Got Trip Delay Insurance? Apparently, We Do!

by Robert Bestor

“Sometimes you’ve just got to suck it up and pay the last minute hotel fee.” That quote is from our August eNews and apparently it’s dead wrong. Well, at least in our case it is.

You may remember (if not, click here) that we recently got stuck overnight in San Francisco. Due to “weather,” we missed our Medford connection by 10 minutes and since it was late, we had a decision to make; sleep on the floor at SFO or book a last minute hotel room that was sure to be over-priced. We chose the latter (since we’re over 50) and forked out $180 for about five hours of fitful sleep on a lumpy bed.

Well, thanks to reader David S. of Los Gatos, CA, we now know that our Chase Visa MileagePlus Club credit card Screen Shot 2018-09-25 at 3.50.55 PMwould have reimbursed us up to $500 per ticket. Here is the info from the Chase website under “Trip Delay Reimbursement”:

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses made with your MileagePlus Club Card, such as meals and lodging expenses, up to $500 per ticket.

500 bucks per ticket!? Heck, we could have booked the Four Seasons.

To get the benefit you must make a claim to Chase within 60 days of the incident. Unfortunately we missed that deadline by about a week.

So do yourself a favor and review your credit card benefits package before your next trip. There might be something in there that you can use. I just did and am now pleasantly aware that our card also provides Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Cancellation/Interruption Insurance, Travel Accident Insurance and more, including of course, Auto Rental Collision Damage Waiver Insurance. That last one I knew about!

Usually the large print giveth and fine print taketh away. Not in this case however. Next time we’ll know, and I’m sure we’ll book ourselves a sweet suite!

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