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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Chris is a freelance writer and editor with a focus on timely travel trends, points and miles, hot new hotels, and all things that go (he’s a proud aviation geek and transit nerd). Formerly full time ...
With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
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The number of travelers in the U.S. has steadily increased since the end of COVID-19 restrictions. The Transportation Security Administration (TSA) reports screening in excess of 2 million travelers each day, matching or exceeding numbers from 2019.¹
Unfortunately, with the large volume of travelers, flight cancellations and delays can cause even the savviest of travelers significant inconvenience.
Plus, your chances of having a flight disruption are likely. According to Flight Aware, a site that tracks flights globally, you’ll find thousands of worldwide cancellations and delays each day.²
Trip disruption can also cost you. Whether it’s the expense of a hotel room, transportation, meals, or incidentals you might need, chances are you’ll end up paying some of these expenses out of your pocket, especially in the case of severe weather.
Having trip cancellation and trip interruption insurance coverage on your credit card can be a real plus for travelers. While it won’t take the place of a comprehensive travel insurance policy, you may find the coverage more than adequate to cover your trip.
In recent years, some credit card issuers have reduced or even eliminated travel insurance on their cards so now is an ideal time to have a refresher on the products that offer this valuable coverage.
Let’s look at some of the best credit cards for trip cancellation and trip interruption insurance.
What Is Trip Cancellation and Trip Interruption Coverage?
Put simply, trip cancellation insurance reimburses you, your eligible family, or covered travel companions for non-refundable prepaid trip expenses if a covered loss prevents you from traveling and your trip is canceled as a result.
Trip interruption insurance offers coverage for unexpected events that happen during your trip and causes your trip to be disrupted.
Examples of Covered Events
Bodily injury due to an accident, loss of life, or sickness of the cardholder, traveling companion, or immediate family member of yours or of a traveling companion
Severe weather
Change in military orders for you or your spouse/domestic partner
Terrorist action or hijacking
Jury duty or subpoena that cannot be postponed or waived
Finding you or your traveling companion’s dwelling unable to be occupied
Quarantine
Travel agency insolvency
Examples of Covered Non-Refundable Expenses
Prepaid tours
Tickets on common carriers such as an airline, train, bus, or cruise
Non-refundable hotels
Generally Not Covered Events
You are traveling against the advice of a doctor, while awaiting a specified medical treatment, or to receive medical treatment
Traveling in the seventh month or later of pregnancy
Traveling with a pre-existing medical condition
Illegal acts while traveling
Being involved in a motor vehicle race or speeding contest
Participating in professional sports for pay or prize money
Traveling on a rocket-propelled aircraft
Self-injury
Several credit cards offer trip cancellation and trip interruption insurance, each with varying degrees of coverage.
Bottom Line: Having complimentary trip cancellation and trip interruption coverage on your credit card can save you from losing your hard-earned travel dollars by reimbursing you for non-refundable or unexpected expenses caused by trip cancellations or interruptions.
The 9 Best Credit Cards for Trip Cancellation and Interruption Coverage — Overview
Earn 30,000 points when you spend $3,000 on purchases in your first 3 months. Plus, up to 30,000 additional points by earning 2x in the first 6 months on purchases that normally earn 1x, on up to $15,000 spent.
Earn 140,000 points after spending $3,000 on purchases in the first 3 months. Plus, earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts in the first 12 months.
Annual fee of $99
$5,000 per person, $10,000 per trip
The Best Amex Cards for Trip Cancellation and Trip Interruption Insurance
Amex offers trip cancellation and trip interruption insurance on several of its premium cards.
You could receive a benefit of up to $10,000 per trip and a maximum of $20,000 per account per 12-month period for a covered loss.
Let’s look at which cards now offer this valuable coverage.
American Express Trip Cancellation and Trip Interruption Insurance Coverage Details
Amex trip cancellation coverage provides for the reimbursement of non-refundable expenses paid to the travel provider when a covered loss causes the cancellation of your trip.
