Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Chase | Ultimate Rewards
Reload this Page >

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

Wikipost is Locked  
Old Jan 6, 2020, 8:34 pm
FlyerTalk Forums Expert How-Tos and Guides
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:

Print Wikipost

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

Old Jun 29, 2022, 6:07 am
  #511  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,877
Originally Posted by shanna135
....information about the travel insurance through the card.
Complete documentation is here: https://www.chasebenefits.com/sapphirepreferred

Read also: https://www.flyertalk.com/forum/showwiki.php?t=2003047
mia is offline  
Old Jun 29, 2022, 6:10 am
  #512  
 
Join Date: Jun 2011
Location: I 35 south bound, finally stopped
Programs: LT Plt, 4mm, *A GLD, burned out medical provider, executing our estate plan
Posts: 1,663
Originally Posted by Dr Jabadski
Thank you. How and when and where do these countries actually “accept” (look at) coverage?

I have military retiree healthcare which is Medicare (not free, appropriate premium for income) and Tricare for Life as no premium supplemental (Medigap) coverage. Tricare for Life covers all (including COVID) overseas medical care at 100% (less usual deductible). Problem is that these systems are so large and inefficient that it’s impossible to get verification/proof of insurance, “just show them your military ID”. Doubt Israel or any other country would accept a retired US military ID as “proof” of (COVID) medical insurance.
requirements can change daily almost
Santiago- The long entry line at the airport had the first stop to look at documents. February. Hard copies seemed easier. Our travel buddies had to buy some on the spot because their retirement Kaiser insurance was not accepted
Israel- We had conflicting reports about this since we had family members heading there in May with overlapping trips. We arrived by ship, got the entry PCR, showed passports, and were never asked to show insurance. As of now I don't think you need to worry about Israel. Check this link with the entry requirements

https://corona.health.gov.il/en/abro...%20to%20Israel.

Update 6/29 on previous filing of 6/10- Called eclaims, 20 minute hold, was told they had received all documents and will be sent something when assigned to a reviewer. So, that whole 5 business days is a farce, expect longer, but at least verified they got my stuff, and nobody had laid eyes on it yet.
SPN Lifer and Dr Jabadski like this.

Last edited by boerne; Jun 29, 2022 at 9:29 am
boerne is offline  
Old Jul 2, 2022, 8:06 am
  #513  
 
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,891
We are mid trip and may need to invoke trip interruption due to illness. I have a couple of questions. Heres our situation: Our outbound flight was charged to a now canceled Chase UA card. It was an award ticket. Our car rental and inbound award ticket taxes were charged to CSP. Hotels on points but cancelation fee of one night at our next stop.

Does the lack of outbound coverage matter at this point? Would our car rental charge to CSP trigger the trip interruption coverage? Would it cover returning car to different destination?

Would we be covered for hotel cancelation fee?
Inbound flight can be changed or canceled. If fare difference, will that be covered even though it is only the return that was charged to CSP? I have learned my lesson to always charge to same card!
Stgermainparis is offline  
Old Jul 2, 2022, 8:27 am
  #514  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,877
Originally Posted by Stgermainparis
.... Our car rental and inbound award ticket taxes were charged to CSP.
Here is the link to the CSP benefits: https://www.chasebenefits.com/sapphirepreferred (Best to read the entire section yourself, rather than rely on conclusions posted here.)

Would it cover returning car to different destination?
Perhaps: Eligible Travel Expenses include Change Fees and costs to return a rental vehicle to the closest rental agency

If fare difference, will that be covered ...
No: We will not reimburse additional transportation expenses incurred by You other than those described above. This includes the difference in cost between the original fare or any new fare to return home or rejoin the Trip.
mia is offline  
Old Jul 3, 2022, 12:31 am
  #515  
 
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,891
Originally Posted by mia
Here is the link to the CSP benefits: https://www.chasebenefits.com/sapphirepreferred (Best to read the entire section yourself, rather than rely on conclusions posted here.)



