How to use Sapphire Chase’s preferred travel insurance

When I was first approved for Chase Sapphire Card Preferred® (See rates and fees), The Profitable welcome bonus and a valuable transfer partner is what makes me most exciting about the card.

Features -The choice of sapphire a host benefits are useful Outdoors accumulated Chase Ultimate Rewards points at a great rate of income. But, if you are like me, you might spend less time researching travel cancellations and interruption insurance and more time dreaming about how you will Redeem 100,000 Points Ultimate Rewards.

For a limited time, Sapphire Preferred offers 100,000 bonus points after spending $ 5,000 for purchases within the first three months of opening accounts. This is the highest offer we have ever seen on this card, making it a strong time to apply.

But that doesn’t mean you should ignore the benefits of Sapphire Preferred travel insurance. I’m sure I was happy to remember the cancellation insurance when I was unexpected -I thought of missing the New Year’s Eve.

I made a mistake that almost cost me $ 250, but I used travel insurance on Nilam I would rather get a refund for a hotel I never visited. This is what I do so you know what to do if you have been in the same situation.

How do I use Sapphire Chase’s Choice Cancellation Insurance

In December, I booked a two -night stay at Hyatt’s place in Charlotte to visit some friends for New Year’s Eve. The total cost is $ 245, which I prepare online.

Three days before I was ready to hit the road, I caught the cold. Therefore, instead of cooking and enjoying Hors d’eeuvres, I took ibuprofen and eliminated my illness.

That $ 245 Hyatt charges hit my Sapphire account on the day I was supposed to sign in. Instead of getting ready for the New Year celebration, I lay on the couch.

When I feel better about a week later, I remember that I had booked a hotel living with my Sapphire preferred, who provided Travel insurance. Since I can file a claim, I try to get my money back. Here’s how to me.

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How do I file a claim

I went to chasecardbenefits.com and registered with my card information. Then, I was taken to the dashboard of my claim, where I chose to “file a claim.”

On the next page, I chose my Sapphire preferred. I was taken to a screen where I could choose a specific purchase or travel benefit I was looking for to use.

I clicked on “cancellation and interruption insurance travels” as these are the benefits used for my circumstances.

Next, I fill in my “Ticket/Travel/Travel Schedule” purchase date and the cancellation/interruption date.

After that, I was given a hint of choosing the type of loss from a list of 16 options:

Unintentional body injury
Stolen residence
Damaged residence
Illness/disease
Entry to the hospital
The task of the jury/soup
Loss of life
Maneuver
Named a storm
Quarantine
The weather is bad
The transport strike
Travel alert
Terrorist incident
An uninhabited residence/accommodation
Another

I chose a “disease/disease” because I had a medical note proving my diagnosis day before I was supposed to travel.

The documentation I sent

The next part of the process requires additional elevators.

I was asked to give a documentation to prove my claim. What you need to submit will be different -depending on the type of loss you choose.

Chase Benefit Guide notes that, depending on the nature of your claim, you may need to provide more information.

However, in general, this is what you need to circulate:

A trip
Documents confirming the cause of cancellation or travel disruption, such as a medical record or death certificate
Your card statement shows the last four digits of your account number and the payment you make with the eligible card
Policy of cancellation or refund of the provider involved
Proof of protected travel expenses incurred as a result of travel disruption
Any vouchers, tickets or unused coupons
Any other document is asked to prove the claim

In the case of my flu compared to the Hyatt reservation, I started to submit:

E -MEL Verification About My Hyatt Place Booking with Date
A doctor’s note confirming my flu diagnosis with a date
Proof of Hyatt transaction from my Chase Online Portal

Over a week later, I sent a follow-up email requesting some more information.

E -Mel states that I have to submit “Confirmation that travel arrangements are canceled with travel providers,” plus “Card Account Statement (shows the last four figures (4) account numbers) showing payments for travel made on your closed card and/or with redeemable rewards [and] Any vouchers, tickets, or coupons that are not used from ordinary carriers (such as aircraft, trains and cruise ships). “

Since the initial transaction was a few weeks ago, I have been able to submit my monthly card statement. I also upload the hotel bill i Obtained from the Hyatt website.

Where do i think i make a mistake

Another week passed, and I received the second e -mel that asked for more documentation. This time, the letter reiterated the need for “confirmation that travel arrangements were canceled with travel providers.”

At this point, I realized that I might have made a mistake.

I have no official confirmation of the cancellation. In a situation related to my flu, I really forgot to officially cancel my reservation. So, it’s not that this is a “travel cancellation” issue, I basically do not show.

Shy, I left my claim behind. Then, I wrote about it for TPG Daily Newsletterhoping to help others avoid making my mistakes by remembering Actually Cancel bookings for travel they have to miss.

Result

This E -Mel exchange took place at the end of January, so you could imagine my surprise when I woke up with E -Mel in March that my claim was approved.

I will notice that no guarantee of your specific claim will be approved. So, if you don’t Actually Cancel your booking, you may not be returned.

Once I was approved, receiving my refund is easy. I received the same email from the Virginia Surety Company, which works with Assurant, a chase insurance provider. I submitted my bank information through a safe channel, and the money was in my account the next day.

My claim was successful – and I didn’t expect it.

Bottom Line

With travel cancellation insurance at Chase Sapphire prefersYou will generally be repaid for the unimaginable and prepayment travel expenses charged by the supplier, including the living hotel as I booked.

Each chase card is equipped with a Guide for the benefit Explain the benefits of his insurance. If you hold a card with cancellation coverage and travel disruption, keep in mind to cancel your booking in advance and file a claim in the unfortunate event you miss the trip.

If you are looking for a card with this coverage, I suggest Sapphire preferred. In addition to this shocking process, the card itself offers Precious ultimate chase reward points, Excellent income rate and a great transfer partner. When you add travel protection comfort, it won’t be sweet for the $ 95 annual fee.

Apply here: Chasing the Sapphire Choice card

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