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攻略 | 航班取消延误如何巧用信用卡福利报销

&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p class&equals;"has-large-font-size"><strong>【写在前面的话】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>去年10月去墨西哥Los Cabos玩的时候经历了飓风,并关在酒店里,还住了一晚ballroom改的shelter&&num;8230&semi;回程的飞机根本飞不了,只能改了机票,不过因此不得不多住了一晚四五百美金的希尔顿resort(真的是没得选,飓风在都没法换酒店)&&num;8230&semi;用信用卡报销完美解决了费用<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>带年费的travel类信用卡一般都有这个福利,包括chase&sol;citi&sol;boa等,不过a<mark style&equals;"background-color&colon;rgba&lpar;0&comma; 0&comma; 0&comma; 0&rpar;&semi;color&colon;&num;ff0000" class&equals;"has-inline-color">mex除了白金卡一般没有哦<&sol;mark>,这个要注意!另外,<mark style&equals;"background-color&colon;rgba&lpar;0&comma; 0&comma; 0&comma; 0&rpar;&semi;color&colon;&num;ff0000" class&equals;"has-inline-color">里程票也是cover<&sol;mark>的,只要你是用有这个福利信用卡支付了tax;我们i这次的机票就是里程票哈。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>我们走的是chase,我个人出门订机票最喜欢用chase卡,它家travel cancellation&sol;interruption&sol;delay protection benefits整个报销非常流程,以前住在东北部经常用,这几年住在德州还是第一次用上。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>我个人推荐的是chase家的csp和csr,会放在最后面说,这篇攻略先说报销流程。<br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p class&equals;"has-large-font-size"><strong>【福利细节了解】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>其实相关的福利一共有三条:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>travel cancellation&sol;interruption&nbsp&semi;protection<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>travel delay&nbsp&semi;protection<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>bag delay&nbsp&semi;protection<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>这里以travel cancellation&sol;interruption&nbsp&semi;protection为例,划一些重点<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><mark style&equals;"background-color&colon;rgba&lpar;0&comma; 0&comma; 0&comma; 0&rpar;&semi;color&colon;&num;ff0000" class&equals;"has-inline-color">1&period; 保险涵盖赔付的原因包括生病、极端天气等 <&sol;mark>&&num;8211&semi; 这些都是航空公司不负责的;航空公司负责一般是因为维修、staff来不及到岗这些原因。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-large is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-62-1024x248&period;png" alt&equals;"" class&equals;"wp-image-43159" style&equals;"width&colon;615px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>2&period; 受保人不仅可以是持卡人,<mark style&equals;"background-color&colon;rgba&lpar;0&comma; 0&comma; 0&comma; 0&rpar;&semi;color&colon;&num;ff0000" class&equals;"has-inline-color">持卡人的家人也可以(你不需要同行<&sol;mark>)。我用到的2-3次就是给老公和婆婆买机票,都是cover的。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-large is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-63-1024x211&period;png" alt&equals;"" class&equals;"wp-image-43160" style&equals;"width&colon;616px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>3&period; 赔偿金额(信用卡以及具体哪个protection会有区别,我这里截图的是csp)<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-large is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-64-1024x505&period;png" alt&equals;"" class&equals;"wp-image-43161" style&equals;"width&colon;615px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>如果是delay的划只有&dollar;500:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-65&period;png" alt&equals;"" class&equals;"wp-image-43162" style&equals;"width&colon;623px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>4&period; 行程的延取消发生的时候需要20天内(延误险是60天内)联系客服准备申请损失的赔付<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-large"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-66-1024x279&period;png" alt&equals;"" class&equals;"wp-image-43163"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>5&period; 赔偿的消费涵盖很广,酒店、吃饭、租车,甚至有人买了衣服和比较贵的洗漱用品、睡衣,你只要能justify就行。