Many of the credit card offers that appear on this site are from credit card issuers from which receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. does not include all credit card offers that might be available to consumers in the marketplace.

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! :)

When United Airlines Delayed My Flight, This Overlooked Card Benefit Put ~$203 Back in My Pocket!

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

When United Airlines Delayed My Flight, This Overlooked Card Benefit Put ~$203 Back in My Pocket!

Jason StaufferWhen United Airlines Delayed My Flight, This Overlooked Card Benefit Put ~$203 Back in My Pocket!Million Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Earlier this month I got the dreaded “your flight has been delayed until the morning” spiel from United Airlines after a solid 3 hours of being told the plane should be arriving in 30 minutes.

The gate agent told us to go to customer service for our hotel and meal vouchers.  I’m not sure if he didn’t know what he was talking about or if he was trying to save himself from the hostile crowd.

But when I got through the customer service line I was told the flight wasn’t canceled, it was merely delayed until the morning.  So no hotel or meal vouchers for me.  I was handed a flyer with a phone number to call to book a hotel with a “discount.”

Chase Trip Delay Insurance
When My Flight Was Delayed My Chase Ink Business Preferred Card Stepped in to Cover My Stay at the…Super 8!

I was at O’Hare and I live in Chicago.  So this wasn’t the end of the world.  But it was getting late and the flight was rescheduled for early the next morning.  So I didn’t want to go home.  Plus I really wanted to put my Ink Business Preferred℠ Credit Card’s trip delay insurance to the test.

Chase Trip Delay Coverage

Link:   Chase Ink Preferred Benefits Guide

Link:   Ink Business Preferred℠ Credit Card

I had paid for the flight with my Chase Ink Business Preferred.  So I looked up the card’s benefits.

The Chase Ink Business Preferred’s Trip Delay Reimbursement perk will cover up to $500 per ticket for reasonable additional expenses, including but not limited to:

  • Lodging
  • Meals
  • Transportation
  • Clothing
  • Toiletries
  • Medication
  • Other personal use items

Prepaid expenses are not covered.  So if you missed out on a hotel or connecting flight you booked and paid for beforehand, that won’t be covered by a trip delay benefit.  But it might be covered if your card has trip interruption or trip cancellation coverage, which the Chase Ink Business Preferred does have.  Although those perks didn’t apply to my situation.

To qualify for the benefit, you need to have a delay of 12+ hours, or one that requires an overnight stay.  You also must have purchased all or a portion of the “common carrier fare” using your card.  My delay was exactly 12 hours and overnight.  And even though I was flying on an award ticket, I did pay for the taxes & fees with my Chase Ink Business Preferred.

Chase Trip Delay Insurance
The United Airlines Delay Verification Form Didn’t State the Reason for the Delay, so I Had the Agent Write It in Just to Be Safe

If you have a Chase Sapphire Preferred® Card, the trip delay coverage kicks in with a 12-hour delay or a delay requiring an overnight stay.  This is just like the Chase Ink Business Preferred’s benefit, which makes sense because they both have the same $95 annual fee.

But the Chase Sapphire Reserve® has a trip delay benefit that requires only a 6-hour delay or an overnight stay!  And the Citi Prestige will cover even a 3-hour delay (though this is changing to a 6-hour delay on July 29, 2018).  So you’ll want to consider paying for your flights with those cards, if you have them.

How to File a Claim

Link:   File Your Chase Card Benefit Claim Online

According to the terms, you’ll need to contact Chase (888-320-9956) within 60 days of the delay and then mail the necessary documentation.  But I called and the phone agent gave me a website ( to submit my claim, which is much quicker.  For your claim, I would call first and talk with an agent before heading to the website to make sure you’ve got everything in order.

The documentation you need is:

  • Your completed and signed claim form (can be done online)
  • Proof that the travel was charged to your card
  • A copy of your ticket
  • A statement from the common carrier (i.e. the airline) indicating the reasons
    the trip was delayed
  • Copies of receipts for the claimed expenses
  • Any other documentation deemed necessary to substantiate the claim

If your flight is delayed, and you think it might be covered by insurance or a card benefit, be sure to ask for a delay verification form.  And then save all of your receipts!  The next day I submitted the following online:

  • Copies of all of my receipts
  • The email receipt showing the ticket was paid for (partially) with my eligible card
  • My boarding pass
  • A United Airlines delay form showing the reason for the delay and length of the delay

You’ll also have to indicate how much, if anything, the airline or other insurances reimburse you for your expenses.  In my case it was nothing.

Although later, after I sent a kind email asking for a refund, the 10,000 United Airlines miles I used for the ticket were redeposited into my account.  But this wasn’t a reimbursement of any additional expenses I had as a result of the delay.  So it didn’t affect my benefit payout.