Examples of potential covered losses causing you to cancel your trip would be illness, weather, jury duty, or a change in military orders.
Trip interruption coverage also reimburses for non-refundable expenses paid to the travel provider, plus it can also provide reimbursement for additional eligible transportation expenses.
Who Is Covered?
You, your family, and your traveling companions are covered when the eligible trip has been purchased with your card. Family is defined as a spouse, domestic partner, or unmarried dependent child up to age 19 (age 26 if full-time college/university student).
Conditions for Valid Coverage
For coverage to be active, you must adhere to the following:
Pay for your common carrier trip in full with your eligible American Express card or in combination with points accumulated on the card, frequent flyer miles, vouchers, or coupons
The trip must be somewhere other than your place of residence
The trip cannot exceed 365 days in length
The period of travel can consist of round-trip, one-way, or combinations of the 2
How To File a Claim With Amex
The trip cancellation and trip interruption insurance on your applicable American Express card is secondary to any other travel insurance that may apply. For this reason, you’ll want to contact and file a claim with any existing insurance company first before filing a claim with American Express.
You must notify the claims administrator within 60 days of the incident and provide the following:
Copies of your common carrier ticket and travel supplier receipts
Billing statement for your card showing the trip charges
Documentation showing proof of the loss
A copy of the travel supplier’s cancellation policy
Other documentation requested by the claim administrator
You will have 180 days from the date of the loss to submit the required information.
Bottom Line: American Express offers trip cancellation, trip interruption, and trip delay coverage for eligible trips paid for with several of its premium cards.
The Best Capital One Card for Trip Cancellation and Trip Interruption Insurance
Capital One has a robust array of rewards credit cards but one of the best for trip cancellation and trip interruption insurance is the Capital One Venture X Rewards Credit Card.
Capital One Venture X Rewards Credit Card
Capital One offers trip cancellation and trip interruption insurance that provides peace of mind to your itinerary.
Capital One Trip Cancellation and Trip Interruption Insurance Details
Trip cancellation and trip interruption coverage provide for reimbursement of non-refundable common carrier tickets that have been canceled or interrupted as a result of or caused by, the following events:
Accidental bodily injury of you or an eligible family member
Death, disease, or physical illness of you or an eligible family member
Default due to financial insolvency of the common carrier
There are also many exclusions to coverage such as pre-existing conditions, illegal drug use, traveling against the advice of a physician, emotional trauma, and more.
Who Is Covered?
You, your spouse, your domestic partner, and your dependent children are eligible for coverage.
Conditions for Valid Capital One Coverage
Use your eligible card or associated rewards associated with your account to charge the entire cost of the trip. You may also use redeemable certificates, vouchers, or coupons in combination with your card to pay for the trip.
How To File a Claim With Capital One
You must report a claim to Capital One within 20 days of the event or “as soon as reasonably possible.” Report the claim by calling 800-825-4062 within the U.S. or calling 804-965-8071 when outside of the U.S.
Once the claims administrator has received your notice, you will be sent claims forms to be completed within 15 days. This can also be done online.
Documentation You May Need To Provide
Copy of your Capital One monthly billing statement showing the ticket purchase
Documentation if more than 1 payment method was used
Confirmation of the non-refundable amounts and cancellation from the carrier
Copy of the travel itinerary with traveler’s names
Reason for trip cancellation and supporting documentation such as a doctor’s report
A copy of the cancellation policy of the travel provider
Keep in mind that coverage is secondary to any compensation issued by the airline.
However, if you receive a trip credit for the entire amount of the ticket, you may be eligible for any change fees you are required to pay. And if you do not use an issued voucher by the expiration date, you could also receive reimbursement once it expires.
Bottom Line: The Capital One Venture X card comes with trip cancellation and trip interruption insurance.
The Best Chase Credit Cards for Trip Cancellation and Trip Interruption Insurance
Chase is a standout when it comes to overall travel insurance coverage, specifically trip cancellation and trip interruption insurance. The issuer offers several cards with these valuable benefits.
