Source: The Points Guy
Summary
Nicolas E. shared his experience with American Express baggage insurance claim denial due to a small detail. His wife’s suitcase was damaged during a trip, and they filed a claim with Delta, which was denied. They then submitted a claim with American Express, using their Delta SkyMiles Amex card, but it was also denied because the suitcase was checked under their 12-year-old son’s name. The family had redeemed Delta miles for their son’s ticket, so he wasn’t covered by the card’s baggage insurance.
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The trip promises a break.
Nicolas and his family learned that a minor detail, the name on a checked bag, can affect a credit card insurance claim. They used their Delta SkyMiles Amex card for their airline tickets, but the damaged suitcase was checked under their son’s name. The claims administrator treated the baggage tag as evidence that the suitcase was associated with their son, who wasn’t considered a covered traveler under the card’s baggage insurance benefit. The family had to rely on the manufacturer’s lifetime warranty to repair the suitcase.
The escape is carefully planned, but the details can still go wrong.
Author: Evan Null
