Chase Sapphire Reserve Trip Cancellation and Trip Interruption Insurance Benefit

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

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.

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.

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 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

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.

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