Just got of the phone with Chase, said they only cancel due to weather, mechanical or strike.
Chase doesn't know what covers and what doesn't. They will redirect anyone filing a claim to a third party company called Crawford. You fill out the claim thru Crawford who then claims in with the insurance company Chubb. The following is part of the email I got from Chubb explaining legit reasons to get reimbursed.
Trip Cancellation/ Trip Interruption insurance reimburses you or your Immediate Family Members for each Covered Trip if a Covered Loss prevents you or your Immediate Family Members from traveling on or before the departure date and results in cancellation of the travel arrangements.
Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your Account:
Covered Loss means one of the following events that occur when you or an Immediate Family Member is insured under the policy and the event causes cancellation of the travel arrangements:
· Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion
· Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip
· Change in military orders for you, your Spouse, or your Domestic Partner
· A terrorist action or hijacking
· A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
· Finding your or your Traveling Companion’s dwelling to be uninhabitable
· Quarantine imposed by a Physician for health reasons
· Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked