Jan 6, 2020, 8:34 pm
Last edit by: threeoh
To review discussion from 2016-2019 click HERE.
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my return flight. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Update: new Guide language says "per Covered Trip" and there are reports of a claim on the return leg being denied because of a successful claim on the outbound leg.
Experiences:
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed due to the following Covered Hazards defined in the policy: equipment failure, inclement weather, strike and hijacking/skyjacking. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my return flight. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Update: new Guide language says "per Covered Trip" and there are reports of a claim on the return leg being denied because of a successful claim on the outbound leg.
Experiences:
- 01/2014 - Delayed in MSP overnight due to mechanical issues. ~$300 for Hotel Ivy downtown, meals, and ground transportation covered with no issues. Benefits applied to AMEX FHR. Claim processed within 1 week. [Full Report]
- 02/2014 - Flight was cancelled due to weather; booked Amtrak with points, which was then delayed because of downed electrical wires; rented a car and drove home. Used print out from flightaware.com to show flight was cancelled, claimed non-points dollar amount for Amtrak ticket, got Chase (not insurance) to request receipts from vendors that weren't saved by OP. All was covered. Full report
- 04/2014 - Delayed in DTW overnight due to crew member time-out. ~$400 for DTW Westin and meals covered with no issues. Claim processed within 1 week. Full Report
- 07/2014- Delayed in MSP overnight due to weather at destination. Booked Marriott Mall of America for $120, and meals for 3 and a shirt were all covered. Recommend keeping new and old boarding passes.
- 12/2014 - Trip delay in WAS (flight was delayed because of MX causing misconnect and overnight. Reward flight with taxes+fees on Chase card. OP + wife were covered $632 for a for a room, dinner, and taxi roundtrip from the airport. Gratuity was not reimbursed and could not convince them to after a phone call. Hotel Was $380 after tax and this was not a problem.
- 07/2016 - Delayed in YYC overnight due to mechanical problems. Claim paid out ~$300. Full report.
- 7/2017 - Delayed in EWR due to thunderstorms. ~$390 for hotel, uber, meals. Claim processed within a week, no issues. Full report.
- 9/2017 - Delayed in EWR due to Harvey. ~$499 for hotel, ubereats. Claim processed in 7 business days
- 1/2017 - $625 covered on two tickets on JetBlue award flight with taxes+fees on Chase in FLL. Missed connection due to Mx. Incl. $65 at Walgreens, r/t uber to hotel, uber home, $265 hotel, $180 meal. Tax, tip, and alcohol covered.
- 06/2017 - $258 covered for overnight delay hotel/dinner. Did not cover $50 to pick a seat on next day's flight. Full report
- 08/2017 - covered during ATC equipment failure leading to cancelled flight
- 08/2017 - covered with flightaware showing delay, no direct statement from carrier. Booked dummy return flight on Southwest to 'comply' with r/t requirement.
- 12/2017 - covered for forced overnight due to ATL "Power Outage". Entire ticket, including taxes, was paid for using Ultimate Reward points through my Reserve account. There was no credit card charge showing on my account.
- 1/2018 - covered for $500 including hotel tips, a drink, and minibar snacks w/ no receipt (but showed credit card statement with purchases listed)
- 1/2018 - covered rental + gas to drive to int'l gateway when feeder flight was cancelled.
- 3/2018 - covered int'l phone calls, roaming cell phone data (submitted phone bill), storage locker, and hotel.
- 4/2018 - covered hotel, meals/snacks, cold medicine, Uber ground transport for overnight due to weather. Award ticket with taxes/fees on CSR.
- 5/2018 - covered $250 in hotel, uber, two meals after missing a connection in a "painless but slightly drawn out" process. Had to request a different delay letter because first one didn't state cause of delay. Total turn-around time 40 days including re-requesting delay letter.
- 11/2018 - covered $300+ in hotel, 2 Ubers, 3 meals; did not cover seat charge or Uber home; originally booked with UR points (no CC charge)
- 7/2019 - covered $400+ in hotel, rental car, 3 meals, clothing/toiletries for me, wife and son for 24 hour delay; award tickets with taxes/fees in CSR.
