MASTERCARD® GOLD CARD™ REWARD RULES
This document contains the official Reward Rules for the Mastercard Gold Card Account (“Account”) issued by Barclays Bank Delaware (“Barclays,” “we,” “us,” or “our”) and includes important conditions and limitations (“Reward Rules”) for your Account rewards program (“Program”). Use of your Account constitutes your acceptance of each of the terms described below and the terms of the Cardmember Agreement (“Cardmember Agreement”). “You,” “your” or “primary cardmember” means the person who applied for the Account. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Cardmember Agreement.
The Privacy Policy for Barclays is available online at myluxurycard.com. You agree that Barclays and Luxury Card will share information to the extent needed to administer the Program.
Reward Rules Administration
The Program and Reward Rules are administered by Barclays located in Wilmington, DE. We reserve the right to modify, amend or terminate the Reward Rules and the Program at any time with or without notice. You can review current Reward Rules any time by logging in to your Account at myluxurycard.com.
Gift card/eGift cards/certificates, merchandise, travel and experience redemptions are administered by IDS Ohio, Inc. (“InComm InCentives”) an independent company not affiliated with Barclays or Luxury Card. InComm InCentives Terms and Conditions (“Rewards Terms & Conditions”) specific to the aforementioned redemptions are available at myluxurycard.com on the Shop page.
To maintain your eligibility for participation in the Program through use of the Account:
- You must maintain an open Account that is in good standing. “Good Standing” means your Account is not in default under your Cardmember Agreement with us (in “Good Standing”).
- You must be an individual (corporations, partnerships, and other entities may not participate) and use the Account only for personal, family or household expenses.
- As long as the Program continues and the Account is open and in Good Standing, there is no limit to the total points you can earn and your points will not expire.
- You may not earn or redeem points during any period in which your Account is past due.
- If you have a rewards balance on your account that meets the minimum redemption requirement(s), you will have 60 days from the Account closure date to redeem any outstanding points, as long as your Account, at the time of closure, was not closed for any reasons outlined in the Points Forfeiture Section.
- All points earned by the primary cardmember and any authorized user(s) will be added to the primary Cardmember’s points balance.
- If you do not receive credit for earned points, please contact the Customer Service number on the back of your card.
- You have no property rights or other legal interest in points. Points amounts have no cash value or value of any kind until they are fully redeemed. Points may not be transferred or assigned.
- Participation in the Program through use of your Account is subject to all applicable laws and regulations. The sale or barter of any points offered through the Program earned through use of the Account, other than by us or Luxury Card, is expressly prohibited.
- You are solely responsible for any taxes that may be owed as a result of points earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclays does not provide tax advice.
- You can view a summary of your points earned through the use of your Account on your monthly Account billing statement or by logging into myluxurycard.com.
Earning Points
You earn points for purchases less credits, returns and adjustments (“Net Purchases”) made by you and/or any authorized user(s) of the Account as follows:
- You earn 1 point for every $1 spent on Net Purchases using your Account.
- Balance transfers, cash advances (including cash equivalent transactions such as, but not limited to, the use of your Account to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges and unauthorized/fraudulent purchases are not considered Net Purchases and do not earn points.
Bonus Offer
From time to time, we may offer bonuses of points or other incentives to new Mastercard Gold Card members in connection with an application for a new account. These bonuses and/or incentives are intended for applicants who are not and have not previously been Mastercard Gold Card members. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new Mastercard Gold Card account after this Account is opened. If you receive a bonus or incentive for which you are not eligible due to your status as a current or former Mastercard Gold Card member, we may revoke the bonus or incentive, or reduce your points by the amount of the bonus or incentive, or charge your Account for the fair value of the bonus or incentive, in our sole discretion.
Redeeming Points
- You have the option to redeem your points for travel redemptions (airfare, hotel and car rentals), cash back direct deposit to a U.S. checking or savings account, statement credits, gift cards/certificates, merchandise or unique experiences.
- Airfare redemptions start at 50 points for $1.
- Cash back direct deposit into a U.S. checking or savings account and cash back statement credit redemptions start at 50 points for $1.
- Hotel stays and car rental redemptions vary based on availability and the redemption option selected.
- Gift card/eGift cards/certificates, merchandise and experience redemption minimums vary based on what you are redeeming for.
- The primary cardmember can redeem points, either by phone or by logging in to their Account online. Any authorized user(s) on the Account is able to redeem points by phone.
- To redeem, visit myluxurycard.com or call the number on the back of your card.
- Barclays is not responsible for unauthorized redemptions on your Account.
- All redemptions are final. Points can’t be returned, refunded, exchanged or credited, unless otherwise specified.
Travel Redemptions
- You may redeem points for airfare, hotel and car rentals when you book through InComm InCentives on myluxurycard.com or by calling the customer service number on the back of your card. All air, hotels and car rentals travel must be booked through InComm InCentives. No other travel agency may be used for these offers. You may redeem points for a scheduled ticket on a participating major airline carrier, provided that the fares and schedules are found on, and the ability to generate a ticket (electronic or paper) is possible through the Global Distribution System (GDS). GDS provides the same flights and fares available to travel agencies, but lower fares may be available elsewhere, e.g. from charters, wholesalers, consolidators and any Internet fares that are not published and/or available through GDS.
- Your points are redeemed at a rate of 2% when redeeming for airfare through myluxurycard.com or by calling the Customer Service number on the back of your card. For example, 50,000 points equates to $1,000 in airfare redemptions.
- Redeeming points for hotel and car rentals is subject to availability and the number of points needed to redeem for them may change at anytime.
- All airline bookings are final and non-refundable unless a refundable ticket is redeemed. If you wish to cancel a booking, you will forfeit your points redeemed for that booking and may incur additional supplier fees.
- Air, hotel and/or car rental reward rates are only guaranteed at the time your booking is made. Redemption cost includes applicable taxes and fees at the time of booking.
- If you cancel a refundable booking, you must call the number on the back of your card to process the cancellation. Your points minus any airline fees, if applicable, will be added to your points balance within 30 days of cancellation. We cannot guarantee your points will be refunded to your points balance if you contact the airline directly to cancel a refundable fare ticket.
- Barclays, Luxury Card and InComm InCentives are not responsible for the performance of any airline, communication of airline schedule changes or any other changes made by the airline. Airline reservations should be reconfirmed by the primary cardmember or designated traveler at least 72 hours prior to departure. All reservations are subject to the conditions of carriage, supply or business of the service provider, which include exclusions and limitations of liability. The primary cardmember or designated traveler is responsible for obtaining a valid government-issued photo ID and the appropriate international travel documentation such as passports and visas.
- There are no restrictions or blackout dates for eligible or participating airfare redemptions.
- For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Travel page.
Cash Back (Statement Credit) Redemptions
- Redemptions for statement credits are a redemption rate of 2%. For example, you can redeem 5,000 points for $100 statement credit.
- The credit will be posted to your Account within 1-2 business days and will appear on your Account billing statement within 1 billing cycle.
- Statement credits reduce your Account balance but cannot be applied toward any minimum payment requirement and are otherwise subject to the terms and conditions applicable to your Account.
Cash Back Bank Deposit Redemptions
- Redemptions for a cash back bank deposit into a U.S. checking or savings account are a redemption rate of 2%. For example, you can redeem 5,000 points for a $100 cash back bank deposit.
- Bank deposit redemptions will be transferred to the requested U.S. checking or savings account within 3-4 business days.
- There is a $500 daily limit for bank deposit redemptions.
Gift Card/Certificate Redemptions
- The selection of gift cards/eGift cards/certificates are subject to availability and the number of points needed to redeem for them may change at any time.
- Terms of gift cards/eGift cards/certificates redemptions are subject to the rules of the merchant and may be viewed online at myluxurycard.com at the time of redemption. Each merchant/provider has the right to place restrictions on the use of its gift cards/eGift cards or gift certificates. Gift cards/eGift cards/certificates are not exchangeable, refundable, transferable or redeemable for cash, cannot be replaced if lost or stolen and are void where prohibited.
- Once you redeem for an eGift card, you must visit the Rewards Redemption History page at myluxurycard.com to retrieve your eGift card and to view the requirements for using your eGift card. The eGift card will be available for 12 months from the date of redemption, as long as your account is open and in Good Standing.
- Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Shop page.
Merchandise Redemptions
- The selection of merchandise items are subject to availability and the number of points needed to redeem them may change at any time.
- If applicable, any purchase, price and return protection and extended warranty coverage associated with your Account are not applicable to rewards. The manufacturer’s warranty, if any, applies to items offered. Please check product terms and conditions online at myluxurycard.com at the time of redemption for additional product information details.
- Velvet Glove delivery is available on select products. Additional details are available online at myluxurycard.com at the time of redemption.
Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Shop page. - Merchandise is nonrefundable and nonreturnable.
- Mail Delivery: If the merchandise you received is damaged or defective, you must contact the customer service number on the back of your card immediately and the merchandise must be returned within 30 days of delivery. No exchanges or returns are accepted after 30 days. Products must be in their original packaging. All parts must be included in the package before credit will be issued or a replacement of the damaged or defective merchandise will be shipped.
- Velvet Glove Delivery: Should you find an issue with the merchandise, you should refuse the delivery, ask the carrier to re-package and remove the merchandise from your premises, and contact the customer service number on the back of your card. Once you accept delivery, no refunds, exchanges, or replacements will be allowed.
Experience Redemptions
- Select experiences may be redeemed using your points. Please see the Item Rewards Terms & Conditions for availability and additional terms at the time of redemption on the Shop page at myluxurycard.com.
- All experiences available for redemption may be based on event ticket and/or accommodation availability. It is important to note that availability can change from time to time. While every effort will be made to fill your experience package with your first redemption choice, there are rare instances where this is simply impossible. Should this occur, you will be promptly contacted and given the opportunity to redeem for a different event or have your points refunded.
- Please do not make air or other travel arrangements until you receive the experience confirmation letter that includes all the details. The confirmation letter is sent via email but a physical copy can be mailed upon request. Please see the Item Terms and Descriptions for availability and additional terms at the time.
Additional Benefits
Priority Pass™ Select Benefits
- Primary cardmembers and authorized user(s) are eligible for a complimentary membership to participating airport lounges, which allows for unlimited visits for yourself as well as guests.
- You will automatically receive your membership card within 7–14 business days after your Mastercard Gold Card Account has been opened.
- You must present your personalized Priority Pass Select membership card for entry into the participating lounges. Your Mastercard Gold Card may not be used to gain entry into the lounge.
- For added convenience, most lounges can now be accessed using a Digital Membership Card through the Priority Pass app. To activate your Digital Membership Card visit PriorityPass.com/LuxuryCardDMC and create an online account using your Priority Pass Select membership number and expiry date shown on the front of your membership card.
- Your Priority Pass Select membership card will automatically be renewed annually if your Account is open and in Good Standing. Renewal terms and conditions are at the discretion of the Program and Barclays.
- Visit prioritypass.com/select for a complete list of participating lounges. Entry into lounges is subject to the rules and policies of each participating lounge.
Global Entry or TSA PreCheck Application Fee Credit
Primary cardmembers are eligible to receive a statement credit for the $100 Global Entry application fee or the $85 TSA PreCheck application fee once every 5 years.
Global Entry Membership is a 5-year membership that allows international travelers expedited entry upon arrival in the United States. Once approved, Global Entry members can use automated kiosks at most major U.S. airports. TSA PreCheck membership provides expedited security screening benefits for flights departing from U.S. Airports. It’s a U.S. government program that allows travelers deemed low-risk by the Transportation Security Administration (TSA) to pass through an expedited security screening.
- Primary cardmembers will receive a statement credit for the application fee, once the fee is charged to the Account, once every 5 years. For the benefit to apply, the Account must be open 7 days prior to application fee being charged.
- Please allow 2–3 weeks for the credit to appear on your Account statement.
- The eligibility to receive the application fee credit will reset every 5 years.
- Neither Barclays nor Luxury Card has control over the application and/or approval process for Global Entry or TSA PreCheck and neither has access to any information provided to the government by the cardmember or by the government to the cardmember. Barclays and Luxury Card have no liability regarding the Global Entry program or TSA PreCheck program. CBP and TSA PreCheck program charges an application fee to process the application regardless of whether the cardmember’s application is approved.
- For additional information on the Global Entry program and TSA PreCheck program, including information regarding the application and/or approval process (including restrictions and eligibility requirements) and for a list of participating airlines and airports, as well as the full terms and conditions of the program, please go to globalentry.gov or tsa.gov The Global Entry program and TSA PreCheck program are subject to change without prior notice, and we have no control over those changes.
$200 Annual Airline Credit
Primary cardmember’s qualifying airline purchases are eligible to receive a statement credit for a total amount of up to $200 each calendar year.
- To be eligible to receive the credit, the Account must be open and in good standing and the primary cardmember or authorized user(s) must use their Account for a qualifying airline purchase.
- Qualifying airline purchases are defined as purchases made by the primary cardmember or authorized user(s) with an airline for items including airfare, baggage fees, lounge access, and some in-flight purchases, as determined by the merchant category code. Barclays does not determine and is not responsible for whether merchants correctly identify themselves and bill purchases as being made at locations in a particular category.
- Please allow up to 2 weeks after the qualifying airline purchase is charged to your Account for statement credit(s) to be posted to the Account. Cardmembers are responsible for payment of all purchases on the Account regardless of eligibility for statement credit.
- This is an annual benefit and the maximum credit available per Account is $200 each calendar year (January 1 through December 31). The posted date that the purchase was made will be used to determine the applicable calendar year.
- This benefit is subject to change at any time at the sole discretion of Barclays.
Points Forfeiture
If your Account is closed for any of the following reasons, your points earned will be forfeited if/based upon:
- You or any authorized user(s) on the Account engages in any fraudulent or illegal activity through the use of your Account.
- You, or any authorized user(s) on the Account engage in any activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings, as determined by us in our sole discretion.
- You or any authorized user(s) on the Account have negative public record information identified.
- Your history of Account usage.
- Your Account is delinquent, as determined by Barclays in its sole discretion.
- You or any authorized user(s) on the Account violate any of the Account Rewards Rules.
- Your Account is otherwise in default under your Cardmember Agreement with us.
Limitation and Release of Liability
By participating in the Program and accepting and using points earned through the Program, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge and hold harmless Barclays, Luxury Card and their respective parent companies, subsidiaries, affiliates, agents, administrators, employees, officers, directors, successors and assignees from all claims, damages or liability including, but not limited to, physical injury or death, arising out of participation in the Program or travel taken or use of products purchased in connection with the Program. Barclays, Luxury Card, and InComm InCentives are not responsible for unauthorized redemptions on your Account. Barclays has no liability in case of disagreement over issuance of points, items received through redemptions, or a cardmember’s right to redeem or possess points.
Important General Program Disclosures
Barclays reserves the right to correct inaccurate points values represented on statements, our website and/or our mobile app, at our sole discretion. We may, at our sole discretion, cancel, modify, restrict or terminate the Program or any aspects or features of the Program at any time without prior notice. All interpretations of the Reward Rules shall be at our sole discretion. Other significant terms may apply. All trademarks and service marks belong to their respective owners. We are not responsible for typographical errors or omissions in this document, website, mobile app, or any marketing materials. Points cannot be combined with other discount or reward programs unless specifically authorized by us.
Cardmember Care
If you have any questions about the Program, please contact the Cardmember Care phone number on the back of your card.
©2021 Barclays Bank Delaware, Member FDIC
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MASTERCARD® GOLD CARD™ GUIDE TO BENEFITS
LUXURY CARD CONCIERGE SERVICES
Call 844-724-2500 any time of day or night to speak to a Luxury Card Concierge.®
Provides 24/7 personal concierge assistance to enhance travel, dining and entertainment experiences, provide household needs and access to unique benefits.
Mastercard Gold Card offers you the Luxury Card Concierge Service. Imagine your own Personal Assistant 24 hours a day, 7 days a week, 365 days of the year. Where knowledgeable experts can assist with whatever you need, whenever you need it. This takes “Concierge Service” to the next level with robust, personalized features that will save you time and simplify your day.
Benefits Include:
- Personal Profile to track preferences for travel, hotels, dining, entertainment, special occasions—and even food allergies.
- Local experts who can provide on-site assistance with everyday household needs—like being there when the new appliance is delivered, because you can’t be.
- Access to unique dining and entertainment venues to turn a special occasion into a memorable experience.
- Reminder service for those dates or events that you can’t afford to miss.
- Pre-trip planning services, providing you with critical information in advance of your trip including: 10-day weather forecast, travel requirements, city-specific news and conditions, safety and security advisory, suggested packing list, pre-arranged confirmations for dining and other services, top must-see attractions, fitness facilities, jogging paths and recreation within close proximity of your hotel, etc.
Let Luxury Card Concierge assist you today, so you can have your day back! Our experts look forward to assisting you at 844-724-2500 or concierge@luxurycard.com.
Important information. Please read and save.
This Guide supersedes any guide or program description you may have received earlier. This Guide to Benefits contains detailed information about benefits available to you as a Luxury Card Cardmember.
Please read carefully, each benefit description provides you with the details on what coverage you have and any exclusions and restrictions.
This Guide includes important details about the benefits that come with your Luxury Card at no additional cost. Read ahead to learn how Luxury Card can provide you peace of mind when traveling. Keep this Guide in a safe place so you know how to make the most of your benefits when you need them.
The benefits, as described in this Guide, apply to purchases made with your Luxury Card on or after the effective date, and this Guide then replaces any Summary or other program description you may have received earlier.
From time to time benefits may be modified, updated or removed. All benefits may not be listed in this Guide to Benefits. Please go to the Rewards and Benefits section of the customer website at myluxurycard.com for more information about all the benefits available to you and to view your current Guide to Benefits.
To file a claim, call 1-800-Mastercard: 1-800-627-8372. Español: 1-800-633-4466. “Card” refers to Luxury Card card and “Cardmember” refers to a Luxury Card Cardmember.
CELLULAR WIRELESS TELEPHONE PROTECTION
Key Terms:
Throughout this benefit, you and your refer to the Cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG company, New York, NY.
- Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.
- Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-Mastercard.
- Authorized User means a person who is recorded as an Authorized User of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
- Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing.
- Covered Card means the Mastercard® card linked to Your Eligible Account.
- Eligible Account means the account associated with the Cardholder’s U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.
