Capital One® World Elite Mastercard® Guide to Benefits

Capital One

World Elite Mastercard

Guide to Benefits

Important information. Please read and save.

This Guide to Beneﬁts contains detailed information about insurance

and retail protection services you can access as a preferred cardholder.

This Guide supersedes any guide or program description you may have

received earlier.

To ﬁle a claim or for more information on any of these services,

call the Mastercard Assistance Center at 1-877-288-6784,

or en Español: 1-800-633-4466.

“Card” refers to World Elite Mastercard card and

“Cardholder”refers to a World Elite Mastercard

cardholder.

Table of Contents

Key Terms.......................................................................2-3

Purchase Assurance.........................................................3-4

Price Protection...............................................................4-5

Extended Warranty............................................................5-6

Cellular Wireless Telephone Protection................................6-7

Concierge Services..............................................................7

Mastercard ID Theft Protection™........................................7-8

Identity Fraud Expense Reimbursement.................................9

Travel Assistance Services...............................................9-10

MasterRental Coverage.................................................10-12

Worldwide Automatic Travel Accident, Baggage Delay

& Trip Cancellation/Interruption Insurance......................12-14

Lost or Damaged Luggage.............................................14-15

Account and Billing Information..........................................15

Legal Disclosure...........................................................15-16

To file a claim, call 1-877-288-6784,

or en Español: 1-800-633-4466.

BR406933 M-127096

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.

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 can be reached by phone at 1-877-288-6784.

Auction (online or live) means a place or Internet site where

items are sold through price bids, price quotes; or where

prices ﬂuctuate based on the number of people purchasing,

or interested in purchasing a product. (Examples include, but

are not limited to, Ebay, Ubid, Yahoo, public or private live

auctions, etc.).

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 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.

Carry-on Luggage means suitcases or other containers

speciﬁcally designated for carrying personal property, which

are carried on board a common carrier by you.

Checked Luggage means suitcases or other containers

speciﬁcally designated for carrying personal property, for

which a claim check has been issued to you by a common

carrier.

Common Carrier means an air, land, or water motorized

transportation carrier operating under a regularly published

schedule and current license as required by law for the

conveyance of passengers. Common carrier does not include

helicopters, taxis, rental cars, hired cars, and private and

contract carriers.

Covered Card means the Mastercard

card linked to your

Eligible Account.

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.

Eligible Account means the account associated with the

Cardholder’s U.S. issued credit card 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 Expense(s) means reasonable and necessary attorney

fees or court costs associated in removing any civil suit

wrongful brought against you as a result of identity fraud or

any suit brought against you by a creditor or collection agency

or other entity for non-payment of goods and/or services as

a result of identity fraud, actual U.S. wages lost due to time

off relating to efforts in resolving your identity fraud issues,

loan application fees, notarizing afﬁdavits or other similar

document cost, long distance telephone cost, and postage

cost you may have incurred as a direct result of identity fraud.

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 a Group Policy issued by

New Hampshire Insurance Company, an AIG company.

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.

Identity Fraud means the use of your name, address, Social

Security number (SSN), bank, or credit card account

number, or other identifying information without your

knowledge to commit fraud or deception.

Loss means the eligible expenses related to your identity

fraud.

Lost means luggage (including personal property contained

within) that is missing for 10 consecutive days and whose

whereabouts are unknown to you or the common carrier.

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.

Non-auction Internet Advertisements means advertisements

posted on the Internet, by a non-Auction Internet merchant

with a valid tax identiﬁcation number. The advertisement

must have been posted within one hundred twenty (120)

days after the date you purchased the product and must

be for the identical item (advertisement must verify same

manufacturer and model number). The printed version of the

Internet advertisement must include the merchant’s Internet

address and customer service telephone number, as well as

the item including manufacturer, model number, sale price

and date of publication.

Printed Advertisements means advertisements appearing in a

newspaper, magazine, store circular, or catalog which state

the authorized dealer or store name, item (including make,

model number), and sale price. The advertisement must

have been published within one hundred twenty (120) days

after the date you purchased the product and must be for the

identical item (advertisement must verify same manufacturer

and model number).

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.

Stolen (Cellular) 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.

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.

Purchase Assurance

Evidence of Coverage

Pursuant to the below terms and conditions, when an item

you bought with your covered card is damaged or stolen within

ninety (90) days of purchase, you may be 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 purchase the new item entirely with your covered

card and/or accumulated points from your covered card for

yourself or to give as a gift.

B. The kind of coverage you receive:

• Most items you purchase entirely with your covered card are

covered if damaged or stolen within ninety (90) days from

the date of purchase as indicated on your covered card’s

receipt.

• Items you purchase with your covered card and give as gifts

also are covered.

• This coverage is secondary to any other applicable

insurance or coverage available to you or the gift recipient.

Coverage is limited to only those amounts not covered by

any other insurance or coverage beneﬁt.

