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Knowing which credit card you used to book your flight is huge! Yesterday and overnight the East Coast got hit with a pretty big snowstorm and thousands of flights were cancelled for both Thursday and Friday. Many credit cards offer trip delay insurance and you might actually be able to collect on some lodging and good expenses you incurred due to your flight being delayed. So here are some of the major credit cards and their trip delay insurance policies.
If you booked with a Chase credit card.
With the following Chase cards if you are delayed for 12 or more hours, or require overnight accommodations, you’ll get reimbursed up to $300 per ticket for lodging and meals. You must, however, provide receipts when making your claim.
- Marriott Rewards
- Ritz Carlton Rewards
- Hyatt Visa
- Sapphire Preferred
- Ink Bold
- Ink Plus
- Ink Cash
- Ink Classic
- United MileagePlus
If you booked with an American Express credit card.
I think many times people automatically think of American Express when helping them out of a bind, but they do not offer any free insurance. American Express does give you trip delay reimbursement, but you must have purchased this add-on option for $9.95/person when you purchased your ticket with an already enrolled card. You can learn more about this here. If enrolled and the add-on option is purchased, you’ll receive up to $500 in coverage for hotel and restaurant expenses. You must be delayed at least four hours.
If you booked with a Discover credit card.
You get $150/day for food and hotel expenses if your trip is delayed over six hours (up to three days max).
If you charge a delayed flight on a Discover Escape, you’re eligible for up to $150 per day of food and hotel expenses for a scheduled trip on a common carrier delayed over six hours.
To learn more about many of these credit cards listed above, check out this page. I have many of the cards listed out, including full blog posts on the perks, sign up bonus, benefits, etc.