Chase Trip Delay Insurance
I Wasn’t Packed for an Overnight Stay, So These Were Definitely Reasonable Expenses!

I ended up submitting receipts totaling ~$203 for dinner, breakfast, hotel, Uber to & from the hotel, toiletries, and parking for my wife, who picked me up at my destination.  I was paid in full within a week from when I submitted my claim!

The hardest part, for me, was not knowing if all of these expenses I was racking up were going to be covered.  I honestly thought it would be a complicated process full of denials and calls for more documentation.  But it couldn’t have been easier.

My Review of the Super 8 River Grove

I had a lot of trouble finding a hotel to book.  I called Hilton, Marriott, Starwood, and IHG.  But all of their locations near O’Hare were completely booked!  Bad weather at nearby airports had caused lots of flights to be delayed.

Eventually, I reserved a room at the Super 8 River Grove.  I was lucky because by the time I arrived, it was sold out too!

The Super 8 River Grove isn’t the type of hotel that inspires confidence when you first pull up.  But the front desk lady, who wasn’t a big fan of the hotel’s owners and wasn’t shy in sharing her opinion, assured me the beds were okay to sleep in and not just on top of.

Chase Trip Delay Insurance
Despite Its Drab Exterior, the Bed of the Super 8 River Grove Was More Than Comfortable Enough for a Good Nights Sleep

Breakfast is free, but isn’t served until 6:30 am.  So I didn’t get a chance to sample it.  But I’ll go out on a limb and say it’s edible.

Honestly, that’s about all you need to know about the Super 8 River Grove.  It’s a perfect place to stay if you have no other options and your trip delay benefits are paying for it!

If you want more helpful hotel reviews, like this one, be sure to follow us on Facebook and subscribe to our newsletter!

Bottom Line

When your flight is delayed, you could get little to no compensation from the airline.  But your credit card might have you covered!

Thanks to my Chase Ink Business Preferred trip delay benefit, I was able to get $200+ reimbursed when my flight was delayed overnight.  Be sure to read your card’s benefit guide.  Because even if it has trip delay coverage, the specific terms will vary.

And be sure to save all your receipts and get some form of delay verification from the airline.

Have you had success or difficulty with a trip delay claim in the past?  If so, I’d love to hear your story!

Other Popular Million Mile Secrets Articles to Read

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

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! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!


by Newest
by Best by Newest by Oldest

Hi there. I have a question. Does this include booking from third parties such as expedia, orbitz if you fully paid by chase sapphire preferred?

Jason Stauffer

Yes, as long as you pay for at least a portion of your ticket with your Chase Sapphire Preferred the coverage will apply regardless of who you bought the flight through.

Do upgrades count towards Chase travel delay insurance? Let’s say i purchased the actual airfare with another card (for points) but I purchase an upgrade with Chase Sapphire Reserve. Does the upgrade count as a “portion of airfare?”

Jason Stauffer

Jay, the terms state “to be eligible for this coverage, you need to purchase either a portion or the entire cost of your Common Carrier fare using your

Account.” I would assume this includes an upgrade, although you may want to call and confirm at 804-281-5772

We are currently in the middle of the Pacific Ocean headed to Honolulu. My wife had a bad fall and is in bed unable to move until we get to Honolulu, two days from now. She will be in the Hospital arrival. My question while in the hospital is there any provision for me with the Chase Sapphire Reserve Card for my Hotel stay? I unfortunately I think I am on my own. I look forward to your reply.

Jason Stauffer

Ed, I’m so sorry to hear about your wife. I hope she is okay.

If you paid for the trip (at least partially) with your Chase Sapphire Reserve card, you might be able file a claim for the Emergency Medical benefit. I would call the benefits administrator at 888-675-1462, let them know your situation, and ask if you would qualify for any coverage.

Here is a link for the Chase Sapphire Reserve benefits guide for your reference:

You gave us great information for travel delays. Thank you. (next time don’t get the Old Spice Deodorant, it has a strong smell and can be over powering on an airplane, go for something unscented!!)

Jason Stauffer

Thanks, Colleen! I appreciate the deodorant advice, I never considered that perspective.

The problem I’ve had in the past is getting documentatuon of a delay from the airlines. How did you go about getting delay form from United, is it something you can ask for at the airport or can you call the airlines and ask them to send it to you?

Jason Stauffer

Hi, John, you can email United Airlines as Andrew suggested. But I just asked customer service at the airport and they filled out the form for me right there. You could also get it from the gate agent.

Hi John! I checked with the United website and it looks like you can email them at They say to include names of everyone in the party, confirmation number, flight numbers, dates of travel, and the phone email and mailing address you’d like the letter sent to.

John MacGyver

Thanks! that’s very helpful.

Load more