Document 6439424

Transcription

Document 6439424

132497_USAA_WorldGTB.qxd
t
se.
e claim.
urance
s.
n each
overage
Page 1
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
WC-USAA-GTB-08
Guide to
Benefits
Important information. Please read and save.
This Guide to benefits contains detailed information about extensive travel,
insurance, and retail protection services you can access as a preferred
cardholder. These programs and coverages apply to travel and retail purchases
made on or after April 15, 2008. 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 1-800-MC-ASSIST,
or en Español: 1-800-633-4466.
“Card” refers to World MasterCard® card and “Cardholder”
refers to a World MasterCard® cardholder.
World MasterCard Guide to Benefits
Benefits that are always with you
Schawk
located at MasterCard
2000 Purchase Street
Purchase, NY 10577
914.249.5022
6-0608
World MasterCard® Cardholder Benefits
File name: 130664_Wrld_USAA_GTB_8p_v4.qxd
Job No: 8-130664
Date: 04/07/08
Version: MECH
Project Manager: Raymond Lupoli
een the
such
and
Electronic file size: 100% of actual size (22.25”W x 6.5”H)
Print size is 100% of actual size (22.25”W x 6.5”H)
Varnish Instructions: None
Special Instructions: None
cover
der
other
hat
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Live area: 21.875”W x 5.875”H Bleed: none
Colors: 4C plus PMS 5835
All photos are Hi-res
Fonts: Frutiger, Helvetica, Symbol
Applications: Quark, Illustrator, Photoshop
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EXTENDED WARRANTY
World MasterCard® cardholders can benefit from the security and safety offered through Extended
Warranty coverage. Extended Warranty is an insurance program.
Key term:
> You or yours means World MasterCard cardholder.
To get coverage:
> You must purchase the new item entirely with your World MasterCard card for yourself or to give as a gift.
> The item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months
or less.
> The original purchase does not have to be registered to receive this benefit.
The kind of coverage you receive:
> Extended Warranty doubles the original warranty time period and duplicates the coverage of the
original manufacturer’s (or U.S. store brand) warranty up to a maximum of twelve (12) months
on most items you purchase. For products with multiple warranty components, each warranty
time period will be duplicated up to a maximum of twelve (12) months. Should you fail to properly
register the original warranty as required by the manufacturer, Extended Warranty will only double
the actual warranty time period that you receive from the manufacturer. 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 twelve (12) months or less
on your item, Extended Warranty will cover up to an additional twelve (12) 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
twelve (12) months, this coverage does not apply.
> If you do not have an additional service contract or an optional extended warranty, the Extended
Warranty benefit commences the day after your original manufacturer’s (or U.S. store brand)
warranty expires.
Coverage limitations:
> The maximum Extended Warranty benefit for repair or replacement shall not exceed the actual
amount charged on your World MasterCard card or $10,000, whichever is less.
> If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers
more than twelve (12) months, Extended Warranty benefits will not apply.
> The 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.
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 (for example, glass breakage);
or “satisfaction guaranteed” items.
> 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, 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.
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
> Mechanical failure arising from product recalls.
> Trip, service, or diagnostic charges in the absence of any covere
> Loss resulting from war or hostilities of any kind (including, but n
rebellion, insurrection, riot, or civil commotion); confiscation or da
authority, or customs official; risks of contraband; illegal activity o
> Mechanical failures caused by normal wear and tear or gradual de
occurred.
> Items purchased for resale, professional, or commercial use.
> Mechanical failures caused by lack of maintenance/service.
> Losses caused by power surge; or contamination by radioactiv
including mold.
How to file a claim for Extended Warranty coverage
> Call 1-800-MC-ASSIST to request a claim form. You must repor
of the failure or the claim may not be honored.
> Submit the following documentation within ninety (90) days from
not be honored:
> Completed and signed claim form.
> World MasterCard receipt showing covered item.
> World MasterCard statement showing covered item.
> Itemized purchase receipt.
> 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 pro
> Any other documentation that may be reasonably requested to
Reminder: Please refer to the Final Legal Disclosure section. E
PURCHASE ASSURANCE COVERAG
MasterCard cardholders can benefit from the security and safety off
Coverage. If something you bought with your World MasterCard card
(90) days of purchase, you may be eligible for benefits under this co
insurance program.
Key terms:
> You or Yours means World MasterCard cardholder.
> Stolen means items that are taken by force and/or under dures
from a known place under circumstances that would indicate th
> Damage means items that can no longer perform the function t
service due to broken parts, material or structural failures.
To get coverage:
> You must purchase the new item entirely with your MasterCard c
> Original purchase does not have to be registered to receive this
> Most items you purchase entirely with your MasterCard card are
within ninety (90) days from the date of purchase as indicated o
> Items you purchase with your MasterCard card and give as gifts
> This coverage is secondary to any other applicable insurance or
gift recipient. Coverage is limited to only those amounts not cov
coverage benefit.
> Coverage is limited to the actual cost of the item (excluding deli
> Coverage is limited to a maximum of $1,000 per claim and a to
account, per twelve (12) month period.
> Purchases that are made up of a pair or set will be limited to th
the specific item stolen or damaged. If the specific item cannot
the value of the pair or set will be covered, not to exceed the lim
> Coverage for stolen or damaged jewelry or fine art will be limite
listed on your credit card statement, regardless of sentimental o
> Items left in public sight, out of arm’s reach, lacking care, custo
cardholder or responsible party.
C-ASSIST
xtended
ve as a gift.
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onths
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oth the
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eakage);
motorcycles,
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alled
or
any kind,
port line;
ware, DVDs,
whether or
hurricane,
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> 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,
> Lost items, and items that mysteriously disappear (the
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; or contamination by radioactive or hazardous substances,
including mold.
places of employment, schools, or places of worship)
another party. “Due diligence” means the performance
that would be taken by a reasonable and prudent per
order to guard and protect the item.
> Items lost, stolen, damaged, or mis-delivered while u
another party or common carrier (including, but not l
UPS, FedEx, or other delivery services).
> Losses due to normal wear and tear, misuse, gradua
> Losses resulting from any dishonest, fraudulent, or c
> Losses that cannot be verified or substantiated.
> Items covered by a manufacturer’s recall or class ac
> Items that you damage through alteration (including,
> Used or antique items; collectibles of any kind (such
items that over time become collectibles); recycled, p
remanufactured items.
> Stolen items without documented report from the po
> Items that are damaged during transport via any mo
> Items stolen from the interior or exterior of a watercr
any other motor vehicle.
> Motorized vehicles, including, but not limited to, auto
motorcycles, or their motors, equipment, or accessor
transportation and used solely for the upkeep and m
coverage (including, but not limited to, snow thrower
> Land, any buildings (including, but not limited to, hom
> Travelers cheques, tickets of any kind (for example, f
lotteries), negotiable instruments, bullion, rare or pre
or its equivalent.
> Losses caused by insects, animals, or pets.
> Plants, shrubs, animals, pets, consumables, and per
> Items purchased for resale, rental, professional, or co
> Professional services (including, but not limited to, th
maintenance; repair or installation of products, good
kind, including, but not limited to, information/service
support line; or technical support for software, hardw
> Application programs, computer programs, operating
> Losses resulting from war or hostilities of any kind (i
terrorism, rebellion, insurrection, riot, or civil commot
government, public authority, or customs official; risk
> Losses caused by power surge, contamination by radioa
> Losses caused by inherent product defects or pre-ex
> Direct or indirect losses resulting from any Acts of G
hurricane, lightning, and earthquake).
> Losses caused by liquids, fluids, oils, chemicals, or b
> Indirect or direct damages resulting from a covered l
> Game animals, pets, or specimens preserved for display
> Items stolen or damaged at a new home constructio
> Rented, leased, or borrowed items for which you will
How to file a claim for Extended Warranty coverage:
> Call 1-800-MC-ASSIST to request a claim form. You must report the claim within thirty (30) days
of the failure or the claim may not be honored.
