Guide to
Benets
World Elite
TM
MasterCard
®
Cardmember 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 cardmember. These programs and coverages apply to
travel and retail purchases made on or after May 1, 2014. This Guide
supersedes any guide or program description you may have received
earlier. Your eligibility is determined by the date your financial institution
enrolled your account in the benefits.
“Card” refers to World Elite MasterCard
®
card and
“Cardmember” refers to a World Elite MasterCard
®
cardmember.
World Elite MasterCard Guide to Benefits
Benefits that are always with you
CONCIERGE SERVICE
World Elite MasterCard
®
offers you the Barclaycard Arrival Plus™ World Elite
MasterCard
®
Concierge Service. Imagine your own Personal Assistant 24
hours a day, 365 days a year, where knowledgeable experts can assist with
whatever you need, whenever you need it. This takes “Concierge Service” to
the next level with robust, personalized features that will save you time and
simplify your day, such as:
• Personal Prole to track preferences for travel, hotels, dining,
entertainment, special occasions – and even food allergies.
• Local experts who can provide on-site assistance with everyday household
needs – like being there when the new appliance is delivered, because you
can’t be.
• Access to unique dining and entertainment venues to turn a special
occasion into a memorable experience. Reminder service for those dates
or events that you can’t afford to miss.
• Pre-trip planning services, providing you with critical information in advance
of your trip including: 10-day weather forecast, travel requirements, city-
specific news and conditions, safety and security advisory, suggested packing
list, pre-arranged conrmations for dining and other services, top must-see
attractions, fitness facilities, jogging paths and recreation within close
proximity of your hotel, etc.
Let the Barclaycard Arrival Plus World Elite MasterCard Concierge assist you
today, so you can have your day back! Our experts look forward to assisting
you at 1-888-963-7036.
LuxuRy TRaVEL BENEfITS
As a World Elite MasterCard cardmember, you have access to MasterCard
Travel Services,™ a suite of benefits, amenities and upgrades, preferential
treatment and premium travel offers from best-in-class travel companies.
Your World Elite Luxury Travel Benefits include…
• Exceptional value while catering to the interests and activities of couples
and families.
• Experienced travel advisors who address your specic travel preferences.
• Complimentary travel planning to deliver unique travel experiences.
• Preferential treatment at all participating Hotels & Resorts throughout the world.
Get the most from all your travels. Whether it’s planning a last-minute
getaway or the trip of a lifetime, learn what MasterCard Travel Services ™
can offer you.
PROFESSIONAL 24/7 TRAVEL SERVICES
Enjoy complimentary travel planning.
As a World Elite cardmember, you have access to a variety of high-quality,
high-value vacation choices from a portfolio of internationally-recognized
travel brands. Our professional travel advisors are ready to help you plan
your trip—at your convenience, 24 hours a day, 7 days a week.
World Elite HOTELS & RESORTS PORTFOLIO
Enjoy Preferred Amenities at fine properties around the world with leading
partners including Starwood, Mandarin Oriental, InterContinental, Rocco Forte,
Shangri La, Taj, Fairmont, Raffles, Swisshotel, Hyatt and many more.
The World Elite Hotels and Resorts Portfolio is a collection of exceptional
properties selected for World Elite cardmembers. Choose from world-famous
icons to edgy boutique hotels and leading family resorts. You will enjoy a
unique suite of preferred amenities including:
• Room upgrade, subject to availability
• Early check-in, subject to availability
• Late check-out, subject to availability
• Complimentary breakfast daily for up to two people
• World Elite Amenity (Varies by property)
World Elite AIR PROGRAM
Whether you are looking for savings or luxury, the World Elite Air Program
has something for you. Participating airlines include Aer Lingus, Aeromexico,
Austrian, Etihad, LAN, Lufthansa, Virgin Atlantic and more.
Access a wide range of benefits that include upgrades, savings and
discounts when you use your World Elite MasterCard card:
1. World Elite Upgrade Program
- Purchase a full fare Economy Class ticket on select airlines and receive
an upgrade to Business Class.
2. World Elite Business Class Companion Ticket Savings Program
- Purchase a full fare Business class ticket on select airlines and your
companion can receive a savings of up to 50% off their business class
airline ticket.
- Purchase a full fare Business class ticket on select airlines and your
companion receives a complimentary business class ticket.
3. World Elite Airfare Savings Program
- Preferred savings available in all classes of service to international
destinations around the world.
World Elite PRIVATE JET PROGRAM
Fly in style with unparalleled, individualized service on private jet flights.
Private jet providers include Sentient, ACS and Lufthansa Private Jet.
Save each time you fly on a private jet. Arrive relaxed and in style when you
let your World Elite MasterCard card take your travels to the next level with
these benefits:
• Sentient: Enjoy $500 off your next charter flight
• Lufthansa Private Jet: Enjoy 5% off your next charter flight
• Air Charter Services (ACS), enjoy your choice of:
- Savings up to $750 or
- Complimentary in-ight meals, beverages and services or
- Chauffeur-driven transportation upon arrival within 50 miles
World Elite CRUISE PROGRAM
Pamper, rejuvenate, and explore with leading cruise lines including Avalon,
Azamara, Crystal, Cunard, NCL, Oceania, Paul Gauguin, Regent, Royal
Caribbean, Sea Cloud, SeaDream, Silversea, Uniworld, and Un-Cruise
Adventures and more.
Enjoy savings on a worldwide eet of cruise ships, mega-yachts and
boutique river vessels sailing to all corners of the world. From oating family
resorts at sea to intimate ve-star luxury yachts to exotic expeditions and
adventures, your exclusive World Elite benefits provide shipboard credits of
up to $500 per cabin on select sailings.
World Elite TOURS and VACATIONS PROGRAM
Don’t just visit a destination—live it with world class tour providers including
Abercrombie & Kent, Absolute Travel, Avanti Destinations, Globus, Journey
Mexico, Kensington Tours, Key Tours, Monograms, Classic Vacations, Ski.
com, Butterfield & Robinson, Swain Tours, Big Five, Ker & Downey, Perry
Golf, South African Airways Vacations, Trafalgar, and many more.
Discover an extensive selection of tours and vacation packages throughout the
world, from family-friendly destinations to fully-customized travel experiences.
Your exclusive World Elite Tours and Vacations benets offer up to $500 in
savings on a variety of vacation styles, destinations and experiences.
World Elite CAR RENTAL PROGRAM
Car rentals for World Elite cardmembers take you further with National, Avis
and Sixt.
• Receive a minimum of 15% and up to 25% savings off your car rental.
• Enjoy complimentary elite membership status with each provider.
World Elite Chauffeured Car Service
Arrive in style with Sixt Limousine Service, International Limousine Service,
Vitesse and Avis Chauffeured Car.
• Save 15% on chauffeured cars.
• Enjoy a $50 voucher toward your next Chauffeured Service (with select
providers).
Additional World Elite MasterCard benefits include…
MasterCard Airport Concierge™
Your passport to the finer side of air travel.
Enjoy a 15% savings on Airport Meet and Greet. Arrange for a personal,
dedicated Meet and Greet agent to escort you through the airport on
departure, arrival or any connecting flights at over 450 destinations
worldwide 24 hours a day, 365 days a year. There are also certain
airports where you can be expedited through the security and/or the
immigration process. To reserve MasterCard Airport Concierge services visit
mastercard.com/airportconcierge or consult your Travel Advisor.
MasterCard Global Service Premium
Emergency Services.
If your World Elite MasterCard card is ever lost or stolen, MasterCard will
attempt to notify your financial institution within five minutes of being
reported. In most instances, MasterCard can provide an emergency cash
advance within an hour and will send you a replacement card in one day in
the top 75 delivery destinations worldwide.** This service is available 7 days
a week in 75 markets.
MasterCard Global Concierge
A concierge everywhere you go.