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-67&period;png" alt&equals;"" class&equals;"wp-image-43164" style&equals;"width&colon;506px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p class&equals;"has-large-font-size"><strong>【申请赔付的流程】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ol class&equals;"wp-block-list">&NewLine;<li><strong><mark style&equals;"background-color&colon;rgba&lpar;0&comma; 0&comma; 0&comma; 0&rpar;&semi;color&colon;&num;ff0000" class&equals;"has-inline-color">给客服打电话<&sol;mark>。<&sol;strong>联系方式就在信用卡背面,csr和csp都是有自己的专属客服的,一打就能接通。没带卡的话,就google客服电话,网上都有。<br><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><mark style&equals;"background-color&colon;rgba&lpar;0&comma; 0&comma; 0&comma; 0&rpar;&semi;color&colon;&num;ff0000" class&equals;"has-inline-color">网络提交材料<&sol;mark><&sol;strong>他们会给你这个网址:<a href&equals;"https&colon;&sol;&sol;www&period;eclaimsline&period;com&sol;new-claim">https&colon;&sol;&sol;www&period;eclaimsline&period;com&sol;new-claim<&sol;a> 是第三方公司,很多银行估计都用。需要提供一些个人信息,和这次旅行的一些材料,比如receipts。<br><&sol;li>&NewLine;<&sol;ol>&NewLine;&NewLine;&NewLine;&NewLine;<p>比较麻烦的就是要一个carrier statement。这个需要在航空公司的customer care 上面report。我们前段时间飞不了的是美联航,直接有网站可以要:<a href&equals;"https&colon;&sol;&sol;www&period;united&period;com&sol;en&sol;us&sol;customercare">https&colon;&sol;&sol;www&period;united&period;com&sol;en&sol;us&sol;customercare<&sol;a><br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>另外收据方面会有一些细节要求,大家要看清楚条款,比如chase要求吃饭如果一顿超过&dollar;50,需要提供itemized receipt:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-68&period;png" alt&equals;"" class&equals;"wp-image-43166" style&equals;"width&colon;401px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><br>顺带发一下航空公司的飞行延误&sol;取消证明大概是这个样子:<br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2024&sol;03&sol;image-69&period;png" alt&equals;"" class&equals;"wp-image-43167" style&equals;"width&colon;462px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p class&equals;"has-large-font-size"><strong>【等待赔付】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>官方好像没有说具体多久,benefits手册只说了提供了材料以后超过60天没有更新再联系。但实际上我们是提交完以后当天就收到赔付的credits了&&num;8230&semi;真的是神速<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p class&equals;"has-large-font-size"><strong>【信用卡介绍】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>前面提到了,我自己比较喜欢chase家,尤其chase csr&sol;csp两张卡,赔付起来很爽快,也都有专人接待。这两张卡之前都介绍过:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这两张卡申请链接:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650460817&amp&semi;idx&equals;1&amp&semi;sn&equals;cc4f942f4b7bfba5bae91ad416776839&amp&semi;chksm&equals;88f4cd8bbf83449d4187708259a6e9ed949f7450d91fce46e9bd7005e732902f3efdabb209fc&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">信用卡推荐 &vert; CSR福利升级,近期史高奖励到月底结束<&sol;a><br><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650461825&amp&semi;idx&equals;1&amp&semi;sn&equals;59ac3ef0fc40ec23678f020804fe004a&amp&semi;chksm&equals;88f4c99bbf83408d859ee784299ff1f30245f29a8e96da065ae3745157da073a7ca9b8401f15&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">确认25号截止!神卡Chase Sapphire Preferred开卡奖励升级到80k点啦!!<&sol;a><&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>这两张卡申请链接:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>CSR(点击左下角&OpenCurlyDoubleQuote;阅读全文”获取链接): <a href&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;link&sol;chasesapphirereserve">https&colon;&sol;&sol;travelwithless&period;net&sol;link&sol;chasesapphirereserve<&sol;a><br><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>CSP:<a href&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;link&sol;chase-sapphire-preferred-application">https&colon;&sol;&sol;travelwithless&period;net&sol;link&sol;chase-sapphire-preferred-application<&sol;a><&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>都不是史高,有刚需的可以考虑上。chaseå®¶48个月可以churn,我家3-4个人,是轮流安排,差不多每1-2年有一个人可以拿一次奖励。<&sol;p>&NewLine;

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