J.D. Hodges

Chase recently added new benefits to their Signature VISA line of credit cards. Here is the complete info:

GUIDE TO BENEFITS

For questions, call 1-888-320-9656. Effective 11/01/13 BGC10319

• Auto Rental  Collision  Damage  Waiver 
• Purchase  Protection
• Extended  Warranty Protection
• Protection for the unexpected.
• Price Protection

Visa Signature®2 Questions? Call 1-888-320-9656

Benefit Information
What is Auto Rental CDW?
The Auto Rental CDW benefit provides reimbursement for damage
due to collision or theft up to the actual cash value of most rental
vehicles. Within your country of residence, Auto Rental CDW is
secondary coverage which means it supplements, and applies in
excess of, any valid and collectible insurance or reimbursement from
any source. It does not duplicate insurance provided by or purchased
through the auto rental company. Auto Rental CDW will not pay
for theft or damage reimbursable by your own insurer, employer,
employer’s insurance, or any other valid and collectible reimbursement.
However, this benefit will pay for the outstanding deductible portion or
other charges, including valid administration and loss-of-use charges
not covered by your applicable automobile insurance policy.
Outside your country of residence or if you do not have automobile
insurance, you do not have to claim payment from any other source of
insurance before receiving coverage under this benefit.
What steps do I need to take to ensure that Auto
Rental CDW is in effect when I rent a vehicle?
Here’s what you need to do:
1. Initiate and complete the entire rental transaction using your card
that is eligible for the benefit.
2. Decline the rental company’s collision damage waiver or similar
provision if it is offered to you. The company may refer to the
collision damage waiver as CDW or LDW in their contract or when
speaking with you. If you accept the collision damage waiver
offered by the rental company, you will not be eligible for
Auto Rental CDW.
What if the auto rental company insists that
I purchase its car insurance or collision
damage waiver?
Call the Benefit Administrator for help.
Is there anything else I should do when I’m
renting a vehicle?
It’s always good practice to review the rental agreement and become
familiar with its terms and conditions. Also, make sure you decline the
rental company’s CDW/LDW option as mentioned above.
Check the vehicle for prior damage before leaving the rental lot. If you
notice damage, report it to your rental agent before leaving the lot.
Coverage Information
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”) and your name is embossed on the card. You
are then covered as the primary renter of the vehicle and any additional
drivers permitted to operate it under the terms of the rental agreement
(“Authorized Person”) are also covered.
Auto Rental Collision Damage Waiver
(Auto Rental CDW)
Your Guide to Benefits describes the benefit that is in effect as of
11/01/2013. Information in this guide takes the place of any prior
benefit and benefit description you may have previously received.
Your effective date of eligibility is determined by Chase.
Please keep the guide with your account information for future
reference and call the Benefit Administrator if you have any questions
before taking advantage of the benefit.
When and where am I covered?
The benefit is available in the United States and most foreign
countries. Coverage is not available where it is prohibited by law
or by individual merchants, or is in violation of the territory terms of
the rental agreement. Please note: Regulations vary outside the
United States, so we recommend that you check with your auto
rental company and Benefit Administrator before you travel to
make sure your Auto Rental CDW will apply.
This benefit is in effect while the rental vehicle remains in your control
or in the control of another Authorized Person. Coverage ends when
the rental company reassumes control of the vehicle.
What is covered?
Auto Rental CDW reimburses you for covered losses to the rental
vehicle while it is in your control or in control of another Authorized
Person. The benefit only covers vehicle rental periods that do not
exceed or are not intended to exceed thirty-one (31) consecutive
days within or outside of your country of residence.
Covered losses are:
• Physical damage and/or theft of the covered rental vehicle
• Valid loss-of-use charges assessed by the rental company while the
damaged vehicle is being repaired and is not available for use, as
substantiated in the company’s fleet utilization log
• Reasonable and customary towing charges related to a covered
loss to take the vehicle to the nearest qualified repair facility
Auto Rental CDW is secondary coverage and provides reimbursement up
to the actual cash value of the vehicle as it was originally manufactured.
Most private passenger automobiles, minivans, and sport utility vehicles
are eligible for coverage, but some restrictions may apply.
What types of rental vehicles are not covered?
Excluded worldwide are: expensive, exotic, and antique automobiles;
certain vans; vehicles that have an open cargo bed; trucks; motorcycles,
mopeds, and motorbikes; limousines; and recreational vehicles.
