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Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)

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Old Jan 6, 2020, 8:34 pm
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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 doesnt 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:

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Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)

Old May 25, 2022, 9:37 am
  #481  
Original Poster
 
Join Date: Sep 2014
Posts: 2,530
Originally Posted by SpaethCo
No to both questions.

Chase trip cancellation and interruption insurance only makes some pre-paid expenses refundable in certain situations, it doesn't cover any new expenses that might arise.
Not quite correct -- it will (or should) pay the change fees (but not difference of fare) for the plane tickets.

Change fees are one of the few "new expenses" that Trip Interruption will pay.
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Old May 25, 2022, 1:45 pm
  #482  
 
Join Date: Feb 2010
Location: MSP
Posts: 488
Originally Posted by threeoh
Change fees are one of the few "new expenses" that Trip Interruption will pay.
Good clarification. I've gotten so accustomed to AA/Delta/United not having change fees that I forget that some other airlines still have those fees now.
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Old May 26, 2022, 1:27 pm
  #483  
 
Join Date: Jun 2015
Posts: 103
I have a question about the qualification of trip delay insurance when there is an extended delay

I have a round-trip ticket DFW-PVG-DFW, now I am stuck in PVG since flight was cancelled due to crew/equipment availability, and I am rescheduled to a week later

I am wondering whether this scenarios is eligible for trip delay insurance since the delay is a week long

thanks
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Old May 26, 2022, 1:40 pm
  #484  
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Originally Posted by jackkyxu
I have a question about the qualification of trip delay insurance when there is an extended delay

I have a round-trip ticket DFW-PVG-DFW, now I am stuck in PVG since flight was cancelled due to crew/equipment availability, and I am rescheduled to a week later

I am wondering whether this scenarios is eligible for trip delay insurance since the delay is a week long

thanks
I can't answer the question you posed, but assuming you are booked on AA, did you ask about being re-accommodated sooner on another carrier? And since this does not appear to be a weather-related cancellation, did you ask AA if they will pay for your lodging and meals?
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Old May 26, 2022, 2:52 pm
  #485  
 
Join Date: Jun 2015
Posts: 103
Originally Posted by guv1976
I can't answer the question you posed, but assuming you are booked on AA, did you ask about being re-accommodated sooner on another carrier? And since this does not appear to be a weather-related cancellation, did you ask AA if they will pay for your lodging and meals?

the earliest is a week later, they only have 2 flights per week , I guess they cancel both.

no accommodation from aa for lodging or meals as they claim it is at the destination city
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Old May 26, 2022, 4:08 pm
  #486  
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Originally Posted by jackkyxu
the earliest is a week later, they only have 2 flights per week , I guess they cancel both.

no accommodation from aa for lodging or meals as they claim it is at the destination city
I think that you misunderstood what I was suggesting. Did you ask AA if they will re-accommodate you on a different airline, to get you back to DFW sooner (albeit with a connection somewhere)? AA has interline agreements with both DL and UA.

Edited to add: It's probably more likely that, if AA were willing to re-route you on another airline, it would be on one of their oneworld partners, like JL.

Last edited by guv1976; May 26, 2022 at 7:23 pm
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Old May 27, 2022, 7:20 am
  #487  
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Posts: 2,530
Originally Posted by jackkyxu
I have a question about the qualification of trip delay insurance when there is an extended delay

I have a round-trip ticket DFW-PVG-DFW, now I am stuck in PVG since flight was cancelled due to crew/equipment availability, and I am rescheduled to a week later

I am wondering whether this scenarios is eligible for trip delay insurance since the delay is a week long

thanks
I don't see why this wouldn't qualify. You're capped at $500 per person, though, so it probably won't cover all of your expenses.

American should pay for hotel at destination city -- it's home city they usually don't pay hotel.

