Chase Sapphire Reserve Trip Cancellation and Trip Interruption Insurance Benefit

Chase Sapphire Reserve Trip Cancellation and Trip Interruption Claim Coverage

 

The Chase Sapphire Reserve offers Trip Cancellation and Trip Interruption Insurance Coverage, and it's one of the card's benefits that I'm asked about most. Since (thankfully) I haven't had occasion to file a claim, I called the 888-675-1461 number on the Guide to Benefits and also looked at Flyertalkers' experiences with getting reimbursed to put together the following FAQ.

Chase Sapphire Reserve Trip Cancellation and Trip Interruption Coverage

What is Covered for Trip Cancellation or Trip Interruption?

The Sapphire Reserve's trip cancellation coverage kicks in if one of the following happens to you or an immediate family member (spouse or domestic partner, children including adopted children or step-children, siblings or siblings-in-law, parents or parents-in-law, grandparents or grandchildren, aunts or uncles, nieces or nephews):

  • Accidental bodily injury, loss of life or sickness affecting you, a traveling companion, or immediate family member of you or a traveling companion
  • Severe weather that prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
  • Change in military orders for you, your Spouse, or your Domestic Partner
  • A terrorist incident or hijacking
  • A call to jury dutyor receiving a subpoena from the courts, neither of which can be postponed or waived
  • Your or your Traveling Companion's dwelling becomes uninhabitable
  • Quarantine imposed by a Physician for health reasons
  • Financial insolvency of the Travel Supplier, Tour Operator or Travel Agency you used to book the trip
What is NOT Covered for Trip Cancellation?
Just as important as understanding what is covered is understanding what isn't covered. The following is not an exhaustive list, but it includes some of the most common events that people try to get trip cancellation coverage for, but which aren't covered by the Sapphire Reserve trip cancellation benefit:
  • Common Carrier, Tour Operator or Travel Agency cancels or changes your trip arrangements UNLESS the cancellation is the result of severe weather or an organized strike affecting public transportation
  • You or your Traveling Companion change your travel plans, or have a change in financial circumstances or in your business or contractual obligations, such as a job loss
  • A health issue that is linked to any type of pre-existing condition for you, your Traveling Companion or your immediate family
  • Any accident, bodily harm or loss caused by or resulting from an illegal act, participating in a speed contest or professional sporting activity for which money is received, rocket propelled flight, suicide or attempted suicide, declared or undeclared war, or when the U.S. has imposed trade or economic sanctions or other legal prohibition prohibiting insurance of any Accident, Accidental Bodily Injury or loss
What is NOT Covered for Trip Interruption?
 
There is no trip interruption coverage for the following (again, this is not an exhaustive list, but covers the most common reasons people are denied coverage):
  • Traveling against the advice of a Physician
  • Traveling while on a waiting list for a medical treatment or traveling in order to obtain medical treatment
  • Traveling in the third trimester (7th month or later) of pregnancy
  • Traveling with a Pre-Existing Condition
  • You or your Traveling Companion change your travel plans, or have a change in financial circumstances or in your business or contractual obligations, such as a job loss
  • Any accident, bodily harm or loss caused by or resulting from an illegal act, participating in a speed contest or professional sporting activity for which money is received, rocket propelled flight, suicide or attempted suicide, declared or undeclared war, or when the U.S. has imposed trade or economic sanctions or other legal prohibition prohibiting insurance of any Accident, Accidental Bodily Injury or loss
  • Common Carrier caused delays UNLESS they are a result of an organized strike that affects public transportation
  • Travel arrangements canceled or changed by a Common Carrier, travel agent or Tour Operator UNLESS the cancellation is the result of severe weather or an organized strike affecting public transportation
What is the Maximum Amount of Coverage?
The maximum is $10,000 for each Covered Trip, for either a Trip Cancellation or Trip Interruption claim. I was told that this is doubled to $20,000 if you are traveling with a Travel Companion.
How Do I Submit a Trip Cancellation or Trip Interruption Claim?
You can go to eclaimsline.com to start a new claim or to check on an existing claim. When starting a new claim, you'll be prompted to enter your card number and first and last name, and will then complete your address and contact details.
On the following screen, you'll be prompted to select a reason for your loss, the date of the trip cancellation or trip interruption, the purchase date of your tickets, departure date, return date, number of travelers, number of claimants, flight number, departure airport, arrival airport, common carrier name, the country the incident took place in, a brief description of the incident, whether you have any other sources that will reimburse you for the claim (since coverage is secondary to any other insurance you have), etc.
Which Documents Should I Submit?
After you complete the online form, you can upload documents. Uploading the following at the same time you file your online claim will help reduce the back and forth and help expedite your cliam:
  • Confirmation of the cancellation of Common Carrier tickets/reservations, including the non-refundable common carrier tickets and travel reservations
  • Cancellation or refund policies of Common Carrier/Travel Supplier
  • Copy of your credit card statement showing at least partial purchase of the Common Carrier ticket or travel arrangements with your Chase Sapphire Reserve card, also showing your name and address
  • Completed physician form (see below) if applicable
If I Have a Claim Based on a Medical Reason, What Will My Doctor Need to Provide?
If your trip cancellation or trip interruption claim is due to a medical reason, your doctor will need to complete a form that will be provided by Allianz. This form asks the doctor for:
  • Date of accident, injury or illness
  • Please describe the nature of the patient's injuries or illness
  • Was this a referral from another doctor? If yes, provide the date of referral
  • Was the patient hospitalized? If yes, list the names and locations of all hospitals and all admission/discharge dates
  • Was the patient recommended by you to curtail their trip/travel due to this condition? If yes, provide the travel restriction dates advised.
  • Did this travel restriction affect any other family members or travel companions? If yes, why did family member/travel companion need to curtail their travel?
  • Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? If yes, please describe.
  • For pregnancy, provide estimated date of conception.
  • At what date did patient originally begin treatment with this previous condition?
  • Was the patient's previous condition stable at least 60 days prior to booking the trip? Please describe
How Long Does It Take to Process My Claim?
Per the benefit terms that you agree to when submitting the claim, it usually takes 8-10 weeks to process your claim from the time the claim form is received, but once the claims examiner has determined that all the required documents have been received, the claim can usually be finalized in fewer than 5 business days.

What Is an Actual Experience with a Trip Cancellation Claim?

An instructive post is this one from Yossarian147, who was ultimate reimbursed about $2300 for his trip cancellation claim due to his girlfriend's urgent medical condition. He had reserved hotels at non-refundable rates through Chase's travel portal, and had a Chase rep cancel these and provide cancellation confirmations for these non-refundable stays.
He also submitted the trip cancellation claim form online, and later submitted pdfs of the doctor's note, hotel confirmation emails, train ticket with the cancellation policy, and American Airlines ticket cost and cancellation policy.
About a week after submitting these, he was asked for the hotel cancellation documentation and verification from AA of the travel credit.
And about a week after that, he received an email that the payment was processed (except for the American Airlines ticket, since credit can be used for a year), and a check would arrive in 7-10 days.
If he's unable to use the AA credit, he can start a new claim for that amount.
If you've filed a Chase Sapphire Reserve Trip Cancellation or Trip Interruption Claim, what was your experience?
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