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6 Easy Steps to File a Trip Delay Insurance Claim With Chase (My Recent American Airlines Delay Fiasco Was Completely Reimbursed)

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6 Easy Steps to File a Trip Delay Insurance Claim With Chase (My Recent American Airlines Delay Fiasco Was Completely Reimbursed)

Joseph Hostetler6 Easy Steps to File a Trip Delay Insurance Claim With Chase (My Recent American Airlines Delay Fiasco Was Completely Reimbursed)Million Mile Secrets Team

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My American Airlines flight over the holidays was delayed, causing me to spend an extra night in Dallas.

Because I used my Chase Sapphire Preferred Card to pay for the taxes on my award flight, I was eligible to be reimbursed for expenses related to my unplanned night.  I filed a claim for the money I spent on food and a fancy hotel, and earlier this month I received my reimbursement from Chase.  They approved every penny of my claim.

I’ll show you how easy it is to file a claim.  And you can enroll in our newsletter for more need-to-know travel tips.

My American Airlines flight was delayed, and Chase rectified my situation

Receiving Full Reimbursement After My American Airlines Flight Delay

I’m no virgin to Chase travel claims.  They cover a WHOLE BUNCH of travel ordeals.  I’ve filed claims for:

  • Scratching a rental car
  • Delayed checked baggage (more than once)
  • Trip delays (more than once)

The best part about Chase Sapphire Preferred travel insurance is the reliability.  I’ve never had a claim denied, and I’ve received literally thousands of dollars back.

One of the best features is its trip delay insurance.  If you experience a delay of 12+ hours, or if you’re required to stay overnight, Chase will reimburse you for all your reasonable expenses.  That includes stuff like:

  • Hotel
  • Meals
  • Toiletries
  • Transportation

As long as you pay for your airfare at least in part with one of these cards, you can be reimbursed.  Here’s how to file a claim!

Step 1.   Head to the Eclaims Line Website

Chase processes everything through Eclaims Line.  On the website’s home page, click “New Claim“.

And as you can see, it’s easy to modify a current claim by clicking on “Existing Claim“.

Step 2.   Enter Your Card Info

To begin your claim, you’ll need to enter the Chase card with which you reserved your travel plans.

Step 3.   Choose Your Claim Type

Here is where you’ll see a full list of all types of claims you’re eligible for with your Chase card.  Click “Trip Delay.

Step 4.   Enter Your Personal Info

It’s all easy stuff.  Name, address, phone number, email, etc.  It should match your card info.

Step 5.   Enter Travel Details

You’ll need to enter the dates of your trip, as well as the specific day you encountered a delay.  Then enter the amount you want to claim, along with a short explanation for the delay.

For example:   My flight was delayed from mechanical issues causing me to miss my connection which resulted in an overnight stay.

Step 6.   Upload Pertinent Documents

This is by far the most laborious step.

To substantiate your claim, you’ll need:

  • Proof that the travel was charged to your card
  • A copy of your ticket
  • Copies of receipts for the claimed expenses
  • A statement from the common carrier (i.e. the airline) indicating the reasons
    the trip was delayed (check out my post on how to get one of those here)
  • Possibly other documentation deemed necessary to substantiate the claim

Ensuring you have all the documents you need is a bit of a pain.  But the half hour it took me to compile everything was definitely worth the ~$270 I received back.

When I first submitted my claim, I was missing one piece of documentation.  After I added the missing document, I received a check in the mail about 1 month later.  Not bad!

Let me know if you’ve had experience with Eclaims Line.  I’ve got nothing but glowing reports!

You can check out this post for the best travel insurance cards.  And subscribe to our newsletter for more step-by-step guides like this:

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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no it’s was not that easy. I submitted my claim two months ago with Chase card benefit service and it’s still pending….

🙁 sorry to hear. I’d recommend maybe trying to call to follow-up to make sure they have all the documents needed?

Say I buy my southwest flight with CSR, and then down the line change the flight (free of charge with SW) for a different date/time.

Then if I experience 12+ hr delay on that new flight I switched onto, will I be covered with Trip Delay? Even though it’s not exactly the original flight I purchased? Thanks!

Are weather related delays covered?

Yep, should be possible – I’ve read successes in a few online forums too.

Hi there ,
Thanks for this post.
I see in one part you state “As long as you pay for your airfare at least in part with one of these cards,”.
What are these cards ?.
I have The Chase Ink business Preferred and I am wonder if work with this card if only one portion is payed with it.
Thanks again

I too, have had to provide more & more substantiation for claims. My last claim took five months to pay.

Just today, I submitted pages and pages of substantiation for just a new claim. They already had what was needed to approve the claim and some of the information they already had. It is a time consuming process and I agree that they will keep requesting more information until you simply give up.

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