> Submit the following documentation within ninety (90) days from the date of failure or the claim may
not be honored:
> World MasterCard receipt showing covered item.
> World MasterCard statement showing covered item.
> 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 to validate a claim.
Reminder: Please refer to the Final Legal Disclosure section. EW-1 (12-04)
PURCHASE ASSURANCE COVERAGE
MasterCard cardholders can benefit from the security and safety offered through Purchase Assurance
Coverage. If something you bought with your World MasterCard card is damaged or stolen within ninety
(90) days of purchase, you may be eligible for benefits under this coverage. Purchase Assurance is an
insurance program.
Key terms:
> You or Yours means World MasterCard cardholder.
> 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.
> 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.
To get coverage:
> You must purchase the new item entirely with your MasterCard card for yourself or to give as a gift.
> Original purchase does not have to be registered to receive this benefit.
> Most items you purchase entirely with your MasterCard card are covered if damaged or stolen
within ninety (90) days from the date of purchase as indicated on your MasterCard receipt.
> Items you purchase with your MasterCard 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.
> Coverage is limited to the actual cost of the item (excluding delivery and transportation costs).
> Coverage is limited to a maximum of $1,000 per claim and a total of $25,000 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.
> Items left in public sight, out of arm’s reach, lacking care, custody, or control by the MasterCard
cardholder or responsible party.
no physical evidence to show what happened to the it
> Items that are stolen from any location or place (inclu
How to file a claim under Purchase Assura
> Call 1-800-MC-ASSIST to request a claim form. You
of the loss or the claim may not be honored.
> Submit the following documentation within sixty (60)
> Proof of loss.
> Photograph clearly showing damage, if applicable
> MasterCard receipt showing purchase of covered
> MasterCard statement showing purchase of cover
SIST
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> Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there is
d failure.
on, terrorism,
ernment, public
o failure has
bstances,
hirty (30) days
or the claim may
ase Assurance
olen within ninety
Assurance is an
ance of the item
ft.
to do in normal
to give as a gift.
ed or stolen
receipt.
e to you or the
nsurance or
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. “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.
> 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 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 vehicle.
> 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 throwers, lawn mowers, and hedge trimmers).
> Travelers cheques, tickets of any kind (for example, for airlines, sporting events, concerts, or
lotteries), negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency
or its equivalent.
> Losses caused by insects, animals, or pets.
> 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.
> Losses caused by inherent product defects or pre-existing conditions.
> Direct or indirect losses 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.
> Indirect or direct damages resulting from a covered loss.
> Game animals, pets, or specimens preserved for display (for example, 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.
ation costs).
cardholder
How to file a claim under Purchase Assurance coverage:
> Call 1-800-MC-ASSIST to request a claim form. You must report the claim within thirty (30) days
replacement of
ually or repaired,
> Submit the following documentation within sixty (60) days of the date you report the claim:
> Proof of loss.
> Photograph clearly showing damage, if applicable.
> MasterCard receipt showing purchase of covered item.
> MasterCard statement showing purchase of covered item.
chase price as
ket value.
e MasterCard
of the loss or the claim may not be honored.
1-800-MC-ASSIST
1-800-MC-ASSIST
1-80
> Report from police listing items stolen.
> Copy of the declarations page of any applicab
limited to, homeowner’s, renter’s, or auto insu
> Any other documentation that reasonably may
Reminder: Please refer to the Final Legal Disclo
TRAVEL ASSISTANCE SERVI
Rely on Travel Assistance Services when you’re away
guide to many important services you may need whe
or your travel companions when you’re traveling 50 m
especially when you visit a place for the first time or d
1-800-MC-ASSIST. Enrollment is automatic and the
Please keep in mind that you will be responsible for
emergency services requested of Travel Assistance
*Travel Assistance Services are available worldwide, wit
which may be involved in an international or internal c
the existing infrastructure is deemed inadequate to gu
embarking on a covered trip to confirm whether or not
MasterTrip® Travel Assistance
> Before you begin your trip, MasterTrip provides in
documentation (visas, passports), immunizations,
rate provided may differ from the exact rate that
Information on exchange rates for items billed on
financial institution that issued your card. MasterT
travel materials, including luggage. This is not an
we do not reimburse you for a permanent loss.
> If you have a travel emergency and need cash, M
$5,000 from a family member, friend, or busines
> This service does not provide maps or informatio
Travel Services Medical Assistance
> Provides a global referral network of general phys
We also can help you refill prescriptions with loca
> In the event of emergencies, a stateside physicia
with the local medical staff and to monitor your c
arrange to have messages relayed home, transfe
or have a family member or close friend brought
alone (at cardholder’s expense). If a tragedy occu
arrangements for you and your travel companion
MasterLegal® Referral Service
> Provides you with English-speaking legal referrals
and consulates regarding your situation.
> Will assist in transfers of up to $5,000 in cash fr
cover legal fees or to post bail. There is no charg
fees are your responsibility.
Reminder: Please refer to the Final Legal Disclo
MASTER ROADASSIST SE
®
> If your car breaks down on the road while you ar
District of Columbia, just call 1-800-MC-ASSIST
> We’ll send someone to the rescue. This is not on
money because fees for many services (jump-sta
pre-negotiated. Road service fees will be automa
> You are responsible for emergency road service c
responding to your dispatch, even if you are not w
arrives. MasterCard International is not responsib
provides. Towing facilities are independent contra
> Emergency road service is not available in areas
accessible by ordinary towing vehicles, or for ove
vehicles-in-tow.
800-MC-ASSIST
ned or there is
a wrongful act.
se facilities,
ce by you or
veness, and care
cumstances in
control of
ostal Service,
anged by you.
wing, shaping).
e to collect or
, rebuilt, or
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> Report from police listing 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 reasonably may be requested to validate a claim.
Reminder: Please refer to the Final Legal Disclosure section. PA-1 (12-04)
TRAVEL ASSISTANCE SERVICES
Rely on Travel Assistance Services when you’re away from home. Travel Assistance Services are 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 you visit a place for the first time or do not speak the language. For services, call
1-800-MC-ASSIST. 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 (for example, 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).
automobile, or
MasterTrip® Travel Assistance
> Before you begin your trip, MasterTrip provides information on travel requirements, including
craft, and
t designed for
eligible for
rimmers).
ntly installed
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 also will 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.
oncerts, or
ins, currency
of labor or
dvice of any
y help or
).
e.
nvasion,
by any
ty or acts.
, including mold.
to, flood,
Travel Services Medical Assistance
> Provides a global referral network of general physicians, dentists, hospitals, and pharmacies.
he claim:
1-800-MC-ASSIST
1-800-MC-AS
> If you have a rental vehicle, be sure to call the car rental
as many rental agencies have special procedures regard
Reminder: Please refer to the Final Legal Disclosur
IDENTITY THEFT RESOLUTION
This coverage and description supersedes any coverage
earlier. Please read and retain for your records.
Coverage is effective April 15, 2008. For questions abo
the back of your World MasterCard card.
What are Personal Identity Theft Resolution
Personal Identity Theft Resolution Services provides you
resolution services, should you believe you are a victim
Who is eligible for this coverage?
To be eligible for this coverage, you must be a valid car
eligible World MasterCard, and who resides in the Unite
How can I access these services?
Simply contact 1-800-MC-ASSIST if you believe you ha
What are the services provided?
Services provided are on a 24-hour basis, 365 days a y
> Providing the cardholder with a uniform Identity Theft
completion of the Affidavit. It is the responsibility of t
proper authorities, credit bureaus, and creditors.
> Notifying all three major credit reporting agencies to
cardholder and placing an alert on the cardholder’s r
> Assisting the cardholder with credit and charge card
> Educating the cardholder on how Identity Theft can o
further occurrences.
> Providing the cardholder with the Identity Theft Reso
> Providing the cardholder with sample letters for use
other accounts.
Is there a charge for these services?
We also can 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).
No, your Financial institution provides these to you at no
MasterLegal® Referral Service
> Provides you with English-speaking legal referrals or consultations with appropriate embassies
Program provisions for personal identity th
and consulates regarding your situation.