Expect to receive the following benefit compensation levels for a covered travel incident, from these Chase credit cards:
Chase Sapphire Preferred® Card
If your trip is canceled for a covered reason, you or a covered immediate family member could be reimbursed for the non-refundable amount of your trip. The limit for each coverage is $10,000 per person.
The maximum benefit under each separate coverage for trip cancellation and trip interruption is $20,000 per incident and $40,000 per 12-month period.
Hot Tip: For more about the Chase Sapphire Preferred card’s travel insurance, explore our in-depth guide.
Ink Business Preferred® Credit Card
If a covered event causes your trip to be canceled or interrupted, you can expect to receive up to $5,000 per person, a maximum of $10,000 per occurrence, and no more than $20,000 total for a 12-month period.
Chase Sapphire Reserve®
If your trip needs to be canceled or becomes interrupted due to a covered event, you could receive up to $10,000 per person, $20,000 per trip, up to $40,000 maximum within a 12-month period.
For more information, check out our complete guide to the Chase Sapphire Reserve card’s travel insurance benefits.
United Club℠ Infinite Card
Receive up to $10,000 per person, up to a maximum of $20,000 per trip, for non-refundable travel expenses made with your United Club Infinite card.
The World of Hyatt Credit Card
Coverage of up to $5,000 is provided per trip for non-recoverable travel expenses due to a covered loss.
IHG One Rewards Premier Credit Card
You could receive up to $5,000 per person, $10,000 per trip, reimbursement for prepaid, non-refundable travel expenses.
Chase Trip Cancellation and Trip Interruption Insurance Coverage Details
Who Is Covered?
You and your immediate family are covered for trip cancellation and trip interruption when even a portion of your trip is paid for with your qualifying card. You can also use Chase Ultimate Rewards points or a combination of paying with your card and points to receive coverage.
Chase has a broad definition of “immediate family.” The definition includes:
Spouse
Domestic partner
Children (including adopted children and step-children)
Legal guardians or wards
Siblings or siblings-in-law
Parents or parents-in-law
Grandparents
Grandchildren
Nieces and nephews
Aunts and uncles
You also do not need to be traveling with your family members for coverage to be valid. You must, however, have paid for a portion of the trip with your qualifying Chase card or Ultimate Rewards points.
Bottom Line: Coverage limits vary but the definition of a covered loss, which situations are excluded, and who is eligible for coverage are consistent across these Chase credit cards.
Conditions for Valid Chase Coverage
The trip must be paid for with your eligible Chase card and/or points redeemed with a Chase card
The trip destination must be more than 1 mile from home for coverage
The trip cannot exceed 60 days in duration
How To File a Claim With Chase
Most trip cancellation and trip interruption insurance are in excess over other coverage you might have, whether from a separate travel insurance policy you purchased or from compensation you received directly from the common carrier.
For example, if an airline pays for your hotel room, transport to the hotel, and meals due to a flight cancellation, your credit card coverage is only going to cover reimbursement for eligible expenses you incurred above what the carrier provided or for which they reimbursed you.
For this reason, some of the documentation you’ll need to submit will need to come from the common carrier. It’s best to be informed upfront, before you travel, of what may be required should you need to file a claim.
Call the benefits administrator as soon as you are aware of the trip cancellation or interruption. The administrator will take down the basic information and send you a claim form to complete.
Documentation You May Need To Provide
Your completed claim form
A copy of your travel itinerary
Documentation of the reason for the trip cancellation or interruption
Medical documents supporting a covered loss
Copy of your credit card statement showing the charges for prepaid travel expenses
Proof of other eligible expenses
Copy of the carrier’s or travel provider’s refund or cancellation policy
You have 90 days to provide loss documentation but the deadline can be extended to 1 year if there is a valid reason the documentation could not be obtained within the 90-day period.
