ChuroChuro

Supported claim types

We focus on the most commonly missed travel-benefit claims associated with premium credit cards.

Trip Delay Reimbursement

Flagship Offering

When your common carrier (airline, train, cruise) is delayed beyond the threshold set by your card program, you may be eligible to claim reimbursement for reasonable expenses incurred during the delay.

Common Eligible Expenses

  • • Meals and beverages
  • • Hotel accommodations
  • • Ground transportation
  • • Toiletries and essential items

Typical Required Documents

  • • Carrier delay notice
  • • Original itinerary
  • • Expense receipts
  • • Card statement

Filing Deadline

Typically 60–90 days from incident

⚠ Deadlines are strict — start early

Baggage Delay

If your checked baggage is delayed beyond the specified threshold, purchases of essential items may be reimbursable under your card's baggage delay protection.

Common Eligible Expenses

  • • Essential clothing
  • • Toiletries and personal items
  • • Medications
  • • Other necessary purchases

Typical Required Documents

  • • Airline baggage delay report
  • • Receipts for essential purchases
  • • Card statement
  • • Baggage claim tag

Filing Deadline

Typically 60–90 days from incident

⚠ Deadlines are strict — start early

Trip Cancellation / Interruption

If your trip is cancelled or interrupted due to a covered reason, non-refundable prepaid expenses and additional transportation costs may be reimbursable.

Common Eligible Expenses

  • • Non-refundable prepaid expenses
  • • Change and cancellation fees
  • • Return transportation costs
  • • Additional accommodation costs

Typical Required Documents

  • • Proof of cancellation reason
  • • Original itinerary
  • • Proof of non-refundable costs
  • • Card statement

Filing Deadline

Typically 60–90 days from incident

⚠ Deadlines are strict — start early

Rental Car Damage Coverage

If a rental car paid with an eligible card is damaged or stolen, your card's auto rental collision damage waiver may cover repair costs or the cash value of the vehicle — often eliminating the need for the rental company's expensive CDW.

Common Eligible Expenses

  • • Collision damage repair costs
  • • Theft loss reimbursement
  • • Towing charges
  • • Loss-of-use fees (varies by card)

Typical Required Documents

  • • Rental agreement
  • • Accident or police report
  • • Repair estimate or invoice
  • • Card statement showing rental charge

Filing Deadline

Typically 45–90 days from incident

⚠ Deadlines are strict — start early

Extended Warranty

Many premium cards automatically extend the original U.S. manufacturer's warranty on eligible purchases by one year or more. If a covered item breaks within the extended window, repair or replacement costs may be reimbursable.

Common Eligible Expenses

  • • Repair costs within extended period
  • • Replacement value if unrepairable
  • • Eligible electronics and appliances
  • • Items with original warranty up to 3–5 years

Typical Required Documents

  • • Original purchase receipt
  • • Original manufacturer warranty
  • • Repair or replacement estimate
  • • Card statement showing purchase

Filing Deadline

File within the extended warranty window

⚠ Deadlines are strict — start early

Purchase Protection

Items bought with an eligible card and subsequently damaged, stolen, or lost within the coverage window (typically 90–120 days from purchase) may qualify for repair, replacement, or reimbursement up to the policy limit.

Common Eligible Expenses

  • • Damaged items up to policy limit
  • • Stolen items with police report
  • • Select accidental loss (varies by card)
  • • Most new eligible retail purchases

Typical Required Documents

  • • Original purchase receipt
  • • Police report (if stolen)
  • • Proof of damage or loss
  • • Card statement showing purchase

Filing Deadline

Typically 60–120 days from purchase date

⚠ Deadlines are strict — start early

Cell Phone Protection

If you pay your monthly wireless bill with an eligible card, your phone may be covered against theft or accidental damage. Coverage typically applies to phones listed on the bill at the time of the incident.

Common Eligible Expenses

  • • Screen damage repair
  • • Accidental damage repair
  • • Theft replacement (with police report)
  • • Phones on covered phone plan

Typical Required Documents

  • • Monthly cell phone bill paid with card
  • • Repair estimate or invoice
  • • Police report (if stolen)
  • • Card statement showing bill payment

Filing Deadline

Typically within 60–90 days of incident

⚠ Deadlines are strict — start early

Credit Card Benefits Review

New

Not sure which protections apply to your card or situation? We perform a structured end-to-end scan of your card's benefit guide to surface overlooked reimbursement opportunities across all applicable benefit categories.

Common Eligible Expenses

  • • All applicable card benefit categories
  • • Travel protections
  • • Purchase protections
  • • Insurance and warranty benefits

Typical Required Documents

  • • Card benefit guide or issuer benefit summary
  • • Documentation relevant to the potential claim

Filing Deadline

Varies by benefit type

⚠ Deadlines are strict — start early