- Eligible Cellular Wireless Telephones means the cellular telephones associated with the primary line and additional or supplemental lines on the Eligible Person’s monthly billing statement from a cellular provider for the billing cycle preceding the month in which the theft or damage occurred.
- Eligible Person means a Cardholder who charges his or her monthly bill for an Eligible Cellular Wireless Telephone to his or her Covered Card. No person or entity other than the Eligible Person(s) described shall have any legal or equitable right, remedy or claim for the insurance proceeds arising out of this coverage.
- Evidence of Coverage (EOC) means the summary of benefits set forth below which describe the terms, conditions, limitations and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern your coverage.
- Group Policy means the Cellular Protection Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
- Mysteriously Disappear means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
- Stolen means taken by force and/or under duress or a loss which involves the disappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.
A. To Get Coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Covered Card. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill to your Covered Card. If you pay an Eligible Cellular Wireless Telephone bill with your Covered Card and fail to pay a subsequent bill to your Covered Card in a particular month, your coverage period changes as follows:
- Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to your Covered Card; and
- Your coverage resumes on the first day of the calendar month following the date of any future payment of your Eligible Cellular Wireless Telephone bill with your Covered Card.
B. The kind of Coverage You Receive:
- Reimbursement for the actual cost to replace or repair a Stolen or damaged Eligible Cellular Wireless Telephone.
- Coverage ends on the earliest of: The date you no longer are a Cardholder; the date the Covered Card is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the Group Policy; the date the participating organization ceases to participate in the Group Policy; the date the Group Policy is terminated.
C. Coverage Limitations:
Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800 per claim for World Elite Mastercard, and $1,000 per Covered Card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Covered Card per 12-month period.
Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited only to those amounts not covered by any other insurance or indemnity. In no event will this coverage apply as contributing insurance. This “noncontribution” clause will take precedence over a similar clause found in other insurance or indemnity language.
D. What is NOT Covered:
The following items are excluded from coverage under the Group Policy:
- Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer;
- Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use;
- Eligible Cellular Wireless Telephones that are lost or Mysteriously Disappear;
- Eligible Cellular Wireless Telephones under the care and control of a Common Carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service;
- Eligible Cellular Wireless Telephones Stolen from baggage unless hand-carried and under the Eligible Person’s supervision or under the supervision of the Eligible Person’s traveling companion who is previously known to the Eligible Person;
- Eligible Cellular Wireless Telephones Stolen from a construction site;
- Eligible Cellular Wireless Telephones which have been rented or leased from a person or company other than a cellular provider;
- Eligible Cellular Wireless Telephones which have been borrowed;
- Eligible Cellular Wireless Telephones that are received as part of a pre-paid plan;
- Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls or to use other features related to making or receiving phone calls);
- 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 or vermin;
- Damage or theft resulting from miss-delivery or voluntary parting from the Eligible Cellular Wireless Telephone;
- Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider;
- Taxes, delivery or transportation charges or any fees associated with the service provided; and
- Losses covered under a warranty issued by a manufacturer, distributor or seller.
In addition, we shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit under the Group Policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us, our parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.
E. How to File a Claim
Call 1-800-Mastercard or go to MyCardBenefits.com to open a claim. You must report the claim within 90 days of the loss, or as soon as reasonably possible, or the claim may not be honored. Upon receipt of a notice of claim, we will provide you with the necessary instructions for filing proof of loss. Written proof of loss must be submitted to our Administrator within 120 days of the loss or the claim may not be honored. Required documentation may include but is not limited to the following:
- Your card statement reflecting the monthly Eligible Cellular Wireless Telephone payments for the month preceding the date the Eligible Cellular Wireless Telephone was Stolen or suffered damage;
- A copy of Your current wireless service provider’s billing statement;
- If a claim is due to damage, a copy of the repair estimate and photos of the damage;
- If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and
- Any other documentation or information reasonably requested by Us to support the claim.
LEGAL DISCLOSURE
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the Cardholder, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group Policy.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the insurance coverage for all Cardholders. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to Eligible Accounts issued in the United States. The United States is defined as the fifty U.S. states and the District of Columbia. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned. Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the Group Policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the Group Policy.
Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
Salvage: If an item is not repairable, we may request that you send the item to us for salvage at your expense. Failure to remit the requested item for salvage to us may result in denial of the claim.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy, the Group Policy shall control.
Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are in the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy, the Guide to Benefits shall control.
MASTERCARD ID THEFT PROTECTION™
Program Description:
Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft.
Eligibility:
All Mastercard consumer credit cardholders in the US are eligible for this coverage. Enrollment is required.
Service Provider: ID Theft Protection is provided by Generali Global Assistance, Inc. More information about this service provider is available at: mastercardus.idprotectiononline.com/.
Access: To receive ID Theft Protection, you must enroll at: mastercardus.idprotectiononline.com/. ID Theft Protection is provided on a 24-hour basis, 365 days a year. Contact 1-800-Mastercard if you believe you have been a victim of identity theft.
Charges: There is no charge for ID Theft Protection, it is provided by your financial institution.
Program Provisions for Mastercard ID Theft Protection:
To receive ID Theft Protection, you must enroll as described above and such benefits related to ID Theft Protection accrue as of the date of enrollment. Mastercard ID Theft Protection is governed by the terms provided in this Guide to Benefits and the Terms and Conditions and Terms of Service available at: mastercardus.idprotectiononline.com/. The terms and conditions contained in this Guide to Benefits may be modified by subsequent mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the provider non-renews or cancels any services provided to eligible Mastercard cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar service takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard or please see mastercardus.idprotectiononline.com/.
ID Theft Protection Services Provided:
1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
Personally Identifiable Information (PII)
Compromised Credentials monitors for a combination of email address /username /password /security questions located within:
- Hacker account dump sites
- Hacktivist forums
- Data leaks
- Malware logs
Alerts are sent with event details, also listed within resolution console and most often includes source of breach (from where the data was harvested).
High-Risk Transactions monitors a Consumer’s high-risk transactions with more than 300 of the nation’s largest companies to uncover and thwart account takeover attempts. Knowledge-Based Authentication (questions only an individual should know about themselves such as what street they lived on in 2009) used by organizations across industries limits the risk of identity theft or account takeover. Alerts are sent when a series of knowledge-based authentication questions are generated to validate the Consumer’s identity (i.e. when accessing a credit report). Monitored transactions include:
- Credit cards
- Bank accounts
- Brokerage accounts
- Healthcare portals
- Workplace intranets
- Other services (e.g. peer-to-peer fund transfers)
Dark Web Monitoring provides monitoring of underground web pages people can visit without third parties being able to trace the location of the web visitors or the web page publisher. Dark web sites make up about .01% of the Internet and are intentionally hidden or protected by encryption technologies and not accessible via standard web browsers.
Credit Information
Single Bureau Credit Monitoring monitors a Consumer’s TransUnion credit file for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. In order to use this service, Consumers must provide some personal information, such as name, address, date of birth, and SSN, and undergo either digital verification via text or knowledge-based authentication. ID Theft Protection sends alert notification emails, such as change of address alerts, anytime potentially unauthorized inquiries or suspicious activities on Consumer’s credit file are detected so they can take immediate action to minimize damage.
Additional Information
Small Business ID Theft Protection upgrades ID Theft Protection identity monitoring services by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for the Consumer’s business URL and domain (limited to 10 domains) within corporate data breaches, malicious thirdparty botnets and criminal forums.
2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
- Email Addresses
- Debit/Credit Cards
- Loyalty/Affinity Cards
- Bank Accounts Number
- Passport Numbers
- Medical and Vehicle Insurance Cards
- Drivers Licenses
- National Identity Numbers/Social Security Numbers
- New Lines of Credit
- Address Changes
3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE RESOLUTION OR SPECIALIST SUPPORT
Self-Service ID Theft Resolution Kit is a self-service resolution document which informs Consumers of the different forms of ID theft, and how to resolve each situation. Resolution tools in the kit include preventive measures, step-by-step guides and sample letters to be sent to collection agencies.
Access to Resolutions Specialists which assigns a personal case manager to help take care of everything.
Self-Service ID Theft Wizard provides step-by-step advice for many identity theft scenarios that Consumers may face. All ID Theft Protection users have access to the Identity Theft Protection Kit found in the Profile section of their portal, which explains the many forms of identity theft and provides protective measures anyone can take to limit their risk. The kit also contains a Federal Trade Commission sample affidavit form, as well as sample letter templates for filing disputes in cases of identity theft or fraud.
Online Fraud Alert allow Consumers to place a statement on their credit report that instructs lenders to contact the Consumer before issuing new credit. This makes it more difficult for an identity thief to open new accounts in their name. When Consumers place a fraud alert with one bureau, the other two bureaus are informed, and the alert is then placed on all three bureau files. Fraud alert placement is free, and alerts stay on the Consumer credit files for one year.
MASTERCARD GLOBAL SERVICE
Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement , and Emergency Cash Advance . Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.
Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account.
In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:
Australia – 1-800-120-113 | Mexico – 001-800-307-7309 |
Austria – 0800-070-6138 | Netherlands – 0800-022-5821 |
France – 0-800-90-1387 | Poland – 0-0800-111-1211 |
Germany – 0800-071-3542 | Portugal – 800-8-11-272 |
Hungary – 06800-12517 | Spain – 900-822-756 |
Ireland – 1-800-55-7378 | United Kingdom – 0800-96-4767 |
Italy – 800-870-866 | Virgin Islands – 1-800-307-7309 |
For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at mastercard.com or call the United States collect at 1-636-722-7111.
Account Information and Card Benefits:
When in the United States, contact Your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access Your card issuer for account information or to access any of Your card benefits.
ATM Locations:
Call 1-877-FINDATM (877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro,® and Cirrus® brands. Also, visit our website at mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide. To enable cash access, be sure You know Your Personal Identification Number (PIN) before you travel.
TRAVEL ASSISTANCE SERVICES
Rely on Travel Assistance Services when you’re away from home. Travel Assistance Services is your guide to many important services you may need when traveling. Benefits are designed to assist you or your travel companions when you’re traveling 50 miles or more from home.
- This is reassuring, especially when visiting a place for the first time or not speaking the language. For services, call 1-800-Mastercard. Enrollment is automatic and the assistance service is free to cardholders . Please keep in mind that you will be responsible for the fees incurred for professional or emergency services requested of Travel Assistance Services (e.g., medical or legal bills).
- Travel Assistance Services are available worldwide, with the exception of those countries and territories which may be involved in an international or internal conflict, or in those countries and territories where the existing infrastructure is deemed inadequate to guarantee service. You may contact us prior to embarking on a covered trip to confirm whether or not services are available at your destination(s).
MasterTrip® Travel Assistance
Before you begin your trip, MasterTrip provides information on travel requirements including documentation (visas, passports), immunizations or currency exchange rates. The exchange rate provided may differ from the exact rate that issuers use for transactions on your card. Information on exchange rates for items billed on your statement should be obtained from the financial institution that issued your card. MasterTrip will also help you locate any lost or stolen travel materials, including luggage. This is not an insurance policy for lost/stolen luggage and we do not reimburse you for a permanent loss.
If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a family member, friend, or business account. This service does not provide maps or information regarding road conditions.
Travel Services Medical Assistance
Provides a global referral network of general physicians, dentists, hospitals and pharmacies. We can also help you refill prescriptions with local pharmacists (subject to local laws). In the event of emergencies, a stateside physician or nurse can be contacted for consultation with the local medical staff and to monitor your condition. If you are hospitalized, we can arrange to have messages relayed home, transfer you to another facility if medically necessary, or have a family member or close friend brought to your bedside if you have been traveling alone (at cardholder’s expense). If a tragedy occurs, we’ll assist in securing travel arrangements for you and your travel companion(s).
MasterLegal® Referral Service
Provides You with English-speaking legal referrals or consults with appropriate embassies and consulates regarding Your situation.
Will assist in transfers up to $5,000 in cash from a Family Member, friend or business to cover legal fees or to post bail. There is no charge for referral services; however, legal and bail fees are Your responsibility.
Master RoadAssist® Roadside Service
(Available only when traveling in the 50 United States and the District of Columbia)
If your car breaks down on the road, just call 1-800-Mastercard and tell us where you are. We’ll send someone to the rescue. This is not only reassuring, but it may also save you money because fees for many services (jumpstarts, towing, gas delivery, and tire changes) are pre-negotiated. Road service fees will be automatically billed to your Mastercard account.
You are responsible for emergency road service charges incurred by towing facilities responding to your dispatch, even if you are not with your vehicle (or it’s gone) when the tow truck arrives. Mastercard International is not responsible or liable for the service the towing facility provides. Towing facilities are independent contractors, solely liable for their services.
Emergency road service is not available in areas not regularly traveled, in “off road” areas not accessible by ordinary towing vehicles, or for over one-ton capacity trailers, campers or If you have a rental car, be sure to call the rental car agency before you call 1-800-Mastercard, as many rental agencies have special procedures regarding emergency road service assistance.
ENHANCED TRIP CANCELLATION AND TRIP INTERRUPTION INSURANCE
Key Terms:
Throughout this document, you and your refer to a Cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG Company, New York, NY.
Accident(al) means a sudden, unforeseen, and unexpected event which: (1) Happens by chance; (2) arises from a source external to the Eligible Traveler; (3) is independent of illness, disease or their bodily malfunction or medical or surgical treatment thereof; (4) occurs while you are insured under the Group Policy; and (5) is the direct cause of loss.
Accidental Bodily Injury means an Accidental injury to the body of an external origin, unintentional and unforeseen by the Eligible Traveler. An Accidental Bodily Injury must be verified by a Physician.
Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-mastercard.
Authorized User means a person who is recorded as an authorized user of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing who is a U.S. citizen or a legal resident of the U.S. or a U.S. territory, including the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands, and the Northern Mariana Islands.
Common Carrier means any land, water, or air conveyance operating under a valid 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, commuter rail or commuter bus lines, personal automobiles, or rental vehicles.
Covered Card means the Mastercard® card linked to your Eligible Account.
Covered Trip means a period of round-trip travel to one or more destinations other than an Eligible Traveler’s place of residence at the time of departure where: (1) The Eligible Traveler departs by Common Carrier to begin the period of round-trip travel; (2) the period of round-trip travel ends when the Eligible Traveler returns by Common Carrier to the place of departure; (3) the period of round-trip travel does not exceed three hundred sixty-five (365) days away from the Eligible Traveler’s place of residence at the time of departure; and (4) the Eligible Traveler charges the full amount of the cost of transportation by Common Carrier(s) to your Covered Card. The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).
Domestic Partner means a person who can provide documentation of registration of a Domestic Partner relationship with another person pursuant to a state, county, or municipal provision or who meets all of the following qualifications: (1) Has resided with his or her partner continuously for at least 12 months in a solepartner relationship that is intended to be permanent; (2) is not married to any other person; (3) is at least 18 years old; (4) is not related to his or her partner by blood closer than would bar marriage per state law; and (5) is financially interdependent with his or her partner as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance.
Eligible Account means the account associated with a U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.
Eligible Traveler means you and your Family Members and Traveling Companions who purchase a Covered Trip to your Covered Card.
Evidence of Coverage (EOC) means the summary of benefits set forth below which describes the terms, conditions, limitations and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern your coverage.
Family Member means a spouse, Domestic Partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full-time student at an accredited college or university).
Group Policy means the Trip Cancellation/Interruption Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
Physician means a licensed medical, surgical, or dental practitioner acting within the scope of his or her license. The treating Physician may not be an Eligible Traveler, an Eligible Traveler’s Family Member, a Traveling Companion or related to an Eligible Traveler by blood.
Pre-Existing Condition means any condition resulting from any injury or Sickness affecting an Eligible Traveler, a Traveling Companion, or a Family Member traveling with an Eligible Traveler within the sixty (60) day period prior to the purchase date of a Covered Trip. The condition must have (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care, or treatment; (b) required taking prescribed drugs or medicine; or (c) required medical treatment or treatment was recommended by a Physician. Taking maintenance medications for a condition that is considered stable is not included as a Pre-Existing Condition.
Sickness means ill health, disorder, or unsound condition that is diagnosed or treated by a Physician.
Terrorist Action means an act of violence by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government, that is deemed terrorism by the United States Government, other than civil disorder or riot, and is not an act of war, declared or undeclared, and results in loss of life or major damage to property.
Traveling Companion means an individual who has made advanced arrangements with you or your Family Members to travel together for all or part of a Covered Trip.
Travel Supplier means a tour operator, innkeeper, resort, or a cruise line, airline, railroad or other Common Carrier.
Trip Cancellation means the cancellation of travel arrangements when the Eligible Traveler is prevented from traveling on a Common Carrier for a Covered Trip on or before the departure of the Covered Trip.
Trip Interruption means the interruption of the Covered Trip either on the way to the point of departure or after departure of the Covered Trip.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.
A. To Get Coverage:
You must charge the full amount of a Covered Trip to your Covered Card or in combination with your Covered Card and accumulated points on your Eligible Account or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.
B. Covered Losses:
Covered Losses include Trip Cancellations or Trip Interruptions that result from the following:
- Accidental Bodily Injury or loss of life or Sickness of either the Eligible Traveler, Traveling Companion or an immediate Family Member of the Eligible Traveler or Traveling Companion;
- Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather or natural disaster that causes all travel to or from the scheduled destination to stop for at least 24 hours);
- The Eligible Traveler or his or her spouse’s change in military orders;
- Terrorist Action or hijacking;
- Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived; or
- The Eligible Traveler or Traveling Companion’s dwelling made uninhabitable; or
- Quarantine imposed by a Physician for health reason.
C. The kind of coverage You receive:
TRIP CANCELLATION
We will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card if a Covered Loss causes an Eligible Traveler’s Trip Cancellation, subject to the cancellation provisions in effect at the time the Travel Supplier is notified of cancellation.
If a Physician advises the Eligible Traveler that a Covered Trip is medically inadvisable, the Eligible Traveler must immediately notify the appropriate Travel Supplier of his or her Trip Cancellation after receiving such medical advice. If the Eligible Traveler does not provide such notification, our payment will not exceed the cancellation penalties imposed by the Travel Supplier and in effect during the forty-eight (48) hour period immediately following the Physician’s notice that travel was not advisable, subject to any other limits set forth herein.
Trip Interruption
If a Covered Loss causes an Eligible Traveler’s Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card for the following:
- The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed; and
- Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her Common Carrier Covered Trip or to return to his or her place of origin.