• Examples of excluded expensive or exotic automobiles
are these brands: Aston Martin, Bentley, Bricklin, Daimler,
DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati,
Porsche, and Rolls Royce. However, selected models of BMW,
Mercedes-Benz, Cadillac, and Lincoln are covered
• An antique automobile is defined as any vehicle over twenty (20)
years old or any vehicle that has not been manufactured for ten (10)
years or more.
• This benefit is provided only for those vans manufactured and
designed to transport a maximum of eight (8) people and which are
used exclusively to transport people.
If you have any questions about a specific vehicle, please call the
Benefit Administrator.
What else is not covered?
• Any obligation you assume under any other agreement
• Any violation of the auto rental agreement
• Confiscation by authorities
• Cost of any insurance or collision damage offered or purchased
through the auto rental company
• Depreciation of the rental vehicle caused by loss or damage, which
includes but is not limited to “diminished value” (“diminished value”
is the monetary difference between a vehicle’s pre-accident retail
book value and its retail book value after reasonable repairs are
made as the result of an accident)
• Expenses assumed, waived, or paid by the rental agency or its insurer
• Expenses reimbursed under your personal auto insurance policy,
your employer or your employer’s insurance
Outside of the U.S., call collect at 1-804-673-1691 3• Injury of anyone or anything inside or outside of the vehicle
• Items not installed by the original manufacturer
• Leases and mini leases
• Loss due to hostility of any kind (including but not limited to war,
invasion, rebellion, or insurrection)
• Loss due to intentional acts or due to the driver(s) being under the
influence of alcohol, intoxicants, or drugs, or due to transportation of
contraband or engagement in illegal activities
• Loss due to off-road operation of the rental vehicle
• Loss or damage as a result of the Cardholder’s lack of reasonable
care in protecting the rental vehicle before or after damage occurs
(for example, leaving the vehicle unattended and running)
• Loss or theft of personal belongings
• Losses for which a claim form has not been received within
one hundred (100) days†
from the date of the loss
• Losses for which all required documentation has not been received
within three hundred and sixty-five (365) days from the date of loss
• Losses reported more than sixty (60) days†
from the date of loss
• Personal liability
• Rental periods that exceed or are intended to exceed
thirty-one (31) consecutive days within your country of residence
or thirty-one (31) consecutive days outside your country
of residence
• Vehicles that do not meet the definitions of covered vehicles
• Wear and tear, gradual deterioration, or mechanical breakdown
Claim Information
What do I do if I have an accident or the rental
vehicle is stolen?
Call the Benefit Administrator immediately to report theft or
damage, regardless of whether your liability has been established.
The Benefit Administrator will answer any questions you or the
rental agency may have and will then send you a claim form.
Is there a time period during which I must report
any incident?
It’s important to report all incidents as soon as possible
following the incident. You must report the incident no later than
sixty (60) days†
following the date of the theft or damage. We
reserve the right to deny any claim containing charges that the
Benefit Administrator would not have included had it been notified of
those expenses before they were incurred. It’s important that you notify
us as soon as possible after any loss. You must make every reasonable
effort to protect the rental vehicle from damage or theft.
How do I file a claim?
Please remember that you, the Cardholder, are responsible for
reporting your claim to the Benefit Administrator within sixty
(60) days†
of the date of theft or damage. If the claim is reported
after this time frame, your claim may be denied. Please note that
reporting the claim to another party will not fulfill your responsibility to
report it to the Benefit Administrator.
What documentation do I need to provide to the
Benefit Administrator?
• The completed and signed Auto Rental Collision Damage Waiver
Claim Form: Your completed claim form must be postmarked
within one hundred (100) days†
of the date of theft or damage,
even if all other required documentation is not yet available. If
your claim form is not postmarked within this time frame, your
claim may be denied
• A copy of your receipt or monthly billing statement showing that
the entire vehicle rental was charged to and paid for with your
eligible card
Also, enclose all the documents you received from the car rental
company. You should ask the rental company for these documents
immediately at the time of the theft or damage or when you return the
vehicle to the company:
• A copy of the Accident Report Form and claim document: this
should indicate the costs you are responsible for and any amounts
that have been paid toward the claim
• A copy of the entire auto rental agreement(s)
• A copy of the repair estimate or itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
• A police report, if obtainable
• Any other documentation deemed necessary, in the Benefit
Administrator’s sole discretion, to substantiate the claim
If you experience difficulty in obtaining all the required documents
within one hundred (100) days†
of the date of theft or damage,
just submit the claim form and any documentation you have
available. Note: All remaining documents not submitted with
the claim form must be postmarked within three hundred and
sixty-five (365) days of the date of theft or damage.
