Important information. Please read and save.
This Guide supersedes any guide or program description
You may have received earlier. This Guide to Benefits contains
detailed information about benefits available to You as a Visa
Signature cardholder. All benefits may not be listed in this
Guide to Benefits. For more information about all the benefits
available to you, visit the Rewards and Benefits section of
the ustomer website at BarclaysUS.com.
Visa Signature
®
Visa Guide to Benefits
Benefits that are always with You
Cardholder
Guide to Benets
BAR-7265-6
Welcome to Your new Guide to
Benefits. Please read carefully, each
benefit description provides You with
the details on what coverage You have
and any exclusions and restrictions.
This Guide includes important details about the
benefits that come with Your card. Review this
Guide and keep it in a safe place so You know
how to make the most of Your benefits when
You need them.
The benefits, as described in this Guide, apply to
purchases made with Your Visa Signature Card
on or after the effective date, and this Guide
then replaces any Summary or other program
description You may have received earlier.
From time to time benefits may be modified,
updated or removed. All benefits may not be
listed in this Guide to Benefits. Please go to the
Rewards and Benefits section of the customer
website at BarclaysUS.com for more information
about all the benefits available to you and to view
your current Guide to Benefits.
1
Questions about these benefits? Call: 844-252-7831
Key Terms 2
Extended Warranty Protection
4
ID Theft Protection
TM
9
Concierge Services
10
Travel and Emergency Assistance Services
11
Trip Cancellation & Trip Interruption
Insurance
14
Baggage Delay
23
Travel Accident Insurance
27
Auto Rental Collision Damage Waiver
33
Road Side Dispatch
39
Cellular Telephone Protection
41
Account and Billing Information
43
Legal Disclosure
44
| TABLE OF CONTENTS
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Questions about these benefits? Call: 844-252-7831
| KEY TERMS
The terms below provide definitions for the
bolded words used throughout the document.
More specific terms are included in individual
benefit explanations, where appropriate, and
supersed the terms here.
Administrator means Sedgwick Claims Management Services,
Inc for all benefits other than Warranty Manager Services and
Auto Rental CDW. The administrator is Card Benefit Services for
Warranty Manager Service and Auto Rental CDW. You may contact
the administrator if You have questions regarding this coverage or
would like to make a claim. The administrator can be reached by
phone at. Authorized User means an individual who is authorized
to make purchases on the covered card by the cardholder and
is recorded by the Participating Organization on its records as
being an authorized user. Cardholder means the person who
has been issued an account by the Participating Organization
for the covered card. Charge means any non-refundable amount
paid to a travel supplier. Common carrier means an air, land
or water motorized transportation carrier operating under a
regularly published schedule and current license as required by
law for the conveyance of passengers. Common carrier does not
include helicopters, taxis, rental cars, hired cars and private and
contract carriers. Covered card means the Visa Signature Card.
Destination means the place where You expect to travel on Your
trip as indicated on Your common carrier ticket. Domestic partner
means an unmarried person in an intimate, committed relationship
of mutual caring. They must share responsibility for basic living
expenses with You. They must be at least eighteen (18) years old
and not currently married and/or committed to another person.
Evidence of Coverage (EOC) means the document describing
the terms, conditions, and exclusions. The EOC, Key Terms, and
Legal Disclosures are the entire agreement between You and
Us. Representations or promises made by anyone that are not
contained in the EOC, Key Terms, or Legal Disclosures are not
a part of Your coverage. Family member means the spouse or
domestic partner of You. It includes unmarried children of You
under nineteen (19) years of age. It also includes unmarried
children under twenty-six (26) years of age if a full-time student
at an accredited college or university. Injury means bodily
injury caused by an accident that occurs while You are covered
under this program, and results directly and independently
of all other causes of loss. The injury must be verified by a
3
Questions about these benefits? Call: 844-252-7831
physician. Medically imposed restrictions means a restriction
certified by Your physician prohibiting You from traveling on a
common carrier. Physician means a licensed medical, surgical, or
dental practitioner acting within the scope of his or her license.
The treating physician may not be You, Your family member,
a traveling companion or related to You by blood. Return
destination means the place to which You expect to return from
Your trip as indicated on Your common carrier ticket. Sickness
means an illness or disease that is diagnosed or treated by a
physician. Traveling companion means any individual(s) with
whom You have arranged to travel on the same trip with the
same itinerary and for which the cost of trip was charged to
Your covered card. Trip means a scheduled period of travel with
a destination away from Your primary residence and return
destination to Your primary residence using a common carrier.
Trip departure date means the date on which You are originally
scheduled to leave on Your trip. United States Dollars (USD)
means the currency of the United States of America. We, Us and
Our refer to New Hampshire Insurance Company, an AIG company.
You, Your and Yourself refer to the cardholder or authorized user
of the covered card.
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Questions about these benefits? Call: 844-252-7831
Benefit information in this guide replaces any prior
benefit information You may have received. Please
read and retain for Your records. Your eligibility is
determined by Your financial institution.
Definitions
Account means Your credit or debit card Accounts. Eligible
Person means a cardholder who pays for their purchase by using
their eligible Account and/or rewards program associated with
their covered Account. You or Your means an Eligible Person
who purchase their item to their eligible Account and/or rewards
program associated with their covered Account.
Extended Warranty Protection
Product warranties can be inconvenient and cumbersome to use.
Let’s say You purchased a great gadget about a year ago, but it
just stopped working, and You can’t find Your sales receipt and
warranty information. For all too common situations like these,
Extended Warranty Protection can help.
Extended Warranty Protection provides You with valuable
features that help You manage, use and extend the warranties
for eligible items purchased on Your covered Account and/
or rewards program associated with Your covered Account.
Services include Warranty Registration and Extended Protection.
You are eligible for this benefit if You are a cardholder of an
eligible card issued in the United States and You purchase either
a portion or the entire cost of the item using Your Account and/
or rewards program associated with Your covered Account.
Here’s how Warranty Registration works
When You purchase an eligible item that carries a
manufacturer’s warranty, You can register Your purchase by
calling 800-551-8472 or call collect outside the U.S. at
303-967-1096. You can also register Your purchase online
at cardbenefitservices.com.
The Benefit Administrator will tell You where to send Your item’s
sales receipt and warranty information, so they can be kept on
file should You need them.
EXTENDED WARRANTY
PROTECTION
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Questions about these benefits? Call: 844-252-7831
If You choose not to register Your item, be sure to keep Your
monthly billing statement reflecting the purchase, the itemized
sales receipt, the original manufacturer’s written U.S. warranty and
any additional warranty in a safe place. These documents will be
required to verify Your claim.
Here’s how Extended Protection works
Your warranty coverage can be doubled up to one (1) additional
year on eligible warranties of three (3) years or less. For example,
a manufacturer’s warranty of three (3) months would be provided
with an additional three (3) months of coverage for a combined
total of six (6) months of coverage, and a warranty for six (6)
months would be provided with an additional six (6) months of
coverage for a combined total of twelve (12) months of coverage.
However, if the manufacturer’s warranty is for three (3) years, it
would only be extended one (1) additional year for a combined
total of four (4) years of coverage.
This benefit is limited to no more than the original price of the
purchased item (as shown on Your credit card receipt), less
shipping and handling fees, up to a maximum of ten thousand
dollars ($10,000.00) per claim, and fifty thousand dollars
($50,000.00) per cardholder.
The benefit covers purchases made both inside and outside the
U.S. The eligible item must have a valid original manufacturer’s
U.S. repair warranty of three (3) years or less, store-purchased
dealer warranty, or an assembler warranty.
What Extended Protection does not cover
• Boats, automobiles, aircraft, 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
• Any costs other than those specifically covered under the terms
of the original manufacturer’s written U.S. repair warranty, as
supplied by the original manufacturer, or other eligible warranty
• Items purchased for resale, professional, or commercial use
• 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
• Computer software
• Medical equipment
• Used or pre-owned items (Refurbished items will be covered as
long as it has a warranty with it and would not be considered
used or pre-owned.)
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Questions about these benefits? Call: 844-252-7831
Filing an Extended Protection claim
To file a claim, call the Benefit Administrator at 800-551-8472
or call collect outside the U.S. at 303-967-1096, immediately
after the failure of Your covered item. Please note if You do not
notify the Benefit Administrator within sixty (60) days of
product failure, Your claim may be denied.
If You received or purchased a service
contract or an extended warranty when
You purchased Your item, this benefit
will be supplemental to, and in excess of,
that coverage.
The Benefit Administrator will request preliminary claim
information, direct You to the appropriate repair facility, and
send You the claim form. Gift recipients of eligible items are also
covered, but they must provide all the documents needed to
substantiate their claim.
What You must submit to file a claim
Fill out and sign the claim form the Benefit Administrator sent
You, then submit the form within ninety (90) days of the product
failure, along with the following documents:
• A copy of Your monthly billing statement (showing the last
four [4] digits of the Account number) demonstrating that the
purchase was made on Your eligible Account and/or rewards
program associated with Your covered Account
• If more than one method of payment was used, please provide
documentation as to additional currency, voucher, points
or any other payment method utilized
• A copy of the itemized sales receipt
• A copy of the original manufacturer’s written U.S. warranty,
and any other applicable warranty
• A description of the item and its serial number, 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 estimate or repair bill, indicating cause
of failure
• Any other documentation deemed necessary by the Benefit
Administrator to substantiate the claim
All claims must be fully substantiated.
For faster filing, or to learn more about Extended Warranty
Protection, visit cardbenefitservices.com.
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Questions about these benefits? Call: 844-252-7831
How You will be reimbursed
If You have substantiated Your claim and met the terms and
conditions of the benefit, Your item will be replaced or repaired
at the Benefit Administrator’s discretion, but for no more than
the original purchase price of the covered item, as recorded on
Your credit card receipt, less shipping and handling fees, up to a
maximum of ten thousand dollars ($10,000.00) per claim, and a
maximum of fifty thousand dollars ($50,000.00) per cardholder.