- 01/2021 - covered $225 in meals, hotel, Uber for myself for overnight due to weather; used voucher and paid small amount on the Sapphire Preferred.
- 01/2021 - covered ~$100 for meals and toiletries purchased during a 7+ hour daytime delay.
- 07/2022 - covered $500+ for two travelers: hotel, meals, vending machines for overnight delay at connection; award miles + taxes on CSR
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
Chase cards Trip Cancellation/Interruption/Delay insurance benefits (2020-2023)
Mar 23, 2020, 7:21 am
#121
Join Date: Aug 2014
Posts: 736
This is French Bee. When inquiring I've been told similar to their website. "Credit voucher, or a date change without penalty, fare readjustment only, are the only options as per the current policy." is the response when inquiring. I'm not sure how this is allowed since they cancelled the flight...
, what did the airline say? Which airline is this?
Mar 23, 2020, 7:38 am
#122
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
Mar 24, 2020, 10:38 pm
#123
Join Date: Apr 2017
Posts: 470
So I received an email earlier today from Emirates airlines that my flight in 2 weeks from ORD Chicago to DXB Dubai has been canceled. I booked that flight early January (so still have time to dispute a charge if the policy of 90 days applies) and have Ink Business Preferred which I guess they have the same insurance policies of CSP. I just emailed Chase for the disputes since it seems you cannot manually file a dispute in business account (While I can do it in the personal account).
My question, do you recommend filing with https://www.eclaimsline.com/ now or wait on the dispute? Or go with both at the same time? Any timeline/notification I have to be aware of at my end? I just don't want to lose money because of any dumb policy of missing notification period or deadline.
My question, do you recommend filing with https://www.eclaimsline.com/ now or wait on the dispute? Or go with both at the same time? Any timeline/notification I have to be aware of at my end? I just don't want to lose money because of any dumb policy of missing notification period or deadline.
Mar 25, 2020, 6:49 am
#124
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
Mar 25, 2020, 11:23 am
#125
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,193
So I received an email earlier today from Emirates airlines that my flight in 2 weeks from ORD Chicago to DXB Dubai has been canceled. I booked that flight early January (so still have time to dispute a charge if the policy of 90 days applies) and have Ink Business Preferred which I guess they have the same insurance policies of CSP. I just emailed Chase for the disputes since it seems you cannot manually file a dispute in business account (While I can do it in the personal account).
My question, do you recommend filing with https://www.eclaimsline.com/ now or wait on the dispute? Or go with both at the same time? Any timeline/notification I have to be aware of at my end? I just don't want to lose money because of any dumb policy of missing notification period or deadline.
My question, do you recommend filing with https://www.eclaimsline.com/ now or wait on the dispute? Or go with both at the same time? Any timeline/notification I have to be aware of at my end? I just don't want to lose money because of any dumb policy of missing notification period or deadline.
"What's not covered:
https://www.chase.com/card-benefits/...reserve/travel
- Travel arrangements canceled or changed by a common carrier, tour operator, or any travel agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation"
https://www.chase.com/card-benefits/...reserve/travel
Mar 25, 2020, 11:28 am
#126
Original Poster
Join Date: Sep 2014
Posts: 2,531
I'm not an expert but I believe the US DOT rule requiring refund for a flight the carrier cancelled ("regardless of reason") applies to all ex-USA fights purchased at a USA POS even on foreign carriers. I could be wrong, but it's at least worth a try.
https://www.transportation.gov/indiv...ection/refunds
"Cancelled Flight – A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to be rebooked on a new flight on that airline."
Try quoting that at the airline and if they still don't budge, try filing a DOT complaint or possibly a credit card purchase dispute
But I don't think that the Chase travel insurance that is the topic of this thread is going to cover you here.
https://www.transportation.gov/indiv...ection/refunds
"Cancelled Flight – A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to be rebooked on a new flight on that airline."
Try quoting that at the airline and if they still don't budge, try filing a DOT complaint or possibly a credit card purchase dispute
But I don't think that the Chase travel insurance that is the topic of this thread is going to cover you here.
Mar 25, 2020, 12:10 pm
#127
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
So the Chase policy doesn't cover flight cancellation by carriers due to travel restrictions?