C. Coverage limitations:

• Coverage is limited to the lesser of the following:

• The actual cost of the item (excluding delivery and

transportation costs).

• A maximum of $1,000 USD per loss and a total of $25,000

USD per cardholder account per twelve (12) month period.

• Purchases that are made up of a pair or set will be limited

to the cost of repair or replacement of the speciﬁc item

stolen or damaged. If the speciﬁc item cannot be replaced

individually or repaired, the value of the pair or set will be

covered not to exceed the limits above.

• Coverage for stolen or damaged jewelry or ﬁne art will be

limited to the actual purchase price as listed on your credit

card statement, regardless of sentimental or appreciated

market value.

D. What is NOT covered:

• Items left in public sight, out of arm’s reach, lacking care,

custody or control by the cardholder.

• Lost items, and items that mysteriously disappear (the only

proof of loss is unexplained or there is no physical evidence

to show what happened to the item) without any evidence of

a wrongful act.

• Items that are stolen from any location or place (including,

but not limited to, exercise facilities, places of employment,

schools, or places of worship) due to the lack of due

diligence by you or another party.

• Items lost, stolen, damaged, or mis-delivered while under

the care, custody, and control of another party or common

carrier (including, but not limited to, airlines, the U.S. Postal

Service, UPS, FedEx, or other delivery services).

• Losses due to normal wear and tear, misuse, gradual

deterioration, and/or abuse.

• Losses resulting from any dishonest, fraudulent, or criminal

act committed or arranged by you.

• Losses that cannot be veriﬁed or substantiated.

• Items covered by a manufacturer’s recall or class action

suit.

• Items that you damage through alteration (including, but not

limited to, cutting, sawing, shaping).

• Used or antique items; collectibles of any kind (such as

items designed for people to collect or items that over

time become collectibles); recycled, previously owned,

refurbished, rebuilt, or remanufactured items.

• Stolen items without a documented report from the police.

• Items that are damaged during transport via any mode.

• Items stolen from the interior or exterior of a watercraft/boat,

aircraft, motorcycle, automobile or any other motor vehicles.

• Motorized vehicles, including, but not limited to,

automobiles, watercraft/boats, aircraft, and motorcycles,

or their motors, equipment, or accessories. Motorized

equipment not designed for transportation and used solely

for the upkeep and maintenance of a residence is eligible for

coverage (including, but not limited to, snow thrower, lawn

mowers, and hedge trimmers).

• Land, any buildings (including, but not limited to, homes

and dwellings), permanently installed items, ﬁxtures, or

structures.

• Traveler’s checks, tickets of any kind (e.g., for airlines,

sporting events, concerts, or lottery), negotiable instruments,

bullion, rare, or precious metals, stamps, and coins,

currency or its equivalent.

• Losses caused by insects, animals, or pets.

• Plants, shrubs, animals, pets, consumables, and

perishables.

• Items purchased for resale, rental, professional, or

commercial use.

• Professional services (including, but not limited to, the

performance or rendering of labor or maintenance; repair

or installation of products, goods, or property; professional

advice of any kind, including, but not limited to, information/

services or advice secured from any help or support line;

or technical support for software, hardware, or any other

peripherals).

• Application programs, computer programs, operating

software, and other software.

• Losses resulting from 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.

• Losses caused by power surge, contamination by radioactive

or hazardous substances, including mold.

• Direct or indirect loss resulting from any Acts of God

(including, but not limited to, ﬂood, hurricane, lightning, and

earthquake).

• Losses caused by liquids, ﬂuids, oils, chemicals, or bodily

ﬂuids/excretions.

• Game animals, pets, or specimens preserved for display

(e.g., ﬁsh, birds, reptiles, or mammals).

• Items stolen or damaged at a new home construction site.

• Rented, leased, or borrowed items for which you will be held

responsible.

• Trip, service, or diagnostic charges in the absence of any

covered repairs or veriﬁed failure.

• Any shipping charges, transportation and delivery charges,

or promised time frames for delivery, whether or not stated

or covered by the manufacturer’s warranty.

E. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within sixty (60)

days of the loss or the claim may not be honored.

• Submit the following documentation within one hundred and

eighty (180) days of the date you report the claim:

• Repair estimate for damaged item(s).

• Photograph clearly showing damage, if applicable.

• Receipt showing purchase of covered item(s).

• Statement showing purchase of covered item(s).

• Report from police listing any items stolen.

• Copy of the declarations page of any applicable

insurance or protection (including, but not limited to,

homeowner’s, renter’s, or auto insurance policy).

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Price Protection

Evidence of 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 purchase the new item entirely with your covered

card and/or accumulated points from your covered card for

yourself or to give as a gift.

You must see either a printed advertisement or non-auction

Internet advertisement for the same product (advertisement

must verify same manufacturer and model number) for a

lower price within one hundred twenty (120) days from the

date of purchase as indicated on your receipt.

