lost-luggage-reimbursement
Lost Luggage Reimbursement
Have You ever been waiting for Your Checked Luggage to come around the belt only to find that it has been
lost by Your airline?
Fortunately, Lost Luggage Reimbursement is here to help. With Lost
Luggage Reimbursement, You can be reimbursed for the difference between the "value of the amount claimed"
and the Common Carrier's payment up to three thousand dollars ($3,000.00) per Covered Trip (for New York residents, coverage is limited to two thousand dollars ($2,000.00) per bag), provided the Checked Luggage and/or Carry-on Baggage and/or its contents was lost due to theft or
misdirection by the Common Carrier. "Value of the amount claimed" is the lesser of the following three
amounts: the original purchase price of the item(s), the actual cash value of the item(s) at the time of
theft or misdirection (with appropriate deduction for depreciation), and the cost to replace the item(s).
You and Your Immediate Family Members are all eligible for this benefit when You take a Covered
Trip and pay for the cost of Your Common Carrier tickets with Your eligible card issued in the United
States and/or rewards program associated with Your covered Account. To be eligible for coverage, You must
purchase a portion or the entire cost of the Covered Trip with Your covered Account and/or rewards program
associated with Your covered Account. Only Your Checked Luggage and/or Carry-On Baggage and/or its
contents is covered.
This benefit is supplemental to and excess of any collectible insurance and/or collectible
reimbursement from any other source. The Benefit Administrator will refund the excess amount once all
other reimbursement has been exhausted up to the limit of liability.
Please Note:You must take all reasonable means to protect, save and/or
recover Your Checked Luggage and/or Carry-on Baggage and/or its contents at all times.
What is notcovered?
Luggage Reimbursement does not apply to loss or theft of the following items:
-
Automobiles, automobile accessories and/or equipment, motorcycles, motors, bicycles (except when
checked with the Common Carrier), boats, or other vehicles or conveyances
-
Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic
limbs
-
Money, securities, credit or debit cards, checks, and travelers' checks
-
Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps, perishables,
consumables, perfume, cosmetics, rugs and carpets, animals, cameras, sporting equipment, and household
furniture
-
Property shipped as freight or shipped prior to the Covered Trip departure date
-
Items specifically identified or described in and insured under any other insurance policy
-
Losses arising from confiscation or expropriation by any government or public authority or detention
by customs or other officials
-
Losses resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war,
invasion, rebellion, or insurrection)
-
Business items (items that are used in the purchase, sale, production, promotion, or distribution of
goods or services including but not limited to, manuals, computers and their accessories, software,
data, facsimile, samples, collateral materials, etc.), cellular telephones, or art objects
How to file a Lost Luggage Reimbursement claim
Immediately notify the Common Carrier to begin their claims process if Your luggage and/or its contents
are lost or stolen.
Within twenty (20) days of the date Your luggage is lost or stolen, and You
have notified the Common Carrier and begun their claims process, call the Benefit Administrator at 1-800-546-9806,
or call collect outside the U.S. at
1-804-673-7481. The Benefit Administrator will ask You for some
preliminary claim information and send You a special claim form. If You do not notify the Benefit Administrator within twenty (20) days of the date the luggage was lost
or stolen, Your claim may be denied.
Within ninety (90) days of the date Your luggage was lost or stolen, return Your claim form and the
requested documentation below to the address provided by the Benefit Administrator:
-
A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of
the Account number) confirming a portion of the Common Carrier ticket was charged to the covered
Account
-
If more than one method of payment was used, please provide documentation as to additional currency,
voucher, points or any other payment method utilized
-
A copy of ticketing by the Common Carrier, including but not limited to itinerary, boarding pass, or
used ticket stub
-
A copy of any check, settlement, denial or explanation of coverage issued by the Common Carrier
together with a copy of the Common Carrier's completed claim form, a list of the items lost and their
value, and a copy of the luggage claim check (if applicable)
-
A copy of Your insurance policy's Declarations Page (if applicable) to confirm Your deductible
(Declarations Page means the document(s) in Your insurance policy that lists names, coverages, limits,
effective dates and deductibles)
-
A copy of any settlement of the loss or theft from Your primary insurance
-
Any other documentation deemed necessary by the Benefit Administrator to substantiate the loss or
theft
For faster filing, or to learn more about Lost Luggage Reimbursement visit
www.eclaimsline.com
If You have personal insurance (i.e., homeowner's, renter's, or other insurance applicable to the lost or
stolen luggage or contents), You are required to file a claim with Your insurance company and submit a
copy of any claim settlement along with Your completed claim form.
If the claim amount is
within Your personal insurance deductible, the Benefit Administrator may, at its discretion, deem a copy
of Your personal insurance Declarations Page to be sufficient.
Transference of claims
After the Benefit Administrator has paid Your claim of loss or theft under this reimbursement benefit, all
Your rights and remedies against any party in respect of this loss or damage will be transferred to the
Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator
all assistance as may reasonably be required to secure all rights and remedies.
Definitions for Lost Luggage Reimbursement
Accountmeans Your credit or debit card Accounts.
Carry-on Baggage means the baggage which You personally carry onto the Common Carrier and for which You retain responsibility.
Checked Luggage means suitcases or other containers specifically designed for carrying
personal belongings, for which a claim check has been issued to You by a Common Carrier.
Common Carrier means any land, water, or air conveyance operated under a license for the
transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel.
Common Carrier does not include taxis, limousine services, or commuter rail or commuter bus lines.
Covered Trip means a trip while the Eligible Person is riding on a Common Carrier
as a passenger and not as a pilot, operator or crew member, for which the expense has been charged to Your
eligible Account and/or rewards program associated with Your covered Account, and which is not less than five
(5) consecutive days but does not exceed sixty (60) consecutive days in duration.
Eligible Person means a cardholder who pays for their Covered Trip by using their eligible Account and/or rewards program
associated with their covered Account.
Immediate Family Member means Your Spouse
or legally dependent children under age eighteen (18), [twenty-five (25) if enrolled as a full-time student
at an accredited university].
Spouse includes Your domestic partner which is a
person who is at least 18 years of age and who during the last twelve months: 1) has been in a committed relationship
with the cardholder; (2) has been the cardholder's sole spousal equivalent; (3) has resided in the same household
as the cardholder; and (4) has been jointly responsible with the cardholder for each other's financial obligations
and who intends to continue the relationship as stated above indefinitely.
You or Your means an Eligible Person or Your Immediate Family Members who charged a portion of their Covered Trip to
Your eligible Account and/or rewards program associated with Your covered Account.
For more information about the benefit described in this guide, call the Benefit Administrator at 1-800-546-9806, or call collect outside the U.S. at 1-804-673-7481.
trip-delay-reimbursement
Trip Delay Reimbursement
Having a Covered Trip delayed can mean more than just lost time; it can also create an additional cost
that You weren't expecting to pay.
Trip Delay Reimbursement covers up to a maximum of five
hundred dollars ($500.00) for each purchased ticket, for reasonable additional expenses incurred when a
Covered Trip You purchased with Your eligible Account and/or rewards program associated with Your covered
Account is delayed for more than six (6)hours or requires an overnight stay. The benefit
is limited to one claim per Covered Trip. To be eligible for this coverage, You need to purchase either a
portion or the entire cost of Your Common Carrier fare using Your Account.
You, Your spouse and
Your dependent children under twenty-two (22) years of age are automatically covered when You charge Your
Covered Trip's Common Carrier fare to Your eligible Account and/or rewards program associated with Your
covered Account.
This benefit is supplemental coverage, which means that reasonable expenses during the delay not
otherwise covered by Your Common Carrier, another party or Your primary personal insurance policy, may
be reimbursed up to a maximum of five hundred dollars ($500.00) per ticket. You will be refunded the
excess amount once all other reimbursement has been exhausted up the limit of liability.
What is covered?
Your reasonable additional expenses, such as meals and lodging, may be reimbursed as long as:
-
A portion of the fare was purchased with an eligible Account and/or rewards program associated with
Your covered Account
-
Your Covered Trip was delayed for more than six (6) hours or required an overnight stay due to Covered
Hazards
-
Your Covered Trip is for a period of travel that does not exceed three hundred and sixty-five (365)
days
What is not covered?