"Delays caused by us
If the disruption is our fault or you're diverted to another city, and we don't board before 11:59 p.m. local time on your scheduled arrival day, we'll arrange an overnight stay or cover the cost of an approved hotel, if available. We dont guarantee reimbursement for hotel expenses if you book directly without written authorization from American Airlines."

https://www.aa.com/i18n/customer-ser...f-carriage.jsp
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Old May 31, 2022, 5:57 am
  #488  
 
Join Date: May 2022
Posts: 1
Does Chase Sapphire travel insurance cover prepaid Airbnb if flight delay makes me miss the first night? BA delayed flight caused missed connection and cant be rebooked until tomorrow. BA gave hotel voucher so dont need that covered, just partial prepaid Airbnb
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Old May 31, 2022, 12:24 pm
  #489  
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Originally Posted by Sbuzick
Does Chase Sapphire travel insurance cover prepaid Airbnb if flight delay makes me miss the first night? BA delayed flight caused missed connection and cant be rebooked until tomorrow. BA gave hotel voucher so dont need that covered, just partial prepaid Airbnb
Depends why BA cancelled the flight. If it was a covered hazard, then yes Trip Cancellation/Interruption covers it. If not, then no. If it was weather related, then see if one of these two covered hazards apply:

"
Named Storm Warning

Severe Weather, which prevents a reasonable and prudent person
from beginning or continuing on a Trip and occurs: 1) at the point of
origin of the Trip prior to departure; or 2) in the path between Your
place of permanent residence and the point of origin of the Trip
prior to departure; or 3) within fifty (50) miles of the airport, terminal,
station, booked lodging, and/or Host at Destination location listed
on Your travel itinerary; and which: A) impacts a reasonable and
prudent persons ability to: (a) safely travel to the departure point of
a Common Carrier on which You are scheduled to travel; or (b) safely
remain at a booked Provider of Lodging, or a Host at Destination
location listed on Your travel itinerary; or B) causes the cessation
of operation of a Common Carrier for which You are scheduled
to travel provided that such cessation of operation causes You to:
(a) miss at least 20% of the scheduled duration of the Trip; or (b) miss
the departure of a prepaid cruise, or tour (booked through a Tour
Operator) that You are scheduled to take; or C) causes a Provider
of Lodging with which You booked accommodations to cease
normal operations
"
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Old Jun 3, 2022, 8:52 am
  #490  
 
Join Date: Mar 2017
Posts: 3
Chase travel protection - lost hotel (award/cash), event tickets due to storm

Hey All,
We are experiencing a tropical storm in South Florida and my flight last night got cancelled and it's likely my new flight today will also get cancelled. I have some questions about what may or may not be covered by my Sapphire Reserve travel protection benefits. I have three hotel nights booked (one Marriott award night and 2 Hyatt nights booked with cash through UR portal), as well as 4 tickets to a baseball game, all of which I will lose if this trip is cancelled. Can any or all of these be claimed under my Reserve's travel protection benefits?

Thanks in advance!
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Old Jun 3, 2022, 9:16 am
  #491  
mia
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Posts: 48,880
Originally Posted by rgilkes
We are experiencing a tropical storm
Not yet. Thursday night was a Tropical Storm Watch, and Friday is a Tropical Storm Warning, but there is not yet a Named Storm. This may be important in determining which insurance provisions apply. You will need a written statement from the airline explaining why the flights were cancelled. The reason is important.

The Trip Cancellation provision may cover any cost to redeposit the Marriott points, and any money that you lose if the Hyatt will not refund the prepaid nights, but the insurance requires that you notify the hotels. Chase's insurance does not cover Event Tickets.

Read here: https://www.chasebenefits.com/sapphirereserve2 Trip Cancellation begins at Page 41. Continue reading through to Trip Delay (page 50). Trip Delay does not reimburse prepaid expenses, but may reimburse some new expenses you might incur at the airport or a hotel.

