Same. Used both AMEX and Chase cards own insurance benefits
For AMEX and Chase high end cards -
Travel interruption in general ONLY cover costs Already incurred. Therefore the new tickets from Barcelona to Tenerife is NOT covered. However the forfeited tickets to Majorca and the lodging at Majorca are covered (already incurred costs). There are also conditions required before such benefits would kick in.
We once had to claim travel interruption due to Italian Air Controller strike on our travel date from Catania to Milan, that caused all flights to / from Rome and Milan being canceled. Our loss in that case was only the paid lodging at Catania (already passed cancellation deadline). The new tickets Catania to Turino were not covered due to this was new expenses. Luckily it was only 300+ euro.
On the same trip we had to claim rental car damage coverage. From submitting the claim on Chase eClaim portal to money in the bank, was 7 business days or 9 calendar days. Claim was filed online, then upload supporting documents. Portal confirmed receipts of documents the next day, so as the front line phone rep. The next thing we had contact from eClaim was its email said claim was approved, how did we want to receive the reimbursement? We NEVER know who the adjuster is, or ever have any phone contact. Only talked to front line rep twice to make sure the supporting docs were registered by their system.
Chase benefit paid almost 1200 euro out of 1300+ euro payment related to the rental car damage. There are exclusion on the benefits, such as airport surcharges and VAT on the surcharges but the rental car's itemized Repair Cost Estimate was so well prepared to prorate the surcharge / VAT to each line item that probably confused the adjuster. Chase eClaim paid almost half of those not covered items.
Like I said the whole process was as smooth as silk, our own out of pocket was about $135 for a 1300+ euro claim, at the time 1 euro = 1.25 usd. We were quite satisfied.
On the lodging side the claim was more annoying because the adjuster wanted to have a provider's formal notice on No Show fee in its Letter Head. Are you kidding me?! I then turned to Booking.com customer service to issue an email explaining WHY No Show Fee was legitimate in this case. The adjuster then processed the measly <100 euro claim.
AMEX experiences were completely hands off. Since the charges were all on AMEX card which statement has not yet been closed, the processing rep asked whether we wanted to have the reimbursement posted to the card as a credit or a separate check. We opted for a credit. Hind sight - should take a check because when it is a credit, it wipes out all the points earned from those charges!
近几年来我们开始在旅游前购买保险， 包括旅途中的医疗，也保旅游行程的取消、中断、行李丢失或者其他损失。
2024年11月初我们计划从突尼斯城去西班牙的度假胜地马略卡岛（Mallorca）。由于没有突尼斯直接飞马略卡岛的班机，所以订的机票是突尼斯城到巴塞罗那，然后再从巴塞罗那到马略卡岛，订的是突尼斯航空公司。那天突航司的飞机迟到了两个多小时，起飞晚了3个多小时，从5点多延快9点，加起来差不多晚点6个小时。突尼斯的机场和航空公司都非常不靠谱，期间换了好几次登机口，也没有英语广播，机场工作人员是一问三不知，搞得我们抓狂。
