american airlines trip insurance refund

• Refunds - Start Over

Electronic or Paper/Printed Ticket Refunds

All refund requests subject to review, refund processing times, flight cancellations / natural and manmade disasters, extenuating circumstances, options for requesting a refund, aadvantage mileage reinstatement.

AAdvantage, Reservations, Baggage, Customer Service Requests

Application of Air Passenger Duty (APD)

If you need further assistance, please Contact Refunds.

Refundable Electronic or Paper Tickets:

Fully or partially unused refundable tickets may be submitted to American Airlines for possible refund. Many tickets contain fare restrictions that limit their refundable value and require fees and/or penalties to be deducted from any refund of the original ticket.

If your paper/printed ticket passes refund eligibility and you submit the refund request, you will be required to mail in your original coupons to American Airlines at the address below before your request can be processed.

American Airlines

Attention: Passenger Refunds

4000 E. Sky Harbor Blvd.

Phoenix, AZ 85034

Non-Refundable Tickets:

Nonrefundable tickets generally cannot be refunded. However, exceptions may be available under the following circumstances:

Death of the passenger, immediate family member, or traveling companion.

Schedule changes implemented by American Airlines.

Certain illnesses may be considered if your ticket involves international travel, which includes travel to or from the U.S. Virgin Islands or Puerto Rico.

Upon request, taxes and fees not imposed by the airline may be refunded if the airline's obligation to remit the tax or fee depends upon use of the ticket for travel. Taxes and fees will not be refunded if the airline's obligation to remit the tax or fee arises from the collection of the tax or fee. All taxes and fees imposed by the United States government fall within this category and are not refundable.

Subject to certain restrictions and fees defined in the rules of the fare, the value of a wholly unused nonrefundable ticket may only be used toward the purchase of a new nonrefundable ticket. Travel on such reissued tickets (or subsequently reissued tickets) must commence no later than one year from the date of issue of the original ticket. The value of an AA nonrefundable fare can only be applied to the value of another AA nonrefundable fare. The value of an AA non-refundable fare cannot be applied to the purchase of another airline refundable/nonrefundable fare.

For partially used tickets, the residual value may be used toward the purchase of a new nonrefundable ticket. The residual value will be the difference between the fare paid and the fare for the transportation actually used as determined by the applicable rules less any fees or penalties defined in the rules of the fare that was purchased. All travel on such reissued tickets (or subsequently reissued tickets) must be completed no more than one year from the first date of travel on the original ticket or sooner if required by the tickets' fare rules.

In any case, the itinerary for any unused or partially used nonrefundable ticket must be canceled before the ticketed departure time of the first unused coupon, or the ticket will lose any remaining value and cannot be used for travel or reissue.

If your nonrefundable paper/printed ticket passes the above eligibility and you submit the refund request, you will be required to mail in your original coupons to American Airlines at the address below before your request can be processed.

Contact our Reservations agents when you are ready to make your new travel plans. They will advise you of the applicable procedures and fees.

American Airlines reserves the right to review all refund requests prior to final processing. Please be aware that the website will review all available data and make a commitment for a refund, but that commitment is always subject to additional review by a member of Passenger Refund Services prior to the refund being issued.

American Airlines is committed to process refund requests for eligible tickets within 7 business days for credit card purchases and 20 business days for cash purchases. Tickets included in the Customer Service commitment are fully unused and partially used, refundable and non-refundable (paper and electronic) tickets purchased in US currency. Tickets excluded from the commitment are fare adjustments, international tickets, and tickets purchased in international currencies. For credit card refunds, actual time for credit to appear in your account will vary depending on the credit card company and procedures.

Refund eligibility can be affected by unforeseen flight cancellations and extenuating circumstances such as natural or manmade disasters. In most cases, flights that have been cancelled due to these circumstances will be logged in our databases and adjustments will be reflected in stated refund eligibility. If your flight was cancelled due to recognized circumstances, we will do our best accommodate your request

We understand that many extenuating circumstances can affect a passenger's need for a refund. If you feel that you have such circumstances associated with your refund request, mail all documentation supporting your request to the address below.

It's easy to Request a Refund online. In addition you can request a refund:

In person at any American Airlines Airport Ticket Office located within the airports that American serves.

In person at any American Airlines Travel Center located in the cities that American serves.

Via mail to the American Airlines Passenger Refunds department at:

Fax: 800-892-3447

International Fax: 480-693-2759

Please allow additional time for processing.

AAdvantage mileage reinstatements are not processed online at this time. Members may request reinstatement of AAdvantage miles over the phone with AAdvantage reservations. The AAdvantage miles will be reinstated as applicable and Passenger Refund Services will process any monetary refund due (taxes etc.). AAdvantage award fees or copays are non-refundable. To request a mileage reinstatement, please contact AAdvantage Reservations at 1-800-882-8880.

Requests Regarding: AAdvantage awards, Reservations, Baggage, Customer Service

If you need help regarding AAdvantage award tickets, Reservations, Baggage or Customer Services, click on a link for more information and assistance.

For AAdvantage information requests, including questions about award claiming, mileage reinstatements and mileage accrual.

AA Reservations

With changes to existing reservations.

Baggage Services

For help with missing, delayed or damaged baggage.

Customer Relations

With comments or service suggestions on a trip you have completed.

Contacting the appropriate department will help expedite your request.

Changes to Application of Air Passenger Duty (APD) Tax for Children under 12 Departing the U.K.

The U.K. government recently announced the elimination of the Air Passenger Duty (APD) tax for children under the age of 12, traveling in Economy Class departing the U.K. on or after May, 1 2015, for tickets issued on or after December 5, 2014. Consequently, American Airlines is no longer collecting the APD tax on Economy Class tickets for children under the age of 12, departing the U.K. on or after May 1, 2015.

Customers who have already paid the APD Tax for children under the age of 12, booked to depart the U.K. in Economy Class on or after May 1, 2015, for tickets issued before December 5, 2014, are eligible for a refund.

Refund Processing Options

Customers who purchased tickets prior to December 5, 2014 directly through AA Reservations or via aa.com for travel exiting the U.K. on or after May 1, 2015, will be proactively refunded the APD tax.

Travel agencies may refund the APD tax on eligible 001 tickets issued prior to December 5, 2014 using one of the following three options:

1.   The issuing agency may issue a new ticket (at the exact same fare without the tax) for the child under the age of 12. Once issued, the agency may then process a refund for the original ticket provided the following required documentation is included:

Required PNR Documentation:

Add the following OSI documentation and original ticket number in the following format:

• OSI AA APD TAX REFUNDED FOR CHILD TICKET 006 111 222 3333

Required New Ticket Documentation:

The old ticket number must be included in the endorsement box of the new ticket.

2.   The issuing agency may contact AA Sales Support or a local AA Reservation office to process the APD tax refund. Please note: If AA processes the refund, AA will reissue the ticket resulting in the travel agency losing control of the ticket for any subsequent changes.

3.   The issuing agency or the passenger may wait until travel is completed and submit a request for an APD tax refund post travel via aa.com (non-U.S. travel agencies may submit a request via BSP link).

Additional information

• GDSs have been programmed for the exemption of APD tax on Economy Class tickets issued on or after December 5, 2014, for children under the age of 12 departing the U.K.in Economy Class on or after May 1, 2015.
• To view the U.K. announcement, please click here.

Frequently Asked Questions

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• Plan Your Trip

What Does Trip Insurance Cover For American Airlines

Published: December 6, 2023

Modified: December 28, 2023

by Dania Mizell

Introduction

Traveling is an exciting adventure, whether you’re jetting off for business or taking a much-needed vacation. However, unexpected events can sometimes disrupt our travel plans, leaving us stressed and stranded. That’s where trip insurance comes to the rescue. It offers a safety net, providing coverage for a range of unforeseen circumstances that could impact your journey.

When it comes to air travel, American Airlines is a popular choice for many travelers. To ensure a worry-free trip, it’s important to understand what trip insurance can cover for American Airlines passengers. This comprehensive guide will walk you through the various aspects of trip insurance, giving you a clear understanding of the protection it offers and helping you make an informed decision about whether to purchase it for your next American Airlines flight.

From trip cancellation and interruption to lost baggage and medical emergencies, trip insurance can provide valuable coverage and peace of mind. It’s important to note that the specific coverage and terms may vary depending on the insurance provider and the policy you choose, so be sure to carefully review the details before making a purchase.

In the following sections, we’ll explore the different coverage options typically offered by trip insurance for American Airlines passengers. We’ll discuss the protection provided for trip cancellation or interruption, trip delay, lost or delayed baggage, medical expenses and emergency medical evacuation, travel accidents, and even rental car protection. Additionally, we’ll cover any exclusions or limitations you should be aware of, as well as how to purchase trip insurance for your American Airlines flights.

So, whether you’re heading on a domestic getaway or an international adventure with American Airlines, read on to discover the benefits of trip insurance and how it can safeguard your travel plans.

Overview of Trip Insurance

Trip insurance, also known as travel insurance, is a type of insurance that provides coverage for unexpected events that may occur before or during a trip. It is designed to protect travelers from financial loss and provide assistance in various situations that could disrupt travel plans.