Last edited by mia; Jun 3, 2022 at 9:25 am
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Old Jun 3, 2022, 3:37 pm
  #492  
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Join Date: Sep 2014
Posts: 2,530
Originally Posted by rgilkes
Hey All,
We are experiencing a tropical storm in South Florida and my flight last night got cancelled...
Originally Posted by mia
Not yet. Thursday night was a Tropical Storm Watch, and Friday is a Tropical Storm Warning, but there is not yet a Named Storm.
Named Storm Warning is one of the covered hazards. Another is "Severe Weather" with a bunch of qualifiers, the complete terms are in the post immediately upthread which I will quote here:

Originally Posted by threeoh
Depends why BA cancelled the flight. If it was a covered hazard, then yes Trip Cancellation/Interruption covers it. If not, then no. If it was weather related, then see if one of these two covered hazards apply:

"
Named Storm Warning

Severe Weather, which prevents a reasonable and prudent person
from beginning or continuing on a Trip and occurs: 1) at the point of
origin of the Trip prior to departure; or 2) in the path between Your
place of permanent residence and the point of origin of the Trip
prior to departure; or 3) within fifty (50) miles of the airport, terminal,
station, booked lodging, and/or Host at Destination location listed
on Your travel itinerary; and which: A) impacts a reasonable and
prudent persons ability to: (a) safely travel to the departure point of
a Common Carrier on which You are scheduled to travel; or (b) safely
remain at a booked Provider of Lodging, or a Host at Destination
location listed on Your travel itinerary; or B) causes the cessation
of operation of a Common Carrier for which You are scheduled
to travel provided that such cessation of operation causes You to:
(a) miss at least 20% of the scheduled duration of the Trip; or (b) miss
the departure of a prepaid cruise, or tour (booked through a Tour
Operator) that You are scheduled to take; or C) causes a Provider
of Lodging with which You booked accommodations to cease
normal operations
"
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Old Jun 3, 2022, 3:41 pm
  #493  
 
Join Date: Mar 2017
Posts: 3
Originally Posted by mia
Not yet. Thursday night was a Tropical Storm Watch, and Friday is a Tropical Storm Warning, but there is not yet a Named Storm. This may be important in determining which insurance provisions apply. You will need a written statement from the airline explaining why the flights were cancelled. The reason is important.

The Trip Cancellation provision may cover any cost to redeposit the Marriott points, and any money that you lose if the Hyatt will not refund the prepaid nights, but the insurance requires that you notify the hotels. Chase's insurance does not cover Event Tickets.

Trip Delay does not reimburse prepaid expenses, but may reimburse some new expenses you might incur at the airport or a hotel.
Originally Posted by threeoh
Named Storm Warning is one of the covered hazards. Another is "Severe Weather" with a bunch of qualifiers, the complete terms are in the post immediately upthread which I will quote here:
Thank you both for the responses. It looks like our rescheduled flight may actually make it out this evening. Since the trip would technically not be entirely cancelled (only my original flight), will trip delay or cancellation coverage still allow me to claim the amount it would cost for me to recoup the 35k pts lost for the single award night I missed?
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Old Jun 3, 2022, 4:15 pm
  #494  
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Join Date: Sep 2014
Posts: 2,530
Originally Posted by rgilkes
Thank you both for the responses. It looks like our rescheduled flight may actually make it out this evening. Since the trip would technically not be entirely cancelled (only my original flight), will trip delay or cancellation coverage still allow me to claim the amount it would cost for me to recoup the 35k pts lost for the single award night I missed?
In general it still covers you cancel only part of your trip (or delay the start).

But, my reading of the severe weather section is that if the air carrier cancels the flight for severe weather (as opposed to you not being able to make it to the airport), you are only covered it you miss 20% or more of your scheduled trip. So if your trip is 5 days or shorter, then that 1 night would be more than 20% and would be covered.

But this wording is pretty new and not a lot of data points on this thread with the new wording yet.
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Old Jun 6, 2022, 12:27 pm
  #495  
 
Join Date: Mar 2005
Location: Kansas City, MO
Programs: AA Gold
Posts: 3,643
Does trip interruption cover expenses involved in staying an extra 10 days if you test positive for covid and cannot board your flight to the US from an international city? Does this fall under sickness as the reason for the trip being interrupted? If you incur an extra 10 nights of hotels and meals can this be claimed under trip interruption?
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