Rarely do I check bags and my trip to Germany last week demonstrated once again why. Whether the blame falls on United, US Airways, or Lufthansa I know not, but I do know that my bag was lost for about 24 hours. Thankfully my Chase Sapphire Preferred Card came to the rescue.
When my bags had not arrived the following morning, I called the Chase Sapphire line, where an agent always pick up. I was not aware of the precise benefits, but figured the card had to have something. Indeed it did.
Delayed and lost luggage insurance. If you have any checked bags that have been delayed for more than 18 hours, you will be reimbursed for the emergency purchase of covered essential items. If your checked or carry-on luggage has been lost or stolen, you will receive a full reimbursement.
Note--this is for tickets (including award tickets!) you have purchased with your Chase Sapphire card.
Here's what I found: as a cardholder, you are entitled up to $100/day for emergency essentials for up to four days (there is a long list of items not covered the agent read to me, but it was all common-sense stuff like electronics, gift cards, automobiles...). In other words, all clothes are fair game.
The first day kicks in once your bags have been delayed for more than 18 hours. Sadly, the claim is not processed directly through Chase but rather outsourced through chubb.com. I was directed to fill out a claim form on the site, but the URL given me me by Chase was invalid when I later visited the site. I eventually found the claim form and it seems a rather straight-forward process.
My bag arrived a few hours later so while I suppose I could have gone on a $100 shopping spree on the Frankfurt Ziel, I did not. But it is nice to know that the option was available and that should my bags be delayed or lost again, I can purchase essentials and be reimbursed.
Trip delay and cancellation insurance. If your covered trip is delayed for more than 12 hours, you will be covered for your expenses, for example, if you need to eat in a restaurant or sleep in a hotel. If your covered trip is canceled for any reason, you will be provided with a full reimbursement.
Haven't run into any long delays this year (last year I can think of one...) but this is a nice benefit as well.
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