-
Any delay due to a Covered Hazard which was made public or made known to You prior to Your departure.
-
Any pre-paid expenses related to Your Covered Trip, such as tour or activity fees associated with Your
Covered Trip.
How to file a Trip Delay Reimbursement Claim
Within thirty (30) days of the Covered Trip delay, call the Benefit Administrator at 1-800-546-9806, or call collect outside the U.S. at 1-804-673-7481.The Benefit Administrator will ask
You for some preliminary claim information and send You a claim form.
Within ninety (90) days
of the date of Your Covered Trip delay, return Your completed and signed claim form and the requested
documentation below to the following address:
Card Benefit Services
P.O. Box 72034
Richmond, VA 23255
Please submit the following documents:
-
A copy of the detailed original and updated travel itinerary and/or the Common Carrier tickets
-
A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
confirming the Common Carrier ticket was charged to the covered Account. Only applicable if the travel
itinerary does not reflect the last four (4) digits of the Account number.
-
If more than one method of payment was used, please provide documentation as to additional currency,
voucher, points or any other payment method utilized
-
Tickets reflecting the total amount charged for the claimed Covered Trip
-
A statement from the Common Carrier explaining the reason for the delay
-
Copies of itemized receipts for Your claimed expenses. For food expenses, receipts are required,
however itemized receipts are only required for bills of fifty dollars ($50.00) or more per covered
traveler.
-
Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
Failure to contact the Benefit Administrator or return the completed claim form and documentation
within the time periods indicated above may result in the denial of Your claim.
For faster filing, or to learn more about Trip Delay Reimbursement,visit
www.eclaimsline.com
Definitions for Trip Delay
Accountmeans Your credit or debit card Accounts.
Common Carrier means any land, water, or air conveyance operating for hire under a valid license for the transportation
of passengers and for which a ticket must be purchased prior to commencing travel. Common Carrier does not
include taxis, limousine services, or commuter rail or commuter bus lines or rental vehicles.
Covered Tripmeans a period of travel that does not exceed three hundred and sixty-five
(365) days away from the Eligible Person's residence to a destination other than the Eligible Person's
city of residence for which the Eligible Person charges the cost of transportation by Common Carrier to
the Account and/or rewards programs associated with the covered Account.
Covered Hazards means equipment failure, inclement weather, strike and hijacking/skyjacking.
Eligible Person
means a cardholder who pays for their Covered Trip by using their eligible Account and/or rewards
programs associated with their covered Account.
Family Member means Your spouse
or legally dependent children under age eighteen (18) [twenty-five (25) if enrolled as a full-time student
at an accredited university].
You or Your means an Eligible Person or Your Family
Members who charged their Covered Trip to Your eligible Account and/or rewards programs associated with Your
covered Account.
For more information about the benefit described in this guide, call the Benefit Administrator at
1-800-546-9806, or call collect outside the U.S. at 1-804-673-7481.
travel-emergency-services
Travel and Emergency Assistance Services
Emergencies can escalate quickly when You are traveling away from home. Something that is relatively
straight forward when You are not traveling, like replacing prescription medication, can be a difficult
task when You are dealing with local laws or language barriers.
Travel and Emergency Assistance
Services are made available to help You in case of an emergency while You are traveling away from home.
The Benefit Administrator can connect You with the appropriate local emergency and assistance resources
available, 24 hours a day, 365 days a year.
Please note that due to occasional issues such as distance, location, or time, neither the Benefit
Administrator nor its service providers can be responsible for the availability, use, cost, or results
of any medical, legal, transportation, or other services.
What are Travel and Emergency Assistance Services and how do I use these services when I need them?
Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible
card issued in the United States. Your spouse and children (dependents under 22 years old) are also
eligible to use these services.
Travel and Emergency Assistance Services provide assistance and
referral only. You are responsible for the cost of any actual medical, legal, transportation, cash
advance, or other services or goods provided.
To use the services, simply call the toll-free,
24-hour Benefit Administrator line at 1-800-546-9806. If You are outside the United States, call collect at1-804-673-7481.
What are the specific services and how can they help me?
-
Emergency Message Service - can record and relay emergency messages for travelers or their immediate
family members. The Benefit Administrator will use reasonable efforts to relay emergency messages in
accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to
transmit any message successfully. All costs are Your responsibility.
-
Medical Referral Assistance - provides medical referral, monitoring, and follow-up. The Benefit
Administrator can give You names of local English-speaking doctors, dentists, and hospitals; assign a
doctor to consult by phone with local medical personnel, if necessary, to monitor Your condition; keep
in contact with Your family, and provide continuing liaison; and help You arrange medical payments
from Your personal account. All costs are Your responsibility.
-
Legal Referral Assistance - can arrange contact with English-speaking attorneys and U.S. embassies and
consulates if You're detained by local authorities, have a car accident, or need legal assistance. In
addition, the Benefit Administrator can coordinate bail payment from Your personal account. The
Benefit Administrator can also follow up to make sure bail has been properly handled. All costs are Your responsibility.
-
Emergency Transportation Assistance - can help You make all the necessary arrangements for emergency
transportation home or to the nearest medical facility. This includes arranging to bring Your Young
children home and helping You stay in contact with family members or employers during the emergency.
In the case of a death, the Benefit Administrator can make arrangements to repatriate the remains. All costs are Your responsibility.
-
Emergency Ticket Replacement - helps You through Your carrier's lost ticket reimbursement process and
assists in the delivery of a replacement ticket to You, should You lose Your ticket.All costs are Your responsibility.
-
Lost Luggage Locator Service - can help You through the Common Carrier's claim procedures or can
arrange shipment of replacement items if an airline or Common Carrier loses Your checked luggage. You are responsible for the cost of any replacement items shipped to You.
-
Emergency Translation Services - provides telephone assistance in all major languages and helps find
local interpreters, if available, when You need more extensive assistance. All costs are Your responsibility.
-
Prescription Assistance and Valuable Document Delivery Arrangements - can help You fill or replace
prescriptions, subject to local laws, and can arrange pickup and delivery of Your prescriptions filled
for You at local pharmacies. It can also help transport critical documents that You may have left at
Your home or elsewhere. All costs are Your responsibility.
-
Pre-Trip Assistance - can give You information on Your destination before You leave such as ATM
locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and
required passport visas.
Definitions for Travel and Emergency Assistance Services
Common Carrier means any mode of transportation by land, water or air operating for hire under
a license to carry passengers for which a ticket must be purchased prior to travel. Does not include taxi,
limousine service, commuter rail or commuter bus lines.
You or Your means an eligible
person whose name is embossed on an eligible U.S. issued card, and You reside in the United States.
Additional provisions for Travel and Emergency Assistance Services
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained
in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and
conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement
messages or electronic notification. The benefits described in this Guide to Benefits will not apply to
cardholders whose accounts have been suspended or cancelled.
For more information about the benefit described in this guide, call the Benefit Administrator at
1-800-546-9806, or call collect outside the U.S. at 1-804-673-7481.
travel-accident-insurance
Travel Accident Insurance Description of Coverage
Principal Sum: $1,000,000
THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT ONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM
SICKNESS
This Description of Coverage is provided to all eligible PointCard™ Titan cardholders and replaces
any and all Descriptions of Coverage previously issued to the insured with respect to insurance
described herein.
Eligibility and Period of Coverage
As a PointCard™ Titan cardholder, you are covered beginning on 4/15/22 or the date your credit
card is issued, whichever is later.
You and your dependents* become covered automatically
when the entire Common Carrier fare is charged to your covered PointCard™ Titan card account ("Covered Person").
It is not necessary to notify the financial institution, the Insurance Company, or the Plan Administrator when
tickets are purchased. Coverage ends when the policy is terminated.
*Your spouse,
unmarried dependent child(ren), under age 19 (25 if a full-time student). No age limit for incapacitated
child. Incapacitated child means a child incapable of self-sustaining employment by reason of mental
retardation or physical handicap, and chiefly dependent on you for support and maintenance. Dependent
child(ren) receive fifty percent (50%) of your benefit amount.
