Our American Airways flight delay become a nightmare. What are we owed?  

Editor’s word: Readers and members of our Fb Lounge ceaselessly write to us for assist when issues go unsuitable with their journey. That is why The Factors Man has requested Michelle Sofa-Friedman to behave as our ombudsman and assist members of the TPG group out when doable.

For those who’ve had a state of affairs the place one thing has gone unsuitable along with your travels or certainly one of your bank cards and you aren’t getting a response from the corporate accountable, Michelle may also help you contact it and probably attain a passable decision. She brings many years of expertise advocating for customers to her work with TPG and has already helped readers get 1000’s of {dollars}’ price of restitution.

Want her assist? Write to along with your state of affairs and, within the instances the place she could be of assist, we are going to do our greatest to funnel your question to her.

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An American Airways flight delay just lately set off a series of occasions that plunged Brett Smith right into a journey nightmare.

After an prolonged weekend getaway to the Cayman Islands, Smith and his pregnant spouse had been trying ahead to getting residence to the U.S. However a minor two-hour delay by some means ended with American Airways flying the couple to a 3rd nation as an alternative.

That delay and subsequent flight diversion triggered the couple to incur over $1,500 in bills. Now Smith desires American Airways to pay up – and he hopes TPG may also help make that occur.

However what does American Airways actually owe the couple? The reply would possibly shock you.

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A flight delay notification

In June, Smith and his spouse set off for a brief trip to the Cayman Islands. The journey was meant to be a calming getaway earlier than their child’s arrival. After a number of days of tropical solar, meals and drinks, it was time for the couple to go residence.

“American Airways despatched us a notification of a two-hour flight delay,” Smith recollects. “That was annoying however not an enormous downside.”

However hassle was on the horizon.

Shock! You are within the Bahamas 

After the two-hour delay, the couple boarded the aircraft, and the pilot introduced they’d be touchdown in Florida shortly. That modified throughout the flight.

“At first, the pilot introduced that unhealthy climate was inflicting us to be diverted to West Palm [Beach] (as an alternative of Miami),” Smith says. “However after we landed, we discovered we weren’t even in america!”

The American Airways flight had been diverted to Nassau, within the Bahamas, to refuel. Initially, the crew knowledgeable the passengers that the plane can be able to go after refueling. That completed up quickly sufficient — however whereas the jet was able to resume flying, the pilot wasn’t.

“After ready for the refueling to be full, we thought we might be on our manner,” Smith explains. “However then the crew instructed us the pilot had timed out. He wasn’t going to fly us residence in any case.”

And with that, Smith says the pilot stepped out of the cockpit and left the aircraft.

Then issues began to get messy. Not one of the passengers aboard the plane was permitted for the pandemic-related entry necessities for the Bahamas, together with Smith and his spouse.

An unplanned in a single day keep

When the passengers had been lastly offloaded, the airport was largely closed. There have been few workers at customs, and there was just about no American Airways employees to assist.

There we had been, stranded within the Bahamas. After hours in customs, it was one other hour to gather our luggage. Then we stood in line for one more hour to obtain a lodge and transportation voucher from an American Airways worker. We regarded up the lodge (Breezes), and the opinions mentioned it had mould and was soiled. I didn’t need to take my pregnant, asthmatic spouse there.

After reviewing the Breezes web site, Smith was sure it wasn’t for them. There, he noticed the announcement that the lodge “welcomes teams of spring breakers and graduates” and it listed confirmed dates of these scholar vacationers. The discover went on to advise potential visitors to plan their journey “exterior of the conventional nationwide spring break and commencement season” to keep away from such crowds.

Passengers deplaned the American Airways flight at an surprising cease in Nassau, Bahamas, to a largely empty airport. MELISSA ALCENA/BLOOMBERG/GETTY IMAGES

A scholar vacationers alert

The date was June 1 and Breezes listed it as a kind of dates to skip if you happen to aren’t right into a spring break vibe. Smith and his pregnant spouse simply wished a couple of hours of relaxation and peace and quiet. This description from the lodge gave the impression of the alternative of what they hoped to expertise.