> Will assist in transfers of 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.
Reminder: Please refer to the Final Legal Disclosure section.
es, or mammals).
n thirty (30) days
1-800-MC-ASSIST
MASTER ROADASSIST SERVICE
®
> If your car breaks down on the road while you are traveling in the 50 United States or the
District of Columbia, just call 1-800-MC-ASSIST 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 (jump-starts, towing, gas delivery, tire changes) are
pre-negotiated. Road service fees will be automatically billed to your MasterCard Card account.
> You are responsible for emergency road service charges incurred by towing facilities
responding to your dispatch, even if you are not with your car (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
vehicles-in-tow.
When are services not provided?
> When it is determined you have committed any disho
> When your financial institution or card issuer, which p
event and deemed you are responsible for the charg
> When any theft or unauthorized use of an account by
entrusted has been committed.
This service applies only to you, the primary eligible Wo
due diligence and do all things reasonable to avoid or d
protected by the program.
The provider, Europe Assistance U.S.A., Inc., relies on the
declaration from each cardholder. This service is provide
at no additional cost and is in effect for acts occurring w
conditions contained in this program guide may be modi
Modifications to the terms and conditions may be provid
inserts, or statement messages. MasterCard or your fina
these services, and if we do, we will notify you at least th
non-renews or cancels any services provided to eligible W
notified within 30–120 days before the expiration of the
substantially similar coverage takes effect without interru
general questions regarding these services, please conta
MASTERRENTAL INSURANCE
World MasterCard cardholders can benefit from the secur
Insurance. If you rent a vehicle for thirty-one (31) consecut
card, you may be eligible for benefits under this coverage.
MC-ASSIST
1-800-MC-ASSIST
cluding, but not
6/2/08
2:54 PM
Page 2
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
> If you have a rental vehicle, be sure to call the car rental agency before you call 1-800-MC-ASSIST,
as many rental agencies have special procedures regarding emergency road service.
Reminder: Please refer to the Final Legal Disclosure section.
aim.
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IDENTITY THEFT RESOLUTION SERVICES
This coverage and description supersedes any coverage and description you may have received
earlier. Please read and retain for your records.
Coverage is effective April 15, 2008. For questions about your service, please call the number on
the back of your World MasterCard card.
What are Personal Identity Theft Resolution Services?
Personal Identity Theft Resolution Services provides you with access to a number of Identity Theft
resolution services, should you believe you are a victim of Identity Theft.
Who is eligible for this coverage?
To be eligible for this coverage, you must be a valid cardholder, whose name is embossed on an
eligible World MasterCard, and who resides in the United States.
How can I access these services?
Simply contact 1-800-MC-ASSIST if you believe you have been a victim of Identity Theft.
What are the services provided?
Services provided are on a 24-hour basis, 365 days a year. They include:
> Providing the cardholder with a uniform Identity Theft Affidavit and providing assistance with
completion of the Affidavit. It is the responsibility of the cardholder to submit the Affidavit to the
proper authorities, credit bureaus, and creditors.
> Notifying all three major credit reporting agencies to obtain a free credit report for the
cardholder and placing an alert on the cardholder’s record with the agencies.
> Assisting the cardholder with credit and charge card replacement.
> Educating the cardholder on how Identity Theft can occur and of protective measures to avoid
further occurrences.
> Providing the cardholder with the Identity Theft Resolution Kit.
> Providing the cardholder with sample letters for use in canceling checks, ATM cards, and
other accounts.
Is there a charge for these services?
No, your Financial institution provides these to you at no extra cost.
When are 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 for 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 personal identity theft services
This service applies only to you, the primary eligible World 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, Europe Assistance U.S.A., Inc., relies on the truth of statement made in the Affidavit or
declaration from each cardholder. This service is provided to eligible World 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 World 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 1-800-MC-ASSIST.
MASTERRENTAL INSURANCE
World MasterCard cardholders can benefit from the security and safety offered through MasterRental®
Insurance. If you rent a vehicle for thirty-one (31) consecutive days or less with your World MasterCard
card, you may be eligible for benefits under this coverage. MasterRental is an insurance program.
1-800-MC-ASSIST
1-800-MC-ASSIST
Key terms:
To get coverage:
> Initiate and pay for the entire rental agreement/cont
considered rental charges) with your World MasterC
promotion/discount of any kind is initially applied tow
one (1) day of rental must be billed to your World Ma
> You must decline the Collision/Damage Waiver offere
> You must rent the vehicle in your own name and sig
> Your rental agreement/contract must be for a rental
less. Rental periods that exceed, or are intended to e
not covered.
> You must rent a vehicle (including minivans and sport
accommodate nine passengers or fewer) that is intend
tarmac. Rented vehicles must have a manufacturer’s s
> MasterRental will pay for covered damages on a sec
authorized driver is, legally responsible to the rental
> Covered damages include:
> Physical damage to and theft of the vehicle, not to
> Reasonable loss-of-use charges imposed by the v
of time the rental vehicle is out of service. Loss-o
a location- and class-specific fleet utilization log.
> Reasonable towing charges to the nearest factory
> If you have, or an authorized driver’s primary automo
made payments for a covered loss, MasterRental wi
eligible amounts not covered by other insurance.
> Coverage is secondary to any other applicable insur
is limited to only those amounts not covered by any
Note: In certain parts of the United States and Canada
your personal vehicle insurance policy liability section m
means that you may not receive any benefits from this
provider for full coverage details pertaining to your pers
> If you have no other insurance or your insurance doe
outside the United States, MasterRental is considere
> This coverage is not all-inclusive, which means it do
personal liability, or personal property. It does not co
property. It does not cover you for any injury to any p
Who is covered:
> The World MasterCard cardholder and those designa
as authorized drivers.
Excluded rental vehicles:
> All trucks, pickups, full-size vans mounted on truck c
recreational vehicles.
> Trailers, motorbikes, motorcycles, and any other veh
> Antique vehicles (vehicles that are more than 20 yea
least 10 years) or limousines.
> All sport utility trucks. These are vehicles that have b
flat-bed truck (including, but not limited to, the Chev
Escalade EXT).
> Any rental vehicle that has a manufacturer’s sugges
Where you are covered:
In general, coverage applies worldwide, but there are e
> You may be unable to receive benefits in Australia, Ire
Please contact your vehicle rental agency before you
> Coverage is not available where prohibited by law.
> MasterRental will pay the lesser of the actual repair
salvage), or $50,000 per incident for which the Wor
authorized driver is legally responsible to the rental a
SSIST
1-800-MC-ASSIST
00-MC-ASSIST,
.
have received
the number on
of Identity Theft
mbossed on an
y Theft.
sistance with
e Affidavit to the
for the
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cards, and
or fraudulent act.
nvestigated the
count has been
6/2/08
2:55 PM
Page 2
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
Key terms:
To get coverage:
> Initiate and pay for the entire rental agreement/contract (tax, gasoline, and airport fees are not
considered rental charges) with your World MasterCard card. If a rental company
promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least
one (1) day of rental must be billed to your World MasterCard card.
> You must decline the Collision/Damage Waiver offered by the vehicle rental company.
> You must rent the vehicle in your own name and sign the vehicle rental agreement/contract.
> Your rental agreement/contract must be for a rental period of thirty-one (31) consecutive days or
less. Rental periods that exceed, or are intended to exceed, thirty-one (31) consecutive days are
not covered.
> You must rent a vehicle (including minivans and sport utility vehicles that are designed to
accommodate nine passengers or fewer) that is intended for bound surfaces, such as concrete or
tarmac. Rented vehicles must have a manufacturer’s suggested retail price of $50,000 or less.
> MasterRental will pay for covered damages on a secondary basis for which you are, or any other
authorized driver is, legally responsible to the rental agency.
> Covered damages include:
> Physical damage to 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.
> Reasonable towing charges to the nearest factory-authorized collision repair facility.
> If you have, or an authorized driver’s primary automobile insurance or other indemnity has,
made payments for a covered loss, MasterRental will cover your deductible and any other
eligible amounts not covered by other insurance.