World Elite MasterCard comes with a complimentary 24/7 concierge
that serves as your personal assistant, offering exceptional service and
convenience no matter where you are or when you need it. You have access
to thousands of benefits and privileges with premier hotels, restaurants, clubs,
spas, luxury products, event tickets and practical services across the globe.
Take Advantage of All Your World Elite MasterCard Benefits…
Simply call the number on the back of your World Elite MasterCard card
or visit mastercard.com/worldelitetravel for program updates and to learn
about special promotional travel offers...
Terms and conditions:
Additional terms, conditions and restrictions apply to each of the above benefits.
For additional World Elite MasterCard benet details, terms, and conditions, please
call the number on the back of your card or visit mastercard.com/worldelitetravel.
Travel-related services are provided by or through one or more travel service providers
and such travel service providers and benefits are subject to change at any time by
MasterCard without notice. All benefits are subject to availability at the time of booking.
Benets are subject to terms and conditions unique to each travel service provider
and /or destination. All travel and benets require purchase with your World Elite
MasterCard card. The goods and services described herein are offered and provided
by third party merchants and MasterCard is not responsible for any losses related to
the offer, fulfillment or use of the goods or services. Offers available on select charters,
sailings, tours, and chauffeured cars. Offers may vary by supplier. Hotel & Resort
benefits may be limited to specific room types and may vary by supplier.
To take advantage of any World Elite
®
travel benefits unless stated otherwise, you
must book through Carlson Wagonlit Travel, MasterCard’s designated travel agent for
MasterCard Travel Services and must reserve and pay in full for reservations, including
deposit and final payment, with a valid World Elite MasterCard. All benefit travel must
commence before December 31, 2014 unless otherwise noted. All benefits and offers
are subject to availability and are subject to change or cancellation without notice.
Benefits may generally be redeemed multiple times, subject to specific travel service
provider limitations, and are valid on new bookings only. Multiple World Elite travel
benefits provided by MasterCard Travel Services may be booked, but such benefits may
not be combinable with a travel service provider’s other offers.
Blackout dates and additional terms, conditions and restrictions may apply. Specific
travel benefits are not available for certain card programs. Please visit mastercard.
com/worldelitetravel or contact one of our program travel advisors for additional
program details and terms and conditions. Airline booking and other fees may apply.
Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and travel
service providers are not responsible for printing or typographical errors. The terms
and conditions contained herein are subject to change at any time by MasterCard
without notice. All benets are subject to availability. MASTERCARD, WORLD ELITE.
MASTERCARD TRAVEL SERVICES and the MasterCard Brand Mark are registered
trademarks of MasterCard International Incorporated. All rights reserved.
** Other delivery methods may include: Next day in US, 2 business days outside the US.
‡ Additional terms and conditions apply. Subject to certain limitations and exclusions.
Please refer to your issuing financial institution for complete coverage terms and
conditions or call the MasterCard Assistance Center at 1-800-622-7747 for details on
your benefits or to file a claim.
MasterCard Airport Concierge,™ provided by Global Airport Concierge.
In the case of making any airport concierge service (“Meet & Greet”) booking utilizing
MasterCard Airport Concierge provided by Global Airport Concierge (‘GAC”), it is
the MasterCard cardmember’s responsibility to provide all the required and correct
information. Any lack or delay of the information can affect the service and neither
MasterCard International Incorporated (“MasterCard”) nor GAC will be held responsible
for any such event. It is the MasterCard cardmember’s responsibility to choose
and book a start time that allows sufficient time for the service to take place or the
formalities to be completed in good time. There is no charge for any cancellations
made more than 48 hours in advance of the service. For any cancellations made within
48 hours prior to the scheduled service, there is a 100% charge equivalent to full
invoice and no right to refund. There is no charge for any amendments to the services
made more than 48 hours in advance of the service. For any amendment made less
than 48 hours in advance of the service, there will be a change fee imposed, which
varies depending on the airport. Airside access at some airports may be subject to
possible security restrictions. Infants up to 12 months will not be charged and between
12 and 36 months will be charged at 50%. Standard service times are typically 3
hours. Additional fees may apply for service–times of more than 3 hours. This does
not apply to cases when flights are unexpectedly delayed. Additional fees may apply
after the initial booking due to changes/cancellations made within 48 hours of travel,
extra services added or additional passengers added at the airport. Fees depend on the
airport and can be requested at time of booking. All rates are inclusive of foreign taxes,
administration costs, gratuity & tips. Additional terms, exclusions and conditions apply,
visit mastercard.com/airportconciergeterms.
IdENTITy ThEfT hELp LINE
(IdENTITy ThEfT RESOLuTION SERVICES)
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 cardmember, whose
name is embossed on an eligible World Elite MasterCard Card,
and who resides in the United States.
How can I access these services?
Simply call 1-877-319-4403 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 cardmember with a uniform Identity Theft Afdavit and
providing assistance with completion of the Affidavit. It is the responsibility
of the cardmember to submit the Affidavit to the proper authorities, credit
bureaus, and creditors.
• Notifying all three major credit reporting agencies to obtain a
complimentary credit report for the cardmember and placing an alert on
the cardmember’s record with the agencies.
• Assisting the cardmember with credit and charge card replacement.
• Educating the cardmember on how Identity Theft can occur and of
protective measures to avoid further occurrences.
• Providing the cardmember with the Identity Theft Resolution Kit.
• Providing the cardmember with sample letters for use in canceling
checks, ATM cards, and other accounts.
• Obtaining for the cardmember credit information in real time while the
cardmember is on the phone, if the cardmember suspects that fraud or ID
Theft has occurred.
Is there a charge for these services?
No, your nancial 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 nancial 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 cardmember. 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, Europ Assistance USA, relies on the truth of statement made in the
Affidavit or declaration from each cardmember. This service is provided to eligible
cardmembers 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. Modications to the terms and conditions may be
provided via additional Guide to Benefit mailings, statement inserts, or statement
messages. Your nancial 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 cardmembers,
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.
pRICE pROTECTION COVERaGE
What is the Price Protection benefit?
The Price Protection benefit assists you in achieving the best possible price on
products you buy entirely with an eligible card. If you buy an eligible item with
your card in the United States and see a printed advertisement of it for less
at any retail store within one hundred and twenty (120) days of the original
purchase date, simply file a valid claim and we will refund the difference
up to $250.00 per item. This benefit is limited to $1,000.00 a year per
cardmember’s eligible account.
Please note: The printed advertisement must include a description
of the item identical to the one purchased, the sale price, the store
or dealer’s name, and the date(s) the sale is in effect. The sale date
must be within one hundred and twenty (120) days after the original
purchase date.
Who is eligible for this protection?
To be eligible for this benefit, you must be a valid cardmember of an eligible
U.S.-issued card, and a citizen and/or resident of the United States.
How do I file a Price Protection benefit claim?
1. Use your eligible card to charge the full amount of your purchase of the eligible
item. Save all original receipts, both card paperwork and itemized store receipt.
2. If you see the identical product by the same manufacturer advertised in print
for a lower retail price within one hundred and twenty (120) days after the
purchase, obtain and retain the original printed advertisement. Only items
advertised by authorized dealers in the United States apply. Price differences
involving manufacturer and/or merchant rebates, shipping and handling fees,
and sales tax, if any, are not covered by the Price Protection benefit.
3. Within ten (10) days of the printed advertisement, call our toll-free number
at 1-800-553-7520. You will receive a claim form that details the necessary
procedures to le your claim. Follow the instructions on the letter carefully.
Return the completed claim form along with:
• The original itemized sales receipt,
• The original card receipt demonstrating that the entire purchase was made on
your eligible card, and
• The original printed advertisement showing the item, sale date and/or date of
the advertisement, lower advertised price, and advertising store name to:
Card Benefit Services
P.O. Box 2894
Great Falls, MT 59403
Should you need assistance, Customer Service Representatives are
available 24 hours a day, 365 days a year.