Benefits
Subject to the terms and conditions, if a Covered Person's accidental bodily Injury occurs while on a
Covered Trip and results in any of the following Losses within one (1) year after the date of the
accident, the Insurance Company will pay the following percentage of the Principal Sum for accidental Loss
of:
One hand or one foot and the sight of one eye
Thumb and index finger on the same hand
In no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for
any one Loss sustained by a Covered Person as a result of any one accident. The maximum amount payable for
all Losses due to the same accident is the Principal Sum.
Definitions for Travel Accident Insurance
Loss means actual severance through or above the wrist or ankle joints with regard to hands
and feet; entire and irrevocable loss of sight, speech or hearing; actual severance through or above the metacarpophalangeal
joints with regard to thumb and index fingers. The life benefit provides coverage in the event of a Covered
Person's death. If a Covered Person's body has not been found within one (1) year of disappearance, stranding,
sinking, or wreckage of any Common Carrier in which the Covered Person was covered as a passenger, then it
shall be presumed, subject to all other provisions and conditions of this coverage, the Covered Person suffered
loss of life.
Injury means bodily injury or injuries, sustained by the insured
person which are the direct cause of Loss, independent of disease cause of Loss, independent of disease or
bodily infirmity, and occurring while the Covered Person is covered under this policy, while the insurance
is in force.
Covered Trip means a trip (a) while the Covered Person is riding on
a Common Carrier as a passenger and not as a pilot, operator, or crew member and (b) charged to your PointCard™
Titan card; and (c) that begins and ends at the places designated on the ticket purchased for the trip. Covered
Trip will also include travel on a Common Carrier (excluding aircraft), directly to, from, or at any Common
Carrier terminal, which travel immediately precedes departure to or follows arrival at the destination designated
on the ticket purchased for the Covered Trip.
Common Carrier means any scheduled
airline, land, or water conveyance licensed for transportation of passengers for hire.
Exclusions: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) suicide, attempted
suicide, or intentionally self-inflicted injury; (b) any sickness or disease; (c) travel or flight on any kind
of aircraft or Common Carrier except as a fare-paying passenger in an aircraft or on a Common Carrier operated
on a regular schedule for passenger service over an established route; or (d) war or act of war, whether declared
or undeclared.
Beneficiary: Benefit for Loss of life is payable to your estate,
or to the beneficiary designated in writing by you. All other benefits are payable to you.
Notice of Claim: Written notice of claim, including your name and reference to PointCard™
Titan should be mailed to the Plan Administrator within twenty (20) days of a covered Loss or as soon as reasonably
possible. The Plan Administrator will send the claimant forms for filing proof of Loss.
The Cost: This travel insurance is purchased for you by your financial institution.
Description of Coverage: This description of coverage details material facts about a Travel Accident Insurance Policy which has been
established for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully.
All provisions of the plan are in the master policy form number, VSC-VCC-01 (2/00). Any difference between
the policy and this description will be settled according to the provisions of the policy.
Questions:Answers to specific questions can be obtained by writing to the Plan Administrator:
cbsi Card Benefit Services
550 Mamaroneck Avenue, Suite 309
Harrison, NY 10528
Underwritten by:
Virginia Surety Company, Inc.
175 West Jackson Blvd.
Chicago, IL 60604
Additional Provisions for Travel Accident Insurance
Travel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety
Company, Inc. (herein referred to as Company). We reserve the right to change the benefits and features of
all these programs.
The financial institution or the Company can cancel or choose not to renew
the Insurance coverages for all Insureds. If this happens, the financial institution will notify the
accountholder at least 30 days in advance of the expiration of the policy. Such notices need not be given
if substantially similar replacement coverage takes effect without interruption and is provided by the
same insurer. Insurance benefits will still apply to Covered Trips commenced prior to the date of such
cancellation or non-renewal, provided all other terms and conditions of coverage are met. Travel Accident
Insurance does not apply if your PointCard™ Titan privileges have been suspended or cancelled. However,
insurance benefits will still apply to Covered Trips commenced prior to the date that your account is
suspended or cancelled provided all other terms and conditions of coverage are met.
Coverage
will be void if, at any time, the accountholder has concealed or misrepresented any material fact or
circumstance concerning this coverage or the subject thereof or the accountholder's interest herein, or in
the case of any fraud or false swearing by the Insured relating thereto. No person or entity other than
the accountholder shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or
damages under or arising out of this coverage.
No action at law or in equity shall be brought
to recover on this coverage prior to the expiration of sixty (60) days after proof of Loss has been
furnished in accordance with the requirements of this Description of Coverage.
The Company, at
its expense, has the right to have you examined as often as reasonably necessary while a claim is pending.
The Company may also have an autopsy made unless prohibited by law.
State Amendments
For Illinois Residents Only: The following statement is added: If a Covered Person recovers
expenses for sickness or injury that occurred due to the negligence of a third party, the Company has the right
to first reimbursement for all benefits the Company paid from any and all damages collected from the negligent
third party for those same expenses whether by action at law, settlement, or compromise, by the Covered Person,
the Covered Person's parents if the Covered Person is a minor, or the Covered Person's legal representative
as a result of that sickness or injury. You are required to furnish any information or assistance, or provide
any documents that we may reasonably require in order to exercise our rights under this provision. This provision
applies whether or not the third party admits liability.
travel-accident-coverage
Travel Accident Insurance Description of Coverage
Sometimes the unexpected happens and Your travel arrangements don't go as planned.
You've done
a great job preparing for Your Trip. Your flights have been booked, You confirmed Your reservation with
Your hotel and You even rented a car so You can sightsee. But what if You have to cancel Your trip because
of the death of an Immediate Family Member? What if the airline You booked Your flight through declares
bankruptcy? Fortunately, Trip Cancellation and Interruption benefits are available to help You with these
unforeseen circumstances that could disrupt Your travel plans.
Trip Cancellation and
Interruption benefits pay up to two thousand dollars ($2,000.00) per Insured Person for the non-refundable
Common Carrier ticket(s) that You paid for with Your covered Account and/or rewards programs associated
with Your covered Account. You, Your spouse (or Domestic Partner) and Your Dependent Children are eligible
for coverage if You charge the entire cost of the Trip using Your Account, less redeemable certificates,
vouchers, or coupons, or rewards program associated with Your covered Account.
The Trip Cancellation or Interruption must be caused by or result from:
-
The death, Accidental Bodily Injury, disease or physical illness of You or an Immediate Family Member
of the Insured person; or
-
Default of the Common Carrier resulting from financial insolvency.
The death, Accidental injury, disease or physical illness must be verified by a Physician and must prevent
You from traveling on the trip.
Note: Common Carriers may issue a credit voucher for the value of the unused ticket. A
fee may be associated with changing or cancelling the ticket. Reimbursement of fee may be eligible at time
of Loss. Most Common Carrier credit vouchers expire in one year. Proof of unused credit voucher can be submitted
for reimbursement after expiration. Payment will not exceed either the actual Non-Refundable amount paid
by the Insured Person for a Common Carrier passenger(s) fare(s), or up to two thousand dollars ($2,000.00).
The following exclusions apply to financial services Common Carrier Trip Cancellation/Trip
Interruption only
No Trip Cancellation or Interruption benefits will be paid for Loss caused by or resulting from:
-
A Pre-existing Condition
-
Accidental Bodily Injuries arising from participation in interscholastic or professional sports
events, racing or speed contests, or uncertified scuba diving
-
Cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a Loss covered
under this policy
-
The Insured Person or an Immediate Family Member being under the influence of drugs (except those
prescribed and used as directed by a Physician) or alcohol
-
The Insured Person or an Immediate Family Member: a) traveling against the advice of a Physician; or
b) traveling while on a waiting list for specified medical treatment; or c) traveling for the purpose
of obtaining medical treatment; or d) traveling in the third trimester (seventh month or after) of
pregnancy
-
Suicide, attempted suicide, or intentionally self-inflicted injuries
-
Declared or undeclared war, but war does not include acts of terrorism
-
An Insured Person's emotional trauma, mental or physical illness, disease,
pregnancy, childbirth or miscarriage, bacterial or viral infection or bodily malfunctions, except
physical illness or disease which prevent the Insured Personfrom traveling on a Covered Trip.
