Chase Sapphire Reserve Card Travel Protection Insurance is a Scam
September 4, 2019 / Luanne Teoh /
By Luanne Teoh
Sep 4, 2019
If you have been thinking about getting a Chase Sapphire Reserve card which automatically comes with travel insurance and trip protection, I urge you to read this post before you do.
There is a $450 annual fee for the Chase Sapphire Reserve card which automatically comes with $10,000 worth in travel protection and insurance for one year when you use the Chase Sapphire Reserve card to pay for your flight tickets.
It’s an amazing card when you factor in the main benefits;
- 3x the points for all dining and travel related purchases.
- $300 credit to your $450 annual fee for travel related purchases.
- $10,000 in insurance and trip protection coverage annually.
If you travel often, paying $450 a year to get $10,000 in coverage for trips annually is well worth it. That was the icing on the cake and the main reason we switched from Chase Sapphire Preferred card with a $95 annual fee to Chase Sapphire Reserve with a $450 annual fee.
The additional $355 a year was well worth it for the peace of mind should you ever need to cancel or change your trip.
Except when you’re not covered.
We booked tickets to Europe in Dec 2018 for a May 2019 trip for Molly’s sister’s 50th surprise birthday party.
In late March 2019, a dreaded phone call came.
My brother in Malaysia called me and I was told that our dad had been diagnosed with stage 4 pancreatic cancer and was given 6 months to live.
Naturally, we could not go to Europe in May and we had to take an unplanned trip to Malaysia instead. We had also booked return tickets from Malaysia back to Hawaii two weeks out thinking we may return home then and take our trip to Europe from Hawaii since the tickets flew out of Honolulu.
We went to Malaysia on May 1st and by mid May we had to transfer my dad to a full-time nursing home and hospice care. There was no way we could leave as he was deteriorating fast and needed our help.
I submitted the claims within the first week of May to Eclaimsline (Chase’s trip protection insurance partner) saying we will not be able to make the trip to Europe and return flights back to Hawaii. I submitted all the paperwork they required and asked for. This was at least 3 weeks before our flight to Europe on May 29th, 2019.
We submitted a laundry list of items based on everything they asked for. From my dad’s physician statement to his hospice doctor’s note requesting us to remain at his bedside during this critical time, itineraries, receipts and credit card charges to our Chase Sapphire Reserve card.
First off, they kept losing the paperwork we submit through their online portal, so between our accountant, Erica, and I, we had to upload multiple requests for the same documents at least three times each.
After almost 4 months of back and forth both on the phone and through the online portal, Eclaimsline denied the claims stating that my dad’s cancer was a pre-existing condition.
Huh? Eclaimsline has an Oncology department and saw my dad in order to make such a diagnosis and statement?!
Erica once again called Eclaimsline to speak to one of their reps to get more details and to re-open the case. This time round, this is exactly what the rep told her on the phone:“Your claim is denied because it [the cancer] did not occur en route to your destination.”
So basically we needed to be on the way to the airport when my father was diagnosed with stage 4 pancreatic cancer to qualify.
This is not only a ridiculous requirement, it’s cruel and shameful on Eclaimsline’s part.
Two separate phone calls with two very different answers for the same scenario.
The cancer diagnosis had not changed, but Eclaimsline’s reason for denial of coverage did.
If the situation with my dad does not qualify for a claim, then nothing else will.
- If you read the online reviews on Eclaimsline, you will see that even a death in the family does not qualify for a claim/refund/credit.
- Even in the midst of a travel emergency and crisis (think terrorist attacks, bombs being dropped around you and your airport is under siege), you will still not be covered. Read this blog post for more details.
I have also disputed the charges for the Malaysia to Hawaii portion of our return tickets since it was within the 3 month time frame for a dispute to be valid. That claim was denied as well.
From insurance protection claims to disputes, all claims were denied. Period.
Chase Sapphire Reserve card with travel protection is a scam.
They do not protect you at all.
In fact, they will give you more grief to an already stressful and challenging time.
I want to point out that this Chase card provides insurance coverage for: “Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion.”
They scammed us by diagnosing my dad’s condition as PRE-EXISTING.
Note on Affiliate websites for Chase Credit Cards.
When you Google “Chase Sapphire Reserve card reviews”, you will see a lot of financial and travel related websites that will recommend Chase cards and all their reviews of the card will be outstanding.
All of these websites are affiliates for Chase and they make a commission when you click on their link/s, read their reviews and sign up for a Chase card. That’s one of the ways these websites monetize their business.
It is in their best interest to ONLY provide the positive side of Chase credit cards to get you to sign up, so don’t believe the hype about the travel insurance protection you’ll be getting with this credit card.
The Chase Sapphire travel insurance benefit is not designed to protect you. Its claim process is specifically designed to exhaust you through the tedious and bogus process. And its marketing, which Chase and their affiliates do a great job on, is designed to mislead you.
Learn from our mistake and don’t bother with this credit card. This is why Chase Sapphire Reserve card travel insurance protection is a scam.
Have you had the same experience with Chase credit card’s travel protection?
Please file a complaint with the Consumer Financial Protection Bureau (CFPB) and tell us about your experience with Chase below.
EDITED: Monday September 23 2019.
- Nine days after this blog was posted and tweeted to Chase, on September 13, my first claim was was approved, even though it had been previously denied. Twice.
- On the same day, Josh Barnes from the Chase Executive offices in Ohio called and left me a message. I called him back on Monday September 16 and left a voice message.
- 19 days after, on September 23, my second claim was approved, even though it had been previously denied. Twice.
EDITED: Tuesday September 24 2019
The Consumer Financial Protection Bureau (CFPB) wrote me to tell me my second claim was approved and that Chase/Eclaimsline has responded.
The reason why my claim was approved because I had added my dad’s hospice note to the blog which was not submitted to them. This is not only a sorry excuse because all they asked for was a physician’s statement for the claims (which I provided since day one). The hospice letter was additional to what they had asked for and I had taken it upon myself to ask the hospice doctor to write me a note.
IF a hospice note was all that was needed to get my claimed approved in the first place, why then did not ask for it immediately instead of asking for a physician’s note and then denying my claim anyway?
The Chase Executive office sent me this via snail mail. Which further proves my point on why did they not just ask for the hospice note in the first place as a requirement for my claims to be approved?
I call bullshit on both Chase and Eclaimsline.