B. The kind of coverage you receive:

• Purchases you make entirely with your covered card are

covered for one hundred twenty (120) days from the date

of purchase as indicated on your receipt for the difference

between the price you paid and the lower price advertised.

• Items you purchase with your covered card and give as gifts

also are covered.

• This coverage is secondary to any other applicable

insurance or coverage available to you or the gift recipient

including beneﬁts provided by the retailer (including, but not

limited to, refunds, exchanges, and store credits). Coverage

is limited to only those amounts not covered by any other

insurance or coverage, or retailer beneﬁts (including, but not

limited to, refunds, exchanges, and store credits).

C. Coverage limitations:

• Coverage is limited to the difference between the actual

cost of the item (excluding taxes, storage, shipping, and

handling costs) and the advertised lower price, up to $250

USD per claim. There is a maximum of four (4) claim(s) per

cardholder account per twelve (12) month period.

D. What is NOT covered:

• Any item purchased from an Internet site whose primary

purpose is not the sale of the item or related items.

• Items purchased for resale, rental, professional, or

commercial use.

• Jewelry, art, used or antique items; collectibles of any kind

(such as items designed for people to collect or items that

over time become collectibles); recycled, previously owned,

refurbished, rebuilt, or remanufactured items.

• Customized/personalized, one-of-a-kind, or special-order

items.

• Layaway items; items returned to any store.

• Any items purchased from an auction.

• Items for which the printed advertisement or non-auction

Internet advertisement containing the lower price was

published after one hundred twenty (120) days from the

date you purchased the item.

• Items advertised or shown as price quotes, bids or ﬁnal sale

amounts from a non-auction Internet site.

• Items advertised in or as a result of “limited quantity,”

“going out-of-business sales,” “close out”, or as

“discontinued”.

• Printed advertisements or non-auction Internet

advertisements that display pricing lower than your

purchased item due to rebates, special offerings, bonuses,

free items/giveaways, manufacturer’s coupons, or special

ﬁnancing.

• Professional services, including workmanship, installation,

professional advice/counseling, and technical support, or

help line.

• Plants, shrubs, animals, pets, consumables, and

perishables.

• Motorized vehicles, including, but not limited to,

automobiles, watercraft/boats, aircraft, and motorcycles, or

their motors, equipment, or accessories.

• Land, any buildings (including, but not limited to, homes

and dwellings), permanently installed items, ﬁxtures,

structures, or home improvement.

• Game animals, pets or specimens preserved for display

(e.g., ﬁsh, birds, reptiles, or mammals).

• Traveler’s checks, tickets of any kind (e.g., for airlines,

sporting events, concerts, or lottery), negotiable instruments,

bullion, rare or precious metals, stamps, and coins,

currency or its equivalent.

• Differences in price due to sales tax, storage, shipping,

handling, postage, transportation, and delivery.

• Differences in price due to foreign exchange rates or

ﬂuctuation in foreign exchange rates.

E. How to ﬁle a claim:

For a Printed Advertisement:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within one hundred

twenty (120) days of the incident or the claim may not be

honored.

• Submit the following documentation within one hundred and

eighty (180) days of the advertisement’s publication:

• A copy of the printed advertisement that shows the

date of the advertisement, retailer name, the product

(advertisement must verify same manufacturer and

model number), and sale price.

• Receipt showing the item(s) was purchased.

• Statement showing item(s) purchased and use of

accumulated points.

• Itemized purchase receipt(s).

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

For a Non-Auction Internet Advertisement:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within one hundred

twenty (120) days of the incident or the claim may not be

honored.

• Submit the following documentation within one hundred and

eighty (180) days of the advertisement’s publication:

• A copy of the non-auction advertisement that shows

the date of the advertisement, website address, retailer

name, the product (advertisement must verify same

manufacturer and model number), sale price, and, if

applicable, shipping, handling and other charges.

• Receipt showing the item(s) was purchased.

• Statement showing item(s) purchased.

• Itemized purchase receipt(s).

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Extended Warranty

Evidence of 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 purchase the new item entirely with your covered

card and/or accumulated points from your covered card for

yourself or to give as a gift.

• The item must have an original manufacturer’s (or U.S.

store brand) warranty of twenty-four (24) months or less.

B. The kind of coverage you receive:

• Extended Warranty doubles the original manufacturer’s

warranty up to a maximum of twenty-four (24) months

on most items you purchase. For products with multiple

warranty components, each warranty time period will be

extended up to a maximum of twenty-four (24) months. An

example of a product with multiple warranty components

includes an appliance with original manufacturer’s (or

U.S. store brand) warranties that differ for parts, labor,

compressor, etc.

• If you purchase a service contract or an optional extended

warranty of twenty-four (24) months or less on your item,

we will cover up to an additional twenty-four (24) months

after both the original manufacturer’s (or U.S. store brand)

warranty and the purchased service contract or extended

warranty coverage period end. If your service contract or

extended warranty exceeds twenty-four (24) months, this

coverage does not apply.