> 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.
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. Please contact your insurance
provider for full coverage details pertaining to your personal vehicle insurance policy.
> If you have no other insurance or your insurance does not cover you in territories or countries
outside the United States, MasterRental is considered the primary coverage.
> 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.
Who is covered:
> The World MasterCard cardholder and those designated in the vehicle rental agreement/contract
as authorized drivers.
You shall use
e to property
Excluded rental vehicles:
> All trucks, pickups, full-size vans mounted on truck chassis, campers, off-road vehicles, and other
n the Affidavit or
ard cardholders
t. The terms and
ements.
ings, statement
or non-renew
f the Provider
ers, you will be
event
cessary. For
> Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
> Antique vehicles (vehicles that are more than 20 years old or have not been manufactured for at
h MasterRental®
World MasterCard
ce program.
recreational vehicles.
least 10 years) or limousines.
> All sport utility trucks. These are vehicles that have been or can be converted to an open,
flat-bed truck (including, but not limited to, the Chevy Avalanche, GMC Envoy, and Cadillac
Escalade EXT).
> Any rental vehicle that has a manufacturer’s suggested retail price that exceeds $50,000.
Where you are covered:
In general, coverage applies worldwide, but there are exceptions:
> You may be unable to receive benefits in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.
Please contact your vehicle rental agency before you travel.
> Coverage is not available where prohibited by law.
> MasterRental will pay the lesser of the actual repair amount, current market value (minus
salvage), or $50,000 per incident for which the World MasterCard cardholder or any other
authorized driver is legally responsible to the rental agency.
1-800-MC-ASSIST
1-800-MC-ASSIST
1-80
> MasterRental will not pay for or duplicate the Coll
the rental agency.
> Any personal item stolen from the interior or exter
> A vehicle not rented by the World MasterCard car
World MasterCard account.
> Any person not designated in the rental agreemen
> Any obligations you assume other than that which
primary vehicle insurance or other indemnity polic
> Any violation of the written terms and conditions o
> Any loss that occurs while driving under the influence
> Losses involving the theft of the rental vehicle wh
produce the keys to the rental vehicle at the time
rental agency, as a result of negligence.
> Mechanical failures caused by wear and tear, grad
> Subsequent damages resulting from a failure to pr
> Blowouts or tire/rim damage that is not caused by
vehicle collision causing tire or rim damage.
> Rental vehicles for which Collision/Damage Waive
> Any damage that is of an intentional or non-accid
authorized driver(s) of the rental vehicle.
> Depreciation, diminishment of value, administrativ
rental company.
> Vehicles with a rental agreement/contract that exc
period of thirty-one (31) consecutive days from a
> Losses resulting from any kind of illegal activity.
> Damage sustained on any surface other than a bo
> Losses resulting from war or hostilities of any kind
terrorism, rebellion, insurrection, riot, or civil comm
government, public authority, or customs official;
> Any loss involving the rental vehicle being used fo
or livery conveyance.
> Indirect or direct damages resulting from a covere
> Theft of, or damage to, unlocked or unsecured ve
> Value-added tax, or similar tax, unless reimbursem
How to file a MasterRental Insurance cla
> Call 1-800-MC-ASSIST to request a claim form.
days of the loss, or the claim may not be honored
You may choose to assign your benefits under th
agency from which you rented your vehicle. Plea
further details.
> Submit the following documentation within one hu
the claim will not be honored:
> World MasterCard receipt showing the rental.
> World MasterCard statement showing the renta
> Rental agreement (front and back).
> Copy of valid driver’s license (front and back).
> Copy of the declarations page of any primary v
or insurance.
> Report from police verifying that the vehicle was
> Itemized repair estimate from a factory-authori
> Copy of the vehicle rental company promotion,
> Copy of the vehicle rental location- or class-sp
charges are being claimed. You must secure th
> Any other documentation that may be reasonab
Reminder: Please refer to the Final Legal Disclos
1-800-MC-ASSIST
rt fees are not
y
ehicle, at least
pany.
nt/contract.
secutive days or
ecutive days are
ed to
as concrete or
000 or less.
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nd New Zealand.
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any other
6/2/08
2:56 PM
1-800-MC-ASSIST
Page 2
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
> MasterRental will not pay for or duplicate the Collision/Damage Waiver coverage offered by
the rental agency.
> Any personal item stolen from the interior or exterior of a rental vehicle.
> A vehicle not rented by the World MasterCard cardholder or authorized user on a
World MasterCard account.
> Any person not designated in the rental agreement/contract as an authorized driver.
> Any obligations you assume other than that which are covered under MasterRental, or your
primary vehicle insurance or other indemnity policy.
> Any violation of the written terms and conditions of the rental agreement/contract.
> Any loss that occurs while driving under the influence of drugs or alcohol; racing or reckless driving.
> Losses involving the theft of the rental vehicle when the renter or 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 for which Collision/Damage Waiver coverage was accepted/purchased by you.
> Any damage that is of an intentional or non-accidental nature, caused by the renter or
authorized driver(s) of the rental vehicle.
> Depreciation, diminishment of value, administrative, or other fees charged by the vehicle
rental company.
> Vehicles with a rental agreement/contract 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.
> 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.
> Any loss involving the rental vehicle being used for hire, for commercial use, or as a public
or livery conveyance.
> Indirect or direct damages resulting from a covered claim.
> Theft of, or damage to, unlocked or unsecured vehicles.
> Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
How to file a MasterRental Insurance claim:
> Call 1-800-MC-ASSIST to request a claim form. You must report the claim within thirty (30)
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 1-800-MC-ASSIST for
further details.
> Submit the following documentation within one hundred eighty (180) days of the incident or
the claim will not be honored:
> World MasterCard receipt showing the rental.
> World MasterCard statement showing the rental.
> Rental agreement (front and back).
> Copy of valid driver’s license (front and back).
> Copy of the declarations page of any primary vehicle insurance and other valid coverage
or insurance.
> Report from police verifying that the vehicle was stolen, vandalized, or involved in a collision.
> Itemized repair estimate from a factory-authorized collision repair facility.
> Copy of the vehicle rental company promotion, if applicable.
> Copy of the vehicle rental location- or class-specific fleet utilization log, if loss of use
charges are being claimed. You must secure this log from the rental agency.
Reminder: Please refer to the Final Legal Disclosure section. MR-1 (12-04)
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-
TRIP CANCELLATION/INTERRU
World MasterCard cardholders can benefit from the sec
Cancellation/Interruption Insurance. When you purchase
carrier with your World MasterCard card, you, your spou
children are automatically covered for unrefundable com
Key terms:
> Dependent child(ren) means unmarried children, in
placed for adoption, and step-children, who are prim
maintenance and support and who are under the ag
insured; beyond the age of twenty-five (25) who are
challenged and incapable of self-support; or up to th
a full-time student at an institution of higher learning
> Common carrier means any licensed land, air, or wa
occupation or business is the transportation of person
> Covered loss means death, accidental injury, diseas
person or an immediate family member of the insure
carrier resulting from financial insolvency. The death
illness must be verified by a physician and must prev
on a covered trip.
> Covered trip means a trip, not to exceed 30 days, fo
than taxi) are charged to the insured person’s credit
> Financial insolvency means the inability of the enti
has ceased operations, either following the filing of a
voluntary or involuntary, or because it has ceased op
or the inability to meet financial obligations.
> Immediate family means the Insured Person’s (1) s
children or stepchildren; (3) legal guardians or wards
parents or parents-in-law; (6) grandparents or grand
and nephews. Immediate Family Member also mean
adopted children or stepchildren; legal guardians or
or parents-in-law; grandparents or grandchildren; au
> Non-refundable means the amount of money paid
covered trip which will be forfeited under the terms o
carrier for unused travel arrangements and for which
provide any other form of compensation.
