How to Get Back $450 from Your Travel Credit Card After a Flight Delay

Aug 02, 2016 | 15 Comments

Vacations should be a time for fun and relaxation, but as many frequent travelers know, that isn’t always the case. At times when trips don’t go as planned, credit card companies have stepped up to alleviate some of the financial stress that comes as a result.

trip delay reimbursement image

For Anthony, MyBankTracker’s marketing director, his Chase Sapphire Preferred credit card turned out to be a great ally during a recent ski trip in Utah when his return flight was delayed overnight due to a snowstorm.

One of the many travel perks of the Chase Sapphire Preferred is the trip delay reimbursement coverage, which he was able to take advantage of with great success. It covered many of the expenses that Anthony paid for after learning his flight was delayed.

However, the claims process was arduous and filled with constant back-and-forth communication. It is not a common task that credit card users deal with, so his experience reveals the good and bad sides of using a card’s travel benefits.

Understanding the rules

Anthony paid for his trip using his Chase Sapphire Preferred card, and as a rule, cardholders must do the same in order to reap the benefits of this perk. The trip delay reimbursement benefit of the Chase Sapphire Preferred card covers up to a maximum of $500 when a trip is delayed by more than 12 hours or requires an overnight stay.

Chase says that the benefit will cover “reasonable” expenses that include, but not limited to meals, lodging, toiletries, medications, and other personal use items that were also charged on the Sapphire Preferred card.

Preparing the right paperwork

Knowing that he has the trip-delay reimbursement at his disposal, Anthony made a note to keep receipts for all expenditures during the delay. In total, he spent $450 for his extra hotel stay, cab rides, meals, and bar tab.

Upon return from the trip, he immediately called to file a claim, which is actually handled by Visa. Soon after providing a brief description of his case, he received an emailed claim form to fill out (which he received while still on the phone with Visa).

Then, he called US Airways (now American Airlines) for a statement explaining the cause of the trip delay -- a two-sentence email was sent to him that same day. This is required to file a claim.

In a manilla envelope, he mailed the following documents:

  • Copies of receipts for claimed expenses
  • A copy of his US Airways ticket
  • The printed statement via email from US Airways
  • The claim forms

Not surprisingly, it was a sizable stack of paper mailed to Visa. (Customers have to file a claim within 60 days following the date of the delay and the paperwork has to be sent in within 100 days of the date of the delay.)

He was later told that itemized receipts were required for some of the expenses. A Chase representative was able to help him retrieve those receipts, but it took about two weeks.

The total requested reimbursement was $450. He was approved for $380.

The remaining $70 was denied because it was spent on alcohol and gratuity, which was probably extracted from the itemized receipts from restaurants and bars.

His claim was paid, in the form of a check, roughly six weeks after all documentation was sent in.

Chase steps up

Anthony did not relent on the $70 in claims that Visa rejected, so he called Chase about the situation, with the hopes that they would make him whole. And, it turns out that a two-minute phone call to Chase yielded a positive outcome.

With nearly no resistance, the Chase representative agreed to reimburse Anthony with 7,000 Ultimate Rewards points -- the equivalent of $70 if he opted to redeemed the points in the form of cash back.

Since Chase made good on the denied reimbursements, Anthony eventually got the full amount that he asked for in the first place. (The points could actually be worth more since Chase Sapphire Preferred cardholders get to redeem their points for travel with 20% fewer Ultimate Rewards points -- there are other ways to get more from Chase's rewards program.)

Most people would have been happy with whatever amount they could get back. This story is another example that it doesn’t hurt to ask.

To give another idea of how long the process took:

  • Getting the claim form: Immediately during the call
  • Getting the claim approved: 6 weeks after mailing in forms and documentation
  • Getting the reimbursement check: 5 days after claim approval
  • Getting the 7,000 Ultimate Rewards points: Immediately after the call

Despite the time and effort put into filing a claim, and the long wait for the claim to be approved, Anthony felt quite satisfied that his Chase Sapphire Preferred card had his back. He had originally chosen the card for its lavish travel perks that he felt would be most useful, as he travels frequently, and he didn’t mind that it carried a $95 annual fee -- it was worth it. This is why it's important to consider your habits and lifestyle before actually choosing a credit card.