Definitions
Advertised or advertisements means an advertisement printed in a
newspaper, journal, magazine, or yer distributed in the United States
to the general public and placed by a manufacturer or authorized dealer
of the consumer product in the United States. Any advertisement that is
cut down or altered in any manner will not be sufficient documentation
of loss. Therefore, any advertisements, catalogs, etc. must be submitted
in whole with date verification. The only exception will be magazines and
newspapers. In this case, you do not need to send the whole publication,
but you will be required to send the whole page or pages in which the
advertisement is found, with the date and name of the publication. The
Price Protection benefit does not apply to advertisements for close-
out sales, flea markets, fire sales, cash-only sales, limited quantity
promotions, liquidation sales, going-out-of-business sales, seasonal
sales, or advertisements on the Internet. The Price Protection benefit
is secondary to and excess of store policies offering a lowest-price
guarantee or any other form of refund for price differences.
Date of Purchase means the date you paid for and received the item, or
the date of delivery and personal acceptance of the item, whichever is later.
How will I be reimbursed?
Within twenty (20) days after your request for a claim form, return the form to
us with the required documents. If your request is approved, we will issue you
a refund for the difference in the price, up to a maximum of $250.00 per item.
If your documentation is not complete, we will request additional information,
which must be supplied to us within sixty (60) days of the request.
What is not covered?
The Price Protection benefit does not cover the following items:
• Advertisements posted on the Internet.
• Advertisements of cash-only sales, close-out sales, ea markets, re sales,
going-out-of-business sales, limited-quantity promotions, or liquidation sales.
• Advertisements of sales of seasonal or discontinued items including, but not
limited to, holiday decorations.
• Animals and living plants.
• Boats, automobiles, and any other motorized vehicles and their motors,
equipment, or accessories.
• Cell phone service agreements and cell phone contracts.
• Items purchased for resale, professional, or commercial use.
• Jewelry, antiques, and collectible items, rare or one-of-a-kind items, special
order items, custom items, or tailored items.
• Manufacturer and/or merchant rebates.
• Perishables, services, consumables, and limited-life items including, but not
limited to, rechargeable batteries.
• Real estate and items which are intended to become part of real estate.
• Traveler’s checks, cash, tickets, credit or debit cards, and any other negotiable
instruments.
• Items purchased outside of the United States.
• Items without a manufacturer’s U.S. warranty (warrantable items only).
• Previously owned, sold “as is,” and refurbished items.
Additional Provisions for Price Protection: The Price Protection benefit is secondary
to and excess of any valid and collectible avenue of recovery which is available to you,
the eligible cardmember. We will refund the excess amount once all other coverage has
been exhausted up to the limit of liability.
This benefit is available only to you, the eligible cardmember.
If you make any claim knowing it to be false or fraudulent, no coverage shall exist for
such claim and your benefits may be canceled.
Each cardmember agrees that representations regarding claims will be accurate and
complete. Any and all relevant provisions shall be void in any case of fraud, intentional
concealment, or misrepresentation of material fact by the cardmember.
Once you report a claim, a claim le will be opened and shall remain open for sixty (60)
days from the date you reported the claim. No payment will be made on a claim that is
not completely substantiated in the manner required by the Benet Administrator within
seventy (70) days of the date of the printed advertisement.
After the Benefit Administrator has paid your claim, all rights and remedies against
any party in respect of this loss will be transferred to the Benefit Administrator to the
extent of the cost of payment made to you. You must give the Benefit Administrator all
assistance as may reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought against us until sixty (60) days after we
receive Proof of Loss. No legal action against us may be brought more than two (2)
years after the time for giving Proof of Loss. Further, no legal action may be brought
against us unless all the terms of this Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardmembers at no additional cost. The terms
and conditions contained in this Guide to Benets may be modied by subsequent
endorsements. Modifications to the terms and conditions may be provided via
additional Guide to Benefits mailings, statement inserts, or statement messages.
The benefit described in this Guide to Benefits will not apply to cardmembers whose
accounts have been suspended or canceled.
Termination dates may vary by financial institution. Your financial institution can
cancel or non-renew this benet, and if we do, we will notify you at least thirty (30)
days in advance. This information is a description of the benefit provided to you as a
cardmember. It is insured by Indemnity Insurance Company of North America.
FORM #VPRICEPROT (04/10)
puRChaSE SECuRITy
What is this Purchase Security benefit?
Within the rst ninety (90) days of the date of purchase, Purchase Security
will, at the Benefit Administrator’s discretion, replace, repair, or reimburse you
for eligible items of personal property purchased entirely with your eligible card
up to a maximum of $1,000.00 per claim and $50,000 per cardmember,*
in the event of theft, damage due to fire, vandalism, accidentally discharged
water, or certain weather conditions.
Who is eligible for this benefit?
To be eligible for this benefit, you must be a valid cardmember of an eligible
U.S.-issued card.
What items are covered by Purchase Security?
Your eligible purchases are protected against damage due to the following:
• Fire, smoke, explosion, riot, or vandalism.
• Windstorm, lightning, hail, rain, sleet, or snow.
• Aircraft, spacecraft, or other vehicles.
• Theft (except from autos or motorized vehicles).
• Accidental discharge of water or steam from household plumbing.
Sudden accidental damage from electric current. (This benet does not
apply to electronic components.)
What items are not covered?
• Animals and living plants.
• Antiques and collectible items.
• Boats, aircraft, automobiles, and any other motorized vehicles and their
motors, equipment, or accessories including trailers and other items that
can be towed by or attached to any motorized vehicle.
• Broken items, unless damage is the result of a covered occurrence.
• Computer software.
• Items damaged as a result of weather other than lightning, wind, hail, rain,
sleet, or snow.
• Items purchased for resale, professional, or commercial use.
• Items stolen from automobiles and other vehicles, or common carriers.
• Items that are lost or that mysteriously disappear. “Mysterious disappearance”
means the vanishing of an item in an unexplained manner where there is an
absence of evidence of a wrongful act by a person or persons.
• Items under the care and control of a common carrier (including
U.S. Postal Service, airplanes, or delivery service).
• Items including, but not limited to, jewelry and watches from baggage
unless hand-carried and under your personal supervision, or under the
supervision of your traveling companion who is previously known to you.
• Losses resulting from abuse, fraud, hostilities of any kind (including, but
not limited to, war, invasion, rebellion, insurrection, or terrorist activities),
confiscation by the authorities, risks of contraband, illegal activities,
normal wear and tear, ood, earthquake, radioactive contamination, or
damage from inherent product defects.
• Losses resulting from misdelivery or voluntary parting with property.
• Medical equipment.
• Perishables, consumables including, but not limited to, perfumes and
cosmetics, and limited-life items such as rechargeable batteries.
• Real estate and items which are intended to become part of real estate
including, but not limited to, items that are hard-wired or hard-plumbed,
garage doors, garage door openers, and ceiling fans.
• Rented or leased items, or items purchased on an installment plan and
for which the entire purchase price was not paid in full at the time of the
occurrence.
• Traveler’s checks, cash, tickets, credit or debit cards, and any other
negotiable instruments.
• Used or pre-owned items.
Are gifts covered?
Yes, as long as you purchased the gift entirely with your eligible card and it
meets the terms and conditions of the benefit.
Are purchases made outside the U.S. covered?
Yes, as long as you, the eligible cardmember, purchased the item entirely
with your eligible card and the eligible item meets the terms and conditions
of the benefit.
Do I need to register my purchases?
No. Your eligible purchases are automatically covered.
Do I need to keep copies of receipts or any other records?
Yes. If you want to file a claim, you will need copies of your card receipt and
your store receipt.
How do I file a claim?
Call the Benet Administrator at 1-800-525-1466 or collect at
1-303-967-1096 within sixty (60) days of loss or damage. Please note:
if you do not give such notice within sixty (60) days after the loss or
damage your claim may be denied. The Customer Service Representative
will ask you for some preliminary claim information and send you the
appropriate claim form. This claim form must be completed, signed, and
returned with all the requested documentation within ninety (90) days
from the date of loss or damage.
