You may already be
owed money from
your last trip.
Most eligible travel claims are never filed — not because travelers don't qualify, but because the process is opaque, deadlines sneak up, and a single missing document kills everything.
- Know if you qualify — before the paperwork
- See exactly which documents are missing
- Get a claim-ready packet in one session
Filing deadline: 58 days remaining— most issuers require claims within 60–90 days
Claim Assessment
Chase Sapphire Reserve — Trip Delay
Likely Eligibility
High Confidence
All primary criteria met
Est. Recovery
Up to $500
per card policy
Claim Type
Trip Delay
Delay Duration
7h 42m
Required Threshold
6 hours
Travelers Covered
2 passengers
Potentially Covered Expenses
1 Missing Document Detected
Carrier delay notice — required by most issuers to validate the delay and unlock reimbursement.
Most denials are due to
missing evidence, not ineligibility
Upload documents
Under 5 minutes
Upload documents
Claim analysis
Automated & instant
Claim analysis
Missing docs check
Item-by-item
Missing docs check
Claim packet prep
Same session
Claim packet prep
Why claims go unfiled
Most eligible claims are never filed — not because they don't qualify
They're missed because the process is opaque, the deadlines sneak up, and a single missing document is all it takes.
Benefits are buried in card guides
The coverage you're entitled to is described in a 50+ page cardholder guide that almost no one reads. Most people never learn what they qualify for.
Filing deadlines are easy to miss
Most card issuers require claims within 60–90 days of the incident. The window opens and closes while you're still sorting through emails.
One missing document kills the claim
Claims are routinely denied not because the trip didn't qualify — but because a carrier delay notice or specific receipt was missing from the filing.
Most travelers never realize they qualified
A 7-hour delay, a hotel you had to book, or meals you had to buy — these may all qualify. Most eligible travelers don't check because they don't know where to start.
The real reason claims fail
Most people don't lose claims because
they were ineligible.
They lose them because they never
knew where to start.
Churo turns messy itineraries, receipts, and delay notices into a structured reimbursement workflow — so you know exactly what you have, what you're missing, and how to file it.
Works with select premium travel card benefits. No legal advice provided.
Turn messy travel documents into a structured claim workflow
Four simple steps from disorganized paperwork to a filing-ready claim packet.
Upload documents
Add your itinerary, receipts, delay notices, and card statements.
We analyze trip facts & coverage triggers
AI extracts key details. Our rules engine checks coverage criteria for your card.
See likely eligibility & missing items
Get a clear assessment with confidence indicators and a checklist of any missing evidence.
Get your claim packet & next steps
Download a structured claim packet with filing instructions for your specific provider.
Supported claim types
We focus on the claims most commonly missed by premium cardholders.
Trip Delay Reimbursement
Your flight was delayed 6+ hours? You may be eligible for meal, hotel, and transportation reimbursement through your card benefits.
Baggage Delay
Checked bags delayed 6+ hours? Essential purchases like clothing and toiletries may be covered under your card protection.
Trip Cancellation / Interruption
Trip cancelled or cut short for a covered reason? Non-refundable expenses and change fees may be reimbursable.
Rental Car Damage Coverage
Damage or theft of a rental car paid with an eligible card may be covered — potentially saving you hundreds in collision waiver fees.
Extended Warranty
Many premium cards double the original manufacturer warranty on eligible purchases. A qualifying repair or replacement could be reimbursable.
Purchase Protection
Items purchased with an eligible card and damaged or stolen within a coverage window may qualify for reimbursement or repair.
Simple, transparent pricing
Start free. Upgrade anytime — billed monthly, cancel anytime.
Claim Check
Eligibility screening & missing docs report
- Document upload & analysis
- Eligibility screening
- Missing documents report
- Coverage rule matching
- Filing deadline check
Your first claim check is free.
It takes under 5 minutes.
Upload your documents and we'll tell you exactly what you likely qualify for, what's missing, and how to proceed — no payment needed for your first claim.
No legal advice. No payout guarantees. Claim preparation and document organization only.