Do I have to do anything else?
Usually, there is nothing else you need to do. Generally, the claim
will be paid within fifteen (15) days after the Auto Rental CDW
Benefit Administrator has received all documentation needed to fully
substantiate your claim. After the Benefit Administrator has paid your
claim, all of your rights and remedies against any party regarding
the theft or damage to the vehicle 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 these rights and remedies.
†
Not applicable to residents of certain states.
Additional Provisions for Auto Rental CDW: You must make every
effort that would be made by a reasonable and prudent person to
protect the Rental Vehicle from damage or theft. This provision will not
be applied unreasonably to avoid claims.
If you make any claim knowing it to be false or fraudulent in any
respect—including, but not limited to, the cost of repair services—you
will not be covered for the claim and your benefits may be canceled.
You and any other Authorized Person permitted to operate the vehicle
under the terms of your rental agreement agree that all 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.
Once you report an occurrence, a claim file will be opened and it
will remain open for six (6) months from the date of the damage
or theft. No payment will be made on a claim that is not completely
substantiated in the manner required by the Benefits Administrator
within twelve (12) months of the date of damage or theft.
No legal action for a claim may be brought against the Provider until
sixty (60) days after the Provider receives proof of loss. After the
expiration of three (3) years from the time written proof of loss was to
be provided, no action shall be brought to recover on this coverage.
Further, no legal action may be brought against the Provider unless all
of the terms in this Guide to Benefits have been complied with fully.
This benefit is provided to you as an eligible Cardholder at no additional
cost. The terms and conditions contained in this Guide to Benefits
may be modified by subsequent endorsements. Modifications to these
4 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 5terms and conditions may be provided via additional Guide to Benefits
mailings, statement inserts, statement messages, or email or other
secure portal messaging vehicles. The benefits described in this
Guide will not apply to Cardholders whose accounts have been
suspended or canceled.
Termination dates may vary by financial institutions. Chase can cancel
or non-renew the benefit for Cardholders, and if they do, they will notify
you at least thirty (30) days in advance.
This information is a description of the benefit provided to you as an
eligible Cardholder. Indemnity Insurance Company of North America
(“Provider”) is the underwriter of this insurance policy and is solely
responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
V-ARCDW (04-13) FORM # CCDW010712 con sec
6 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 7
Purchase Protection
Benefit Information
What is Purchase Protection?
• Purchase Protection covers eligible items of personal property
you purchase using your Account in the event of theft, damage or
involuntary and accidental parting with property.*
• If you buy an eligible item in the United States using your Account
or rewards points earned on your Account and experience theft,
damage, or involuntary and accidental parting with property
within one hundred and twenty (120) days from the date of your
purchase, Purchase Protection will replace, repair, or reimburse you
up to a maximum of five hundred ($500) dollars for each claim
and up to fifty thousand ($50,000) dollars for each Account. The
decision to replace, repair, or reimburse you will be made at the
Benefit Administrator’s discretion.
• To be eligible for coverage, you must charge some portion of the
price of the purchased item to your Account. You will only be
reimbursed up to the dollar amount to replace or repair the item or
the program limit, whichever is less.
• Purchase Protection provides coverage in excess of any valid and
collectible insurance or indemnity. This includes but is not limited to
homeowner, rental, automobile, and employer insurance policies.
Coverage Information
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”) and to whomever receives gifts purchased with
your Chase credit card account (“Account”).
What is covered?
• Certain personal items are covered when you purchase them
using your Account or rewards points earned on your Account.
The conditions for coverage are theft, damage, or involuntary and
accidental parting with property. Involuntary and accidental parting
with property means the unintended separation from an item of
personal property in which the item’s location is known but recovery
is impractical to complete.
• Items purchased outside of the U.S. are covered as long as they are
purchased with your Account and the purchase meets the terms
and conditions of Purchase Protection.
• Gifts are covered as long as they are purchased with your
Account and the purchase meets the terms and conditions of
Purchase Protection.
What is not covered?