When it comes to American Airlines, trip insurance can be purchased to cover a wide range of potential issues that could arise before or during your trip. These could include trip cancellation or interruption, trip delay, lost or delayed baggage, medical expenses and emergency medical evacuation, travel accidents, and even rental car protection.

By investing in trip insurance, you can have peace of mind, knowing that you are financially protected if something unexpected happens. Whether it’s a sudden illness or injury, a natural disaster, a travel advisory, or any other covered event, trip insurance can help you recoup some or all of the expenses associated with your trip.

It’s important to note that trip insurance is typically purchased separately from your airline ticket. While some airlines may offer their own trip insurance options, it’s advisable to explore coverage from third-party providers as well. This allows you to compare different policies, levels of coverage, and pricing to find the best fit for your specific needs and budget.

When considering trip insurance, it’s essential to carefully review the terms and conditions of the policy to understand what is and isn’t covered. Each policy will have its own set of limitations, exclusions, and coverage limits, so it’s important to choose a plan that aligns with your travel plans and preferences.

In the following sections, we’ll delve into the specific coverage options provided by trip insurance for American Airlines passengers. Whether you’re looking for protection against trip cancellation, delay, lost baggage, or medical expenses, understanding the details of trip insurance coverage will help you make an informed decision for your future travels with American Airlines.

Coverage for Trip Cancellation or Interruption

One of the primary benefits of trip insurance is coverage for trip cancellation or interruption. Life is unpredictable, and there may be instances where you need to cancel or cut short your trip due to unforeseen circumstances. Trip insurance can help protect your investment by reimbursing you for non-refundable expenses.

If you need to cancel your trip before your scheduled departure, trip insurance can provide coverage for a variety of reasons such as a sudden illness or injury, the death of a family member, or a natural disaster that renders your destination uninhabitable. Depending on the policy, you may also be covered for events like a travel advisory issued by the government or the bankruptcy of the airline or tour operator.

In the case of trip interruption, if you need to return home early due to an emergency or unforeseen event, trip insurance can cover the additional expenses incurred, such as change fees for flights or unused portions of accommodations.

It’s essential to carefully review the coverage limits and exclusions of your trip insurance policy. Some policies have specific covered reasons for trip cancellation or interruption, while others offer more comprehensive coverage. It’s also worth considering whether you want “cancel for any reason” coverage, which provides more flexibility but may come at an additional cost.

When purchasing trip insurance for American Airlines travel, be sure to consider the total cost of your trip and select a coverage amount that adequately protects your investment. Keep in mind that trip insurance must be purchased before any unforeseen event occurs, so it’s wise to secure coverage as soon as you book your trip.

Trip cancellation or interruption coverage helps minimize the financial risk of having to cancel or cut short your trip due to unexpected circumstances. By including this coverage in your trip insurance policy, you can travel with peace of mind, knowing that you have financial protection if your plans need to change.

Coverage for Trip Delay

When it comes to travel, delays can be frustrating and inconvenient. Fortunately, trip insurance can provide coverage for trip delays, offering assistance and reimbursement for certain expenses incurred as a result of the delay.

If your American Airlines flight is delayed for a significant amount of time due to reasons beyond your control, such as weather conditions, mechanical issues, or other unforeseen events, trip insurance can help cover the additional costs you may incur during the delay.

Common expenses that may be covered include meals, accommodations, transportation, and even necessary phone calls or internet access while you wait for your flight to depart. The specific coverage and limits will depend on your trip insurance policy, so it’s important to review the details before purchasing.

It’s worth noting that trip delay coverage typically comes into effect after a certain period of delay, such as a minimum of six hours. Prior to that, it’s advisable to check with the airline for any compensation or assistance they may offer. Once the minimum delay threshold is met, trip insurance can provide reimbursement for eligible expenses incurred during the extended delay.

When purchasing trip insurance, consider the potential for delays and the impact it may have on your trip. If you have a tight schedule or important events booked, having coverage for trip delays can provide peace of mind and financial protection.

It’s important to keep all receipts and documentation related to the expenses incurred during the trip delay, as you will likely need to submit them for reimbursement. Contact your trip insurance provider as soon as possible to understand the process for filing a claim and receive proper guidance.

With trip delay coverage, you can navigate unexpected delays with more ease. Rather than bearing the financial burden yourself, trip insurance can help cover necessary expenses, ensuring that you can make the most of your travel experience with American Airlines.

Coverage for Lost or Delayed Baggage

One of the most frustrating experiences while traveling is when your baggage is lost or delayed. Luckily, trip insurance can provide coverage and assistance in such situations, helping to alleviate some of the stress and inconvenience.

If your luggage goes missing or is delayed by the airline during your American Airlines travel, trip insurance can cover the cost of necessary items you may need to purchase. This coverage typically includes essentials like clothing, toiletries, and other personal items. The specific coverage limits will vary depending on your policy, so be sure to review the details when purchasing trip insurance.

In the event that your baggage is lost and doesn’t get recovered, trip insurance may provide reimbursement for the value of your lost belongings. It’s important to keep track of the items in your luggage and their estimated value, as you may need to provide documentation to support your claim.

When your baggage is delayed for an extended period, trip insurance can also provide coverage for the additional expenses you may incur. This could include the cost of purchasing essential items, such as clothing and toiletries, while waiting for your luggage to be delivered. The coverage limits and waiting period for delayed baggage will vary depending on your policy, so it’s important to review this information carefully.

To ensure a smooth claims process, it’s recommended to report any lost or delayed baggage to the airline immediately and obtain a Property Irregularity Report (PIR) or relevant documentation. This will serve as evidence when filing a claim with your trip insurance provider. Be sure to keep all receipts for items purchased during the delay or in the process of replacing lost items.

By including coverage for lost or delayed baggage in your trip insurance policy, you can travel with peace of mind knowing that you’ll be financially protected and able to replace any essential items if necessary. This coverage provides a valuable safety net and ensures that your travel experience with American Airlines remains as smooth and enjoyable as possible.

Coverage for Medical Expenses and Emergency Medical Evacuation

Medical emergencies can happen at any time, even during your travels with American Airlines. Trip insurance can provide coverage for medical expenses incurred while traveling and even offer assistance in arranging emergency medical evacuation if needed.

If you experience a sudden illness or injury during your trip and require medical attention, trip insurance can help cover the costs of necessary medical treatment. This can include doctor’s visits, hospital stays, prescription medications, and other related expenses. It’s important to review the medical coverage limits and any exclusions mentioned in your trip insurance policy.

In addition to medical expenses, some trip insurance policies also offer coverage for emergency medical evacuation. This means that if you require immediate medical attention that is not available locally, trip insurance can help arrange and cover the cost of transporting you to a suitable medical facility. This could involve air ambulances, specialized medical transportation, or coordination of medical repatriation back to your home country.

When choosing trip insurance, consider the coverage for pre-existing medical conditions, as some policies may have limitations or exclusions. If you have any pre-existing conditions, it’s important to disclose them when purchasing the policy or seek out a policy that offers coverage for pre-existing conditions.

When a medical emergency occurs, it’s crucial to contact the emergency assistance hotline provided by your trip insurance provider. They can guide you through the process, assist in finding appropriate medical care, and make arrangements for necessary transportation or evacuation if required.

Having coverage for medical expenses and emergency medical evacuation gives you peace of mind, knowing that you will be taken care of in the event of a medical emergency during your travels with American Airlines. It helps alleviate the financial burden and ensures that you receive the necessary care and attention, no matter where you are in the world.

Coverage for Travel Accidents

While no one wants to think about accidents happening during their travels, it’s important to be prepared and protected. Trip insurance can provide coverage for travel accidents, ensuring that you have financial assistance in case of unforeseen incidents.

Travel accident coverage typically provides benefits in the event of accidental death or dismemberment that occurs during your trip. This coverage can help provide financial security for you and your loved ones in the unfortunate event of a fatal accident or severe injury while traveling with American Airlines.

The coverage amount for travel accidents varies depending on your trip insurance policy. Some policies offer a fixed amount, while others provide coverage based on a percentage of the policy’s total benefit limit. It’s crucial to review the details of the coverage and the terms and conditions.

While travel accident coverage can provide peace of mind, it’s important to note that it is not a substitute for health or life insurance. Travel accident coverage typically focuses on accidents that occur specifically during your trip and may have certain exclusions or limitations. If you’re looking for more comprehensive coverage, you may want to consider purchasing additional life or health insurance.

In case of a travel accident, it’s essential to contact your trip insurance provider as soon as possible to begin the claims process. They will guide you on the documentation required and the steps to take. Be prepared to provide any necessary evidence, such as medical reports and police reports, to support your claim.

By including travel accident coverage in your trip insurance policy, you can have peace of mind knowing that you have financial protection in the event of a travel accident. It’s an extra layer of security that adds to the overall safety and preparedness during your travels with American Airlines.

Coverage for Rental Car Protection

When traveling, many people opt to rent a car to explore their destination conveniently. However, accidents or damage to the rental car can put a damper on your trip. Fortunately, trip insurance can provide coverage for rental car protection, ensuring that you’re financially protected in case of any mishaps.