Chase states that it will pay the claim within 60 days after they have received all of the required documentation.
Additional Credit Cards With Trip Cancellation and Trip Interruption Insurance
While coverage varies widely, several other credit cards offer trip cancellation and trip interruption coverage.
AAdvantage® Aviator® Red World Elite Mastercard® — up to $1,500 for common carrier purchased fares
United℠ Explorer Card — up to $1,500 in coverage per person, up to a maximum of $6,000 per trip
Visa Infinite cards — up to $2,000 reimbursement per trip for non-refundable eligible expenses
Other Trip Protections and Benefits You Can Use
There are other travel protections and benefits that can save you money or provide assurance during your trip. Look for these protections and benefits on your current rewards credit card or one you’re considering.
Note that these are general, abbreviated descriptions of complimentary protections or benefits that may come with your card. Coverage varies widely so you’ll want to check the card’s “Guide to Benefits” for limits, terms, and conditions.
Get reimbursed for incidentals if your luggage is delayed or for damage/theft of your bags.
Emergency Evacuation Coverage
Premium travel rewards cards such as the Amex Platinum card, Chase Sapphire Reserve card, and United Club Infinite card have coverage for emergency evacuation transportation services.
Receive up to $2,500 reimbursement for emergency medical and dental with the Chase Sapphire Reserve card.
Bottom Line: Trip cancellation and trip interruption are 2 of the most valuable trip protections that come complimentary on several travel rewards cards. However, there are other travel benefits including rental car insurance, baggage insurance, emergency evacuation, and trip delay coverage that can be equally as useful. Try to select a card that has a package of trip benefits you find valuable.
Final Thoughts
Trip cancellation and trip interruption coverage can provide sufficient no-cost insurance to cover your trip. If you’re planning a complicated, expensive, or lengthy trip, however, you should consider purchasing a separate, more comprehensive travel insurance policy.
Also, note that trip cancellation and interruption coverages generally do not include any medical coverage and may have lower limits than you need to cover the entire cost of your trip. Review your card’s coverage in advance and if it is sufficient, you’re good to go. If not, you’ll want to buy extra coverage to fill in the gaps.
Fortunately, trip cancellation and interruption protection, while one of the most valuable benefits, is just one of many travel perks you’ll find on the best travel rewards cards.
If you travel frequently, a travel rewards card that offers complimentary trip protections and benefits should be on your shortlist of cards to consider.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the trip cancellation and interruption insurance benefit of The Platinum Card® from American Express, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, Hilton Honors American Express Aspire Card, and Marriott Bonvoy Brilliant® American Express® Card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the Trip Cancellation and Interruption Insurance benefit of The Platinum Card® from American Express, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, and Marriott Bonvoy Brilliant® American Express® Card, when an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the AAdvantage® Aviator® Red World Elite Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of Delta SkyMiles® Reserve American Express Card, click here. For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here. For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
While you might not select a credit card for trip cancellation and trip interruption coverage alone, some of the best credit cards for this coverage would be any premium cards issued by American Express or Chase. These cards include the Amex Platinum card, Chase Sapphire Preferred card, or Chase Sapphire Reserve card that offer up to $10,000 per occurrence.
The best credit card for you overall, however, will depend on your spending priorities, if you choose to pay an annual fee, how you wish to redeem your earned points (or miles), and which benefits are most important to you.
There are several ways to find out if your credit card has trip cancellation, trip interruption, or other travel insurance.
The easiest way is to call the number on the back of your credit card. You can also log in to your online credit card account and under “Benefits” you may see the listed coverage. While you’re logged in, access your Guide to Benefits for detailed information about all the coverages on your card.
In addition, you can order a copy of your Guide to Benefits to be sent to you by calling the number on the back of your card or visiting your online account.
You may. The trip insurance that comes complimentary with your credit card is not meant to replace a comprehensive travel insurance policy.
