Citi Trip Delay Reimbursement (Prestige, Chairman, HHonors, AAdvantage)
#346
Join Date: Oct 2011
Posts: 209
I hope you fight this vigorously. I disagree with the decision. Coverage is TRIP based not FLIGHT based. On the same note, GarlicFlyer's claim should have been denied.
Makes no sense that a misconnect resulting in an overnight at connection point caused by a flight delay of less than 3 hours on the delivering flight is not covered while GarlicFlyer's claim is paid and he/she arrived at destination on time.
Posts 314 and 315 poke holes at their interpretation that Trip Delay is based on flight segments.
Makes no sense that a misconnect resulting in an overnight at connection point caused by a flight delay of less than 3 hours on the delivering flight is not covered while GarlicFlyer's claim is paid and he/she arrived at destination on time.
Posts 314 and 315 poke holes at their interpretation that Trip Delay is based on flight segments.
#347
Join Date: Oct 2015
Posts: 21
#348
FlyerTalk Evangelist
Join Date: Aug 2014
Programs: Top Tier with all 3 alliances
Posts: 11,570
Does anyone know when the travel insurance coverage expires for the HHonors Reserve card, I believe it is Jan 31, does this mean that all claims have to be submitted by then or adjudicated/paid by then?
#349
Join Date: Nov 2013
Location: Houston, Texas
Posts: 90
I am in the process of fighting misconnection. Like the majority of people, my was delayed by 1.5 hours, I was not able to make a connection and required to stay overnight. So far I have escalated in two places with same results BBB(A+ rating The Warranty Group) and CFPB(Against Citi), same answer from both places. When you escalate to citi they just ask insurance company why they denied my claim and just copy and paste their response. I already have a plan of next attack, but interested what your next suggestions are?
#351
Join Date: Nov 2013
Location: Houston, Texas
Posts: 90
Airline wrote reason for delay was Air Traffic, but by reviewing the documents it is also stated as weather related. Probably Air Traffic didn't let them fly due to Weather.
As far as expenses just an airport hotel and meal. Arrived in my connecting city at 9pm and flew out at 7 am next day.
As far as expenses just an airport hotel and meal. Arrived in my connecting city at 9pm and flew out at 7 am next day.
#353
Join Date: Jan 2003
Location: NYC
Posts: 8,481
I would focus on the distinction between the word "flight," which they use in their letter, and "trip," which is what the coverage discusses. Your card doesn't offer "Flight Delay Protection" but "Trip Delay Protection." The card's terms define Trip as "any pre-paid travel, tour or vacation when all or at least a portion of the cost of the Common Carrier fare was paid using your Citi card and/or ThankYou Points for all Covered Travelers." You didn't purchase a Common Carrier fare for XXX-YYY (the first leg of your trip), you purchased a fare for XXX-ZZZ with a change of planes in YYY (this part of the argument is harder if your plane ticket's fare construction is actually a combination of two fares, but the odds of that are low). Because of weather (a covered condition) you were delayed more than 3 hours in reaching your final destination; therefore your Trip was delayed more than 3 hours even if the first flight in your Trip was only delayed 1.5 hours.
If you really want to fight hard, you might cc the insurance regulator in the state where you live in your response..
If you really want to fight hard, you might cc the insurance regulator in the state where you live in your response..
#355
Join Date: May 2013
Posts: 378
I would focus on the distinction between the word "flight," which they use in their letter, and "trip," which is what the coverage discusses. Your card doesn't offer "Flight Delay Protection" but "Trip Delay Protection." The card's terms define Trip as "any pre-paid travel, tour or vacation when all or at least a portion of the cost of the Common Carrier fare was paid using your Citi card and/or ThankYou Points for all Covered Travelers." You didn't purchase a Common Carrier fare for XXX-YYY (the first leg of your trip), you purchased a fare for XXX-ZZZ with a change of planes in YYY (this part of the argument is harder if your plane ticket's fare construction is actually a combination of two fares, but the odds of that are low). Because of weather (a covered condition) you were delayed more than 3 hours in reaching your final destination; therefore your Trip was delayed more than 3 hours even if the first flight in your Trip was only delayed 1.5 hours.
If you really want to fight hard, you might cc the insurance regulator in the state where you live in your response..
If you really want to fight hard, you might cc the insurance regulator in the state where you live in your response..
It's clear at this point that this is the working practice of Citi's trip delay insurance, despite what the terms indicate. And the reps can't (unwilling?) to override the practice.
So either:
1. They change their terms/practice to match each other. Most likely changing of terms.
2. People accept it as the working definition of trip delay and base your bookings off that. Unless they want to invest significant amount of time to get someone very higherup who can override their practice.
With that in mind, are other insurances also the same? someone in Chases's forum said the exact same thing for Chase (and BofA) insurance, but is that the norm there?
At this point, which insurance has seamless coverage for missed connections?
#356
Join Date: Oct 2011
Posts: 209
This a disturbing trend, and as the last few pages show that this exact issue is people's main gripe with the trip insurance. The (very) few that got any resolution, didn't only have to escalate several levels up (supervisor of supervisor), but also involve Citi and/or threaten to involve an attorney. One channel only didn't do the trick.
It's clear at this point that this is the working practice of Citi's trip delay insurance, despite what the terms indicate. And the reps can't (unwilling?) to override the practice.
So either:
1. They change their terms/practice to match each other. Most likely changing of terms.
2. People accept it as the working definition of trip delay and base your bookings off that. Unless they want to invest significant amount of time to get someone very higherup who can override their practice.
With that in mind, are other insurances also the same? someone in Chases's forum said the exact same thing for Chase (and BofA) insurance, but is that the norm there?
At this point, which insurance has seamless coverage for missed connections?
It's clear at this point that this is the working practice of Citi's trip delay insurance, despite what the terms indicate. And the reps can't (unwilling?) to override the practice.
So either:
1. They change their terms/practice to match each other. Most likely changing of terms.
2. People accept it as the working definition of trip delay and base your bookings off that. Unless they want to invest significant amount of time to get someone very higherup who can override their practice.
With that in mind, are other insurances also the same? someone in Chases's forum said the exact same thing for Chase (and BofA) insurance, but is that the norm there?
At this point, which insurance has seamless coverage for missed connections?
#357
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
The “churners” and “travel hackers” were abusing this like crazy, buying $200 worth of phone chargers after a 3-hour delay and filing for meals and hotel nights at the Ritz even when the airlines were responsible for paying, so it’s not any surprise Citi and/or its insurer finally cracked down.
#358
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 2,781
The churners and travel hackers were abusing this like crazy, buying $200 worth of phone chargers after a 3-hour delay and filing for meals and hotel nights at the Ritz even when the airlines were responsible for paying, so its not any surprise Citi and/or its insurer finally cracked down.
#359
Join Date: Nov 2013
Location: Houston, Texas
Posts: 90
As a follow up of above letter from Citi that miss connections should be covered, I complained to BBB and notified them that I am not going to be stopping there. Below is the resolution that was given.
So is there a consensus which card is better for miss connections considering that $450 a year card gives such a big pain?
BTW I found the following statement very funny "Per terms and conditions the trip on the common carrier must be delayed, not just the trip itself"
So is there a consensus which card is better for miss connections considering that $450 a year card gives such a big pain?
BTW I found the following statement very funny "Per terms and conditions the trip on the common carrier must be delayed, not just the trip itself"
Last edited by compspy; Feb 6, 2018 at 1:18 pm