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I write about credit card trip delay coverage — how your credit card used to purchase tickets may cover the costs you incur during a long delay, like the price you pay for a hotel room and your meals too.
This really needs to be shouted from the rooftops since travel does get messed up, people do incur costs, and most get frustrated and leave real money on the table.
Reader Gordon S. emails his experience stuck in Toronto, and getting a check for expenses thanks to the Chase Sapphire Preferred Card.
Hi Gary — I am a big fan of your blog and enjoy the travel tips and credit card advice. You often recommend the Chase Sapphire Preferred card, and I wanted to give you a firsthand account of my recent experience with the card’s trip delay coverage.
Briefly, my girlfriend and I were traveling back from Toronto (YYZ) to Washington (DCA). Our flight on American was cancelled due to bad weather, and we couldn’t get a flight out until the next day. The folks at the American Airlines desk informed us that because the cancellation was due to weather, they would rebook us on a different flight at no cost, but we were on our own for overnight accommodations and they would not pay for that. As a result of the extra night in Toronto, we had hotel, food, and other incidental costs.
I had purchased the original airline tickets on my Chase Sapphire Preferred card, and remembered seeing something on your blog about coverage for trip delay or interruption. I initiated a claim through them, emailed them copies of the various receipts and itineraries, and after about a week they wrote back saying they would reimburse me for the hotel and my personal meal receipts and I could expect a check in about two weeks. My girlfriend was out of luck because the benefit only covers spouses or domestic partners. But all and all it was relatively easy, and Chase will reimburse me over $200 which is not a small chunk of change.
Again, I really enjoy the blog and thought you might appreciate this account of one of the lesser known features of this credit card.
Stories like this feel really great to hear, and I appreciate when readers share them.
Chase Sapphire Preferred doesn’t just have a great signup bonus (40,000 points after $4000 spend within 3 months, plus 5000 more points for adding a no fee authorized user and making a purchase within that timeframe); strong points earning (double points on travel and dining); valuable points (here are my 9 favorite uses); and a $0 fee the first year (then $95) but it has top notch protections as well.
I walked through many of the benefits and protections of the Chase Sapphire Preferred Card last month.
Charge your tickets to Chase Sapphire Preferred Card and then if your travel airline travel is delayed more than 12 hours or requires an overnight stay (get in late, depart early morning) they’ll cover unreimbursed expenses like hotel and meals up to $500 per ticket for you and your immediate family.
If your checked bags are delayed more than 6 hours they’ll reimburse you for things like toileteries and clothing you need to buy, up to $100 a day for 5 days (or until your bags are delivered, if less).
And if your checked or carry-on bags are damaged or lost permanently, they extend coverage up to $3,000 per passenger.
Those are just a few of the benefits. So when irregular ops happen, save your receipts, because you may be able to recoup your costs through your credit card.