> Pre-existing condition means accidental injury, dise
immediate family member of the insured person whi
sixty (60) day period immediately prior to the purcha
fare(s). Disease or illness has manifested itself when
given; or (2) there exist systems that would cause a
medical diagnosis, care, or treatment. The taking of
controlled condition throughout this sixty (60) day pe
manifestation of illness or disease.
> Trip cancellation means the cancellation of common c
person is prevented from traveling on a covered trip on
> Trip interruption means the insured person’s covere
the point of departure or after the covered trip depar
To get coverage:
> You must charge the entire cost of the passenger far
account, less redeemable certificates, vouchers, cou
frequent flier cards.
> If a covered cardholder must cancel or interrupt a tri
pay up to a maximum benefit of $1,500 to reimburs
common carrier expenses incurred.
> The cardholder must relinquish any unused vouchers
which he or she has been reimbursed.
> Covered trip means a trip, not to exceed 30 days, fo
taxi) are charged to the insured person’s credit card
C-ASSIST
ffered by
1-800-MC-ASSIST
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Page 2
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
TRIP CANCELLATION/INTERRUPTION INSURANCE
World MasterCard cardholders can benefit from the security and safety offered through Trip
Cancellation/Interruption Insurance. When you purchase your full fare on a licensed common
carrier with your World MasterCard card, you, your spouse, and your unmarried dependent
children are automatically covered for unrefundable common carrier expenses.
r.
, or your
less driving.
cannot
olice and/or
breakdown.
er damage.
sult of a
sed by you.
r or
ehicle
rental
r tarmac.
vasion,
by any
y or acts.
a public
w.
thirty (30)
ental
for
ncident or
coverage
a collision.
f use
Key terms:
> Dependent child(ren) means unmarried children, including adopted children, those children
placed for adoption, and step-children, who are primarily dependent upon the insured for
maintenance and support and who are under the age of twenty-five (25) and reside with the
insured; beyond the age of twenty-five (25) who are permanently mentally or physically
challenged and incapable of self-support; or up to the age of twenty-five (25), if classified as
a full-time student at an institution of higher learning.
> Common carrier means any licensed land, air, or water conveyance operated by those whose
occupation or business is the transportation of persons without discrimination and for hire.
> Covered loss means death, accidental injury, disease, or physical illness of the insured
person or an immediate family member of the insured person; or default of the common
carrier resulting from financial insolvency. The death, accidental injury, disease, or physical
illness must be verified by a physician and must prevent the insured person from traveling
on a covered trip.
> Covered trip means a trip, not to exceed 30 days, for which common carrier costs (other
than taxi) are charged to the insured person’s credit card account.
> 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.
> Immediate family means the Insured Person’s (1) spouse, (2) child(ren), 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 and uncles; (8) nieces
and nephews. Immediate Family Member also means spouse’s children, including legally
adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents
or parents-in-law; grandparents or grandchildren; aunts and uncles; nieces and nephews.
> Non-refundable means the 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.
> 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 common carrier passenger
fare(s). Disease or illness has manifested itself when: (1) medical care or treatment has been
given; or (2) there exist systems that 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.
To get coverage:
> You must charge the entire cost of the passenger fare(s) to your World MasterCard card
account, less redeemable certificates, vouchers, coupons, or free flights awarded from
> If a covered cardholder must cancel or interrupt a trip due to a covered loss, the policy will
pay up to a maximum benefit of $1,500 to reimburse the cardholder for non-refundable
common carrier expenses incurred.
> The cardholder must relinquish any unused vouchers, tickets, coupons, or travel privileges for
which he or she has been reimbursed.
> Covered trip means a trip, not to exceed 30 days, for which common carrier costs (other than
taxi) are charged to the insured person’s credit card account.
1-800-MC-ASSIST
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2:43 PM
Page 1
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
This insurance does not apply to loss caused by or resulting from:
> A pre-existing condition.
> Accidental bodily injuries arising from participation in
interscholastic or professional sports events, racing or speed
contests, or uncertified scuba diving.
> Cosmetic surgery, unless such cosmetic surgery is rendered
necessary as a result of a loss covered under this policy.
> The insured or an immediate family member being under the
influence of drugs (except those prescribed and used as
directed by a physician) or alcohol.
> The insured 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.
> Loss caused by or resulting from an insured person’s emotional trauma, mental or physical illness;
pregnancy, childbirth, or miscarriage; bacterial or viral infection; or bodily malfunctions, except
physical illness or disease that prevents the insured person from traveling on a covered trip.
This Exclusion does not apply to loss resulting from an insured person’s bacterial infection caused
by an accident or from accidental consumption of a substance contaminated by bacteria.
How to file a claim for Trip Cancellation/Interruption Insurance coverage:
> Call 1-800-337-2632, to request a claim form.
> Submit the following documentation within one hundred eighty (180) days of the incident or the
claim will not be honored:
> MasterCard statement showing purchase of the fare.
> Any other documentation that we may reasonably request.
> Answers to specific questions can be obtained by writing to the Plan Administrator:
Plan Administrator, DFS&A Insurance Agency, Inc., 80 West Upper Ferry Road,
Suite 5, PO Box 77358, Ewing, NJ 08628
Plan Underwritten By Federal Insurance Company, a member insurer of Chubb Group
of Insurance Companies.
WORLDWIDE AUTOMATIC TRAVEL ACCIDENT
AND BAGGAGE DELAY INSURANCE
World MasterCard cardholders can benefit from the security and safety offered through Worldwide
Automatic Travel Accident and Baggage Delay Insurance. If you charge the entire cost of travel
passenger fare to your World MasterCard card, you, your spouse, and your dependent child(ren)
automatically will be insured against accidental loss of life, limb, sight, speech, or hearing; and, if
your baggage is delayed, you will be reimbursed for the emergency purchase of essential items
up to a maximum of $300.
Key terms:
> 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.
> Commutation means travel between the insured person’s residence and regular place of employment.
> Baggage delay means a delay or misdirection of the cardholder’s property by a common
carrier for more than four (4) hours from the time when the cardholder arrives at the
destination on the cardholder’s ticket.
> Cardholder’s property means the cardholder’s baggage and personal property contained in
the baggage that has been checked in with a common carrier.
> Spouse includes a domestic partner who is at least 18 years of age and who, during the past
12 months (1) has been in a committed relationship with the primary cardholder, (2) has been
the cardholder’s sole spousal equivalent, (3) has resided in the same household as the
cardholder, and (4) has jointly been responsible with the cardholder for each other’s financial
obligations and who intends to continue the relationship indefinitely.
> Dependent child(ren) means unmarried children, including adopted children, those children
placed for adoption, and step-children, who are primarily dependent upon the insured for
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
maintenance and support and who are under the age of twenty-five
insured; beyond the age of twenty-five (25) who are permanently me
challenged and incapable of self support; or up to the age of twentya full-time student at an institute of higher learning.
> Benefit amount means the loss amount applicable at the time the e
fare(s) is charged to your World MasterCard card account. The loss m
of the accident.
> Member means a hand or foot.
> Loss means, with respect to a hand, complete severance throughout
joints of at least four fingers on the same hand; with respect to a foo
through or above the ankle joint. The insurer will consider it a loss of
are later reattached.
To get coverage:
> You must charge the entire cost of the passenger fare(s) to your Wo
account, less redeemable certificates, vouchers, coupons, or free fli
> If the entire cost of the passenger fare has been charged to your Wor
departure for the airport, terminal, or station, coverage also is provide
travel (including taxi, bus, train, or airport limousine, but not including
provided without a specific charge or commutation)–including such c
immediately (a) preceding your departure, directly to the airport, term
(b) while at the airport, terminal, or station; and (c) immediately follo
airport, terminal, or station of your destination.
> If the entire cost of the passenger fare has not been charged prior t
airport, terminal, or station, coverage begins at the time the entire c
passenger fare is charged to your World MasterCard card account.
> It is not necessary for you to notify the administrator or the insuranc
are purchased.
Travel Accident Insurance Benefit up to $1,000,000
$300 Baggage Delay Benefit
> The full benefit of $1,000,000 is payable for accidental loss of life, tw
of both eyes, speech and hearing, or any combination thereof.
