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Survive Winter Snowstorms in Style with Your Premium Credit Card

Thanks to trip delay protection you may be eligible for reimbursements incurred due to travel delays from inclement weather.

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Survive Winter Snowstorms in Style with Your Premium Credit Card
Survive Winter Snowstorms in Style with Your Premium Credit Card
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It’s not even officially winter, but snowstorm season has begun—in a big way! The major pre-winter storm that swept through the lower Midwest and the Northeast in mid-November equated to airport chaos. According to FlightAware.com, on November 15, 2018, alone, there were more than 8,000 flight delays and more than 1,900 cancellations in the United States.

It’s never fun to deal with these situations, but your premium credit card may be able to soften the blow—well, the financial blow at least. Thanks to implicit trip delay protection, when charging common carrier travel (airline, bus, cruise ship, train) on specific credit cards, you won’t be responsible for certain expenses incurred during delays from inclement weather. These expenses include lodging, ground transportation, meals, and necessities such as toiletries and medications.

So next time a snowstorm strikes, do not feel restricted to eating bad airport food with a measly meal voucher or staying at a mediocre hotel assigned by your airline or camping out on the airport floor. Yes, with the right card you and your family can Uber or Lyft to a nice hotel (without having to share rooms), enjoy a great meal, and lessen the grief of travel delays.

You’ll have to pay out-of-pocket at first, but you can then submit for reimbursement through your respective card. Before fronting that money, find out here what you can expect from your premium credit card when you are delayed by a winter snow storm.

American Express Platinum and Gold Cards

Thanks to reviewing our cards in alphabetical order, we’ll be getting the bad news over with first. When you charge your trip’s entire common carrier fare to any American Express card or use Membership Rewards® points to book travel, you are NOT automatically covered for Trip Delay Protection.

Chase Sapphire Preferred® and Chase Sapphire Reserve®

When you charge your trip’s entire common carrier fare to your Chase Sapphire Preferred Card or Chase Sapphire Reserve Card, or use Ultimate Rewards points to book travel, you are automatically covered for Trip Delay Reimbursement.

For the Preferred card, the delay must be more than 12 hours or requiring an overnight stay for the insurance to kick in. For the Reserve card, it’s half that—six hours—or requiring an overnight stay. In both cases, coverage is provided up to $500 per ticket/passenger Coverage extends to the cardholder, cardholder’s spouse or domestic partner, and dependent children under age 22.

Citi Prestige® Card

When you charge your trip’s entire common carrier fare to your Citi Prestige Card or use ThankYou® Points to book travel, you are automatically covered for Trip Delay Reimbursement.

The delay must be more than six hours for the insurance to kick in. Coverage is provided up to $500 per ticket/passenger. Coverage extends to the Cardholder and cardholder’s family members, including extended family members (the Cardholder’s children, spouse, fiancée, domestic partner, and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; sons-in-law or daughters-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews).

Luxury Cards: Mastercard® Black Card™, Mastercard® Gold Card™, Mastercard® Titanium Card™

When you charge your trip’s entire common carrier fare to your Luxury card or use the card for partial travel purchases (after coupons, vouchers, or discounts from frequent flier programs), you are automatically covered for Trip Delay Reimbursement.

The delay must be more than six hours for the insurance to kick in. Coverage is provided up to $300 per trip, not per ticket/passenger (read: prepare to share hotel rooms!). Also, coverage is limited to two claims per 12-month period. The cardholder and any travel companions on the same itinerary are covered under the policy.

U.S. Bank Altitude Reserve Visa Infinite® Card

When you charge your trip’s entire common carrier fare to your U.S. Bank Altitude Reserve Visa Infinite Card or use the card’s reward points to book travel, you are automatically covered for Trip Delay Reimbursement.

The delay must be more than six hours or require an overnight stay to kick in. Coverage is provided up to $500 per ticket and extends to the cardholder, cardholder’s spouse or domestic partner, and dependent children under age 22.

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Award-winning travel writer and economist Paul Rubio is a credit card enthusiast, whose sophisticated use of points and rewards has helped him travel to 125 countries for free. Paul is a Harvard graduate with a master’s degree in public administration and a master’s degree in economics. He also holds a bachelor’s degree from Boston University with a double major in economics and environmental policy and a minor in conservation biology. He attended both undergraduate and graduate schools on full scholarships. Paul worked in the field of wildlife conservation before embracing his writing talents full-time in 2008. Since then, he has won more than two dozen national awards for his exemplary work in travel journalism. The prolific writer contributes to a number of top-tier international, national, and regional publications including Condé Nast Traveler, Fodors.com, Palm Beach Illustrated, Private Clubs, and Robb Report.