Although the coverage that comes on your card may be sufficient for a specific trip, it may fall short for other trips you have planned. If you have an expensive, complex trip that spans an extensive length of time, for example, you’ll likely want to purchase additional coverage.
It’s best to review your guide to benefits or call the benefits administrator to clarify the coverage on your card and then decide if it meets your travel insurance needs.
Yes, you will be covered if you pay for your trip or a portion of your trip, with your qualifying card, Ultimate Rewards points, or a combination of the 2.
In addition, your immediate family is covered if even a portion of their trip is purchased with your qualifying card. You do not have to be traveling with them in order for them to have coverage.
Trip insurance that comes with credit cards can be extremely useful. It is a complimentary benefit, so you won’t be paying extra for the coverage.
Trip cancellation and trip interruption insurance that comes on a credit card is not meant to take the place of a travel insurance policy you would purchase separately, but it may offer enough coverage to potentially save you from purchasing a separate policy for your trip.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
10 comments
Miles
August 02, 2019
Thank you Christine for this excellent summary of the travel benefits that many of us already have. I need to start paying the taxes for award travel with my United Explorer card in order to get those protections.
Thank you for reading and for your kind words, Miles. Glad you found the information useful.
Iggy
January 03, 2020
Thank you for the great overview Christine. I had an airline that cancelled a flight to Asheville, NC due to weather. No other airline cancelled flights there, but we were unable to get on another flight and this means that my return flight (separate ticket, separate airline) is useless. Can I cancel this flight and expect my Sapphire Reserve insurance policy to cover me?
Hi Iggy and thanks for your comment. A canceled flight is always frustrating and especially so when you have another (separate) ticket involved. I would just call the number on the back of your card and ask for the claim administrator. That way, you can give them all of the details and they can give you direction on what to do. That would be much more helpful than my opinion. However, depending on whether you have status with the other airline (separate return ticket), you might be able to explain the situation and ask for them to waive the change fee. You could then use the credit at a later date. I have had success with that, more than once. Thanks again for reading, Iggy.
Sandra Goodman
April 21, 2020
Found out our credit cards did not have the coverage. Was not going to pay for travel insurance, so we took a chance on TG card and it went well. But don’t want this to happen again.
Don’t want to pay a lot for a credit card but we have great credit!
Sembu
October 30, 2020
I had booked two air tickets of Oman Airways through an agent during Feb 2020 for travel from Bangalore to Manchester during March 2020 but the flight was canceled by the Airlines due to Corona. My ticket rules stipulate that if canceled no refund will be given implying that if canceled by me. But the flight was canceled by the Airlines and we could not travel. The agent now says that the refund to all the passengers affected due to cancellation by Airlines will start only after 12 months of issued date though initially, they said the refund will be issued after 3 to 6 months. Are we eligible for the compensation or not? Please clarify.
Though we do not represent Oman Airways, the answer to your question is yes – if the airline cancels your ticket then you are entitled to a refund of the fare you paid.
Hello Sembu. Trip cancellation insurance that comes with your credit card does not cover COVID-19 related canceled flight events. Regarding your situation specifically, whether you are entitled to a refund depends on the airline’s policy and each airline handles these cancellations differently. Some airlines will refund tickets with flights that were canceled by the airline, some will not. I visited the Oman Airways website and did not see an official Covid-19 policy regarding flight cancellations. (Normally an agent will have to adhere to any policy the airline has published.) Unfortunately, you will have to work through your agent to continue to attempt to secure a refund. It may help to ask the agent to submit a formal refund request on your behalf to Oman Airways if they haven’t yet done so. Be persistent.
Yanina
July 14, 2021
I have an AAdvantage® Aviator® Red World Elite Mastercard®. My flight was canceled from AA and when I call Mastercard to find out about my coverage, they answered that I have none. Call Chase, call Mastercard. Anyway, I have no coverage from the insurance that was supposed to have been included when I paid the annual fee. Is there anything I can do about it? Thanks.