• If you do not have an additional service contract or an

optional extended warranty, this Extended Warranty beneﬁt

commences the day after your original manufacturer’s (or

U.S. store brand) warranty expires.

C. Coverage limitations:

• The maximum beneﬁt for repair or replacement shall not

exceed the actual amount charged on your covered card or

$10,000 USD, whichever is less.

• If either the original manufacturer’s (or U.S. store brand)

warranty or the service contract covers more than twenty-

four (24) months, this beneﬁt will not apply.

• We or our administrator will decide if a covered failure will be

repaired or replaced, or whether you will be reimbursed up

to the amount paid for the item. Items will be replaced with

those of like kind and quality. However, we cannot guarantee

to match exact color, material, brand, size, or model.

D. What is NOT covered:

• Used or antique items; collectibles of any kind (such as items

designed for people to collect or items that over time become

collectibles) that do not come with a manufacturer’s warranty

(repair or replacement amount will not include market value at

time of claim); recycled, previously owned, refurbished, rebuilt,

or remanufactured items; product guarantees (e.g., glass

breakage).

• Floor models that do not come with an original manufacturer’s

warranty.

• Motorized vehicles, including, but not limited to,

automobiles, watercraft/boats, aircraft, and motorcycles, or

their motors, equipment, or accessories. Parts, if purchased

separately, may be covered.

• Land, any buildings (including, but not limited to, homes

and dwellings), permanently installed items, ﬁxtures, or

structures.

• Plants, shrubs, animals, pets, consumables, and

perishables.

• Professional services (including, but not limited to, the

performance or rendering of labor or maintenance; repair

or installation of products, goods or property; professional

advice of any kind, including, but not limited to, information/

services or advice secured from any help or support line;

or technical support for software, hardware, or any other

peripherals).

• Application programs, operating software, and other

software.

• All types of media with stored data or music (including, but

not limited to, computer software, DVDs, video cassettes,

CDs, ﬁlm and audio cassettes).

• Any shipping charges, transportation and delivery charges,

or promised time frames for delivery, whether or not stated

or covered by the manufacturer’s warranty.

• Direct or indirect loss resulting from any Acts of God

(including, but not limited to, ﬂood, hurricane, lightning, and

earthquake).

• Indirect or direct damages resulting from a covered loss.

• Mechanical failure arising from product recalls.

• Trip, service, or diagnostic charges in the absence of any

covered repairs or veriﬁed failure.

• Loss resulting from 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.

• Mechanical failures caused by normal wear and tear or

gradual deterioration where no failure has occurred.

• Items purchased for resale, professional, or commercial use.

• Mechanical failures caused by lack of maintenance/service.

• Losses caused by power surge, contamination by radioactive

or hazardous substances, including mold.

• Physical damage to the item.

• Any exclusion listed in the original manufacturer’s warranty.

E. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within sixty (60)

days of the failure or the claim may not be honored.

• Submit the following documentation within one hundred and

eighty (180) days from the date of failure or the claim may

not be honored:

• Receipt showing covered item(s).

• Statement showing covered item(s).

• Itemized purchase receipt(s).

• Original manufacturer’s (or U.S. store brand) warranty.

• Service contract or optional extended warranty, if applicable.

• Itemized repair estimate from a factory authorized service

provider.

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Cellular Wireless Telephone Protection

Key Terms

Please see the ‘Key Terms’ section for the terms used

throughout this beneﬁt.

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:

1. 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 USD per claim for World Elite Mastercard, and $1,000

USD per Covered Card per 12-month period. Each claim is

subject to a $50 USD 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;

• That are lost or Mysteriously Disappear;

• Under the care and control of a common carrier,

including, but not limited to, the U.S. Postal Service,

airplanes or delivery service;

• 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;

• Stolen from a construction site;

• Which have been rented or leased from a person or

company other than a cellular provider;

• Which have been borrowed;

• 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 1-877-288-6784 or go to www.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.

Please see the ‘Legal Disclosure’ section for all

disclosures for this beneﬁt.

Concierge Services

World Elite Mastercard

offers you the Mastercard Concierge

Service. Imagine your own Personal Assistant 24 x 7 x 365,

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, such as:

• 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

lists, 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 the Mastercard Concierge assist you today, so you can

have your day back! Our experts look forward to assisting you

at 1-877-288-6784.

Costs of any goods or services provided by the concierge will

be billed to your World Elite Mastercard.

Mastercard ID Theft Protection™

Program Description:

Mastercard ID Theft Protection (IDT) provides you with access

to a number of Identity Theft resolution services, should you

believe you are a victim of Identity Theft. This product offering

will alert you about possible identity theft by monitoring the

surface, dark and deep web, searching for compromised

credentials and potentially damaging use of your registered

personal information in order to detect fraud at its inception.