Gift recipients of eligible items may also handle the claim process if you
wish. However, the gift recipient must provide all the documents necessary
to fully substantiate the claim.
What documents do I need to submit with my claim?
• Your completed and signed claim form.
• Your card receipt.
• The itemized store receipt.
• A police report (made within 48 hours of the occurrence in the case of
theft), re, insurance claim, or loss report, or other report sufcient to
determine eligibility for benefits.
• A copy of your insurance declaration page, when applicable.
• Documentation (if available) of any other settlement of the loss.
All claims must be fully substantiated as to the time, place, cause, and
amount of damage or theft. In most cases you will be asked to send, at your
expense, the damaged item to substantiate a claim. Retain the item in the
event it is requested by the Benet Administrator.
How will I be reimbursed?
Depending on the nature and circumstances of the incident, the Benefit
Administrator, at its discretion, may choose to discharge your claim in either
of two ways:
1. A damaged item (whether wholly or in part) may be repaired, rebuilt, or
replaced. A stolen item may be replaced. If the item is to be repaired, rebuilt,
or replaced, you will be notied of the decision within fteen (15) days
following receipt of the required proof of theft/damage documentation.
2. You may be reimbursed for the eligible item, but not more than the
original purchase price of the covered item as recorded on your eligible
card receipt, less handling and shipping charges, up to a maximum of
$1,000.00 per claim occurrence.*
Under normal circumstances, reimbursement will take place within ve (5)
business days of receipt and approval of all required documents.
In either case, the Benefit Administrator’s payment, replacement, or repair
made in good faith will fulfill the obligation under the benefit.
Do I have to file with my insurance company?
Yes, if you have insurance applicable to the damaged or stolen item (e.g.
business owner’s, homeowner’s, renter’s, or automobile) or if you are
covered by your employer’s insurance for such losses, you are required
to file a claim with your own insurance company and to submit a copy of
any claim settlement from your insurance company along with your claim
form.* In some cases, at the option of the Benet Administrator, where the
claim amount is within your personal insurance deductible, a copy of your
personal insurance policy declaration page may be sufcient.*
* NOTE: Purchase Security provides coverage on an “excess” coverage
basis. That means it does not duplicate, but pays in excess of any
valid and collectible insurance or indemnity (including, but not limited
to, homeowner’s, renter’s, automobile, or employer’s insurance
policies). After all insurance or indemnity has been exhausted, Purchase
Security will cover the loss up to the amount charged to your eligible account
and subject to the terms, exclusions, and limits of liability of the benefit.
Purchase Security will also pay for the outstanding deductible portion of
your insurance or indemnity for eligible claims. The maximum limit of liability
is $1,000.00 per claim occurrence and $50,000 per cardmember. You
will receive no more than the purchase price as recorded on the eligible
card receipt. Where a protected item is part of a pair or a set, you will
receive no more than the value (as described herein) of the particular part
or parts, stolen or damaged, regardless of any special value that the item
may have as part of such a pair or set, nor more than the proportionate
part of an aggregate purchase price of such pair or set. Purchase Security
is not “contributing” insurance, and this “non-contribution” provision shall
take precedence over “non-contribution” provisions found in insurance or
indemnity descriptions, policies, or contracts.
Additional Provisions for Purchase Security: This protection provides benefits
only to you, the eligible cardmember, and to whomever receives the eligible gifts you
purchase entirely with your eligible card.
You shall use due diligence and do all things reasonable to avoid or diminish any loss
or damage to property protected by this benefit. This provision will not be unreasonably
applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including, but
not limited to, the cost of repair services, no coverage shall exist for such claim and your
benefits may be canceled. Each cardmember agrees that representations regarding
claims will be accurate and complete. Any and all relevant provisions shall be void in
any case of fraud, intentional concealment, or misrepresentation of material fact by the
cardmember.
Once you report a claim, a claim le will be opened and shall remain open for six (6)
months from the date of the damage or theft. No payment will be made on a claim that
is not completely substantiated in the manner required by the Benet Administrator
within six (6) months of the date of damage, theft, or product failure.
After the Benefit Administrator has paid your claim, all your rights and remedies against
any party in respect of this loss or damage will be transferred to the Benefit Administrator
to the extent of the payment made to you. You must give the Benefit Administrator all
assistance as may reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought against us until sixty (60) days after we
receive Proof of Loss. No legal action against us may be brought more than two (2)
years after the time for giving Proof of Loss. Further, no legal action may be brought
against us unless all the terms of this Guide to Benefit have been complied with fully.
This benefit is provided to eligible cardmembers at no additional cost. The terms
and conditions contained in this Guide to Benet may be modied by subsequent
endorsements. Modifications to the terms and conditions may be provided via
additional Guide to Benefit mailings, statement inserts, or statement messages.
The benefit described in this Guide to Benefit will not apply to cardmembers whose
accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Your financial institution can cancel
or non-renew the benet for eligible cardmembers, and if we do, we will notify you at
least 30 days in advance. This information is a description of the benefit provided to
you as a cardmember. It is insured by Indemnity Insurance Company of North America.
FORM #PS (04/10)
RETuRN pROTECTION
Benefit Information
What is this benefit?
Return Protection is coverage that will reimburse you for the cost of an
eligible item of personal property within ninety (90) days of the date it was
purchased entirely with your eligible card if you are not satisfied with it and
the retailer won’t allow it to be returned.
Who is eligible for this benefit?
You are eligible for this benefit if you are a valid cardmember of an eligible
card issued in the United States.
What is covered?
Eligible items of personal property purchased entirely with your eligible
card are covered for reimbursement up to ve hundred dollars ($500.00)
per item at an annual maximum of one thousand dollars ($1,000.00) per
account. Eligible items are automatically covered when purchased with your
card—they do not need to be registered to qualify for coverage.
What types of items are not covered?
• Animals and living plants.
• Boats, aircraft, automobiles, and any other motorized vehicles and their
motors, equipment, or accessories including trailers and other items that
can be towed by or attached to any motorized vehicle.
• Cash, bullion, travelers checks, tickets, credit or debit cards, and any other
negotiable instruments.
• Computer software.
• Damaged/non-working items.
• Formal attire including, but not limited to, cocktail dresses, tuxedos,
gowns, and formal accessories.
• Items purchased for resale, professional, or commercial use.
• Items purchased outside of the United States.
• Items that have been altered.
• Jewelry, art objects, rare or precious coins or stamps, antiques, and
collectible items.
• Medical equipment.
• Perishables, consumables and limited-life items including, but not limited
to, rechargeable batteries.
• Real estate and items which are intended to become part of real estate
including, but not limited to, items that are hard-wired or hard-plumbed,
garage doors, garage door openers, and ceiling fans.
• Seasonal items including, but not limited to, holiday decorations.
What if the store offers a guarantee?
This benefit is designed to cover you if the store will not allow you to return
the item for a refund, exchange or credit. Please Note: If you le a claim
within the first 30 days of purchase, you may be asked to submit proof of
the store’s return policy.
Filing a Return Protection Claim
How do I file a claim?
1. If you’re not satisfied with a purchase made with your card and the item
cannot be returned, call the Benet Administrator at 1-888-565-8472, or
call collect outside the U.S. at 1-303-967-1096 within ninety (90) days of
the date of purchase. The customer service representative will ask you for
some preliminary information about your claim and send you a claim form.
2. Within thirty (30) days of the date of your call, return the completed claim
form with your original itemized sales receipt and original card receipt
showing that the entire purchase was made with your card to:
Card Benefit Services
P.O. Box 2894
Great Falls, MT 59403
3. A customer service representative will contact you after receiving your
claim paperwork. If additional documents are requested, you will have an
additional sixty (60) days to fulll that request. After the claim paperwork
is complete, you will be given instructions for shipping the item with its
original packaging and any applicable manuals and warranties to Card
Benet Services at your expense. Please Note: The item must be received
in like-new/good working condition for your claim to be approved.