You will only be reimbursed up to the amount charged to Your
Account or the program limit, whichever is less.
Under normal circumstances, reimbursement will occur within
five (5) business days of the receipt and approval of all required
documents.
If Your item is to be repaired, 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 this
benefit.
Additional provisions for Extended Protection
• Signed or pinned transactions are covered as long as You use
Your eligible card to secure the transaction.
• You shall do all things reasonable to avoid or diminish any loss
covered 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, no coverage shall exist for such claim, and Your benefit
may be cancelled. Each cardholder 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.
• 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 the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional
cost. The terms and conditions contained in this Guide to
Benefits may be modified by subsequent endorsements.
Modifications to the terms and conditions may be provided
via additional Guide to Benefits mailings, statement inserts,
statement messages or electronic notification. The benefits
described in this Guide will not apply to cardholders whose
Accounts have been suspended or cancelled.
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Questions about these benefits? Call: 844-252-7831
Need to make a claim?
To file a claim call 800-551-8472
• Termination dates may vary by financial institutions. Your
financial institution can cancel or non-renew the benefits for
cardholders, and if they do, they will notify You at least thirty
(30) days in advance. Indemnity Insurance Company of North
America (“Provider”) is the underwriter of these benefits and is
solely responsible for its administration and claims. The Benefit
Administrator provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your
rights and remedies against any party in respect of this claim
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.
• This benefit does not apply to the extent that trade or economic
sanctions or other laws or regulations prohibit the provision of
insurance, including, but not limited to, the payment of claims.
For more information about the benefit described in this guide,
call the Benefit Administrator at 800-551-8472 or call collect
outside the U.S. at 303-967-1096.
9
Questions about these benefits? Call: 844-252-7831
If You believe You have been a victim
of Identity Theft call 844-252-7831
immediately to speak to a specialist
at no cost.
| ID THEFT PROTECTION
TM
ID Theft Protection (IDT) provides you with
access to Identity Theft resolution services, should
you believe you are a victim of Identity Theft.
Eligibility
All Barclays Visa credit cardholders in the US are eligible for
this coverage.
Access
Simply contact 844-252-7831 if you believe you have been
a victim of Identity Theft.
Services Provided
Resolution Services: You will have access to a team of
identity theft resolution specialists, available 24 hours a day,
365 days a year to help resolve your identity theft incident
and prevent further damage. The resolution specialists are
native speakers of English, French and Spanish, and are based
out of Bethesda, Maryland. Cardholders are given the option
to sign limited power of attorney (LPOA) to the specialist, to
allow them to conduct resolution activities on the cardholders’
behalf, including contacting police, credit agencies, and other
authorities, translating information, and closing and replacing
breached accounts.
Charges: There is no charge for these services, they are provided
by your financial institution.
Services NOT Provided:
• When it is determined you have committed any dishonest,
criminal, malicious or fraudulent act.
• When your financial institution or card issuer which provides
this service, has investigated the event and deemed you are
responsible 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.
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Questions about these benefits? Call: 844-252-7831
Program Provisions for ID Theft Protection:
This service applies only to you, the named Barclays cardholder.
You shall use due diligence and do all things reasonable to
avoid or diminish any loss or damage to property protected by
the program. The provider, Generali Global Assistance, relies
on the truth of statement made in the affidavit or declaration
from each cardholder.
This service is provided to eligible 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.
Barclays 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
Barclays 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 844-252-7831.
Save time and make Your life easier with the
complimentary Visa Signature Concierge service.
Just call anytime, 24 hours a day. The Visa Signature Concierge
service can help You find tickets to the top sports and
entertainment events, book travel, make dinner reservations,
and even help You find the perfect gift. To use the Visa Signature
Concierge service, call 800-953-7392. For calls outside the
United States, call Us collect.
Costs of any goods or services provided by the concierge will be
billed to Your Visa Signature Card.
| CONCIERGE SERVICES
Call 800-953-7392 any time of day or night
to speak to a concierge.
11
Questions about these benefits? Call: 844-252-7831
Benefit information in this guide replaces any prior
benefit information You may have received. Please
read and retain for Your records. Your eligibility is
determined by Your financial institution.
Definitions
Common Carrier means any mode of transportation by land, water
or air operating for hire under a license to carry passengers for
which a ticket must be purchased prior to travel. Does not include
taxi, limousine service, commuter rail or commuter bus lines. You
or Your means an eligible person whose name is embossed on an
eligible U.S. issued card, and You reside in the United States.
Travel and Emergency Assistance Services
Emergencies can escalate quickly when You are traveling away
from home. Something that is relatively straight forward when
You are not traveling, like replacing prescription medication,
can be a difficult task when You are dealing with local laws
or language barriers.
Travel and Emergency Assistance Services are made available to
help You in case of an emergency while You are traveling away
from home. The Benefit Administrator can connect You with the
appropriate local emergency and assistance resources available,
24 hours a day, 365 days a year.
Please note that due to occasional issues such as distance,
location, or time, neither the Benefit Administrator nor its
service providers can be responsible for the availability,
use, cost, or results of any medical, legal, transportation,
or other services.
What are Travel and Emergency Assistance Services and how
do I use these services when I need them?
Travel and Emergency Assistance Services are made available to
You, if You are a cardholder of an eligible card issued in the United
States. Your spouse and children (dependents under 22 years old)
are also eligible to use these services.
TRAVEL AND EMERGENCY
ASSISTANCE SERVICES
12
Questions about these benefits? Call: 844-252-7831
Travel and Emergency Assistance Services provide assistance
and referral only. You are responsible for the cost of any actual
medical, legal, transportation, cash advance, or other services
or goods provided.
To use the services, simply call the toll-free, 24-hour Benefit
Administrator line at 800-992-6029.
If You are outside the United States, call collect at
804-673-1675.
What are the specific services and how can they help me?
• Emergency Message Service – can record and relay emergency
messages for travelers or their immediate family members.
The Benefit Administrator will use reasonable efforts to
relay emergency messages in accordance with benefit
guidelines and limitations, but cannot take responsibility for
the failure to transmit any message successfully. All costs
are Your responsibility.
• Medical Referral Assistance – provides medical referral,
monitoring, and follow-up. The Benefit Administrator can give
You names of local English-speaking doctors, dentists, and
hospitals; assign a doctor to consult by phone with local medical
personnel, if necessary, to monitor Your condition; keep in
contact with Your family, and provide continuing liaison; and
help You arrange medical payments from Your personal account.
All costs are Your responsibility.
• Legal Referral Assistance – can arrange contact with English-
speaking attorneys and U.S. embassies and consulates if
You’re detained by local authorities, have a car accident, or
need legal assistance. In addition, the Benefit Administrator
can coordinate bail payment from Your personal account. The
Benefit Administrator can also follow up to make sure bail has
been properly handled. All costs are Your responsibility.
• Emergency Transportation Assistance – can help You make all
the necessary arrangements for emergency transportation
home or to the nearest medical facility. This includes arranging
to bring Your Young children home and helping You stay
in contact with family members or employers during the
emergency. In the case of a death, the Benefit Administrator
can make arrangements to repatriate the remains. All costs
are Your responsibility.
• Emergency Ticket Replacement – helps You through Your
carrier’s lost ticket reimbursement process and assists in the
delivery of a replacement ticket to You, should You lose Your
ticket. All costs are Your responsibility.
• Lost Luggage Locator Service – can help You through the
Common Carrier’s claim procedures or can arrange shipment
of replacement items if an airline or Common Carrier loses
Your checked luggage. You are responsible for the cost of any
replacement items shipped to You.
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Questions about these benefits? Call: 844-252-7831
• Emergency Translation Services – provides telephone assistance
in all major languages and helps find local interpreters, if
available, when You need more extensive assistance. All costs
are Your responsibility.
• Prescription Assistance and Valuable Document Delivery
Arrangements – can help You fill or replace prescriptions,
subject to local laws, and can arrange pickup and delivery of
Your prescriptions filled for You at local pharmacies. It can also
help transport critical documents that You may have left at Your
home or elsewhere. All costs are Your responsibility.
• Pre-Trip Assistance – can give You information on Your
destination before You leave such as ATM locations, currency
exchange rates, weather reports, health precautions, necessary
immunizations, and required passport visas.
Additional Provisions for Travel and Emergency
Assistance Services
This benefit is provided to eligible cardholders at no additional
cost. The terms and conditions contained in this Guide to Benefits
may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide
to Benefits mailings, statement inserts, statement messages
or electronic notification. The benefits described in this Guide
to Benefits will not apply to cardholders whose accounts have
been suspended or cancelled.
For more information about the benefit described in this
guide, call the Benefit Administrator at 800-992-6029,
or call collect outside the U.S. at 804-673-1675.
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Questions about these benefits? Call: 844-252-7831
Coverage is secondary to any other
applicable insurance or benefit available
to You including benefits provided by Your
airline such as exchanged tickets, goodwill
payments, refunds, credits, or vouchers.
TRIP CANCELLATION & TRIP
INTERRUPTION INSURANCE
Definitions
Accident or Accidental means a sudden, unforeseen, and
unexpected event which: 1) happens by chance; 2) arises from
a source external to the injured person; 3) is independent of
illness, disease or other bodily malfunction or medical or surgical
treatment thereof; 4) occurs while the Covered Person is insured
under this policy which is in force; and 5) is the direct cause of
loss. Accidental Bodily Injury means bodily injury, which is:
1) accidental; 2) the direct cause of loss; and 3) occurs while the
Covered Person is insured under this policy, which is in force.
