Does My Credit Card Travel Insurance Cover Amtrak Trips?

“Reader Questions” are answered twice a week by TPG Senior
Points & Miles Contributor Ethan
Steinberg
.

Travel insurance can be a great way to recoup some of your costs
if things go wrong on the road, be it weather delays or
an airline going bankrupt
. You might even have travel insurance
coverage you didn’t know about, especially if you booked with one
of our favorite travel rewards cards like the Chase
Sapphire Reserve
. TPG reader Sama wants to
know if this coverage extends to train tickets as well …

I booked an Amtrak ticket using my Chase Sapphire Reserve card.
Am I covered if there’s an interruption, delay or cancellation
during my trip?

TPG READER SAMA

It’s no surprise that we often think about trip cancellation
as it relates to our free flights and hotel stays here at TPG.
However, if you read the terms and conditions of your card’s
travel insurance policy, you’ll actually see a different phrase
used in most cases: “common carrier.” Take a look at how Chase
describes the trip delay reimbursement benefit on the Sapphire
Reserve website:

So what exactly does common carrier mean? Chase gives us a few
examples on the website (emphasis mine):

“Reimbursement is in excess of any travel insurance purchased,
or reimbursement from the occupancy provider or common
carrier such as airline, bus, cruise ship, or
train
.”

Technically a common carrier (or “public carrier” in some
countries) is a company that transports goods or people on a
regular basis under the license or authority of a regulatory body.
While Chase’s examples make it pretty clear that a regularly
scheduled commuter rail service — like Amtrak
or the
high-speed bullet trains
you’ll find in many Asian countries
— constitutes a common carrier, so do a number of less obvious
companies. Cruise and bus lines do, and many tour companies that
operate under a regular schedule with a license might also be
considered common carriers.

If you’re unsure about your specific circumstances, you can
always call your card’s benefits administrator and ask if your
travel operator is classified a common carrier. While the insurance
providers are highly unlikely to comment on the result of a
hypothetical claim, they’ll happily discuss your situation and
tell you whether you would be eligible to submit a claim if your
trip is delayed, interrupted or cancelled.

Bottom Line

The Chase
Sapphire Reserve
 is one of the all around best travel rewards
cards for a number of reasons, including the broad way Chase
defines the
travel bonus category
and the plethora of travel insurance
policies the card provides. While you might be familiar with some
of these policies as they apply to delayed or cancelled flights,
the reality is that “common carrier” service encompasses many
other forms of regularly scheduled transportation as well.

Thanks for the question, Sama, and if you’re a TPG reader
who’d like us to answer a question of your own, tweet us
at @thepointsguy, message us
on Facebook or email us
at info@thepointsguy.com.

Featured photo by Robert Alexander/Archive Photos/Getty
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Source: FS – All-Travel destinations-News2
Does My Credit Card Travel Insurance Cover Amtrak Trips?