Eligibility:

All Mastercard consumer credit cardholders in the US are

eligible for this coverage.

Access:

Simply contact 1-877-288-6784 if you believe you have been

a victim of Identity Theft.

Services Provided:

Services provided are on a 24-hour basis, 365 days a year.

In order to receive the following services you must enroll at:

https://mastercardus.idprotectiononline.com/. The services

include:

Online Monitoring Dashboard (requires activation): The

online monitoring dashboard is the primary user interface

for cardholders. It serves as a repository of all the personally

identiﬁable information (PII) data the cardholder wants to

monitor, tracks and displays cardholder’s risk score, and

provides access to identity protection tips. It is also the platform

for cardholders to respond to identity monitoring alerts.

Monthly Risk Alert / Newsletter: Cardholders will receive a

monthly newsletter with information on the cardholder’s risk

score, and articles pertaining to good identity protection

practices.

Identity Monitoring: IDT searches the internet to detect

compromised credentials and potentially damaging use of

your personal information, and alerts you via email so that you

can take immediate action. This platform utilizes automated

monitoring and human threat intelligence from cyber

operations agents monitoring threat actors and their tactics

on the deep and dark web where personal data is bought and

sold. Data elements that can be monitored are:

• Email addresses

• Debit/credit cards/prepaid cards

• Bank accounts

• Web logins; username and password

• Medical insurance cards

• Drivers’ license

• Loyalty cards

• Afﬁnity cards

• Passport number

• Vehicle insurance cards

• Social Security number

To take advantage of this service, the cardholder must

enter the personal information they wish to monitor on the

dashboard.

Resolution Services: You will have access to a team of identity

theft resolution specialists, available 24 hours a day, 365

days a year to help resolve your identity theft incident and

prevent further damage. The resolution specialists are native

speakers of English, French and Spanish, and are based

out of Bethesda, Maryland. Cardholders are given the option

to sign limited power of attorney (LPOA) to the specialist, to

allow them to conduct resolution activities on the cardholder’s

behalf, including contacting police, credit agencies, and other

authorities, translating information, and closing and replacing

breached accounts.

Lost Wallet Assistance: Cardholders will be provided

assistance with notifying the appropriate issuing authorities

to cancel and replace stolen or missing items, such as their

debit/credit cards, driver’s license, Social Security card, and

passport.

Single Bureau Credit Monitoring: Cardholders’ TransUnion

credit ﬁle will be monitored for changes that could indicate

fraud such as new credit inquiries, an address change or new

credit account(s) opened in their name. An alert notiﬁcation

via email will be sent anytime a hard inquiry is made on

the cardholder’s TransUnion credit ﬁle so they can take

immediate action to minimize damage.

To take advantage of this service, the cardholder must enter

their Social Security number on the dashboard and pass

credit authentication.

Financial Account Takeover: IDT monitors cardholder’s high-

risk transactions with more than 300 of the nation’s largest

companies to uncover and thwart account takeover attempts.

Monitored transactions include:

• Debit/credit cards/prepaid cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

• Other services (e.g. peer-to-peer fund transfers)

To take advantage of this service, the cardholder must enter

the accounts they wish to protect on the dashboard.

URL and Domain Monitoring: URL and Domain monitoring

allows Cardholder to enter up to 10 domain or URL names

related to cardholder’s business. This service will monitor

the domain and URL names for any compromised email

addresses associated with the domain or URL names and if

compromised email addresses are found in a data breach,

this service will alert the registered cardholder via email and

provide information regarding the speciﬁc email address that

was breached along with information about the date found

and source (provided that this information is available).

For more information regarding the services stated above

and additional information, please visit https://mastercardus.

idprotectiononline.com/.

Charges:

There is no charge for these services. Mastercard provides

these services in association with your Financial Institution.

Services NOT Provided:

• When it is determined you have committed any dishonest,

criminal, malicious or fraudulent act.

• When your ﬁnancial institution or card issuer which provides

this service, has investigated the event and deemed you are

responsible the charge or event.

• When any theft or unauthorized use of an account by a

person to whom the account has been entrusted has been

committed.

Program Provisions for Mastercard ID Theft

Protection:

This service applies only to you, the named Mastercard

cardholder. You shall use due diligence and do all things

reasonable to avoid or diminish any loss or damage to

property protected by the program. The provider, Generali

Global Assistance, relies on the truth of statement made

in the afﬁdavit or declaration from each cardholder. This

service is provided to eligible Mastercard cardholders at no

additional cost and is in effect for acts occurring while the

program is in effect. The terms and conditions contained

in this program Guide may be modiﬁed by subsequent

endorsements. Modiﬁcations to the terms and conditions

may be provided via additional Guide 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 coverage takes

effect without interruption, no such notice is necessary. For

general questions regarding these services, please contact

1-877-288-6784.