Accidental Bodily Injury does not include conditions caused by
repetitive motion injuries, or cumulative trauma not a result of an
Accident, including, but not limited to: 1) Osgood-Schlatter’s Disease;
2) bursitis; 3) Chondromalacia; 4) shin splints; 5) stress fractures;
6) tendinitis; and 7) Carpal Tunnel Syndrome. Account means
eligble credit card accounts. Benefit Amount means the amount
stated above which applies: 1) at the time of loss; and 2) to the
Covered Person. Cardholder means an individual who is named on
the Account card issued by the Policyholder. Change Fees means
any fee imposed by a Travel Supplier to change the date and/or
time of prescheduled travel arrangements of a Trip that has not
been cancelled. Change Fees do not include a change in Common
Carrier fare, Licensed Provider of Lodging occupancy rate, or new
Common Carrier fares. Common Carrier means any commercially
licensed motorized land, water or air Conveyance, operated by
an organization organized and licensed for the transportation of
passengers for hire and operated by an employee or an individual
under contract. Company means Federal Insurance Company.
Conveyance means any motorized craft, vehicle or mode of
transportation licensed or registered by a governmental authority
with competent jurisdiction. Covered Person means Cardholders,
their Spouse or Domestic Partner and Dependent Children. Cruise
Line means a company that maintains a fleet of cruise ships and
markets cruises to the public. Dependent Child means the Insured
Person’s unmarried child from the moment of birth, including a
natural child, grandchild, stepchild or adopted child from the date of
15
Questions about these benefits? Call: 844-252-7831
TRIP CANCELLATION & TRIP
INTERRUPTION INSURANCE
placement with the Insured Person. The Dependent Child must be
primarily dependent upon such Insured Person for maintenance and
support, and must be under the age of twenty-six (26) or classified
as an Incapacitated Dependent Child. Domestic Partner means a
person designated by the Covered 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 Covered Person by
blood; 3) has exclusively lived with the Covered Person for at least
twelve (12) consecutive months prior to the date of enrollment;
4) is not legally married or separated; and 5) as of the date of
enrollment, has with the Covered Person at least two (2) of the
following financial arrangements: joint mortgage or lease; a joint
bank account; joint title to or ownership of a motor vehicle or status
as a joint lessee on a motor vehicle lease; or a joint credit card
account with a financial institution. Neither the Covered Person
nor the Domestic Partner can be married to, or in a civil union with,
anyone else. Effective Date means the day on which coverage
begins. Financial Insolvency means the inability of an 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. Host
at Destination means a person with whom the Covered Person is
sharing pre-arranged overnight accommodations at the host’s usual
principal place of residence. Immediate Family Member means
an individual with any of the following relationships to the Covered
Person: Spouse, and parents thereof; sons and daughters, including
adopted children and stepchildren, and spouses thereof; parents,
including stepparents, and spouses thereof; brothers and sisters,
and spouses thereof; grandparents and grandchildren, and spouses
thereof; aunts or uncles, and spouses thereof; nieces or nephews,
and spouses thereof; and Domestic Partner and parents thereof,
including domestic partners of any individual of this definition.
Immediate Family Member also includes legal guardians or wards.
Incapacitated Dependent Child means any person who, as a result
of being mentally or physically challenged, is permanently incapable
of self-support and permanently dependent on the Insured Person
for support and maintenance, as evidenced by United States
income tax returns showing such person as dependent. Insured
Person means the Cardholder who has a direct relationship with
the Policyholder. Loss means one of the following which occurs:
a) while the Covered Person is insured under this policy which is
in force, and b) after the initial deposit or booking date of the Trip:
1) Accidental Bodily Injury or Loss of Life or Sickness of either
the Covered Person or Traveling Companion, which prevents the
Covered Person or Traveling Companion from traveling on the Trip;
or 2) Accidental Bodily Injury or Loss of Life or Sickness of an
Immediate Family Member of the Covered Person or Traveling
Companion when the Accidental Bodily Injury or Sickness is
considered life threatening, requires hospitalization, or such
Immediate Family Member requires the care of the Covered Person
16
Questions about these benefits? Call: 844-252-7831
or Traveling Companion. Loss of Life means death, including clinical
death, determined by the local governing medical authorities.
Non-Refundable means money prepaid through use of a covered
Account, if covered under the policy, for the Common Carrier ticket
cost: 1) which will be forfeited under the terms of the agreement
made with the Travel Supplier for unused travel arrangements; and
2) for which the Travel Supplier will not provide any other form
of compensation. Physician means a licensed practitioner of the
healing arts, acting within the scope of his or her license to the
extent provided by the laws of the jurisdiction in which medical
treatment is provided. Physician does not include: 1) the Covered
Person, Traveling Companion or an Immediate Family Member of
the Covered Person or Traveling Companion; 2) the employer or
business partner of the Covered Person or Traveling Companion; or
3) an Immediate Family Member of the Covered Person’s
or Traveling Companion’s employer or business partner; or
4) a massage therapist; or 5) physical therapist; or 6) anyone
employed by or acting on behalf of the Policyholder. Policyholder
means The Financial Customer Insurance Trust. Pre-Existing
Condition means illness, disease or accidental injury of the Covered
Person, Traveling Companion, or Immediate Family Member of the
Covered Person or Traveling Companion, for which medical advice,
diagnosis, care or treatment was recommended or received within
the sixty (60) day period immediately prior to the initial deposit
or booking date (whichever occurs first) of a Trip. The taking
of prescription drugs or medication for a controlled condition
throughout this sixty (60) day period will not be considered to be a
treatment of illness or disease. Additionally, regular antenatal care,
through 26 weeks gestation; provided it is a single, uncomplicated
pregnancy which does not arise from services or treatment
associated with an assisted reproductive program, including but not
limited to in vitro fertilization; is not considered to be a treatment of
illness or disease. Proof of Loss means written evidence acceptable
to Us that a loss has occurred. Scheduled Departure Date means
the date on which the Covered Person is originally scheduled to
leave on the Trip. Scheduled Return Date means the date on which
the Covered Person is originally scheduled to return to the point
of origin or to a different final destination. Sickness means illness
or disease which requires the attendance of a Physician. Spouse
means the Covered Person’s husband or wife who is recognized as
such by the laws of the jurisdiction in which the Covered Person
resides. Spouse includes Domestic Partners or Covered Persons
joined by Civil Unions where applicable by law. Travel Supplier
means a Cruise Line, airline, railroad or other Common Carrier.
Traveling Companion means an individual who has made advance
arrangements with the Covered Person to travel together for all
or part of the Trip. Trip means any travel booked through a Travel
Supplier for which any portion of the cost has been charged to
the Insured Person’s Account issued by the Policyholder. Trip
Cancellation means the cancellation of travel arrangements due
to a Loss when the Covered Person is prevented from traveling
on a Trip on or before the Scheduled Departure Date of the Trip.
17
Questions about these benefits? Call: 844-252-7831
Trip Interruption means the interruption of the Covered Person’s
Trip either on the way to the point of departure or after departure
of the Trip. Trip Interruption also means any change to the date and
time of pre-scheduled uncanceled travel arrangements. We, Us and
Our means Federal Insurance Company.
Who is covered?
As an eligible Cardholder, You, your Spouse or Domestic Partner
and your Dependent Children are eligible for Trip Cancellation and
Trip Interruption Insurance. Coverage is provided automatically
when a portion of the cost of the Trip is charged to your account.
What is Trip Cancellation and Trip Interruption insurance?
In the event a loss is suffered from a cancellation or interruption of
a Trip due to a covered Loss, Trip Cancellation and Trip Interruption
insurance will reimburse for the non-refundable passenger
fare charged by an airline, Cruise Line, railroad, or any other
Common Carrier.
Does Trip Cancellation and Trip Interruption insurance provide
any other type of reimbursement?
Change Fees
Trip Cancellation and Trip Interruption insurance will also reimburse
any Change Fee imposed by a Travel Supplier to change the date
and/or time of prescheduled travel arrangements of a Trip that
has not been cancelled.
Ground Transportation Expenses
In regard to Trip Interruption Insurance we will also reimburse for
ground transportation expenses incurred by the Covered Person
up to $250, to directly transport the Covered Person: a) from the
Licensed Provider of Lodging, Host at Destination, or medical
facility where the Covered Person was receiving treatment for
an Accidental Bodily Injury or Sickness which caused the Trip
Interruption, to the airport, terminal or station the Covered Person
is departing from; and/or b) between the airport, terminal or
station to which the Covered Person is arriving and their place of
permanent residence, or medical facility where the Covered Person
is scheduled to continue treatment of an Accidental Bodily Injury or
Sickness which caused the Trip Interruption. Ground transportation
expenses do not include charges for transportation in any vehicle
specifically designed for transporting sick or injured persons, or
operated by a hospital, private ambulance service, rescue squad
or other medical care facility.
What qualifies as a covered Loss for Trip Cancellation and Trip
Interruption insurance?
A Trip Cancellation or Trip Interruption must be due to one of the
following reasons which occurs after the initial deposit or booking
date of the Trip:
18
Questions about these benefits? Call: 844-252-7831
1. Accidental Bodily Injury or Loss of Life or Sickness of either
the Covered Person or Traveling Companion, which prevents
the Covered Person or Traveling Companion from traveling
on the Trip; or
2. Accidental Bodily Injury or Loss of Life or Sickness of an
Immediate Family Member of the Covered Person or Traveling
Companion when the Accidental Bodily Injury or Sickness is
considered life threatening, requires hospitalization, or such
Immediate Family Member requires the care of the Covered
Person or Traveling Companion; or
3. An organized strike affecting public transportation that impacts
the Covered Person’s ability to commence or continue on
a covered Trip.
If a Covered Person is eligible for insurance under multiple
Accounts, then such person will only be insured once under the
Account which provides the Covered Person the largest Benefit
Amount for the loss that has occurred.
When is insurance effective?
For Trip Cancellation, your coverage begins on the initial deposit
date or booking date of the Trip. Coverage ends at the point and
time of departure on your Scheduled Departure Date.