到了巴塞罗那，飞往马略卡岛的飞机早就走了。而且这时候已经是半夜，没有再去那里飞机了，只能第二天飞。 因为我们在马略卡岛只是停留一天，所以第二天就没必要去了。 我们的下一个目的地是西班牙的大加那利岛， 于是决定直接飞去大加那利岛。一下飞机就在手机上订了另外一家航司第二天一早飞大加那利岛的票。如此一来从巴萨罗那到马略卡岛的机票，从那里再到大加那利群岛的机票，马略卡岛上的酒店费用，还有再买从巴萨罗那到大加那利的高价机票都是我们的损失。这种情况在旅游理赔中叫做旅游中断(travel interruption)， 按我们购买的旅游保险合同保险公司应该理赔这些费用。
（无奈在巴塞罗那机场过夜，幸亏我们轻装旅行没有托运行李。）
这是我们第一次申报旅游保险理赔，然而令人崩溃的戏剧性过程从我们申报那天起便开始了。
首先我们在保险公司的网站上按照它的要求收集了证据，比如电子机票、旅店订单、租车的增加费用、还有航空公司的晚点证据、改退机票的政策，以及各种收据，总共将近20个文件。收集这些相当花时间，太太准备了两天。按照要求将这些文件上传到保险公司的网站理赔程序里 ，得到了一个保险理赔号码和一个自动回复的邮件。以为手续已经齐全，然后就是等待保险公司的答覆了。不想过了一个礼拜他们来邮件又提了一堆文件要提交，于是太太又准备了一通提交上去，一周之后我去打电话问，保险公司说这个理赔案子要等4到6个星期，没有说我们上传的文件有任何问题 。
又过了些天收到了一个邮件说这个理赔已经有结果了，可以到它的网站上查询，到网站上一看显示这个案子closed，仅此而已，没有具体信息。我们开始挺高兴以为保险公司会按申报的金额数理赔，于是我打电话询问具体情况，保险公司的客服说我们没有提交文件，真是笑话，它网站上明明都有记录，客服的说辞像白痴一样，让人哭笑不得，他们的claim portal也形同虚设，他们那边什么都看不到，然后告知去找G先生，他负责处理这个案子。G先生不接电话，我留了言。第二天G先生打电话给我说我们没有提供所要求的文件，所以这个案子就被关闭了。
我当时很奇怪，我们已经按着要求把文件全部上传到保险公司的网站，证据应该很齐全，而且我们有上传成功的截屏记录。于是我们又给保险公司打电话找G先生，他还是不接电话。估计这是保险公司的对策，只管你留言。第二天G先生打电话告我说他确实看到一些上传的文件，可有些打不开。于是我要求G先生告诉我哪些文件打不开，请送个具体具体给出打不开的文件名字，我们好重新发送。而且我要求重新开启这个案子。G先生满口答应说过15分钟就给我送一个文件邮件。那天确实受到了G先生的电邮，不过只是一个通用指南，连针对客户的名字都没有，完全没有说明哪些文件打不开。我太太发送文件特别拷贝了我。我可以打开所有文件。此时我已经开始怀疑保险公司有意避开具体细节，以免留下记录。
既然是这样，我们又再送了一次邮件，这次将所有的文件都变成图片拷贝在邮件里，并且同时把这些文件作为附加文件附加在邮件中。不想这一次发送之后，只是按惯例收到了自动的回覆，G先生还是很长时间不理我们。我再去给保险公司打电话，保险公司答覆是依然是有些文件打不开。案子依然是了结状态。我甚至怀疑他们是有意这样做的，因为我已经叫太太把邮件拷贝给我，也拷贝给我儿子。我们都不存在打不开文件的问题。我要求保险公司重新开启这个申报理赔案子，保险公司的人只是说：“你给G先生留言吧，我们不负责这个事。” 要不就是说你打错地方了，他们不负责此事。
过了两天还没有重新开启这个案子的消息，于是我再给保险公司打电话， 结果是转来转去电话又转到了G先生的电话邮箱。这回我态度强硬了一些。 第二天G先生打来电话东扯西扯，大谈重启案子谈需要提供什么样的文件，比如说你买吃喝的费用啦等等，他一直在强调我们没有提供飞机晚点原因。我告诉他前一班飞机来晚了，所以起飞延迟了。至于说是机械原因，或其他原因我不知道，航空公司也没有提供信息。但航空公司提供了起飞时间信息。我质问他为什么他需要我提供晚点原因，难道起飞晚点的证明不足够吗？他哑口无言。不要以为他在乎我说了什么，他还一直说我们没有提供足够的文件，好像他根本没有看到我们最新寄给他的电邮。请注意这家保险公司不提供处理案子人员的电邮地址，电邮不能直接到达他们那里，这样的精心设计的流程有利于逃避责任。我向G先生要地址，可以寄去打印的文件，也可以将他公司的其他电邮地址给我，我可以再次用电邮将文件寄给他，他都不置可否，显然是故意的，这是一次非常不愉快的谈话。
放下电话后我很生气，灵机一动，想起了Chat GPT。于是问了它一下，如果保险公司不理赔，我可以做什么。CHATGPT说可以去加州保险业管理局California Department of Insurance，简称 CDI）去申诉，还可以去民事法庭。我此时已经做好打官司的准备了。
几天后我又打电话给保险公司，要求他们重新开启这个案子，并要求找G先生的经理。电话转来转去又转到G先生的留言信箱。我不客气地质问他是否看过我们的最新电邮，为什么不重新开启这个案子。又过了几天，我们收到保险公司的电邮说只理赔从巴塞罗那到马略卡岛的机票。这个案子依然处于关闭状态。这时候我火大了，用Chat PGT写了一封措辞强硬得信要求重新开启案子。我打算再给保险公司最后一次机会，如果没有满意结果，我便去去加州保险业管理局去申诉，甚至到民事法庭打官司。太太心态好，不愿意找麻烦，不断地说赔一半钱就挺好了，到此为止吧。但我坚持把这封电邮寄了出去。
估计是这封信写得很好，不但措辞非常强硬，而且有暗示案子会升级处理的可能。过了几天保险公司打电话给我说基本上满足了理赔要求。其实我们对保险公司是相当的客气的，旅游中断间吃饭的费用，后来租车多加的费用都没有申报理赔。
看来保险公司基本的运作原则是让收钱变得非常容易，让理赔变得千难万难。如果我们不坚持理赔要求，听信了我们没有提供足够的文件这个理由或者是我们不再计较损失，估计也就没有任何理赔了。因为我们强烈的要求重开这个理赔案子而且不断的催促保险公司，所以保险公司才答应赔了一半。如果我们就此止步，保险公司也就只赔一半而已。由于我们不断地争取，才得到接近90%的理赔，也算是尝到了使用AI的甜头。这是一个费时费力，大脑要死无数细胞的过程。
下次再买保险一定要注意保险公司的信誉。我们申请理赔已经两个多月了，才收到了第一张支票，只是总理赔数目的四分之一，后来的一个多月又陆续收到三张支票，我们都又开始了下一个旅程。所以旅游保险这块极其不专业，他们的运作原则是能不陪就不赔。希望我的案例是个别的，但我也理解了为什么联合健康保险的CEO汤普森（Brian Thompson）被人当街枪杀。
建议在购买旅游保险时能多做功课买到一个好的保险，接受我们的教训。也可能天下乌鸦一般黑，但愿有的稍微白一点。
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令人抓狂的旅游保险理赔 巴拿马巡礼，高瞻且远渡 （下） 巴拿马巡礼，高瞻且远渡 （上） 旅游途中惨被盗，令人发指而无奈 牙买加掠影，瀑布加咖啡Generali Global Assistance & Insurance Services
拿车时候， 对方不认， 因为我下的单， 我付的钱。我下单写明是外甥女开车。
而开车是我外甥女， 不是她下单的。
所以， 要另外用她信用卡买保险。
多付了300+美刀。
业务员都懒得上心，侥幸客户嫌麻烦不再追究，所以他们就抱着逃过一单是一单的心理～
交通方面可以用信用卡带的保险。
没有deductible，所以保险公司想赖掉。
