First experience with Trip Delay Reimbursement was a breeze
Claim Submitted: 08/12/2026
Closed - Paid: 08/19/2026
Hey folks! Wanted to have a personal story on here.
Wife and I just got the Chase Sapphire Reserve this recent June 2026, and we love it so far. We've made our money back and more with the benefits, and this most recent experience has only added more value.
On August 10th, 2026, wife and I got stuck in ORD during their giant storms. Our 9pm Monday flight from ORD -> CLT was cancelled, and American Airlines put us on the next available flight: 6am TUESDAY THE NEXT MORNING. We were already at the airport at 8pm, so we were stuck at the airport for the night, an hour away from Chicago's downtown.
I called Chase Sapphire benefits to talk to them about what I needed to get reimbursed, and it was simple:
• Travel itinerary
• Covered Card Account statement (showing the last four (4) digits of the Account number) demonstrating that the payment for the Common Carrier fare was made on Your Covered Card and/or with redeemable Rewards
• Statement from the Common Carrier explaining the reason for the delay
• Copies of itemized receipts for claimed expenses (lodging, ubers/lyfts, meals, medication, clothing, other) - $500 covered for each traveler ($1000 total for my case)
Hotels were booked all around us, but we managed to snag one 10 minutes from the airport for $200 that night. Our Lyfts to and from the airport totaled about $50, and we were freezing so we bought 2 hoodies at the airport gift shop, also $50. The total was $306.07, I had receipts and proof of every single event and purchase, and it was all approved. No follow up from Chase's insurance whatsoever--I literally didn't need to talk to anyone from their end.
What turned into what would have been a shitty overnight stay out of pocket turned into the easiest, most seamless cancellation. I am so grateful we had this card to help us out!
EDIT: No alcohol or gratuity is covered, however. Just food and non-alcoholic beverages with tax are covered for meals.