OP here - Thought I would add a new post to my thread, because it seems a lot of folks on this board use the Chase Sapphire Reserve card and might be interested in our experience with filing a trip-cancellation claim with them. (The trip did not have anything to do with
DVC at all, and no DVC points were involved.)
We used the Chase Sapphire Reserve card to pay for a group tour sponsored by my university alumni office. After detailed comparisons of the
travel insurance coverage (exclusions, trip cancellation/interruption, lost luggage, delay, accident, emergency medical, etc.) provided by the card itself with what we could purchase, we felt that the only area in which the CC-provided coverage was inadequate was in the maximum it would pay in case we incurred medical expenses while on the tour. We also found out that we could buy a separate policy very inexpensively from another source to cover just medical expenses but with significantly higher maximum coverage than Chase provided. So that's what we did - bought specific medical coverage for ourselves from the other source and relied on the Chase Sapphire Reserve benefits for the rest.
Well, to make a long story short, we had to cancel our trip because our adult son now requires major heart surgery, and the earliest date it could be scheduled fell during the tour. We called the number in the CC benefits booklet to notify them of the cancellation and received forms to complete and submit electronically along with copies of various documents. Our claim was approved and paid about ten days after we submitted everything, so needless to say, we're very happy. We were able to cancel the medical coverage outright and receive a full refund of the premium.
In future we'll do the same thing - compare in detail the coverage that's available at no cost through the CC with the coverage we could buy from other sources before deciding what to do. This is just another reason we like the Chase Sapphire Reserve card so much!