How will I be reimbursed?
After your claim is approved and the item has been received, the Benefit
Administrator will issue a refund for the purchase price of the item, up to a
maximum of ve hundred dollars ($500.00) per eligible item, one thousand
dollars ($1,000.00) annual maximum per account, less any applicable
shipping and handling fees.
ADDITIONAL PROVISIONS FOR RETURN PROTECTION
The Return Protection benefit is supplemental to, and excess of, any valid and
collectible avenue of recovery available to you, the eligible cardmember. The Benefit
Administrator will refund the excess amount once all other coverage has been
exhausted up to the limit of liability.
This benefit is available only to you, the eligible cardmember.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage
shall exist for such claim and your benefit may be canceled. Each cardmember
agrees that representations regarding claims will be accurate and complete. Any and
all relevant provisions shall be void in any case of fraud, intentional concealment, or
misrepresentations of material fact.
After the Benefit Administrator has paid your claim, all rights and remedies against any
party in respect of this loss will be transferred to the Benefit Administrator to the extent
of the payment made to you. You must give the Benefit Administrator all assistance as
may reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought against the Provider until sixty (60) days
after the Provider receives Proof of Loss. No legal action against the Provider may be
brought more than two (2) years after the time for giving Proof of Loss. Further, no legal
action may be brought against the Provider unless all the terms of this Guide to Benefit
have been complied with fully.
This benefit is provided to eligible cardmembers at no additional cost. The terms
and conditions contained in this Guide to Benet may be modied by subsequent
endorsements. Modifications to terms and conditions may be provided via additional
Guide to Benefit mailings, statement inserts, or statement messages. The benefit
described in this Guide to Benefit will not apply to cardmembers whose accounts have
been suspended or canceled.
Termination dates may vary by financial institutions. Your financial institution can
cancel or non-renew the benet, and they do, they will notify you at least thirty (30)
days in advance. This information is a description of the benefit provided to you as
a cardmember. Indemnity Insurance Company of North America (“Provider”) is the
underwriter of this benefit and is solely responsible for its administration and claims.
The Benefit Administrator provides services on behalf of the Provider.
FORM #VRETPRO – 2013 (04/14) RP-O
ExTENdEd pROTECTION
What items are covered by Extended Protection?
The Extended Protection Benefit automatically doubles the time period
under the original manufacturer’s written U.S. warranty up to one (1)
additional year on eligible warranties of three (3) years or less when an item
is purchased entirely with your eligible card. As you read through the rest of
this Guide to Benefit, you will find answers to some of the most commonly
asked questions about the Benet. If you should have any further questions,
please call the Benet Administrator at 1-800-848-8819 at any time of the
day or night.
What items are not covered?
• Boats, automobiles, or other motorized vehicles and their motors,
equipment and accessories.
• Any parts and/or labor costs resulting from mechanical breakdown
or failure of a protected item, or any other obligation other than those
specifically covered under the terms of the original manufacturer’s written
U.S. warranty.
• Items purchased for resale, professional or commercial use.
• Real estate and items which are intended to become part of real estate.
• Computer software.
• Medical equipment.
• Real estate and items which are intended to become part of real estate,
including but not limited to items that are hard-wired or hard-plumbed,
garage doors, garage door openers, and ceiling fans.
• Rented or leased items or items purchased on an installment plan for which
the entire purchase price was not paid in full at the time of the occurrence.
• Used or pre-owned items.
Are gifts covered?
Yes, as long as you purchased the item with your eligible U.S. - issued card and
it meets the terms and conditions of the benefit. This benefit extends warranties
on most gifts that you give household members, friends and relatives.
Are purchases made outside the U.S. covered?
Yes, as long as you purchased the item entirely with your eligible card and
the eligible item has a valid original manufacturer’s U.S. repair warranty,
store purchased dealer warranty or assembler warranty of three (3) years
or less.
Do I need to register my purchases?
No. Your eligible purchases are automatically covered.
Do I need to keep copies of receipts or any other records?
Yes. If you want to file a claim, you will need copies of your card receipt,
your store receipt, and the original manufacturer’s written U.S. warranty, and
any other applicable warranty.
How do I file an Extended Protection claim?
Call the Benet Administrator at 1-800-848-8819 immediately upon
learning of a product failure. Please note: If you do not give such notice
within sixty (60) days after the product failure, your claim may be
denied.
The Benefit Administrator will ask you for some preliminary claim
information, direct you to the appropriate repair facility, and send you the
appropriate claim form. This claim form must be completed, signed and
returned with all the requested documentation within ninety (90) days
of the product failure.
Gift recipients of eligible items are also covered by the claims process, if
desired. However, a gift recipient must provide all the documents necessary
to fully substantiate the claim.
What documents do I need to submit with my claim?
• Your completed and signed claim form.
• Your card receipt.
• The itemized store receipt.
• A copy of the original manufacturer’s written U.S. warranty and any other
applicable warranty.
• A description and serial number of the item, and any other documentation
deemed necessary to substantiate your claim. This includes bills and, if
necessary, a copy of the maintenance record and receipts.
• The original repair order.
All claims must be fully substantiated.
How will I be reimbursed?
Once your claim has been verified, the item will be repaired or replaced
at the Benefit Administrator’s discretion, but for no more than the original
purchase price of the covered item up to a maximum of $10,000 as
recorded on your card receipt and $50,000 maximum per cardmember.
Extended Protection will pay the facility directly for repairs, if possible, or you
may go to an authorized repair facility and file a claim for reimbursement.
Only valid and reasonable repairs made at the manufacturer’s
authorized repair facility are covered.
In either case, the Benefit Administrator’s payment, replacement, or repair
made in good faith will fulfill the obligation under the benefit.
Under normal circumstances, reimbursement will take place within ve (5)
business days of receipt and approval of all required documents.
Do I have to file a claim with my insurance company?
No, However if you have purchased or received a service contract or
extended warranty, Extended Protection is supplemental to and excess of
that coverage.
Additional provisions for Extended Protection: This benefit applies only to you,
the cardmember, and to whomever receives the eligible gifts you purchase with your
eligible card.
You shall use due diligence and do all things reasonable to avoid or diminish any loss
or damage to property protected by this benefit. This provision will not be unreasonably
applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including,
but not limited to, the cost of repair services, no coverage shall exist for such claim
and your benefits may be canceled. Each cardmember agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be
void in any case of fraud, intentional concealment, or misrepresentation of material fact
by the cardmember.
Once you report an occurrence, a claim file will be opened and shall remain open for
six (6) months from the date of the damage. No payment will be made on a claim that
is not completely substantiated in the manner required by the Benet Administrator
within six (6) months of the date of damage.
After the Benefit Administrator has paid your claim of loss or damage, all your rights
and remedies against any party in respect of this loss or damage will be transferred to
the Benefit Administrator to the extent of the payment made to you. You must give the
Benet Administrator all assistance as may reasonably be required to secure all rights
and remedies.
No legal action for a claim may be brought against us until sixty (60) days after we
receive Proof of Loss. No legal action against us may be brought more than two (2)
years after the time for giving Proof of Loss. Further, no legal action may be brought
against us unless all the terms of this policy have been complied with fully.
This benefit is provided to eligible cardmembers at no additional cost. The terms
and conditions contained in this Guide to Benet may be modied by subsequent
endorsements. Modifications to the terms and conditions may be provided via
additional Guide to Benefit mailings, statement inserts, or statement messages.
The benefit described in this Guide to Benefit will not apply to cardmembers whose
accounts have been suspended or canceled.
Termination dates may vary by nancial institutions. Your Financial Institution can
cancel or non-renew the benet, and if we do, we will notify you at least thirty (30) days
in advance. This information describes the benefit provided to you as a cardmember. It
is insured by Indemnity Insurance Company of North America.
