Amex Cobalt - Flight Delay Insurance

Your first step is to call the claims administrator whose phone number is in the certificate of insurance. They will explain everything you need to know from there on.

She would be reimbursed for all necessary and reasonable hotel, motel, restaurant expenses and sundry items purchased within 2 days of the delay. You will need receipts of purchases and documentation of the flight delay/cancellation. The company Amex goes through is called Global Excel. Just call the insurance number and they will open a claim file for you. You should scan and submit the documents via email.

I used the Cobalt cards flight delay insurance when my Horizon Air flight from PDX was delayed all day which resulted in getting into Seattle and missing the last connection. Global Excel was super easy to deal with, I phoned at the airport, opened the claim, kept my receipts and boarding passes and sent them via email when I got home. The only thing they didn't reimburse was some happy hour beers, but they covered my hotel, meals and transport. Some of the receipts were not itemized per the claim instructions but it was still accepted. Got a check in the mail for around $460 a week later.