Forgoing US Airways’ flight delay policy

You may ask why Anthony didn’t go to US Airways to cover the costs incurred during the flight delay.

For delays that are beyond the control of US Airways, such as bad weather, the airline will not provide hotel accommodations. Instead, passengers are offered a lower rate at a list of nearby partnered hotels and motels.

The policies are similar with other major airlines. For instance, United Airlines will offer food, beverage, snacks, meal vouchers and a distressed passenger rate voucher for a nearby hotel if a passenger’s trip is delayed due to uncontrollable events.

Clearly, the trip delay reimbursement benefit of the Chase Sapphire Preferred card covers a larger scope of expenses.

Yes, credit cards get a ton of bad press for being the gateways to insurmountable debt. But, for someone like Anthony, who makes a note to always pay off his balance in full, credit card benefits like trip delay reimbursement turn out to be extremely handy. (Most credit cards out there don’t offer such a perk.)

Different From Trip Cancellation/Interruption Insurance

Although they sound very similar, trip delay insurance should not be confused with trip cancellation and trip interruption insurance.

Trip cancellation insurance will cover situations where you have to cancel a trip before it starts. There’s a long list of which events will qualify for coverage, but here are some commons ones:

  • Severe weather
  • Accidental illness, injury, or death
  • Change in military orders

The insurance will reimburse you for all the travel expenses that have already been paid for -- up to $10,000 for each trip.

Trip interruption insurance will cover the same situations as trip cancellation insurance. The difference between the two is that trip interruption insurance takes effect when you’re already on your trip. Again, you will be reimbursed up to $10,000 for the unused portion of your prepaid travel expenses.

All credit cards that have the Visa Signature or World Elite MasterCard logos will come with free trip cancellation/trip interruption insurance. The coverage amount and terms may vary by card.

Trip delay insurance is much less common than trip cancellation and trip interruption coverage. It only covers those instances when your trip is merely delayed and not disrupted entirely.

These are the credit cards that offer trip delay protection (note that the delay duration required may differ from card to card):

Credit card Coverage up to... Delay duration (hours)
Chase Sapphire Preferred $500 12
Citi AAdvantage Gold $500 12
Citi AAdvantage Platinum $500 12
Citi Executive AAdvantage $500 3
Citi Prestige $500 3
Marriott Rewards Premier $500 12
The Ritz-Carlton Rewards Credit Card $500 12
United MileagePlus Club Card $500 12
United MileagePlus Explorer $500 12

Although trip delay coverage can be very valuable, it should not be a major factor in your decision to choose a travel credit card. It has proven to be useful when you need it, but you can't plan for that. Rather, you should look at the card's rewards program and benefits that you can utilize on a regular basis.

Trip Delay Protection from Travel Insurance Companies

Trip delay coverage isn't just offered through credit card. It can be purchased from various travel insurance companies that sell similar protection.

Some of the biggest names that sell these insurances include:

  • Allianz
  • Global Alert
  • Travel Guard by AIG
  • Travel Insured International
  • Travel Insurance Services
  • Travelex
  • TravelSafe

Normally, these companies sell travel protection plans in a package that covers trip cancellation, interruption, and delays, in addition to lost baggage, baggage delays, and accidental injury or sickness. You'll be paying for all this coverage -- not just trip delays.

For trip delays in particular, the minimum trip delay, coverage amount, and policy limit can vary. While credit card trip delay protection policies have coverage limits based on each trip, travel insurance companies impose per-day limits (e.g., a maximum coverage of $100 per day).

The pricing for these protection plans will depend on the duration of your trip and the number people to be covered under the plan.

For example, through Travel Guard by AIG, it costs roughly $50 to cover one traveler for a 7-day trip.

Generally, it is worth purchasing travel protections if you did not use a credit card that offers such benefits and you believe that there is the possibility that they'll come in handy. You may seriously consider it if you're traveling to places with potentially severe weather, areas with known health hazards, or unstable nations.

