I had a covered travel disruption (delay/cancellation/lost bag) and will file a claim with my [CARD NAME] benefits.
Generate a step-by-step checklist:
1. Documents to gather (boarding passes, receipts, delay certificates, police report if applicable)
2. Time limits (e.g., 90 days to submit)
3. Where to submit (phone, portal, email)
4. What to write in the claim letter: dates, what happened, costs incurred, policy number
5. Follow-up if denied
Be specific to common premium card benefits (e.g., Chase Sapphire, Amex Platinum).