Citi Trip Delay Reimbursement (Prestige, Chairman, HHonors, AAdvantage)
Feb 6, 2018, 1:20 am
#361
Join Date: May 2013
Posts: 378
What they mean is each individual flight segment itself (in vacuum) has to be delayed for 3+ hr for the reasons mentioned to be eligible for coverage. And it doesn't include getting to airport late because your previous flight was delayed.
Yes, the language is as bad as the interpretation of their terms.
Yes, the language is as bad as the interpretation of their terms.
Feb 6, 2018, 12:52 pm
#362
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 672
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.
Feb 6, 2018, 1:17 pm
#363
Join Date: Jul 2008
Location: NYC
Programs: AA EXP, SPG Plat, Marriott Silver, HH Gold
Posts: 797
This makes no sense, as most connections are under 3 hours (or 6 hours in Chase's case). The whole reason a benefit like this is valuable is to cover for the instance where you miss a connection and have to stay overnight. If it doesn't cover when you miss a connection and the airline can't accommodate you without an overnight, then the benefit is pretty useless, and we should factor that in to our decisions when spending/signing up for cards.
Feb 6, 2018, 1:34 pm
#364
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
This makes no sense, as most connections are under 3 hours (or 6 hours in Chase's case). The whole reason a benefit like this is valuable is to cover for the instance where you miss a connection and have to stay overnight. If it doesn't cover when you miss a connection and the airline can't accommodate you without an overnight, then the benefit is pretty useless, and we should factor that in to our decisions when spending/signing up for cards.
Those same hackers must be hacking the weather as well to cause the delay. LOL
Feb 6, 2018, 4:12 pm
#365
Join Date: Apr 2010
Posts: 309
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.
Last edited by GarlicFlyer; Feb 6, 2018 at 4:22 pm
Feb 6, 2018, 4:18 pm
#366
Join Date: Apr 2010
Posts: 309
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?
Feb 6, 2018, 5:24 pm
#367
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
Yet Trip Cancellation has a coverage where The Covered Traveler(s) misses more than half of their Trip because of missed connections, delayed departures, denied boarding, traffic accidents on their way to a departure, or lost or stolen passports.
If Trip is defined as a flight, you can never invoked this coverage above under Trip Cancellation & Interruption Protection. How can I miss more than half my flight unless I pull a D.B. Cooper?
Another condition of coverage, Additional fares or tickets needed to rejoin the Trip that has been interrupted must be booked within the same fare class service as the original booking, such as economy or business class.
How am I going to rejoin my flight? If Trip is flight segment, how I can extend a Trip or continue a Trip?
Similar problem with Trip being defined as flight under Medical Evacuation. For example, Trip is less than 60 consecutive days long. What flight is that long?
Citi should clarify Trip in Trip Delay to avoid this confusion because the rest of the benefit guides makes it clear Trip is a collection of transportation and not individual segments.
Last edited by seawolf; Feb 6, 2018 at 5:47 pm
Feb 6, 2018, 5:49 pm
#368
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Just Google “maximizing trip-delay insurance” or something like that and read the various travel bloggers and Reddit posts that pop up. People are turning down the hotel rooms and meal vouchers offered by the airlines so they can book $350 rooms and have $150 dinners and then file claims. I saw one guy who bought a $400 pair of shoes during a delay — which, incredibly, was reimbursed.
Feb 6, 2018, 8:41 pm
#369
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 2,781
Trip means 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.
Feb 6, 2018, 8:47 pm
#370
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 2,781
Just Google “maximizing trip-delay insurance” or something like that and read the various travel bloggers and Reddit posts that pop up. People are turning down the hotel rooms and meal vouchers offered by the airlines so they can book $350 rooms and have $150 dinners and then file claims. I saw one guy who bought a $400 pair of shoes during a delay — which, incredibly, was reimbursed.
Feb 7, 2018, 1:02 am
#371
Join Date: May 2013
Posts: 378
Therein lies the problem: they differentiate between Trip vs Trip on a Common Carrier.
"Trip" is defined, as you specified. "Common Carrier" is also defined in the benefits guide. But Trip on a Common Carrier is not defined. And their interpretation is that it's "A" common carrier. Meaning: 1 carrier, or 1 plane, so 1 flight segment.
And they do make the distinction so eloquently in the letter to compspy in post 359.
Last edited by flyershmlyer; Feb 7, 2018 at 1:13 am
Feb 7, 2018, 1:11 am
#372
Join Date: May 2013
Posts: 378
Just Google “maximizing trip-delay insurance” or something like that and read the various travel bloggers and Reddit posts that pop up. People are turning down the hotel rooms and meal vouchers offered by the airlines so they can book $350 rooms and have $150 dinners and then file claims. I saw one guy who bought a $400 pair of shoes during a delay — which, incredibly, was reimbursed.
Feb 7, 2018, 2:20 am
#373
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,638
Just Google “maximizing trip-delay insurance” or something like that and read the various travel bloggers and Reddit posts that pop up. People are turning down the hotel rooms and meal vouchers offered by the airlines so they can book $350 rooms and have $150 dinners and then file claims. I saw one guy who bought a $400 pair of shoes during a delay — which, incredibly, was reimbursed.
$400 pair of shoes would be baggage delay/lost not trip delay.
The fundamental problem I have is how someone misonnecting with a valid MCT itinerary resulting in a 3+ hour delay to final destination would not have a claim while another person with a 3+ hour delay on the delivering flight but no misconnect and arrives on time at final destination gets paid out. Passenger in 1st scenario arrived 3+ hours later than what they expected when compared with what they booked while passenger 2 arrived as expected but paid out?!?!?
Feb 7, 2018, 11:45 am
#374
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
No, it was trip delay. And the claims didn’t suddenly get tougher for no reason.
Also, you “don’t see an issue” with people declining the airline compensation so they could file fraudulent trip-delay claims?
Also, you “don’t see an issue” with people declining the airline compensation so they could file fraudulent trip-delay claims?
Feb 7, 2018, 12:02 pm
#375
Join Date: Nov 2013
Location: Houston, Texas
Posts: 90
Have you ever stayed at the Airline Offered Accommodations? I have, I was put in the cheapest motel where you are scared for your life, try it next time, not everyone is being put in nice hotels.
Hence if I were to be "stuck somewhere", airline fault or not, I would expect my credit card to come thru with their promise of decent room, and not start playing and interpreting the terms to their liking.