For Trip Interruption coverage begins on your Scheduled Departure
Date and ends on your Scheduled Return Date.
In the event the Scheduled Departure Date and/or the Scheduled
Return Date are delayed, or the point and time of departure and/
or point and time of return are changed because of circumstances
over which neither the Travel Supplier nor you have control, the
term of coverage shall be automatically adjusted in accordance
with your or the Travel Supplier’s notice to Us of the delay or
change. In order for benefits to apply, the initial deposit date
or booking date must occur while coverage is in force.
Trip Cancellation
The amount charged to an eligible account up to
Trip Interruption
The amount charged to an eligible account up to
Benefit Maximum Benefit Amount per Covered Person
$1,500
$1,500
19
Questions about these benefits? Call: 844-252-7831
Trip Cancellation Insurance
If a Loss causes the Covered Person’s Trip Cancellation,
reimbursement up to the Maximum Benefit
Amount above is subject to the following:
1. The Covered Person must notify the Travel Supplier of the
cancellation. If failure to notify of the cancellation results in
the surrender of Non-Refundable eligible travel expenses, that
would have otherwise been refundable had the Covered Person
notified the Travel Supplier, no benefit shall be payable. This
limitation does not apply if a Loss prevents the Covered Person
from providing the notification;
2. In no event will We pay more than the Trip Cancellation
Benefit Amount.
3. The Travel Supplier’s cancellation provisions in effect at
the time the Travel Supplier is notified of a cancellation;
4. In the event that a Covered Person’s Trip Cancellation results in
a credit for future travel, or other consideration being issued by
the Travel Supplier, no benefits shall be payable for that portion
of the eligible travel expenses which such credit represents until
such credit expires;
5. The Trip Cancellation benefit is payable on an excess basis over
and above any amount due from any other valid or collectible
travel insurance purchased for the same Trip by the Covered
Person or any other form of reimbursement available from the
Travel Supplier;
6. No benefit will be paid unless a portion of each Eligible Travel
Expense has been charged to the Account;
7. In no event shall the Benefit Amount payable exceed the actual
amount charged to an Account of the Insured Person for eligible
travel expenses.
Trip Interruption Insurance
If a Loss causes the Covered Person’s Trip Interruption,
reimbursement up to the Maximum Benefit Amount above of the
Covered Person due to Trip Interruption is subject to the following:
1. To be reimbursed, these costs must have been charged to the
Insured Person’s Account with the Policyholder;
2. In no event will We pay more than the Trip Interruption Benefit
Amount per Trip shown above.
3. The Trip Interruption benefit is payable on an excess basis over
and above any amount due from any other valid or collectible
travel insurance or any other form of reimbursement payable
by those responsible for the Loss. In the event that a Covered
Person’s Trip Interruption results in a credit for future travel,
or other consideration being issued by the Travel Supplier, no
benefits shall be payable for that portion of the Non-Refundable
arrangements and transportation expenses which such credit
represents until such credit expires.
20
Questions about these benefits? Call: 844-252-7831
What types of expenses are eligible for reimbursement?
Airline, Cruise Line, railroad and other Common Carrier fare.
Change Fees and certain ground transportation expenses as
described above are also covered.
What is not covered by Trip Cancellation and Trip Interruption
insurance? These benefits do not apply to a Loss caused directly
or indirectly from:
1. change in plans, financial circumstances and any business
or contractual obligations of the Covered Person, Traveling
Companion, Immediate Family Member of the Covered Person
or Immediate Family Member of the Traveling Companion; or
2. a Pre-Existing Condition or any other event that occurs or
commences prior to the initial deposit date or booking date of
the Trip; or
3. any Loss due to the voluntary surrender of unused vouchers,
tickets, credits, coupons or travel privileges available to the
Covered Person from the Travel Supplier prior to their issued
expiration date; or
4. travel arrangements that are scheduled to take place after the
26th week of pregnancy; or
5. any multiple pregnancy with or without complications which
occurs prior to the initial deposit date or booking date of
the Trip; or
6. any pregnancy associated with an assisted reproductive
program, including but not limited to in vitro fertilization; or
7. any Loss for any Trip that is booked while on a waiting list for
specified medical treatment; or
8. any Loss for any Trip that is booked for the purpose of obtaining
medical treatment; or
9. disinclination to travel due to civil unrest; or
10. failure of the Covered Person or a Traveling Companion
to obtain necessary visas, passports, or other documents
required for travel.
11. the Covered Person’s commission or attempted commission
of any illegal act including but not limited to any felony.
12. a Covered Person’s suicide, attempted suicide or intentionally
self-inflicted injury.
13. the Covered Person being under the influence of any narcotic,
legal recreational marijuana or other controlled substance at
the time of a loss. This exclusion does not apply if any narcotic
or other controlled substance is taken and used as prescribed
by a Physician.
14. This insurance does not apply to any loss caused by or resulting
from, directly or indirectly, a Covered Person’s disinclination to
travel due to an epidemic or pandemic.
15. Default of the Common Carrier resulting from Financial
Insolvency or Financial Insolvency of a Travel Agency,
Tour Operator or Travel Supplier.
21
Questions about these benefits? Call: 844-252-7831
In addition, Trip Interruption Benefit does not apply to a Loss
caused directly or indirectly from:
1. travel arrangements canceled or changed by a Travel
Supplier unless the cancellation is the result of an organized
strike affecting public transportation or unless specifically
covered herein; or
2. any event or circumstance unrelated to Accidental Bodily Injury
or Loss of Life or Sickness which occurs or commences prior
to the initial deposit date or booking date of the Trip.
How to File a Claim
For claims related matters only please contact the Claim
Administrator. To file a claim please call 855-830-3721. Claims
are processed by the Claim Administrator, Broadspire, a Crawford
company. Complete all items on the required claim form, attach all
appropriate documents, and mail or fax to: Broadspire, a Crawford
company, P.O. Box 459084, Sunrise, FL 33345 Fax Number 855-
830-3728. Once a claim number is assigned, supporting
documentation for the claim can also be submitted through
myclaimsagent.com. For all other inquiries please call the
number on the back of your card.
What types of documentation may be requested
when a claim is submitted?
Some of the documentation the Company may request includes, but
is not limited to a:
1. documentation detailing the reason for the Trip Cancellation/
Trip Interruption;
2. original unused tickets, copies of invoices, proof of payments,
and other documents that substantiate the cost or occurrence
of the Trip Cancellation/ Trip Interruption;
3. documentation of refunds or credits received from the Travel
Supplier(s);
4. copy of the Travel Supplier(s) literature that describes penalties;
5. proof of the Account transaction via copies of an Account
statement confirming the eligible travel expenses were charged
to an eligible Account;
6. a letter from the Travel Supplier or an itemized bill from the
travel agent stating the Non-Refundable amounts of the
Trip costs
Claim Notice
Written claim notice must be given to Us or any of Our brokers
or appointed agents within ninety (90) days after the occurrence
or commencement of any loss covered by this policy or as soon
as reasonably possible. Notice must include enough information
to identify the Covered Person and Policyholder. Failure to
give claim notice within ninety (90) days will not invalidate or
reduce any otherwise valid claim if notice is given as soon as
reasonably possible.
22
Questions about these benefits? Call: 844-252-7831
Claim Forms
When We receive notice of a claim, We will send the Covered Person
or the Covered Person’s authorized representative, within fifteen
(15) days, forms for giving Proof of Loss to Us. If the Covered
Person or the Covered Person’s authorized representative does not
receive the forms, then the Covered Person or the Covered Person’s
authorized representative should send Us a written description
of the loss. This written description should include information
detailing the occurrence, type and extent of the loss for which
the claim is made.
Claim Proof of Loss
Complete Proof of Loss must be given to Us within ninety (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 or reduce 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, except in cases
where the claimant lacks legal capacity.
Claim Payment
All payments by Us are subject to receipt of complete Proof of Loss.
We will pay the Covered Person the applicable Benefit Amount for
any covered claim within sixty (60) days after We receive complete
Proof of Loss if the Covered Person and the Policyholder have
complied with all the terms of this policy.
General Provisions
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 9908-12-93 on file
with the Policyholder: The Financial Customer Insurance Trust.
If this plan does not conform to your state statutes, it will be
amended to comply with such laws.
Chubb is the marketing name used to refer to subsidiaries of
Chubb Limited providing insurance and related services. For a list
of these subsidiaries, please visit our website at new.chubb.com.
Insurance provided by Federal Insurance Company. All products
may not be available in all states. This communication contains
product summaries only. Coverage is subject to the language of
the policies as actually issued. Chubb, PO Box 1600, Whitehouse
Station, NJ 08889-1600.
23
Questions about these benefits? Call: 844-252-7831
As an eligible Cardholder, You, your Spouse or
Domestic Partner and your Dependent Children
are eligible for Baggage Delay Insurance.
Coverage is provided automatically when a portion
of the cost of the Trip is charged to your Barclays
Bank Card account while the Insurance is effective.
Coverage is provided at no cost to eligible Barclays
Bank Cardholders.
Definitions
Account means eligible credit card accounts. Baggage means
suitcases and the containers specifically designated for carrying
personal property, and the personal property contained therein.
