My travel insurance covered my $660 bill when a flight was canceled

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  • My family was traveling to Milan from Paris this summer when our flight was suddenly cancelled.
  • I remembered I got flight delay benefits with my Chase Sapphire Reserve card, so we stayed nearby.
  • It took some effort, but I was able to cover the entire $660 bill with my card.
  • Get a free quote for travel insurance with SquareMouth

No doubt anyone who has traveled this year has witnessed or experienced the general chaos that has gripped both airlines and airports around the world. Notable problems include security lines exiting the door, canceling flights, and checking bags that seem to disappear into a cosmic black hole.

When these issues affect your travel plans, the result can be hundreds of dollars in unexpected costs. But as my experience shows, a travel insurance policy It can make you whole again.

Stranded in Paris

Paris is not an inexpensive city, but we had an affordable plan to take a side trip there while visiting Italy this summer. In fact, my family of five was able to buy round-trip tickets from Milan to Paris on European discount airline EasyJet for 357 euros (just a little more in US dollars). That’s only 71 euros each, an incredible deal.

The flight to Paris was quiet, but our flight to Milan was suddenly canceled, just before boarding. We were told it was because of crew availability and that we were able to use their mobile app to quickly rebook a 7pm flight to a 6am flight the next day.

However, the easyJet staff could not provide us with any assistance in getting a hotel. On my own, I found a nearby Hyatt hotel where I could use my rewards points to stay. But on our way to the hotel’s shuttle bus, we noticed the Sheraton on the premises, which has a nice restaurant. That was the time I realized I had bought these tickets on my own Chase Sapphire Reservewhich included Flight delay insurance as a cardholder benefit.

After confirming the availability of two rooms at the Sheraton, we made the decision to stay there to stay near the airport and ask for compensation later. Since the meals were also covered by the flight delay feature on my card, we were treated to a last French dinner.

It took months to claim travel insurance benefits

Our side trip to Paris took place in mid-June, but I didn’t want to deal with paperwork while on vacation, I waited until early July to collect documents and submit my claim. I filed the suit on July 5 at, providing all documents in my possession, including my receipts for the purchase of the flight, as well as hotel and meal expenses incurred.

And while the site promised to review the documents within five days, there was also a warning that it was “currently going through longer than usual processing times for claims.” This warning still appears in October, so someone might want to re-evaluate their definition of “normal”.

I was notified on July 18 that they needed additional documentation, including the nature of the cancellation and the passenger’s relationship to me, the card holder.

I answered that the passengers were my wife and three children, and that the cancellation was due to crew availability. On August 17, I received a response that said in part, “We have attempted to verify and cause a delay for Common Carrier on your behalf. However, our search was unsuccessful. Please provide a copy of Common Carrier’s statement of delay.”

Then I made several calls to easyJet, and realized why the benefits officer couldn’t get a statement. I’ve spoken to several people at easyJet, but no one emailed me a statement while I was talking to them. I’ve received unfulfilled promises that I will receive a statement in 2-3 days. But two weeks later, on August 26, I was surprised to receive an email from easyJet stating that our flight was “cancelled due to crew issues”.

After forwarding this statement to the Benefits Officer, my claim was eventually granted. A check for two hotel rooms and one dinner, $661.27, was issued Sept. 9 and mailed to my home. I received and deposited it on September 20, exactly three months after our flight was cancelled.

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  • Capital One Venture Rewards Credit Card

  • Chase Sapphire Preferred® Card

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lessons learned

Flight delay insurance offered by cards such as Chase Sapphire Preferred and Sapphire Reserve are valuable features. Not only did it cover the cost of our rooms and hotel meals when our flight was cancelled, but knowing we got this benefit allowed us to choose more convenient accommodations and enjoy a nicer meal than we would have had if we hadn’t been compensated. .

However, you must be persistent in claiming these benefits. I had to provide flight purchase receipts, expenses incurred, and copies of credit card statements for both. But the hardest part was extracting a statement from the airline itself. However, once I received the statement, it seemed to be the key to eventually getting compensation, three months after the flight was cancelled.

The effort was worth the $661 I received, I’m sure I’ll get the next Travel Insurance Claim It will be a little easier now that you know all the required documents.

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