Or say hotel reservations tied to the cancelled flights?
What do they cover, if you have medical reasons for canceling the trip?
Or say hotel reservations tied to the cancelled flights?
What do they cover, if you have medical reasons for canceling the trip?
Mar 27, 2020, 12:35 pm
#129
Join Date: Mar 2011
Posts: 118
Just to add to the experiences. I submitted a claim under trip delay for my expenses after getting my return flight cancelled by Copa due to them shutting down operations until April 21 (or who knows when). I was then stranded in Quito, Ecuador for 5 days until I could buy other tickets to get back. I claimed about 400 for food, groceries, airbnb, and taxi expenses. I tried my luck with claims benefits and got a rejection 2 days later (fastest ever response from them).
"Unfortunately, we will not be able to honor this claim because:The reason for the flight delay is not a covered hazard. A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking."
I'm assuming this is the final word or do I potentially have a reason to appeal?
"Unfortunately, we will not be able to honor this claim because:The reason for the flight delay is not a covered hazard. A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking."
I'm assuming this is the final word or do I potentially have a reason to appeal?
Mar 27, 2020, 5:29 pm
#130
Suspended
Join Date: Aug 2019
Posts: 200
If Airline Cancels My Route Can I Claim the Balance on Chase
Air NZ is closing my route (SFO-AKL) until end of June. I was supposed to fly on 06/03. They are offering a credit good for 12 months (4 x $1000) for the tickets.
But I can't fly then. So will Chase honor such a claim?
But I can't fly then. So will Chase honor such a claim?
Mar 27, 2020, 5:39 pm
#131
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,193
Negative.
Mar 27, 2020, 7:51 pm
#132
Suspended
Join Date: Feb 2006
Posts: 1,992
You don't have to accept the credit. Put it in writing to customer service that you want a refund. Next thing, file a complaint here
https://www.transportation.gov/indiv...ection/refunds
https://www.transportation.gov/indiv...ection/refunds
Last edited by mia; Mar 31, 2020 at 9:18 am Reason: Link repaired and verified working
Mar 27, 2020, 9:12 pm
#133
Join Date: Dec 2009
Location: USA
Posts: 1,153
Just to add to the experiences. I submitted a claim under trip delay for my expenses after getting my return flight cancelled by Copa due to them shutting down operations until April 21 (or who knows when). I was then stranded in Quito, Ecuador for 5 days until I could buy other tickets to get back. I claimed about 400 for food, groceries, airbnb, and taxi expenses. I tried my luck with claims benefits and got a rejection 2 days later (fastest ever response from them).
"Unfortunately, we will not be able to honor this claim because:The reason for the flight delay is not a covered hazard. A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking."
I'm assuming this is the final word or do I potentially have a reason to appeal?
"Unfortunately, we will not be able to honor this claim because:The reason for the flight delay is not a covered hazard. A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking."
I'm assuming this is the final word or do I potentially have a reason to appeal?
I myself just had a claim denied (which I expected) based on a cancelled flight and government advisory against travel. Neither are really covered losses but I tried my luck and lost.
Apr 1, 2020, 7:24 am
#134
Join Date: Aug 2013
Posts: 5
Mechanical long delay causes our group issues. Advice?
Background
In February, a group of 11 of us traveled together from US to Thailand. The original plan: first segment was on UA from US > Narita > Bangkok. Then stay overnight in BKK in hotels we booked, and finally take a mid-afternoon domestic flight on Bangkok Airways the next day to our final destination.
Problem
Unexpectedly, our UA flight had mechanical issues a few hours into the flight, had to turn around, and we waited for several hours in the US. By the time we took off, we knew we would miss our Narita connecting flight, so we’d have to overnight in Narita.
But this also means that our earliest flight to BKK from Narita would make us miss the Bangkok Airways domestic leg in mid-afternoon. So we had $700 of domestic ticket change fees + increase in airfare w/ Bangkok air to take their last flight instead. We ultimately got into our destination 5-6 hours later than expected, had to change a number of plans the first day, and incurred $700 of expenses.