Baggage Delay means a delay or misdirection of the Covered
Person’s Baggage by a Common Carrier for more than 4 hours
from the time the Covered Person arrives at the destination on the
Covered Person’s ticket. Cardholder means an individual who is
named on the Account issued by Barclays Bank. Common Carrier
means any commercially licensed motorized land, water or air
Conveyance, operated by an organization organized and licensed
for the transportation of passengers for hire and operated by
an employee or an individual under contract. Company means
Federal Insurance Company. Conveyance means any motorized
craft, vehicle or mode of transportation licensed or registered by
a governmental authority with competent jurisdiction. Covered
Person means a person as indicated above qualifying as eligible for
benefits. Dependent Child means the Insured Person’s unmarried
child from the moment of birth, including a natural child, grandchild,
stepchild or adopted child from the date of placement with the
Insured Person. The Dependent Child must be primarily dependent
upon such Insured Person for maintenance and support, and must
be under the age of twenty-six (26) or classified as an Incapacitated
Dependent Child. Domestic Partner means a person designated
by the Covered 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 Covered Person by blood; 3) has exclusively
lived with the Covered Person for at least twelve (12) consecutive
months prior to the date of enrollment; 4) is not legally married or
separated; and 5) as of the date of enrollment, has with the Covered
Person at least two (2) of the following financial arrangements:
| BAGGAGE DELAY
24
Questions about these benefits? Call: 844-252-7831
a) a joint mortgage or lease; b) a joint bank account; c) joint title
to or ownership of a motor vehicle or status as a joint lessee on
a motor vehicle lease; or d) a joint credit card account with a
financial institution. Neither the Covered Person nor the Domestic
Partner can be married to, or in a civil union with, anyone else.
Incapacitated Dependent Child means any person who, as a result
of being mentally or physically challenged, is permanently incapable
of self-support and permanently dependent on the Insured Person
for support and maintenance, as evidenced by United States income
tax returns showing such person as dependent. Insured Person
means the Covered Person who has a direct relationship with
Barclays Bank. Proof of Loss means written evidence acceptable to
Us that a loss has occurred. Recreational Equipment means any
equipment: 1) that is used to engage in a particular sport, hobby,
game, excursion, or other recreational activity; and 2) for which
the Covered Person has the requisite license or permit to own
or operate if a license or permit is required. Spouse means the
Covered Person’s husband or wife who is recognized as such by
the laws of the jurisdiction in which the Covered Person resides.
Spouse includes Domestic Partners or Covered Persons joined by
Civil Unions where applicable by law. Trip means any travel booked
through a Common Carrier for which any portion of the cost has
been charged to the Insured Person’s Account issued by Barclays
Bank. We, Us and Our means Federal Insurance Company.
We will reimburse you, your Spouse or Domestic Partner and your
dependents in the event of a Baggage Delay and for each additional
24-hour period beyond the initial Baggage Delay. In no event will We
reimburse more than $100 per day for up to 3 days. The benefit is
first payable after 4 hours of delay and then for each additional 24
hour period thereafter. Our payment is limited to expenses incurred
for the emergency purchase of essential items, such as toiletries,
clothing and chargers for electronic equipment (limit of one (1)
per device), needed by the Covered Person during a qualifying
Baggage Delay.
This benefit is payable on an excess basis over and above any
amount due from any other valid or collectible insurance or
any other form of reimbursement payable by those responsible
for the loss.
Essential items not covered by Baggage Delay include,
but are not limited to:
• hearing aids;
• artificial teeth, dental bridges or prosthetic devices;
• tickets, documents, money, securities, checks, travelers
checks and valuable papers;
• business samples;
• jewelry and watches;
• cameras, video recorders and other electronic equipment; or
• Recreational Equipment.
25
Questions about these benefits? Call: 844-252-7831
We will not reimburse the Covered Person for Baggage Delay
unless the delay was reported by the Covered Person to the
Common Carrier.
Payment of this benefit is subject to Our receipt of satisfactory
Proof of Loss. Proof of Loss includes, but is not limited to:
• Copies of the notification and reporting filed with the
Common Carrier and all related correspondence;
• Details of the amount paid or payable by the Common
Carrier responsible for the loss; and
• Receipts for emergency purchase of essential items.
Receipts are not required for items under $25.
Claim Forms
When We receive notice of a claim, We will send you within fifteen
(15) days, forms for giving Proof of Loss to Us. If you do not receive
the forms, you should send Us a written description of the loss.
This written description should include information detailing the
occurrence, type and extent of the loss for which the claim is made.
Claim Notice
Written claim notice must be given to Us within ninety (90)
days after the occurrence or commencement of any loss covered
by this policy or as soon as reasonably possible. Notice must
include enough information to identify the Covered Person.
Failure to give claim notice within ninety (90) days will not invalidate
or reduce any otherwise valid claim if notice is given as soon as
reasonably possible.
How to file a claim:
For claims related matters only please contact the
Claim Administrator. To file a claim please call 855-830-
3721. Claims are processed by the Claim Administrator,
Broadspire, a Crawford company. Complete all items on
the required claim form, attach all appropriate documents,
and mail or fax to: Broadspire, a Crawford company,
P.O. Box 459084, Sunrise, FL 33345 Fax Number 855-
830-3728. Once a claim number is assigned, supporting
documentation for the claim can also be submitted
through myclaimsagent.com. For all other inquiries please
call the number on the back of your card.
26
Questions about these benefits? Call: 844-252-7831
Claim Proof of Loss
Complete Proof of Loss must be given to Us within ninety (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 or reduce 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, except in cases
where the claimant lacks legal capacity. We have a right to examine
under oath, as often as We may reasonably require, the Covered
Person or the Covered Person’s authorized representative, if
applicable. We may also require the Covered Person or the Covered
Person’s authorized representative, if applicable, to provide a signed
description of the circumstances surrounding the loss and their
interest in the loss. The Covered Person or the Covered Person’s
authorized representative, if applicable, will also produce all records
and documents requested by Us and will permit Us to make copies
of such records or documents.
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 9908-14-47. If this plan does not
conform to your state statutes, it will be amended to comply with
such laws.
Chubb is the marketing name used to refer to subsidiaries of
Chubb Limited providing insurance and related services. For a list
of these subsidiaries, please visit our website at new.chubb.com.
Insurance provided by Federal Insurance Company. All products
may not be available in all states. This communication contains
product summaries only. Coverage is subject to the language of the
policies as actually issued. Chubb, PO Box 1600, Whitehouse Station,
NJ 08889-1600.
27
Questions about these benefits? Call: 844-252-7831
| TRAVEL ACCIDENT INSURANCE
Provides insurance against accidental loss of life
or injury while traveling for You and Your family.
Definitions
Accident or Accidental means a sudden, unforeseen and
unexpected event happening by chance. Accident includes
unavoidable exposure to elements arising from a covered Hazard.
Account means eligible credit card accounts, or debit card accounts
issued by Barclays Bank Benefit Amount means the Loss amount
applicable at the time the entire cost of the passenger fare is
charged to an eligible 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. Company means the Federal Insurance Company.
Covered Trip means travel on a Common Carrier when the entire
cost of the passenger fare for such transportation, less redeemable
certificates, vouchers or coupons, has been charged to an Account
issued by the Policyholder. Dependent Child(ren) means those
children, including adopted children and children placed for
adoption, who are primarily dependent upon the for maintenance
and support and who are: 1) under the age of nineteen (19) and
reside with the: 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-five (25) and classified as a full-
time student at an institute of higher learning. Domestic Partner
means a person designated in writing by the Accountholder 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 Accountholder and 2) has been the Accountholder’s sole
spousal equivalent; and 3) has resided in the same household as the
primary Accountholder; and 4) has been jointly responsible with the
Accountholder for each other’s financial obligation, and who intends
to continue the relationship above indefinitely. Loss of Foot means
the complete severance through or above the ankle joint. We will
consider it a Loss of Foot even if the foot is later reattached. Loss
of Hand means complete severance through or above the knuckle
joints of at least 4 fingers on the same hand or at least 3 fingers
and the thumb on the same hand. We will consider it a Loss of
Hand even if the fingers and/or thumb are later reattached. Loss of
Hearing means the permanent and irrecoverable Loss of Hearing in
both ears, as determined by a Physician. Loss of Life means death,
including clinical death determined by the local governing medical
authorities. Loss of Sight of an Eye means the permanent loss of
28
Questions about these benefits? Call: 844-252-7831
vision in one eye. Remaining vision must be no better than 20/200
using a corrective aid or device as determined by a Physician. Loss
of Speech means the permanent and irrecoverable total loss of
the capability of speech without the aid of mechanical devices,
as determined by a Physician. Loss of Thumb and Index Finger
means complete severance through or above the knuckle joints
of the thumb and index finger of the same hand. We will consider
it a Loss of Thumb and Index Finger even if one or both are later
reattached. Physician means a person who is licensed as a medical
doctor or a doctor of osteopathy by the laws of the jurisdiction in
which treatment is given and who is qualified to provide the medical
treatment. A Physician does not include a family member of the
Insured Person, a social worker, a physical therapist or an intern.
Policyholder means Financial Customer Insurance Trust.
What is Travel Accident Insurance?
Travel Accident Insurance provides coverage against accidental loss
of life, limb, sight, speech or hearing while riding as a passenger in,
entering or exiting any licensed Common Carrier while the Insured
Person is on a Covered Trip. Coverage is also extended while the
Insured Person is riding as a passenger in, entering or exiting any
Common Carrier during travel to or from the airport, terminal, or
station: 1) immediately preceding the departure of the scheduled
Common Carrier on which the has purchased passage; and
2) immediately following the arrival of the scheduled Common
Carrier on which the Insured Person was a passenger. This coverage
extension does not include any courtesy transportation provided
without a specific charge. If the entire cost of the passenger fare
has not been charged to an eligible Account 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
an eligible Account.
How is Travel Accident Insurance Activated?
Eligible Accountholders, their Spouse or Domestic Partner, and
Dependent Children are COVERED AUTOMATICALLY when the
entire cost of the passenger fare(s), less redeemable certificates,
vouchers or coupons, has been charged to an eligible card
account issued by Barclays Bank. The Spouse or Domestic Partner,
and Dependent Children do not need to be traveling with the
Accountholder for coverage to be in effect. It is not necessary for
you to notify Barclays Bank, the administrator or the Company
when tickets are purchased. This insurance plan is provided at
NO COST to eligible cardholders. This insurance is effective on
the date that the eligible Account becomes active, and will cease
on the date the Master Policy 9908-14-49 is terminated or on the
date the eligible account ceases to be in good standing, whichever
occurs first.
