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)
Aug 5, 2022, 1:43 pm
#541
Join Date: Mar 2018
Posts: 3
Clarification on Trip Interruption/cancellation with Sapphire Preferred
I have not been able to get through to a representative from Chase concerning this, so I'm hoping someone may know, or if this has been covered on another thread We booked a cruise with a $500 down payment with our Sapphire Preferred card. The remainder is due in a couple of months and I was wanting to use another non chase card to pay the balance of around $1000. Does paying the $500 deposit insure the whole cruise cost if I do not pay the remaining balance with with the same card? Could not reach a live agent but here is all I can find from Chase benefits document: (on pg 30)
"The Trip Cancellation and Trip Interruption benefit provides reimbursement for Eligible Travel Expenses charged to the Cardholder’s Account up to ten thousand ($10,000.00) dollars per Covered Person and up to twenty thousand ($20,000.00) dollars per Trip, if a loss results in cancellation or interruption of the travel arrangements."
Next paragraph includes:
"The Cardholder and Immediate Family Members are covered when the Cardholder’s name is embossed on an eligible Card issued in the United States, and the Cardholder charges all or a portion of a Trip to his or her Credit Card Account and/or Rewards programs associated with the Account. Immediate Family Member means an individual with any of the following relationships to the Cardholder:"
The first quote sounds like we would only be reimbursed for the amount charged on the card ($500), while the next quote implies that since we charged a portion of the cruise on the card, we are covered for the whole cruise cost.
Anyone able to provide clarification?
Thanks
"The Trip Cancellation and Trip Interruption benefit provides reimbursement for Eligible Travel Expenses charged to the Cardholder’s Account up to ten thousand ($10,000.00) dollars per Covered Person and up to twenty thousand ($20,000.00) dollars per Trip, if a loss results in cancellation or interruption of the travel arrangements."
Next paragraph includes:
"The Cardholder and Immediate Family Members are covered when the Cardholder’s name is embossed on an eligible Card issued in the United States, and the Cardholder charges all or a portion of a Trip to his or her Credit Card Account and/or Rewards programs associated with the Account. Immediate Family Member means an individual with any of the following relationships to the Cardholder:"
The first quote sounds like we would only be reimbursed for the amount charged on the card ($500), while the next quote implies that since we charged a portion of the cruise on the card, we are covered for the whole cruise cost.
Anyone able to provide clarification?
Thanks
Aug 7, 2022, 10:03 am
#542
Original Poster
Join Date: Sep 2014
Posts: 2,531
For Trip Cancellation/Interruption, you'll only be reimbursed for expenses charged to the card providing coverage.
Aug 7, 2022, 11:00 am
#543
Join Date: Feb 2010
Location: MSP
Posts: 497
Aug 9, 2022, 9:43 am
#545
Join Date: Sep 2005
Location: BOM-SIN-EWR
Programs: UA*G (1K again), Sixt Plat, *was*: SQ QPP01 & SK EBS/EBG, LH SEN, AA EXP, 9wPlat
Posts: 8,606
Was wondering how long after the incident can one claim for reimbursement?
Aug 9, 2022, 9:54 am
#546
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Which type of incident?
These terms are from the Sapphire Reserve booklet. If you have a different card the specifics may vary.
Call the Benefit Administrator within twenty (20) days of Your Trip Cancellation or Interruption or as soon as reasonably possible.
Call the Benefit Administrator within sixty (60) days of the Covered Trip delay
Aug 9, 2022, 10:17 am
#547
Join Date: Sep 2005
Location: BOM-SIN-EWR
Programs: UA*G (1K again), Sixt Plat, *was*: SQ QPP01 & SK EBS/EBG, LH SEN, AA EXP, 9wPlat
Posts: 8,606
Aug 9, 2022, 1:40 pm
#548
Join Date: Oct 2003
Location: DFW
Programs: AAdvantage LT GLD 1.806MM
Posts: 260
I'm curious if I still have any travel coverage in this scenario:
1) In June 2022, I booked flights on DL & AA, and award flights on SQ (using UR point transferred to SQ) and LH/OS (using UA miles transferred from UR) for travel Sept 27 - Oct 4. All flights (cash tickets and taxes/fees for awards) purchased on Sapphire Reserve (CSR).
2) On August 2, 2022, product changed the CSR to CSP because CSR annual fee posted and I personally didn't feel like I was getting the value out of the CSR for the annual fee cost.
Question I have is:
* Do I get ANY travel insurance coverage for my trip from either the Sapphire Reserve (used at booking), or Sapphire Preferred (in hand at time of travel)? If so, which one covers my trip?
* Or, do I get NO COVERAGE since I originally booked using Reserve, and no longer have that card, therefore no travel insurance protection?
Thanks.
1) In June 2022, I booked flights on DL & AA, and award flights on SQ (using UR point transferred to SQ) and LH/OS (using UA miles transferred from UR) for travel Sept 27 - Oct 4. All flights (cash tickets and taxes/fees for awards) purchased on Sapphire Reserve (CSR).
2) On August 2, 2022, product changed the CSR to CSP because CSR annual fee posted and I personally didn't feel like I was getting the value out of the CSR for the annual fee cost.
Question I have is:
* Do I get ANY travel insurance coverage for my trip from either the Sapphire Reserve (used at booking), or Sapphire Preferred (in hand at time of travel)? If so, which one covers my trip?
* Or, do I get NO COVERAGE since I originally booked using Reserve, and no longer have that card, therefore no travel insurance protection?
Thanks.
