May 17, 2017, 6:45 pm
Last edit by: threeoh
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "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 [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesnt exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my inbound. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Need more data on this.
Experiences:
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:
Trip Delay: This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE
No coverage on the Chase cards will pay for new expensive tickets home.
How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461
Guide to Benefits:
Read it! CSR - CSP
Trip Delay FAQ and experiences
This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500
How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "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 [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesnt exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my inbound. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Need more data on this.
Experiences:
- 01/2014 - Delayed in MSP overnight due to mechanical issues. ~$300 for Hotel Ivy downtown, meals, and ground transportation covered with no issues. Benefits applied to AMEX FHR. Claim processed within 1 week. [Full Report]
- 02/2014 - Flight was cancelled due to weather; booked Amtrak with points, which was then delayed because of downed electrical wires; rented a car and drove home. Used print out from flightaware.com to show flight was cancelled, claimed non-points dollar amount for Amtrak ticket, got Chase (not insurance) to request receipts from vendors that weren't saved by OP. All was covered. Full report
- 04/2014 - Delayed in DTW overnight due to crew member time-out. ~$400 for DTW Westin and meals covered with no issues. Claim processed within 1 week. Full Report
- 07/2014- Delayed in MSP overnight due to weather at destination. Booked Marriott Mall of America for $120, and meals for 3 and a shirt were all covered. Recommend keeping new and old boarding passes.
- 12/2014 - Trip delay in WAS (flight was delayed because of MX causing misconnect and overnight. Reward flight with taxes+fees on Chase card. OP + wife were covered $632 for a for a room, dinner, and taxi roundtrip from the airport. Gratuity was not reimbursed and could not convince them to after a phone call. Hotel Was $380 after tax and this was not a problem.
- 07/2016 - Delayed in YYC overnight due to mechanical problems. Claim paid out ~$300. Full report.
- 7/2017 - Delayed in EWR due to thunderstorms. ~$390 for hotel, uber, meals. Claim processed within a week, no issues. Full report.
- 9/2017 - Delayed in EWR due to Harvey. ~$499 for hotel, ubereats. Claim processed in 7 business days
- 1/2017 - $625 covered on two tickets on JetBlue award flight with taxes+fees on Chase in FLL. Missed connection due to Mx. Incl. $65 at Walgreens, r/t uber to hotel, uber home, $265 hotel, $180 meal. Tax, tip, and alcohol covered.
- 06/2017 - $258 covered for overnight delay hotel/dinner. Did not cover $50 to pick a seat on next day's flight. Full report
- 08/2017 - covered during ATC equipment failure leading to cancelled flight
- 08/2017 - covered with flightaware showing delay, no direct statement from carrier. Booked dummy return flight on Southwest to 'comply' with r/t requirement.
- 12/2017 - covered for forced overnight due to ATL "Power Outage". Entire ticket, including taxes, was paid for using Ultimate Reward points through my Reserve account. There was no credit card charge showing on my account.
- 1/2018 - covered for $500 including hotel tips, a drink, and minibar snacks w/ no receipt (but showed credit card statement with purchases listed)
- 1/2018 - covered rental + gas to drive to int'l gateway when feeder flight was cancelled.
- 3/2018 - covered int'l phone calls, roaming cell phone data (submitted phone bill), storage locker, and hotel.
- 4/2018 - covered hotel, meals/snacks, cold medicine, Uber ground transport for overnight due to weather. Award ticket with taxes/fees on CSR.
- 5/2018 - covered $250 in hotel, uber, two meals after missing a connection in a "painless but slightly drawn out" process. Had to request a different delay letter because first one didn't state cause of delay. Total turn-around time 40 days including re-requesting delay letter.
- 11/2018 - covered $300+ in hotel, 2 Ubers, 3 meals; did not cover seat charge or Uber home; originally booked with UR points (no CC charge)
- 7/2019 - covered $400+ in hotel, rental car, 3 meals, clothing/toiletries for me, wife and son for 24 hour delay; award tickets with taxes/fees in CSR.
(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)
For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.
Trip Cancellation / Trip Interruption
This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE
Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.
What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".
