ljones

Thanks much...knew where to find it but it's not my preferred reading & hopefully will not become 'required reading'! 😉

Do NOT count on Chase Preferred for "Travel Accident Insurance".

Thanks. I've always purchased actual travel insurance through an insurance company previously. I was more wondering if anyone had made a claim on their Chase card insurance. And also how they felt it was handled, did the documentation go to Chase, did you call Chase with questions and were there any issues...I do have the Guide to Benefits...massive & can easily be used right before bed to get to sleep!

I also have Chase Preferred and am wondering if anyone has received a benefit / reimbursement from them? If so, how was the process since they are not an actual insurance company.

Maybe would require assistance if I'd already HAD 2 drinks + 1 more w/ 1 'to go' but not a likely scenario...

Thanks for the info. Are you allowed to bring a bar drink to dinner?

Rather than bring alcohol onboard, is there a 'Happy Hour' time or place on Riviera?

You might not want to Dispute the Charge unless you've given time for the issue to be resolved... "If a merchant is in the process of working with you to try to resolve an issue, filing a chargeback is the nuclear option. To the cardholder, it may seem essentially the same as getting a refund, but for the merchant, chargebacks are much more costly and harmful than refunds..."

Have an upcoming Oceania cruise on Riviera. While I enjoyed my 1st Oceania cruise, I found the ship small & sometimes was a bit bored. But I am looking forward to Oceania cruise # 2 to Iceland, Greenland & Norway. I am not a 'foodie' but only did Carnival & NCL once due to the horrible (at the time) food...Used to also be loyal to Celebrity - starting with my 1st cruise in 1996...but they seemed stuck with 7 day cruises & I had to continually find B2B's or jump ship to another line. I ultimately discovered that was no longer for me and have chosen HAL recently due to the length of cruises - for me, it's all about the itinerary and the fewer lifetime flights involved, the better. Just before covid (and during the initial outbreak) I was on the HAL Grand Africa cruise, 71 days circumnavigating Africa w/ rt Ft Lauderdale. LOVED all the sights & sounds & uniqueness. In October, will circumnavigate S America over 73 days again w/ HAL, again rt Ft Lauderdale (Seattle resident) - with an excursion to the Galapagos Islands, cruising around Antarctica and down the Amazon river. The ship is primarily the conveyance.

Yes - quite a surprise...very nice benefits involved & unexpected until I saw info about the 'Extraordinary' sale here on CC...gotta love it.

Just yesterday my TA got us upgraded from Oceanview (C) to PH2 - with $480.00 OBC (we were past final payment on our cruise).

Does your Travel Insurance have a "Missed Connection" section? It should show your maximum payout (generally NOT a huge sum) and then you'd need to read THEIR definitions and limitations to determine if you were covered. If you believe you fit their definitions, you may have been denied initially because you did not provide sufficient documentation. Problem is, what we believe should reasonably be covered is not necessarily what the policy specifies is covered... Just checked my Travel insurance & "Missed Connection" only applies for travel TO my trip destination...MAX: $2,500.00

You also need to pay attention to the limits in the number of days. Some plans limit each trip to 45 days, some 90 days per trip. Also some annual plans cover only a certain Total number of travel days for the year...

I don't have Chase Reserve - but Chase Preferred - but as an example, Chase will provide Travel Insurance Coverage if you pay for "all or a portion" of your travel expense on your Chase card... But when you read the actual policy - it has this, more specific wording / limitation: "Signed transactions are covered as long as You use Your eligible card Account and/or Rewards programs associated with Your Account to secure the transaction."

As mentioned - credit cards - on the surface - seem to cover the 'basics' - but their definitions - much like some insurance policies - may NOT be exactly what you expect or assume them to be... Insurance companies tout their "coverage / dollar amounts" but not what the hidden meanings, exclusions and restrictions are...often not even in the copy of the policy you receive. Sometimes, you have to dig deeper to find the 'rest of the story.'

I also did not see the policy we both have specify you must enter the entire non-refundable cost of the trip...BUT I did see where SOME policies actually do... I have Chase Sapphire Preferred - it covers cancellation, interruption, baggage, etc up to 60 days. I've also been reviewing dual coverage...so I feel ok covering the costs of the flight only on this specific trip (Icelandair does not seem to have any insurance of their own) due to comments that they sometimes cancel the flight - which would impact my trip - last minute. So the flight was approx $500.00 - which I told Steve - I couldn't recall the exact amount at the time - and with the policy got the medical & evacuation coverage included in the flight cost (actually $592.00 - which I 'self insured' the $92.00). I have no pre-existing conditions - that was someone else. But I still question without the double coverage if most insurance companies will pay out a $100,000.00+ with an extended time frame listed and an exceedingly low dollar figure . In my particular case the time frame only covers 30 days. What concerns me is: "Trip Cost (Total)" - specified by the insurance company wording - at $500.00 when it is actually more. I am relying on the dual coverage - but only the insurance company lawyers know for sure.