Rental car protection coverage helps safeguard you from the financial burden of damages or theft to the rental car. If you’re involved in an accident or if the rental car is stolen or vandalized during your trip, trip insurance can help cover the costs associated with repairs or replacement.

Depending on your trip insurance policy, rental car protection coverage may include damage to the rental vehicle, loss of use charges imposed by the rental company, and even reimbursement of the deductible you may be responsible for under the rental car agreement.

It’s important to note that rental car protection within trip insurance typically acts as secondary coverage. This means that it steps in to cover costs that exceed what may already be provided by the rental car company’s insurance or your personal car insurance policy. It’s advisable to review your existing insurance policies to understand your coverage and determine if additional rental car protection is necessary.

Before renting a car, it’s essential to familiarize yourself with the rental agreement and the terms and conditions set by the rental car company. This allows you to understand your responsibilities and any potential liabilities. It’s also recommended to inspect the rental car thoroughly and document any existing damages to avoid any disputes later on.

In the event of an accident or damage to the rental car, notify your trip insurance provider as soon as possible to initiate the claims process. They will guide you on the necessary documentation and steps to take to receive reimbursement for the covered expenses.

By including rental car protection coverage in your trip insurance policy, you can explore your destination with peace of mind, knowing that you’re financially protected in case of any unfortunate incidents involving the rental car. It’s an added layer of security that enhances your travel experience with American Airlines.

Additional Benefits and Add-Ons

In addition to the core coverage options, trip insurance for American Airlines passengers may offer additional benefits and add-ons to enhance your travel protection. These optional features can provide extra peace of mind and tailor your coverage to meet your specific needs. Here are some common additional benefits and add-ons to consider:

• Travel Medical Insurance: If you require more comprehensive medical coverage while traveling, you may have the option to add travel medical insurance to your trip insurance policy. This can provide coverage for medical expenses unrelated to trip interruptions or accidents.
• Cancel for Any Reason: Some trip insurance plans offer a “cancel for any reason” add-on, providing more flexibility in canceling your trip. This can be beneficial if you have concerns about traveling due to personal reasons not covered by standard trip cancellation coverage.
• Pre-existing Condition Coverage: If you have pre-existing medical conditions, you may be able to add coverage specifically for these conditions. This ensures that any medical issues related to your pre-existing conditions will be covered during your trip.
• Adventure Sports Coverage: If you plan on participating in adventure sports or activities during your trip, you may have the option to add coverage specifically for these high-risk activities. This can provide protection against injuries or accidents that may occur during such activities.
• Identity Theft Protection: To protect yourself from identity theft while traveling, some trip insurance policies offer identity theft protection as an add-on. This can help with services such as credit monitoring and resolution assistance in case your personal information is compromised.

When considering additional benefits and add-ons, it’s important to carefully review the details and terms of the coverage. Evaluate your specific needs and assess if the additional cost is worth the added protection.

Keep in mind that these optional benefits and add-ons may not be available with all trip insurance providers or policies. It’s recommended to compare different insurance plans to find the one that best suits your needs and preferences.

By taking advantage of these additional benefits and add-ons, you can customize your trip insurance coverage to provide the level of protection and peace of mind that matches your unique travel requirements, ensuring a worry-free journey with American Airlines.

Exclusions and Limitations

While trip insurance can provide valuable coverage for various travel contingencies, it’s important to understand that there are certain exclusions and limitations to be aware of. These exclusions and limitations define what is not covered by your trip insurance policy. Here are some common exclusions and limitations you may encounter:

• Pre-Existing Conditions: Many trip insurance policies have specific limitations on coverage for pre-existing medical conditions. It’s crucial to review the policy’s definition of pre-existing conditions and understand any restrictions or exclusions that may apply.
• High-Risk Activities: Some policies may exclude coverage for injuries or accidents related to high-risk activities such as skydiving, bungee jumping, or other extreme sports. If you plan on participating in these activities, consider adding an adventure sports coverage add-on to your policy.
• Intentional Acts or Illegal Activities: Trip insurance typically does not provide coverage for losses or expenses incurred as a result of intentional acts or illegal activities. Any claims related to these activities will likely be denied.
• War or Terrorism: Most trip insurance policies exclude coverage for losses or expenses resulting from acts of war or terrorism. It’s important to understand the specific definition of these terms and their implications for your coverage.
• Carrier Bankruptcy: While trip insurance can provide coverage in the event of carrier bankruptcy, it’s essential to review the policy’s specific requirements and limitations. Coverage may vary depending on the timing of your trip and when the carrier bankruptcy was announced.
• Unattended Belongings: If your personal belongings are lost or stolen while left unattended, trip insurance may not cover the loss. It’s important to take reasonable precautions to ensure the security of your belongings.

These exclusions and limitations are intended to manage risk for the insurance provider and ensure that coverage is provided for genuine unforeseen circumstances. It’s crucial to carefully review the full terms and conditions of your trip insurance policy to understand the specific exclusions, limitations, and any other provisions that may affect your coverage.

If you have any concerns or questions about the exclusions and limitations of your trip insurance policy, it’s recommended to reach out to your insurance provider for clarification. They can provide the necessary information and help you make informed decisions regarding your travel coverage.

By understanding the exclusions and limitations of your trip insurance policy, you can better manage your expectations and ensure that you have appropriate coverage for the specific risks and situations you may encounter while traveling with American Airlines.

How to Purchase Trip Insurance for American Airlines

When it comes to purchasing trip insurance for your American Airlines travel, there are a few steps you can take to ensure you find the right coverage that meets your needs. Here’s a guide on how to purchase trip insurance:

• Evaluate Your Travel Needs: Start by assessing your specific travel needs. Consider factors such as the length of your trip, the destination, any pre-existing medical conditions, and the value of your travel investment. This will help you determine the level of coverage and the specific features you require from your trip insurance policy.
• Research Trip Insurance Providers: Look for reputable trip insurance providers that offer policies suitable for your travel needs. Consider factors such as their financial stability, customer reviews, and the range of coverage options they provide.
• Compare Coverage and Pricing: Request quotes from multiple trip insurance providers and compare the coverage and pricing of their policies. Pay close attention to the specific coverage areas that are important to you, such as trip cancellation, medical expenses, or rental car protection.
• Read the Policy Details: Before making a final decision, thoroughly read the details of the policy you are considering. Pay attention to coverage limits, exclusions, and any additional benefits or add-ons that may be offered. Ensure it aligns with your travel needs and provides sufficient coverage.
• Purchase the Policy: Once you have selected the trip insurance policy that meets your requirements, proceed with the purchasing process. This can typically be done online through the insurance provider’s website. Fill out the required information accurately and make the payment to secure your coverage.
• Keep Documentation Handy: After purchasing the trip insurance, make sure to keep a copy of your policy documents, receipts, and any other relevant documentation. This will be important in case you need to file a claim or refer to your coverage details during your trip.

It’s important to note that trip insurance should ideally be purchased soon after booking your American Airlines travel. This ensures that you have coverage in case any unforeseen events occur before your departure.

If you have any questions or need assistance during the purchase process, don’t hesitate to reach out to the trip insurance provider’s customer service for clarification or guidance. They can help you navigate through the policy options and provide the necessary information to make an informed decision.

Purchasing trip insurance for your American Airlines travel is a smart way to protect your investment and provide peace of mind. By following these steps, you can select a policy that suits your travel needs and enjoy a worry-free journey.

Traveling with American Airlines can be an exciting and enriching experience. However, unexpected events can sometimes disrupt our travel plans and leave us in a state of uncertainty. That’s where trip insurance comes in, providing a safety net and offering coverage for a range of unforeseen circumstances that could impact your journey.

In this comprehensive guide, we have explored the different coverage options typically offered by trip insurance for American Airlines passengers. We discussed the protection provided for trip cancellation or interruption, trip delay, lost or delayed baggage, medical expenses and emergency medical evacuation, travel accidents, and rental car protection.

It’s important to note that the specific coverage and terms may vary depending on the insurance provider and the policy you choose. Therefore, it’s crucial to carefully review the details of the policy before making a purchase to ensure it aligns with your specific needs and preferences.

We also discussed additional benefits and add-ons that you can consider to enhance your trip insurance coverage, such as travel medical insurance, cancel for any reason coverage, pre-existing condition coverage, adventure sports coverage, and identity theft protection.

Furthermore, we highlighted the exclusions and limitations that you should be aware of when it comes to trip insurance. Familiarizing yourself with these exclusions and limitations will help you manage your expectations and ensure that you have appropriate coverage for your specific travel circumstances.

To purchase trip insurance for your American Airlines travel, evaluate your travel needs, research reputable trip insurance providers, compare coverage and pricing, carefully read the policy details, purchase the policy, and keep all documentation handy for reference.

Ultimately, trip insurance provides valuable protection and peace of mind for your travels with American Airlines. It offers financial security, assistance in emergencies, and a safety net to protect your travel investment. By understanding the coverage options and selecting the right policy, you can travel with confidence, knowing that you’re protected against unforeseen events and ready to make the most of your journey.

