) that said the flight left without passengers, media coverage and an official airport response that confirmed that the airport was closed during the time my flight was about to leave. Yet, my claim was denied last week as my reason wasn't deemed eligible. After calling eclaimsline, they were telling me that they deemed it ineligible as security not operating isn't covered.
Now no one here wants to take the blame and Ryanair says they haven't officially canceled the flight, hence no reimbursement saying it's the airports fault. The airport says it was a security incident, they don't take liability and as mentioned Eclaimsline says it's not covered.
Surely enough, I'd like to appeal this decision, but would love some opinions on this. I'd think that this would fall under "Hijacking" or terroristic act as per the Trip Delay terms, but happy to hear what others are thinking. I was told to write an email with the word "Appeal" in the subject line to appeal this claim, I wonder though if this is the kinda situation where I would need to send a letter through registered mail to get somewhere.
Thanks!
Last year at the end of October I was planning to fly from London Stansted to Memmingen Germany. After arriving on time (3hrs ahead of time) at the Airport and just about to drop off my luggage Airport officials found a suspicious package and evacuated the airport. All passengers were forced to wait outside the airport for almost 6 hrs while the military detonated the package just to find nothing inside. In the meantime, my plane left without passengers (Ryanair) and there were no other flights in my direction the rest of the day.
Ryanair being a very bad airline, there was no help and after an additional 4hrs in line to get to speak to a rep, I was told to book a new flight for the next day and I'd be refunded later. I was handed a piece of paper with a complaint email address etc.
I left the airport that night to check into the Hampton Inn at the Airport since it was already extremely late and my new flight the next day would be super early.
I booked my initial flight and my "rescheduled" flight with my CSP thinking I could use the Trip Delay benefit to get the hotel cost and dinner covered.
When I returned I immediately filed a claim for my Trip Delay benefit, attaching all the documentation I had, an official response from Ryanair (+ their own website had the event covered) that said the flight left without passengers, media coverage and an official airport response that confirmed that the airport was closed during the time my flight was about to leave. Yet, my claim was denied last week as my reason wasn't deemed eligible. After calling eclaimsline, they were telling me that they deemed it ineligible as security not operating isn't covered.
Now no one here wants to take the blame and Ryanair says they haven't officially canceled the flight, hence no reimbursement saying it's the airports fault. The airport says it was a security incident, they don't take liability and as mentioned Eclaimsline says it's not covered.
Surely enough, I'd like to appeal this decision, but would love some opinions on this. I'd think that this would fall under "Hijacking" or terroristic act as per the Trip Delay terms, but happy to hear what others are thinking. I was told to write an email with the word "Appeal" in the subject line to appeal this claim, I wonder though if this is the kinda situation where I would need to send a letter through registered mail to get somewhere.
Thanks!
it’s been a while since I’ve gone through the terms, but certainly, ‘Hijacking’ and ‘Terrorism’ are probably defined in the T&Cs before the specific description of benefits. My guess is if your description fairly closely aligns with those, you’re chances are decent. If not, probably not.
Jan 8, 2022, 6:19 pm
#417
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
https://www.chasebenefits.com/sapphirepreferred page 41.
Trip Interruption does cover Terrorism, but the types of expenses that it reimburses are different.
Jan 9, 2022, 11:54 am
#418
Join Date: Nov 2016
Programs: Skymiles
Posts: 23
Trip Delay does not cover Terrorism. Covered Hazards – equipment failure, inclement weather, strike and hijacking/skyjacking
https://www.chasebenefits.com/sapphirepreferred page 41.
Trip Interruption does cover Terrorism, but the types of expenses that it reimburses are different.
https://www.chasebenefits.com/sapphirepreferred page 41.
Trip Interruption does cover Terrorism, but the types of expenses that it reimburses are different.
I filed for Trip Delay as the agent on the phone claimed that would be the category for my claim, which is probably right, but makes it hard to get covered for. I will file an appeal, but as it stands, it's unlikely I'll ever see my money there
Jan 9, 2022, 12:35 pm
#419
Join Date: Jun 2020
Posts: 196
Are you covered by Chase trip protection if you use PayPal and use the respective Chase card as the payment method?
I read somewhere that no, but upon calling Chase benefits I was assured that if I used my Chase card for the trip payment and the money was taken from the credit card, I was 100% covered. Thoughts?
I read somewhere that no, but upon calling Chase benefits I was assured that if I used my Chase card for the trip payment and the money was taken from the credit card, I was 100% covered. Thoughts?
Jan 9, 2022, 12:37 pm
#420
Join Date: Jun 2020
Posts: 196
Now no one here wants to take the blame and Ryanair says they haven't officially canceled the flight, hence no reimbursement saying it's the airports fault. The airport says it was a security incident, they don't take liability and as mentioned Eclaimsline says it's not covered.