Perhaps: Eligible Travel Expenses include Change Fees and costs to return a rental vehicle to the closest rental agency



No: We will not reimburse additional transportation expenses incurred by You other than those described above. This includes the difference in cost between the original fare or any new fare to return home or rejoin the Trip.
Thanks. Yes, I did read the terms. Cant say I fully understood them.
Stgermainparis is offline  
Old Jul 3, 2022, 1:11 am
  #516  
 
Join Date: Jun 2014
Programs: EY
Posts: 848
Does anyone receive a separate note with their check stating what they are being reimbursed for? I just got a check for an amount much lower than I had expected. Nothing online in their awful website shows why either
xobile is offline  
Old Jul 6, 2022, 11:18 am
  #517  
 
Join Date: Mar 2005
Location: BOS, LHR, BLR
Posts: 692
JetBlue just cancelled my 10pm flight on Saturday night and put me on a Sunday AM flight. They did not give me a reason.

I paid using UR points. Do I qualify for a trip delay coverage? If not, how do I find out the reason that my flight was cancelled?
mesadler is offline  
Old Jul 6, 2022, 11:31 am
  #518  
 
Join Date: Feb 2010
Location: MSP
Posts: 487
Originally Posted by mesadler
Do I qualify for a trip delay coverage? If not, how do I find out the reason that my flight was cancelled?
Only JetBlue can supply the information as to why the flight was cancelled.

It is extremely unlikely this is covered by any of the Chase insurance provisions. Only the 4 hazards in the wiki post are covered, and any delays made known to you before your departure are also excluded.
SpaethCo is offline  
Old Jul 8, 2022, 7:01 am
  #519  
 
Join Date: Jun 2011
Location: I 35 south bound, finally stopped
Programs: LT Plt, 4mm, *A GLD, burned out medical provider, executing our estate plan
Posts: 1,663
Data point as others have mentioned upthread. 31 days since claim was filed and no communication. I have called and they have the claim, and I can see it on eclaims website. Same excuse.
boerne is offline  
Old Jul 11, 2022, 1:57 pm
  #520  
 
Join Date: Mar 2004
Location: California
Programs: Marriott: Titanium, SQ: Gold, UA: Silver, Hilton: Diamond, Wyndham - Diamond, TR - Diamond
Posts: 233
Originally Posted by shinjukuflyer
not sure what to provide for MBS Common Carrier Tix, Updated Travel Itinerary.
Originally Posted by threeoh

95% sure this is a copy of your original itinerary aka "the plane tickets" -- you can print-to-PDF your original confirmation email, preferably the one with the last 4 digits of your credit card number.
There are only just a couple references to "MBS Common Carrier Tix" in a Google search, but If anyone else gets a request to submit this document, it's actually your credit card Monthly Billing Statement with the charge for the ticket. At least that's the info I got when calling today.
mia likes this.
kalo93406 is online now  
Old Jul 13, 2022, 10:12 pm
  #521  
 
Join Date: Nov 2016
Posts: 812
One ticket DSM>LAX via PHX.

Separate ticket, same day departure, LAX>PPT and the return.

Same ticket as the first segment, same day departure, LGB>DSM via PHX.

6 hour cushion between arrival to LAX and departure on the outbound. 8 hr cushion between arrival to LAX and departure from LGB on the return.

All flights using miles, taxes paid with a CSR. Would I have any trip delay/interruption protections in the event that I was delayed getting to LAX, causing me to miss LAX>PPT, or if I was delayed getting back to LAX, causing me to miss the return flight to DSM from LGB?
shimps1 is offline  
Old Jul 15, 2022, 9:52 am
  #522  
 
Join Date: Sep 2007
Location: IAH
Programs: UA MM, AA almost MM
Posts: 1,162
We had a trip planned in May for my husband and two sons raft down the Colorado River. In late April, my husband broke his ankle. He was able to travel to Moab (start of raft trip) but wasn't able to do the raft trip. We filed a claim with Chase provided;
1. United itinerary.
2. Emails from Western River asking for payment and confirming the payments.
3. His doctor's notes stating that his injury prevents him from rafting.

We have recently receive a response from eclaim asking for
1. trip itinerary which we don't have because the trip wasn't booked through an agency.
2. an invoice which don't have because Western River did not provide one.
3. Information on "referring" doctor. We have already provide information from his attending doctor.

My husband tried to call for the last couple of days. Each time waiting over 2 hours without connecting to an agent. What do you suggest that we provide eClaim?

1. Do I just type up an itinerary?
2. Do I ask Western River to create an invoice?
3. He was in the NYC emergency room. Maybe I should sent the paper from the emergency room.