Experiences:
CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)
May 8, 2017 | 11:41 am
#226
Join Date: May 2017
Location: PHX
Posts: 21
Air Traffic Control issues in LAX"
This is what I filed a claim for on 11/2016. What you need is the 1st airline to email you a copy that it was "air traffic control". Mine paid for Hotel, Gas to drive to another airport the next day and a meal because the next day it was the only way to get to my destination. Original airport had no flights to get me to my destination. Good luck
This is what I filed a claim for on 11/2016. What you need is the 1st airline to email you a copy that it was "air traffic control". Mine paid for Hotel, Gas to drive to another airport the next day and a meal because the next day it was the only way to get to my destination. Original airport had no flights to get me to my destination. Good luck
"The original flight United Express - UA5436 was delayed for 204 mins due to Air Traffic Flow - weather."
I do have hotel receipts for LAX and my first night in PPT where I also had to book a hotel. Reason: No ferry to final destination that night. The issue is I don't know whom to get a letter to prove that with. I also had to pay extra for a cab from that hotel to my ferry next morning. (Costco booked that and sent me an updated itinerary for it. It shows the whole itinerary, mentions an update that I booked a hotel room in PPT myself and a charge on my card for the additional amount.
Should I get a statement of some type from Costco as well for it? Will that help? I was thinking of asking if they can give me a letter stating because of delay and no ferry availability at night, I had to stay one night in PPT (booked myself) and the extra charge of the transfer next day.
I didn't get an itemized bill for my dinner at PPT. Just a charge slip. And my wife trashed the lunch bill from the airport. I am not sure those will go through now.
May 10, 2017 | 3:19 pm
#227
Join Date: Jan 2010
Posts: 31
I have a 6am BWI-ORD flight on Spirit coming up and am worried about these ongoing Spirit flight cancellations due to lack of crew that have affected my specific flight 5 out of the last 7 days.
Booked this with my CSR. I will need to get to ORD that day for a U2 concert where I have a non-refundable and non-transferrable VIP ticket to the show. If Spirit cancels the flight, is there any benefit that will reimburse me for the cost of a new airline ticket on a different carrier to get me to Chicago that same day? We all know how awful Spirit is at rebooking customers on other flights (they basically don't.)
Booked this with my CSR. I will need to get to ORD that day for a U2 concert where I have a non-refundable and non-transferrable VIP ticket to the show. If Spirit cancels the flight, is there any benefit that will reimburse me for the cost of a new airline ticket on a different carrier to get me to Chicago that same day? We all know how awful Spirit is at rebooking customers on other flights (they basically don't.)
May 12, 2017 | 4:14 am
#228
Join Date: May 2013
Posts: 58
Insurance benefits for Authorized User?
I did a bit of searching and trawling through this thread, but couldn't find a straight answer..
I have a Chase Sapphire Reserve.
If I book an airplane ticket for my authorized user, are they covered by the trip insurance (for delay or cancellation, baggage delay, etc.)?
I have a Chase Sapphire Reserve.
If I book an airplane ticket for my authorized user, are they covered by the trip insurance (for delay or cancellation, baggage delay, etc.)?
May 12, 2017 | 6:08 am
#229
Join Date: Aug 2006
Programs: AA Lifetime Platinum Pro
Posts: 171
Chase Sapphire Reserve Trip Cancellation/Interruption Benefit is great!
I just received a check for over $5000 for a hotel stay I had prepaid in Venice for my family that I had to cancel. My sister got ill and was hospitalized in Florence and we were unable to go to Venice. After 13 weeks of providing documentation and making weekly follow-up calls, I received the check. While I did have to jump through their hoops, it was worthwhile!
I just received a check for over $5000 for a hotel stay I had prepaid in Venice for my family that I had to cancel. My sister got ill and was hospitalized in Florence and we were unable to go to Venice. After 13 weeks of providing documentation and making weekly follow-up calls, I received the check. While I did have to jump through their hoops, it was worthwhile!
May 12, 2017 | 8:38 am
#230
Join Date: Nov 2008
Posts: 3,030
Who is covered? You, the Primary Insured Person, and your Immediate Family Members are automatically covered. Immediate Family Member means your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.
Neil
May 12, 2017 | 9:56 am
#231
Join Date: May 2013
Posts: 58
Benefits Guide
Are you saying you purchased the ticket but it's an authorized user flying? In that situation, unless the AU is one of the people above I'd say no, they aren't covered. The AU should make the purchase, not you.
Neil
Are you saying you purchased the ticket but it's an authorized user flying? In that situation, unless the AU is one of the people above I'd say no, they aren't covered. The AU should make the purchase, not you.
