Trip delay coverage that comes with many premium credit cards can save you and your family up to $500 this holiday season if things go wrong during your travels. But it requires followup.
About six months ago I submitted a trip delay claim to my Citi Prestige Card’s coverage. Within minutes of getting off the phone with the rep, I received an email reiterating what they wanted from me to substantiate the claim.
I responded within 20 minutes, and I didn’t hear anything. After the promised two weeks I emailed again. And I followed up a couple more times, but never received a reply. I had it on my list to call Citibank for help, but I hate picking up the phone when I don’t have to and kept putting it off.
Then out of the blue earlier in the week I heard from them!
So all I needed to do is substantiate the delay and provide them with other and I’d be good!
Only my original claim substantiated the delay, and they didn’t tell me what was insufficient about that documentation. So I replied,
Thank you for your message. Do you realize this claim was submitted 5 months ago?
I have attached proof of delay. [The same information I submitted with my original claim.] If this does not suffice, please tell me specifically what you are looking for.
And please tell me what your request for “OTHER” is comprised of, because the lack of any description makes it impossible to satisfy your request.
And within a few days I heard back — claim approved!
It was as true four years ago as it is today.
- These companies providing outsourced benefits don’t make money by paying out benefits
- It’s a bureaucratic process
- Most people aren’t super diligent in their jobs, and it’s easier to deny a claim than process one.
So the key to a successful claim is just following up. In my case this time I should have followed up more aggressively, but it still worked out. Just because you get a ‘no’ or are frustrated with silly requests, do not give up.