What protection can a credit card offer for self-connecting with different airlines??
#1
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Join Date: Oct 2013
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What protection can a credit card offer for self-connecting with different airlines??
What protection can a credit card offer for self-connecting with different airlines/PNRs?
Basically your on your own is you book the legs of your airfare separately : https://www.flyertalk.com/forum/amer...2016-a-50.html
But some people seem to have successfully claimed with their credit card in case of a missed self-connect. see for example the comments of this blog post : https://www.frugaltravelguy.com/2017...ent-3581587122
Is it something possible? Thanks
Basically your on your own is you book the legs of your airfare separately : https://www.flyertalk.com/forum/amer...2016-a-50.html
But some people seem to have successfully claimed with their credit card in case of a missed self-connect. see for example the comments of this blog post : https://www.frugaltravelguy.com/2017...ent-3581587122
Is it something possible? Thanks
#2
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Reference(s) to CC protection seem a little muddled from what I read - most posters seem to be referring to buying Travel Interruption insurance.
#3
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Recent discussion here. Start at post 728 and read to end:
https://www.flyertalk.com/forum/chas...l#post29988908
https://www.flyertalk.com/forum/chas...l#post29988908
#4
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as mentioned in the other threads, citi prestige does have it but very restrictive.
and given citi's trip delay shenanigans, don't count on much
https://frequentmiler.boardingarea.c...y-shenanigans/
https://www.flyertalk.com/forum/29794066-post468.html
(pdf) https://www.cardbenefits.citi.com/~/...R20_FINAL.ashx
Covered Reasons: Travel or Weather Issues:
Severe weather or natural disaster causes all travel to or from the
Covered Travelers Trip destination to stop for at least 24 hours.
OR
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
Severe weather or natural disaster causes all travel to or from the
Covered Travelers Trip destination to stop for at least 24 hours.
OR
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
#5
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Join Date: Oct 2013
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From what I read in the T&Cs and in the other thread, the credit card insurances don't mind if the the tickets have been bought together or not. However, what I should be looking for in the T&Cs is coverage for "common carrier delay" in order to cover most grounds, and not only "weather".
And yes, I'm not trusting Citi whatsoever. I'm still waiting for the insurance regulators to act against them since they tarnish the whole insurance industry.
#6
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I have yet to see a policy that satisfies what most people would need. There is generally a pretty low limit on 'missed connections' (which card companies typically don't define). To give you an example, it's 300 on the Uk Plat Amex and €200 on the German Plat Amex.
#7
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I have yet to see that. I think it is simply too expensive to provide this and would lead, ultimately, to noticeable behaviour-changing patterns of the insured.
#8
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Are you talking "trip interruption" or "trip delay"? I think the limits are higher for "trip interruption".
#9
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Would be helpful if OP provided the specific details of interest to him. Otherwise, we're left speculating as to whether he is worried about a new $75 NK ticket or $10K for EK Apartment !
I have never seen a policy, but cannot say that I have read every policy in existence, which would fully reimburse, without limit, a new ticket when one no shows for that ticket as the result of late arrival on a prior ticket. This is particularly because what is described here are not "connections" and thus not covered as msconnects.
By way of example, the cheapest ticket JFK-LHR on a legacy carrier tonight is $2,774 and typically, the best I have seen is $500 for travel interruptions of 12+ hours. There may be better deals to be had, but that isn't the purpose of the example.
When researching the issue, here are the factors:
1. How much are you saving by purchasing separate tickets?
2. How much extra time are you spending at your transfer point over what you would book on a connection and what is that time worth to you?
3. What incidental expenses will you incur, e.g. hotel and meals?
4. How does the policy define "connection"?
5. If there is coverage at all, what are its conditions, e.g., dollar limits and delay timing?
Don't obsess about CC's. Just because you may need to purchase a specific one-off policy for a specific trip, does not make it a bad deal. Don't get tied up in a CC you don't need to save a few bucks.
Finally, remember that AA does protect on AA-AA and AA-OW separate tickets and that CX protects on CX-CX. Other US carriers may be helpful (stressing "may").
I have never seen a policy, but cannot say that I have read every policy in existence, which would fully reimburse, without limit, a new ticket when one no shows for that ticket as the result of late arrival on a prior ticket. This is particularly because what is described here are not "connections" and thus not covered as msconnects.
By way of example, the cheapest ticket JFK-LHR on a legacy carrier tonight is $2,774 and typically, the best I have seen is $500 for travel interruptions of 12+ hours. There may be better deals to be had, but that isn't the purpose of the example.
When researching the issue, here are the factors:
1. How much are you saving by purchasing separate tickets?
2. How much extra time are you spending at your transfer point over what you would book on a connection and what is that time worth to you?
3. What incidental expenses will you incur, e.g. hotel and meals?
4. How does the policy define "connection"?
5. If there is coverage at all, what are its conditions, e.g., dollar limits and delay timing?
Don't obsess about CC's. Just because you may need to purchase a specific one-off policy for a specific trip, does not make it a bad deal. Don't get tied up in a CC you don't need to save a few bucks.
Finally, remember that AA does protect on AA-AA and AA-OW separate tickets and that CX protects on CX-CX. Other US carriers may be helpful (stressing "may").
#10
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Not sure about that, insurances are still requiring 3+ hours delays. So, you need a 4 hour layover (to be safe). Not everyone is going to start booking 4-hour layovers.
#11
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If you are booking less than 4-hour transfers on separate tickets, you will learn to be quite sorry for that.
MCT is simply an air carrier's risk tolerance measure. If your risk tolerance is that low, you don't need insurance !
MCT is simply an air carrier's risk tolerance measure. If your risk tolerance is that low, you don't need insurance !
#12
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I have never seen a policy, but cannot say that I have read every policy in existence, which would fully reimburse, without limit, a new ticket when one no shows for that ticket as the result of late arrival on a prior ticket. This is particularly because what is described here are not "connections" and thus not covered as msconnects.
#13
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Some of us have Without insurance. But I've done an hour and a half connection as well. And got burned once when a UAx flight went MX.
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#15
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