Neil
May 12, 2017 | 10:43 am
#232
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: HA, UA, Marriott, Hilton; GE
Posts: 7,809
Chase Sapphire Reserve Trip Cancellation/Interruption Benefit is great!
I just received a check for over $5000 for a hotel stay I had prepaid in Venice for my family that I had to cancel. My sister got ill and was hospitalized in Florence and we were unable to go to Venice. After 13 weeks of providing documentation and making weekly follow-up calls, I received the check. While I did have to jump through their hoops, it was worthwhile!
I just received a check for over $5000 for a hotel stay I had prepaid in Venice for my family that I had to cancel. My sister got ill and was hospitalized in Florence and we were unable to go to Venice. After 13 weeks of providing documentation and making weekly follow-up calls, I received the check. While I did have to jump through their hoops, it was worthwhile!
Can you share what documents you were required to provide? Other hoops?
Thanks.
May 12, 2017 | 12:01 pm
#233
Join Date: Aug 2006
Programs: AA Lifetime Platinum Pro
Posts: 171
My sister is doing much better; thank you for your kind comment.
May 12, 2017 | 3:19 pm
#234
Join Date: May 2017
Location: PHX
Posts: 21
Trip delay or trip interruption?
Hi,
I previously had posted on the "Travel Delay" thread and got some clarification. But talking to a friend I was recommended to file under "Trip Interruption". I wanted some feedback and advice on what is the better option for me.
My wife an I flew UA on 27 Apr, PHX to LAX. We have a separate booking through CostcoTravel from LAX to PPT that night (1159PM). My scheduled 6:10PM UA departed only at ~9:20PM. We decided to just take our chances with this flight and it kept getting more delayed. Finally we landed ~11:10 PM.
Long story short, we were delayed, missed our next flight, had to stay that night in LAX. Air Tahiti put us onto the next flight that got us in on 28th night in PPT. Since there is no ferry at nights, we had to stay 1 night in PPT and only then next morning get to our final destination in Moorea.
I will be filing a trip delay claim with Chase (Hoping I can get some charges reimbursed). I was going to claim for hotels in LAX, PPT, food in LAX, PPT and next morning to Moorea, and extra cab fare to get to ferry (charged by CostcoTravel). ~$422.
A friend suggested I should file for trip interruption for loss of 1 night in Moorea. The resort refused to refund that amount (even in part) to us and to Costco (Costco confirmed this). But will this really fly? Reading the terms, I feel my chances of getting that 1 night are slim but it wont cover any other expenses. Am I reading it right? I need to get the split up and exact cost for that 1 night.
I'm super confused so looking forward to any expert advice here!
PS: I got a letter from UA stating reason for delay for "Air traffic flow - weather".
TIA!
I previously had posted on the "Travel Delay" thread and got some clarification. But talking to a friend I was recommended to file under "Trip Interruption". I wanted some feedback and advice on what is the better option for me.
My wife an I flew UA on 27 Apr, PHX to LAX. We have a separate booking through CostcoTravel from LAX to PPT that night (1159PM). My scheduled 6:10PM UA departed only at ~9:20PM. We decided to just take our chances with this flight and it kept getting more delayed. Finally we landed ~11:10 PM.
Long story short, we were delayed, missed our next flight, had to stay that night in LAX. Air Tahiti put us onto the next flight that got us in on 28th night in PPT. Since there is no ferry at nights, we had to stay 1 night in PPT and only then next morning get to our final destination in Moorea.
I will be filing a trip delay claim with Chase (Hoping I can get some charges reimbursed). I was going to claim for hotels in LAX, PPT, food in LAX, PPT and next morning to Moorea, and extra cab fare to get to ferry (charged by CostcoTravel). ~$422.
A friend suggested I should file for trip interruption for loss of 1 night in Moorea. The resort refused to refund that amount (even in part) to us and to Costco (Costco confirmed this). But will this really fly? Reading the terms, I feel my chances of getting that 1 night are slim but it wont cover any other expenses. Am I reading it right? I need to get the split up and exact cost for that 1 night.
I'm super confused so looking forward to any expert advice here!
PS: I got a letter from UA stating reason for delay for "Air traffic flow - weather".
TIA!
May 13, 2017 | 7:32 am
#235
Join Date: Nov 2008
Posts: 3,030
I don't believe trip interruption covers you. When you read through the events that can happen to result in a covered loss, there's nothing in there about bad weather delaying a flight. It's all about major events preventing the rest of your trip from occurring.