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American Airlines Main Cabin Flexible Refund Policy Explained

Let’s talk about American Airlines Main Cabin flexible refund policy. If you recently booked a Main Cabin ticket on American Airlines and are wondering about the refund rules, you’ve come to the right place. American’s main cabin fares come with varying degrees of flexibility when it comes to getting your money back if your travel plans change.

If you’re short on time, here’s the key thing to know: American Airlines Main Cabin Flexible tickets are refundable without a fee in certain situations, making them the most change-friendly main cabin option the airline offers .

In this comprehensive guide, we’ll explain American’s Main Cabin Flexible refund policy in detail, including:

• What Main Cabin Flexible tickets are
• How they differ from other main cabin fares
• Steps for requesting a refund
• How refunds are processed

What Are American Airlines Main Cabin Flexible Tickets?

American Airlines Main Cabin Flexible Tickets are a type of fare offered by American Airlines that provides passengers with greater flexibility and convenience when it comes to making changes to their travel plans.

These tickets are designed to cater to the needs of travelers who may require more flexibility due to uncertain schedules or unforeseen circumstances.

Definition and Key Perks

American Airlines Main Cabin Flexible Tickets allow passengers to make changes to their flights without incurring hefty change fees. This means that if your plans change, you can easily modify your travel dates, times, or even destinations without having to pay additional charges.

This flexibility can be particularly beneficial for business travelers or those who have unpredictable schedules.

Furthermore, passengers with Main Cabin Flexible Tickets are granted priority boarding, allowing them to board the aircraft early and secure overhead bin space for their carry-on luggage. This perk is especially advantageous for those who prefer to have their belongings easily accessible during the flight.

Another key perk of Main Cabin Flexible Tickets is that they include a complimentary checked bag. This not only saves passengers money on baggage fees but also makes traveling more convenient, as they won’t have to worry about lugging their luggage through security or cramming it into the overhead bins.

Difference vs Other Main Cabin Fares

Main Cabin Flexible Tickets differ from other Main Cabin fares offered by American Airlines in terms of flexibility and benefits. While other Main Cabin fares may have certain restrictions on changes or additional fees for modifications, Main Cabin Flexible Tickets provide passengers with the freedom to adjust their travel plans without incurring extra costs.

Compared to Basic Economy fares, Main Cabin Flexible Tickets also offer additional benefits such as priority boarding and a complimentary checked bag. Basic Economy fares are typically more restrictive, with limited options for changes and no included checked baggage.

It’s important to note that Main Cabin Flexible Tickets may be priced higher than other Main Cabin fares due to the added flexibility and perks they offer. However, for travelers who value the ability to make changes to their flights without penalty and enjoy the convenience of priority boarding and a complimentary checked bag, the extra cost can be well worth it.

If you’d like to learn more about American Airlines Main Cabin Flexible Tickets and their specific terms and conditions, you can visit the official American Airlines website.

Steps for Getting a Refund on Main Cabin Flexible Tickets

How to request your refund.

If you have purchased a Main Cabin Flexible ticket with American Airlines and need to request a refund, the process is relatively straightforward. Follow these steps to initiate your refund request:

• Contact American Airlines Customer Service : Reach out to the American Airlines customer service team either by phone or through their website. Be prepared to provide your ticket information and explain why you are requesting a refund.
• Submit the Refund Request : Once you have reached the customer service team, they will guide you through the process of submitting your refund request. You may be required to fill out a form or provide additional documentation to support your claim.
• Provide Necessary Information: Make sure to provide all the necessary information, including your ticket number, contact details, and any supporting documents such as medical certificates or travel insurance claims.
• Wait for Confirmation: After you have submitted your refund request, American Airlines will review your case and determine if you are eligible for a refund. They will notify you of their decision and provide further instructions if necessary.

Remember to keep a record of all communication with American Airlines regarding your refund request, including the names of representatives you speak with and any reference numbers provided. This will help you track the progress of your request and provide any necessary information if there are any issues or delays.

Processing Timeline and Details

Once your refund request has been approved, American Airlines will process the refund. The timeline for receiving your refund may vary depending on several factors, including the original form of payment and any associated bank processing times.

In general, it can take up to 7-10 business days for the refund to be credited back to your account.

It’s important to note that American Airlines my deduct any applicable fees or charges from the refund amount. These fees can include cancellation fees, service charges, or any non-refundable portions of your ticket.

The exact amount of the refund will be determined based on the specific terms and conditions of your ticket.

If you have any questions or concerns about the refund process, it’s best to reach out to American Airlines customer service for clarification. They will be able to provide you with the most up-to-date information regarding your refund and address any concerns you may have.

Comparing Main Cabin Flexible vs Other Fare Types

When it comes to booking flights, it’s important to understand the different fare types offered by airlines. American Airlines, for instance, offers various fare options to cater to the needs of different travelers.

In this article, we will focus on comparing the Main Cabin Flexible fare type with other fare types offered by American Airlines.

Basic Economy

Basic Economy is the most budget-friendly fare option offered by American Airlines. While it may be the cheapest, it also comes with certain restrictions. Passengers traveling on Basic Economy tickets are not allowed to make changes or receive refunds.

Additionally, seat selection is not available until check-in and overhead bin space is limited . This fare type is ideal for travelers who have no plans to make changes to their itinerary and are traveling light.

The Main Cabin fare type is a step up from Basic Economy and offers more flexibility. With this fare type, passengers have the option to make changes to their itinerary, subject to applicable fees. American Airlines also offers a Main Cabin Flexible fare, which allows for even greater flexibility.

Passengers with a Main Cabin Flexible ticket can make changes without incurring any change fees, and they are also eligible for a refund. This is a great option for travelers who may have unpredictable schedules or want the peace of mind of being able to make changes if needed.

Premium Economy

American Airlines’ Premium Economy fare type offers additional comfort and amenities compared to the Main Cabin fare. Passengers traveling in Premium Economy enjoy extra legroom, enhanced dining options, and priority boarding.

While this fare type does come at a higher price point, it may be worth it for those seeking a more comfortable and premium travel experience.

First/Business Class Policies

For the ultimate luxury travel experience, American Airlines offers First and Business Class fares. Passengers traveling in these classes enjoy spacious seats, personalized service, gourmet meals, and access to exclusive airport lounges.

The refund and change policies for these fare types may vary, so it’s best to check with American Airlines for specific details.

Tips for Maximizing Refund Value

When it comes to maximizing the value of your refund with American Airlines’ Main Cabin Flexible Refund Policy, there are a few key tips to keep in mind. By following these suggestions, you can ensure that you make the most of your travel plans and get the best possible refund.

Watch Fare Differences Carefully

One important tip is to carefully monitor any fare differences when requesting a refund. American Airlines’ refund policy allows for refunds on non-refundable tickets, but there may be a difference in fare between your original ticket and the new one you choose.

It’s crucial to pay close attention to these fare differences, as they can impact the overall value of your refund.

In some cases, the fare difference may be minimal or even in your favor, resulting in a refund that covers the full amount of your original ticket. However, there are instances where the fare difference may be higher, resulting in a partial refund or even no refund at all.

It’s essential to be aware of these potential differences and factor them into your decision-making process.

Consider Alternatives Before Cancelling

Before canceling your flexible ticket and requesting a refund , it’s worth considering alternative options that may allow you to still travel and avoid the need for a refund altogether. American Airlines offers flexibility in its ticket change policies, allowing passengers to make changes to their travel plans without incurring hefty fees.

For example, if you’re unable to travel on your original date, you may be able to change your flight to a later date or even switch to a different destination within the same fare class. By exploring these alternatives, you can potentially avoid the need for a refund and still enjoy your planned trip.

Additionally, some travel insurance policies may provide coverage for cancellations or changes due to unexpected circumstances. It’s worth reviewing your policy to see if you’re eligible for any reimbursement or assistance.

Ultimately, by carefully monitoring fare differences and considering alternative options, you can maximize the value of your refund with American Airlines’ Main Cabin Flexible Refund Policy.

American Airlines Main Cabin Flexible Refund Policy – Conclusion

Hopefully, this guide has helped explain American Airlines’ Main Cabin Flexible refund policy. While the refundable perk comes with a higher fare, it can be worth it for many travelers who want maximum flexibility with their plans.

By understanding the airline’s various main cabin fares and the steps to request refunds, you can book an American Airlines ticket with confidence your investment is protected if you end up not taking the trip.

Jennifer Morris is an avid solo travel adventurer who founded Solo Traveller after many years of journeying on her own around the world. She has backpacked through over 50 countries across 6 continents over the past decade, striking up conversations with locals along railway platforms, learning to cook regional dishes in home kitchens, and absorbing a global perspective while volunteering with various community initiatives.

With a Masters in Tourism and Hospitality, Jennifer is passionate about responsible and meaningful travel that fosters cultural exchange. Whether trekking through the Atlas Mountains, sailing to Komodo National Park, or taking an overnight train across Eastern Europe - she is always seeking her next epic destination.

