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 |
Reference(s) to CC protection seem a little muddled from what I read - most posters seem to be referring to buying Travel Interruption insurance.
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Recent discussion here. Start at post 728 and read to end:
https://www.flyertalk.com/forum/chas...l#post29988908 |
Originally Posted by emilio911
(Post 30031871)
What protection can a credit card offer for self-connecting with different airlines/PNRs?
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 Traveler’s 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 |
Originally Posted by paperwastage
(Post 30033913)
what protection are you looking for?
as mentioned in the other threads, citi prestige does have it but very restrictive. 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. |
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.
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Originally Posted by emilio911
(Post 30035276)
I'm wondering if, under trip interruption insurance, they will foot the bill for a walk-up fare in case I miss the second flight (and the second airline refuses to accommodate).
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Originally Posted by LondonElite
(Post 30035319)
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.
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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"). |
Originally Posted by LondonElite
(Post 30035327)
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.
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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 ! |
Originally Posted by Often1
(Post 30035380)
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 !
Originally Posted by Often1
(Post 30035380)
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.
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Originally Posted by emilio911
(Post 30035415)
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.
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Originally Posted by emilio911
(Post 30035332)
Are you talking "trip interruption" or "trip delay"? I think the limits are higher for "trip interruption".
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Originally Posted by LondonElite
(Post 30035523)
To Amex these are the same. ...
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