CSP Trip Delay Claim on UR Booking

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darkguy2
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CSP Trip Delay Claim on UR Booking

Postby darkguy2 » Wed Sep 07, 2016 2:32 pm

So I flew for vacation last weekend and with my luck I got stuck in my connecting city and had to stay overnight. I did not think too much of it since I booked it through UR with my CSR points so I assumed that I could use the trip delay insurance. So when AA wanted to give me the cheapest hotel around I declined and went to a mid-range one. Now when I call them to file a claim the agent told me I was not covered since I only used my CSP UR points and did not charge anything to the card. Is this true? If so then I am out $200 and am not happy.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)


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kcm7
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Re: CSP Trip Delay Claim on UR Booking

Postby kcm7 » Thu Sep 08, 2016 1:35 pm

So, I was curious about this, and now I'm even more confused. It would seem that another benefit (rental car coverage) still applies if you pay with UR points: http://millionmilesecrets.com/2016/04/1 ... ur-rental/

So you'd think that Trip Delay insurance would cover you as well, even though you pay with points.

If you look at the benefits guide (https://www.chasebenefits.com/sapphirereserve), it's really vague, saying for pretty much all benefits that you need to purchase the trip "using your account." Wouldn't using UR points count as using your account? They don't say "with your card."

Anyway, this is something I, personally, would push back on. Especially because you're paying $450 for the card!
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

darkguy2
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Re: CSP Trip Delay Claim on UR Booking

Postby darkguy2 » Thu Sep 08, 2016 3:06 pm

kcm7 wrote:So, I was curious about this, and now I'm even more confused. It would seem that another benefit (rental car coverage) still applies if you pay with UR points: http://millionmilesecrets.com/2016/04/1 ... ur-rental/

So you'd think that Trip Delay insurance would cover you as well, even though you pay with points.

If you look at the benefits guide (https://www.chasebenefits.com/sapphirereserve), it's really vague, saying for pretty much all benefits that you need to purchase the trip "using your account." Wouldn't using UR points count as using your account? They don't say "with your card."

Anyway, this is something I, personally, would push back on. Especially because you're paying $450 for the card!


I also saw that post when looking into this and I will definitly push back. This is the $95 one though.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

TXviking
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Re: CSP Trip Delay Claim on UR Booking

Postby TXviking » Sat Sep 17, 2016 12:51 am

kcm7 wrote:So, I was curious about this, and now I'm even more confused. It would seem that another benefit (rental car coverage) still applies if you pay with UR points: http://millionmilesecrets.com/2016/04/1 ... ur-rental/

So you'd think that Trip Delay insurance would cover you as well, even though you pay with points.

If you look at the benefits guide (https://www.chasebenefits.com/sapphirereserve), it's really vague, saying for pretty much all benefits that you need to purchase the trip "using your account." Wouldn't using UR points count as using your account? They don't say "with your card."

Anyway, this is something I, personally, would push back on. Especially because you're paying $450 for the card!


So I have the CSP, not the CSR, but I was explicitly told that the rental car coverage did NOT apply if I booked with UR rewards rather than paying cash for the rental. That makes UR points basically worthless for rental car coverage. When I feel a bit more awake I'll do a separate writeup of that experience.

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kcm7
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Re: CSP Trip Delay Claim on UR Booking

Postby kcm7 » Mon Sep 19, 2016 12:06 pm

Interesting. And now that I look at the Chase Sapphire Preferred benefits packet, its language does suggest more clearly it must be paid for with your "card."

Which, yes, would make booking a rental car with points a really bad idea! And if the same rule applies to travel insurance, it has some concerning implications for using points toward flights as well.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

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CarefulBuilder14
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Re: CSP Trip Delay Claim on UR Booking

Postby CarefulBuilder14 » Sat Oct 01, 2016 11:40 pm

Any updates or new insights?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

darkguy2
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Re: CSP Trip Delay Claim on UR Booking

Postby darkguy2 » Sun Oct 02, 2016 11:15 am

Looks like I am SoL. Would of been nice to know before hand. Would not have turned down the hotel offered by AA. Now I know that when booking with points to make sure to book only 99.99% on points and charge a $1 to the card.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

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CarefulBuilder14
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Re: CSP Trip Delay Claim on UR Booking

Postby CarefulBuilder14 » Sun Oct 02, 2016 11:50 am

darkguy2 wrote:Looks like I am SoL. Would of been nice to know before hand. Would not have turned down the hotel offered by AA. Now I know that when booking with points to make sure to book only 99.99% on points and charge a $1 to the card.

In the case of Prestige, travel booked with TY points is covered (and I paid the $5.60 in fees per person per way with TYs). About a week after I got the card, Citi updated the terms to explicitly include travel booked with TYs. I'm not sure if they were previously honoring claims based on TY award travel.

Of course, the cpp value of doing that on AA will be going from 1.6 to 1.25, so coverage will soon come at a great price.

Not sure about the exact UR/MR policies.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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