> One-half of the benefit amount is payable for accidental loss of: one m
speech, or hearing.
> One-quarter of the benefit amount is payable for the accidental loss
finger of the same hand.
> The Baggage Delay amount is limited to $100 per day, per cardholde
three (3) days for a covered trip and at a destination other than the c
permanent residence.
> Coverage is in excess if any other insurance, indemnity, or reimburse
carrier are available to the insured person.
> The Loss of Life benefit will be paid to the beneficiary designated by
designation has been made, that benefit will be paid to the first surv
following order: a) your spouse, b) your children, c) your parents, d) y
and e) your estate.
> The insurer will pay the single largest applicable benefit amount. In n
request forms or multiple charge cards obligate the insurance compa
benefit amounts for any one loss sustained by any one individual ins
one accident.
> In the event of multiple deaths per credit card account arising from a
insurer’s liability for all such losses will be limited to a maximum limi
three times the applicable benefit amount for loss of life. Benefits wil
among the insured persons, up to the maximum limit of the insuranc
> Loss resulting from your emotional trauma, mental or physical illness
or miscarriage; bacterial or viral infection (except bacterial infection c
from accidental consumption of a substance contaminated by bacter
> Suicide, attempted suicide, or intentionally self-inflicted injuries.
> Declared or undeclared war, but war does not include acts of terroris
C-ASSIST
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maintenance and support and who are under the age of twenty-five (25) and reside with the
insured; beyond the age of twenty-five (25) who are permanently mentally or physically
challenged and incapable of self support; or up to the age of twenty-five (25), if classified as
a full-time student at an institute of higher learning.
> Benefit amount means the loss amount applicable at the time the entire cost of the passenger
fare(s) is charged to your World MasterCard card account. The loss must occur within one year
of the accident.
> Member means a hand or foot.
> Loss means, with respect to a hand, complete severance throughout or above the knuckle
joints of at least four fingers on the same hand; with respect to a foot, complete severance
through or above the ankle joint. The insurer will consider it a loss of a hand or foot even if they
are later reattached.
To get coverage:
> You must charge the entire cost of the passenger fare(s) to your World MasterCard card
account, less redeemable certificates, vouchers, coupons, or free flights awarded from
> If the entire cost of the passenger fare has been charged to your World MasterCard card prior to
departure for the airport, terminal, or station, coverage also is provided for common carrier
travel (including taxi, bus, train, or airport limousine, but not including courtesy transportation
provided without a specific charge or commutation)–including such common carrier travel
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 World MasterCard card account.
> It is not necessary for you to notify the administrator or the insurance company when tickets
are purchased.
Travel Accident Insurance Benefit up to $1,000,000
$300 Baggage Delay Benefit
> The full benefit of $1,000,000 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.
> One-quarter of the benefit amount is payable for the accidental loss of the thumb and index
finger of the same hand.
> The Baggage Delay amount is limited to $100 per day, per cardholder up to a maximum of
three (3) days for a covered trip and at a destination other than the cardholder’s location of
permanent residence.
> Coverage is in excess if any other insurance, indemnity, or reimbursements from the common
carrier are available to the insured person.
> 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) your spouse, b) your children, c) your parents, d) your brothers and sisters,
and e) your estate.
> The insurer will pay the single largest applicable benefit amount. In no event will duplicate
request forms or multiple charge cards obligate the insurance 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 deaths per credit card account arising from any one accident, the
insurer’s liability for all such losses will be limited to a maximum limit of insurance equal to
three times the applicable benefit amount for loss of life. Benefits will be proportionately divided
among the insured persons, up to the maximum limit of the insurance.
> Loss resulting from your emotional trauma, mental or physical illness; 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.
> Suicide, attempted suicide, or intentionally self-inflicted injuries.
> Declared or undeclared war, but war does not include acts of terrorism.
1-800-MC-ASSIST
1-800-MC-ASSIST
> An accident that occurs while you are inside, entering, or exiti
training as a pilot or crew member, but this exclusion does no
temporarily perform pilot or crew functions in a life-threatenin
> Essential items, including but not limited to, contact lenses, ey
teeth, dental bridges, or prosthetic devices; tickets, document
travelers checks, and valuable papers; or business samples.
> This coverage does not include commutation.
How to file a claim for Worldwide Automatic Trave
Delay Insurance coverage:
> Submit the following documentation within one hundred eight
> Claim check and lost baggage report.
> Receipts for any items purchased.
> Any other documentation that may reasonably be requeste
> Answers to specific questions can be obtained by writing to
Plan Administrator. DFS&A Insurance Agency, Inc., 80 Wes
PO Box 77358, Ewing, NJ 08628.
PRICE PROTECTION COVERAGE
World MasterCard cardholders can benefit from the security and
Protection coverage. If you find a lower price for something you
card within sixty (60) days of purchase, you may be eligible for b
Protection is an insurance program.
Key terms:
> Printed advertisements means advertisements appearing in
circular, or catalog that state the authorized dealer or store na
model number), and sale price. The advertisement must have
days after the date on which you purchased the product and
(advertisement must verify the same manufacturer and mode
> Non-auction Internet advertisements means advertisemen
non-auction Internet merchant with a valid tax identification n
have been posted within sixty (60) days after the date on whic
must be for the identical item (advertisement must verify sam
The printed version of the Internet advertisement must include
and customer service telephone number, as well as the item,
number, sale price, and date of publication.
> Auction (online or live) means a place or Internet site where
bids or price quotes; or where prices fluctuate based on the n
interested in purchasing, a product. (Examples include, but ar
and public or private live auctions.)
To get coverage:
> You must purchase the new item entirely with your World Mas
as a gift.
> You must see either a printed advertisement or a non-auction I
product (advertisement must verify the same manufacturer and
within sixty (60) days from the date of purchase as indicated o
> Your original purchase does not have to be registered to recei
> Most purchases you make entirely with your World MasterCar
days from the date of purchase indicated on your World Mast
between the price you paid and the lower price advertised.
> Items you purchase with your World MasterCard card and giv
> This coverage is secondary to any other applicable insurance
gift recipient, including benefits provided by the retailer (includ
exchanges, and store credits). Coverage is limited to only thos
SIST
1-800-MC-ASSIST
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> An accident that occurs while you are inside, entering, or exiting any aircraft while 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.
> Essential items, including but not limited to, contact lenses, eyeglasses, or hearing aids; artificial
teeth, dental bridges, or prosthetic devices; tickets, documents, money, securities, checks,
travelers checks, and valuable papers; or business samples.
> This coverage does not include commutation.
How to file a claim for Worldwide Automatic Travel Accident and Baggage
Delay Insurance coverage:
> Submit the following documentation within one hundred eighty (180) days of the incident or the
> Claim check and lost baggage report.
> Receipts for any items purchased.
> Any other documentation that may reasonably be requested.
> Answers to specific questions can be obtained by writing to the Plan Administrator:
Plan Administrator. DFS&A Insurance Agency, Inc., 80 West Upper Ferry Road, Suite 5,
PO Box 77358, Ewing, NJ 08628.
PRICE PROTECTION COVERAGE
World MasterCard cardholders can benefit from the security and safety offered through Price
Protection coverage. If you find a lower price for something you bought with your World MasterCard
card within sixty (60) days of purchase, you may be eligible for benefits under this coverage. Price
Protection is an insurance program.
Key terms:
> Printed advertisements means advertisements appearing in a newspaper, magazine, store
circular, or catalog that state the authorized dealer or store name, item (including make and
model number), and sale price. The advertisement must have been published within sixty (60)
days after the date on which you purchased the product and must be for the identical item
(advertisement must verify the same manufacturer and model number).
> 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 sixty (60) days after the date on which 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.
> Auction (online or live) means a place or Internet site where items are sold by means of price
bids or 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,
and public or private live auctions.)
To get coverage:
> You must purchase the new item entirely with your World MasterCard card for yourself or to give
as a gift.
