I canceled my cruise, however my bank card declare is misplaced at sea

DEAR TRAVEL PROBLEM SOLVER: I'm having hassle with a journey insurance coverage declare for a cruise I bought by my Chase Sapphire Reserve card.

Final summer season I booked a Viking cruise with my dad and spouse. On the airport, my father suffered a medical emergency and needed to be rushed to the hospital. We missed our cruise.

Since I bought the cruise with my Chase Sapphire Reserve card, which covers cancellations whenever you're touring, I filed a declare for the worth of the cruise and airplane tickets.

I despatched all of the paperwork, however Chase is taking their time with the declare. He returns and requests info he already has, equivalent to a journey identification quantity.

I’ve supplied you with all this info. If they’d learn the declare, they might have clearly seen that they already had what they requested for. I needed to add the identical Viking Cancellation Assertion 4 instances earlier than somebody at Chase lastly accepted it.

I need my declare to be authorised and the complete $19,148 paid, based mostly on Chase Sapphire Reserve advantages. Are you able to assist me?

—Brent Feinberg, Canton, Georgia

ANSWER: I’m so sorry to listen to about your father and I hope he’s on the street to restoration. Chase guarantees “peace of thoughts” whenever you ebook journey together with your card, noting that in case your journey is canceled or lower quick on account of sickness, extreme climate and different coated conditions, you may be reimbursed as much as $10,000 per individual and $20,000 per journey to your pay as you go and non-refundable journey bills. Your father's breakdown gave the impression to be coated by Chase.

As I evaluate the voluminous paper path between you and Chase, it seems the corporate was working in your declare, nevertheless it was gradual. As you’ll discover, Chase requested the identical paperwork repeatedly. It additionally required that you simply obtain a letter out of your cruise line stating that you simply didn’t obtain any credit score. Worse but, the claims course of was complicated.

There’s nothing fallacious with requesting these paperwork. In actual fact, you need a bank card firm to be thorough when confronted with a serious declare like this. The underlying drawback along with his case is that it had dragged on for nearly three months. Even probably the most sophisticated claims mustn’t take greater than a month.