29
Questions about these benefits? Call: 844-252-7831
Disappearance of a Conveyance: If the Insured Person has not
been found within one (1) year of the disappearance, stranding,
sinking, wrecking or breakdown of any conveyance in which the
Insured Person was covered as an occupant, it will be assumed,
subject to all other terms of coverage, that the Insured Person
has suffered Loss of Life.
Maximum limit of Insurance for all
Insured Persons Traveling Together
In the event of multiple Accidental deaths per Account arising
from any one Accident, the Company’s liability for all such Losses
will be limited to a Maximum Limit of Insurance equal to three (3)
times the applicable Benefit Amount for Loss of Life. Benefits will
be proportionately divided among the Insured Persons up to the
Maximum Limit of Insurance.
How much coverage is provided?
Loss Due to
an Accident
Loss of Speech and Loss of Hearing
Speech and Loss of one of:
Hand, Foot or Sight of One Eye
Hearing and Loss of one of:
Hand, Foot or Sight of One Eye
Both Hands, Loss of Both Feet,
Loss of Sight of Both Eyes or a
Combination of any two of a
Loss of Hand, a Loss of Foot
or Loss of Sight of One Eye
One Hand, Loss of One Foot
or Loss of Sight of One Eye
Speech or Loss of Hearing
Thumb and Index Finger
of the same hand
(Percentage of Loss of
Life Benefit Amount)
100%
100%
100%
100%
50%
50%
25%
Insured Person
Eligible Cardholders
The Spouse or Domestic Partner
of Eligible Cardholders
The Dependent Child(ren) of
Eligible Cardholders
Loss of Life Benefit Amount
$250,000
$250,000
$250,000
30
Questions about these benefits? Call: 844-252-7831
Exclusions to Coverage
This insurance does not cover loss resulting from: 1) an Insured
Person’s emotional trauma, mental or physical illness, disease,
pregnancy, childbirth or miscarriage, bacterial or viral infection
(except bacterial infection caused by an accident or from accidental
consumption of a substance contaminated by bacteria), or bodily
malfunctions; 2) suicide, attempted suicide or intentionally self-
inflicted injuries; 3) declared or undeclared war, but war does not
include acts of terrorism; 4) travel between the Insured Person’s
residence and regular place of employment; or 5) an Accident while
an Insured Person is in, entering or exiting any aircraft while acting
or training as a pilot or crew member, but this exclusion does not
apply to passenger who temporarily perform pilot or crew functions
in a life threatening emergency.
Who is the Beneficiary?
The Loss of Life benefit will be paid to the beneficiary designated
by the insured Person. If no such designation has been made, that
benefit will be paid to the first surviving beneficiary in the following
order: a) the Insured Person’s spouse, b) the Insured Person’s
children, c) the Insured Person’s parents, d) the Insured Person’s
brothers and sisters, e) the Insured Person’s estate. All other
indemnities will be paid to the Insured Person.
Claims Provisions
What Documents are Required to Substantiate a Loss?
Some of the documentation that may be requested by the Company
includes but is not limited to 1) a completed claim form; 2) a copy
of the travel itinerary; 3) a police report confirming the claimed
Accident; 4) a copy of the credit card statement that shows
the charge for the Common Carrier or Scheduled Airline fare;
and 5) a copy of the death certificate.
How to file a claim:
To file a claim please call 844-252-7831. Claims are
processed by the Claim Administrator, Broadspire, a
Crawford company. Complete all items on the required
claim form, attach all appropriate documents, and mail
or fax to: Crawford and Company, P.O. Box 4090, Atlanta,
GA 30302, Fax Number 855-830-3728. Please reference
policy #9908-14-49
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Questions about these benefits? Call: 844-252-7831
How Soon After a Loss Must Claim Notice be Given?
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.
How Soon Will Claims Forms be Sent?
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.
How Soon Must Proof of Loss be Submitted?
For all claims, complete proof of loss must be given to us within
90 days after the date of loss, or as soon as reasonably possible.
Failure to give complete proof of loss within these time frames will
not invalidate any otherwise valid claim if notice is given as soon
as reasonably possible and in no event later than 1 year after the
deadline to submit complete proof of loss.
How Soon Will Payment be Made After Proof of Loss is
Submitted? For all benefits, the Company will pay you or your
beneficiary the applicable benefit amount within 60 days after
complete proof of loss is received and if you, the Policyholder and/
or the beneficiary have complied with all the terms of this policy.
I Have Questions That are Not Addressed Above
Answers to specific questions can be obtained by writing the Plan
Administrator: Direct Marketing Group, 13265 Bedford Avenue,
Omaha, NE 68164
Important Information Regarding This Insurance
No legal action may be brought to recover on this policy until
sixty (60) days after we have been given complete written Proof
of Loss. No such action may be brought after three (3) years from
the time written Proof of Loss is required to be given. No such
action may be brought unless there has been full compliance with
all of the terms of this policy. In no case will we be liable for benefits
that are not payable under the terms of this policy or that exceed
the applicable Benefit Amounts or Limits of Insurance.
If you make a claim knowing it to false or fraudulent in any respect,
no coverage shall exist for such claim and your benefits may be
canceled. Each claimant 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.
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Questions about these benefits? Call: 844-252-7831
This benefit is provided to eligible cardholders at no additional cost.
The terms and conditions contained in this Guide to Benefits may
be modified by subsequent endorsements. Modifications to the
terms and conditions may be provided by way of additional Guide
to Benefit mailings, statement inserts or statement messages.
The benefit described in this Guide to Benefit will not apply to
cardholders whose accounts have been suspended or canceled.
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 9908-14-49 on file with the
Policyholder: The Financial Customer Insurance Trust. If this plan
does not conform to your state statutes, it will be amended to
comply with such laws.
Insurance benefits are underwritten by Federal Insurance Company.
Coverage may not be available in all states or certain terms may be
different where required by state law. Chubb NA is the U.S.-based
operating division of the Chubb Group of Companies, headed by
Chubb Ltd. (NYSE:CB) Insurance products and services are provided
by Chubb Insurance underwriting companies and not by the parent
company itself.
33
Questions about these benefits? Call: 844-252-7831
Benefit information in this guide replaces any prior
benefit information You may have received. Please
read and retain for Your records. Your eligibility is
determined by Your financial institution.
Definitions
Account means Your credit or debit card Accounts. Actual Cash
Value means the amount a Rental Vehicle is determined to be
worth based on its market value, age and condition at the time of
loss. Eligible Person means a cardholder who pays for their auto
rental by using their eligible Account. Rental Car Agreement
means the entire contract an eligible renter receives when renting
a Rental Vehicle from a rental car agency which describes in
full all of the terms and conditions of the rental, as well as the
responsibilities of all parties under the contract. Rental Vehicle
means a land motor vehicle with four or more wheels as described
in the participating organization’s disclosure statement which
the eligible renter has rented for the period of time shown on
the Rental Car Agreement and does not have a manufacturer’s
suggested retail price exceeding the amount shown on the
participating organization’s disclosure statement. You or Your
means an Eligible Person who uses their eligible card to initiate
and complete the rental car transaction.
Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing
a rented car. But accidents do happen, and vehicles do get stolen.
No matter what happens to Your rental car, You can be covered
with Auto Rental Collision Damage Waiver. Auto Rental Collision
Damage Waiver reimburses You for damages caused by theft
or collision -- up to the Actual Cash Value of most rented cars.
Auto Rental Collision Damage Waiver covers no other type of
loss. For example, in the event of a collision involving Your rented
vehicle, damage to any other driver’s car or the injury of anyone
or anything is not covered. Rental periods of thirty-one (31)
consecutive days are covered. (Longer rental periods, however,
are not covered.)
You are eligible for this benefit if Your name is embossed on an
eligible card issued in the United States and You use it to initiate
and complete Your entire car rental transaction. Only You as the
primary car renter and any additional drivers permitted by the
Rental Car Agreement are covered.
AUTO RENTAL COLLISION
DAMAGE WAIVER
34
Questions about these benefits? Call: 844-252-7831
How Auto Rental Collision Damage Waiver works with other
insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid
loss-of-use charges imposed and substantiated by the auto rental
company, administrative fees and reasonable and customary
towing charges, due to a covered theft or damage to the nearest
qualified repair facility.
If You do have personal automobile insurance or other insurance
that covers theft or damage, this benefit reimburses You for the
deductible portion of Your car insurance or other insurance, along
with any unreimbursed portion of administrative and loss-of-use
charges imposed by the car rental company, as well as reasonable
towing charges while the car was Your responsibility.
If You do not have personal automobile insurance or any other
insurance, the benefit reimburses You for covered theft, damage,
or administrative and loss-of-use charges imposed by the rental
company, as well as reasonable towing charges that occur while
You are responsible for the vehicle.
If You are renting outside of Your country of residence,
the coverage provided under this benefit is primary and
reimburses You for covered theft, damage, or administrative and
loss-of-use charges imposed by the rental company, as well as
reasonable towing charges that occur while You are
responsible for the vehicle.
How to use Auto Rental Collision Damage Waiver
1 Use Your card to initiate and complete Your entire car
rental transaction.
2 Review the auto rental agreement and decline the rental
company’s collision damage waiver (CDW/LDW) option, or a
similar provision, as accepting this coverage will cancel out
Your benefit. If the rental company insists that You purchase
their insurance or collision damage waiver, call the Benefit
Administrator for assistance at 800-348-8472. Outside the
United States, call collect at 804-673-1164.
Before You leave the lot, be sure to check the car for
any prior damage.
This benefit is in effect during the time the rental car is in Your (or
an authorized driver’s) control, and it terminates when the rental
company reassumes control of their vehicle.