For AMEX and Chase high end cards -
Travel interruption in general ONLY cover costs Already incurred. Therefore the new tickets from Barcelona to Tenerife is NOT covered. However the forfeited tickets to Majorca and the lodging at Majorca are covered (already incurred costs). There are also conditions required before such benefits would kick in.
We once had to claim travel interruption due to Italian Air Controller strike on our travel date from Catania to Milan, that caused all flights to / from Rome and Milan being canceled. Our loss in that case was only the paid lodging at Catania (already passed cancellation deadline). The new tickets Catania to Turino were not covered due to this was new expenses. Luckily it was only 300+ euro.
On the same trip we had to claim rental car damage coverage. From submitting the claim on Chase eClaim portal to money in the bank, was 7 business days or 9 calendar days. Claim was filed online, then upload supporting documents. Portal confirmed receipts of documents the next day, so as the front line phone rep. The next thing we had contact from eClaim was its email said claim was approved, how did we want to receive the reimbursement? We NEVER know who the adjuster is, or ever have any phone contact. Only talked to front line rep twice to make sure the supporting docs were registered by their system.
Chase benefit paid almost 1200 euro out of 1300+ euro payment related to the rental car damage. There are exclusion on the benefits, such as airport surcharges and VAT on the surcharges but the rental car's itemized Repair Cost Estimate was so well prepared to prorate the surcharge / VAT to each line item that probably confused the adjuster. Chase eClaim paid almost half of those not covered items.
Like I said the whole process was as smooth as silk, our own out of pocket was about $135 for a 1300+ euro claim, at the time 1 euro = 1.25 usd. We were quite satisfied.
On the lodging side the claim was more annoying because the adjuster wanted to have a provider's formal notice on No Show fee in its Letter Head. Are you kidding me?! I then turned to Booking.com customer service to issue an email explaining WHY No Show Fee was legitimate in this case. The adjuster then processed the measly <100 euro claim.
AMEX experiences were completely hands off. Since the charges were all on AMEX card which statement has not yet been closed, the processing rep asked whether we wanted to have the reimbursement posted to the card as a credit or a separate check. We opted for a credit. Hind sight - should take a check because when it is a credit, it wipes out all the points earned from those charges!
The limit is $100K. AMEX Plat once had no upper limit but iirc I saw now it had $100K limit like Chase now.
Allianze is among the more reliable companies from what I read on the net.
提交一堆文件之后又告诉我们文件不全，明明我们是航班取消的原因来理赔，他们偏要我们提供航班延误的证据，拉锯几个礼拜之后我只好放弃，理赔金额不大，我们耽误的时间不值得。
出意外在瑞士医院里休养了一周，包括直升机接送到医院的费用等总共花了6万多刀，我们自己一分钱都没花，记得连改签机票的费用丢给报销了，完全没有任何扯皮，甚至没提供任何证据，保险公司直接跟医院电话联系，我们只是转交了一张直升机费用的账单。
廉航经济舱的机票，几十欧百来欧一张的机票就挺正常的，不是开玩笑还有人买到过10欧20欧的机票呢～