Question
I made all reservations w/ Chase Sapphire Preferred. Will the insurance help w/ those $700 or so of fees? APPRECIATE your insights!
In February, a group of 11 of us traveled together from US to Thailand. The original plan: first segment was on UA from US > Narita > Bangkok. Then stay overnight in BKK in hotels we booked, and finally take a mid-afternoon domestic flight on Bangkok Airways the next day to our final destination.
Problem
Unexpectedly, our UA flight had mechanical issues a few hours into the flight, had to turn around, and we waited for several hours in the US. By the time we took off, we knew we would miss our Narita connecting flight, so we’d have to overnight in Narita.
But this also means that our earliest flight to BKK from Narita would make us miss the Bangkok Airways domestic leg in mid-afternoon. So we had $700 of domestic ticket change fees + increase in airfare w/ Bangkok air to take their last flight instead. We ultimately got into our destination 5-6 hours later than expected, had to change a number of plans the first day, and incurred $700 of expenses.
Question
I made all reservations w/ Chase Sapphire Preferred. Will the insurance help w/ those $700 or so of fees? APPRECIATE your insights!
Apr 1, 2020, 10:05 am
#135
Original Poster
Join Date: Sep 2014
Posts: 2,531
Background
In February, a group of 11 of us traveled together from US to Thailand. The original plan: first segment was on UA from US > Narita > Bangkok. Then stay overnight in BKK in hotels we booked, and finally take a mid-afternoon domestic flight on Bangkok Airways the next day to our final destination.
Problem
Unexpectedly, our UA flight had mechanical issues a few hours into the flight, had to turn around, and we waited for several hours in the US. By the time we took off, we knew we would miss our Narita connecting flight, so we’d have to overnight in Narita.
But this also means that our earliest flight to BKK from Narita would make us miss the Bangkok Airways domestic leg in mid-afternoon. So we had $700 of domestic ticket change fees + increase in airfare w/ Bangkok air to take their last flight instead. We ultimately got into our destination 5-6 hours later than expected, had to change a number of plans the first day, and incurred $700 of expenses.
Question
I made all reservations w/ Chase Sapphire Preferred. Will the insurance help w/ those $700 or so of fees? APPRECIATE your insights!
In February, a group of 11 of us traveled together from US to Thailand. The original plan: first segment was on UA from US > Narita > Bangkok. Then stay overnight in BKK in hotels we booked, and finally take a mid-afternoon domestic flight on Bangkok Airways the next day to our final destination.
Problem
Unexpectedly, our UA flight had mechanical issues a few hours into the flight, had to turn around, and we waited for several hours in the US. By the time we took off, we knew we would miss our Narita connecting flight, so we’d have to overnight in Narita.
But this also means that our earliest flight to BKK from Narita would make us miss the Bangkok Airways domestic leg in mid-afternoon. So we had $700 of domestic ticket change fees + increase in airfare w/ Bangkok air to take their last flight instead. We ultimately got into our destination 5-6 hours later than expected, had to change a number of plans the first day, and incurred $700 of expenses.
Question
I made all reservations w/ Chase Sapphire Preferred. Will the insurance help w/ those $700 or so of fees? APPRECIATE your insights!
(2) Trip Delay coverage does apply to mechanical delays, but will not pay for change fee or difference in fare. That's a risk you took by booking separate tickets.
(3) Based on my reading, you did end up spending the night in NRT unexpectedly, because of the delay. Trip Delay will pay for your hotel and meals in Narita if the the airline didn't already (for you + spouse/children, assuming not a 11 people fall into that category), as well as any local transit, taxis, toiletries you may have purchased.
(4) Trip Delay only kicks in for 12+ hour delays with CSP (6 hours for CSR) or "overnight". So at first glance it doesn't look like you would qualify since you were only 5 hours delayed to your final destination. However I would file the claim for the USA-BKK leg and not mention the onward leg. You were delayed overnight in NRT on your way to BKK, so it should cover hotel/meals in NRT.
(5) You have to start your claim within 60 days of the delay and finish all paperwork by 100 days, so depending on when this happened in February I would not delay any further!
(6) Read the wiki on this thread or the PDF guide to benefits for more info.