Drained after the lengthy day of journey, and admittedly having not spent an excessive amount of time researching different choices, the couple booked a room on the Atlantis Royal Towers. The last-minute reservation got here at a premium price of $667.

Because it seems, the selection to dodge Breezes doubtless saved the couple from a further disagreeable part to their journey nightmare.

“Arriving again on the airport at 6 a.m. like American Airways instructed, we talked to different passengers,” Smith says. “All of them mentioned that Breezes was very moldy and uninhabitable, similar to a low-budget spring break lodge.”

The lacking crew 

The pissed off vacationers had all reassembled, however the American Airways crew had not returned.

Smith, his spouse and the opposite passengers stood round with out directions for 4 hours. At 10 a.m., airport employees directed the group to a different terminal the place their plane was situated.

“At 11:30 a.m., the American Airways crew confirmed up,” Smith experiences. “We boarded the aircraft and at last took off at 1 p.m.”

Given the occasions of the previous 24 hours, the passengers weren’t totally satisfied that the aircraft would really land in Miami.

The ultimate, costly stretch

Inside an hour, the waylaid vacationers had been relieved to reach at their supposed vacation spot. However for Smith and his spouse, the ordeal dragged on for one more 12 hours.

As a result of there have been no accessible flights from Miami to their hometown of Austin, Texas, they had been as an alternative provided a flight to San Antonio after a seven-hour layover in Miami. From there, they took a $300 Uber trip again to their automobile in Austin.

Lastly, 40 hours after the couple initially supposed to get again, they walked via the entrance door of their residence, exhausted by the expertise.

Now, who’s going to pay?

Smith quickly penned a compensation request to American Airways. When he gathered all of the receipts for meals, taxis, Ubers, further days of parking, the lodge, and different incidentals, he was shocked by the prices of the 40-hour delay – over $1,500.

“That didn’t even cowl my missed day of labor,” Smith laments. “I hoped American Airways would reimburse us for all the pieces.”

That turned out to be an unrealistic expectation.

What do federal guidelines say?

Smith was about to seek out out that, in accordance with American Airways’ contract of carriage and the federal Division of Transportation, he was owed just about nothing for the delay.

Within the case of an prolonged delay or cancellation, the DOT says the airline should solely do certainly one of two issues for its passengers:

  • Both put the passenger on the following accessible flight by itself fleet. This substitution could be hours and even days later. The DOT would not outline a required timeframe.
  • Or, present a refund to the passenger in order that the traveler can discover their very own transportation onward.

In america, no rules compel an airline to supply compensation for a passenger’s inconvenience, missed occasions, lodges or meals.

When American Airways declined Smith’s request for compensation and as an alternative despatched him a regular apology and a proposal of 12,500 bonus miles, Smith was unwilling to just accept this “decision.”

That is when he despatched his request for assist to the TPG workforce, and it quickly landed on my desk.

How your journey bank card can defend you

Chase Sapphire Reserve journey delay safety can present as much as $500 in reimbursement per ticket for bills throughout an airline delay. WYATT SMITH/THE POINTS GUY

Throughout my a few years as a shopper advocate, I’ve acquired tons of — possibly even 1000’s — of pleas for assist from passengers who anticipate airways to pay up when a delay or cancellation has inconvenienced them. Many, if not most, of those vacationers are shocked to find that airways is not going to present the reimbursement they anticipate for missed days of labor, nonrefundable lodge nights and different bills.

I knew Smith’s request to American Airways was doubtless a misplaced trigger. Nonetheless, after I learn via his total grievance, I used to be joyful to see one element that I knew was the brilliant spot in his terrible story.

Smith had not bought journey insurance coverage for this journey — one thing that may have doubtless coated a lot of the bills he was requesting from American Airways. Nonetheless, the couple had paid for his or her airline tickets with Smith’s Chase Sapphire Reserve and it supplies journey delay safety.

Though they weren’t conscious of it, the couple had a quasi-travel insurance coverage coverage due to the cardboard.

The Chase Sapphire Reserve’s journey delay safety supplies as much as $500 reimbursement per ticket for cheap bills incurred throughout an airline delay.