This Exclusion does not apply to Lossresulting from an Insured Person's
bacterial infection caused by an Accidentor from Accidental
consumption of a substance contaminated by bacteria.
How to file a Trip Cancellation or Interruption claim
Within twenty (20) days of the Trip Cancellation or interruption or as soon as reasonably possible, You
must provide (written) claim notice to the Plan Administrator. The Plan Administrator will ask You for
some preliminary information and send You the appropriate claim forms. Failure to give notice within twenty (20) days will not invalidate or reduce any otherwise valid claim,
if notice is given as soon as reasonably possible.
When the Plan Administrator receives notice of a claim, the Plan Administrator will send You
forms for giving proof of Loss within fifteen (15) days. If You do not receive the forms, You should send
the Plan Administrator a written description of the Loss.
Answers to specific questions can be
obtained by writing to the Plan Administrator. To make a claim, please contact the Plan Administrator:
cbsi Card Benefit Services
550 Mamaroneck Avenue, Suite 309
Harrison, NY 10528
Please return Your completed and signed claim form and the documents listed below as soon as possible
to the Plan Administrator:
-
A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of
the Account number) confirming the Common Carrier ticket was purchased using the covered Account
and/or rewards programs associated with Your covered Account.
-
If more than one method of payment was used, please provide documentation as to additional currency,
voucher, points or any other payment method utilized.
-
Confirmation of the non-refundable amounts for the unused Common Carrier tickets and/or travel
vouchers
-
Confirmation that the tickets were cancelled with the Common Carrier
-
A copy of the travel itinerary showing the passenger names and ticket cost
-
Confirmation of the reason for the Trip Cancellation; (completed attached physician statement,
confirmation of death of Immediate Family Member or documentation confirming any other cause of Loss)
-
A copy of the cancellation or refund policies of the Common Carrier, Tour Operator or Travel Supplier
Additional Travel Accident benefit
As a cardholder, You, Your spouse (or Domestic Partner), and unmarried Dependent Children will be
automatically insured up to one thousand dollars ($1,000) for Accidental Loss of life, limb, sight,
speech, or hearing. This benefit applies while:
-
Riding as a passenger in or entering or exiting any Common Carrier; or
-
Riding as a passenger in, entering, or exiting any conveyance licensed to carry the public for a fee
and while traveling to or from the airport:
-
Immediately preceding the departure of a Common Carrier on which the Insured Person has purchased
passage; and
-
Immediately following the arrival of a Common Carrier on which the Insured Person was a passenger;
or
-
As a cardholder, You, Your spouse (or Domestic Partner), and unmarried Dependent Children will be
automatically insured up to one thousand dollars ($1,000) for Accidental Loss of life, limb, sight,
speech, or hearing. This benefit applies while:
Accidental Loss of Life, two or more Members, sight of both eyes, speech and hearing or any
combination thereof
Accidental Loss of one Member, sight of one eye, speech or hearing
Accidental Loss of the thumb and index finger of the same hand
Loss means, with respect to a hand, complete severance through or above the knuckle joints
of at least four (4) fingers on the same hand or at least three (3) fingers and the thumb on the same hand;
with respect to a foot, complete severance through or above the ankle joint. The Company will consider it a
Loss of hand or foot even if the fingers, thumb, or foot is later reattached.
In order to be
eligible for this additional coverage, the entire cost of the Common Carrier passenger fare(s), less
redeemable certificates, vouchers, or coupons, must be charged to Your covered Account and/or rewards
programs associated with Your covered Account during the policy period. If the purchase is not made prior
to the Insured Person's arrival at the airport, coverage begins at the time the entire cost of the Common
Carrier passenger fare is purchased.
This travel accident benefit is provided to eligible
cardholders. Your financial institution pays the cardholder's premium as a benefit of the card membership.
The Loss must occur within one year of the Accident. The Company will pay the single largest
applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one
Accident, the Company's liability for all such Losses will be subject to a maximum limit of insurance
equal to two times the Benefit Amount for Loss of life. Benefits will be proportionately divided among the
Insured Persons up to the maximum limit of insurance.
The Loss of Life benefit will be paid to
the Beneficiary designated by You. If no such designation has been made, that benefit will be paid to the
first surviving Beneficiary in the following order: a) Your spouse, b) Your Children, c) Your parents, d)
Your brothers and sisters, e) Your estate. All other indemnities will be paid to You.
The following exclusions apply to the Travel Accident benefit
Loss caused by or resulting from:
-
An Insured Person's emotional trauma, mental or physical illness, disease, normal pregnancy,
normal childbirth or elective abortion, bacterial or viral infection, or bodily malfunctions. This
exclusion does not apply to Lossresulting from an Insured Person's bacterial infection caused by an Accidentor from Accidental
consumption of a substance contaminated by bacteria
-
Suicide, attempted suicide, or intentionally self-inflicted injuries
-
Declared or undeclared war, but war does not include acts of terrorism
-
An Accident occurring while You are in, entering, or exiting any aircraft while acting or training as
a pilot or crew member (does not apply if You temporarily perform pilot or crew functions in a
life-threatening emergency)
How to file a Travel Accident benefit claim
Within twenty (20) days of the accident or as soon as reasonably possible, You must provide (written)
claim notice to the Plan Administrator. The Plan Administrator will ask You for some preliminary
information and send You the appropriate claim forms. Failure to give notice within twenty (20) days will not invalidate or reduce any otherwise valid claim,
if notice is given as soon as reasonably possible.
When the Plan Administrator receives notice of a claim, the Plan Administrator will send You
forms for giving proof of Loss within fifteen (15) days. If You do not receive the forms, You should send
the Plan Administrator a written description of the Loss.
Answers to specific questions can be
obtained by writing to the Plan Administrator. To make a claim, please contact the Plan Administrator:
cbsi Card Benefit Services
550 Mamaroneck Avenue, Suite 309
Harrison, NY 10528
Please return Your completed and signed claim form and the documents listed below as soon as possible
to the Plan Administrator:
-
A copy of the police report
-
A completed medical authorization form for each treating medical facility
-
Copy of the certificate of death, if applicable
-
A copy of the travel itinerary
-
A copy of the credit card statement reflecting the purchase, verification of the cardholder's
name and the first six digits of the credit card number.
To view the status of your claim and to securely upload documents for Trip Cancellation/Interruption
and Travel Accident Benefit, visit
www.myclaimsagent.com
Use website code: 001
Or mail the completed and signed claim form and all required
documents to:
Claim Benefit Services
P.O. Box 459084
Sunrise, FL 33345
If You choose to mail Your documents, please send a copy of Your documents and retain the originals for
Your records. Claim Benefit Services is unable to return any submitted documents. You will be contacted
by a claim adjuster if additional information or documentation is required.
Definitions for Trip Cancellation/Interruption and Travel Accident Benefits
Accidentor Accidental means a sudden, unforeseen, and unexpected event which:
happens by chance; is independent of illness and disease and is the direct source of Loss.
Accidental Bodily Injury means Bodily Injury, which: 1) is Accidental; 2) is the direct
cause of a Loss; and 3) occurs while the Insured Person is insured under this policy, which is in force.
Accountmeans Your credit or debit card Accounts.
Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is purchased with an eligible Account
and/or rewards programs associated with Your covered Account.
Common Carrier means
any licensed land, water or air conveyance operated by those whose occupation or business is the transportation
of persons or things without discrimination and for hire.
Covered Trip means travel
on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates,
vouchers, or coupons, has been purchased with an Insured Person's covered card Account and/or rewards programs
associated with Your covered Account issued by the Policyholder.
Dependent Child
or Children means those Children, including adopted Children and those Children placed
for adoption, who are primarily dependent upon the Insured Person for maintenance and support, and who are:
1) under the age of nineteen (19), and reside with the Insured Person; 2) beyond the age of nineteen (19),
permanently mentally or physically challenged, and incapable of self-support; or 3) under the age of twenty-five
(25) and classified as full-time students at an institution of higher learning.