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Ask a Question

Tuesday, 16 Aug 2016 9:22 AM
<p>We've always paid for trip interruption / delay insurance through AAA (Allianz). I'm only just realizing we already have it via our Sapphire ... does anyone have an educated opinion on why it might be worth it to keep buying the AAA insurace instead? (i.e. paid insurance is easier, better, etc?)</p>
Tuesday, 16 Aug 2016 9:21 AM
<p>Will this insurance reimburse your Chase points if you used them vs. cash for your plane ticket?</p>
Saturday, 23 Jul 2016 10:59 PM
<p>my trip was delayed to air traffic control. I called Delta and they told me that because of strom/bad weather in NYC on July 18, they had to cancel the flight. I had to stay in a hotel that night. I got an email from Delta saying Air traffic control as reason and doesnt mention the reason. Will I be able to get reimbursement? Anyone with same experience?</p>
Tuesday, 26 Apr 2016 3:28 AM
<p>The trip delay reimbursement is a great perk to be aware of when you’re in the market for one of the big-time credit cards. It is certainly true that paperwork is key when settling any dispute. I once had to share at least 60 emails with them to show the reason for a transaction dispute, I feel a travel reimbursement would be similar.</p>
Monday, 29 Dec 2014 10:10 AM
<p>Online notice? Haha! Not in the country I live in where you can't even purchase tickets online. I travel to a lot of developing countries where the chances are slim you'd get a written statement from any employee.</p>
Monday, 29 Dec 2014 10:10 AM
<p>Yes, I've read the Full Benefits Guide in the several months since I asked the question.</p>
Thursday, 18 Dec 2014 9:19 PM
<p>12 hours OR overnight delay. So if your flight for example would have left at 11 pm and your new flight is delayed until like lets say 5 am that would be covered even though it is only 6 hours.</p>
Thursday, 18 Dec 2014 9:16 PM
<p>Just got approved for $632 for a trip delay in Washington D.C. (My plane was delayed because of an equipment problem so I missed my connecting flight). It was from my Chase United Explorer Visa which I used to pay the taxes and fees for our flights (the actual flights were booked using air miles!) The $632 was for a 1 night room, dinner, and taxi roundtrip from the airport. Sent in the paperwork immediately after I got back via email (quicker than mail) and within 2 weeks I got the approval email! Hoping to get the check in the mail soon! For those curious Chase United Explorer covers $500/ticket for trip delay. Since me and my wife were part of this delay, we were eligible up to $1000 in reimbursement. Like Anthony we did not get our $30 in gratuity reimbursed but we are ok with that :) We might try calling Chase and seeing if they will cover it like they did here.</p>
Wednesday, 15 Oct 2014 10:50 PM
<p>Simon, thanks for sharing your story. Trip delay reimbursement is definitely a little known benefit that could help a lot of travelers.</p><p>It seems like the process may have been a bit less frustrating and arduous had you submitted your claim documents electronically. In my experience, you can scan (I used on iPhone app) and email the documents to an email provided.</p><p>I jotted down some tips on the claims process on my blog, <a href="" rel="nofollow"></a> - I'd love to hear your thoughts!</p>
Tuesday, 24 Jun 2014 8:20 PM
<p>That really is what the statement was -- a single sentence. For trains, any delay that is over 12 hours usually comes with an online notice on the train-operator's website. But, I'm not entirely sure if that proof of delay will work.</p>
Tuesday, 24 Jun 2014 7:02 PM
<p>A train being delayed by 12 hours seems kind of a rare occurrence anyway. Since every country has its own rail system, I definitely think getting a statement explaining cause of the delay will be troublesome, unless it doesn't have to be very "official" and can be written by anybody in the customer service center.</p>
Tuesday, 24 Jun 2014 6:06 PM
<p>Yes, and the minimum delay requirement of 12 hours also applies to trains. I'd assume that getting a statement of train delay wouldn't be too much trouble neither.</p>
Tuesday, 24 Jun 2014 5:44 PM
<p>So a flight has to be delayed at least 12 hours? What would the delay have to be for a train? And it seems it would be a lot of trouble to get in writing the cause of a train delay.</p>
Friday, 13 Jun 2014 8:33 PM
<p>The trip delay reimbursement coverage does not care which airline you use as long as part or all of the ticket was purchased with the Chase Sapphire Preferred card. The reimbursement can also be claimed if a train trip was delayed.</p>
Friday, 13 Jun 2014 8:00 PM
<p>Does Chase Sapphire Preferred honor all airlines with this policy or just the major ones like United or SouthWest?</p>