Identity Fraud Expense Reimbursement

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we, us,

our, and words that appear in bold and Legal Disclosures.

A. The kind of coverage you receive:

We will reimburse you for losses you incur as a result of

identity fraud.

Coverage is secondary to any other applicable insurance or

coverage available to you. Coverage is limited to only those

amounts not covered by any other insurance or coverage

beneﬁt.

B. Coverage limitations:

Coverage is limited to eligible expenses, up to $1,000 USD

per claim, as a result of identity fraud.

C. Where you’re covered:

Coverage applies only to losses arising out of an identity fraud

occurring within any of the ﬁfty (50) United States of America,

Canada, the District of Columbia, American Samoa, Puerto

Rico, Guam, and the U.S. Virgin Islands.

D. What is NOT covered:

• An act of fraud, deceit, collusion, dishonesty or criminal act

by you or any person acting in concert with you, or by any

authorized representative of you, whether acting alone or in

collusion with you or others.

• Damages or losses arising out of any business pursuits,

loss of proﬁts, business interruption, loss of business

information, or other pecuniary loss.

• Damages or losses arising from the theft or unauthorized

or illegal use of your business name, d/b/a/ or any other

method of identifying your business activity.

• Any lost wages due to sickness or emotional breakdown.

• Damages or losses of any type for which the ﬁnancial

institution is legally liable.

• Damages or losses of any type resulting from fraudulent

charges or withdrawal of cash from a debit or credit card.

• Damages or loss of any type resulting from fraudulent

withdrawals from ﬁnancial accounts.

• Indirect or direct damages or losses of any nature.

• Any incident involving a loss or potential loss not notiﬁed to

the relevant police authority within seventy-two (72) hours

from the date you had knowledge of the loss.

• Any costs due to delay in providing services, or damages

resulting from any delay in services.

• Losses that were incurred or commenced prior to this

coverage being provided to you.

• Fees or costs associated with the use of any investigative

agencies or private investigators.

• Any loss that is not a direct result of identity fraud.

• Theft or damages of traveler’s checks, tickets of any kind,

negotiable instruments, cash or its equivalent, passports, or

any documents.

• Authorized charges that you have disputed based on the

quality of goods or services.

• Authorized account transactions or trades that you have

disputed, or are disputing, based on the execution (or non-

execution) of electronic transfers, trades or other verbal or

written instructions or directions.

E. What to do if you’re a victim of identity fraud:

• Call 1-877-288-6784 upon discovery of identity fraud to

report the incident;

• Contact all major credit bureaus (Experian, Equifax,

TransUnion, etc.) immediately after discovery of identity

fraud to place a fraud alert on your credit report;

• File a police report in your local jurisdiction;

• File a complaint with the Federal Trade Commission (FTC).

You may be requested to ﬁle a report with other agencies as

necessary;

• Follow all procedures for recovery and reasonable requests

for information and assistance at all institutions affected;

• Maintain a copy of all receipts, bills or other records

that support your claim for an Identity Fraud Expense

Reimbursement payment. These records shall be kept in

such manner that can accurately determine the amount of

any loss;

• Take any other reasonable steps available to protect your

identity from any further fraudulent use.

F. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must inform us or our administrator of an

identity fraud case no later than sixty (60) days from the date of

discovery.

• Submit the following documentation within one hundred and

eighty (180) days after close of your identify fraud case or

the claim may not be honored.

• Proof that a fraud alert was placed with each of the major

credit bureaus (Experian, Equifax, TransUnion, etc.)

immediately after discovery of identity fraud.

• Copy of a police report from your local jurisdiction.

• Copy of results of any settlement or denial from credit

card companies, banks, creditors, collection agencies,

etc. concerning your identity fraud claim.

• Copy of the complaint ﬁled with the Federal Trade

Commission (FTC).

• Copy of all receipts, bills or other records that support

your claim for an Identity Fraud Expense Reimbursement

payment.

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Note: Identity Fraud Expense Reimbursement is not available

to residents of the state of New York.

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 1-877-288-6784. 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 USD 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 USD 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 1-877-288-6784

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 prenegotiated. 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 1-877-288-6784, as many rental agencies have special

procedures regarding emergency road service assistance.

MasterRental Coverage

Evidence of Coverage

Pursuant to the below terms and conditions, when you rent

a vehicle for thirty-one (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 thirty-one (31) consecutive days. Rental periods that

exceed or are intended to exceed thirty-one (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:

1. You or an authorized driver’s primary auto insurance;

Collision/damage waiver provided to you by the rental agency;

3. Any other collectible insurance;

4. 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:

a) This EOC is prohibited by that country’s law; or

b) 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:

a) The actual repair amount;

b) Wholesale market value less salvage and depreciation;

c) The rental agency’s purchase invoice less salvage and

depreciation.

In addition, coverage is limited to $500 USD 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 thirty-one (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 www.mycardbeneﬁts.com or call 1-877-288-6784 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.