When not globetrotting, Jennifer calls Vancouver, Canada home. There she enjoys kayaking local waters, curling up with books on faraway places, and gearing up for her next solo backpacking trip. As the founder of SoloTraveller, she hopes to motivate and inform fellow solo explorers from all walks of life to take the leap into their own adventures.

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Have questions about purchasing trip insurance or filing a claim? Trip insurance is available to residents of the U.S., Canada and Mexico and insurance providers vary by country. Choose your country of residence to contact the provider regarding benefits, coverage and other services.

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From Canada or U.S. 866-520-8831 Collect 519-742-9013

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Refund Information

Refund requests for travel agencies

Address of AA Passenger Refunds

Bereavement and Critical Illness

Duplicate Ticket Refunds 

Government Transportation Request (GTR)

Military Waivers

Non-Refundable Ticket Exchanges

Refund Status Requests

Schedule Change or Flight Delay Refunds

Irregular Operations (IROPS) / Cancelled Flights Refunds

Taxes and Fees Refund Requests

Ticket Validity

Agencies are permitted to process a refund on a non-refundable ticket(s) when following the published guidelines as follows: 

·           Schedule Change  – flight delay of more than 240 minutes

·           Irregular Operations   (IROPS)  – flight delay of more than 90 minutes or cancelled flight

·           Customer must be Holding Confirmed (HK) at the time of the change

·           Travel Notice  – refer to specific event

·           Reduction/Suspension of Service  – refer to specific protection policy

Travel agencies who process unauthorized refunds are subject to a debit memo. American reservations sales representatives may not authorize exceptions to this policy. The waiver code is limited to 15 characters.

U.S. Agencies Processing through ARC

Process refund through your GDS:

·           Valid wholly unused, partially used tickets and tax only refunds should be processed via your GDS

ARC/IAR Refund Exchange Notification (REN):

·           If unable to refund through your GDS, you may process in your IAR/Refund Detail Screen

o     Input the applicable  waiver code  on the Refund Detail Screen

·           For assistance, contact the ARC Help Desk at 855-816-8003

International IATA agencies processing through BSP

o     If unable to refund through your GDS, contact your GDS help desk for assistance

BSP Refund Application (RA):

·           If necessary, you may submit a BSP Refund Application (RA)

o     Input the  Reason for Refund   and any applicable  waiver code  on the RA and include why you are unable to process through your GDS

o     For instructions on how to access IATA and use BSPLink, contact the local IATA/BSP office

Return to top

Refunds on duplicate tickets

Duplicate ticket refund fee applies.  Refer to  Duplicate Ticket Refunds .

All Refundable and Non-Refundable tickets are valid for one year from the date of issuance of the original ticket. Expired tickets have no value and cannot be refunded. Refer to  Ticket Validity .

The GTR must be returned to the government travel agency for refunds.

Refund requests associated with military orders should be submitted through  American's Refunds site

Non-Refundable Ticket Exchanges – AA 001

·           If the original non-refundable ticketed fare is of higher value then the new-ticketed fare unless stated otherwise in the fare rule, the customer is entitled to the residual amount

·           The applicable change/penalty fee may apply on non-refundable ticket exchanges and is deducted from the residual value (difference in fare amount).  See fare rules for fee information

·           The new ticketed fare is non-refundable and all rules and restrictions apply

·           U.S. agencies processing through ARC

·           A residual MCO is issued for the remaining value after applicable fees have been deducted from the original ticket value  

·           The residual MCO must be made payable to American Airlines for transportation only. Show "NON-REFUNDABLE, VALID ON AMERICAN AIRLINES ONLY" in the endorsements box. Failure to include this information on the MCO may result in a debit memo

·           Refer to   MCO Charge Order (MCO)   for complete details.

·           International IATA agencies processing through BSPLink

·           After applicable change/penalty fees are deducted from the difference of the fare, a refund may be submitted for the remaining value. See fare rules for fee information

·           A BSP Refund Application (RA) for the remaining residual amount may be requested to American Airlines for a transportation voucher

·           Refer to  BSP Refund Application RA Residual  for complete details

·           Non-Refundable Ticket Endorsement Documentation

·           Non-Refundable Ticket Endorsement Per the Tariff rule/restrictions, ALL non-refundable tickets reissued, must indicate the following in the endorsement box:

ENDORSEMENTS/RESTRICTIONS- NONREF/CHGFEEPLUSFAREDIF/ CXL BY FLT TIME NOVALUE

Tickets issued with a corporate discount, the tour code box must indicate the CART/AN number or JBID as indicated in the contract via the Exchange/Reissue tool, or via the back-office finishing tool. Failure to include the required corporate information could result in a penalty

Refund Due to Schedule Change for a Flight Time Change

  In case of a schedule change when there is a flight time change, travel agents should refer to our  Schedule Change guidelines  for refund applicability and instructions:

Refund Due  to Irregular Operations (IROPS)/Cancelled Flights

If a customer's American or AA*/codeshare flight validated on 001 has been canceled due to an Irregular Operations (IROPS), which normally occurs on the day of departure, but can occur up to 72 hours prior to the schedule departure, and no other alternate flights are acceptable, travel professionals may refund a nonrefundable ticket(s) through normal GDS, ARC, or BSP processing per the guideline below:

Note:   If the ticketed scheduled flights were voluntarily cancelled prior to an Irregular Operations (IROPS), the ticket will not be eligible for a refund

Refund all ticket types following  Irregular Operations (IROPS)   guidelines:

·           Refund to Original Form of Payment – Allowed

·           Travel Agent to Process Ticket Refund to Original Form of Payment (FOP) using Waiver Code :  SCRFND

Note:  If the Revenue/Published/Basic Economy or Bulk/Opaque ticket has been  EXCH  by AA as an INVOL the refund request must be submitted on  American’s Refunds site

Once the agency has accepted and reissued the ticket for the Irregular Operations (IROPS) in the endorsement box on the new ticket, and the customer decides not to travel:

·           Refund is permitted when the original schedule change was greater than 90 minutes and the customer was Holding Confirmed (HK) at the time of the irregular operations

·           Refund is permitted when the flight was cancelled due to irregular operations and the customer was Holding Confirmed (HK) at the time of the irregular operations

Bereavement or Critical Illness

Tickets may be considered for refund in the event of the death of the customer, immediate family, or traveling companion. American requires proof of relationship for immediate family member.

For complete details refer to  Bereavement and Critical Illness Exception Policy

Refund of Taxes and Fees

Select U.S. taxes may be refunded for a non-refundable ticket if the ticket is entirely unused.  Please review   Tax – Non-Refundable Tickets - Refundable U.S. Tax Codes .

In cases where a travel agency is unsure of the refund value to be refunded, a Refund Application must be submitted via BSP as we are unable to pre-audit requests via email. Please ensure the passenger is aware that the remaining ticket value is forfeited once the refund has been issued.

For nonrefundable tickets upon request, American will refund taxes and fees not imposed by the airline, collected at the time of sale of nonrefundable tickets that are not used for travel, as follows.

·    For non-refundable fare tickets, any surcharge/Q/ or service fee/YQ YR/ that has been collected will be nonrefundable.

·    Taxes or fees will not be refunded if the airline's obligation to remit the tax or fee arises by virtue of its collection of the tax or fee (as opposed to actual travel by the passenger).

·    Taxes or fees will be refunded if the airline's obligation to remit the tax or fee depends upon use of the ticket for travel.

Refund requests for travel agencies with NO access to ARC or BSP or passengers who purchased a ticket directly with American Airlines :

·           Refunds must be submitted using the online refund form at   American’s Refund site .   Information contained on this website is subject to change at any time without prior notice. American Airlines shall not be liable for any consequences resulting from your reliance on the information.

Refunds Customer Service Address – U.S./ Canada

American Airlines Passenger Refunds 4000E Sky Harbor Blvd. Phoenix, AZ 85034

Fax Number U.S.  1-800-892-3447 International  480-693-2759

[email protected]

Refunds Customer Service – International

[email protected]

Updated:   January 2023

Leniency in basic economy: TPG readers share success stories and tips

When it comes to booking basic economy, it can feel like you've kissed goodbye to your expectations for an average flight experience — and not in a good way. You board the plane last. Your backpack counts as luggage. You can't select your seat beforehand. You usually don't earn elite-qualifying miles or spend credit, and you almost certainly won't get a refund for your ticket if anything goes wrong.

Most seasoned travelers avoid basic economy fares like the plague. But every now and again, in rare situations, this fare class has its time and place. And once in a while, airlines make exceptions for troubled travelers on a case-by-case basis.

TPG reader Collin P. recently helped a friend book a replacement flight after she mistakenly switched her departure and arrival cities when buying her basic economy ticket. She didn't discover her error until three weeks after the purchase — mere days before her departure date. Collin came to her rescue with points and cash for separate last-minute booking, and even went the extra mile to submit a refund request for her original ticket on her behalf.