Form# VEPcons 3y (04/10)
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 1-888-963-7036.
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:
For additional information, or for country-specic, toll-free telephone
numbers not listed above, visit our Web site at mastercard.com or call the
United States collect at 1-636-722-7111.
Account Information and Card Benefits
Contact your World Elite MasterCard card issuer directly for account
information and card benefits.
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
ATM Locations
Call 1-800-4CIRRUS (1-800-424-7787) to nd the location of a nearby
ATM in the MasterCard ATM Network accepting MasterCard,
®
Maestro,
®
and
Cirrus
®
brands. Also, visit our Web site at 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 Identication Number (PIN)
before you travel.
auTO RENTaL COLLISION daMaGE WaIVER
What is this benefit?
When certain terms and conditions are met, the Auto Rental Collision
Damage Waiver benet (“Auto Rental CDW”) provides—at no additional
charge—reimbursement for damage due to collision or theft up to the
actual cash value of most rental vehicles. In your country of residence, this
benefit is supplemental to, and excess of, any valid and collectible insurance
from any other source. We will reimburse only for that damage or theft not
payable by any other party. Here are answers to some commonly asked
questions about the benet.
Who is eligible?
You are eligible only if you are a valid cardmember whose name is
embossed on an eligible U.S.-issued card. Only you as the primary renter
of the vehicle and any additional drivers permitted by the auto rental
agreement are covered.
What is covered?
Subject to the terms and conditions in this Guide to Benefits, Auto Rental
CDW reimburses you for the deductible portion of your personal automobile
insurance, valid administrative and loss-of-use charges imposed by the
rental car company, as well as reasonable towing charges resulting from
covered damage or theft of the rental vehicle while it is your responsibility.
If you do not have personal automobile insurance or any other insurance
covering this loss, this benefit reimburses you for the covered damage
or theft as well as valid administrative and loss-of-use charges imposed
by the auto rental company and reasonable towing charges. Only vehicle
rental periods that neither exceed nor are intended to exceed fifteen
(15) consecutive days within your country of residence or thirty-one (31)
consecutive days outside your country of residence are covered.
The benefit provides reimbursement up to the actual cash value of
the vehicle as it was originally manufactured. Most private passenger
automobiles, minivans, and sport utility vehicles are eligible, but some
restrictions may apply. Please contact the Benet Administrator to inquire
about a specific vehicle. Within your country of residence, this benefit
supplements, and applies excess of, any valid and collectible
insurance or reimbursement from any source. This means that,
subject to the terms and conditions of this Guide to Benefits, Auto
Rental CDW applies to losses or expenses that are not covered by
insurance or reimbursement.
Covered losses are:
• Physical damage and/or theft of the covered rental vehicle.
• Valid loss-of-use charges imposed and substantiated by the auto rental
company through a fleet utilization log.
• Reasonable and customary towing charges, due to a covered loss, to the
nearest qualied repair facility.
How do I activate this benefit?
For the benet to be in effect, you must:
• Initiate and complete the entire rental transaction with your eligible card, and
• Decline the auto rental company’s collision damage waiver (CDW/LDW) option,
or similar provision, if offered by the auto rental company.
Helpful hints:
• Check the rental vehicle for prior damage before leaving the rental lot.
• Review the auto rental agreement carefully to make sure you are declining
CDW/LDW and also to familiarize yourself with the terms and conditions of the
auto rental agreement.
What do I do if I have an accident or the rental vehicle is stolen?
Immediately call the Benet Administrator at 1-800-348-8472 to report the
theft or damage regardless of whether your liability has been established.
If you are outside the United States, call collect at 1-804-673-1164. The
Benet Administrator will answer any questions you or the rental agency
may have and will then send you a claim form.
All incidents must be reported immediately following the theft or damage,
but in no event later than forty-ve (45) days* following the date of the
theft or damage. Furthermore, we reserve the right to deny any claim
that contains charges that would not have been included had the Benefit
Administrator been notified before those expenses were incurred. We
therefore advise you to notify us immediately after any loss. You must make
every reasonable effort to protect the rental vehicle from damage or theft.
What is not covered?
• Any obligation you assume under any agreement (other than the deductible
under your personal auto policy).
• Any violation of the auto rental agreement or this benet.
• Injury of anyone or damage to anything inside or outside the rental vehicle.
• Loss or theft of personal belongings.
• Personal liability.
• Expenses assumed, waived, or paid by the rental agency or its insurer.
• Cost of any insurance or collision damage waiver offered by or purchased
through the auto rental company.
• Depreciation of the rental vehicle caused by loss or damage including, but not
limited to “diminished value.”
• Expenses reimbursable by your insurer, employer, or employer’s insurance.
• Loss due to intentional acts, or due to the driver(s) being under the inuence of
alcohol, intoxicants, or drugs, or due to contraband or illegal activities.
• Wear and tear, gradual deterioration, or mechanical breakdown.
• Items not installed by the original manufacturer.
• Loss due to off-road operation of the rental vehicle.
• Loss due to hostility of any kind (including, but not limited to, war, invasion,
rebellion, or insurrection).
• Conscation by authorities.
• Vehicles that do not meet the denition of covered vehicles.
• Rental periods that either exceed or are intended to exceed fteen (15)
consecutive days within your country of residence or thirty-one (31)
consecutive days outside your country of residence.
• Leases and mini leases.
• Loss or damage as a result of the cardmember’s lack of reasonable care in
protecting the rental vehicle before and after damage occurs (for example,
leaving the vehicle running and unattended).
• Losses reported more than forty-ve (45) days* from the date of loss.
• Losses for which a claim form has not been received within ninety (90) days*
from the date of loss.
• Losses for which all required documentation has not been received within 365
days from the date of loss.
• Losses from rental transactions which originated in Israel, Jamaica, the
Republic of Ireland, or Northern Ireland.
What if the auto rental company insists that I purchase the auto rental
company’s auto insurance or collision damage waiver?
Call the Benet Administrator at 1-800-348-8472 for help. If you are
outside the United States, call collect at 1-804-673-1164.
When and where do I have this benefit?
This benet is available in the United States and most foreign countries.
No benefit is provided for motor vehicles rented in Israel, Jamaica,
the Republic of Ireland, or Northern Ireland. Additionally, this benefit is
not available where precluded by law or in violation of the territory terms of
the auto rental agreement or prohibited by individual merchants. Because
regulations vary outside the United States, we recommend you check
with your auto rental company and the Benefit Administrator before
you travel to make sure Auto Rental CDW will apply.
This benefit is in effect while the rental vehicle remains in your control or in
the control of a person permitted to operate the rental vehicle in accordance
with the rental agreement between you and the auto rental company. This
benet terminates when the auto rental company re-assumes control of the
rental vehicle.
How does this benefit apply?
Within your country of residence, Auto Rental CDW supplements, and applies
excess of, any valid and collectible insurance or reimbursement from any
source. It does not duplicate insurance provided by or purchased through the
auto rental company; it will not pay for losses reimbursed by your own insurer,
employer, employer’s insurance, or any other valid and collectible insurance;
however, it will pay for the outstanding deductible portion or other charges,
including valid administration and loss-of-use charges not covered by your
applicable automobile insurance policy. Outside your country of residence or if
you do not have automobile insurance, this benefit is primary in those countries
where it is available, and in that case, you do not have to claim payment from
any other source of insurance before receiving the benefits.
What types of rental vehicles are not covered?
Excluded worldwide are: expensive, exotic, and antique automobiles; certain
vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and
motorbikes; limousines; and recreational vehicles.
Examples of excluded expensive or exotic automobiles are the Aston Martin,
Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini,
Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW,
Mercedes-Benz, Cadillac, and Lincoln are covered.
An antique automobile is dened as any vehicle over twenty (20) years old
or any vehicle that has not been manufactured for ten (10) years or more.
This benefit is provided for only those vans manufactured and designed to
transport a maximum of eight (8) people and which is used exclusively to
transport people.