Aug 9, 2022, 2:14 pm
#549
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Sapphire Reserve terms: The benefits described in this Guide will not apply to cardholders whose Accounts have been suspended or cancelled. Your account has not been cancelled, it has been changed to a different card product, but I think it is still the same account. I would expect the Sapphire Preferred terms to apply to a claim, but the documentation does not address the downgrade possibility.
Aug 9, 2022, 2:18 pm
#550
Join Date: Aug 2012
Location: Dreamland
Posts: 928
I'm curious if I still have any travel coverage in this scenario:
1) In June 2022, I booked flights on DL & AA, and award flights on SQ (using UR point transferred to SQ) and LH/OS (using UA miles transferred from UR) for travel Sept 27 - Oct 4. All flights (cash tickets and taxes/fees for awards) purchased on Sapphire Reserve (CSR).
2) On August 2, 2022, product changed the CSR to CSP because CSR annual fee posted and I personally didn't feel like I was getting the value out of the CSR for the annual fee cost.
Question I have is:
* Do I get ANY travel insurance coverage for my trip from either the Sapphire Reserve (used at booking), or Sapphire Preferred (in hand at time of travel)? If so, which one covers my trip?
* Or, do I get NO COVERAGE since I originally booked using Reserve, and no longer have that card, therefore no travel insurance protection?
Thanks.
1) In June 2022, I booked flights on DL & AA, and award flights on SQ (using UR point transferred to SQ) and LH/OS (using UA miles transferred from UR) for travel Sept 27 - Oct 4. All flights (cash tickets and taxes/fees for awards) purchased on Sapphire Reserve (CSR).
2) On August 2, 2022, product changed the CSR to CSP because CSR annual fee posted and I personally didn't feel like I was getting the value out of the CSR for the annual fee cost.
Question I have is:
* Do I get ANY travel insurance coverage for my trip from either the Sapphire Reserve (used at booking), or Sapphire Preferred (in hand at time of travel)? If so, which one covers my trip?
* Or, do I get NO COVERAGE since I originally booked using Reserve, and no longer have that card, therefore no travel insurance protection?
Thanks.
Sapphire Reserve terms: The benefits described in this Guide will not apply to cardholders whose Accounts have been suspended or cancelled. Your account has not been cancelled, it has been changed to a different card product, but I think it is still the same account. I would expect the Sapphire Preferred terms to apply to a claim, but the documentation does not address the downgrade possibility.
Aug 9, 2022, 2:33 pm
#551
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
When you downgrade from Reserve to Preferred does the card retain the same number?
When you login to your Preferred account can you see the Reserve transaction history and PDF statements without switching to another account?
When you login to your Preferred account can you see the Reserve transaction history and PDF statements without switching to another account?
Aug 9, 2022, 2:36 pm
#552
Join Date: Oct 2003
Location: DFW
Programs: AAdvantage LT GLD 1.806MM
Posts: 260
Yes, I have the same 16 digit account number (only the expiration date and CVV2 changed). Yes, when I log in to my Preferred account, I can see my previous Reserve transaction history, previous billing statements, etc. without changing to another account.
Last edited by AAMCI; Aug 9, 2022 at 2:41 pm Reason: Edited for clarity
Aug 9, 2022, 2:43 pm
#553
Join Date: Sep 2015
Location: SFO
Posts: 3,881
Sharing a DP that I knew would be denied: event tickets.
6 weeks ago, my bother bought Hamilton tickets in London in advance of our trip. It turned out the performance was on the hottest day ever in London at 40C +. Massive heatwave in London with advisories everywhere. The theatre advised us of loose fitting clothes, lots of fluids, lack of air conditioning, etc. We tried to cancel/exchange tickets but the theatre didn't acknowledge our email until it was too late (that's another story). We were already feeling symptoms of heat exhaustion so we decided not to attend the performance (mom was planning on going too)...plus seats were up in the royal circle so warmer than on stage level. Chase rejected the claim as expected. Oh well.
6 weeks ago, my bother bought Hamilton tickets in London in advance of our trip. It turned out the performance was on the hottest day ever in London at 40C +. Massive heatwave in London with advisories everywhere. The theatre advised us of loose fitting clothes, lots of fluids, lack of air conditioning, etc. We tried to cancel/exchange tickets but the theatre didn't acknowledge our email until it was too late (that's another story). We were already feeling symptoms of heat exhaustion so we decided not to attend the performance (mom was planning on going too)...plus seats were up in the royal circle so warmer than on stage level. Chase rejected the claim as expected. Oh well.
Aug 9, 2022, 2:45 pm
#554
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
I think the card number and merged history are both evidence that it is the same account. I also believe that the claim form asks for the last four digits of the card number. If those match I expect the agent will see the purchase as made with the current card. I don't know if the claim form asks you to specify the card type (e.g. Reserve or Preferred).
I stress that I have no experience. This is just my expectation based on reading the terms, and the way that Chase handles product changes.
I stress that I have no experience. This is just my expectation based on reading the terms, and the way that Chase handles product changes.
Last edited by mia; Aug 9, 2022 at 2:50 pm
Aug 9, 2022, 2:48 pm
#555
Join Date: Oct 2003
Location: DFW
Programs: AAdvantage LT GLD 1.806MM
Posts: 260
I think the card number and merged history are both evidence that it is the same account. I also believe that the claim form ask for the last four digits of the card number. If those match I expect the agent will see the purchase as made with the current card. I don't know if the claim form asks you to specify the card type (e.g. Reserve or Preferred).
I stress that I have no experience. This is just my expectation based on reading the terms, and the way that Chase handles product changes.
I stress that I have no experience. This is just my expectation based on reading the terms, and the way that Chase handles product changes.