Would that be sufficient? Not sure if we can get an invoice from the Wester River. Any suggestions on how to proceed is greatly appreciated.
Ilove2fly is offline  
Old Jul 15, 2022, 11:49 am
  #523  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,877
Originally Posted by Ilove2fly
2. Do I ask Western River to create an invoice?
Yes. Just explain that you need an invoice for insurance purposes.
mia is offline  
Old Jul 18, 2022, 2:24 pm
  #524  
 
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,227
Originally Posted by Dr Jabadski
… military retiree healthcare …is Medicare (not free, appropriate premium for income) and Tricare for Life as no premium supplemental (Medigap) coverage. Tricare for Life covers all (including COVID) overseas medical care at 100% (less usual deductible). Problem is that these systems are so large and inefficient that it’s impossible to get verification/proof of insurance, “just show them your military ID”. ...
Complaint datapoint follow-up which might be helpful to other people: Spent another few hours on the phone last week attempting to get the required letter from TriCare. Not sure why, maybe because I thought it was something they SHOULD be able to provide after hearing from 2 different people that their medical insurance companies did so.

Spoke with several different people at Tricare, Tricare for Life, Tricare Overseas, DEERS (Defense Enrollment Eligibility Reporting System), Wisconsin Physicians Services (Tricare administrator) and Tricare Medicare. All told me to call someone else. One told me I couldn’t get such a letter because even though Tricare Overseas (automatic with Tricare for Life) says they cover all necessary medical care anywhere in the world, they review all claims and might NOT pay some claims .

My last call last week was to Tricare Overseas Area Office Eurasia, which I subsequently learned is located in Sembach Germany (where I actually spent 5 days debriefing and remobilizing 10 years ago on my way home from Afghanistan, interesting coincidence). Several phone menu options, including one for “Overseas Verification Letter.” That option leads to a recording stating to leave name, DOD benefits number and email address, I thought it was a classic recipe for failure.

Incredibly amazingly (think I have a concussion from falling out of my chair) I received an email today from Tricare Overseas office in Sembach Germany with an attached letter on "DEFENSE HEALTH AGENCY" letterhead stating (among other things):

“This letter is in response to your request for information regarding TRICARE medical coverage while living and/or traveling overseas, to include Israel. This is to certify that Dr Jabadski (DOD ID - 123456789; DOB 1 xxx 1901) is currently covered for health benefits under the TRICARE for Life for Retired Sponsors and Family Members Program.

Those eligible for TRICARE as shown in DEERS have comprehensive health care coverage for urgent and emergency care if they become ill or injured while traveling overseas. TRICARE will cover all medically necessary care related to the treatment of COVID-19. Routine care is to be accessed before traveling overseas. TRICARE beneficiaries can receive care from any host nation provider. Referrals for care aren’t needed; prior authorization is required for certain services. In an emergency, beneficiaries may seek treatment at the nearest emergency facility. They can contact a TRICARE overseas call center for medical assistance or to find a host nation provider. Beneficiaries may need to pay up front for care and file a claim for reimbursement.”

Related Teaching Point: In researching “annual multi-trip” travel insurance, I learned that Annual Travel policies cover mainly healthcare, with little or no traditional Trip Interruption/Cancellation/Delay/Lost Luggage coverage and are remarkably inexpensive, like $120 per year. Not sure of the quality of that coverage but might be helpful in situations when one just needs “proof” of coverage or when one is satisfied with credit card coverage but wants or needs additional healthcare coverage or when one “paid” for a trip mostly with points or miles (which makes travel insurance decisions more complicated).

Last edited by Dr Jabadski; Jul 18, 2022 at 2:32 pm Reason: clarification
Dr Jabadski is offline  
Old Jul 19, 2022, 7:44 am
  #525  
Hilton Contributor Badge
 
Join Date: Sep 2015
Location: flyover country
Posts: 2,409
Originally Posted by Dr Jabadski
[...]
Incredibly amazingly [...]
I'm glad it worked out for you, especially after all the effort you put into making it work. Thank you for the success story.
Originally Posted by Dr Jabadski
[...]
[...] (think I have a concussion from falling out of my chair) [...]
Chuckle. At least you have world-wide coverage to take care of the concussion.
Dr Jabadski likes this.
serpens is offline  

Thread Tools
Search this Thread

Contact Us - Manage Preferences - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.