Domestic Partner means a person who is registered as a Domestic Partner or legal equivalent under laws of the governing jurisdiction,
or who: 1) is at least 18 years of age and competent to enter into a contract; 2) is not related to the Primary
Insured Person by blood; 3) has exclusively lived with the Primary Insured Person for at least twelve (12)
consecutive months. 4) is not legally married or separated; and 5) has with the Primary Insured Person at least
two (2) of the following financial arrangements: a) a joint mortgage or lease; b) a joint bank account; c)
joint title to or ownership of a motor vehicle or status a joint lessee on a motor vehicle lease; or d) a joint
credit card account with a financial institution.
Immediate Family Member means
the Insured Person's: 1) Spouse or Domestic Partner; 2) children including adopted children or stepchildren;
3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents-in-law; 6) grandparents
or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Immediate Family Member also means a Spouse's
or Domestic Partner's children, including adopted children or step children; legal guardians or wards;
siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces
or nephews.
Insured Person means the individual or entity to whom the Policyholder
has issued an Account, as well as authorized users of the Account registered with the Policyholder. Insured
Person also means the Insured Person's Spouse or Domestic Partner and Dependent Children.
Member means hand or foot.
Pre-existing Condition means Accidental
Bodily Injury, disease, or illness of the Insured Person or Immediate Family Member of the Insured Person which
occurs or manifests itself during the sixty (60) day period immediately prior to the purchase date of a Scheduled
Airline passenger fare(s). Disease or illness has manifested itself when either: 1) medical care or treatment
has been given; or 2) there exists symptoms which would cause a reasonably prudent person to seek medical diagnosis,
care or treatment. The taking of prescription drugs or medication for controlled (continued) condition throughout
this sixty (60) day period will not be considered to be a manifestation of illness or disease.
Trip Cancellationmeans the cancellation of Common Carrier travel arrangements when the
Insured Person is prevented from traveling on a Covered Trip on or before the Covered Trip departure.
Trip Interruption means the Insured Person's Covered Trip is interrupted either on
the way to the Covered Trip point of departure or after the Covered Trip departure.
You
or Yours means an Insured Person who purchase their trip to the Insured person's
covered Account and/or rewards programs associated with the Insured Person's covered Account.
Additional provisions for Trip Cancellation and Interruption
-
As a handy reference guide, please read this and keep it in a safe place with Your other insurance
documents.
-
This description of coverage is not a contract of insurance but is simply an informative statement of
the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan
of insurance are contained in the master policy, on file with the Policyholder: BNY Midwest Trust
Company as trustee of the Chubb Financial Institution Group Insurance Trust for the Account of
participating financial institutions. Policy #: 6478-07-74
-
Signed or pinned transactions are covered as long as You use Your eligible card to secure the
transaction.
-
You shall do all things reasonable to avoid or diminish any Loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
-
If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for
such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding
claims will be accurate and complete. Any and all relevant provisions shall be void in any case of
fraud, intentional concealment, or misrepresentation of material fact.
-
No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2)
years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
-
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the
terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts,
statement messages or electronic notification. The benefits described in this Guide will not apply to
cardholders whose Accounts have been suspended or cancelled.
-
Termination dates may vary by financial institutions. Your financial institution can cancel or
non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days
in advance. Federal Insurance Company ("Provider") is the underwriter of these benefits and is solely
responsible for its administration and claims. The Plan Administrator provides services on behalf of
the Provider.
-
After the Plan Administrator has paid Your claim, all Your rights and remedies against any party in
respect of this claim will be transferred to the Plan Administrator to the extent of the payment made
to You. You must give the Plan Administrator all assistance as may reasonably be required to secure
all rights and remedies.
-
This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
For more information about the benefit described in this guide, please contact the Plan Administrator.
travel-accident-coverage
Roadside Dispatch®
For roadside assistance, call 1-800-847-2869
What is Roadside Dispatch?
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security
and convenience wherever your travels take you.
No membership or pre-enrollment is required. No annual dues. No limit on usage.
For a set price per service call, the program provides:
-
Standard Towing - Up to 5 miles included1
-
Tire Changing - must have good, inflated spare
-
Jump Starting
-
Lockout Service (no key replacement)
-
Fuel Delivery - up to 5 gallons (plus the cost of fuel)
-
Standard Winching
Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with
you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel
you are in an unsafe location - Roadside Dispatch will advise you to hang up and dial 911. If you are not
able to dial 911, they will call the non-emergency police number in your area, and will remain on the
phone with you at your request until the police arrive.) You have the convenience of one toll-free phone
number and you may save money because their rates are pre-negotiated.
Dependable roadside
assistance, 24 hours a day, 7 days a week has never been easier. No membership or pre-enrollment is
required. Just call Roadside Dispatch toll-free when you need them: 1-800-847-2869
Note:Customers must pay service provider for mileage over 5 miles. A secondary unit
being towed behind is not included but can be accommodated for an additional fee. Standard Winching
applies within 100 feet of paved or county maintained road only. Current fee for a standard service call
is $69.95. Additional fees may apply for winching services under certain circumstances. Service call
fees are subject to change at any time; however callers will be notified of pricing prior to any service
dispatch. This program may be discontinued at any time without prior notice. Program void where
prohibited.
1. Any vehicle with wheels is covered under the program as long as it can be
classified as 'Light Duty'. 'Light Duty' vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles
weighing more than 10,000 lbs. are considered 'Medium Duty' or 'Heavy Duty' and are NOT covered under
this program.
Additional Terms:Service providers supplying emergency roadside assistance and
towing are independent contractors and are solely liable for their services. Neither Visa nor PointCard
shall have any responsibility or liability in connection with the rendering of the service. Emergency
roadside assistance and towing may not be available in areas not regularly traveled, nor in other "off
road" areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability
of service may affect assistance responses. Expectations for dispatch are set with the customer on every
call, and an expected estimated time of arrival is provided to the customer regardless of their location;
however, neither Visa nor PointCard provides any assurances as to the ability of the service provider to
meet such estimates. You are responsible for any roadside assistance or towing charges incurred by
facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon
their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a
Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc. a California
corporation.
extended-warranty-protection
Extended Warranty Protection
Product warranties can be inconvenient and cumbersome to use. Let's say You purchased a great gadget about
a year ago, but it just stopped working, and You can't find Your sales receipt and warranty information.
For all too common situations like these, Extended Warranty Protection can help.
Extended
Warranty Protection provides You with valuable features that help You manage, use and extend the
warranties for eligible items purchased on Your covered Account and/or rewards program associated with
Your covered Account. Services include Warranty Registration and Extended Protection. You are eligible for
this benefit if You are a cardholder of an eligible card issued in the United States and You purchase
either a portion or the entire cost of the item using Your Account and/or rewards program associated with
Your covered Account.
Here's how Warranty Registration works
When You purchase an eligible item that carries a manufacturer's warranty, You can register Your purchase
by calling 1-888-221-3289. You can also register Your purchase online at www.cardbenefitservices.com.
The Benefit Administrator will tell You where to send Your item's sales receipt and warranty
information, so they can be kept on file should You need them.
If You choose not to register Your item, be sure to keep Your monthly billing statement reflecting the purchase, the itemized
sales receipt, the original manufacturer's written U.S. warranty and any additional warranty in a safe place.
These documents will be required to verify Your claim.
Here's how Extended Protection works
Your warranty coverage can be extended by one (1) additional year on eligible warranties of three (3)
years or less. For example, a manufacturer's warranty of three (3) months would be provided with an
additional twelve (12) months of coverage for a combined total of fifteen (15) months of coverage, and a
warranty for six (6) months would be provided with an additional twelve (12) months of coverage for a
combined total of eighteen (18) months of coverage. However, if the manufacturer's warranty is for three
(3) years, it would only be extended one (1) additional year for a combined total of four (4) years of
coverage.
This benefit is limited to no more than the original price of the purchased item (as
shown on Yourcredit card receipt), less shipping and handling fees, up to a maximum of ten thousand
dollars ($10,000.00) per claim, and fifty thousand dollars ($50,000.00) per cardholder.
The
benefit covers purchases made both inside and outside the U.S. The eligible item must have a valid
original manufacturer's U.S. repair warranty of three (3) years or less, store-purchased dealer warranty,
or an assembler warranty.