If a Covered Loss causes an Eligible Traveler to temporarily postpone transportation by Common Carrier for a Covered Trip and a new departure date is set, we will reimburse you for the following:
- The additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled Covered Trip by the most direct route); and
- The unused, non-refundable land, air, and sea arrangements paid to a Travel Supplier with your Covered Card.
Terms of Coverage
Coverage begins on the date the Covered Trip was purchased and ends immediately at the time the Covered Trip is completed.
An Eligible Traveler’s coverage terminates on any of the following dates: The date the Eligible Traveler is no longer eligible to participate; the date the Eligible Account is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the Group Policy; the date the participating organization ceases to participate in the Group Policy; or the date the Group Policy is terminated.
Coverage Limitations:
The maximum benefit amount for Trip Cancellation is $5,000 per Covered Trip and $10,000 per Eligible Account per 12 consecutive month period.
The maximum benefit amount for Trip Interruption is $5,000 per Covered Trip and $10,000 per Eligible Account per 12 consecutive month period.
Coverage is secondary to and in excess of any other applicable insurance or benefit available to the Eligible Traveler including benefits provided by the Travel Supplier, such as exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers. In no event will this coverage apply as contributing insurance. This “non-contribution” clause will take precedence over the “non-contribution” clauses found in other insurance or indemnity language. Coverage is not available in states where prohibited.
D. What is NOT Covered:
Coverage does not apply to any Accident, Accidental Bodily Injury, or loss caused by or resulting from the following, directly or indirectly.
- Pre-Existing Conditions.
- The Eligible Traveler’s intentionally self-inflicted injuries, including suicide or attempted suicide.
- A declared or undeclared war.
- Mental or emotional disorders, unless hospitalized.
- The Eligible Traveler’s participation in a sporting activity for which he or she receives a salary or prize money.
- The Eligible Traveler being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
- The Eligible Traveler being under the influence of any narcotic or other controlled substance at the time of an Accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician.
- The Eligible Traveler’s commission or attempted commission of any illegal or criminal act, including but not limited to any felony.
- The Eligible Traveler parachuting from an aircraft.
- The Eligible Traveler engaging or participating in a motorized vehicular race or speed contest.
- Dental treatment except as a result of Accidental Bodily Injury to sound, natural teeth.
- Any non-emergency treatment or surgery, routine physical examinations.
- Hearing aids, eye glasses or contact lenses.
- One-way travel that does not have a return destination.
E. How to File a Claim:
Notification of Claims: Visit MyCardBenefits.com or call 1-800-mastercard to open a claim. You must notify the Administrator of your claim within sixty (60) days of the Covered Loss or the claim may not be honored. You must also notify the Travel Supplier and complete its claim procedures.
Claim Forms: Upon receipt of notice of your claim, we will furnish you with such instructions as are usually furnished by us for filing proof of loss.
Proof of Loss: You must furnish written proof of loss to us within 180 days after the date of your loss. Failure to file such proof within the time required will not invalidate or reduce your claim if it was not reasonably possible to give proof within such time, provided you furnish such proof as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one (1) year from the time proof is otherwise required. Required documentation may include the following:
- Copies of your Common Carrier tickets and Travel Supplier receipts.
- Your Covered Card billing statement showing the charges for the Covered Trip.
- Proof of Covered Loss, as applicable, including court subpoenas, orders to report for active duty, Physician orders, etc.
- A copy of the Travel Supplier’s cancellation policy.
- Any other information that may be reasonably requested by us to validate your claim.
LEGAL DISCLOSURE
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the Cardholder, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group Policy.
- Effective date of benefits: Effective September 1, 2021, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and we reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
- Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the insurance coverage for all Eligible Accounts. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.
- Benefits to You: These benefits apply only to U.S. issued Eligible Accounts. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
- Legal Actions: No action at law or in equity may be brought to recover under the Group Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of the Group Policy. No such action may be brought after the expiration of two (2) years from the time written proof of loss is required to be furnished.
- Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned.
- Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the Group Policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
- Due Diligence: The Eligible Traveler must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the Group Policy.
- Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
Other Limitation: Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability .
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy, the Group Policy shall control. Provision of services is subject to availability and applicable legal restrictions.
- Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy, the Guide to Benefits shall control.
TRAVEL ACCIDENT AND BAGGAGE DELAY
The Plan
As a MasterCard Cardholder, you, your spouse or domestic partner and unmarried dependent children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers or coupons, has been charged to your MasterCard Card account. If the entire cost of the passenger fare has been charged to your MasterCard account prior to departure for the airport, terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport limousine); immediately, a) preceding your departure, directly to the airport, terminal or station b) while at the airport, terminal or station, and c) immediately following your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your MasterCard account. This coverage does not include Commutation. Commutation is defined as travel between the Insured Person’s residence and regular place of employment. Common Carrier means any land, water or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire.
Important Definitions
Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. Dependent Child(ren) means those children, including adopted children and children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: 1) under the age of twenty-five (25) and reside with the Insured Person: or 2) beyond the age of twenty-five (25), permanently mentally or physically challenged, and incapable of self-support; or 3) under the age of twenty-five (25) and classified as a full-time student at an institution of higher learning. Domestic Partner means a person designated in writing by the primary insured person, who is at least eighteen (18) years of age, and who during the past twelve (12) months: 1) has been in a committed relationship with the primary insured person; and 2) has been the primary insured person’s sole spousal equivalent; and 3) has resided in the same household as the primary insured person; and 4) been jointly responsible with the primary insured person for each other’s financial obligation, and who intends to continue the relationship above indefinitely.
The Benefits
The full Benefit Amount of $250,000 is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing or any combination thereof. One half of the Benefit Amount is payable for accidental loss of: one member, sight of one eye, speech or hearing. “Member” means hand or foot. One quarter of the Benefit Amount is payable for the 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 4 fingers 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 they are later reattached. “Benefit Amount” means the Loss amount applicable at the time the entire cost of the passenger fare is charged to the eligible MasterCard account. The loss must occur within one year of the accident. The Company will pay the single largest applicable Benefit Amount. In no event will duplicate request forms or multiple charge cards obligate the Company in excess of the stated Benefit Amounts for any one loss sustained by any one individual insured as the result of any one accident. 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 three (3) times the Benefit Amount for loss of life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance.
Baggage Delay
We will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day for three (3) days in the event of a Baggage Delay. Our payment is limited to expenses incurred for the emergency purchase of essential items needed by the Insured Person while on a covered trip and at a destination other than the Insured Person’s primary residence. Essential items not covered by Baggage Delay include, but are not limited to: 1) contact lenses, eyeglasses or hearing aids; 2) artificial teeth, dental bridges or prosthetic devices; 3) tickets, documents, money, securities, checks, travelers checks and valuable papers; or 4) business samples; The Baggage Delay Benefit Amount is excess over any other insurance (including homeowners) or indemnity (including any reimbursements by the airline, cruise line, railroad, station authority, occupancy provider) available to the Insured Person. Baggage Delay means a delay or misdirection of the Insured Person’s Baggage by a Common Carrier for more than four (4) hours from the time the Insured Person arrives at the destination on the Insured Person’s ticket.
Eligibility
This travel insurance plan is provided to MasterCard cardholders automatically when the entire cost of the passenger fare(s) are charged to a MasterCard account while the insurance is effective. It is not necessary for you to notify your financial institution, the administrator or the Company when tickets are purchased.
The Cost
This travel insurance plan is provided at no additional cost to eligible MasterCard cardholders. Your financial institution pays the premium for this insurance.
Beneficiary
The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured.
Exclusions
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions; 2) suicide, attempted suicide or intentionally self-inflicted injuries; 3) declared or undeclared war, but war does not include acts of terrorism; This insurance also does not apply to an accident occurring while an Insured is acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.
Claim Notice
Written claim notice must be given to the Company within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete proof of loss. CLAIM PAYMENT: For all benefits, the Company will pay you or your beneficiary the applicable benefit amount within 60 days after complete proof of loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.
How To File A Claim:
To file a claim please call 1-800-MasterCard. Claims are processed by the Claim Administrator, Crawford and Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to: Crawford and Company, P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once a claim number is assigned, supporting documentation for the claim can also be submitted through Myclaimsagent.com.
Effective Date
This insurance is effective on the date that you become an eligible cardholder; and will cease on the date the Master Policy 6477-44-67 is terminated or on the date your account ceases to be eligible, whichever occurs first.
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: Financial Customer Insurance Trust. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.
MASTERRENTAL COVERAGE
KEY TERMS
Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-800-Mastercard.
Authorized Driver(s) means a driver with a valid driver’s license issued from their state of residence and indicated on the rental agreement.
Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for the covered card.
Covered Card means the Mastercard card.
Damage means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.
Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.
Rental Agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement.
Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the probability of theft.
United States Dollars (USD) means the currency of the United States of America.
Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.
Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a vehicle for 31 consecutive days or less with your covered card, you are eligible for benefits under this coverage.
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not considered rental charges) with your covered card and/or the accumulated points from your covered card at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card.
You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company.
You must rent the vehicle in your own name and sign the rental agreement.
Your rental agreement must be for a rental period of no more than 31 consecutive days. Rental periods that exceed or are intended to exceed 31 consecutive days are not covered.
B. The kind of coverage you receive:
We will pay for the following on a secondary basis:
- Physical damage and theft of the vehicle, not to exceed the limits outlined below.
- Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss of use charges must be substantiated by a location and class-specific fleet utilization log.
- Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party.
C. Coordination of benefits:
When MasterRental is provided on a secondary basis and a covered loss has occurred, the order in which benefits are determined is as follows:
- You or an authorized driver’s primary auto insurance;
- Collision/damage waiver provided to you by the rental agency;
- Any other collectible insurance;
- The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the other insurance.
Note: In certain parts of the United States and Canada, losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, coverage is considered primary coverage.
D. Who is covered:
The covered card cardholder and those designated in the rental agreement as authorized drivers.
E. Excluded rental vehicles:
- All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles.
- All sport utility trucks. These are vehicles that have been, or can be converted to an open, flatbed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
- Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
- Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
F. Where you are covered:
Coverage is available worldwide.
Coverage is not available in countries where:
- This EOC is prohibited by that country’s law; or
- The terms of the EOC are in conflict with the laws of that country.
G. Coverage limitations:
We will pay the lesser of the following:
- The actual repair amount;
- Wholesale market value less salvage and depreciation;
- The rental agency’s purchase invoice less salvage and depreciation.
In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service.
We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.
H. What is NOT covered:
- Any personal item stolen from the interior or exterior of rental vehicles.
- Vehicle keys or portable Global Positioning Systems (GPS).
- Vehicles not rented by the cardholder or authorized user on the covered card.
- Any person not designated in the rental agreement as an authorized driver.
- Any obligations you assume other than what is specifically covered under the rental agreement or your primary vehicle insurance or other indemnity policy.
- Any violation of the written terms and conditions of the rental agreement.
- Any loss that occurs while driving under the influence of drugs or alcohol.
- Any loss associated with racing or reckless driving.
- Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
- Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
- Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
- Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
- Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/purchased by you.
- Any damage that is of an intentional or non-accidental nature, caused by you or an authorized driver of the rental vehicle.
- Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle rental company.
- Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of 31 consecutive days from a rental agency.
- Losses resulting from any kind of illegal activity.
- Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
- Damage sustained on any road not regularly maintained by a municipal, state, or federal entity.
- Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
- Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
- Theft of, or damage to, unlocked or unsecured vehicles.
- Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
I. How to file a claim:
- Visit mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
- You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact us or our designated representative for further details.
- Submit the following documentation within one hundred and eighty (180) days of the incident or the claim may not be honored:
- Receipt showing the vehicle rental.
- Statement showing the vehicle rental.
- The rental agreement (front and back).
- Copy of Your valid driver’s license (front and back).
- Copy of the declarations page of any primary vehicle insurance and other valid insurance or coverage.
- Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in a collision that requires the vehicle to be towed, in a multi-vehicle collision, or the vehicle is not drivable.
- Itemized repair estimate from a factory authorized collision repair facility.
- Copy of the vehicle rental company promotion/discount, if applicable.
- Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
- Any other documentation that may be reasonably requested by us or our administrator to validate a claim.
LEGAL DISCLOSURE
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company for all benefits other than Travel Accident Insurance and Baggage Delay which are provided by Federal Insurance Company a member insurer of the Chubb Group of Insurance Companies
Effective date of benefits: Effective September 1, 2021, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to You: These benefits apply only to the cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented any material facts concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a loss or breakdown). Under this Arbitration provision, you give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take place in the county and state in which you live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (adr.org) will apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs. “Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.
MASTERCARD TRAVEL AND LIFESTYLE SERVICES
As a World Elite Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.I Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard® cardholder, you have access to a lifestyle manager that will help you plan your vacation - complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate GuaranteeII and Mastercard Hotel Stay GuaranteeIII which deliver value and peace of mind.
- Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.
- Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund, you must submit a claim as described in the Terms & Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.
- Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple—if you book your three star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Group plc, the designated travel agent for the Mastercard Travel & Lifestyle Services program at Toll free (US): 1-855-802-1387 during your stay and a Ten lifestyle manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations.
Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit travel.mastercard.com/product/terms for the latest benefit information and terms & conditions.
Important
Contact the number on the back of Your card directly for questions concerning Your account, such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide.
©2021 Mastercard WRLD_ELT_0921
Luxury Card marks are property of Black Card LLC. BLACKCARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license by Mastercard International Incorporated, owner of registered trademarks MASTERCARD, WORLD ELITE MASTERCARD and the circles design. All trademarks are the property of their respective owners.
©2008-2021 Black Card LLC.
MASTERCARD® BLACK CARD™ REWARD RULES
This document contains the official Reward Rules for the Mastercard Black Card Account (“Account”) issued by Barclays Bank Delaware (“Barclays,” “we,” “us,” or “our”) and includes important conditions and limitations (“Reward Rules”) for your Account rewards program (“Program”). Use of your Account constitutes your acceptance of each of the terms described below and the terms of the Cardmember Agreement (“Cardmember Agreement”). “You,” “your” or “primary cardmember” means the person who applied for the Account. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Cardmember Agreement.
The Privacy Policy for Barclays is available online at myluxurycard.com. You agree that Barclays and Luxury Card will share information to the extent needed to administer the Program.
Reward Rules Administration
The Program and Reward Rules are administered by Barclays located in Wilmington, DE. We reserve the right to modify, amend or terminate the Reward Rules and the Program at any time with or without notice. You can review current Reward Rules any time by logging in to your Account at myluxurycard.com.
Gift card/eGift cards/certificates, merchandise, travel and experience redemptions are administered by IDS Ohio, Inc. (“InComm InCentives”) an independent company not affiliated with Barclays or Luxury Card. InComm InCentives Terms and Conditions (“Rewards Terms & Conditions”) specific to the aforementioned redemptions are available at myluxurycard.com on the Shop page.
To maintain your eligibility for participation in the Program through use of the Account:
- You must maintain an open Account that is in good standing. “Good Standing” means your Account is not in default under your Cardmember Agreement with us (in “Good Standing”).
- You must be an individual (corporations, partnerships, and other entities may not participate) and use the Account only for personal, family or household expenses.
- As long as the Program continues and the Account is open and in Good Standing, there is no limit to the total points you can earn and your points will not expire.
- You may not earn or redeem points during any period in which your Account is past due.
- If you have a rewards balance on your account that meets the minimum redemption requirement(s), you will have 60 days from the Account closure date to redeem any outstanding points, as long as your Account, at the time of closure, was not closed for any reasons outlined in the Points Forfeiture Section.
- All points earned by the primary cardmember and any authorized user(s) will be added to the primary cardmember’s points balance.
- If you do not receive credit for earned points, please contact the Customer Service changes to Cardmember Care number on the back of your card.
- You have no property rights or other legal interest in points. Points amounts have no cash value or value of any kind until they are fully redeemed. Points may not be transferred or assigned.
- Participation in the Program through use of your Account is subject to all applicable laws and regulations. The sale or barter of any points offered through the Program earned through use of the Account, other than by us is expressly prohibited.
- You are solely responsible for any taxes that may be owed as a result of points earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclays does not provide tax advice.
- You can view a summary of your points earned through the use of your Account on your monthly Account billing statement or by logging into myluxurycard.com.
Earning Points
You earn points for purchases less credits, returns and adjustments (“Net Purchases”) made by you and/or any authorized user(s) of the Account as follows:
- You earn 1 point for every $1 spent on Net Purchases using your Account.
- Balance transfers, cash advances (including cash equivalent transactions such as, but not limited to, the use of your Account to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges and unauthorized/fraudulent purchases are not considered Net Purchases and do not earn points.
Bonus Offers
From time to time, we may offer bonuses of points or other incentives to new Mastercard Black Card members in connection with an application for a new account. These bonuses and/or incentives are intended for applicants who are not and have not previously been Mastercard Black Card members. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new Mastercard Black Card account after this Account is opened. If you receive a bonus or incentive for which you are not eligible due to your status as a current or former Mastercard Black Card member, we may revoke the bonus or incentive, or reduce your points by the amount of the bonus or incentive, or charge your Account for the fair value of the bonus or incentive, in our sole discretion.
Redeeming Points
- You have the option to redeem your points for travel redemptions (airfare, hotel and car rentals), cash back direct deposit to a U.S. checking or savings account, statement credits, gift cards/certificates, merchandise or unique experiences.
- Airfare redemptions start at 67 points for $1.
- Cash back direct deposit into a U.S. checking or savings account and cash back statement credit redemptions start at 50 points for $1.
- Hotel stays and car rental redemptions vary based on availability and the redemption option selected.
- Gift card, gift certificates, merchandise and experience redemption minimums vary based on what you are redeeming for.
- The primary cardmember can redeem points, either by phone or by logging in to their Account online. Any authorized user(s) on the Account is able to redeem points by phone.
- To redeem, visit myluxurycard.com or call the number on the back of your card.
- Barclays is not responsible for unauthorized redemptions on your Account.
- All redemptions are final. Points can’t be returned, refunded, exchanged or credited, unless otherwise specified.
Travel Redemptions
- You may redeem points for airfare, hotel and car rentals when you book through InComm InCentives on myluxurycard.com or by calling the customer service number on the back of your card. All air, hotels and car rentals travel must be booked through InComm InCentives. No other travel agency may be used for these offers. You may redeem points for a scheduled ticket on a participating major airline carrier, provided that the fares and schedules are found on, and the ability to generate a ticket (electronic or paper) is possible through the Global Distribution System (GDS). GDS provides the same flights and fares available to travel agencies, but lower fares may be available elsewhere, e.g. from charters, wholesalers, consolidators and any Internet fares that are not published and/or available through GDS.
