Disney World is the ultimate destination for rides, Mickey Mouse-shaped snacks, and, according to one TikToker, reading.
18.08.2023 - 16:55 / thepointsguy.com / Chase Sapphire-Reserve / Credit Card / Disney Cruise
Shannon Acton and her family were looking forward to spending a week aboard Disney Cruise Line's Disney Fantasy last fall. Sadly, those plans ended abruptly when her father-in-law died suddenly just days before the trip.
For a $1,548 change fee, Disney allowed the grief-stricken family to switch to a future cruise. Assuming the travel protections provided by her Chase Sapphire Reserve would cover the charge, Acton submitted her claim.
However, that was many months ago, and despite her ongoing efforts to get the claim approved, she's still struggling to receive a resolution from Chase's eClaimsline.
Now, Acton is hoping that TPG can investigate and find out what went wrong with her credit card travel insurance claim.
Early last year, Acton and her husband decided to spend the week after Thanksgiving on a seven-night Very Merrytime cruise with Disney through the Caribbean aboard Disney Fantasy.
Knowing that their sons, ages 3 and 4, would love the holiday-themed trip, which boasts a tree lighting, Santa Claus sightings, and many other fun events — including a visit to Disney's Castaway Cay decorated for winter — they booked the closed-loop cruise embarking from Port Canaveral, Florida.
In the days leading up to their Disney cruise, the family was busy packing their suitcases and making last-minute arrangements when tragedy struck.
"My father-in-law died three days before the cruise," Acton told me. "When I called Disney, they offered me a replacement Very Merrytime cruise in December for an additional $1,548. Knowing we were covered by trip delay/interruption insurance, I agreed to the charge."
After agreeing to the change, Acton began the claim process through eClaimsline's online portal.
Although Acton had been under the impression she was filing a claim for a trip delay or interruption, because her family canceled the original cruise and rebooked, her claim actually fell under the category of trip cancellation.
Here's a snapshot of the differences between these types of claims with the Chase Sapphire Reserve, specifically:
Acton filed her claim and eClaimsline adjusted it as a trip cancellation.
Then the family thought little more about the situation. They had more important things on their minds.
About a month later, the family was boarding their replacement Disney cruise.
The family enjoyed the vacation, but when they returned, Acton's thoughts returned to her travel insurance claim.
"It hadn't been approved," Acton recalled. "So I started to try to figure out what was going wrong."
Signing in to the eClaimsline portal once more, Acton reviewed the information that she had uploaded to her account as required.
It appeared that everything she had been asked for had been provided, and Acton didn't see
Disney World is the ultimate destination for rides, Mickey Mouse-shaped snacks, and, according to one TikToker, reading.
I’m a 68-year-old solo traveler who was on a tour of Sicily in June 2022, when I fell getting off a bus, breaking multiple ribs, vertebrae and a pelvic bone. I had purchased the RoundTrip Choice plan from Seven Corners Travel Insurance, so I called, expecting they would help coordinate my medical care with Italian-speaking doctors. But they told me to seek help on my own, save the receipts and file a claim when I got home. Our tour guide was an angel, arranging drivers to take me back and forth to the hospital and even interpreting by speakerphone with doctors. Days later I got a doctor to fill out a form (which I had to Google Translate for him) saying I could travel home, as long as I was in a reclining position. My family chipped in to buy a business-class seat for the return flight, a day-and-night trip from Palermo to Munich to New York to Jacksonville. Seven Corners finally paid $5,772 for my bills and missed trip, but refused to reimburse me for most of my business-class fare. Far worse, I believe they failed to provide me the assistance they promised, essentially leaving me to fend for myself and leaving me unable to communicate with hospital staff. I have registered complaints with the Better Business Bureau and the state insurance agencies of Florida and Indiana (where Seven Corners is based), but I’ve gotten nowhere. Can you help?
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