Cardholders ought to maintain the next in thoughts to ensure their delay qualifies for protection.

  1. The airline ticket(s) should be paid for with the Chase Sapphire Reserve card.
  2. Protection kicks in after a six-hour delay or when an in a single day keep is important.
  3. Journey delay safety is secondary to another journey insurance coverage protection.
  4. The coverage will cowl cheap bills reminiscent of lodge, meals, floor transportation and important toiletries.

Be aware: The $500 isn’t an computerized quantity. While you’re budgeting your lodge and meal plan throughout a delay, ensure that to recollect the phrase cheap in that fourth clause. You shouldn’t view the coverage as a chance to check out the native five-star restaurant or lavish lodging on the nearest luxurious lodge anticipating Chase to choose up the total tab.

Learn how to file a visit delay declare

I inspired Smith to assemble his receipts and file a visit delay declare via eclaims/Allianz, the underwriter of the Chase Sapphire Reserve’s journey advantages.

The declare course of is simple.

  1. Name the advantages administrator – eClaims — at 888-675-1461 (Within the U.S.) or 804-281-5772 (accumulate, exterior of the U.S.) or go to to open a declare (or test on an current one).
  2. Add all the mandatory paperwork to course of your journey delay declare: receipts for all bills, proof of delay and proof of ticket buy. The advantages administrator could ask for extra data.
  3. Wait (most claims are processed inside 30 days).

Smith did as I recommended. Sometimes, these claims can take as much as 30 days to finish, however throughout the pandemic and a summer season of journey chaos, that processing time has been longer.

After a couple of weeks with out an replace, I despatched a nudge to our useful government contact at Allianz. I wished to make sure that Smith had submitted all the mandatory documentation to file his declare.

Shortly after got here the excellent news from Allianz: The journey delay protection offered by Smith’s Chase Sapphire Reserve card would cowl a big chunk of the bills the couple incurred.

Hello Michelle,

I am sorry for any inconvenience Mr. Smith could have skilled together with his declare.

I checked with our Claims workforce, they usually have permitted Mr. Smith’s declare within the quantity of $860.01. He ought to obtain his fee shortly.

We’re glad we might present this protection for Mr. Smith and want him effectively in his future travels.

(Allianz/insurance coverage underwriter/Chase Sapphire journey insurance coverage protection)

American Airways’ gesture of goodwill

American Airways did find yourself offering Smith with a goodwill gesture for his extra prices accrued because of the delay. BRANDON BELL/GETTY IMAGES

Though Smith was happy with the approval of his bank card’s journey delay declare, it didn’t make him utterly complete. Not the entire bills he had incurred when American Airways delayed and diverted their flight residence had been reimbursed.

Even one of the best journey insurance coverage coverage will not sometimes cowl an almost $700 per evening luxurious lodge when various lodging can be found (or a $300 Uber, for that matter).

The lodge within the Bahamas had been fairly expensive, however Smith believed it to be the precise alternative given his spouse’s being pregnant and bronchial asthma. Smith additionally says he had acquired verbal approval from an American Airways worker to go to that various lodge.

In an e-mail to Smith, earlier than Smith had reached out to TPG, an airline consultant appeared to suggest that if the couple submitted all their extra bills, they could be reimbursed. However then he had heard nothing farther from American Airways.

So earlier than I closed this case, I assumed it was price a shot to tell our American Airways government contact of Smith’s profitable journey delay declare via his Chase card (and its worth) and to seek out out if the airline supposed to supply any additional goodwill gesture to the couple. In spite of everything, this journey nightmare had nonetheless price them greater than $800 over the reimbursement quantity agreed to by Allianz.

Quickly, American Airways had extra excellent news for Smith and his spouse. Ultimately, the airline offered a goodwill gesture (money reimbursement) that crammed the hole that the journey delay coverage didn’t cowl. American Airways additionally despatched the couple $800 in future journey credit to make up for his or her horrible expertise.

Smith and his spouse are delighted with the end result. And now they will put this journey nightmare prior to now and look ahead to their subsequent journey — a brand new child.