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Questions about these benefits? Call: 844-252-7831
This benefit is available in the United States and most foreign
countries. However, this benefit is not available where precluded
by law, or where it’s in violation of the territory terms of the auto
rental agreement, or when prohibited by individual merchants.
Because regulations vary outside the United States, check
with Your auto rental company and the Benefit Administrator
before You travel, to be sure that Auto Rental Collision
Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benefit, they consist of
expensive, exotic, and antique cars; cargo vans; certain vans;
vehicles with an open cargo bed; trucks; motorcycles; mopeds;
motorbikes; limousines; and recreational vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston
Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus,
Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla.
However, selected models of Audi, BMW, Mercedes-Benz, Cadillac,
Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered.
An antique car is defined as one that is over twenty (20) years old,
or one that has not been manufactured for ten (10) years or more.
Vans are not covered. But those designed as small-group
transportation vehicles (seating up to nine (9) people, including
the driver) are covered.
If You have questions about a specific vehicle’s coverage or
organization where the vehicle is being reserved, call the
Benefit Administrator at 800-348-8472, or call collect
outside the United States at 804-673-1164.
Related instances & losses not covered
• Any obligation You assume under any agreement
(other than the deductible on Your personal auto policy)
• Any violation of the auto rental agreement or this benefit
• 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 auto rental company,
or its insurer
• The cost of any insurance, or collision damage waiver, offered by
or purchased through the auto rental company
• Depreciation of the Rental Vehicle caused by the incident
including, but not limited to, “diminished value”
• Expenses reimbursable by Your insurer, employer, or employer’s
insurance
• Theft or damage due to intentional acts, or due to the driver(s)
being under the influence 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
• Damage due to off-road operation of the Rental Vehicle
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Questions about these benefits? Call: 844-252-7831
• Theft or damage due to hostility of any kind (including, but
not limited to, war, invasion, rebellion, insurrection, or terrorist
activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of covered vehicles
• Rental periods that either exceed, or are intended to exceed
thirty-one (31) days
• Leases and mini leases
• Theft or damage as a result of the authorized driver’s and/or
cardholder’s lack of reasonable care in protecting the Rental
Vehicle before and/or after damage or theft occurs (for example,
leaving the car running and unattended)
• Theft or damage reported more than forty-five (45) days* after
the date of the incident
• Theft or damage for which a claim form has not been received
within ninety (90) days* from the date of the incident
• Theft or damage for which all required documentation has not
been received within three hundred and sixty-five (365) days
after the date of the incident
*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every effort to
protect Your Rental Vehicle from damage or theft. If You have
an accident, or Your Rental Vehicle has been stolen, immediately
call the Benefit Administrator at 800-348-8472 to report the
incident, regardless of whether Your liability has been established.
Outside the United States, call collect at 804-673-1164.
You should report the theft or damage as soon as possible but no
later than forty-five (45) days from the date of the incident.
The Benefit Administrator reserves the right to deny any
claim containing charges that would not have been included, if
notification occurred before the expenses were incurred. Thus,
it’s in Your best interest to notify the Benefit Administrator
immediately after an incident. Reporting to any other person will
not fulfill this obligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return the Rental
Vehicle, ask Your car rental company for the following documents:
• A copy of the accident report form
• A copy of the initial and final auto rental agreements
(front and back)
• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
• A police report, if obtainable
• A copy of the demand letter which indicates the costs You are
responsible for and any amounts that have been paid toward
the claim
37
Questions about these benefits? Call: 844-252-7831
Submit all of the above documents from the rental company, along
with the following documents, to the Benefit Administrator:
• The completed and signed Auto Rental Collision Damage Waiver
claim form (Important: This must be postmarked within ninety
(90) days* of the theft or damage date, even if all other required
documentation is not yet available – or Your claim may be
denied.
• A copy of Your monthly billing statement (showing the last 4
digits of the Account number) demonstrating that the entire
rental transaction was made on Your eligible Account.
• 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,
a statement of no insurance or reimbursement is required.
• A copy of Your primary insurance policy’s Declarations
Page (if applicable) to confirm Your deductible. (This means
the document(s) in Your insurance policy that lists names,
coverages, limits, effective dates, and deductibles).
• Any other documentation required by the Benefit Administrator
to substantiate the claim.
Finally, please note that all remaining documents must be
postmarked within three hundred and sixty-five (365) days*
of the theft or damage date or Your claim may be denied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental Collision
Damage Waiver, visit eclaimsline.com
Finalizing Your claim
Your claim will typically be finalized within fifteen (15) days, after
the Benefit Administrator has received all the documentation
needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies
against any party in regard to 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.
Additional provisions for Auto Rental Collision Damage Waiver
• Signed or pinned transactions are covered as long as You use
Your eligible Account to secure the transaction.
• You shall do all things reasonable to avoid or diminish any loss
covered by this benefit. This provision will not be unreasonably
applied to avoid claims.
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Questions about these benefits? Call: 844-252-7831
• 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 cancelled. Each cardholder 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.
• 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 the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional
cost. The terms and conditions contained in this Guide to
Benefits may be modified by subsequent endorsements.
Modifications to the terms and conditions may be provided
via additional Guide to Benefits mailings, statement inserts,
statement messages or electronic notification. The benefits
described in this Guide to Benefits will not apply to cardholders
whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your
financial institution can cancel or non-renew the benefits for
cardholders, and if they do, they will notify You at least thirty
(30) days in advance. Indemnity Insurance Company of North
America (“Provider”) is the underwriter of these benefits and is
solely responsible for its administration and claims. The Benefit
Administrator provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your
rights and remedies against any party in respect of this claim
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.
• This benefit does not apply to the extent that trade or economic
sanctions or other laws or regulations prohibit the provision of
insurance, including, but not limited to, the payment of claims.
For more information about the benefit described in this guide,
call the Benefit Administrator at 800-348-8472, or call
collect outside the U.S. at 804-673-1164.
39
Questions about these benefits? Call: 844-252-7831
Roadside Dispatch is a pay-per-use
roadside assistance program. The program
provides you with security and convenience
wherever your travels take you.
No membership or pre-enrollment is required. No annual dues.
No limit on usage.
For a set price per service call, the program provides:
• Standard Towing – Up to 5 miles included
1
• Tire Changing – must have good, inflated spare
• Jump Starting
• Lockout Service (no key replacement)
• Fuel Delivery – up to 5 gallons (plus the cost of fuel)
• Standard Winching
Roadside Dispatch will ask you where you are, what the problem
is, and while they remain on the phone with you, they will arrange
a dispatch to a reliable tow operator or locksmith to provide help.
(If you feel you are in an unsafe location – Roadside Dispatch will
advise you to hang up and dial 911. If you are not able to dial 911,
they will call the non-emergency police number in your area, and
will remain on the phone with you at your request until the police
arrive.) You have the convenience of one toll-free phone number
and you may save money because their rates are pre-negotiated.
Dependable roadside assistance, 24 hours a day, 7 days a week has
never been easier. No membership or pre-enrollment is required.
Just call Roadside Dispatch toll-free when you need them.
800-847-2869 ~ it’s that easy!
Note: Customers must pay service provider for mileage over 5
miles. A secondary unit being towed behind is not included but can
be accommodated for an additional fee. Standard Winching applies
within 100 feet of paved or county maintained road only. Current
fee for a standard service call is $69.95. Additional fees may apply
for winching services under certain circumstances. Service call
fees are subject to change at any time; however callers will be
ROADSIDE DISPATCH
For roadside assistance, call 800-847-2869.
40
Questions about these benefits? Call: 844-252-7831
notified of pricing prior to any service dispatch.
This program may be discontinued at any time without prior
notice. Program void where prohibited.
1
Any vehicle with wheels is covered under the program as long
as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are
vehicles that weigh 10,000 lbs. or less. Vehicles weighing more
than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’
and are NOT covered under this program.
Additional Terms: Service providers supplying emergency
roadside assistance and towing are independent contractors and
are solely liable for their services. Neither Visa nor Barclays shall
have any responsibility or liability in connection with the rendering
of the service. Emergency roadside assistance and towing may not
be available in areas not regularly traveled, nor
in other “off road” areas not accessible by ordinary towing
vehicles. Weather conditions, time of day, and availability of
service may affect assistance responses. Expectations for
dispatch are set with the customer on every call, and an expected
estimated time of arrival is provided to the customer regardless
of their location; however, neither Visa nor Barclays provides any
assurances as to the ability of the Service Provider to meet such
estimates. You are responsible for any roadside assistance or
towing charges incurred by facilities responding to your request
even if you are not with your vehicle or your vehicle is gone
upon their arrival. Services provided by United States Auto Club,
Motoring Division, Inc.
41
Questions about these benefits? Call: 844-252-7831
CELLULAR TELEPHONE
PROTECTION
Provides coverage for damage or theft of Your
cellular wireless telephone.
Key Terms
Please see the ‘Key Terms’ section for the terms used throughout
this benefit.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our,
and words that appear in bold. This EOC is subject to the Legal
Disclosures set forth below.
A. To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone
bill to your Covered Card. You are eligible for coverage the first
day of the calendar month following the payment of your Eligible
Cellular Wireless Telephone bill to your Covered Card. If you pay
an Eligible Cellular Wireless Telephone bill with your Covered
Card and fail to pay a subsequent bill to your Covered Card in a
particular month, your coverage period changes as follows:
1 Your coverage is suspended beginning the first day of the
calendar month following the month of nonpayment to your
Covered Card; and
2 Your coverage resumes on the first day of the calendar month
following the date of any future payment of your Eligible Cellular
Wireless Telephone bill with your Covered Card.
B. The kind of coverage you receive:
• Reimbursement for the actual cost to replace or repair
a Stolen or damaged Eligible Cellular Wireless Telephone.