> You must see either a printed advertisement or a non-auction Internet advertisement for the same
product (advertisement must verify the same manufacturer and model number) for a lower price
within sixty (60) days from the date of purchase as indicated on your World MasterCard receipt.
> Your original purchase does not have to be registered to receive this benefit.
> Most purchases you make entirely with your World MasterCard card are covered for sixty (60)
days from the date of purchase indicated on your World MasterCard receipt for the difference
between the price you paid and the lower price advertised.
> Items you purchase with your World MasterCard 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
1-800-MC-ASSIST
1-800-MC-ASSIST
1-80
other insurance, or coverag
not limited to, refunds, exch
> Coverage is limited to th
of the item (excluding ta
costs) and the advertised
There is a maximum of f
(12) month period.
What is NOT covered
> Any item purchased from
purpose is not the sale o
> Items purchased for resa
commercial use.
> Jewelry, art, used or ant
(such as items designed
over time become collec
refurbished, rebuilt, or re
> Customized/personalized, one-of-a-kind, or special-order item
> Layaway items; items returned to any store.
> Any items purchased from an auction.
> Items for which the printed advertisement or non-auction I
lower price was published more than sixty (60) days from
> Items advertised or shown as price quotes, bids, or final sa
Internet site.
> Items advertised in or as a result of “limited quantity,” “goi
outs”; or as “discontinued.”
> Printed advertisements or non-auction Internet advertisem
of your purchased item due to rebates, special offers, bonu
manufacturer’s coupons, or special financing.
> Professional services, including workmanship, installation,
technical support, and help-line support.
> Plants, shrubs, animals, pets, consumables, and perishable
> Motorized vehicles, including, but not limited to, automobile
motorcycles, or their motors, equipment, or accessories.
> Land, any buildings (including, but not limited to, homes an
items, fixtures, structures, or home improvement projects.
> Game animals, pets, or specimens preserved for display (f
or mammals).
> Travelers checks, tickets of any kind (for example: for airlin
or lotteries), negotiable instruments, bullion, rare or preciou
or the equivalent.
> Differences in price due to sales tax, storage, shipping, ha
or delivery.
> Differences in price due to foreign exchange rates or fluctu
How to file a claim under Price Protection cove
For a Printed Advertisement:
> Submit the following documentation within sixty (60) days
> Copy of the printed advertisement that shows the date
the product (advertisement must verify the same manuf
you bought), and sale price.
> World MasterCard receipt showing item purchased.
> World MasterCard statement showing item purchased.
> Any other documentation we may reasonably request.
> Once all required documentation is submitted and your cla
check for the price difference, up to a maximum of $250.
For a Non-Auction Internet Advertisement:
800-MC-ASSIST
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r
other insurance, or coverage, or retailer benefits (including, but
not limited to, refunds, exchanges, and store credits).
tificial
> Coverage is limited to the difference between the actual cost
e
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of the item (excluding taxes, storage, shipping, and handling
costs) and the advertised lower price, up to $250 per claim.
There is a maximum of four (4) claims per account per twelve
(12) month period.
> 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 more than sixty (60) 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,” or “close
outs”; or as “discontinued.”
> Printed advertisements or non-auction Internet advertisements that offer prices lower than that
of your purchased item due to rebates, special offers, bonuses, free items/giveaways,
manufacturer’s coupons, or special financing.
> Professional services, including workmanship, installation, professional advice/counseling,
technical support, and help-line support.
> Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and
motorcycles, or their motors, equipment, or accessories.
items, fixtures, structures, or home improvement projects.
> Game animals, pets, or specimens preserved for display (for example: fish, birds, reptiles,
or mammals).
> Travelers checks, tickets of any kind (for example: for airlines, sporting events, concerts,
or lotteries), negotiable instruments, bullion, rare or precious metals, stamps, coins, currency,
or the equivalent.
> Differences in price due to sales tax, storage, shipping, handling, postage, transportation,
or delivery.
> Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates.
How to file a claim under Price Protection coverage:
For a Printed Advertisement:
> Submit the following documentation within sixty (60) days of the advertisement’s publication:
> Copy of the printed advertisement that shows the date of the advertisement, retailer name,
the product (advertisement must verify the same manufacturer and model number as what
you bought), and sale price.
> Any other documentation we may reasonably request.
> Once all required documentation is submitted and your claim is verified, you will receive a
For a Non-Auction Internet Advertisement:
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-AS
> Submit the following documentation within sixty (60) days of t
> Copy of the non-auction advertisement that shows the date
address, retailer name, the product (the advertisement mus
and model number as what you bought), sale price, and, if
and other charges.
> Any other documentation that may be reasonably requested
> Once all required documentation is submitted and your claim
Reminder: Please refer to the Final Legal Disclosure section
MASTERCARD GLOBAL SERVICE
MasterCard Global Service provides worldwide, 24-hour assistan
Reporting, Emergency Card Replacement, and Emergency C
Call MasterCard Global Service immediately to report your card l
the account. If you need to make purchases or arrange for a cas
approval, you can receive a temporary card the next day in the U
business days almost everywhere else.
Remember, if you report your card lost or stolen, you will not be
transactions on your account.
In the United States (including all 50 states, the District of Colum
and Puerto Rico) and Canada, call 1-800-MC-ASSIST (1-800-6
and in need of assistance, you can easily reach a specially traine
Representative who can help you 24 hours a day, 365 days a ye
toll-free from over 75 countries worldwide. Some of the key tolltelephone numbers are:
Australia . . . . . . . . . . .1-800-120-113
Austria . . . . . . . . . . . .0800-21-8235
France . . . . . . . . . . .0-800-90-1387
Germany . . . . . . . . . .0800-819-1040
Hungary . . . . . . . . . . . .06800-12517
Ireland . . . . . . . . . . . .1-800-55-7378
Italy . . . . . . . . . . . . . . .800-870-866
Mexico . . . . . . .
Netherlands . . .
Poland . . . . . .
Portugal . . . . .
Spain . . . . . . . .
United Kingdom
Virgin Islands . .
For additional information, or for country-specific, toll-free telepho
visit our Web site at www.mastercard.com or call the United St
Account Information and Card Benefits
When in the United States, contact your card issuer directly for a
1-800-MC-ASSIST for card benefits. When traveling outside the
Service to access your card issuer for account information or to
ATM Locations
Call 1-800-4CIRRUS to find the location of a nearby ATM in the M
MasterCard®, Maestro®, and Cirrus® brands. Also, visit our Web site
use our ATM locator. You can get cash at over one million ATMs wo
be sure you know your Personal Identification Number (PIN) before
ACCOUNT AND BILLING INFORMAT
Important: Contact your card-issuing financial institution directly
account, such as account balance, credit line, billing inquiries (in
rates), merchant disputes, or information about additional service
Your financial institution’s phone number should be available on
or on the back of your card.
MC-ASSIST
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1-800-MC-ASSIST
> Submit the following documentation within sixty (60) days of the advertisement’s publication:
> Copy of the non-auction advertisement that shows the date of the advertisement, website
address, retailer name, the product (the advertisement must verify the same manufacturer
and model number as what you bought), sale price, and, if applicable, shipping, handling,
and other charges.
> Once all required documentation is submitted and your claim is verified, you will receive a
Reminder: Please refer to the Final Legal Disclosure section. PP-1 (12-04)
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-MC-ASSIST (1-800-622-7747). 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 75 countries worldwide. Some of the key toll-free MasterCard Global Service
telephone numbers are:
Australia . . . . . . . . . . .1-800-120-113
Austria . . . . . . . . . . . .0800-21-8235
France . . . . . . . . . . .0-800-90-1387
Germany . . . . . . . . . .0800-819-1040
Hungary . . . . . . . . . . . .06800-12517
Ireland . . . . . . . . . . . .1-800-55-7378
Italy . . . . . . . . . . . . . . .800-870-866
Mexico . . . . . . . . .001-800-307-7309
Netherlands . . . . . . . .0800-022-5821
Poland . . . . . . . . . . .0-0800-111-1211
Portugal . . . . . . . . . . . .800-8-11-272
Spain . . . . . . . . . . . . . . .900-97-1231
United Kingdom . . . . . .0800-96-4767
Virgin Islands . . . . . .1-800-307-7309
ency,
For additional information, or for country-specific, toll-free telephone numbers not listed above,
visit our Web site at www.mastercard.com or call the United States collect at 1-636-722-7111.