- Your points are redeemed at a rate of 2% when redeeming for airfare through myluxurycard.com or by calling the Customer Service number on the back of your card. For example, 50,000 points equates to $1,000 in airfare redemptions.
- Redeeming points for hotel and car rentals is subject to availability and the number of points needed to redeem for them may change at anytime.
- All airline bookings are final and non-refundable unless a refundable ticket is redeemed. If you wish to cancel a booking, you will forfeit your points redeemed for that booking and may incur additional supplier fees.
- Air, hotel and/or car rental reward rates are only guaranteed at the time your booking is made. Redemption cost includes applicable taxes and fees at the time of booking.
- If you cancel a refundable booking, you must call the number on the back of your card to process the cancellation. Your points minus any airline fees, if applicable, will be added to your points balance within 30 days of cancellation. We cannot guarantee your points will be refunded to your points balance if you contact the airline directly to cancel a refundable fare ticket.
- Barclays, Luxury Card and InComm InCentives are not responsible for the performance of any airline, communication of airline schedule changes or any other changes made by the airline. Airline reservations should be reconfirmed by the primary cardmember or designated traveler at least 72 hours prior to departure. All reservations are subject to the conditions of carriage, supply or business of the service provider, which include exclusions and limitations of liability. The primary cardmember or designated traveler is responsible for obtaining a valid government-issued photo ID and the appropriate international travel documentation such as passports and visas.
- There are no restrictions or blackout dates for eligible or participating airfare redemptions.
- For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Travel page.
Cash Back (Statement Credit) Redemptions
- Redemptions for statement credits are a redemption rate of 1.5%. For example, you can redeem 5,000 points for $75 statement credit.
- The credit will be posted to your Account within 1-2 business days and will appear on your Account billing statement within 1 billing cycle.
- Statement credits reduce your Account balance but cannot be applied toward any minimum payment requirement and are otherwise subject to the terms and conditions applicable to your Account.
Cash Back Bank Deposit Redemptions
- Redemptions for a cash back bank deposit into a U.S. checking or savings account at a redemption rate of 1.5%. For example, you can redeem 5,000 points for a $75 cash back bank deposit.
- Bank deposit redemptions will be transferred to the requested U.S. checking or savings account within 3-4 business days.
- There is a $500 daily limit for bank deposit redemptions.
Gift Card/Certificate Redemptions
- The selection of gift cards/eGift cards/certificates are subject to availability and the number of points needed to redeem for them may change at any time.
- Terms of gift cards/eGift cards/certificates redemptions are subject to the rules of the merchant and may be viewed online at myluxurycard.com at the time of redemption. Each merchant/provider has the right to place restrictions on the use of its gift cards/eGift cards or gift certificates. Gift cards/eGift cards/certificates are not exchangeable, refundable, transferable or redeemable for cash, cannot be replaced if lost or stolen and are void where prohibited.
- Once you redeem for an eGift card, you must visit the Rewards Redemption History page at myluxurycard.com to retrieve your eGift card and to view the requirements for using your eGift card. The eGift card will be available for 12 months from the date of redemption, as long as your account is open and in Good Standing.
- Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Shop page.
Merchandise Redemptions
- The selection of merchandise items are subject to availability and the number of points needed to redeem them may change at any time.
- If applicable, any purchase, price and return protection and extended warranty coverage associated with your Account are not applicable to rewards. The manufacturer’s warranty, if any, applies to items offered. Please check product terms and conditions online at myluxurycard.com at the time of redemption for additional product information details.
- Velvet Glove delivery is available on select products. Additional details are available online at myluxurycard.com at the time of redemption.
Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Shop page.
- Merchandise is nonrefundable and nonreturnable.
- Mail Delivery: If the merchandise you received is damaged or defective, you must contact the customer service number on the back of your card immediately and the merchandise must be returned within 30 days of delivery. No exchanges or returns are accepted after 30 days. Products must be in their original packaging. All parts must be included in the package before credit will be issued or a replacement of the damaged or defective merchandise will be shipped.
- Velvet Glove Delivery: Should you find an issue with the merchandise, you should refuse the delivery, ask the carrier to re-package and remove the merchandise from your premises, and contact the customer service number on the back of your card. Once you accept delivery, no refunds, exchanges, or replacements will be allowed.
Experience Redemptions
- Select experiences may be redeemed using your points. Please see the Item Rewards Terms & Conditions for availability and additional terms at the time of redemption on the Shop page at myluxurycard.com.
- All experiences available for redemption may be based on event ticket and/or accommodation availability. It is important to note that availability can change from time to time. While every effort will be made to fill your experience package with your first redemption choice, there are rare instances where this is simply impossible. Should this occur, you will be promptly contacted and given the opportunity to redeem for a different event or have your points refunded.
- Please do not make air or other travel arrangements until you receive the experience confirmation letter that includes all the details. The confirmation letter is sent via email but a physical copy can be mailed upon request. Please see the Item Terms and Descriptions for availability and additional terms at the time.
Additional Benefits
Priority Pass™ Select Benefits
- Primary cardmembers and authorized user(s) are eligible for a complimentary membership to participating airport lounges, which allows for unlimited visits for yourself as well as guests.
- You will automatically receive your membership card within 7–14 business days after your Mastercard Black Card Account has been opened.
- You must present your personalized Priority Pass Select membership card for entry into the participating lounges. Your Mastercard Black Card may not be used to gain entry into the lounge.
- For added convenience, most lounges can now be accessed using a Digital Membership Card through the Priority Pass app. To activate your Digital Membership Card visit PriorityPass.com/LuxuryCardDMC and create an online account using your Priority Pass Select membership number and expiry date shown on the front of your membership card.
- Your Priority Pass Select membership card will automatically be renewed annually if your Account is open and in Good Standing. Renewal terms and conditions are at the discretion of the Program and Barclays.
- Visit prioritypass.com/select for a complete list of participating lounges. Entry into lounges is subject to the rules and policies of each participating lounge.
Global Entry or TSA PreCheck Application Fee Credit
Primary cardmembers are eligible to receive a statement credit for the $100 Global Entry application fee or the $85 TSA PreCheck application fee once every 5 years.
Global Entry Membership is a 5-year membership that allows international travelers expedited entry upon arrival in the United States. Once approved, Global Entry members can use automated kiosks at most major U.S. airports. TSA PreCheck membership provides expedited security screening benefits for flights departing from U.S. Airports. It’s a U.S. government program that allows travelers deemed low-risk by the Transportation Security Administration (TSA) to pass through an expedited security screening.
- Primary cardmembers will receive a statement credit for the application fee, once the fee is charged to the Account, once every 5 years. For the benefit to apply, the Account must be open 7 days prior to application fee being charged.
- Please allow 2–3 weeks for the credit to appear on your Account statement.
- The eligibility to receive the application fee credit will reset every 5 years.
- Neither Barclays nor Luxury Card has control over the application and/or approval process for Global Entry or TSA PreCheck and neither has access to any information provided to the government by the cardmember or by the government to the cardmember. Barclays and Luxury Card have no liability regarding the Global Entry program or TSA PreCheck program. CBP and TSA PreCheck program charges an application fee to process the application regardless of whether the cardmember’s application is approved.
- For additional information on the Global Entry program and TSA PreCheck program, including information regarding the application and/or approval process (including restrictions and eligibility requirements) and for a list of participating airlines and airports, as well as the full terms and conditions of the program, please go to globalentry.gov or tsa.gov The Global Entry program and TSA PreCheck program are subject to change without prior notice, and we have no control over those changes.
$100 Annual Airline Credit
Primary cardmember’s qualifying airline purchases are eligible to receive a statement credit for a total amount of up to $100 each calendar year.
- To be eligible to receive the credit, the Account must be open and in good standing and the primary cardmember or authorized user(s) must use their Account for a qualifying airline purchase.
- Qualifying airline purchases are defined as purchases made by the primary cardmember or authorized user(s) with an airline for items including airfare, baggage fees, lounge access, and some in-flight purchases, as determined by the merchant category code. Barclays does not determine and is not responsible for whether merchants correctly identify themselves and bill purchases as being made at locations in a particular category.
- Please allow up to 2 weeks after the qualifying airline purchase is charged to your Account for statement credit(s) to be posted to the Account. Cardmembers are responsible for payment of all purchases on the Account regardless of eligibility for statement credit.
- This is an annual benefit and the maximum credit available per Account is $100 each calendar year (January 1 through December 31). The posted date that the purchase was made will be used to determine the applicable calendar year.
- This benefit is subject to change at any time at the sole discretion of Barclays.
Points Forfeiture
If your Account is closed for any of the following reasons, your points earned will be forfeited if/based upon:
- You or any authorized user(s) on the Account engages in any fraudulent or illegal activity through the use of your Account.
- You, or any authorized user(s) on the Account engage in any activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings, as determined by us in our sole discretion.
- You or any authorized user(s) on the Account have negative public record information identified.
- Your history of Account usage.
- Your Account is delinquent, as determined by Barclays in its sole discretion.
- You or any authorized user(s) on the Account violate any of the Account Rewards Rules.
- Your Account is otherwise in default under your Cardmember Agreement with us.
Limitation and Release of Liability
By participating in the Program and accepting and using points earned through the Program, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge and hold harmless Barclays, Luxury Card and their respective parent companies, subsidiaries, affiliates, agents, administrators, employees, officers, directors, successors and assignees from all claims, damages or liability including, but not limited to, physical injury or death, arising out of participation in the Program or travel taken or use of products purchased in connection with the Program. Barclays, Luxury Card, and InComm InCentives are not responsible for unauthorized redemptions on your Account. Barclays has no liability in case of disagreement over issuance of points, items received through redemptions, or a cardmember’s right to redeem or possess points.
Important General Program Disclosures
Barclays reserves the right to correct inaccurate points values represented on statements, our website and/or our mobile app, at our sole discretion. We may, at our sole discretion, cancel, modify, restrict or terminate the Program or any aspects or features of the Program at any time without prior notice. All interpretations of the Reward Rules shall be at our sole discretion. Other significant terms may apply. All trademarks and service marks belong to their respective owners. We are not responsible for typographical errors or omissions in this document, website, mobile app, or any marketing materials. Points cannot be combined with other discount or reward programs unless specifically authorized by us.
Cardmember Care
If you have any questions about the Program, please contact the Cardmember Care phone number on the back of your card.
2021 Barclays Bank Delaware, Member FDIC
LXB_GEN_032021
BAR-8048-8
MASTERCARD® BLACK CARD™ GUIDE TO BENEFITS
LUXURY CONCIERGE SERVICES
Call 844-724-2500 any time of day or night to speak to a Luxury Card Concierge.®
Provides 24/7 personal concierge assistance to enhance travel, dining and entertainment experiences, provide household needs and access to unique benefits.
Mastercard Black Card offers you the Luxury Card Concierge Service. Imagine your own Personal Assistant 24 hours a day, 7 days a week, 365 days of the year. Where knowledgeable experts can assist with whatever you need, whenever you need it. This takes “Concierge Service” to the next level with robust, personalized features that will save you time and simplify your day.
Benefits include:
- Personal Profile to track preferences for travel, hotels, dining, entertainment, special occasions — and even food allergies.
- Local experts who can provide on-site assistance with everyday household needs — like being there when the new appliance is delivered, because you can’t be.
- Access to unique dining and entertainment venues to turn a special occasion into a memorable experience.
- Reminder service for those dates or events that you can’t afford to miss.
- Pre-trip planning services, providing you with critical information in advance of your trip including: 10-day weather forecast, travel requirements, city-specific news and conditions, safety and security advisory, suggested packing list, pre-arranged confirmations for dining and other services, top must-see attractions, fitness facilities, jogging paths and recreation within close proximity of your hotel, etc.
Let Luxury Card Concierge assist you today, so you can have your day back! Our experts look forward to assisting you at 844-724-2500 or concierge@luxurycard.com.
Important information. Please read and save.
This Guide supersedes any guide or program description you may have received earlier. This Guide to Benefits contains detailed information about benefits available to you as a Luxury Card member.
Please read carefully, each benefit description provides you with the details on what coverage you have and any exclusions and restrictions.
This Guide includes important details about just some of the many benefits that come with your Luxury Card at no additional cost. Read ahead to learn how Luxury Card can provide you peace of mind when traveling. Keep this Guide in a safe place so you know how to make the most of your benefits when you need them.
The benefits, as described in this Guide, apply to purchases made with your Luxury Card on or after the effective date, and replaces any Summary or other program description you may have received earlier.
From time to time benefits may be modified, updated or removed. All benefits may not be listed in this Guide to Benefits. Please go to the Rewards and Benefits section of the customer website at myluxurycard.com for more information about all the benefits available to you and to view your current Guide to Benefits.
To file a claim, call 1-800-Mastercard: 1-800-627-8372. Español: 1-800-633-4466. “Card” refers to Luxury Card and “Cardmember” refers to a Luxury Card Cardmember.
CELLULAR WIRELESS TELEPHONE PROTECTION
Key Terms
Throughout this benefit, you and your refer to the Cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG company, New York, NY.
Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-Mastercard.
Authorized User means a person who is recorded as an Authorized User of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing.
Covered Card means the Mastercard® card linked to Your Eligible Account.
Eligible Account means the account associated with the Cardholder’s U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.
Eligible Cellular Wireless Telephones means the cellular telephones associated with the primary line and additional or supplemental lines on the Eligible Person’s monthly billing statement from a cellular provider for the billing cycle preceding the month in which the theft or damage occurred.
Eligible Person means a Cardholder who charges his or her monthly bill for an Eligible Cellular Wireless Telephone to his or her Covered Card. No person or entity other than the Eligible Person(s) described shall have any legal or equitable right, remedy or claim for the insurance proceeds arising out of this coverage.
Evidence of Coverage (EOC) means the summary of benefits set forth below which describe the terms, conditions, limitations and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern your coverage.
Group Policy means the Cellular Protection Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
Mysteriously Disappear means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
Stolen means taken by force and/or under duress or a loss which involves the disappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.
A. To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Covered Card. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill to your Covered Card. If you pay an Eligible Cellular Wireless Telephone bill with your Covered Card and fail to pay a subsequent bill to your Covered Card in a particular month, your coverage period changes as follows:
- Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to your Covered Card; and
- Your coverage resumes on the first day of the calendar month following the date of any future payment of your Eligible Cellular Wireless Telephone bill with your Covered Card.
B. The kind of coverage you receive:
- Reimbursement for the actual cost to replace or repair a Stolen or damaged Eligible Cellular Wireless Telephone.
- Coverage ends on the earliest of: The date you no longer are a Cardholder; the date the Covered Card is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the Group Policy; the date the participating organization ceases to participate in the Group Policy; the date the Group Policy is terminated.
C. Coverage limitations:
Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800 per claim for World Elite Mastercard, and $1,000 per Covered Card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Covered Card per 12-month period.
Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited only to those amounts not covered by any other insurance or indemnity. In no event will this coverage apply as contributing insurance. This “noncontribution” clause will take precedence over a similar clause found in other insurance or indemnity language.
D. What is NOT covered:
The following items are excluded from coverage under the Group Policy:
- Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer;
- Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use;
- Eligible Cellular Wireless Telephones that are lost or Mysteriously Disappear;
- Eligible Cellular Wireless Telephones under the care and control of a Common Carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service;
- Eligible Cellular Wireless Telephones Stolen from baggage unless hand-carried and under the Eligible Person’s supervision or under the supervision of the Eligible Person’s traveling companion who is previously known to the Eligible Person;
- Eligible Cellular Wireless Telephones Stolen from a construction site;
- Eligible Cellular Wireless Telephones which have been rented or leased from a person or company other than a cellular provider;
- Eligible Cellular Wireless Telephones which have been borrowed;
- Eligible Cellular Wireless Telephones that are received as part of a pre-paid plan;
- Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls or to use other features related to making or receiving phone calls);
- 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 or vermin;
- Damage or theft resulting from miss-delivery or voluntary parting from the Eligible Cellular Wireless Telephone;
- Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider;
- Taxes, delivery or transportation charges or any fees associated with the service provided; and
- Losses covered under a warranty issued by a manufacturer, distributor or seller.
In addition, we shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit under the Group Policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us, our parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.
E. How to file a claim
- Call 1-800-Mastercard or go to mycardbenefits.com to open a claim. You must report the claim within 90 days of the loss, or as soon as reasonably possible, or the claim may not be honored. Upon receipt of a notice of claim, we will provide you with the necessary instructions for filing proof of loss. Written proof of loss must be submitted to our Administrator within 120 days of the loss or the claim may not be honored. Required documentation may include but is not limited to the following:
- Your card statement reflecting the monthly Eligible Cellular Wireless Telephone payments for the month preceding the date the Eligible Cellular Wireless Telephone was Stolen or suffered damage;
- A copy of your current wireless service provider’s billing statement;
- If a claim is due to damage, a copy of the repair estimate and photos of the damage;
- If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and
- Any other documentation or information reasonably requested by us to support the claim.
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the Cardholder, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group Policy.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the insurance coverage for all Cardholders. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to Eligible Accounts issued in the United States. The United States is defined as the fifty U.S. states and the District of Columbia. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned.
Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the Group Policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the Group Policy.
Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
Salvage: If an item is not repairable, we may request that you send the item to us for salvage at your expense. Failure to remit the requested item for salvage to us may result in denial of the claim.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy, the Group Policy shall control.
Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are in the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy, the Guide to Benefits shall control.
MASTERCARD ID THEFT PROTECTION™
Program Description:
Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft.
Eligibility:
All Mastercard consumer credit cardholders in the US are eligible for this coverage. Enrollment is required.
Service Provider:
ID Theft Protection is provided by Generali Global Assistance, Inc. More information about this service provider is available at: mastercardus.idprotectiononline.com/.
Access: To receive ID Theft Protection, you must enroll at: mastercardus.idprotectiononline.com/. ID Theft Protection is provided on a 24-hour basis, 365 days a year. Contact 1-800-Mastercard if you believe you have been a victim of identity theft.
Charges: There is no charge for ID Theft Protection, it is provided by your financial institution.
