Accident or Accidental means a sudden, unforeseen, and unexpected event which: happens by chance;
is independent of illness and disease and is the direct source of Loss.
Accidental Bodily Injury means Bodily Injury, which: 1) is Accidental; 2) is the direct cause of a Loss;
and 3) occurs while the Insured Person is insured under this policy, which is in force.
Account means Your credit or debit card Accounts.
Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is purchased
with an eligible Account and/or rewards programs associated with Your covered Account.
Common Carrier means any licensed land, water or air conveyance operated by those whose
occupation or business is the transportation of persons or things without discrimination and for hire.
Covered Trip means travel on a Common Carrier when the entire cost of the passenger fare for such
transportation, less redeemable certificates, vouchers, or coupons, has been purchased with an Insured
Person’s covered card Account and/or rewards programs associated with Your covered Account issued by
the Policyholder.
Dependent Child or Children means those Children, including adopted Children and those Children
placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support,
and who are: 1) under the age of nineteen (19), and reside with the Insured Person; 2) beyond the age of
nineteen (19), permanently mentally or physically challenged, and incapable of self-support; or 3) under
the age of twenty-five (25) and classified as full-time students at an institution of higher learning.
Domestic Partner means a person who is registered as a Domestic Partner or legal equivalent under
laws of the governing jurisdiction, or who: 1) is at least 18 years of age and competent to enter into a
contract; 2) is not related to the Primary Insured Person by blood; 3) has exclusively lived with the
Primary Insured Person for at least twelve (12) consecutive months. 4) is not legally married or
separated; and 5) has with the Primary Insured Person at least two (2) of the following financial
arrangements: a) a joint mortgage or lease; b) a joint bank account; c) joint title to or ownership of a
motor vehicle or status a joint lessee on a motor vehicle lease; or d) a joint credit card account with a
financial institution.
Immediate Family Member means the Insured Person's: 1) Spouse or Domestic Partner; 2) children
including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5)
parents or parents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews.
Immediate Family Member also means a Spouse's or Domestic Partner's children, including adopted
children or step children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law;
grandparents or grandchildren; aunts or uncles; nieces or nephews.
Insured Person means the individual or entity to whom the Policyholder has issued an Account, as well
as authorized users of the Account registered with the Policyholder. Insured Person also means the
Insured Person’s Spouse or Domestic Partner and Dependent Children.
Member means hand or foot.
Pre-existing Condition means Accidental Bodily Injury, disease, or illness of the Insured Person or
Immediate Family Member of the Insured Person which occurs or manifests itself during the sixty (60)
day period immediately prior to the purchase date of a Common Carrier passenger fare(s). Disease or
illness has manifested itself when either: 1) medical care or treatment has been given; or 2) there exists
symptoms which would cause a reasonably prudent person to seek medical diagnosis, care or treatment.
The taking of prescription drugs or medication for controlled (continued) condition throughout this sixty
(60) day period will not be considered to be a manifestation of illness or disease.