Worldwide Automatic Travel Accident,

Baggage Delay & Trip Cancellation/

Interruption Insurance

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) has 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 $1,000,000 USD 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 USD 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.

TRIP CANCELLATION / INTERRUPTION

In the event of the Insured Person’s Trip Cancellation or

Trip Interruption, we will pay up to the Trip Cancellation/Trip

Interruption Beneﬁt Amount of $1,500 USD. Our payment

will not exceed either: 1) the actual Non−Refundable

amount paid by the Insured Person for a Common Carrier

passenger fare(s); or 2) $1,500 USD. The Insured Person

will relinquish to us any unused vouchers, tickets, coupons

or travel privileges for which we have reimbursed the Insured

Person. The Trip Cancellation or Trip Interruption of the

Insured Person must be caused by or result from: 1) death,

Accidental injury, disease or physical illness of the Insured

Person or an Immediate Family Member of the Insured

Person; or 2) default of the Common Carrier resulting from

Financial Insolvency. The death, Accidental injury, disease

or physical illness must be veriﬁed by a Physician and must

prevent the Insured Person from traveling on a Covered

Trip. With respect to Financial Services Common Carrier Trip

Cancellation/Trip Interruption only, this insurance does not

apply to loss caused by or resulting from: 1) a Pre−Existing

Condition; or 2) Accidental Bodily Injuries arising from

participation in interscholastic or professional sports events,

racing or speed contests, or uncertiﬁed scuba diving; or 3)

cosmetic surgery, unless such cosmetic surgery is rendered

necessary as a result of a loss covered under this policy; or

4) the Insured or an Immediate Family Member being under

the inﬂuence of drugs (except those prescribed and used as

directed by a Physician) or alcohol; or 5) the Insured or an

Immediate Family Member: a) traveling against the advice

of a Physician; or b) traveling while on a waiting list for

speciﬁed medical treatment; or c) traveling for the purpose

of obtaining medical treatment; or d) traveling in the third

trimester (seventh month or after) of pregnancy. Covered Trip

means travel on a Common Carrier when the entire cost of

the passenger fare for such transportation, less redeemable

certiﬁcates, vouchers or coupons, has been charged to an

Insured Person’s Account issued by the Policyholder. Covered

Trip also means travel on a Common Carrier when free ﬂights

have been awarded from frequent ﬂier or points programs

provided that all of the miles or points were accumulated

from charges on that card.

Financial Insolvency means the inability of the entity to

provide travel services because it has ceased operations

either following the ﬁling of a petition for bankruptcy,

whether voluntary or involuntary, or because it has ceased

operations as a result of a denial of credit or the inability to

meet ﬁnancial obligations. Non−refundable means amount

of money paid by or on behalf of the Insured Person for

a Covered Trip which will be forfeited under the terms of

the agreement made with the Common Carrier for unused

travel arrangements and for which a travel agent or travel

supplier will not provide any other form of compensation.

Immediate Family Member means the Insured Person’s: 1)

Spouse or Domestic Partner; 2) children, including adopted

children or stepchildren; 3) legal guardians or wards; 4)

siblings or siblings−in−law; 5) parents or parents−in−law; 6)

grandparents or grandchildren; 7) aunts or uncles; 8) nieces

and nephews. Immediate Family Member also means a

Spouse’s or Domestic Partner’s children, including adopted

children or stepchildren; legal guardians or wards; siblings

or siblings−in−law; parents or parents−in−law; grandparents

or grandchildren; aunts or uncles; nieces or nephews. Pre−

Existing Condition means Accidental injury, disease or illness

of the Insured Person or Immediate Family Member of the

Insured Person which occurs or manifests itself during the

sixty (60) day period immediately prior to the purchase date

of a Common Carrier passenger fare(s). Disease or illness

has manifested itself when: 1) medical care or treatment has

been given; or 2) there exists symptoms which would cause

a reasonably prudent person to seek medical diagnosis,

care or treatment. The taking of prescription drugs or

medication for a controlled condition throughout this sixty

(60) day period will not be considered to be a manifestation

of illness or disease. Trip Cancellation means the cancellation

of Common Carrier travel arrangements when the Insured

Person is prevented from traveling on a Covered Trip on or

before the Covered Trip departure. Trip Interruption means

the Insured Person’s Covered Trip is interrupted either on

the way to the point of departure or after the Covered Trip

departure. With respect to Financial Services Common Carrier

Trip Cancellation/Trip Interruption only, the Disease or Illness

Exclusion # 1 below does not apply.

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 1-877-288-6784. 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.