,
Account Information and Card Benefits
es.
When in the United States, contact your card issuer directly for account information and
1-800-MC-ASSIST 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.
tion:
name,
what
a
ATM Locations
Call 1-800-4CIRRUS to find the location of a nearby ATM in the MasterCard ATM Network accepting
MasterCard®, Maestro®, and Cirrus® brands. Also, visit our Web site at www.mastercard.com to
use our ATM locator. You can get cash at over one million ATMs worldwide. To enable cash access,
be sure you know your Personal Identification Number (PIN) before you travel.
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.
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
FINAL LEGAL DISCLOSURE
This Guide is not a policy or contract of insurance or other contra
Benefits are purchased by MasterCard and provided free to you,
have associated costs, which will be your responsibility (for exam
lawyer’s fee is your responsibility).
Extended Warranty, Purchase Assurance, and Price Protection co
master policy of insurance issued by Virginia Surety Company, In
summary of benefits provided to you. All information about the in
Guide is governed by the conditions, limitations, and exclusions o
As the insurer of the MasterCard coverage described herein, Virg
collects personal information about you from the following source
Information the insurer gathers from you, from your request for ins
you furnish to the insurer, such as your name, address, telephone
transactions with the insurer such as claims made and benefits pa
information it collects, as descr
perform administrative or other
connection with the insurance c
insurer does not disclose any p
insureds to anyone, except as r
access to personal information
need to know that information i
The insurer maintains physical,
safeguards that comply with fed
personal information. Should yo
insurance procedures or the inf
please contact the insurer by w
Compliance Department
Virginia Surety Company, Inc
175 W Jackson
Chicago, IL 60604
Effective date of benefits:
Effective April 15, 2008 this Guide replaces all prior disclosures,
and brochures by any party. MasterCard and the insurer reserve
and features of these programs at anytime.
Cancellation:
We can cancel these benefits at any time or choose not to renew
cardholders. If we do cancel these benefits, you will be notified a
If the insurance company terminates, cancels, or chooses not to
you will be notified as soon as is practicable. Insurance benefits
were eligible for prior to the date of such terminations, cancellati
terms and conditions of coverage.
Benefits to you: These benefits apply only to MasterCard cardho
U.S. financial institutions. The United States is defined as the fifty
Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Vir
other than the MasterCard cardholder shall have any legal or equ
benefits, insurance proceeds and damages under or arising out o
do not apply if your card privileges have been cancelled. Howeve
for any benefit you were eligible for prior to the date that your ac
subject to the terms and conditions of coverage.
Transfer of rights or benefits: No rights or benefits provided un
be assigned without the prior written consent of the claim admin
Misrepresentation and Fraud: Benefits shall be void if the Mas
or misrepresented any material facts concerning this coverage.
Due Diligence: All parties are expected to exercise due diligence
or damage to the property insured under these programs. “Due d
of all vigilant activity, attentiveness, and care that would be taken
person in the same or similar circumstances in order to guard an
SSIST
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1-800-MC-ASSIST
6/2/08
2:55 PM
1-800-MC-ASSIST
Page 1
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
FINAL LEGAL DISCLOSURE
This Guide is not a policy or contract of insurance or other contract.
Benefits are purchased by MasterCard and provided free to you, but 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).
Extended Warranty, Purchase Assurance, and Price Protection coverage are provided under a
master policy of insurance issued by Virginia Surety Company, Inc. This Guide is intended as a
summary of benefits provided to you. All information about the insurance benefits listed in this
Guide is governed by the conditions, limitations, and exclusions of the master policy.
As the insurer of the MasterCard coverage described herein, Virginia Surety Company, Inc. (“VSC”)
collects personal information about you from the following sources:
Information the insurer gathers from you, from your request for insurance coverage or other forms
you furnish to the insurer, such as your name, address, telephone number, and information about your
transactions with the insurer such as claims made and benefits paid. The insurer may disclose all
information it collects, as described above, to companies that
perform administrative or other services on our behalf solely in
connection with the insurance coverage you have received. The
insurer does not disclose any personal information about former
insureds to anyone, except as required by law. The insurer restricts
access to personal information about you to those employees who
need to know that information in order to provide coverage to you.
The insurer maintains physical, electronic, and procedural
safeguards that comply with federal regulations to guard your
personal information. Should you have any questions about the
insurance procedures or the information contained within your file,
please contact the insurer by writing to:
Compliance Department
Virginia Surety Company, Inc.
175 W Jackson
Chicago, IL 60604
1-800-MC-ASSIST
1-800-MC-ASSIST
1-8
Subrogation: If payment is made under these benefits, the ins
such amounts from other parties or persons. Any party or card
these benefits must transfer to the insurance company his or h
party or person and must do everything necessary to secure th
would jeopardize them, or these rights will be recovered from t
Salvage: If an item is not repairable, the claim administrator may
recipient send the item to the administrator for salvage at the car
Failure to remit the requested item for salvage to the claim admin
In no event will these insurance benefits apply as contributing in
clause will take precedence over the non-contribution clause fou
Benefits listed in this Guide are subject to the conditions, limita
benefit section. Receipt and/or possession of this Guide to
or coverage availability. FLD-2(3-05)
This Guide is intended as a summary of services and coverage
Guide and the master insurance policies, or a member’s, or
master policies or actual offering shall control. Provision of
applicable legal restrictio
Effective date of benefits:
Effective April 15, 2008 this Guide replaces all prior disclosures, program descriptions, advertising,
and brochures by any party. MasterCard and the insurer reserve the right to change the benefits
and features of these programs at anytime.
Cancellation:
We can cancel these benefits at any time or choose not to renew the insurance coverage for all
cardholders. If we do cancel these benefits, you will be notified at least sixty (60) days in advance.
If the insurance company terminates, cancels, or chooses not to renew the coverage to your issuer,
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 MasterCard cardholders 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 MasterCard 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 MasterCard cardholder has concealed
or misrepresented any material facts concerning this coverage.
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.
To file a claim or request Travel As
call 1-800-MC-ASSIST (1-800
or en Español: 1-800-63
Visit our Web site at www.mas
©2008 MasterCard
8
1-800-MC-ASSIST
may
but the
a
a
his
“VSC”)
orms
out your
e all
at
y in
The
rmer
restricts
es who
to you.
6/5/08
2:03 PM
1-800-MC-ASSIST
Page 1
1-800-MC-ASSIST
1-800-MC-ASSIST
1-800-MC-ASSIST
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.
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.
Benefits listed in this Guide 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. FLD-2(3-05)
1-800-MC-ASSIST
1-800-MC-ASSIST 1-800-MC
Guide to
Bene
This Guide is intended as a summary of services and coverages and, in case of a conflict between the
Guide and the master insurance policies, or a member’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.
our
the
our file,
World MasterCard® Car
rtising,
efits
r all
vance.
r issuer,
ts you
to the
Important information. Plea
To file a claim or request Travel Assistance Services,
call 1-800-MC-ASSIST (1-800-622-7747),
or en Español: 1-800-633-4466.
Visit our Web site at www.mastercard.com.
ed by
trict of
ntity
m for
enefits
ll apply
celled,
This Guide to benefits contains detailed inform
insurance, and retail protection services you ca
cardholder. These programs and coverages ap
made on or after April 15, 2008. This Guide su
description you may have received earlier.
To file a claim or for more information
call the MasterCard Assistance Cente
or en Español: 1-800-
ts may
cealed
“Card” refers to World MasterCard®
refers to a World MasterCa
heft, loss
mance
ent
World MasterCard Gu
©2008 MasterCard
8-132497 06/08 USAA 87756-0608
Benefits that are alwa

Document 6439424

Transcription

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