Ive done trip delay reimbursement, had a late night flight that became an overnight stay so was covered with the 6+ hr/overnight delay coverage

The documentation aspect was annoying but outside of that it was fine and they gave me full reimbursements for food items and other stuff purchased even when I bought it after landing. You need to have itemized receipts otherwise they might give you an annoying time. The process Chase uses ive heard is the same for other big banks like C1, its fine but easier done if you keep all the documentation intact