"It never hurts to ask nicely," Collin told TPG Lounge members . "I knew this was a long shot, but I went online and submitted the information regarding her ticket, and explained the mistake that had been made. To verify it was legit, I included the booking codes for her new flights with American Airlines to show we had made a new reservation [on the same airline] for the same dates. Within two days, my friend got an email from AA saying they were refunding her basic economy, non-refundable ticket in full! I was amazed they did that for a mistake."

Collin has it right: it never hurts to ask, and to ask nicely. In this particular case, American Airlines may have been swayed toward generosity by the fact that both tickets were purchased through the same carrier. Or perhaps Collin's messaging hit just the right sweet spot of courtesy and appeal to sway a customer service agent toward leniency. Whatever the cause, TPG readers chimed in to share their own anecdotes of both success as well as failure.

Several have found similar success with American Airlines. "I always fly American because I live outside of Philly," Paul Loux said. "I've done this a couple of times, and have called and switched the tickets with no issues or fees. They have actually canceled the tickets for me before rebooking as well."

Alice Hendricks concurs: "American Airlines, not always as bad as their reputation."

And TPG reader Brian Smith had a friend who booked a Delta basic economy flight from Nassau to Louisville, with a layover in Atlanta. "She wasn't paying attention and thought her connection was at 11 a.m., but it was actually 11 p.m.," Smith told TPG. "[Delta] let her change the connection to a much more convenient time."

Politeness goes a long way

It never hurts to dust off your manners when you reach out to an airline for help with an itinerary — and that never holds truer than for travelers holding a basic economy ticket.

"Being nice can definitely go a long way," Michael Marquez said. "American Airlines rebooked my trip to Rome last year after I mistakenly booked my connection in Heathrow, and out of Gatwick with only a two-hour layover. [The customer service agent] saved me a massive headache, and lots of money as well."

Sometimes a compassionate customer service representative will take pity on your plight. Tracie McKee mistakenly booked a Vegas flight for the wrong day. "I didn't notice this until the day before I was supposed to leave," she told TPG. "I called customer service and they, very kindly, changed it to the right day and only charged me the $30 difference in fare, and not the change fee." Something similar happened to Ann Branson: A kindly Southwest agent allowed her to change tickets without paying the higher price on the new dates.

"Each airline has an exception policy, and supervisors have reasonable discretionary powers to change things," Satyendra Singh said. "If you present your case genuinely, they do their best to help. Waiving change fees are the easy [requests to fulfill]."

Address the problem as soon as possible

Just in case you didn't know, the US Department of Transportation requires that US airlines either allow passengers to put a 24-hour hold on a quoted fare without payment, or offer a refund in the original form of payment if a cancellation is made within 24 hours of booking. Anything beyond that is at the airline's discretion to offer as a courtesy, although they're in no way obligated to do so. Every now and then, a carrier may surprise you.

TPG reader Paul Redifer found unexpected leniency from United Airlines when he booked a Budapest flight in basic economy. "I was supposed to have a Budapest arrival and Prague departure, with connections both way via Frankfurt. But I accidentally made [the booking] both in and out via Budapest," he told TPG. "I contacted United about it a week after booking, and they rebooked it; the change charge was $300 for each ticket, but they gave me a $199 eTicket credit for both tickets, so [it] only cost me $200 total. Much better than I thought it would end up costing me. The ticket agent told me that if I had called 2-3 days after booking they probably could have made the change with even less of a charge, sounds like they have some flexibility to address mistakes if you realize it right away."

Show them the logic

Giovanni Hashimoto told the TPG Lounge that "American Airlines customer service agents are usually very helpful and flexible in my experience; they're happy to waive charges for you if you give them a plausible justification."

Paul Patino agreed, sharing an anecdote from his personal experience begging United Airlines for leniency on a nonrefundable basic economy ticket. "I told customer service that I'd immediately rebook — which I did — and they accommodated me. I just treated the customer service representative pleasantly, with both respect and gratitude."

Patino's experience above was echoed by other TPG readers like Wendy Fongolia, who shared that her husband's airline gave him a refund when he rebooked a new ticket through the same airline at the current price. Jorge Balmaseda said that Delta has never given him any problems when he occasionally messes up his bookings between Fort Lauderdale and La Guardia Airport in New York. He did add the caveat, however, that "it probably doesn't hurt that I'm a Million Miler Delta Diamond."

Health issues 

For health-related cancellations, rely on trip protection insurance from a premium credit card; independent travel insurance ; or a Freebird flight protection plan , starting from $19 one-way per person. And read up on airline bereavement allowances if applicable.

While health concerns should not be exaggerated or exploited for personal gain, some airlines are really proactive about offering assistance to customers who find themselves in a tight place.

Randi Henson Koopmans told TPG that she booked a basic economy flight for her mother in law — who ended up in the hospital soon afterward. "After some paperwork submissions," Koopmans said, "the airline changed her flight for free. I was so thankful they did!"

And when Ann Bates's grandmother passed away, she accidentally booked a pair of round-trip tickets going the wrong way amidst the hassle of traveling for different religious services and the burial. "Alaska waived all the change fees," she told TPG. Sandy Sung reported that Delta similarly refunded basic economy tickets for her family due to a loss in the family.

If at first you don't succeed, try again

Quynh-Dao Phan told TPG that, while he had successfully been refunded the miles for a recently canceled award redemption trip, American Airlines erroneously credited his miles without refunding several associated fees. "I explained to them it was due to a family medical issue," he said. But although the agent over the phone was unable to help, Phan told TPG that the agent "suggested I email instead. So emailing [customer service] may be another option if calling doesn't work."

Pummi Dulku's experience proves that, in cases of ambiguity, it's worth trying for recourse another way. "We had a emergency with our two year old who had an ear infection," Dulku told TPG. Their pediatrician doctor advised the family not to fly, so the family called American Airlines requesting assistance for the one family ticket that had been booked in basic economy. The reservations hotline told Dulki that "nothing could be done as far as keeping the credit. So I contacted customer relations via email and explained the situation — and a few days laterk I got a very nice letter back. The agent was very nice and empathetic, and also gave us a credit to use on a later flight."

When all else fails...

Of course, every customer service success story has its counterpart. Yuri Herrera told TPG that a friend booked roundtrip American Airlines flights through the Chase Ultimate Rewards portal, and accidentally picked the wrong outgoing date. "More than $600 later, he corrected the mistake — and he had to discuss [the situation] with Chase, not American Airlines."

At the end of the day, the stories above are encouraging to hear: If you make a mistake in good faith, it's always worth the effort of nicely asking the airline to consider the circumstances surrounding your booking. Be flexible on potential outcomes — it may be easier for customer service to offer you a voucher toward future travel, for instance, rather than offering a refund to which you're not entitled in the first place. At the end of the day, you're asking for a goodwill gesture from the airline, which isn't obligated to dip into its bottom line to rectify your purchase error.

How to refund a nonrefundable airline ticket

B ooking flights for a big vacation months in advance can be tricky. It can leave plenty of opportunity for something unexpected to pop up, putting you in a situation where you'd like to change or even cancel your reservation .

Unexpected events can include an illness, a work conflict or a family emergency.

You might also find better airfare and wish you could cancel and rebook at a lower price (hint: often, you can).

Though most airlines don't have the ultraflexible policies they temporarily offered at the height of the COVID-19 pandemic, there are a lot more ways to change a ticket penalty-free than there were a few years ago.

Certainly, purchasing a fully refundable ticket is one way to ensure you can get your money back if something goes wrong. However, it may cost more and isn't always an option.

In some cases, though, you still have options even if you purchased a ticket that's technically nonrefundable.

Take advantage of fewer change fees

One positive change that emerged from the pandemic was that some airlines no longer charge change fees for main cabin tickets and above.

While Southwest Airlines has long been known for not charging change fees, other carriers like American Airlines, Delta Air Lines and United Airlines have also abandoned change fees in recent years, at least for most ticket classes.

This means if you run into an unexpected hurdle and your original itinerary doesn't work for you, you should be able to rebook without paying a fee. However, if your new ticket costs more, you'll typically have to pay the difference between your old ticket and your new one.

Also, this flexibility isn't typically extended to travelers flying on a basic economy ticket or with a budget airline, so check the specific terms of your fare (note that newcomer Breeze Airways , which brands itself as a "nice low-cost carrier," doesn't charge change or cancellation fees).

Of course, changing your ticket is one thing. What if you simply can't travel at all?

Qualify for a refund under federal policy

This one is pretty straightforward but incredibly important. If your flight is canceled, you are entitled to a full refund if you ultimately decide not to travel.

For domestic flights and international flights departing or arriving in the U.S., you're covered by the rules of the U.S. Department of Transportation. The DOT's website indicates that if your flight is canceled — no matter the reason — you are entitled to a full refund back to your original form of payment for the unused portion of your itinerary.

This applies to flights that are significantly delayed or have a significant schedule change, although DOT policy doesn't specify what constitutes such a disruption.

Cancel and take a flight credit

Consistent with many airlines' policies to eliminate change fees, a lot of carriers will now let you cancel even "nonrefundable" tickets for flight credit.

You won't get your cash back, but you'll receive credit for what you paid, which you can use to rebook your canceled trip or book a future trip.