Answers to speciﬁc questions can be obtained by writing the

Plan Administrator: Direct Marketing Group 13265 Bedford

Avenue, Omaha, NE 68164

Plan Underwritten By Federal Insurance Company a member

insurer of the Chubb Group of Insurance Companies

9931 South 136th Street, Suite 100, Omaha, NE 68138

Lost or Damaged Luggage

Evidence of 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 pay the entire cost of the common carrier ticket(s)

with your covered card and/or accumulated points from your

covered card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost of repairing or replacing

your checked or carry-on luggage and personal property

contained therein that is lost or damaged.

• Coverage begins when the luggage is checked in or carried

on to the common carrier by you. This includes curbside

check in with facility designated personnel.

• Coverage ends each time you regain possession of the

checked luggage from, or carry the luggage off of the

common carrier or twenty-four (24) hours after you depart

from the common carrier, whichever comes ﬁrst.

• Coverage is secondary to any other applicable insurance

or coverage available to you including beneﬁts provided by

the common carrier (including, but not limited to, goodwill

payments, refunds, credit/vouchers). Coverage is limited

to only those amounts not covered by any other insurance

or coverage, or common carrier beneﬁts (including, but not

limited to, goodwill payments, refunds, credit/vouchers).

C. Coverage limitations:

Coverage is limited to the actual cost, up to $1,500 USD per

incident of repairing or replacing your checked and/or carry-

on luggage and any personal property contained within. There

is a maximum of two (2) claim(s) per twelve (12) month

period.

D. Where you are covered:

Coverage applies worldwide.

E. What is NOT covered:

• Loss or damage of luggage or personal property for regularly

scheduled short-distance travel under one hundred (100)

miles.

• Loss or damage resulting from any dishonest, fraudulent, or

criminal act committed or arranged by you.

• Loss resulting from war or hostilities of any kind (including,

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); conﬁscation, expropriation or

detention by any government, public authority, or customs

ofﬁcial; illegal activity or acts.

• Loss resulting from contamination by radioactive or

hazardous substances, including mold.

• Sporting equipment or musical instruments, unless checked

in as luggage with the common carrier and for which a claim

check has been issued.

• Electronic equipment (including, but not limited to, laptops,

PDAs, video/ﬁlm cameras, or hearing aids).

• Eyeglasses, contact lenses, prosthetic devices, dentures,

silverware, furs, household furniture, or documents

(including, but not limited to, visas and IDs).

• Plants, shrubs, animals, consumables, and perishables.

• Traveler’s checks, tickets of any kind (e.g., for airlines,

sporting events, concerts, or lottery), negotiable instruments,

bullion, rare, or precious metals, stamps, and coins,

currency or its equivalent.

• Jewelry, art, used or antique items; collectibles of any kind

(such as items designed for people to collect or items that

over time become collectibles); recycled, previously owned,

refurbished, rebuilt, or remanufactured items.

• Defective material or workmanship, ordinary wear and tear

or normal deterioration.

• Loss or damage not reported within the time period required,

as stipulated in the claim procedure.

• Loss or damage where the common carrier completely

denies a claim for checked and/or carry-on luggage.

• Items excluded under the common carrier’s coverage

(except carry-on luggage).

• Loss or damage where the common carrier pays the claim in

full or repairs the damage.

• Interest or conversion fees that are charged to your covered

card by the ﬁnancial institution.

F. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call

1-877-288-6784

open a claim. You must report the claim within sixty (60)

days of the incident or the claim may not be honored.

• Report within twenty-four (24) hours any loss or damage to

the common carrier.

• Submit the following documentation within one hundred and

eighty (180) days of the date of incident or the claim may

not be honored:

o Receipt showing the purchase of common carrier tickets.

o Statement showing the purchase of common carrier tickets.

o Copy of initial claim report submitted to the common carrier.

o Covered card travel point program statement showing the

common carrier ticket was paid for with redeemed points.

o Report from police, if applicable.

o The result of any settlement by the common carrier.

o Receipts showing that your luggage or personal property

has actually been repaired or replaced.

Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Account and Billing Information

Important: Contact your card-issuing ﬁnancial institution

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. Your ﬁnancial institution’s phone number should be

available on your monthly billing statement or on the back of

your card.

Reminder: Please refer to the Legal Disclosure section.

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.

Capital One Bank (USA), N.A. and Capital One, N.A., including their respective

afﬁliates, are not responsible for the products or services herein offered.

BR406933 M-127096

Beneﬁt Contact Information

For questions on each beneﬁt, including how to use them, use the following

phone numbers and websites:

Purchase Assurance

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Price Protection

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Extended Warranty

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Cellular Wireless Telephone Protection

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Concierge Services

For more information call 1-877-288-6784.

Mastercard ID Theft Protection™

For more information call 1-877-288-6784.

Identity Fraud Expense Reimbursement

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Travel Assistance Services

For more information call 1-877-288-6784.

MasterRental Coverage

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Worldwide Automatic Travel Accident, Baggage Delay,

& Trip Cancellation/Interruption Insurance

For more information call 1-877-288-6784 or visit www.myclaimsagent.com.

Lost or Damaged Luggage

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.