Neil
Neil
May 13, 2017 | 12:16 pm
#236
Join Date: May 2017
Location: PHX
Posts: 21
Thanks for responding. The reason given by UA in their letter states "air traffic flow - weather" isn't that reason enough for trip interruptions?
can I file two separate claims for trip delay and trip interruption and see which one sticks? I don't think I can do that. I don't want to try something that will make my claim invalid.
Thanks again!
May 13, 2017 | 2:41 pm
#237
Join Date: Nov 2008
Posts: 3,030
From the benefits guide:
That's not the same thing as your flight getting cancelled due to weather. Also you continued your trip, it wasn't something you had to bail on halfway through and go home because of weather.
You really had a trip delay, not trip interruption or cancellation.
Neil
Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
You really had a trip delay, not trip interruption or cancellation.
Neil
May 13, 2017 | 9:31 pm
#238
Join Date: May 2017
Location: PHX
Posts: 21
From the benefits guide:
That's not the same thing as your flight getting cancelled due to weather. Also you continued your trip, it wasn't something you had to bail on halfway through and go home because of weather.
You really had a trip delay, not trip interruption or cancellation.
Neil
That's not the same thing as your flight getting cancelled due to weather. Also you continued your trip, it wasn't something you had to bail on halfway through and go home because of weather.
You really had a trip delay, not trip interruption or cancellation.
Neil
Cancellation means you never left for the trip and interruption means you had to stop in between and return?
So basically I should file for Trip Delay and I won't get anything back for the one night resort stay I lost in my final destination? But they should cover me for the one night in LAX and the one night in PPT? Or will they only be on the hook for the LAX night?
Thanks again for for all the help.
May 13, 2017 | 11:05 pm
#239
Join Date: Nov 2008
Posts: 3,030
Cancellation means you never left for the trip and interruption means you had to stop in between and return?
I don't know if they'll cover two nights it took to get to your ultimate destination but I'd personally try to claim both nights and see what happens!
Neil
May 15, 2017 | 4:40 am
#240
Join Date: Jul 2016
Posts: 292
Which brings up the fact that the trip delay coverage is very small, only up to $500. While that would certainly cover a night's hotel room in most situation, it could be a problem if you have a complex itinerary with prepaid flights every 2-3 days going to different cities, and prepaid hotel rooms, as I have done in the past.
For me, those itineraries have been either impossible to put on a single airline ticket (some airlines just won't mix), or the cost jumped by $5k - 10k (over total of <$1k to 2$k separate for coach).
If the first flight is delayed by more than 24 hours, it could cause the entire trip to be jeopardized, and it looks like in this case, Chase will only pay $500 max for trip delay, and prepaid expenses are excluded. Choices might be to stay at one destination for 24 hours less than planned, but IMO this isn't really adequate.
I have never been in such a situation in the past, but I have had medical cancellation where I couldn't leave on day 1 with this type of complex itinerary. Allianz did me right after I faxed about 35 pages of documentation for all the nonrefundable hotel rooms and tickets, including docs that these didn't get any refund. I have not had to deal with Chase trip cancellation coverage yet, fortunately, though I am relying on it primarily right now and am longer buying separate travel insurance policies. Now seems like a good time to compare the trip delay coverage between those policies and Chase, though.
For me, those itineraries have been either impossible to put on a single airline ticket (some airlines just won't mix), or the cost jumped by $5k - 10k (over total of <$1k to 2$k separate for coach).
If the first flight is delayed by more than 24 hours, it could cause the entire trip to be jeopardized, and it looks like in this case, Chase will only pay $500 max for trip delay, and prepaid expenses are excluded. Choices might be to stay at one destination for 24 hours less than planned, but IMO this isn't really adequate.
I have never been in such a situation in the past, but I have had medical cancellation where I couldn't leave on day 1 with this type of complex itinerary. Allianz did me right after I faxed about 35 pages of documentation for all the nonrefundable hotel rooms and tickets, including docs that these didn't get any refund. I have not had to deal with Chase trip cancellation coverage yet, fortunately, though I am relying on it primarily right now and am longer buying separate travel insurance policies. Now seems like a good time to compare the trip delay coverage between those policies and Chase, though.
Last edited by madbrain; May 15, 2017 at 4:46 am