If you have any questions regarding a specic vehicle, call the Benet
Administrator at 1-800-348-8472. If you are outside the United States, call
collect at 1-804-673-1164.
What do I need from the auto rental company in order to file an Auto
Rental CDW claim?
At the time of the damage or theft, or when you return the rental vehicle,
immediately ask the auto rental company for:
• A copy of the Accident Report Form and claim document, which should indicate
the costs you are responsible for and any amounts that have been paid toward
the claim.
• A copy of the initial and nal auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.
How do I file a claim?
You, the cardmember, are responsible for reporting your claim to the
Benefit Administrator immediately, but in no event later than forty-five
(45) days* from the date of theft or damage, or your claim may be
denied. Notice to any other party will not sufce. Furthermore, we reserve
the right to deny any claim that contains charges that would not have been
included had the Benefit Administrator been notified before those expenses
were incurred. We therefore advise you to notify us immediately after any
theft or damage.
Mail the following documentation to the Benefit Administrator:
• The completed and signed Auto Rental CDW Claim Form. Your completed
claim form must be postmarked within ninety (90) days* of the date of
the damage or theft, even if all other required documentation is not yet
available, or your claim may be denied.
• A copy of your receipt or monthly billing statement as proof that the entire
vehicle rental was charged and paid for with your eligible card.
• A statement from your insurance carrier (and/or your employer or
employer’s insurance carrier, if applicable) or other reimbursement
showing the costs for which you are responsible and any amounts that
have been paid toward the claim. Or, if you have no applicable insurance
or reimbursement, please provide a notarized statement to that effect.
• A copy of the declaration page from your automobile insurance carrier.
Enclose all the documents you received from the auto rental company:
• A copy of the Accident Report Form.
• A copy of the entire auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.
• Any other documentation deemed necessary by the Benet Administrator to
substantiate the claim.
If you experience difficulty in obtaining all the required documents
within ninety (90) days* of the date of theft or damage, just submit the
claim form and any documentation you already have available. NOTE:
All remaining documents must be postmarked within 365 days of the
date of theft or damage.
Do I have to do anything else?
Usually not. Under normal circumstances, the claim will be paid within
fteen (15) days after the Auto Rental CDW Benet Administrator has
received all documentation necessary to fully substantiate your claim.
However, after the Benet Administrator has paid your claim, all your rights
and remedies against any party in respect of this theft or damage will be
transferred to the Benefit Administrator to the extent of the cost of payment
made to you.
You must give the Benefit Administrator all assistance as may reasonably be
required to secure all rights and remedies.
* Not applicable to residents of certain states.
Additional Provisions for Auto Rental CDW: You must make every effort that would
be made by a reasonable and prudent person to protect the Rental Vehicle from
damage or theft. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including,
but not limited to, the cost of repair services, no coverage shall exist for such claim
and your benefits may be canceled. Each cardmember agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be
void in any case of fraud, intentional concealment, or misrepresentation of material fact
by the cardmember.
Once you report an occurrence, a claim file will be opened and shall remain open
for six (6) months from the date of the damage or theft. No payment will be made on
a claim that is not completely substantiated in the manner required by the Benet
Administrator within twelve (12) months of the date of damage or theft.
No legal action for a claim may be brought against us until sixty (60) days after we
receive Proof of Loss. After the expiration of three (3) years from the time written
Proof of Loss was to be provided, no action shall be brought to recover on this benet.
Further, no legal action may be brought against us unless all the terms of this Guide to
Benefits have been complied with fully.
This benefit is provided to eligible cardmembers at no additional cost. The terms
and conditions contained in this Guide to Benets may be modied by subsequent
endorsements. Modifications to the terms and conditions may be provided via
additional Guide to Benefits mailings, statement inserts, or statement messages.
The benefit described in this Guide to Benefits will not apply to cardmembers whose
accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Your financial institution can
cancel or non-renew the benet, and if we do, we will notify you at least thirty (30)
days in advance. This information is a description of the benefit provided to you as a
cardmember. It is insured by Indemnity Insurance Company of North America.
FORM #VCCDW01 (04/10)
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 cardmembers.
Please keep in mind that Travel Assistance Services is not insurance
coverage and 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 trip to
conrm whether or not services are available at your destination(s).
MasterTrip
®
Travel Assistance
• Before you begin your trip, MasterTrip provides information on travel
requirements, including documentation (visas, passports), immunizations,
or currency exchange rates. The exchange rate provided may differ from
the exact rate that issuers use for transactions on your card. Information
on exchange rates for items billed on your statement should be obtained
from the financial institution that issued your card. MasterTrip 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.
Travel Services Medical Assistance
• Provides a global referral network of general physicians, dentists,
hospitals, and pharmacies. 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 cardmember’s expense). If a tragedy occurs, we’ll assist
in securing travel arrangements for you and your travel companion(s).
MasterLegal
®
Referral Service
• Provides you with English-speaking legal referrals or consultations with
appropriate embassies 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.
TRaVEL aCCIdENT INSuRaNCE
WHEN BENEFITS APPLY: As a World Elite MasterCard cardmember of
Barclays Bank Delaware (Barclaycard) you, your spouse or domestic partner
and unmarried dependent children will be automatically insured against
accidental loss of life, limb, sight, speech or hearing while riding as a
passenger in, entering or exiting any licensed common carrier, provided the
entire cost of a passenger fare(s), less redeemable certicates, vouchers
or coupons, has been charged to your Barclaycard World Elite MasterCard
account. Coverage is also provided for common carrier travel (including taxi,
bus, train or airport limousine); immediately, a) preceding your departure,
directly to the airport, terminal or station, b) while at the airport, terminal
or station, and c) immediately following your arrival at the airport, terminal
or station of your destination. If the entire cost of the passenger fare has
not been charged prior to your arrival at the airport, terminal or station,
coverage begins at the time the entire cost of the travel passenger fare is
charged to your World Elite MasterCard account. 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.
This coverage does not include Commutation which is defined as travel
between the Insured Person’s residence and regular place of employment.
$250,000
Worldwide Automatic
Travel Accident Insurance,
Baggage Delay, and
Trip Cancellation/
Interruption Insurance
BENEFITS
COMMON CARRIER ACCIDENTAL DEATH & DISMEMBERMENT: The full
Benefit Amount of $250,000 is payable for accidental loss of life, two or
more members, sight of both eyes, speech and hearing or any combination
thereof. One half of the Benefit Amount is payable for accidental loss of:
one member, sight of one eye, speech or hearing. “Member” means hand
or foot. One quarter of the Benet Amount is payable for the accidental
loss of the thumb and index finger of the same hand. “Loss” means, with
respect to a hand, complete severance through or above the knuckle joints
of at least 4 fingers on the same hand; with respect to a foot, complete
severance through or above the ankle joint. The Company will consider it
a loss of hand or foot even if they are later reattached. “Benefit Amount”
means the Loss amount applicable at the time the entire cost of the
passenger fare is charged to a Barclaycard World Elite MasterCard account.
The loss must occur within one year of the accident. The Company will
pay the single largest applicable Benefit Amount. In no event will duplicate
request forms or multiple charge cards obligate the Company in excess
of the stated Benefit Amounts for any one loss sustained by any one
individual insured as the result of any one accident. In the event of multiple
accidental deaths per account arising from any one accident, the Company’s
liability for all such losses will be subject to a maximum limit of insurance
equal to three times the Benet Amount for loss of life. Benets will be
proportionately divided among the Insured Persons up to the maximum limit
of insurance.
IMPORTANT DEFINITIONS: Accident or Accidental means a sudden,
unforeseen, and unexpected event which: 1) happens by chance;
2) arises from a source external to the Insured Person; 3) is independent of
illness, disease or other bodily malfunction or medical or surgical treatment
thereof; 4) occurs while the Insured Person is insured under this policy which
is in force; and 5) is the direct cause of loss.
Company means Federal Insurance Company, also referred to as We, Us,
or Our.