Again, this usually isn't the case for basic economy tickets or flights on ultra-low-cost carriers , but it can be a useful option if you find a lower price on airfare and want to rebook yourself or have unexpected circumstances arise.

For example, American's policy will allow you to use trip credit in the future as long as your new trip begins no later than one year from the ticket's original issue date and as long as you canceled the original trip before the flight departed.

Delta will also let travelers apply the value for nonrefundable tickets via e-credit for full-fare economy (main cabin) and above. In fact, Delta will even partially refund basic economy tickets minus a cancellation charge.

United will issue future flight credits "if you cancel your trip or change your flight to a less expensive one."

Southwest gives flight credit, at a minimum, for canceled trips of any fare class as long as you cancel at least 10 minutes prior to departure.

Did you book using points or miles?

On many airlines, award tickets booked with frequent flyer miles are fully refundable, and the associated taxes and fees often are, too.

Check the terms of your airline's loyalty program and your specific ticket to make sure you won't be charged a fee to redeposit the miles. If you booked using points or miles, you should be able to get them credited back into your frequent flyer account.

Some airlines may charge a fee to redeposit the points, but that's less common today, too. Similar to airlines that give you flight credit for canceled reservations, this is one option you can use to take advantage of a better deal if the award price drops after you book .

Tell the agent what's going on

Sometimes the truth can go further than you think. Many airlines are understanding and want to try to help you out if they can.

A few years ago, a friend of mine planned a vacation to Cancun, but a medical emergency forced the family to put the trip on hold. JetBlue was extremely understanding of the situation and issued all 16 passengers travel vouchers for the full amount paid, and no fees were charged. Although the family was fully prepared to send in a doctor's note, JetBlue did not even ask for one.

At the time, JetBlue would have normally charged $75 per person to change the tickets, which means the family saved $1,200.

Fortunately, today, JetBlue does not charge a change fee for full-fare economy tickets and above, though you will pay at least $100 to change a Blue Basic ticket.

Check to see if you booked with a credit card that has travel insurance

There are a number of travel credit cards that include travel insurance protections, which can help offset unexpected costs incurred when you have to cancel a trip.

Cards like The Platinum Card® from American Express , the Chase Sapphire Reserve Card and others have trip protections that, in some cases, might allow you to make a claim and get reimbursed for expenses when you have to cancel — provided that it's for a covered reason.

Keep in mind these types of protections can also cover unreimbursed expenses if, say, you have to spend an unexpected night in a hotel (with ground transportation to and from the hotel) because of an overnight flight delay. Generally, the one huge caveat is that you must have booked all elements of the trip with that card.

If you paid with a card that has trip protection and qualifies for reimbursement on your card's insurance plan, this is where the card can really pay for itself.

Don't forget about third-party travel insurance

If you think there's a reason you might end up needing to cancel your trip and either don't have a credit card with trip protections or want even more coverage, you can always consider purchasing a travel insurance plan .

Comprehensive plans will generally reimburse you when you need to cancel a trip for a covered reason. You'll also have the option to add protections like supplemental medical coverage during your trip.

The sooner you purchase the plan after making your first trip payment, the better. Many plans won't cover health conditions or cancellation for named storms or other circumstances that exist before the plan is purchased. So, generally speaking, the sooner you purchase the plan, the more things it'll cover.

You can also purchase cancel-for-any-reason insurance plans, but they can be pretty expensive.

That being said, anything you pay in a premium will eat into the cost savings you get from a refund. So, this is generally a better bet for your long-haul business-class ticket to Europe or Asia and less so for your coach ticket to Florida.

Bottom line

There may be cases where a nonrefundable ticket truly is nonrefundable.

However, with more flexible airline policies, federal refund policies and travel insurance plans or cards with insurance, don't automatically assume you're out of luck if you need to cancel a trip just because you booked a nonrefundable ticket.

Related reading:

• Key travel tips you need to know — whether you're a beginner or expert traveler
• The best travel credit cards
• The 18 best places to travel in 2023
• 6 real-life strategies you can use when your flight is canceled or delayed
• 8 of the best credit cards for general travel purchases
• 13 must-have items the TPG team can't travel without

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Through checked bags

No; we’ll only through check bags if all your tickets are in the same reservation and you are connecting to another American Airlines or one world ® flight.

Paying for bags online

Yes, if you buy your ticket on / after February 20, 2024, you can save on your 1st checked bag fees on American Airlines marketed and operated flights for travel within and between the U.S., including Hawaii, Alaska, Puerto Rico and U.S. Virgin Islands.

You can only pay for bags online starting 24 hours and up to 4 hours before departure if you're flying within and between the U.S., including Hawaii, Alaska and select Caribbean cities.

For departures from Dallas Fort Worth, TX (DFW) or Washington Reagan National, DC (DCA) you can pay up to 2 hours before your scheduled departure.

You can't pay for bags online if you're waitlisted, standing by for another flight, or had a flight disruption and you haven’t confirmed your new flights.

You can pay for up to 3 checked bags per person on aa.com or in the app when you check in. We'll send an email confirmation with instructions on where to drop bags at the airport.

If you are checking more than 3 bags per person, you can add more at the airport according to the max permitted for your trip.

No, after you paid for bags online you can’t add more later. You can check more bags at the airport according to the max permitted for your trip. Checked bag fees may apply.

You can only pay for bags on aa.com, in the app or at the airport.

Yes; indicate you plan to check bags when you check in on aa.com or in the app. Our system will recognize your applicable complimentary bags.

Yes. You can pay for up to 3 bags per person on the same reservation. For example, 4 passengers can pay for a total of 12 bags.

Yes, when they travel on a military fare, but do not have the option to pay for bags online. If you’re not traveling on a military fare show your military ID at the check-in counter to receive free bags.

The standard bag refund policy would apply.

You must pay carry-on pet fees at the airport.

No. If you pay for your bags online the bag fees are non-refundable.

You can make changes to your flight based on the rules of your ticket. Checked bag fees will carry over to your new trip in most cases.

Checked bag fees you paid are non-refundable if you cancel your trip and if you buy or get an upgrade that includes free checked bags.

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Learn how to request a refund or receipt

You have up to 24 hours from the time you first buy your ticket for a refund if you booked at least 2 days prior to departure. The 24-hour refund policy applies to all ticket types, but you have to cancel the trip to get a refund.* Reservations booked as part of group block do not qualify for the 24 hour refund.

Refunds will be issued in full amounts, less:

• Sale-imposed non-refundable taxes
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*If you bought your ticket through a travel agency or another booking source, contact them for a refund.

If you bought your American Airlines ticket directly from us, you can request a refund online. We'll process your refund back to the original credit card within 7 days (it should appear on your statement in 1-2 billing cycles). For cash and check purchases, we’ll process your refund within 20 days after receiving a complete refund request.

Keep in mind, refund requests must be submitted while your ticket is valid – 1 year from the original ticket date. We will not process refunds on expired tickets.

If you bought your ticket from a travel agent or a website like Expedia, please contact the agent or travel site directly.

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We do not refund cash for non-refundable tickets.

We will refund a non-refundable ticket to the original form of payment if:

• You cancel within 24 hours from the time you first buy your ticket*
• There is a schedule change of more than 4 hours and you decide not to travel
• There is a schedule change of 90 minutes or more within 72 hours of your scheduled departure time and you decide not to travel
• There is death of the passenger / traveling companion
• Military orders / change in duty

Refunds will be made to the original form of payment. Supporting documents may be required.

You may be entitled to a refund of some taxes included in the price of your ticket:

• Upon written request, taxes or fees not imposed by the airline that are specific to destinations can be refunded
• Taxes or fees won't be refunded if American has an obligation to pay regardless of travel
• Refundable taxes and fees will be refunded to the original form of payment

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*Must be booked at least 2 days before departure.

If you're an AAdvantage ® member and canceled your flight on or after January 17, 2024, you can receive a travel credit, minus a Basic Economy cancellation fee. To qualify, your AAdvantage ® number must be in your reservation and your trip must be:

• Booked in the U.S. directly through American
• Traveled wholly within the 50 U.S. states
• On American Airlines marketed and operated flights
• Canceled on aa.com or in the American app before your first flight departs

If you cancel a trip that has already begun, the ticket loses any remaining value and cannot be used for future travel.

Ticketing and other fees

Yes, you can apply the unused value of your ticket towards future travel on American, depending on the fare rules.

• If you cancel your trip on aa.com before departure, we will cancel your ticket and issue a Trip Credit. Your Trip Credit will be valid until the date listed on the credit.
• If you cancel your trip through any other channel, we will cancel your ticket and issue a Flight Credit. When using your Flight Credit travel must begin within 1 year from the date your ticket was first issued. You may be charged a change fee and any difference in ticket price.

Keep in mind, you must cancel your original ticket before the first flight departs, or the ticket will lose any remaining value and cannot be used for future travel.

Travel credit terms and conditions

If the product or service you paid for was provided on an alternate flight, no refund will be provided.