Reduce the monetary hit

In fact, flight delays and cancellations are at all times a chance after we journey. However many passengers do not plan for these conditions, as an alternative hoping for one of the best as they set off on their journeys. This can be a mistake.

It is easy to mitigate the monetary repercussions of a flight delay or cancellation if you happen to do just a bit preplanning. Listed here are some issues to bear in mind earlier than your subsequent journey.

Know your passenger rights

In america, airline passengers wouldn’t have an abundance of protections when operations go awry.

In comparison with Europe, Canada and Israel, our passenger rights are abysmal. Step one in defending your self from a financial loss throughout a flight delay or cancellation is ensuring you perceive your fundamental rights. You need to acquaint your self with the Division of Transportation’s stance. Trace: You might be owed nearly zilch.

Because the DOT isn’t going to carry the airline chargeable for any bills incurred throughout a delay or cancellation, you want to plan accordingly to guard your self. Additionally keep in mind: Below the EC 261 regulation, your rights are completely different if you happen to’re on a European airline (although that could be altering quickly). And in 2019, Canada added related passenger protections for a wide range of flight mishaps.

Use a bank card that gives journey delay and cancellation protection

Not all bank cards are created equal in relation to journey protections. It is vital to grasp the entire membership advantages of your particular playing cards so that you simply make sure you’re defending your self in the absolute best manner throughout your travels.

The identical week that Smith contacted, Melissa Karren additionally submitted a request for assist with an equally disagreeable journey nightmare. Her story has a special ending, nonetheless, as a result of she used her Citi / AAdvantage® Platinum Choose® World Elite Mastercard® to e book her flights — and that card dropped its journey protections again in 2019.

For those who do not need to purchase a separate journey insurance coverage coverage, make sure you are paying in your flights with a bank card that can present flight delay and cancellation protection.

Buy journey insurance coverage

Regrettably, vacationers usually assume that journey insurance coverage is just acceptable for expensive worldwide adventures. Due to the restrictions of passenger rights in america, nonetheless, vacationers ought to take into account journey insurance coverage for any journey that entails nonrefundable lodging, automobile leases or actions.

In case your flight is delayed or canceled, the airline in all probability is not going to reimburse you for any losses. However a complete journey insurance coverage coverage would possibly give you the safety you want.

Go to a web site reminiscent of InsureMyTrip, the place you’ll be able to examine and distinction a wide range of insurance coverage insurance policies. After buying a coverage, you often have 10-14 days to completely overview it earlier than it turns into nonrefundable. These insurance policies are fairly detailed, however do not be deterred by their size. Learn the complete doc throughout that overview interval. For those who decide that it doesn’t present the protection you want, you’ll be able to cancel and buy one which does.

Use knowledgeable journey advisor

When tons of of individuals are storming the airline’s customer support counter after a cancellation or prolonged delay, knowledgeable journey advisor could be your greatest buddy. They’re positive to have particular contacts to assist reroute you and discover you native lodging if crucial. You may skip that line, sit and let your journey agent do what they do greatest. Use a web site like TravelSense to discover a really helpful, skilled journey advisor — as a result of identical to all bank cards aren’t created equal, neither are all journey brokers, and a few may also help you greater than others.

Backside line

Journey delays and cancellations can rapidly flip into surprising monetary disasters for unprepared passengers. Don’t let that occur to you. As Smith’s expertise exhibits, you’ll be able to simply defend your self from shock bills through the use of a bank card that gives you with the journey safety you want.

Get to know your card’s membership advantages, learn the information your issuer supplies and decide if its protection fits your wants. It’s possible you’ll uncover that you simply, too, have protection you didn’t know you had. Smith virtually misplaced over $1,500 as a result of he wasn’t conscious of the journey delay perks of the Chase Sapphire Reserve card. However that every one modified when he contacted TPG — and he couldn’t be happier with the end result.

Bear in mind, You probably have an issue with an airline, lodge, cruise line, automobile rental company or bank card firm that you may’t repair by yourself, ship me an e-mail by way of and I will probably be joyful to analyze.

Comfortable travels!

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