I think it must have been almost a decade since I have heard of this amount of snow falling in Texas. I have seen perhaps an inch during the time I lived in Austin, but over 7 inches of snow fell in parts of Texas and other parts of the South over the past week.
Blame it on climate change, or maybe we are just getting a white Christmas EVERYWHERE this year, but surprising weather events seem to happen more frequently that often times may impact your travel plans.
While we often focus on earning points and miles and finding deals with the right credit card, some of these cards also offer protection on the things you purchase, and travel is often covered under higher end cards that often offer excellent travel rewards.
If you use a specific credit card to pay for a portion to the whole cost of travel, you are entitled to the travel protection program outlined in that specific card. Chase, Citi, and Barclaycard offers the most comprehensive coverage on travel, with both accident/medical coverage, as well as travel delay compensation, while American Express historically lagged in the service as a complementary feature to their credit cards, they do offer travel insurance coverage as a paid service if you look closer.
Chase offers some of the best coverage, with some of their mid to high end cards offering up to $10,000 compensation on necessary travel costs dealing with trip cancellations. Other incidents, such as lost baggage, hotel arrangements during delays, etc, may also be covered at varying costs. Chase even offers coverage on award tickets, as long as you paid for any sort of fee incurred with one of their credit cards. Higher end Citi cards also have comparable compensation structures.
However, one caveat is that many cards have a wide variety of terms and conditions that may limit what may be covered from an incident. Personally, Chase Sapphire Preferred and Reserve, as well as the Citi Prestige cards offer some of the most comprehensive coverage available out there for all forms of travel delay or cancellations, but at the end of the day, you may still want to consider buying additional coverage if you may be on a high dollar itinerary.
Were you impacted by this week's storm? Let me know in the comments below and if you used and credit cards to soften the blow on the costs incurred with the delays.