Program Provisions for Mastercard ID Theft Protection:
To receive ID Theft Protection, you must enroll as described above and such benefits related to ID Theft Protection accrue as of the date of enrollment. Mastercard ID Theft Protection is governed by the terms provided in this Guide to Benefits and the Terms and Conditions and Terms of Service available at: mastercardus.idprotectiononline.com/. The terms and conditions contained in this Guide to Benefits may be modified by subsequent mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the provider non-renews or cancels any services provided to eligible Mastercard cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar service takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard or please see mastercardus.idprotectiononline.com/.
ID Theft Protection Services Provided:
1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
Personally Identifiable Information (PII)
Compromised Credentials monitors for a combination of email address /username /password /security questions located within:
- Hacker account dump sites
- Hacktivist forums
- Data leaks
- Malware logs
Alerts are sent with event details, also listed within resolution console and most often includes source of breach (from where the data was harvested).
High-Risk Transactions monitors a Consumer’s high-risk transactions with more than 300 of the nation’s largest companies to uncover and thwart account takeover attempts. Knowledge-Based Authentication (questions only an individual should know about themselves such as what street they lived on in 2009) used by organizations across industries limits the risk of identity theft or account takeover. Alerts are sent when a series of knowledge-based authentication questions are generated to validate the Consumer’s identity (i.e. when accessing a credit report). Monitored transactions include:
- Credit cards
- Bank accounts
- Brokerage accounts
- Healthcare portals
- Workplace intranets
- Other services (e.g. peer-to-peer fund transfers)
Dark Web Monitoring provides monitoring of underground web pages people can visit without third parties being able to trace the location of the web visitors or the web page publisher. Dark web sites make up about .01% of the Internet and are intentionally hidden or protected by encryption technologies and not accessible via standard web browsers.
Credit Information
Single Bureau Credit Monitoring monitors a Consumer’s TransUnion credit file for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. In order to use this service, Consumers must provide some personal information, such as name, address, date of birth, and SSN, and undergo either digital verification via text or knowledge-based authentication. ID Theft Protection sends alert notification emails, such as change of address alerts, anytime potentially unauthorized inquiries or suspicious activities on Consumer’s credit file are detected so they can take immediate action to minimize damage.
Additional Information
Small Business ID Theft Protection upgrades ID Theft Protection identity monitoring services by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for the Consumer’s business URL and domain (limited to 10 domains) within corporate data breaches, malicious thirdparty botnets and criminal forums.
2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
- Email Addresses
- Debit/Credit Cards
- Loyalty/Affinity Cards
- Bank Accounts Numbers
- Passport Numbers
- Medical and Vehicle Insurance Cards
- Drivers Licenses
- National Identity Numbers/Social Security Numbers
- New Lines of Credit
- Address Changes
3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE RESOLUTION OR SPECIALIST SUPPORT
Self-Service ID Theft Resolution Kit is a self-service resolution document which informs Consumers of the different forms of ID theft, and how to resolve each situation. Resolution tools in the kit include preventive measures, step-by-step guides and sample letters to be sent to collection agencies.
Access to Resolutions Specialists which assigns a personal case manager to help take care of everything.
Self-Service ID Theft Wizard provides step-by-step advice for many identity theft scenarios that Consumers may face. All ID Theft Protection users have access to the Identity Theft Protection Kit found in the Profile section of their portal, which explains the many forms of identity theft and provides protective measures anyone can take to limit their risk. The kit also contains a Federal Trade Commission sample affidavit form, as well as sample letter templates for filing disputes in cases of identity theft or fraud.
Online Fraud Alerts allow Consumers to place a statement on their credit report that instructs lenders to contact the Consumer before issuing new credit. This makes it more difficult for an identity thief to open new accounts in their name. When Consumers place a fraud alert with one bureau, the other two bureaus are informed, and the alert is then placed on all three bureau files. Fraud alert placement is free, and alerts stay on the Consumer credit files for one year.
MASTERCARD GLOBAL SERVICE
Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement , and Emergency Cash Advance . Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.
Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account.
In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:
Australia – 1-800-120-113 | Mexico – 001-800-307-7309 |
Austria – 0800-070-6138 | Netherlands – 0800-022-5821 |
France – 0-800-90-1387 | Poland – 0-0800-111-1211 |
Germany – 0800-071-3542 | Portugal – 800-8-11-272 |
Hungary – 06800-12517 | Spain – 900-822-756 |
Ireland – 1-800-55-7378 | United Kingdom – 0800-96-4767 |
Italy – 800-870-866 | Virgin Islands – 1-800-307-7309 |
For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at mastercard.com or call the United States collect at 1-636-722-7111.
Account Information and Card Benefits:
When in the United States, contact Your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access Your card issuer for account information or to access any of Your card benefits.
ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro,® and Cirrus® brands. Also, visit our website at mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide. To enable cash access, be sure You know Your Personal Identification Number (PIN) before you travel.
TRAVEL ASSISTANCE SERVICES
Rely on Travel Assistance Services when you’re away from home. Travel Assistance Services is your guide to many important services you may need when traveling. Benefits are designed to assist you or your travel companions when you’re traveling 50 miles or more from home.
- This is reassuring, especially when visiting a place for the first time or not speaking the language. For services, call 1-800-Mastercard. Enrollment is automatic and the assistance service is free to cardholders . Please keep in mind that you will be responsible for the fees incurred for professional or emergency services requested of Travel Assistance Services (e.g., medical or legal bills).
- Travel Assistance Services are available worldwide, with the exception of those countries and territories which may be involved in an international or internal conflict, or in those countries and territories where the existing infrastructure is deemed inadequate to guarantee service. You may contact us prior to embarking on a covered trip to confirm whether or not services are available at your destination(s).
MasterTrip® Travel Assistance
Before you begin your trip, MasterTrip provides information on travel requirements including documentation (visas, passports), immunizations or currency exchange rates. The exchange rate provided may differ from the exact rate that issuers use for transactions on your card. Information on exchange rates for items billed on your statement should be obtained from the financial institution that issued your card. MasterTrip will also help you locate any lost or stolen travel materials, including luggage. This is not an insurance policy for lost/stolen luggage and we do not reimburse you for a permanent loss.
If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a family member, friend, or business account. This service does not provide maps or information regarding road conditions.
Travel Services Medical Assistance
Provides a global referral network of general physicians, dentists, hospitals and pharmacies. We can also help you refill prescriptions with local pharmacists (subject to local laws). In the event of emergencies, a stateside physician or nurse can be contacted for consultation with the local medical staff and to monitor your condition. If you are hospitalized, we can arrange to have messages relayed home, transfer you to another facility if medically necessary, or have a family member or close friend brought to your bedside if you have been traveling alone (at cardholder’s expense). If a tragedy occurs, we’ll assist in securing travel arrangements for you and your travel companion(s).
MasterLegal® Referral Service
Provides you with English-speaking legal referrals or consults with appropriate embassies and consulates regarding your situation.
Will assist in transfers up to $5,000 in cash from a family member, friend or business to cover legal fees or to post bail. There is no charge for referral services; however, legal and bail fees are your responsibility.
Master RoadAssist® Roadside Service
(Available only when traveling in the 50 United States and the District of Columbia)
If your car breaks down on the road, just call 1-800-Mastercard and tell us where you are. We’ll send someone to the rescue. This is not only reassuring, but it may also save you money because fees for many services (jumpstarts, towing, gas delivery, and tire changes) are pre-negotiated. Road service fees will be automatically billed to your Mastercard account.
You are responsible for emergency road service charges incurred by towing facilities responding to your dispatch, even if you are not with your vehicle (or it’s gone) when the tow truck arrives. Mastercard International is not responsible or liable for the service the towing facility provides. Towing facilities are independent contractors, solely liable for their services.
Emergency road service is not available in areas not regularly traveled, in “off road” areas not accessible by ordinary towing vehicles, or for over one-ton capacity trailers, campers or If you have a rental car, be sure to call the rental car agency before you call 1-800-Mastercard, as many rental agencies have special procedures regarding emergency road service assistance.
TRAVEL ACCIDENT AND BAGGAGE DELAY
THE PLAN
As a MasterCard Cardholder, you, your spouse or domestic partner and unmarried dependent children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers or coupons, has been charged to your MasterCard Card account. If the entire cost of the passenger fare has been charged to your MasterCard account prior to departure for the airport, terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport limousine); immediately, a) preceding your departure, directly to the airport, terminal or station b) while at the airport, terminal or station, and c) immediately following your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your MasterCard account. This coverage does not include Commutation. Commutation is defined as travel between the Insured Person’s residence and regular place of employment. Common Carrier means any land, water or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire.
IMPORTANT DEFINITIONS
Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. Dependent Child(ren) means those children, including adopted children and children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: 1) under the age of twenty-five (25) and reside with the Insured Person: or 2) beyond the age of twentyfive (25), permanently mentally or physically challenged, and incapable of self-support; or 3) under the age of twenty-five (25) and classified as a full-time student at an institution of higher learning. Domestic Partner means a person designated in writing by the primary insured person, who is at least eighteen (18) years of age, and who during the past twelve (12) months: 1) has been in a committed relationship with the primary insured person; and 2) has been the primary insured person’s sole spousal equivalent; and 3) has resided in the same household as the primary insured person; and 4) been jointly responsible with the primary insured person for each other’s financial obligation, and who intends to continue the relationship above indefinitely.
THE BENEFITS
The full Benefit Amount of $250,000 is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing or any combination thereof. One half of the Benefit Amount is payable for accidental loss of: one member, sight of one eye, speech or hearing. “Member” means hand or foot. One quarter of the Benefit Amount is payable for the 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 4 fingers 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 they are later reattached. “Benefit Amount” means the Loss amount applicable at the time the entire cost of the passenger fare is charged to the eligible MasterCard account. The loss must occur within one year of the accident. The Company will pay the single largest applicable Benefit Amount. In no event will duplicate request forms or multiple charge cards obligate the Company in excess of the stated Benefit Amounts for any one loss sustained by any one individual insured as the result of any one accident. 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 three (3) times the Benefit Amount for loss of life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance.
BAGGAGE DELAY
We will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day for three (3) days in the event of a Baggage Delay. Our payment is limited to expenses incurred for the emergency purchase of essential items needed by the Insured Person while on a covered trip and at a destination other than the Insured Person’s primary residence. Essential items not covered by Baggage Delay include, but are not limited to: 1) contact lenses, eyeglasses or hearing aids; 2) artificial teeth, dental bridges or prosthetic devices; 3) tickets, documents, money, securities, checks, travelers checks and valuable papers; or 4) business samples; The Baggage Delay Benefit Amount is excess over any other insurance (including homeowners) or indemnity (including any reimbursements by the airline, cruise line, railroad, station authority, occupancy provider) available to the Insured Person. Baggage Delay means a delay or misdirection of the Insured Person’s Baggage by a Common Carrier for more than four (4) hours from the time the Insured Person arrives at the destination on the Insured Person’s ticket.
ELIGIBILITY
This travel insurance plan is provided to MasterCard cardholders automatically when the entire cost of the passenger fare(s) are charged to a MasterCard account while the insurance is effective. It is not necessary for you to notify your financial institution, the administrator or the Company when tickets are purchased.
THE COST
This travel insurance plan is provided at no additional cost to eligible MasterCard cardholders. Your financial institution pays the premium for this insurance.
BENEFICIARY
The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured
EXCLUSIONS
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions; 2) suicide, attempted suicide or intentionally self-inflicted injuries; 3) declared or undeclared war, but war does not include acts of terrorism; This insurance also does not apply to an accident occurring while an Insured is acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.
CLAIM NOTICE
Written claim notice must be given to the Company within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete proof of loss. CLAIM PAYMENT: For all benefits, the Company will pay you or your beneficiary the applicable benefit amount within 60 days after complete proof of loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.
HOW TO FILE A CLAIM
To file a claim please call 1-800-MasterCard Claims are processed by the Claim Administrator, Crawford and Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to: Crawford and Company, P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once a claim number is assigned, supporting documentation for the claim can also be submitted through Myclaimsagent.com.
EFFECTIVE DATE
This insurance is effective on the date that you become an eligible cardholder; and will cease on the date the Master Policy 6477-44-67 is terminated or on the date your account ceases to be eligible, whichever occurs first.
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: Financial Customer Insurance Trust. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.
ENHANCED TRIP CANCELLATION AND TRIP INTERRUPTION INSURANCE
Key Terms
Throughout this document, you and your refer to a Cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG Company, New York, NY.
Accident(al) means a sudden, unforeseen, and unexpected event which: (1) Happens by chance; (2) arises from a source external to the Eligible Traveler; (3) is independent of illness, disease or their bodily malfunction or medical or surgical treatment thereof; (4) occurs while you are insured under the Group Policy; and (5) is the direct cause of loss.
Accidental Bodily Injury means an Accidental injury to the body of an external origin, unintentional and unforeseen by the Eligible Traveler. An Accidental Bodily Injury must be verified by a Physician.
Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-mastercard.
Authorized User means a person who is recorded as an authorized user of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing who is a U.S. citizen or a legal resident of the U.S. or a U.S. territory, including the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands, and the Northern Mariana Islands.
Common Carrier means any land, water, or air conveyance operating under a valid 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, commuter rail or commuter bus lines, personal automobiles, or rental vehicles.
Covered Card means the Mastercard® card linked to your Eligible Account.
Covered Trip means a period of round-trip travel to one or more destinations other than an Eligible Traveler’s place of residence at the time of departure where: (1) The Eligible Traveler departs by Common Carrier to begin the period of round-trip travel; (2) the period of round-trip travel ends when the Eligible Traveler returns by Common Carrier to the place of departure; (3) the period of round-trip travel does not exceed three hundred sixty-five (365) days away from the Eligible Traveler’s place of residence at the time of departure; and (4) the Eligible Traveler charges the full amount of the cost of transportation by Common Carrier(s) to your Covered Card. The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).
Domestic Partner means a person who can provide documentation of registration of a Domestic Partner relationship with another person pursuant to a state, county, or municipal provision or who meets all of the following qualifications: (1) Has resided with his or her partner continuously for at least 12 months in a solepartner relationship that is intended to be permanent; (2) is not married to any other person; (3) is at least 18 years old; (4) is not related to his or her partner by blood closer than would bar marriage per state law; and (5) is financially interdependent with his or her partner as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance.
Eligible Account means the account associated with a U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.
Eligible Traveler means you and your Family Members and Traveling Companions who purchase a Covered Trip to your Covered Card.
Evidence of Coverage (EOC) means the summary of benefits set forth below which describes the terms, conditions, limitations and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern your coverage.
Family Member means a spouse, Domestic Partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full-time student at an accredited college or university).
Group Policy means the Trip Cancellation/Interruption Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
Physician means a licensed medical, surgical, or dental practitioner acting within the scope of his or her license. The treating Physician may not be an Eligible Traveler, an Eligible Traveler’s Family Member, a Traveling Companion or related to an Eligible Traveler by blood.
Pre-Existing Condition means any condition resulting from any injury or Sickness affecting an Eligible Traveler, a Traveling Companion, or a Family Member traveling with an Eligible Traveler within the sixty (60) day period prior to the purchase date of a Covered Trip. The condition must have (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care, or treatment; (b) required taking prescribed drugs or medicine; or (c) required medical treatment or treatment was recommended by a Physician. Taking maintenance medications for a condition that is considered stable is not included as a Pre-Existing Condition.
Sickness means ill health, disorder, or unsound condition that is diagnosed or treated by a Physician.
Terrorist Action means an act of violence by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government, that is deemed terrorism by the United States Government, other than civil disorder or riot, and is not an act of war, declared or undeclared, and results in loss of life or major damage to property.
Traveling Companion means an individual who has made advanced arrangements with you or your Family Members to travel together for all or part of a Covered Trip.
Travel Supplier means a tour operator, innkeeper, resort, or a cruise line, airline, railroad or other Common Carrier.
Trip Cancellation means the cancellation of travel arrangements when the Eligible Traveler is prevented from traveling on a Common Carrier for a Covered Trip on or before the departure of the Covered Trip.
Trip Interruption means the interruption of the Covered Trip either on the way to the point of departure or after departure of the Covered Trip.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.
A. To get coverage:
You must charge the full amount of a Covered Trip to your Covered Card or in combination with your Covered Card and accumulated points on your Eligible Account or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.
B. Covered Losses:
Covered Losses include Trip Cancellations or Trip Interruptions that result from the following:
- Accidental Bodily Injury or loss of life or Sickness of either the Eligible Traveler, Traveling Companion or an immediate Family Member of the Eligible Traveler or Traveling Companion;
- Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather or natural disaster that causes all travel to or from the scheduled destination to stop for at least 24 hours);
- The Eligible Traveler or his or her spouse’s change in military orders;
- Terrorist Action or hijacking;
- Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived; or
- The Eligible Traveler or Traveling Companion’s dwelling made uninhabitable; or
- Quarantine imposed by a Physician for health reasons.
C. The kind of coverage you receive:
Trip Cancellation
We will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card if a Covered Loss causes an Eligible Traveler’s Trip Cancellation, subject to the cancellation provisions in effect at the time the Travel Supplier is notified of cancellation.
If a Physician advises the Eligible Traveler that a Covered Trip is medically inadvisable, the Eligible Traveler must immediately notify the appropriate Travel Supplier of his or her Trip Cancellation after receiving such medical advice. If the Eligible Traveler does not provide such notification, our payment will not exceed the cancellation penalties imposed by the Travel Supplier and in effect during the forty-eight (48) hour period immediately following the Physician’s notice that travel was not advisable, subject to any other limits set forth herein.
Trip Interruption
If a Covered Loss causes an Eligible Traveler’s Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card for the following:
- The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed; and
- Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her Common Carrier Covered Trip or to return to his or her place of origin.
If a Covered Loss causes an Eligible Traveler to temporarily postpone transportation by Common Carrier for a Covered Trip and a new departure date is set, we will reimburse you for the following:
- The additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled Covered Trip by the most direct route); and
- The unused, non-refundable land, air, and sea arrangements paid to a Travel Supplier with your Covered Card.
Term of Coverage:
Coverage begins on the date the Covered Trip was purchased and ends immediately at the time the Covered Trip is completed.
An Eligible Traveler’s coverage terminates on any of the following dates: The date the Eligible Traveler is no longer eligible to participate; the date the Eligible Account is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the Group Policy; the date the participating organization ceases to participate in the Group Policy; or the date the Group Policy is terminated.