However, these products and services are eligible for a refund if you’re unable to use them:

• Bag fees (refund does not apply to bags bought online)
• Priority boarding
• Same-day flight change or standby

You can request a receipt for most tickets booked in the past 9 months. Simply enter the 13-digit ticket number and the passenger last name.

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It may take up to 72 hours or more for your transaction to appear. Be sure to verify the requested information including your date of purchase, last four digits of the credit card, and last name.

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How Does Flight Insurance Work, and Is It Worth It?

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Table of Contents

What is flight insurance?

What does flight insurance cover, what does flight insurance not cover, how do i get flight insurance, should i get flight insurance, flight insurance on award tickets, is flight insurance worth it.

Flight insurance covers flight expenses only — lodging, rental cars, etc. are not covered.

You can purchase standalone flight insurance from a third party or from the airline itself.

Your qualifying expenses are only reimbursed if a covered reason affects your flight.

You might already have sufficient flight insurance through your credit card.

Whether you’re booking a flight with cash or miles, flight insurance can help you get your money or miles back if your trip is unexpectedly canceled or delayed. Here’s what you need to know to decide if flight insurance is worth it for your trip.

Travel insurance terminology can get confusing. To keep things simple, when we refer to flight insurance, we mean insurance that will protect your nonrefundable flight that was paid for in cash or with miles.

Generally, flight insurance is offered when you:

Purchase a comprehensive travel insurance policy through a travel insurance provider (i.e. TravelSafe , Berkshire Hathaway , etc.)

When you use a premium travel card (that offers complimentary travel insurance) to book your flight.

Are buying a flight and get an option to purchase the airline’s trip insurance during the checkout process.

Since flight insurance specifically covers your flight, it can be a good option if you need to insure only a flight but no other aspects of your trip. For example, you buy a nonrefundable flight to visit family — you'll be staying with them, and you don’t need to book a hotel, car rental or excursions. Flight insurance might be sufficient for this type of trip, and buying a comprehensive travel insurance plan might be overkill.

» Learn more: Is travel insurance worth it in 2024?

Whether you’re getting flight insurance through a comprehensive travel insurance plan, your premium credit card or as an add-on from the airline, there are a few common types of coverage that may be included. Naturally, coverage amounts and limits will vary by policy and/or credit card.

Here’s an example of what coverage is included on a flight insurance plan offered by United Airlines when purchasing a flight.

The flight insurance add-on is provided by Travel Guard and costs $14 to insure a $213 flight. The plan includes: a flight refund (i.e., trip cancellation insurance) if you cannot travel for a covered reason, lost baggage coverage, as well as coverage for flight cancellations and missed connections.

There's a notice posted for residents of Washington and New York, so if you live in one of those states, the coverage may differ.

» Learn more: What to know before buying travel insurance

Trip cancellation insurance

Trip cancellation insurance will reimburse you for prepaid, nonrefundable expenses if your flight is canceled for a covered reason. In the event you use your premium travel card from American Express or Chase to book your trip with points or miles, the trip cancellation insurance that comes with these cards will reimburse you in cash for the value of the points you used.

Notably, trips booked with an American Express card are only covered when booked as roundtrips. If you have a travel card with American Express, you’ll want to check the benefits guide for your card because that's where this caveat is located, and it's easy to overlook.

If you purchase a comprehensive travel insurance policy or an airline add-on policy, you typically will be reimbursed for the full cost of your flight, up to the policy maximums.

» Learn more: The best travel insurance companies

Trip delay insurance

This coverage kicks in if you’re delayed during a trip and you incur expenses as a result. Each policy details the reimbursement amount that is allowed, along with how long the delay must be in order for the trip to qualify.

For example, say you’re going on vacation and you have a connecting flight with a layover. An approaching snowstorm in the connecting city delays your flight, and after hours of waiting in the airport, you find out your upcoming flight is delayed until the next morning . Now you need a hotel room, toiletries, dinner and breakfast the next morning.

If you have trip delay coverage, you will be reimbursed for all of these expenses, as long as the delay exceeds a certain number of hours and you remain within the allowed daily monetary limit. For the United policy shown above, you will be covered up to $500 if you miss your connecting flight due to inclement weather or a delay of your original flight.

According to Squaremouth, a travel insurance comparison site, not all travel insurance policies offer coverage for missed connections, so if you’re booking a flight that has connections, you’ll want to pay attention to this benefit.

» Learn more: Chase trip delay insurance: What to know

Lost-luggage insurance

If you have lost-luggage insurance, you'll be eligible for reimbursement for your luggage contents if your luggage is lost, damaged or stolen during a trip. In the event of damage, the reimbursement would be for the cost to repair or replace, whichever is lower.

Lost-luggage coverage will likely include an overall limit as well as a per-item limit, and a separate limit for expensive items. We examined a flight insurance add-on offered by American Airlines and found that the baggage loss coverage had a limit of $300. If your luggage or its contents cost more than $300, that limit may not be sufficient for you.

» Learn more: Baggage insurance: How it works, what to know

Although flight insurance offers many protections, it's important to be aware of what may not be covered. Some examples of things that aren’t covered include:

Change of mind: If you cancel a flight because you change your mind about going, that won't be covered. The cancellation must be for a covered reason (i.e., too sick to travel and you have a doctor's note, job loss, inclement weather, etc.).

Expensive luggage: As detailed above with the American Airlines policy, the lost-luggage coverage is capped at $300. If you’re traveling with high-end luggage or your the contents of your luggage exceed that amount, anything above $300 won't be insured if the luggage is lost or damaged.  

Medical evacuation: This type of coverage generally kicks in when you have a medical emergency during your trip and you need to be transported to the nearest medical facility. This type of coverage goes beyond a flight and is a benefit more likely to be included in a comprehensive insurance policy.

A comprehensive travel insurance policy will typically include medical evacuation and higher limits for luggage coverage.

If you’re looking for coverage that goes beyond your flight, you’ll want to look into a standalone travel insurance policy, a credit card that offers travel insurance or the Cancel For Any Reason (CFAR) travel insurance add-on to a comprehensive policy. This optional additional coverage will allow you to cancel your trip for any reason and get the majority (up to 75%) of your nonrefundable trip costs reimbursed.

» Learn more: The guide to Cancel For Any Reason (CFAR) travel insurance

If you’re planning a trip and decide to insure your flight, you’ll first need to determine what type of policy will provide the coverage you need. There are a few ways to protect your flight:

Purchase a standalone travel insurance policy

A comprehensive travel insurance policy will include the most benefits, including trip cancellation, trip delay, baggage loss , emergency medical , repatriation and more. Providers that offer comprehensive travel insurance plans include Seven Corners , World Nomads and Allianz .

Use the complimentary travel insurance provided by your credit card

Many travel cards offer complimentary travel insurance protections that are similar to those offered on standalone travel insurance policies.

However, the limits are usually lower, medical costs may not be included, and the entire trip must be charged on the same card to receive coverage.

Here are a few examples of cards with travel insurance benefits:

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

Purchase the airline’s travel insurance add-on when buying a flight

When you buy your flight from an airline (in cash or miles), you may see an option to purchase trip insurance during the checkout process. As examples, United offers a flight insurance option provided by Travel Guard, while American Airlines’ flight insurance provider is Allianz. Trip protections may include trip cancellation, trip interruption and trip delay, as well as coverage for lost bags.

Since coverage will differ between airlines, you’ll want to be aware of any restrictions. One common theme among the policies is that the protections are only valid if your trip is canceled or delayed for a covered reason, such as a natural disaster, illness, death or other extraordinary event.

NerdWallet recently reviewed travel insurance policies to help you choose the plan that provides the best travel insurance for your trip .

» Learn more: Comparing travel insurance options: airline or credit card?

If you have a credit card that provides some form of travel insurance, the coverage limits may be enough to protect your flight. If you don’t have one of these cards and your trip only includes a nonrefundable flight, purchasing the travel insurance add-on from the airline when booking your flight may provide sufficient coverage.

However, if your trip also includes a hotel and other nonrefundable bookings, you’d be better off with a standalone travel insurance policy or relying on your credit card coverage (if the limits are sufficient and your entire trip was booked with the card).

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

If you use airline miles to book an award ticket, the flight insurance offered during the checkout process typically covers a redeposit of your miles back to your frequent flyer account if the trip is canceled.

Comprehensive trip insurance policies and credit card travel insurance will reimburse you for the taxes and fees paid on award tickets but may not cover the miles.

Make sure to check your policy if booking with points; some comprehensive and credit card plans will reimburse you for "redeposit fees" that the airline will charge you to get your miles back (if you didn’t purchase their add-on protection). That redeposit fee reimbursement allows you to get your miles back.

» Learn more: Does travel insurance cover award flights?

If you’re interested in insuring only your flight, you have many options to choose from.

For tickets purchased with cash, comprehensive insurance plans, premium travel credit cards and airline trip insurance will cover your nonrefundable flight costs. Award flights that are booked with miles could benefit from any of the three options if redeposit fees are part of the coverage.

If you want to be able to cancel your flight for any reason whatsoever, CFAR will protect most of your nonrefundable trip deposit, but it is also more expensive and only available as an add-on to a comprehensive travel insurance plan.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.