Dependent Child(ren) means those children, including adopted children
and children placed for adoption, who are primarily dependent upon the
Insured Person for maintenance and support and who are: 1) under the age
of nineteen (19) and reside with the Insured Person; or 2) beyond the age of
nineteen (19), permanently mentally or physically challenged, and incapable
of self support; or 3) under the age of twenty-ve (25) and classied as a
full-time student at an institute of higher learning. Domestic Partner means
a person designated in writing by the primary insured person, who is at least
eighteen (18) years of age, and who during the past twelve (12) months:
1) has been in a committed relationship with the primary insured person;
and 2) has been the primary insured person’s sole spousal equivalent; and
3) has resided in the same household as the primary insured person; and
4) has been jointly responsible with the primary insured person for each
other’s financial obligation, and who intends to continue the relationship
above indefinitely.
BAGGAGE DELAY: We will reimburse the Insured Person up to the Daily
Benefit Amount of $100 per day for 3 days in the event of a Baggage Delay.
Our payment is limited to expenses incurred for the emergency purchase of
essential items needed by the Insured Person while on a covered trip and at a
destination other than the Insured Person’s primary residence. Essential items
not covered by Baggage Delay include, but are not limited to: 1) contact lenses,
eye glasses or hearing aids; 2) articial teeth, dental bridges or prosthetic
devices; 3) tickets, documents, money, securities, checks, travelers checks and
valuable papers; 4) business samples; 5) jewelry and watches; or 6) cameras,
video recorders and other electronic equipment.
The $300 benet amount is excess over any other insurance (including
homeowners) or indemnity (including any reimbursements by the airline,
cruise line, railroad, or station authority), available to the insured person. In
no event, will we pay more than $300 in any twelve (12) consecutive month
period regardless of the number of baggage delay claims made in that twelve
(12) month period. Baggage Delay means a delay or misdirection of the
Insured Person’s Baggage by a Common Carrier for more than twelve (12)
hours from the time the Insured Person arrives at the destination on the
Insured Person’s ticket.
TRIP CANCELLATION/INTERRUPTION: In the event of the Insured Person’s
Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/
Trip Interruption Benefit Amount of $1,500. Our payment will not exceed
either: 1) the actual Non−Refundable amount paid by the Insured Person for
a Common Carrier passenger fare(s); or 2) $1,500. The Insured Person will
relinquish to us any unused vouchers, tickets, coupons or travel privileges
for which we have reimbursed the Insured Person. The Trip Cancellation or
Trip Interruption of the Insured Person must be caused by or result from:
1) death, Accidental injury, disease or physical illness of the Insured Person
or an Immediate Family Member of the Insured Person; or 2) default of the
Common Carrier resulting from Financial Insolvency. The death, Accidental
injury, disease or physical illness must be verified by a Physician and must
prevent the Insured Person from traveling on a Covered Trip. Financial
Insolvency means the inability of the entity to provide travel services
because it has ceased operations either following the filing of a petition
for bankruptcy, whether voluntary or involuntary, or because it has ceased
operations as a result of a denial of credit or the inability to meet financial
obligations. Non–Refundable means amount of money paid by or on
behalf of the Insured Person for a Covered Trip which will be forfeited under
the terms of the agreement made with the Common Carrier for unused
travel arrangements and for which a travel agent or travel supplier will not
provide any other form of compensation. Pre−Existing Condition means
Accidental injury, disease or illness of the Insured Person or Immediate
Family Member of the Insured Person which occurs or manifests itself
during the sixty (60) day period immediately prior to the purchase date of
a Common Carrier passenger fare(s). Disease or illness has manifested
itself when: 1) medical care or treatment has been given; or 2) there exists
symptoms which would cause a reasonably prudent person to seek medical
diagnosis, care or treatment. The taking of prescription drugs or medication
for a controlled condition throughout this sixty (60) day period will not be
considered to be a manifestation of illness or disease. Trip Cancellation
means the cancellation of Common Carrier travel arrangements when the
Insured Person is prevented from traveling on a Covered Trip on or before
the Covered Trip departure. Trip Interruption means the Insured Person’s
Covered Trip is interrupted either on the way to the point of departure or
after the Covered Trip departure. Immediate Family Member means
spouse, domestic partner, Dependent Child or Children or other relatives
residing with the Insured Person.
ELIGIBILITY: This travel insurance plan is provided to Barclaycard World Elite
MasterCard cardmembers, automatically when the entire cost of a Common
Carrier passenger fare(s) is charged to a World Elite MasterCard account while
the insurance is effective. It is not necessary for you to notify Barclaycard, the
administrator or the Company when tickets are purchased.
THE COST: This travel insurance plan is provided at no additional cost to
eligible World Elite MasterCard cardmembers of Barclaycard.
BENEFICIARY: The Loss of Life benet will be paid to the beneciary
designated by the insured.
If no such designation has been made, that benefit will be paid to the first
surviving beneciary in the following order: a) the Insured’s spouse, b) the
Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and
sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured.
EXCLUSIONS: This insurance does not cover loss resulting from: 1) an
Insured’s emotional trauma, mental or physical illness, disease, pregnancy,
childbirth or miscarriage, bacterial or viral infection (except bacterial
infection caused by an accident or from accidental consumption of a
substance contaminated by bacteria), or bodily malfunctions; 2) suicide,
attempted suicide or intentionally self inicted injuries; 3) declared or
undeclared war, but war does not include acts of terrorism; 4) travel
between the Insured Person’s residence and regular place of employment;
5) an accident occurring while an Insured is in, 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.
CLAIM NOTICE: Written claim notice must be given to the Company
within 20 days after the occurrence of any loss covered by this policy or as
soon as reasonably possible. Failure to give notice within 20 days will not
invalidate or reduce any otherwise valid claim if notice is given as soon as
reasonably possible.
CLAIM FORMS: When the Company receives notice of a claim, the
Company will send you forms for giving proof of loss to us within 15 days.
If you do not receive the forms, you should send the Company a written
description of the loss.
CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within
90 days after the date of loss, or as soon as reasonably possible. Failure to
give complete proof of loss within these time frames will not invalidate any
otherwise valid claim if notice is given as soon as reasonably possible and in
no event later than one (1) year after the deadline to submit complete proof
of loss.
CLAIM PAYMENT: For all benets, the Company will pay you or your
beneficiary the applicable benefit amount within 60 days after complete
proof of loss is received and if you, the Policyholder and/or the beneficiary
have complied with all the terms of this policy.
EFFECTIVE DATE: This insurance is effective 5/1/14 or on the date that you
become a World Elite MasterCard cardmember, whichever is latest; and will
cease on the date the Master Policy 9906-88-49 is terminated or on the
date your Barclaycard World Elite MasterCard account ceases to be in good
standing, whichever occurs first.
As a handy reference guide, please read this and keep it in a safe place
with your other insurance documents. This description of coverage is not a
contract of insurance but is simply an informative statement of the principal
provisions of the insurance while in effect. Complete provisions pertaining
to this plan of Insurance are contained in the master policy on file with the
Policyholder: Barclaycard. If this plan does not conform to your state statutes,
it will be amended to comply with such laws. If a statement in this description
of coverage and any provision in the policy differ, the policy will govern.
Answers to specic questions can be obtained by writing the Plan
Administrator. To make a claim please contact the Plan Administrator.
PLAN ADMINISTRATOR:
CBSI Services
550 Mamaroneck Ave.,
Suite 309
Harrison, NY 10528
aCCOuNT aNd BILLING INfORMaTION
Important: Contact your card-issuing nancial 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.
Plan Underwritten By
Federal Insurance Company
a member insurer of the
Chubb Group of Insurance Companies
15 Mountain View Road,
P.O. Box 1615
Warren, NJ 07061-1615
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 an issuer’s, or the
actual offerings, such master policies or actual offering shall control.
©2014 MasterCard International Incorporated BAR-4667-4