Coverage Limitations:
The maximum benefit amount for Trip Cancellation is $5,000 per Covered Trip and $10,000 per Eligible Account per 12 consecutive month period.
The maximum benefit amount for Trip Interruption is $5,000 per Covered Trip and $10,000 per Eligible Account per 12 consecutive month period.
Coverage is secondary to and in excess of any other applicable insurance or benefit available to the Eligible Traveler including benefits provided by the Travel Supplier, such as exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers. In no event will this coverage apply as contributing insurance. This “noncontribution” clause will take precedence over the “non-contribution” clauses found in other insurance or indemnity language. Coverage is not available in states where prohibited.
D. What is NOT covered:
Coverage does not apply to any Accident, Accidental Bodily Injury, or loss caused by or resulting from the following, directly or indirectly.
- Pre-Existing Conditions.
- The Eligible Traveler’s intentionally self-inflicted injuries, including suicide or attempted suicide.
- A declared or undeclared war.
- Mental or emotional disorders, unless hospitalized.
- The Eligible Traveler’s participation in a sporting activity for which he or she receives a salary or prize money.
- The Eligible Traveler being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
- The Eligible Traveler being under the influence of any narcotic or other controlled substance at the time of an Accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician.
- The Eligible Traveler’s commission or attempted commission of any illegal or criminal act, including but not limited to any felony.
- The Eligible Traveler parachuting from an aircraft.
- The Eligible Traveler engaging or participating in a motorized vehicular race or speed contest.
- Dental treatment except as a result of Accidental Bodily Injury to sound, natural teeth.
- Any non-emergency treatment or surgery, routine physical examinations.
- Hearing aids, eye glasses or contact lenses.
- One-way travel that does not have a return destination.
E. How to file a claim:
Notification of Claims: Visit MyCardBenefits.com or call 1-800-mastercard to open a claim. You must notify the Administrator of your claim within sixty (60) days of the Covered Loss or the claim may not be honored. You must also notify the Travel Supplier and complete its claim procedures.
Claim Forms: Upon receipt of notice of your claim, we will furnish you with such instructions as are usually furnished by us for filing proof of loss.
Proof of Loss: You must furnish written proof of loss to us within 180 days after the date of your loss. Failure to file such proof within the time required will not invalidate or reduce your claim if it was not reasonably possible to give proof within such time, provided you furnish such proof as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one (1) year from the time proof is otherwise required. Required documentation may include the following:
- Copies of your Common Carrier tickets and Travel Supplier receipts.
- Your Covered Card billing statement showing the charges for the Covered Trip.
- Proof of Covered Loss, as applicable, including court subpoenas, orders to report for active duty, Physician orders, etc.
- A copy of the Travel Supplier’s cancellation policy.
- Any other information that may be reasonably requested by us to validate your claim.
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the Cardholder, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group Policy.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and we reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the insurance coverage for all Eligible Accounts. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to U.S. issued Eligible Accounts. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
Legal Actions: No action at law or in equity may be brought to recover under the Group Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of the Group Policy. No such action may be brought after the expiration of two (2) years from the time written proof of loss is required to be furnished.
Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned.
Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the Group Policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
Due Diligence: The Eligible Traveler must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the Group Policy.
Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
Other Limitation: Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability .
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy, the Group Policy shall control. Provision of services is subject to availability and applicable legal restrictions.
Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy, the Guide to Benefits shall control.
MASTERRENTAL COVERAGE
KEY TERMS
Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-800-Mastercard.
Authorized Driver(s) means a driver with a valid driver’s license issued from their state of residence and indicated on the rental agreement.
Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for the covered card.
Covered Card means the Mastercard card.
Damage means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.
Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.
Rental Agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement.
Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the probability of theft.
United States Dollars (USD) means the currency of the United States of America.
Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.
Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a vehicle for 31 consecutive days or less with your covered card, you are eligible for benefits under this coverage.
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not considered rental charges) with your covered card and/or the accumulated points from your covered card at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card.
You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company.
You must rent the vehicle in your own name and sign the rental agreement.
Your rental agreement must be for a rental period of no more than 31 consecutive days. Rental periods that exceed or are intended to exceed 31 consecutive days are not covered.
B. The kind of coverage you receive:
We will pay for the following on a secondary basis:
- Physical damage and theft of the vehicle, not to exceed the limits outlined below.
- Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss of use charges must be substantiated by a location and class-specific fleet utilization log.
- Towing charges to the nearest collision repair facility.
C. Coordination of benefits:
When MasterRental is provided on a secondary basis and a covered loss has occurred, the order in which benefits are determined is as follows:
- You or an authorized driver’s primary auto insurance;
- Collision/damage waiver provided to you by the rental agency;
- Any other collectible insurance;
- The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the other insurance.
Note: In certain parts of the United States and Canada, losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, coverage is considered primary coverage.
D. Who is covered:
The covered card cardholder and those designated in the rental agreement as authorized drivers.
E. Excluded rental vehicles:
- All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles.
- All sport utility trucks. These are vehicles that have been, or can be converted to an open, flatbed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
- Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
- Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
F. Where you are covered:
Coverage is available worldwide.
Coverage is not available in countries where:
- This EOC is prohibited by that country’s law; or
- The terms of the EOC are in conflict with the laws of that country.
G. Coverage limitations:
We will pay the lesser of the following:
- The actual repair amount;
- Wholesale market value less salvage and depreciation;
- The rental agency’s purchase invoice less salvage and depreciation.
In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service.
We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.
H. What is NOT covered:
- Any personal item stolen from the interior or exterior of rental vehicles.
- Vehicle keys or portable Global Positioning Systems (GPS).
- Vehicles not rented by the cardholder or authorized user on the covered card.
- Any person not designated in the rental agreement as an authorized driver.
- Any obligations you assume other than what is specifically covered under the rental agreement or your primary vehicle insurance or other indemnity policy.
- Any violation of the written terms and conditions of the rental agreement.
- Any loss that occurs while driving under the influence of drugs or alcohol.
- Any loss associated with racing or reckless driving.
- Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
- Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
- Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
- Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
- Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/purchased by you.
- Any damage that is of an intentional or non-accidental nature, caused by you or an authorized driver of the rental vehicle.
- Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle rental company.
- Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of 31 consecutive days from a rental agency.
- Losses resulting from any kind of illegal activity.
- Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
- Damage sustained on any road not regularly maintained by a municipal, state, or federal entity.
- Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
- Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
- Theft of, or damage to, unlocked or unsecured vehicles.
- Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
I. How to file a claim:
- Visit mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
- You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact us or our designated representative for further details.
- Submit the following documentation within one hundred and eighty (180) days of the incident or the claim may not be honored:
- Receipt showing the vehicle rental.
- Statement showing the vehicle rental.
- The rental agreement (front and back).
- Copy of Your valid driver’s license (front and back).
- Copy of the declarations page of any primary vehicle insurance and other valid insurance or coverage.
- Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in a collision that requires the vehicle to be towed, in a multi-vehicle collision, or the vehicle is not drivable.
- Itemized repair estimate from a factory authorized collision repair facility.
- Copy of the vehicle rental company promotion/discount, if applicable.
- Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
- Any other documentation that may be reasonably requested by us or our administrator to validate a claim.
LEGAL DISCLOSURE
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company for all benefits other than Travel Accident Insurance and Baggage Delay which are provided by Federal Insurance Company a member insurer of the Chubb Group of Insurance Companies
Effective date of benefits: Effective September 1, 2021, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to You: These benefits apply only to the cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented any material facts concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a loss or breakdown). Under this Arbitration provision, you give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take place in the county and state in which you live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (adr.org) will apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs. “Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You . Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.
MASTERCARD TRAVEL AND LIFESTYLES SERVICES
As a World Elite Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.I Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard® cardholder, you have access to a lifestyle manager that will help you plan your vacation - complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate GuaranteeII and Mastercard Hotel Stay GuaranteeIII which deliver value and peace of mind.
- Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.
- Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund, you must submit a claim as described in the Terms & Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.
- Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple—if you book your three star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Group plc, the designated travel agent for the Mastercard Travel & Lifestyle Services program at Toll free (US): 1-855-802-1387 during your stay and a Ten lifestyle manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations.
Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit travel.mastercard.com/product/terms for the latest benefit information and terms & conditions.
Important
Contact the number on the back of Your card directly for questions concerning Your account, such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide.
©2021 Mastercard WRLD_ELT_0921
Luxury Card marks are property of Black Card LLC. BLACKCARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license by Mastercard International Incorporated, owner of registered trademarks MASTERCARD, WORLD ELITE MASTERCARD and the circles design. All trademarks are the property of their respective owners.
©2008-2021 Black Card LLC.
MASTERCARD® TITANIUM CARD™ REWARD RULES
This document contains the official Reward Rules for the Mastercard Titanium Card Account (“Account”) issued by Barclays Bank Delaware (“Barclays,” “we,” “us,” or “our”) and includes important conditions and limitations (“Reward Rules”) for your Account rewards program (“Program”). Use of your Account constitutes your acceptance of each of the terms described below and the terms of the Cardmember Agreement (“Cardmember Agreement”). “You,” “your” or “primary cardmember” means the person who applied for the Account. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Cardmember Agreement.
The Privacy Policy for Barclays is available online at myluxurycard.com. You agree that Barclays and Luxury Card will share information to the extent needed to administer the Program.
Reward Rules Administration
The Program and Reward Rules are administered by Barclays located in Wilmington, DE. We reserve the right to modify, amend or terminate the Reward Rules and the Program at any time with or without notice. You can review current Reward Rules any time by logging in to your Account at myluxurycard.com.
Gift card/eGift cards/certificates, merchandise, travel and experience redemptions are administered by IDS Ohio, Inc. (“InComm InCentives”) an independent company not affiliated with Barclays or Luxury Card. InComm InCentives Terms and Conditions (“Rewards Terms & Conditions”) specific to the aforementioned redemptions are available at myluxurycard.com on the Shop page.
To maintain your eligibility for participation in the Program through use of the Account:
- You must maintain an open Account that is in good standing. “Good Standing” means your Account is not in default under your Cardmember Agreement with us (in “Good Standing”).
- You must be an individual (corporations, partnerships, and other entities may not participate) and use the Account only for personal, family or household expenses.
- As long as the Program continues and the Account is open and in Good Standing, there is no limit to the total points you can earn and your points will not expire.
- You may not earn or redeem points during any period in which your Account is past due.
- If you have a rewards balance on your account that meets the minimum redemption requirement(s), you will have 60 days from the Account closure date to redeem any outstanding points, as long as your Account, at the time of closure, was not closed for any reasons outlined in the Points Forfeiture Section.
- All points earned by the primary cardmember and any authorized user(s) will be added to the primary cardmember’s points balance.
- If you do not receive credit for earned points, please contact the Cardmember Care number on the back of your card.
- You have no property rights or other legal interest in points. Points amounts have no cash value or value of any kind until they are fully redeemed. Points may not be transferred or assigned.
- Participation in the Program through use of your Account is subject to all applicable laws and regulations. The sale or barter of any points offered through the Program earned through use of the Account, other than by us or Luxury Card, is expressly prohibited.
- You are solely responsible for any taxes that may be owed as a result of points earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclays does not provide tax advice.
- You can view a summary of your points earned through the use of your Account on your monthly Account billing statement or by logging into myluxurycard.com.
Earning Points
You earn points for purchases less credits, returns and adjustments (“Net Purchases”) made by you and/or any authorized user(s) of the Account as follows:
- You earn 1 point for every $1 spent on Net Purchases using your Account.
- Balance transfers, cash advances (including cash equivalent transactions such as, but not limited to, the use of your Account to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges and unauthorized/fraudulent purchases are not considered Net Purchases and do not earn points.
Bonus Offers
From time to time, we may offer bonuses of points or other incentives to new Mastercard Titanium Card members in connection with an application for a new account. These bonuses and/or incentives are intended for applicants who are not and have not previously been Mastercard Titanium Card members. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new Mastercard Titanium Card account after this Account is opened. If you receive a bonus or incentive for which you are not eligible due to your status as a current or former Mastercard Titanium Card member, we may revoke the bonus or incentive, or reduce your points by the amount of the bonus or incentive, or charge your Account for the fair value of the bonus or incentive, in our sole discretion.
Redeeming Points
- You have the option to redeem your points for travel redemptions (airfare, hotel and car rentals), cash back direct deposit to a U.S. checking or savings account, statement credits, gift cards/certificates, merchandise or unique experiences.
- Airfare redemptions start at 50 points for $1.
- Cash back direct deposit into a U.S. checking or savings account and cash back statement credit redemptions start at 100 points for $1.
- Hotel stays and car rental redemptions vary based on availability and the redemption option selected.
- Gift card/eGift cards/certificates, merchandise and experience redemption minimums vary based on what you are redeeming for.
- The primary cardmember can redeem points, either by phone or by logging in to their Account online. Any authorized user(s) on the Account is able to redeem points by phone.
- To redeem, visit myluxurycard.com or call the number on the back of your card.
- Barclays is not responsible for unauthorized redemptions on your Account.
- All redemptions are final. Points can’t be returned, refunded, exchanged or credited, unless otherwise specified.
Travel Redemptions
- You may redeem points for airfare, hotel and car rentals when you book through InComm InCentives on myluxurycard.com or by calling the customer service number on the back of your card. All air, hotels and car rentals travel must be booked through InComm InCentives. No other travel agency may be used for these offers. You may redeem points for a scheduled ticket on a participating major airline carrier, provided that the fares and schedules are found on, and the ability to generate a ticket (electronic or paper) is possible through the Global Distribution System (GDS). GDS provides the same flights and fares available to travel agencies, but lower fares may be available elsewhere, e.g. from charters, wholesalers, consolidators and any Internet fares that are not published and/or available through GDS.
- Your points are redeemed at a rate of 2% when redeeming for airfare through myluxurycard.com or by calling the Customer Service number on the back of your card. For example, 50,000 points equates to $1,000 in airfare redemptions.
- Redeeming points for hotel and car rentals is subject to availability and the number of points needed to redeem for them may change at anytime.
- All airline bookings are final and non-refundable unless a refundable ticket is redeemed. If you wish to cancel a booking, you will forfeit your points redeemed for that booking and may incur additional supplier fees.
- Air, hotel and/or car rental reward rates are only guaranteed at the time your booking is made. Redemption cost includes applicable taxes and fees at the time of booking.
- If you cancel a refundable booking, you must call the number on the back of your card to process the cancellation. Your points minus any airline fees, if applicable, will be added to your points balance within 30 days of cancellation. We cannot guarantee your points will be refunded to your points balance if you contact the airline directly to cancel a refundable fare ticket.
- Barclays, Luxury Card and InComm InCentives are not responsible for the performance of any airline, communication of airline schedule changes or any other changes made by the airline. Airline reservations should be reconfirmed by the primary cardmember or designated traveler at least 72 hours prior to departure. All reservations are subject to the conditions of carriage, supply or business of the service provider, which include exclusions and limitations of liability. The primary cardmember or designated traveler is responsible for obtaining a valid government-issued photo ID and the appropriate international travel documentation such as passports and visas.
- There are no restrictions or blackout dates for eligible or participating airfare redemptions.
- For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Travel page.
Cash Back (Statement Credit) Redemptions
- Redemptions for statement credits are a redemption rate of 1%. For example, you can redeem 5,000 points for a $50 statement credit.
- The credit will be posted to your Account within 1-2 business days and will appear on your Account billing statement within 1 billing cycle.
- Statement credits reduce your Account balance but cannot be applied toward any minimum payment requirement and are otherwise subject to the terms and conditions applicable to your Account.
Cash Back Bank Deposit Redemptions
- Redemptions for a cash back bank deposit into a U.S. checking or savings account are a redemption rate of 1%. For example, you can redeem 5,000 points for a $50 cash back bank deposit.
- Bank deposit redemptions will be transferred to the requested U.S. checking or savings account within 3-4 business days.
- There is a $500 daily limit for bank deposit redemptions.
Gift Card/Certificate Redemptions
- The selection of gift cards/eGift cards/certificates are subject to availability and the number of points needed to redeem for them may change at any time.
- Terms of gift cards/eGift cards/certificates redemptions are subject to the rules of the merchant and may be viewed online at myluxurycard.com at the time of redemption. Each merchant/provider has the right to place restrictions on the use of its gift cards/eGift cards or gift certificates. Gift cards/eGift cards/certificates are not exchangeable, refundable, transferable or redeemable for cash, cannot be replaced if lost or stolen and are void where prohibited.
- Once you redeem for an eGift card, you must visit the Rewards Redemption History page at myluxurycard.com to retrieve your eGift card and to view the requirements for using your eGift card. The eGift card will be available for 12 months from the date of redemption, as long as your account is open and in Good Standing.
- Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Shop page.
Merchandise Redemptions
- The selection of merchandise items are subject to availability and the number of points needed to redeem them may change at any time.
- If applicable, any purchase, price and return protection and extended warranty coverage associated with your Account are not applicable to rewards. The manufacturer’s warranty, if any, applies to items offered. Please check product terms and conditions online at myluxurycard.com at the time of redemption for additional product information details.
- Velvet Glove delivery is available on select products. Additional details are available online at myluxurycard.com at the time of redemption.
Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at myluxurycard.com on the Shop page.
- Merchandise is nonrefundable and nonreturnable.
- Mail Delivery: If the merchandise you received is damaged or defective, you must contact the customer service number on the back of your card immediately and the merchandise must be returned within 30 days of delivery. No exchanges or returns are accepted after 30 days. Products must be in their original packaging. All parts must be included in the package before credit will be issued or a replacement of the damaged or defective merchandise will be shipped.
- Velvet Glove Delivery: Should you find an issue with the merchandise, you should refuse the delivery, ask the carrier to re-package and remove the merchandise from your premises, and contact the customer service number on the back of your card. Once you accept delivery, no refunds, exchanges, or replacements will be allowed.
Experience Redemptions
- Select experiences may be redeemed using your points. Please see the Item Rewards Terms & Conditions for availability and additional terms at the time of redemption on the Shop page at myluxurycard.com.
- All experiences available for redemption may be based on event ticket and/or accommodation availability. It is important to note that availability can change from time to time. While every effort will be made to fill your experience package with your first redemption choice, there are rare instances where this is simply impossible. Should this occur, you will be promptly contacted and given the opportunity to redeem for a different event or have your points refunded.