As long as you read the limitations on the policy - some travel insurance companies require, in the policy, that you insure ALL non-refundable trip costs - in that case, how would you explain a $500.00 trip cost that spans a month, 60 days, 70+ days...? What the total is is another thing, dependent on the cruiseline - cruise costs are refundable to a certain date and are non-refundable by a certain percentage at varying intervals...and most insurance wants you to insure immediately - so what is your actual, nonrefundable cost at that time? Are you then required by the policy 'gotcha' to increase the coverage cost as you make additional payments - or do you insure the entire cost immediately?

It could be that the cruise line wants you to 'declare' your pre-existing conditions so, if not covered by your insurance, you would have no claim against the cruise line for medical coverage for that.

It is my concern. And I think most, like I didn't, ever read the actual policy to the very end where they give 'their' definitions. In most instances I get coverage for the full trip but in this case, my credit card covers the minor things. Hopefully, I won't need to test whether or not the lawyers agree with my reasoning in this instance or not. I think it's valid that I have the additional coverage and only need to cover the airfare, as did Steve. And, it is the same argument - and I am obviously not fully convinced. I retired as a fraud investigator with WA State. And dealt with many lawyers...what seems clear to most people is intentionally not clear enough to get past them... But, I never did insurance fraud. Welfare fraud, vehicle fraud, business fraud...and on the other side - I personally just tried to deal with Toyota Corporation...on a much more serious matter. They have a massive number of Talking Head Executives and lawyers...

The wording is from the Travel Safe plan... I also have credit card 'coverage' from Chase Preferred and the covered trip is less than their 60 day limit, so the card will cover cancellation, interruption, baggage ect so I primarily covered the airfare...and still that wording concerns me if I'd need the medical / evacuation coverage during the 30+days... They have lawyers...probably lots of them. 😞

klfrodo - How do you interpret the below language when covering a trip at a specified cost that is, in fact, less than the actual cost of the trip? I can see where you could argue that your credit card covers trip cancellation, interruption, etc...but this wording makes me wonder... "Concealment and Misrepresentation: The entire coverage will be void, if before, during or after a loss, any material fact or circumstance relating to this Policy or claim has been concealed or misrepresented." And being a WA resident also, where did you get specifics on their travel insurance regulations?

It sounds as though you both had excellent experiences with Travel Guard...I also preferred their wording regarding notification during an "emergency or urgent" situation. But I have learned, after years of just getting a policy & not reading it, that that is not the way to go. I also wonder if it is not easier to get reimbursed for a medical issue as you have a Dr to verify expenses. Harder to provide documentation on the contents in your suitcase or meet cancellation limitations...But compared to medical - much less of a worry.

May be a bit late - but I discovered during a cruise when covid began (that involved ports that refused to let us dock) - that many people with flight issues, etc were 'on their own'. Either book your cruise directly with the cruiseline or with an agent - otherwise, if you use a booking site (ie expedia or similar) there will be no help from the cruise personnel in rearranging flights, ect - they will only help direct or agent booked passengers rather than those with 3rd party agencies.

Appreciate your reply. Were you told in writing or over the phone about cancelling your flights? I am looking at some of the complaints on BBB - but that would not generally be the best place to review a company as it is ALL about complaints...thus far, most seem to be the length of time it took to resolve a claim - but some show a response from the complainant or AIG that the investigation had been competed (without a further response from the original sender - so those outcomes unknown). Some show the following or another that the investigation was completed and the complainant can send a different default letter that the issue has NOT been resolved. [A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. BUT valuable information is clear: DO NOT CALL the insurance 'call center', Put everything in writing & keep copies of it all. Learned while on a cruise which was diverted during covid - do not use a 'booking site' if you expect help with an issue involving your flights, your cruise, etc.

jclinard - A question for you. In your signature, you have: Do not use AIG Travel Guard. Why? They are one I am considering due to cost & "coverage". Were you denied a covered issue? What was their reasoning and did you have the documentation necessary? I always feel insurance companies have a 'gotcha' that we don't realize in advance.