• Coverage ends on the earliest of: The date you no longer are
a Cardholder; the date the Covered Card is determined to
be ineligible by the participating organization; the date the
participating organization ceases to pay premium on the
Group Policy; the date the participating organization ceases
to participate in the Group Policy; the date the Group Policy
is terminated.
C. Coverage limitations:
Coverage for a Stolen or damaged Eligible Cellular Wireless
Telephone is subject to the terms, conditions, exclusions, and
limits of liability of this benefit. The maximum liability is $600 per
claim, and $1,000 per Covered Card per 12 month period.
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Questions about these benefits? Call: 844-252-7831
Each claim is subject to a $25 deductible. Coverage is limited to
two (2) claims per Covered Card per 12 month period. Coverage
is excess of any other applicable insurance or indemnity available
to you. Coverage is limited only to those amounts not covered by
any other insurance or indemnity. In no event will this coverage
apply as contributing insurance. This “noncontribution” clause will
take precedence over a similar clause found in other insurance or
indemnity language.
D. What is NOT covered:
The following items are excluded from coverage under
the Group Policy:
• Eligible Cellular Wireless Telephone accessories other than
the standard battery and standard antenna provided by the
manufacturer;
• Eligible Cellular Wireless Telephones purchased for resale or for
professional or commercial use;
• Eligible Cellular Wireless Telephones that are lost or
Mysteriously Disappear;
• Eligible Cellular Wireless Telephones under the care and control
of a common carrier, including, but not limited to, the U.S. Postal
Service, airplanes or delivery service;
• Eligible Cellular Wireless Telephones Stolen from baggage
unless hand-carried and under the Eligible Person’s supervision
or under the supervision of the Eligible Person’s traveling
companion who is previously known to the Eligible Person;
• Eligible Cellular Wireless Telephones Stolen from
a construction site;
• Eligible Cellular Wireless Telephones which have been rented or
leased from a person or company other than a cellular provider;
• Eligible Cellular Wireless Telephones which have been borrowed;
• Eligible Cellular Wireless Telephones that are received as part of
a pre-paid plan;
• Cosmetic damage to the Eligible Cellular Wireless Telephone
or damage that does not impact the Eligible Cellular Wireless
Telephone’s ability to make or receive phone calls (including
minor screen cracks and fractures less than 2 inches in length
that do not prevent the ability to make or receive phone calls or
to use other features related to making or receiving phone calls);
• Damage or theft resulting from abuse, intentional acts, fraud,
hostilities of any kind (including, but not limited to, war, invasion,
rebellion or insurrection), confiscation by the authorities,
risks of contraband, illegal activities, normal wear and tear,
flood, earthquake, radioactive contamination, or damage from
inherent product defects or vermin;
• Damage or theft resulting from mis-delivery or voluntary parting
from the Eligible Cellular Wireless Telephone;
• Replacement of Eligible Cellular Wireless Telephone(s)
purchased from anyone other than a cellular service provider’s
retail or internet store that has the ability to initiate activation
with the cellular service provider;
• Taxes, delivery or transportation charges or any fees associated
with the service provided; and
43
Questions about these benefits? Call: 844-252-7831
• Losses covered under a warranty issued by a manufacturer,
distributor or seller.
In addition, we shall not be deemed to provide cover and we
shall not be liable to pay any claim or provide any benefit
under the Group Policy to the extent that the provision
of such cover, payment of such claim or provision of such
benefit would expose us, our parent company or its ultimate
controlling entity to any sanction, prohibition or restriction
under United Nations resolutions or the trade or economic
sanctions, laws or regulations of the European Union
or the United States of America.
E. How to file a claim
Call 844-252-7831 to open a claim. You must report the claim
within 90 days of the loss, or as soon as reasonably possible, or
the claim may not be honored. Upon receipt of a notice of claim,
we will provide you with the necessary instructions for filing
proof of loss. Written proof of loss must be submitted to our
Administrator within 120 days of the loss or the claim may not be
honored. Required documentation may include but is not limited
to the following:
• Your card statement reflecting the monthly Eligible Cellular
Wireless Telephone payments for the month preceding the
date the Eligible Cellular Wireless Telephone was Stolen
or suffered damage;
• A copy of your current wireless service provider’s
billing statement;
• If a claim is due to damage, a copy of the repair estimate and
photos of the damage;
• If the claim is due to theft, a copy of the police report filed within
48 hours of the theft; and
• Any other documentation or information reasonably requested
by us to support the claim.
Please see the ‘Legal Disclosure’ section for all disclosures for
this benefit.
ACCOUNT AND BILLING
INFORMATION
Important
Contact Barclays 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.
44
Questions about these benefits? Call: 844-252-7831
This Guide to Benefits is not, by itself, a policy or
contract of insurance or other contract.
Benefits are provided to You, the account holder, at no additional
charge. Non-insurance services may have associated costs, which
will be Your responsibility (for example, legal referrals are free,
but the lawyer’s fee is Your responsibility).
The insurance benefits are provided under a group policy issued
by New Hampshire Insurance Company, an AIG company for all
benefits other than Auto Rental CDW and Warranty Manager that
are provided by Indemnity Insurance Company of North America.
This Guide to Benefits is a summary of benefits
provided to You. The attached Key Terms and EOC
is governed by the Group Policy.
Effective date of benefits: Effective November 1, 2019, this
Guide to Benefits replaces all prior disclosures, program
descriptions, advertising, and brochures by any party. The
Policyholder and the insurer reserve the right to change the
benefits and features of these programs at anytime. Notice will be
provided for any changes.
Cancellation: The Policyholder can cancel these benefits at
any time or choose not to renew the insurance coverage for all
Cardholders. If the Policyholder does cancel these benefits,You
will be notified in advance. If the insurance company terminates,
cancels, or chooses not to renew the coverage to the Policyholder,
You will be notified as soon as is practicable. Insurance benefits
will still apply for any benefits You were eligible for prior to the
date of such terminations, cancellation, or non-renewal, subject
to the terms and conditions of coverage.
Benefits to You: These benefits apply only to the Cardholder
whose cards are issued by U.S. financial institutions. The United
States is defined as the fifty (50) United States, the District of
Columbia, American Samoa, Puerto Rico, Guam, and the U.S.
Virgin Islands. No person or entity other than the Cardholder shall
have any legal or equitable right, remedy, or claim for benefits,
insurance proceeds and damages under or arising out of these
programs. These benefits do not apply if Your card privileges have
been cancelled. However, insurance benefits will still apply for any
| LEGAL DISCLOSURE
45
Questions about these benefits? Call: 844-252-7831
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.
Dispute Resolution – Arbitration: This EOC requires binding
arbitration if there is an unresolved dispute concerning this EOC
(including the cost of, lack of or actual repair or replacement
arising from a loss or breakdown). Under this Arbitration provision,
You give up Your right to resolve any dispute arising from this
EOC by a judge and/or a jury. You also agree not to participate
as a class representative or class member in any class action
litigation, any class arbitration or any consolidation of individual
arbitrations. In arbitration, a group of three (3) arbitrators (each
of whom is an independent, neutral third party) will give a decision
after hearing the parties’ positions. The decision of a majority
of the arbitrators will determine the outcome of the arbitration
and the decision of the arbitrators shall be final and binding and
cannot be reviewed or changed by, or appealed to, a court of law.
To start arbitration, the disputing party must make a written
demand to the other party for arbitration. This demand must
be made within one (1) year of the earlier of the date the loss
occurred or the dispute arose. The parties will each separately
select an arbitrator. The two (2) arbitrators will select a third
arbitrator called an “umpire.” Each party will each pay the expense
of the arbitrator selected by that party. The expense of the umpire
will be shared equally by the parties. Unless otherwise agreed to
by the parties, the arbitration will take place in the county and
state in which You live. The arbitration shall be governed by the
Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state
law concerning arbitration. The rules of the American Arbitration
Association (adr.org) will apply to any arbitration under this
EOC. The laws of the state of New York (without giving effect to
its conflict of law principles) govern all matters arising out of or
relating to this EOC and all transactions contemplated by this
EOC, including, without limitation, the validity, interpretation,
construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence
to avoid or diminish any theft, loss or damage to the property
insured under these programs. “Due diligence” means the
performance of all vigilant activity, attentiveness, and care that
would be taken by a reasonable and prudent person in the same or
similar circumstances in order to guard and protect the item.
Subrogation: If payment is made under these benefits, the
insurance company is entitled to recover such amounts from
other parties or persons. Any party or Cardholder who receives
46
Questions about these benefits? Call: 844-252-7831
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.
Misrepresentation and Fraud: Benefits shall be void if the
Cardholder has concealed or misrepresented any material facts
concerning this coverage.
Other Insurance: Coverage is secondary to and in excess of
any other applicable insurance or indemnity available to You.
Coverage is limited to only those amounts not covered by any
other insurance or indemnity. It is subject to the conditions,
limitations, and exclusions described in this document. In no event
will this coverage apply as contributing insurance. This Other
Insurance clause will take precedence over a similar clause found
in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing
insurance. The non-contribution insurance clause will take
precedence over the non-contribution clause found in any other
insurance policies.
Severability of Provisions: If in the future any one or more of the
provisions of this Guide to Benefits is, to any extent and for any
reason, held to be invalid or unenforceable, then such provision(s)
shall be deemed “severable” from the remaining provisions of the
Guide. In that event, all other provisions of this Guide shall remain
valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the
conditions, limitations, and exclusions described in each benefit
section. Receipt and/or possession of this Guide to Benefits does
not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and
coverages and, in case of a conflict between the Guide and the
master insurance policies, or an issuer’s, actual offerings, such
master policies or actual offering shall control. Provision of
services is subject to availability and applicable legal restrictions.
From time to time benets may be modied, updated or
removed. All benets may not be listed in this Guide to
Benets. Please go to the Rewards and Benets section
of the customer website at BarclaysUS.com for more
information about all the benets available to you and
toview your current Guide to Benets.
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