- Please do not make air or other travel arrangements until you receive the experience confirmation letter that includes all the details. The confirmation letter is sent via email but a physical copy can be mailed upon request. Please see the Item Terms and Descriptions for availability and additional terms at the time.
Points Forfeiture
If your Account is closed for any of the following reasons, your points earned will be forfeited if/based upon:
- You or any authorized user(s) on the Account engages in any fraudulent or illegal activity through the use of your Account.
- You, or any authorized user(s) on the Account engage in any activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings, as determined by us in our sole discretion.
- You or any authorized user(s) on the Account have negative public record information identified.
- Your history of Account usage.
- Your Account is delinquent, as determined by Barclays in its sole discretion.
- You or any authorized user(s) on the Account violate any of the Account Rewards Rules.
- Your Account is otherwise in default under your Cardmember Agreement with us.
Limitation and Release of Liability
By participating in the Program and accepting and using points earned through the Program, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge and hold harmless Barclays, Luxury Card and their respective parent companies, subsidiaries, affiliates, agents, administrators, employees, officers, directors, successors and assignees from all claims, damages or liability including, but not limited to, physical injury or death, arising out of participation in the Program or travel taken or use of products purchased in connection with the Program. Barclays, Luxury Card, and InComm InCentives are not responsible for unauthorized redemptions on your Account. Barclays has no liability in case of disagreement over issuance of points, items received through redemptions, or a cardmember’s right to redeem or possess points.
Important General Program Disclosures
Barclays reserves the right to correct inaccurate points values represented on statements, our website and/or our mobile app, at our sole discretion. We may, at our sole discretion, cancel, modify, restrict or terminate the Program or any aspects or features of the Program at any time without prior notice. All interpretations of the Reward Rules shall be at our sole discretion. Other significant terms may apply. All trademarks and service marks belong to their respective owners. We are not responsible for typographical errors or omissions in this document, website, mobile app, or any marketing materials. Points cannot be combined with other discount or reward programs unless specifically authorized by us.
Cardmember Care
If you have any questions about the Program, please contact the Cardmember Care phone number on the back of your card.
©2021 Barclays Bank Delaware, Member FDIC
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MASTERCARD® TITANIUM CARD™ GUIDE TO BENEFITS
LUXURY CONCIERGE SERVICES
Call 844-724-2500 any time of day or night to speak to a Luxury Card Concierge.®
Provides 24/7 personal concierge assistance to enhance travel, dining and entertainment experiences, provide household needs and access to unique benefits.
Mastercard Titanium Card offers you the Luxury Card Concierge Service. Imagine your own Personal Assistant 24 hours a day, 7 days a week, 365 days of the year. Where knowledgeable experts can assist with whatever you need, whenever you need it. This takes “Concierge Service” to the next level with robust, personalized features that will save you time and simplify your day.
Benefits include:
- Personal Profile to track preferences for travel, hotels, dining, entertainment, special occasions — and even food allergies.
- Local experts who can provide on-site assistance with everyday household needs — like being there when the new appliance is delivered, because you can’t be.
- Access to unique dining and entertainment venues to turn a special occasion into a memorable experience.
- Reminder service for those dates or events that you can’t afford to miss.
- Pre-trip planning services, providing you with critical information in advance of your trip including: 10-day weather forecast, travel requirements, city-specific news and conditions, safety and security advisory, suggested packing list, pre-arranged confirmations for dining and other services, top must-see attractions, fitness facilities, jogging paths and recreation within close proximity of your hotel, etc.
Let Luxury Card Concierge assist you today, so you can have your day back! Our experts look forward to assisting you at 844-724-2500 or concierge@luxurycard.com.
Important information. Please read and save.
This Guide supersedes any guide or program description you may have received earlier. This Guide to Benefits contains detailed information about benefits available to you as a Luxury Card Cardmember.
Please read carefully, each benefit description provides you with the details on what coverage you have and any exclusions and restrictions.
This Guide includes important details about the benefits that come with your Luxury Card at no additional cost. Read ahead to learn how Luxury Card can provide you peace of mind when traveling. Keep this Guide in a safe place so you know how to make the most of your benefits when you need them.
The benefits, as described in this Guide, apply to purchases made with your Luxury Card on or after the effective date, and this Guide then replaces any Summary or other program description you may have received earlier.
From time to time benefits may be modified, updated or removed. All benefits may not be listed in this Guide to Benefits. Please go to the Rewards and Benefits section of the customer website at myluxurycard.com for more information about all the benefits available to you and to view your current Guide to Benefits.
To file a claim, call 1-800-Mastercard: 1-800-627-8372. Español: 1-800-633-4466. “Card” refers to Luxury Card card and “Cardmember” refers to a Luxury Card Cardmember.
CELLULAR WIRELESS TELEPHONE PROTECTION
Key Terms
Throughout this benefit, you and your refer to the Cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG company, New York, NY.
Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-Mastercard.
Authorized User means a person who is recorded as an Authorized User of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing.
Covered Card means the Mastercard® card linked to your Eligible Account.
Eligible Account means the account associated with the Cardholder’s U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.
Eligible Cellular Wireless Telephones means the cellular telephones associated with the primary line and additional or supplemental lines on the Eligible Person’s monthly billing statement from a cellular provider for the billing cycle preceding the month in which the theft or damage occurred.
Eligible Person means a Cardholder who charges his or her monthly bill for an Eligible Cellular Wireless Telephone to his or her Covered Card. No person or entity other than the Eligible Person(s) described shall have any legal or equitable right, remedy or claim for the insurance proceeds arising out of this coverage.
Evidence of Coverage (EOC) means the summary of benefits set forth below which describe the terms, conditions, limitations and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern your coverage.
Group Policy means the Cellular Protection Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
Mysteriously Disappear means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
Stolen means taken by force and/or under duress or a loss which involves the disappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.
A. To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Covered Card. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill to your Covered Card. If you pay an Eligible Cellular Wireless Telephone bill with your Covered Card and fail to pay a subsequent bill to your Covered Card in a particular month, your coverage period changes as follows:
- Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to your Covered Card; and
- Your coverage resumes on the first day of the calendar month following the date of any future payment of your Eligible Cellular Wireless Telephone bill with your Covered Card.
B. The kind of coverage you receive:
- Reimbursement for the actual cost to replace or repair a Stolen or damaged Eligible Cellular Wireless Telephone.
- Coverage ends on the earliest of: The date you no longer are a Cardholder; the date the Covered Card is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the Group Policy; the date the participating organization ceases to participate in the Group Policy; the date the Group Policy is terminated.
C. Coverage limitations:
Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800 per claim for World Elite Mastercard, and $1,000 per Covered Card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Covered Card per 12-month period.
Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited only to those amounts not covered by any other insurance or indemnity. In no event will this coverage apply as contributing insurance. This “noncontribution” clause will take precedence over a similar clause found in other insurance or indemnity language.
D. What is NOT covered:
The following items are excluded from coverage under the Group Policy:
- Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer;
- Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use;
- Eligible Cellular Wireless Telephones that are lost or Mysteriously Disappear;
- Eligible Cellular Wireless Telephones under the care and control of a Common Carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service;
- Eligible Cellular Wireless Telephones Stolen from baggage unless hand-carried and under the Eligible Person’s supervision or under the supervision of the Eligible Person’s traveling companion who is previously known to the Eligible Person;
- Eligible Cellular Wireless Telephones Stolen from a construction site;
- Eligible Cellular Wireless Telephones which have been rented or leased from a person or company other than a cellular provider;
- Eligible Cellular Wireless Telephones which have been borrowed;
- Eligible Cellular Wireless Telephones that are received as part of a pre-paid plan;
- Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls or to use other features related to making or receiving phone calls);
- 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 or vermin;
- Damage or theft resulting from mis-delivery or voluntary parting from the Eligible Cellular Wireless Telephone;
- Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or Internet store that has the ability to initiate activation with the cellular service provider;
- Taxes, delivery or transportation charges or any fees associated with the service provided; and
- Losses covered under a warranty issued by a manufacturer, distributor or seller.
In addition, we shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit under the Group Policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us, our parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.
E. How to file a claim
- Call 1-800-Mastercard or go to mycardbenefits.com to open a claim. You must report the claim within 90 days of the loss, or as soon as reasonably possible, or the claim may not be honored. Upon receipt of a notice of claim, we will provide you with the necessary instructions for filing proof of loss. Written proof of loss must be submitted to our Administrator within 120 days of the loss or the claim may not be honored. Required documentation may include but is not limited to the following:
- Your card statement reflecting the monthly Eligible Cellular Wireless Telephone payments for the month preceding the date the Eligible Cellular Wireless Telephone was Stolen or suffered damage;
- A copy of your current wireless service provider’s billing statement;
- If a claim is due to damage, a copy of the repair estimate and photos of the damage;
- If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and
- Any other documentation or information reasonably requested by Us to support the claim.
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the Cardholder, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group Policy.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the insurance coverage for all Cardholders. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to Eligible Accounts issued in the United States. The United States is defined as the fifty U.S. states and the District of Columbia. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned.
Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the Group Policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the Group Policy.
Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
Salvage: If an item is not repairable, we may request that you send the item to us for salvage at your expense. Failure to remit the requested item for salvage to us may result in denial of the claim.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy, the Group Policy shall control.
Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are in the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy, the Guide to Benefits shall control.
MASTERCARD ID THEFT PROTECTION™
Program Description:
Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft.
Eligibility:
All Mastercard consumer credit cardholders in the US are eligible for this coverage. Enrollment is required.
Service Provider: ID Theft Protection is provided by Generali Global Assistance, Inc. More information about this service provider is available at: mastercardus.idprotectiononline.com/.
Access: To receive ID Theft Protection, you must enroll at: mastercardus.idprotectiononline.com/. ID Theft Protection is provided on a 24-hour basis, 365 days a year. Contact 1-800-Mastercard if you believe you have been a victim of identity theft.
Charges: There is no charge for ID Theft Protection, it is provided by your financial institution.
Program Provisions for Mastercard ID Theft Protection:
To receive ID Theft Protection, you must enroll as described above and such benefits related to ID Theft Protection accrue as of the date of enrollment. Mastercard ID Theft Protection is governed by the terms provided in this Guide to Benefits and the Terms and Conditions and Terms of Service available at: mastercardus.idprotectiononline.com/. The terms and conditions contained in this Guide to Benefits may be modified by subsequent mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the provider non-renews or cancels any services provided to eligible Mastercard cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar service takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard or please see mastercardus.idprotectiononline.com/.
ID Theft Protection Services Provided:
1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
Personally Identifiable Information (PII)
Compromised Credentials monitors for a combination of email address /username /password /security questions located within:
- Hacker account dump sites
- Hacktivist forums
- Data leaks
- Malware logs
Alerts are sent with event details, also listed within resolution console and most often includes source of breach (from where the data was harvested).
High-Risk Transactions monitors a Consumer’s high-risk transactions with more than 300 of the nation’s largest companies to uncover and thwart account takeover attempts. Knowledge-Based Authentication (questions only an individual should know about themselves such as what street they lived on in 2009) used by organizations across industries limits the risk of identity theft or account takeover. Alerts are sent when a series of knowledge-based authentication questions are generated to validate the Consumer’s identity (i.e. when accessing a credit report). Monitored transactions include:
- Credit cards
- Bank accounts
- Brokerage accounts
- Healthcare portals
- Workplace intranets
- Other services (e.g. peer-to-peer fund transfers)
Dark Web Monitoring provides monitoring of underground web pages people can visit without third parties being able to trace the location of the web visitors or the web page publisher. Dark web sites make up about .01% of the Internet and are intentionally hidden or protected by encryption technologies and not accessible via standard web browsers.
Credit Information
Single Bureau Credit Monitoring monitors a Consumer’s TransUnion credit file for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. In order to use this service, Consumers must provide some personal information, such as name, address, date of birth, and SSN, and undergo either digital verification via text or knowledge-based authentication. ID Theft Protection sends alert notification emails, such as change of address alerts, anytime potentially unauthorized inquiries or suspicious activities on Consumer’s credit file are detected so they can take immediate action to minimize damage.
Additional Information
Small Business ID Theft Protection upgrades ID Theft Protection identity monitoring services by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for the Consumer’s business URL and domain (limited to 10 domains) within corporate data breaches, malicious third-party botnets and criminal forums.
2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
- Email Addresses
- Debit/Credit Cards
- Loyalty/Affinity Cards
- Bank Account Numbers
- Passport Numbers
- Medical and Vehicle Insurance Cards
- Drivers Licenses
- National Identity Numbers/Social Security Numbers
- New Lines of Credit
- Address Changes
3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE RESOLUTION OR SPECIALIST SUPPORT
Self-Service ID Theft Resolution Kit is a self-service resolution document which informs Consumers of the different forms of ID theft, and how to resolve each situation. Resolution tools in the kit include preventive measures, step-by-step guides and sample letters to be sent to collection agencies.
Access to Resolutions Specialists which assigns a personal case manager to help take care of everything.
Self-Service ID Theft Wizard provides step-by-step advice for many identity theft scenarios that Consumers may face. All ID Theft Protection users have access to the Identity Theft Protection Kit found in the Profile section of their portal, which explains the many forms of identity theft and provides protective measures anyone can take to limit their risk. The kit also contains a Federal Trade Commission sample affidavit form, as well as sample letter templates for filing disputes in cases of identity theft or fraud.
Online Fraud Alert allow Consumers to place a statement on their credit report that instructs lenders to contact the Consumer before issuing new credit. This makes it more difficult for an identity thief to open new accounts in their name. When Consumers place a fraud alert with one bureau, the other two bureaus are informed, and the alert is then placed on all three bureau files. Fraud alert placement is free, and alerts stay on the Consumer credit files for one year.
MASTERCARD GLOBAL SERVICE
Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance . Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.
Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account.
In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:
Australia – 1-800-120-113 | Mexico – 001-800-307-7309 |
Austria – 0800-070-6138 | Netherlands – 0800-022-5821 |
France – 0-800-90-1387 | Poland – 0-0800-111-1211 |
Germany – 0800-071-3542 | Portugal – 800-8-11-272 |
Hungary – 06800-12517 | Spain – 900-822-756 |
Ireland – 1-800-55-7378 | United Kingdom – 0800-96-4767 |
Italy – 800-870-866 | Virgin Islands – 1-800-307-7309 |
For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at mastercard.com or call the United States collect at 1-636-722-7111.
Account Information and Card Benefits:
When in the United States, contact Your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access Your card issuer for account information or to access any of Your card benefits.
ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro,® and Cirrus® brands. Also, visit our website at mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide. To enable cash access, be sure You know Your Personal Identification Number (PIN) before you travel.
TRAVEL ASSISTANCE SERVICES
Rely on Travel Assistance Services when you’re away from home. Travel Assistance Services is your guide to many important services you may need when traveling. Benefits are designed to assist you or your travel companions when you’re traveling 50 miles or more from home.
- This is reassuring, especially when visiting a place for the first time or not speaking the language. For services, call 1-800-Mastercard. Enrollment is automatic and the assistance service is free to cardholders . Please keep in mind that you will be responsible for the fees incurred for professional or emergency services requested of Travel Assistance Services (e.g., medical or legal bills).
- Travel Assistance Services are available worldwide, with the exception of those countries and territories which may be involved in an international or internal conflict, or in those countries and territories where the existing infrastructure is deemed inadequate to guarantee service. You may contact us prior to embarking on a covered trip to confirm whether or not services are available at your destination(s).
MasterTrip® Travel Assistance
Before you begin your trip, MasterTrip provides information on travel requirements including documentation (visas, passports), immunizations or currency exchange rates. The exchange rate provided may differ from the exact rate that issuers use for transactions on your card. Information on exchange rates for items billed on your statement should be obtained from the financial institution that issued your card. MasterTrip will also help you locate any lost or stolen travel materials, including luggage. This is not an insurance policy for lost/stolen luggage and we do not reimburse you for a permanent loss.
If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a family member, friend, or business account. This service does not provide maps or information regarding road conditions.
Travel Services Medical Assistance
Provides a global referral network of general physicians, dentists, hospitals and pharmacies. We can also help you refill prescriptions with local pharmacists (subject to local laws). In the event of emergencies, a stateside physician or nurse can be contacted for consultation with the local medical staff and to monitor your condition. If you are hospitalized, we can arrange to have messages relayed home, transfer you to another facility if medically necessary, or have a family member or close friend brought to your bedside if you have been traveling alone (at cardholder’s expense). If a tragedy occurs, we’ll assist in securing travel arrangements for you and your travel companion(s).
MasterLegal® Referral Service
Provides you with English-speaking legal referrals or consults with appropriate embassies and consulates regarding your situation.
Will assist in transfers up to $5,000 in cash from a family member, friend or business to cover legal fees or to post bail. There is no charge for referral services; however, legal and bail fees are your responsibility.
Master RoadAssist® Roadside Service
(Available only when traveling in the 50 United States and the District of Columbia)
If your car breaks down on the road, just call 1-800-Mastercard and tell us where you are. We’ll send someone to the rescue. This is not only reassuring, but it may also save you money because fees for many services (jumpstarts, towing, gas delivery, and tire changes) are pre-negotiated. Road service fees will be automatically billed to your Mastercard account.
You are responsible for emergency road service charges incurred by towing facilities responding to your dispatch, even if you are not with your vehicle (or it’s gone) when the tow truck arrives. Mastercard International is not responsible or liable for the service the towing facility provides. Towing facilities are independent contractors, solely liable for their services.
Emergency road service is not available in areas not regularly traveled, in “off road” areas not accessible by ordinary towing vehicles, or for over one-ton capacity trailers, campers or If you have a rental car, be sure to call the rental car agency before you call 1-800-Mastercard, as many rental agencies have special procedures regarding emergency road service assistance.
ENHANCED TRIP CANCELLATION AND TRIP INTERRUPTION
Key Terms
Throughout this document, you and your refer to a Cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG Company, New York, NY.
Accident(al) means a sudden, unforeseen, and unexpected event which: (1) Happens by chance; (2) arises from a source external to the Eligible Traveler; (3) is independent of illness, disease or their bodily malfunction or medical or surgical treatment thereof; (4) occurs while you are insured under the Group Policy; and (5) is the direct cause of loss.
Accidental Bodily Injury means an Accidental injury to the body of an external origin, unintentional and unforeseen by the Eligible Traveler. An Accidental Bodily Injury must be verified by a Physician.
Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator may be reached by phone at 1-800-mastercard.
Authorized User means a person who is recorded as an authorized user of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.
Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing who is a U.S. citizen or a legal resident of the U.S. or a U.S. territory, including the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands, and the Northern Mariana Islands.
Common Carrier means any land, water, or air conveyance operating under a valid 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, commuter rail or commuter bus lines, personal automobiles, or rental vehicles.
Covered Card means the Mastercard® card linked to your Eligible Account.
Covered Trip means a period of round-trip travel to one or more destinations other than an Eligible Traveler’s place of residence at the time of departure where: (1) The Eligible Traveler departs by Common Carrier to begin the period of round-trip travel; (2) the period of round-trip travel ends when the Eligible Traveler returns by Common Carrier to the place of departure; (3) the period of round-trip travel does not exceed three hundred sixty-five (365) days away from the Eligible Traveler’s place of residence at the time of departure; and (4) the Eligible Traveler charges the full amount of the cost of transportation by Common Carrier(s) to your Covered Card. The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).
Domestic Partner means a person who can provide documentation of registration of a Domestic Partner relationship with another person pursuant to a state, county, or municipal provision or who meets all of the following qualifications: (1) Has resided with his or her partner continuously for at least 12 months in a solepartner relationship that is intended to be permanent; (2) is not married to any other person; (3) is at least 18 years old; (4) is not related to his or her partner by blood closer than would bar marriage per state law; and (5) is financially interdependent with his or her partner as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance.
Eligible Account means the account associated with a U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.
Eligible Traveler means you and your Family Members and Traveling Companions who purchase a Covered Trip to your Covered Card.
Evidence of Coverage (EOC) means the summary of benefits set forth below which describes the terms, conditions, limitations and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern your coverage.
Family Member means a spouse, Domestic Partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full time student at an accredited college or university).
Group Policy means the Trip Cancellation/Interruption Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
Physician means a licensed medical, surgical, or dental practitioner acting within the scope of his or her license. The treating Physician may not be an Eligible Traveler, an Eligible Traveler’s Family Member, a Traveling Companion or related to an Eligible Traveler by blood.
Pre-Existing Condition means any condition resulting from any injury or Sickness affecting an Eligible Traveler, a Traveling Companion, or a Family Member traveling with an Eligible Traveler within the sixty (60) day period prior to the purchase date of a Covered Trip. The condition must have (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care, or treatment; (b) required taking prescribed drugs or medicine; or (c) required medical treatment or treatment was recommended by a Physician. Taking maintenance medications for a condition that is considered stable is not included as a Pre-Existing Condition.
Sickness means ill health, disorder, or unsound condition that is diagnosed or treated by a Physician.
Terrorist Action means an act of violence by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government, that is deemed terrorism by the United States Government, other than civil disorder or riot, and is not an act of war, declared or undeclared, and results in loss of life or major damage to property.
Traveling Companion means an individual who has made advanced arrangements with you or your Family Members to travel together for all or part of a Covered Trip.
Travel Supplier means a tour operator, innkeeper, resort, or a cruise line, airline, railroad or other Common Carrier.
Trip Cancellation means the cancellation of travel arrangements when the Eligible Traveler is prevented from traveling on a Common Carrier for a Covered Trip on or before the departure of the Covered Trip.
Trip Interruption means the interruption of the Covered Trip either on the way to the point of departure or after departure of the Covered Trip.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal Disclosures set forth below.
A. To get coverage:
You must charge the full amount of a Covered Trip to your Covered Card or in combination with your Covered Card and accumulated points on your Eligible Account or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.
B. Covered Losses:
Covered Losses include Trip Cancellations or Trip Interruptions that result from the following:
- Accidental Bodily Injury or loss of life or Sickness of either the Eligible Traveler, Traveling Companion or an immediate Family Member of the Eligible Traveler or Traveling Companion;
- Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather or natural disaster that causes all travel to or from the scheduled destination to stop for at least 24 hours);
- The Eligible Traveler or his or her spouse’s change in military orders;
- Terrorist Action or hijacking;
- Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived;
- The Eligible Traveler or Traveling Companion’s dwelling made uninhabitable; or
- Quarantine imposed by a Physician for health reasons.
C. The kind of coverage you receive:
Trip Cancellation
We will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card if a Covered Loss causes an Eligible Traveler’s Trip Cancellation, subject to the cancellation provisions in effect at the time the Travel Supplier is notified of cancellation.
If a Physician advises the Eligible Traveler that a Covered Trip is medically inadvisable, the Eligible Traveler must immediately notify the appropriate Travel Supplier of his or her Trip Cancellation after receiving such medical advice. If the Eligible Traveler does not provide such notification, our payment will not exceed the cancellation penalties imposed by the Travel Supplier and in effect during the forty-eight (48) hour period immediately following the Physician’s notice that travel was not advisable, subject to any other limits set forth herein.
Trip Interruption
If a Covered Loss causes an Eligible Traveler’s Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card for the following:
- The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed; and
- Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her Common Carrier Covered Trip or to return to his or her place of origin.
If a Covered Loss causes an Eligible Traveler to temporarily postpone transportation by Common Carrier for a Covered Trip and a new departure date is set, we will reimburse you for the following:
- The additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled Covered Trip by the most direct route); and
- The unused, non-refundable land, air, and sea arrangements paid to a Travel Supplier with your Covered Card.
Term of Coverage
Coverage begins on the date the Covered Trip was purchased and ends immediately at the time the Covered Trip is completed.
An Eligible Traveler’s coverage terminates on any of the following dates: The date the Eligible Traveler is no longer eligible to participate; the date the Eligible Account is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the Group Policy; the date the participating organization ceases to participate in the Group Policy; or the date the Group Policy is terminated.
Coverage Limitations
The maximum benefit amount for Trip Cancellation is $5,000 per Covered Trip and $10,000 per Eligible Account per 12 consecutive month period.
The maximum benefit amount for Trip Interruption is $5,000 per Covered Trip and $10,000 per Eligible Account per 12 consecutive month period.
Coverage is secondary to and in excess of any other applicable insurance or benefit available to the Eligible Traveler including benefits provided by the Travel Supplier, such as exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers. In no event will this coverage apply as contributing insurance. This “non-contribution” clause will take precedence over the “non-contribution” clauses found in other insurance or indemnity language. Coverage is not available in states where prohibited.
D. What is NOT covered:
Coverage does not apply to any Accident, Accidental Bodily Injury, or loss caused by or resulting from the following, directly or indirectly.
- Pre-Existing Conditions.
- The Eligible Traveler’s intentionally self-inflicted injuries, including suicide or attempted suicide.
- A declared or undeclared war.
- Mental or emotional disorders, unless hospitalized.
- The Eligible Traveler’s participation in a sporting activity for which he or she receives a salary or prize money.
- The Eligible Traveler being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
- The Eligible Traveler being under the influence of any narcotic or other controlled substance at the time of an Accident, unless the narcotic or other controlled substance is taken and used as prescribed by a Physician.
- The Eligible Traveler’s commission or attempted commission of any illegal or criminal act, including but not limited to any felony.
- The Eligible Traveler parachuting from an aircraft.
- The Eligible Traveler engaging or participating in a motorized vehicular race or speed contest.
- Dental treatment except as a result of Accidental Bodily Injury to sound, natural teeth.
- Any non-emergency treatment or surgery, routine physical examinations.
- Hearing aids, eye glasses or contact lenses.
- One-way travel that does not have a return destination.
E. How to file a claim:
Notification of Claims: Visit MyCardBenefits.com or call 1-800-mastercard to open a claim. You must notify the Administrator of your claim within sixty (60) days of the Covered Loss or the claim may not be honored. You must also notify the Travel Supplierv and complete its claim procedures.
Claim Forms: Upon receipt of notice of your claim, we will furnish you with such instructions as are usually furnished by us for filing proof of loss.
Proof of Loss: You must furnish written proof of loss to us within 180 days after the date of your loss. Failure to file such proof within the time required will not invalidate or reduce your claim if it was not reasonably possible to give proof within such time, provided you furnish such proof as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one (1) year from the time proof is otherwise required. Required documentation may include the following:
- Copies of your Common Carrier tickets and Travel Supplier receipts.
- Your Covered Card billing statement showing the charges for the Covered Trip.
- Proof of Covered Loss, as applicable, including court subpoenas, orders to report for active duty, Physician orders, etc.
- A copy of the Travel Supplier’s cancellation policy.
- Any other information that may be reasonably requested by us to validate your claim.
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the Cardholder, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group Policy.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and we reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the insurance coverage for all Eligible Accounts. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to U.S. issued Eligible Accounts. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Eligible Account is suspended or cancelled, subject to the terms and conditions of coverage.
Legal Actions: No action at law or in equity may be brought to recover under the Group Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of the Group Policy. No such action may be brought after the expiration of two (2) years from the time written proof of loss is required to be furnished.
Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned.
Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the Group Policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
Due Diligence: The Eligible Traveler must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the Group Policy.
Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person who receives payment under these benefits must transfer to us his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them.
Other Limitation: Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability .
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the Group Policy, the Group Policy shall control. Provision of services is subject to availability and applicable legal restrictions.
Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are the entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group Policy, the Guide to Benefits shall control.
TRAVEL ACCIDENT AND BAGGAGE DELAY
THE PLAN
As a MasterCard Cardholder, you, your spouse or domestic partner and unmarried dependent children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers or coupons, has been charged to your MasterCard Card account. If the entire cost of the passenger fare has been charged to your MasterCard account prior to departure for the airport, terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport limousine); immediately, a) preceding your departure, directly to the airport, terminal or station b) while at the airport, terminal or station, and c) immediately following your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your MasterCard account. This coverage does not include Commutation. Commutation is defined as travel between the Insured Person’s residence and regular place of employment. Common Carrier means any land, water or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire.
IMPORTANT DEFINITIONS
Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. Dependent Child(ren) means those children, including adopted children and children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: 1) under the age of twentyfive (25) and reside with the Insured Person: or 2) beyond the age of twenty-five (25), permanently mentally or physically challenged, and incapable of self-support; or 3) under the age of twenty-five (25) and classified as a full-time student at an institution of higher learning. Domestic Partner means a person designated in writing by the primary insured person, who is at least eighteen (18) years of age, and who during the past twelve (12) months: 1) has been in a committed relationship with the primary insured person; and 2) has been the primary insured person’s sole spousal equivalent; and 3) has resided in the same household as the primary insured person; and 4) been jointly responsible with the primary insured person for each other’s financial obligation, and who intends to continue the relationship above indefinitely.
THE BENEFITS
The full Benefit Amount of $250,000 is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing or any combination thereof. One half of the Benefit Amount is payable for accidental loss of: one member, sight of one eye, speech or hearing. “Member” means hand or foot. One quarter of the Benefit Amount is payable for the 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 4 fingers 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 they are later reattached. “Benefit Amount” means the Loss amount applicable at the time the entire cost of the passenger fare is charged to the eligible MasterCard account. The loss must occur within one year of the accident. The Company will pay the single largest applicable Benefit Amount. In no event will duplicate request forms or multiple charge cards obligate the Company in excess of the stated Benefit Amounts for any one loss sustained by any one individual insured as the result of any one accident. 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 three (3) times the Benefit Amount for loss of life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance.
BAGGAGE DELAY
We will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day for three (3) days in the event of a Baggage Delay. Our payment is limited to expenses incurred for the emergency purchase of essential items needed by the Insured Person while on a covered trip and at a destination other than the Insured Person’s primary residence. Essential items not covered by Baggage Delay include, but are not limited to: 1) contact lenses, eyeglasses or hearing aids; 2) artificial teeth, dental bridges or prosthetic devices; 3) tickets, documents, money, securities, checks, travelers checks and valuable papers; or 4) business samples; The Baggage Delay Benefit Amount is excess over any other insurance (including homeowners) or indemnity (including any reimbursements by the airline, cruise line, railroad, station authority, occupancy provider) available to the Insured Person. Baggage Delay means a delay or misdirection of the Insured Person’s Baggage by a Common Carrier for more than four (4) hours from the time the Insured Person arrives at the destination on the Insured Person’s ticket.
ELIGIBILITY
This travel insurance plan is provided to MasterCard cardholders automatically when the entire cost of the passenger fare(s) are charged to a MasterCard account while the insurance is effective. It is not necessary for you to notify your financial institution, the administrator or the Company when tickets are purchased.
THE COST
This travel insurance plan is provided at no additional cost to eligible MasterCard cardholders. Your financial institution pays the premium for this insurance.
BENEFICIARY
The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured
EXCLUSIONS
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions; 2) suicide, attempted suicide or intentionally self-inflicted injuries; 3) declared or undeclared war, but war does not include acts of terrorism; This insurance also does not apply to an accident occurring while an Insured is acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.
CLAIM NOTICE
Written claim notice must be given to the Company within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss. CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete proof of loss. CLAIM PAYMENT: For all benefits, the Company will pay you or your beneficiary the applicable benefit amount within 60 days after complete proof of loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.
HOW TO FILE A CLAIM
To file a claim please call 1-800-MasterCard. Claims are processed by the Claim Administrator, Crawford and Company. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to: Crawford and Company, P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once a claim number is assigned, supporting documentation for the claim can also be submitted through Myclaimsagent.com.
EFFECTIVE DATE
This insurance is effective on the date that you become an eligible cardholder; and will cease on the date the Master Policy 6477-44-67 is terminated or on the date your account ceases to be eligible, whichever occurs first.
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: Financial Customer Insurance Trust. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.
MASTERRENTAL COVERAGE
KEY TERMS
Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company.
Administrator means Sedgwick Claims Management Services, Inc. You may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-800-Mastercard.
Authorized Driver(s) means a driver with a valid driver’s license issued from their state of residence and indicated on the rental agreement.
Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the Participating Organization for the covered card.
Covered Card means the Mastercard card.
Damage means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.
Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.
Rental Agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement.
Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the probability of theft.
United States Dollars (USD) means the currency of the United States of America.
Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.
Evidence of Coverage
Pursuant to the below terms and conditions, when you rent a vehicle for 31 consecutive days or less with your covered card, you are eligible for benefits under this coverage.
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not considered rental charges) with your covered card and/or the accumulated points from your covered card at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card.
You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company.
You must rent the vehicle in your own name and sign the rental agreement.
Your rental agreement must be for a rental period of no more than 31 consecutive days. Rental periods that exceed or are intended to exceed 31 consecutive days are not covered.
B. The kind of coverage you receive:
We will pay for the following on a secondary basis:
- Physical damage and theft of the vehicle, not to exceed the limits outlined below.
- Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss of use charges must be substantiated by a location and class-specific fleet utilization log.
- Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party.
C. Coordination of benefits:
When MasterRental is provided on a secondary basis and a covered loss has occurred, the order in which benefits are determined is as follows:
- You or an authorized driver’s primary auto insurance;
- Collision/damage waiver provided to you by the rental agency;
- Any other collectible insurance;
- The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the other insurance.
Note: In certain parts of the United States and Canada, losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, coverage is considered primary coverage.
D. Who is covered:
The covered card cardholder and those designated in the rental agreement as authorized drivers.
E. Excluded rental vehicles:
- All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles.
- All sport utility trucks. These are vehicles that have been, or can be converted to an open, flatbed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
- Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
- Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
F. Where you are covered:
Coverage is available worldwide.
Coverage is not available in countries where:
- This EOC is prohibited by that country’s law; or
- The terms of the EOC are in conflict with the laws of that country.
G. Coverage limitations:
We will pay the lesser of the following:
- The actual repair amount;
- Wholesale market value less salvage and depreciation;
- The rental agency’s purchase invoice less salvage and depreciation.
In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service.
We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.
H. What is NOT covered:
- Any personal item stolen from the interior or exterior of rental vehicles.
- Vehicle keys or portable Global Positioning Systems (GPS).
- Vehicles not rented by the cardholder or authorized user on the covered card.
- Any person not designated in the rental agreement as an authorized driver.
- Any obligations you assume other than what is specifically covered under the rental agreement or your primary vehicle insurance or other indemnity policy.
- Any violation of the written terms and conditions of the rental agreement.
- Any loss that occurs while driving under the influence of drugs or alcohol.
- Any loss associated with racing or reckless driving.
- Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
- Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
- Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
- Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
- Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/purchased by you.
- Any damage that is of an intentional or non-accidental nature, caused by you or an authorized driver of the rental vehicle.
- Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle rental company.
- Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of 31 consecutive days from a rental agency.
- Losses resulting from any kind of illegal activity.
- Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
- Damage sustained on any road not regularly maintained by a municipal, state, or federal entity.
- Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
- Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
- Theft of, or damage to, unlocked or unsecured vehicles.
- Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
I. How to file a claim:
- Visit mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
- You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact us or our designated representative for further details.
- Submit the following documentation within one hundred and eighty (180) days of the incident or the claim may not be honored:
- Receipt showing the vehicle rental.
- Statement showing the vehicle rental.
- The rental agreement (front and back).
- Copy of Your valid driver’s license (front and back).
- Copy of the declarations page of any primary vehicle insurance and other valid insurance or coverage.
- Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in a collision that requires the vehicle to be towed, in a multi-vehicle collision, or the vehicle is not drivable.
- Itemized repair estimate from a factory authorized collision repair facility.
- Copy of the vehicle rental company promotion/discount, if applicable.
- Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
- Any other documentation that may be reasonably requested by us or our administrator to validate a claim.
LEGAL DISCLOSURE
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company for all benefits other than Travel Accident Insurance and Baggage Delay which are provided by Federal Insurance Company a member insurer of the Chubb Group of Insurance Companies
Effective date of benefits: Effective September 1, 2021, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to You: These benefits apply only to the cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.
Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented any material facts concerning this coverage.
Dispute Resolution–Arbitration: This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a loss or breakdown). Under this Arbitration provision, you give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the arbitration will take place in the county and state in which you live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (adr.org) will apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs. “Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.
MASTERCARD TRAVEL AND LIFESTYLES SERVICES
As a World Elite Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.I Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard® cardholder, you have access to a lifestyle manager that will help you plan your vacation-complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate GuaranteeII and Mastercard Hotel Stay GuaranteeIII which deliver value and peace of mind.
- Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.
- Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund, you must submit a claim as described in the Terms & Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.
- Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple—if you book your three star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Group plc, the designated travel agent for the Mastercard Travel & Lifestyle Services program at Toll free (US): 1-855-802-1387 during your stay and a Ten lifestyle manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations.
Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit travel.mastercard.com/product/terms for the latest benefit information and terms & conditions.
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