Hi Yanina. Sorry for your frustration. There are very limited covered events that fall under the trip interruption/cancelation coverage on your card. I would refer to your Guide to Benefits for the coverage descriptions. American Airlines canceling a flight does not appear to be a covered event for card coverage but even if covered, it would be secondary to anything offered by AA. I would reach out to AA if you had incurred any extra expenses due to the cancellation.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
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10 comments
Miles
August 02, 2019
Thank you Christine for this excellent summary of the travel benefits that many of us already have. I need to start paying the taxes for award travel with my United Explorer card in order to get those protections.
Christine Krzyszton
August 02, 2019
Thank you for reading and for your kind words, Miles. Glad you found the information useful.
Iggy
January 03, 2020
Thank you for the great overview Christine. I had an airline that cancelled a flight to Asheville, NC due to weather. No other airline cancelled flights there, but we were unable to get on another flight and this means that my return flight (separate ticket, separate airline) is useless. Can I cancel this flight and expect my Sapphire Reserve insurance policy to cover me?
Christine Krzyszton
January 04, 2020
Hi Iggy and thanks for your comment. A canceled flight is always frustrating and especially so when you have another (separate) ticket involved. I would just call the number on the back of your card and ask for the claim administrator. That way, you can give them all of the details and they can give you direction on what to do. That would be much more helpful than my opinion. However, depending on whether you have status with the other airline (separate return ticket), you might be able to explain the situation and ask for them to waive the change fee. You could then use the credit at a later date. I have had success with that, more than once. Thanks again for reading, Iggy.
Sandra Goodman
April 21, 2020
Found out our credit cards did not have the coverage. Was not going to pay for travel insurance, so we took a chance on TG card and it went well. But don’t want this to happen again.
Don’t want to pay a lot for a credit card but we have great credit!
Sembu
October 30, 2020
I had booked two air tickets of Oman Airways through an agent during Feb 2020 for travel from Bangalore to Manchester during March 2020 but the flight was canceled by the Airlines due to Corona. My ticket rules stipulate that if canceled no refund will be given implying that if canceled by me. But the flight was canceled by the Airlines and we could not travel. The agent now says that the refund to all the passengers affected due to cancellation by Airlines will start only after 12 months of issued date though initially, they said the refund will be issued after 3 to 6 months. Are we eligible for the compensation or not? Please clarify.
Jarrod West
October 30, 2020
Hi Sembu,
Though we do not represent Oman Airways, the answer to your question is yes – if the airline cancels your ticket then you are entitled to a refund of the fare you paid.
Christine Krzyszton
October 30, 2020
Hello Sembu. Trip cancellation insurance that comes with your credit card does not cover COVID-19 related canceled flight events. Regarding your situation specifically, whether you are entitled to a refund depends on the airline’s policy and each airline handles these cancellations differently. Some airlines will refund tickets with flights that were canceled by the airline, some will not. I visited the Oman Airways website and did not see an official Covid-19 policy regarding flight cancellations. (Normally an agent will have to adhere to any policy the airline has published.) Unfortunately, you will have to work through your agent to continue to attempt to secure a refund. It may help to ask the agent to submit a formal refund request on your behalf to Oman Airways if they haven’t yet done so. Be persistent.
Yanina
July 14, 2021
I have an AAdvantage® Aviator® Red World Elite Mastercard®. My flight was canceled from AA and when I call Mastercard to find out about my coverage, they answered that I have none. Call Chase, call Mastercard. Anyway, I have no coverage from the insurance that was supposed to have been included when I paid the annual fee. Is there anything I can do about it? Thanks.
Christine Krzyszton
July 14, 2021
Hi Yanina. Sorry for your frustration. There are very limited covered events that fall under the trip interruption/cancelation coverage on your card. I would refer to your Guide to Benefits for the coverage descriptions. American Airlines canceling a flight does not appear to be a covered event for card coverage but even if covered, it would be secondary to anything offered by AA. I would reach out to AA if you had incurred any extra expenses due to the cancellation.
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