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Chase Sapphire Reserve Travel Insurance is garbage

76 14 March 22, 2020 at 12:19 PM in Finance (2)
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I've been showing symptoms of flu, sneezing, running nose, slight fever. I went to my doctor and have been order to stay home and quarantine myself for 14 days. COVID-19 test was not available and I'm not sick enough to be emitted to hospital for a test.

I called Chase travel insurance and filed my reimbursement for familly trip planned next week. I've explained my symptoms and included my doctor's note.

This is what I get back from chase:

We have completed our evaluation of your recent Trip Cancellation/Interruption Benefit claim. We regret that we cannot process a payment for this claim. Your claim does not qualify for this benefit because:

□ The Trip Cancellation and Trip Interruption benefit does not apply to any loss caused by or resulting from, directly or indirectly, a disinclination to travel due to an epidemic or pandemic.
□ Cancelling due to the threat of contracting a virus or illness is not covered. Please refer to your Guide to Benefits for the definition of a Covered Loss and/or Loss. Also, while we understand the reason for your change of plans, please refer to the Guide to Benefits, section: "What is not covered by Trip Cancellation insurance?" where it confirms coverage does not apply to a loss caused, directly or indirectly, from a change in plans. Therefore, we are unable to consider your claim.

This is complete BS and they have just lost two cardholders. Unbelievable.

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#2
Quote from adala98
:
I've been showing symptoms of flu, sneezing, running nose, slight fever. I went to my doctor and have been order to stay home and quarantine myself for 14 days. COVID-19 test was not available and I'm not sick enough to be emitted to hospital for a test.

I called Chase travel insurance and filed my reimbursement for familly trip planned next week. I've explained my symptoms and included my doctor's note.

This is what I get back from chase:

We have completed our evaluation of your recent Trip Cancellation/Interruption Benefit claim. We regret that we cannot process a payment for this claim. Your claim does not qualify for this benefit because:

□ The Trip Cancellation and Trip Interruption benefit does not apply to any loss caused by or resulting from, directly or indirectly, a disinclination to travel due to an epidemic or pandemic.
□ Cancelling due to the threat of contracting a virus or illness is not covered. Please refer to your Guide to Benefits for the definition of a Covered Loss and/or Loss. Also, while we understand the reason for your change of plans, please refer to the Guide to Benefits, section: "What is not covered by Trip Cancellation insurance?" where it confirms coverage does not apply to a loss caused, directly or indirectly, from a change in plans. Therefore, we are unable to consider your claim.

This is complete BS and they have just lost two cardholders. Unbelievable.
All travel insurance coverage is tricky, as these companies do everything they can not to pay out on a claim. The policies are well written by lawyers.

In your case, I am wondering what your doctor said on the form which they had to fill out., as it may be something they said that Chase is using to deny your claim. The reason I think this, is because if filled out properly and you were sick enough that a doctor advised you to not travel, then your claim should be valid. If your doctor referenced the coronavirus pandemic as the reason, then according to the letter from Chase that is not something not covered by their policy...and that alone is enough for a valid denial.

I suggest that you look to see if the chase trip protection policy was updated after you booked your trip, because of the coronavirus. If so, you could win on appeal since the cancellation policy contract was in effect on the date of booking, and any changes would not be valid unless you signed something agreeing to the new terms.

Either way I would appeal. The term they use "disinclination"... I would argue that I was sick and told to quarantine so not to possily spread a deadly virus, and not just disonclined to travel. There was no testing at the time so the virus could not be confirmed, but you had all the symptoms. If you have a friend or family member who is a lawyer, they will be more helpful than me.
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Last edited by Dr.P March 22, 2020 at 02:00 PM.
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#3
The companies involved in your trip offered no cancellation options?
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#4
Chase Sapphire is crap. They will do anything to deny your claim. I had to appeal to win my case. Good luck and hope you feel better
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#5
I availed of chase sapphire travel trip delay insurance twice (both times cancelled connecting flights due to bad weather. Was paid both times without any hassle (I did make an effort to keep the costs low). I had letters from the airlines.
In one case it did take a call to tell them I had uploaded all my documents.
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#6
Quote from Joullian
:
Chase Sapphire is crap. They will do anything to deny your claim. I had to appeal to win my case. Good luck and hope you feel better
My guess is ALL CC companies will try and do this! It's just not Chase. I've read that even Private travel insurance is pretty much worthless. The best thing you can do is be familiar with the agreements and terms of the policy and you should be fine.
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#7
Ironically, I had 4 trips planned this year on chase travel, I was able to get them all canceled. If you bought it through their portal, log into travel.chase.com, click on trips, then click on the chat on lower right hand side. I've had good luck with their travel chat.

If this was a credit card purchase, then I'd reach out to the airline or hotel directly, lot of them are offering refund as a result of the pandemic or atleast a voucher.

It does suck, despite you showing evidence, people are reluctant to help out. I own 4 Hotels and we like to pride ourselves in making the right human/moral decisions and give pandemic related full refunds.

PM me if you need any help.
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#8
Things like pandemics will never be covered by insurance, because insurance companies will go bankrupt from one event. The purpose of insurance is to spread risk, out of 100 people maybe only a handful will individually have a covered event, so everyone has a low cost but enough coverage if they are the unlucky few to need it. This is how insurance is supposed to work. It does NOT work if there is some event that is likely to affect a disproportionate amount of insured. It's the same reason things like war are never covered. Also, as difficult as this is to hear, this is how you WANT it to be. If they did cover it all they'd go bankrupt and you wouldn't get anything anyway. I'm pretty sure there was an insurance company down in FL that miscalculated their risk before Hurricane Andrew and went bankrupt. People who literally HAD a covered event got little to nothing.

This isn't Chase being jerks, this is just how insurance works, and the only way it CAN work. When there exists insurance to cover large scale event that will affect massive amounts of people from one event, it usually loses money. If it exists at all, it'll probably be nationalized (i.e.- flood insurance).

All of that said, airlines are offering credits. Hotels are accepting cancellations. Anywhere that's closed (i.e.- amusement parks and such) are offering refunds. Maybe you don't actually need to have this trip "covered" by insurance, maybe you can simply cancel it without too much hassle.
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#9
I had just bought a Cuba cruise and, within a couple days, there was talk that travel to Cuba was going to be restricted. As I had just purchased the trip, I was within the time limits to get an optional CFAR (Cancel For Any Reason) insurance as an add-on to my travel insurance policy that would reimburse me at a rate of 75% of my spend.

When the time came to file a claim, it wasn't easy. I couldn't just send them the Priceline confirmation that said my hotel was prepaid and nonrefundable. I needed to provide evidence that I had tried to cancel. I contacted each of the travel providers and was able to get back all but my $400 airfare. I received a $300 payment (75% of $400). The optional CFAR cost about 40% of the cost of my travel insurance policy.
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