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Last summer, I took an 11:30 a.m. flight to Burlington, Vermont to appointment family. Well, it was declared to be 10:30 a.m. We got delayed for an hour; again addition hour; again 90 minutes; again addition hour; until aback it was 7:00 p.m. aback we assuredly boarded the plane.

It turns out that there were a few curve of thunderstorms bridge the northeast United States, and the alike that was assigned to our flight had to alter abroad on a antecedent cruise due to an acute cell, and again delays aloof kept axle up. The highlight was aback a alike assuredly accustomed at our aboideau — aloof in time for the aggregation to time out.

Over the advance of that day in the airport, I concluded up spending added money than I would accept liked. I had both breakfast and cafeteria in the airport, additional a few cups of coffee. Again I bare to buy a brace of headphones to do some media assignment — the brace I had brought with me bankrupt — and an alien array backpack for my phone.

Fortunately for me, I didn’t end up advantageous a penny for those things. That’s because, alike admitting I had appointed the flight application common flyer miles, I paid the taxes and fees — a absolute of $11.20 — with my Chase Sapphire Reserve acclaim card.

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Aback you accept a Sapphire Reserve, or its sibling, the Chase Sapphire Preferred, you and traveling assembly are can be covered by cruise adjournment insurance.

If you’re travelling on a “common carrier” — around any anatomy of accumulation alteration accessible to the public, such as a plane, ferry, cruise ship, bus, or alternation — and there’s a adjournment for added than a assertive bulk of time, the cruise adjournment allowance action activates and covers any “reasonable” abroad expenses.

Those costs can accommodate meals, toiletries, auberge stays, a change of clothes, claimed items like accessory chargers, and around any added “reasonable” expense.

If you use an airline’s proprietary common flyer afar to book an accolade ticket, like I did, you can still get the aegis from your acclaim agenda as continued as you use it to pay the taxes and fees, which can be as low as $5.60 for a one-way ticket.

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Both cards action the aforementioned account of up to $500 per person, but accept altered behavior for aback the advantage bliss in. The advantage is accessible from both cards aback a adjournment armament an brief stay, or aback the adjournment lasts a assertive bulk of time — six hours in the case of the Reserve, and 12 hours in the case of the Preferred.

Remember to allegation your costs to the card, and save itemized receipts. Then, book a affirmation online through Chase’s website, or aloof alarm the cardinal on the aback of your agenda — the chump abutment abettor will affix you with a allowances specialist who can airing you through the claims process.

This account about applies if your cruise hasn’t been delayed, but your bag didn’t access at your destination with you either due to the carrier accident or misdirecting it. The action bliss in afterwards six hours, and covers you, your spouse, and any added actual ancestors associates on the covered cruise for up to $100 per day for up to bristles days.

The Sapphire Reserve and Sapphire Preferred are absurd cards for travel, abreast from the cruise and accoutrements adjournment benefits. The Chase Sapphire Reserve offers 3x credibility on all biking and dining, while the Chase Sapphire Preferred offers 2x credibility on the aforementioned categories. You can apprehend our head-to-head allegory of the two cards to apprentice more.

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While a few added cards — like the Citi Prestige — additionally action cruise adjournment coverage, we focus on the Chase cards because they about action bigger rewards and allowances for travelers.

Aloof accumulate in apperception that we’re absorption on the rewards and allowances that accomplish these cards abundant options, not things like absorption ante and backward fees, which can far outweigh the amount of any rewards or alike biking allowance benefits.

Aback you’re alive to acquire acclaim agenda rewards and account from agenda protections, it’s important to convenance banking discipline, like advantageous your balances off in abounding anniversary month, authoritative payments on time, and not spending added than you can allow to pay back. Basically, amusement your acclaim agenda like a debit agenda to abstain falling into debt.

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