What Extended Protection does notcover
-
Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or
accessories, including trailers and other items that can be towed by or attached to any motorized
vehicle
-
Any costs other than those specifically covered under the terms of the original manufacturer's written
U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
-
Items purchased for resale, professional, or commercial use
-
Real estate and items which are intended to become part of real estate including, but not limited to,
items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
-
Rented or leased items
-
Computer software
-
Medical equipment
-
Used or pre-owned items (Refurbished items will be covered as long as it has a warranty with it and
would not be considered used or pre-owned.)
-
Losses caused by or resulting from a Cyber Incident
Filing an Extended Protection claim
To file a claim, call the Benefit Administrator at 1-888-221-3289immediately after the
failure of Your covered item. Please
note if You do not notify the Benefit Administrator within sixty (60) days of product failure, Your
claim may be denied.
The Benefit Administrator will request preliminary claim information, direct You to the appropriate
repair facility, and send You the claim form.
Gift recipients of eligible items are also
covered, but they must provide all the documents needed to substantiate their claim.
If You received or purchased a service contract or an extended warranty when You purchased Your item,
this benefit will be supplemental to, and in excess of, that coverage.
What You must submit to file a claim
Fill out and sign the claim form the Benefit Administrator sent You, then submit the form within ninety (90) days of the product failure, along with the following documents:
-
A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your eligible Account and/or rewards program associated
with Your covered Account
-
If more than one method of payment was used, please provide documentation as to additional currency,
voucher, points or any other payment method utilized
-
A copy of the itemized sales receipt
-
A copy of the original manufacturer's written U.S. warranty, and any other applicable warranty
-
A description of the item and its serial number, and any other documentation deemed necessary to
substantiate Your claim (this includes bills and, if necessary, a copy of the maintenance record and
receipts)
-
The original repair estimate or repair bill, indicating cause of failure.
-
Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
All claims must be fully substantiated.
For faster filing, or to learn more about Extended Warranty Protection, visit
www.cardbenefitservices.com
How will I be reimbursed?
If You have substantiated Your claim and met the terms and conditions of the benefit, Your item will be
replaced or repaired at the Benefit Administrator's
discretion, but for no more than the original purchase price of the covered item, as
recorded on Your credit card receipt, less shipping and handling fees, up to a maximum of ten thousand
dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars ($50,000.00) per cardholder. You
will only be reimbursed up to the amount charged to Your Account or the program limit,
whichever is less.
Under normal circumstances, reimbursement will occur within five (5)
business days of the receipt and approval of all required documents.
If Your item is to be
repaired, You may go to an authorized repair facility and file a claim for reimbursement. Only valid and
reasonable repairs made at the manufacturer's authorized repair facility are covered.
In either
case, the Benefit Administrator's payment, replacement, or repair made in good faith will fulfill the
obligation under this benefit.
Definitions for Extended Warranty
Accountmeans Your credit or debit card Accounts.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or rewards program associated
with their covered Account.
You or Your means an Eligible Person who purchase their
item to their eligible Account and/or rewards program associated with their covered Account.
For more information about the benefit described in this guide, call the Benefit Administrator at
1-888-221-3289.
Definitions Related to Cyber Incidents: The following language applies to
Auto Rental Collision Damage Waiver, Extended Warranty Protection, and Purchase Security:
Computer Programs means a set of related electronic instructions which direct
the operations and functions of a computer or device connected to it, which enable the computer or device to
receive, process, store, retrieve or send data.
Cyber Incidentmeans any of the
following acts:
-
unauthorized access to or use of Your Digital Data or a Rental Vehicle or Covered Purchase;
-
alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or a Rental Vehicle or Covered
Purchase;
-
transmission or introduction of a computer virus or harmful code, including ransomware, into or
directed against Your Digital Data or a Rental Vehicle, or Covered Purchase;
-
restriction or inhibition of access to or directed against Your Digital Data or a Rental Vehicle or
Covered Purchase;
-
computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a
Rental Vehicle or Covered Purchase during the manufacturing process, upgrade process, or normal
maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions,
or Computer Programs stored as or on, created or used on, or transmitted to or from computer software (including
systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with electronically controlled equipment.
Digital Data shall include the capacity of a Rental Vehicle or Covered Purchase to store information, process
information, and transmit information over the Internet.
General Provisions for Auto Rental Collision Damage Waiver, Trip Delay, Lost Luggage Protection,
Purchase Security, Return Protection and Extended Warranty Protection
-
Signed or pinned transactions are covered as long as You use Your eligible card to secure the
transaction.
-
You shall do all things reasonable to avoid or diminish any loss covered by these benefits. This
provision will not be unreasonably applied to avoid claims.
-
If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for
such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding
claims will be accurate and complete. Any and all relevant provisions shall be void in any case of
fraud, intentional concealment, or misrepresentation of material fact.
-
No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2)
years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
-
These benefits are provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the
terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts,
statement messages or electronic notification. The benefits described in this Guide will not apply to
cardholders whose Accounts have been suspended or cancelled.
-
Termination dates may vary by financial institutions. Your financial institution can cancel or
non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days
in advance. Indemnity Insurance Company of North America ("Provider") is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
-
After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in
respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required to
secure all rights and remedies.
-
This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
extended-warranty-protection
Cellular Telephone Protection
Cell phones have become an everyday necessity for the average person, which means if Your cell phone is
damaged or stolen, getting it repaired or replaced is not optional.
Fortunately, Cellular
Telephone Protection is available which provides coverage for damage to, theft of, or involuntary and
accidental parting of Your cell phone. An involuntary and accidental parting is the unintended
separation from Your cell phone when its location is known, but recovery is impractical to complete.
This benefit is available if You are a valid cardholder of an eligible U.S. issued card enrolled in the
Cellular Telephone Protection benefit and You charge Your monthly cellular wireless phone bills to Your
eligible card for the billing cycle before the month in which the incident occurs. Eligible cell phones
are the lines listed on Your most recent cellular wireless service provider's ("cell phone provider")
monthly billing statement for the billing cycle prior to when the incident occurred.
What is covered?
This benefit is supplemental coverage, which means that it will reimburse You for theft of, damage to or
involuntary and accidental parting of Your cell phone not otherwise covered by another insurance policy
(for example; cell phone insurance programs, or Your homeowner's, renter's, automobile, or employer's
insurance policies).
If You do have personal insurance that covers theft,
damage or involuntary and accidental parting for Your cell phone, this benefit reimburses You for the deductible
portion of Your cell phone insurance.
If You do not have personal insurance,
the benefit reimburses You for the covered theft, damage, or involuntary and accidental parting for Your
cell phone.
Once all other insurance has been exhausted, Cellular Telephone Protection will
provide coverage up to five hundred dollars ($500.00) per claim with a maximum of two (2) claims and one
thousand dollars ($1,000.00) per twelve (12) month period. If it is determined that Your cell phone
requires replacement due to the theft of, damage to or an involuntary or accidental parting of the
device, You will receive the replacement value subject to the fifty dollar ($50.00) deductible and the
benefit maximum. The replacement value is the lesser of Your cellular wireless service provider's
suggested retail value of a similar model replacement cell phone or the actual cost to replace the cell
phone.
If Your cell phone is repairable, You will receive an amount as determined by the
diagnostic to repair the cell phone subject to the benefit maximum and fifty-dollar ($50.00) deductible.
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is
no evidence of physical damage, are not covered under this program.
When does it apply?
Cellular Telephone Protection applies when You make Your monthly cellular wireless phone bill payment
with Your eligible card. Coverage begins the first day of the calendar month following a payment of the
cellular wireless phone bill.
If You fail to make a cellular wireless phone bill payment in a
particular month, Your coverage will be suspended. Coverage will resume on the first day of the calendar
month after the date of any future cellular wireless phone bill payment made with the eligible card.
If Your cell phone is stolen as a result of criminal activity, You must file a police report within
forty-eight (48) hours of the event.
What is not covered?
