Credit Card Trip Delay/Interruption Insurance
Nov 5, 20, 4:23 am
#1
Original Poster
Join Date: Nov 2020
Posts: 3
Credit Card Trip Delay/Interruption Insurance
Two separate questions:
1) My original flight was Dec 1st A->B->C. Assuming the airline cancelled the flight today (Nov 5th) under a covered reason, and changed my flights to Dec 3rd A->B, Dec 4th B->C, thus causing a delay, would a typical credit card trip delay/interruption insurance cover my hotel/meal at B on Dec 3?
2) Airline's reason given to me was "COVID19", does this fall under "delay of the flight was the result of strike by airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown or denied boarding due to overbooking"
1) My original flight was Dec 1st A->B->C. Assuming the airline cancelled the flight today (Nov 5th) under a covered reason, and changed my flights to Dec 3rd A->B, Dec 4th B->C, thus causing a delay, would a typical credit card trip delay/interruption insurance cover my hotel/meal at B on Dec 3?
2) Airline's reason given to me was "COVID19", does this fall under "delay of the flight was the result of strike by airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown or denied boarding due to overbooking"
Nov 5, 20, 8:46 am
#2
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,269
Insurance is simply a contract between you and a producer (insurance company). Whether your policy covers this will be a matter of the language of your contract. You will need to review that (don't rely on agents and others).
While there are no "general" answers to questions such as this, the exceedingly broad likelihood is that it is unlikely that your situation will be covered.
While there are no "general" answers to questions such as this, the exceedingly broad likelihood is that it is unlikely that your situation will be covered.
Nov 5, 20, 11:43 am
#3
Original Poster
Join Date: Nov 2020
Posts: 3
Originally Posted by Often1
Insurance is simply a contract between you and a producer (insurance company). Whether your policy covers this will be a matter of the language of your contract. You will need to review that (don't rely on agents and others).
While there are no "general" answers to questions such as this, the exceedingly broad likelihood is that it is unlikely that your situation will be covered.
While there are no "general" answers to questions such as this, the exceedingly broad likelihood is that it is unlikely that your situation will be covered.
Nov 5, 20, 3:24 pm
#4
Join Date: Jun 2012
Posts: 2,686
Originally Posted by ccbbaa
Thanks this was what I was looking for
Eg chase sapphire reserve,this won't count towards trip delay because of the advance notice
What is not covered?
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. Also, prepaid expenses are not covered.
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. Also, prepaid expenses are not covered.
Nov 6, 20, 1:58 am
#5
Original Poster
Join Date: Nov 2020
Posts: 3
Originally Posted by paperwastage
It really depends on your insurance contract
Eg chase sapphire reserve,this won't count towards trip delay because of the advance notice
Trip interruption under sapphire reserve doesn't pay out for meals/lodging. Only reimburses nonrefundable costs for travel/hotel etc
Eg chase sapphire reserve,this won't count towards trip delay because of the advance notice
Trip interruption under sapphire reserve doesn't pay out for meals/lodging. Only reimburses nonrefundable costs for travel/hotel etc
Would Sapphire Reserve cover my prepaid+unrefundable hotel bookings at C on Dec1/Dec2/Dec3?
Nov 6, 20, 2:10 am
#6
Suspended
Join Date: Mar 2002
Location: Canada, USA, Europe
Programs: UA 1K
Posts: 31,454
Originally Posted by ccbbaa
Would Sapphire Reserve cover my prepaid+unrefundable hotel bookings at C on Dec1/Dec2/Dec3?
Nov 6, 20, 2:11 am
#7
Join Date: Jun 2012
Posts: 2,686
Originally Posted by ccbbaa
Would Sapphire Reserve cover my prepaid+unrefundable hotel bookings at C on Dec1/De2/Dec3?
You read it and you tell me
Additionally, this insurance does not apply to any Accident, Accidental Bodily Injury or loss caused by or resulting from, directly or indirectly:
1) Common Carrier caused delays, unless they are as a result of an organized strike that affects public transportation; 2) travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any travel agent unless the cancellation is the result of severe weather or an organized strike affecting public transportation;
1) Common Carrier caused delays, unless they are as a result of an organized strike that affects public transportation; 2) travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any travel agent unless the cancellation is the result of severe weather or an organized strike affecting public transportation;
Nov 6, 20, 8:22 am
#8
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 45,169
Originally Posted by LondonElite
Unless you have Sapphire, why would it matter?