This benefit will not provide reimbursement for the following:
-
Cell phone accessories other than standard battery and/or standard antenna provided by the
manufacturer
-
Cell phones purchased for resale, professional, or commercial use
-
Cell phones that are lost or "mysteriously disappear," meaning that the phone vanished in an
unexplained manner without evidence of a wrongful act by a person or persons
-
Cell phones under the care and control of a common carrier (including, but not limited to, the U.S.
Postal Service, airplanes, or delivery service)
-
Cell phones stolen from baggage unless hand-carried and under Your personal supervision, or under
supervision of Your traveling companion
-
Cell phones which have been rented, borrowed or are part of pre-paid or "pay as you go" type plans
-
Cosmetic damage to the cell phone or damage that does not impact the cell phone's capabilities and
functionalities
-
Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including,
but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities,
risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive
contamination, or damage from inherent product defects
-
Damage or theft resulting from misdelivery or voluntary parting with the cell phone
-
Taxes, delivery and transportation charges, and any fees associated with the cellular wireless
service provider
-
Losses caused by or resulting from a Cyber Incident
How to file a Cellular Telephone Protection claim
-
Within sixty (60) days of the date of the damage or theft, notify the Benefit Administrator at 1-866-894-8569 or outside the U.S. call collect at 1- 303-967-1096. The Benefit Administrator will ask You some preliminary questions and send You the appropriate claim
form. Please note, if You do not notify the Benefit Administrator within sixty (60) days after the
damage or theft, Your claim may be denied.
-
Return the completed, signed claim form and the requested documentation below within ninety (90)
days of the date of the damage or theft to the address provided by the Benefit Administrator.
For faster filing, or to learn more about Cellular Telephone Protection, visit
www.cardbenefitservices.com
Please submit the following documents:
-
The completed signed claim form
-
A copy of Your cellular wireless service provider billing statement demonstrating that the entire
monthly payment for the cellular wireless phone bill was made the month prior to the date of damage
or theft and has been paid with the eligible card.
-
If Your cellular wireless service provider's billing statement doesn't show payment with the
eligible card, a copy of Your card monthly billing statement that corresponds with the above
cellular wireless phone monthly billing statement
-
A copy of the device summary page from Your cellular wireless phone bill or other sufficient proof
of the claimed cell phone model linked to Your cell phone account
-
If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48) hours of the event
-
Based on the details of the claim, the Benefits Administrator may request additional verification
including:
-
An itemized repair estimate from an authorized cell phone repair facility
-
The damaged cell phone, for evaluation of its damage
-
An itemized store receipt for the replacement cell phone
-
Documentation (if available) of any other claim settlement such as Your cellular wireless provider
or manufacturer's insurance settlement (if applicable)
-
Any other documentation deemed necessary in the Benefits Administrator's sole discretion, to
substantiate Your claim. All claims must be fully substantiated as to the time, place, cause, and
purchase price of the cell phone.
If the cell phone is damaged, do not discard it until the claim has been fully reviewed.
How will I be reimbursed?
Depending on the nature and circumstances of Your claim, the Benefit Administrator may choose to repair
or replace Your cell phone or reimburse You for the lesser of:
-
Up to five hundred dollars ($500.00) after the fifty dollar ($50.00) deductible has been applied to
the replacement or repair cost; or
-
The current cellular wireless service provider's suggested retail value of a similar model
replacement cell phone, or the actual cost to replace it, whichever is lower (not including taxes,
delivery and transportation charges or fees associated with the cellular wireless service provider),
less Your fifty dollar ($50.00) deductible.
-
If Your cell phone is repairable, You will receive an amount as determined by the diagnostic to
repair the cell phone less Your fifty dollar ($50.00) deductible.
Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and
approval of Your claim form and all necessary documents.
Definitions
Computer Programs means a set of related electronic instructions which direct the operations
and functions of a computer or device connected to it, which enable the computer or device to receive, process,
store, retrieve or send data
Cyber Incidentmeans any of the following acts:
-
unauthorized access to or use of Your Digital Data or an Eligible Wireless Cellular Telephone;
-
alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or an Eligible Wireless Cellular
Telephone;
-
transmission or introduction of a computer virus or harmful code, including ransomware, into or
directed against Your Digital Data or an Eligible Wireless Cellular Telephone;
-
restriction or inhibition of access to or directed against Your Digital Data or an Eligible Wireless
Cellular Telephone
-
computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on an
Eligible Wireless Cellular Telephone during the manufacturing process, upgrade process, or normal
maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions,
or Computer Programs stored as or on, created or used on, or transmitted to or from computer software (including
systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with electronically controlled equipment.
Digital Data shall include the capacity of an Eligible Wireless Cellular Telephone to store information,
process information, and transmit information over the Internet.
Eligible Cellular Wireless Telephones are the lines listed on your most recent cellular
wireless service provider's ("cell phone provider") monthly billing statement for the billing cycle
prior to when the incident occurred.
Eligible Person means a cardholder who pays for their monthly cellular wireless phone bill
with their eligible card.
You and Your means an enrolled cardholder who has charged their monthly
cellular wireless phone bill to their covered card.
Additional provisions for Cellular Telephone Protection
-
Signed or pinned transactions are covered as long as You use Your eligible account to secure the
transaction.
-
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
-
If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist
for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
-
No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against
the Provider unless all the terms of the Guide to Benefits have been complied with fully.
-
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the
terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts,
statement messages or electronic notification. The benefits described in this Guide to Benefits will
not apply to cardholders whose Accounts have been suspended or cancelled.
-
Termination dates may vary by financial institutions. Your financial institution can cancel or
non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30)
days in advance. Indemnity Insurance Company of North America ("Provider") is the underwriter of
these benefits and is solely responsible for its administration and claims. The Benefit
Administrator provides services on behalf of the Provider.
-
After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the
payment made to You. You must give the Benefit Administrator all assistance as may reasonably be
required to secure all rights and remedies.
-
This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of
claims.
For more information about the benefit described in this guide, call the Benefit Administrator at
1-866-894-8569 or outside the U.S. call collect at 1- 303-967-1096.
purchase-security
Purchase Security
Life is full of surprises… some good surprises; and some, not so good.
For instance, Your son's
brand new iPad got soaked, in a sudden rainstorm at summer camp. But, You bought the item with Your card
so, You may be covered.
Purchase Security protects new retail purchases made with Your eligible
Account and/or rewards programs associated with Your covered Account within the first ninety (90) days
from the date of purchase. To be eligible for this coverage, You need to purchase either a portion or the
entire cost of the item using Your Account and/or rewards program associated with Your covered Account.
At the Benefit Administrator's discretion, this benefit replaces, repairs, or reimburses You, up
to the total purchase price of Your item for a maximum of ten thousand dollars ($10,000.00) per claim and
fifty thousand dollars ($50,000.00) per cardholder, in the event of theft or damage.
You are
eligible for this benefit if You are a cardholder of an eligible card issued in the United States. Gifts
purchased for friends and family members may also be covered if they are purchased with Your covered
Account and/or rewards program associated with Your covered Account.
Purchase Security covers
Eligible items of personal property purchased with Your Account and/or rewards program associated with
Your covered Account are covered for damage or theft. Purchases made outside the United States are also
covered as long as You purchased the item with Your covered Account and/or rewards program associated with
Your covered Account.
Purchase Security does not cover
-
Animals and living plants
-
Antiques or collectible items
-
Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or
accessories, including trailers and other items towable or attachable to any motorized vehicle
-
Broken items, unless the result of a covered occurrence
-
Computer software
-
Items purchased for resale, either professional or commercial use
-
Items that are lost, or that "mysteriously disappear," meaning they vanished in an unexplained manner,
with no evidence of wrongdoing by one person or several
-
Items under the control and care of a common carrier (including the U.S. Postal Service, airplanes, or
a delivery service)
-
Items in Your baggage (unless hand carried, or under Your supervision or that of a companion You
know); includes jewelry and watches, among other things
-
Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection,
terrorist activities, and more); confiscation by authorities (if contraband or illegal); normal wear
and tear; flood, earthquake, radioactive contamination; damage from inherent product defects
-
Theft or damage from misdelivery, or voluntarily parting with property
-
Medical equipment
-
Perishable or consumable items, including cosmetics, perfumes, rechargeable batteries, among others
-
Real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage
doors and openers, ceiling fans, among other items
-
Rented and leased items
-
Traveler's checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments
-
Items used or pre-owned (Refurbished items will not be considered used or pre-owned as long
accompanied by a warranty)
-
Losses caused by or resulting from a Cyber Incident
Filing a Purchase Security claim
Call the Benefit Administrator at 1-888-221-3289, within sixty (60) days of the damage or
theft (if You wait longer, coverage may be denied). The Benefit Administrator will ask for
some preliminary claim information, answer Your questions and send You a claim form. When You submit Your claim,
be sure to include all information regarding Your claim including the time, place, cause and the amount to
either replace or repair the item.
If You have insurance (homeowner's, renter's, car, employer
or any other), You are required to file a claim with Your insurance company and to submit a copy of any
claim settlement from Your insurance company along with Your claim form. Purchase Security provides
coverage on an "excess" coverage basis, meaning it does not duplicate coverage, but pays for a loss only
after valid and collectible insurance or indemnity (including, but not limited to, homeowner's, renter's,
automobile, or employer's insurance policies) has been exhausted. At that point, Purchase Security will
cover the loss up to the amount charged to Your eligible Account, subject to the terms, exclusions, and
limits of liability of the benefit.
This benefit also pays for the outstanding deductible
portion of Your insurance or indemnity for eligible claims. The maximum total limit of liability is up to
ten thousand dollars ($10,000.00) per claim occurrence and fifty thousand dollars ($50,000.00) per
cardholder. You will receive no more than the purchase price as recorded on the eligible card receipt.
When a protected item is part of a pair or set, You will receive no more than the value (as
described above) of the particular part or parts, stolen or damaged, regardless of any special value that
item may have as part of such a pair or set, and no more than the proportionate part of an aggregate
purchase price of such pair or set.
For faster filing, or to learn more about Purchase Security, visit
www.cardbenefitservices.com
Gift recipients may file their own claims, if they have the necessary substantiating documents.
Please submit the following documents:
-
Your signed and completed claim form
-
A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your eligible Account and/or rewards program associated
with Your covered Account
-
If more than one method of payment was used, please provide documentation as to additional currency,
voucher, points or any other payment method utilized
-
A copy of the itemized store receipt demonstrating that the purchase was made on Your eligible Account
and/or rewards program associated with Your covered Account
-
Copy of the documentation of any other settlement of the loss (if applicable)
-
If the item is repairable, the estimate of repair OR a copy of the paid receipt/invoice for the
repairs, indicating the type of damage to the claimed item (if applicable)
-
A copy of a police report (in the case of theft), fire report, or other incident report made within forty-eight (48) hours or as soon as reasonably possible of the occurrence.
All losses must be substantiated. If the loss was not
reported, please contact the Benefit Administrator to determine if there may be other documentation
that can be provided to determine your eligibility for Purchase Protection
-
Any other documents necessary to substantiate Your claim
In some cases of damage, You will be asked to send, at Your expense, the damaged item
along with Your claim in order to substantiate the claim, so make sure to keep the damaged item in Your
possession.
PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit
is the purchase price of the item, not to exceed the coverage limit.
Please return Your signed and completed form with all documentation within ninety (90) days of the date
of theft or damage.
How will I be reimbursed?
Once You've met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one
of two ways:
-
A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be replaced. Typically,
You will receive notice about this decision within fifteen (15) days upon receipt of Your claim
documentation.
-
You may receive payment to replace Your item, an amount not more than the original purchase price,
less shipping and handling charges, up to ten thousand dollars ($10,000.00) per claim and fifty
thousand dollars ($50,000.00) per cardholder. You will only be reimbursed up to the dollar amount to
replace or repair the item or the program limit, whichever is less. Under normal circumstances,
reimbursement will take place within five (5) business days.
Definitions for Purchase Security
Accountmeans Your credit or debit card Accounts.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or rewards program associated
with their covered Account.
You or Yourmeans an Eligible Person who used their
eligible Account to purchase the item and/or rewards program associated with their covered Account.
For more information about the benefit described in this guide, call the Benefit Administrator at
1-888-221-3289.
return-protection
Return Protection
Have You ever purchased an item which looks great on the Internet or spectacular in a store but doesn't
look as great once You remove its packaging at home? What if the retailer where You purchased the item
will not accept the return?
Return Protection may be able to assist You. Return Protection is a
benefit for eligible cardholders who make a purchase with their Account and/or rewards program associated
with their covered Account.
You are eligible for this benefit if You are a cardholder of a
covered card issued in the United States.
If You are disappointed with an item, within ninety
(90) days from the date of purchase, and the retailer will not accept a return, You can be reimbursed for
the purchase price, up to three hundred dollars ($300.00) per item of personal property, and an annual
maximum of one thousand dollars ($1,000.00), per Account.
The Return Protection benefit is supplemental to, and in excess of, any valid and collectible avenue of
recovery available to You, the eligible cardholder. The Benefit Administrator will reimburse the excess
amount, once all other coverage has been exhausted, up to the coverage amount.
What is covered?
Eligible items of personal property purchased with Your covered Account and/or rewards program associated
with Your covered Account are covered for reimbursement up to three hundred dollars ($300.00) per item at
an annual maximum of one thousand dollars ($1,000.00) per Account.
What is notcovered?
Return Protection does notapply to the following purchases:
-
Animals and living plants
-
Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or
accessories, including trailers and other items that can be towed by, or attached to, any motorized
vehicle
-
Cash, bullion, traveler's checks, tickets, credit or debit cards, and any other negotiable instruments
-
Computer software
-
Damaged, or non-working, items
-
Formal attire, including but not limited to, cocktail dresses, tuxedos, gowns, and formal accessories
-
Items purchased for resale, or for professional or commercial use
-
Items purchased outside the United States
-
Items that have been altered
-
Jewelry, art objects, rare or precious coins or stamps, antiques, and collectible items
-
Medical equipment
-
Perishables, consumables, and limited-life items, including but not limited to, rechargeable batteries
-
Real estate and items which are intended to become part of real estate, including but not limited to,
items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
-
Seasonal items, including but not limited to, holiday decorations
What if the store offers a guarantee?
This benefit is designed to cover You if the store will not allow You to return the item for a refund,
exchange or credit.
How to file a Return Protection claim
-
If You are not satisfied with Your purchase and the retailer will not accept the return, call the
Benefit Administrator, within ninety (90) days of the date of Your purchase, at 1-888-221-3289. The customer service representative will ask you for some preliminary information about Your claim and
send You a claim form.
-
Return the completed claim form within thirty (30) days of the first notice of loss to the Benefit
Administrator along with the following items:
-
Your original itemized sales receipt for Your purchase or original packing slip in the case of
mail order purchases
-
A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your covered Account and/or rewards program associated
with Your covered Account.
After You have collected all of these documents, please send to:
Card Benefit Services
P.O. Box 110889
Nashville, TN. 37222
Please Note: If You file a claim within the first thirty (30) days of purchase, You may be asked to
submit proof of the store's return policy.
-
A customer service representative will contact You after receiving Your claim paperwork. If additional
documents are requested, You will have sixty (60) days to fulfill that request. Once the claim
paperwork is complete, You will receive instructions for shipping the item with its original packaging
and any applicable manuals and warranties to Card Benefit Services. The cost of shipping is at your
expense.
The item must be in like-new or good working condition in order to be approved for reimbursement.
For faster filing, or to learn more about Return Protection visit
www.cardbenefitservices.com
How will I be reimbursed?
If Your claim is approved and the item has been received, the Benefit Administrator will issue a
reimbursement for the purchase price of the item, up to a maximum of three hundred dollars ($300.00) per
eligible item, or one thousand dollars ($1,000.00) annual maximum per Account, less any applicable
shipping and handling fees.
Definitions for Return Protection
Accountmeans Your credit or debit card Accounts.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/orrewards program associated
with their covered Account.
You or Yourmeans an Eligible Person who used their
eligible Account to purchase the item and/or rewards program associated with their covered Account.
For more information about the benefit described in this guide, call the Benefit Administrator at
1-888-221-3289.