• Animals and living plants
• Antiques and collectible items
• Boats, aircraft, automobiles, and any other motorized vehicles and
their motors, equipment or accessories, including trailers and other
items that can be towed by or attached to any motorized vehicle
• Computer software
• Items purchased for resale, professional, or commercial use
• Items that mysteriously disappear. “Mysterious disappearance” means
the vanishing of an item in an unexplained manner when there is an
absence of evidence of a wrongful act by a person or persons
• Items under the care and control of a common carrier (including
U.S. Postal Service, airplanes, or delivery service)
• Items including but not limited to, jewelry and watches from
your baggage unless it is hand-carried and under your personal
supervision, or under the supervision of your traveling companion
who is previously known to you
• Losses resulting from abuse, fraud, hostilities of any kind (including,
but not limited to, war, invasion, rebellion, insurrection, or terrorist
activities), confiscation by the authorities, risks of contraband, illegal
activities, normal wear and tear, flood, earthquake, radioactive
contamination, or damage from inherent product defects
• Losses resulting from misdelivery or voluntary parting with property
• Medical equipment
• Perishables, consumables, including but not limited to perfumes,
cosmetics, and limited-life items such as rechargeable batteries
• Traveler’s checks, cash, tickets, credit or debit cards, and any other
negotiable instruments
• Used or pre-owned items
Claim Information
How do I file a claim?
1. Call the Benefit Administrator within ninety (90) days after the loss,
damage, or theft. The customer service representative will ask you
for some preliminary claim information and send you the appropriate
claim form. Please note: If you do not contact the Benefit
Administrator within ninety (90) days of the loss, your claim
may be denied.
2. Complete the claim form you receive from the Benefit Administrator.
Be sure to provide all of the information requested and return the
information within one hundred and twenty (120) days from the
date of loss, theft, or damage.
Gift recipients of eligible items are also covered by the claims process.
However, a gift recipient must provide all the documents necessary to
fully substantiate the claim.
What documents do I need to submit with my claim?
• Your completed and signed claim form
• A copy of your card receipt
• A copy of the itemized store receipt
• If more than one method of payment was used, documentation
linking the purchase back to the Account must be included
• A copy of the police report (made within forty-eight [48] hours of
the occurrence in the case of theft), fire report, insurance claim,
loss report or other report sufficient to determine your eligibility for
Purchase Protection
• A copy of your insurance declaration page, when applicable
• Documentation (if available) of any other settlement of the loss8 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 9
• Any other documentation deemed necessary, in the Benefit
Administrator’s sole discretion, to substantiate the claim
If the claim is for a damaged item:
Please be sure to retain the damaged item. To substantiate your
claim, you will most likely be asked to send the damaged item to the
Benefit Administrator at your expense.
Please note that all claims must be fully substantiated as to the
time, place, cause, and amount of damage or theft.
How will I be reimbursed?
At its discretion and depending on the nature and circumstances of
the incident, the Benefit Administrator may choose to address your
claim in one of two ways:
1. A damaged item may be repaired, rebuilt, or replaced wholly or
in part. A stolen item may be replaced. You will be notified
of the decision to repair, rebuild, or replace your item within
fifteen (15) days following receipt of the required proof-of-theft/
damage documentation.
2. You may be reimbursed for the covered item. The reimbursement
will be for no more than the original purchase price of the covered
item as shown on your Account receipt, less shipping and handling
charges, up to a maximum of five hundred ($500) dollars per claim
and fifty thousand ($50,000) dollars per Account.*
You will only be reimbursed up to the amount charged to your Account
or the program limit whichever is less. Additionally, any purchases
made using rewards points associated with the Account are eligible
for this benefit and you will only be reimbursed up to the dollar amount
to replace or repair the item or the program limit, whichever is less.
Under normal circumstances, reimbursement will take place within five
(5) business days of receipt and approval of all required documents.
In either case, the Benefit Administrator’s payment, replacement, or
repair made in good faith will fulfill the obligation under the benefit.
Do I have to file a claim with my insurance company?
Yes. If you have personal (i.e. homeowner’s, renter’s, or automobile)
insurance, you are required to file a claim with your insurance company
and to submit a copy of any claims settlement from your insurance
company along with your claim form.*
At the discretion of the Benefit Administrator, a copy of your personal
declaration page may be sufficient when the claim amount is within
your personal insurance deductible.
* Note: Purchase Protection provides coverage on an “excess”
coverage basis. That means it does not duplicate, but pays in
excess of, valid and collectible insurance or indemnity (including,
but not limited to, homeowner, renter, automobile, or employer
insurance policies). After all insurance or indemnity has been
exhausted, Purchase Protection will cover the loss up to the amount
charged to your Account, and subject to the terms, exclusions, and
limits of liability of the benefit. Purchase Protection will also pay for
the outstanding deductible portion of your insurance or indemnity
for eligible claims. The maximum limit of liability is five hundred
($500) dollars per claim occurrence, and fifty thousand ($50,000)
dollars per Account. You will receive no more than the purchase
price as recorded. Where a protected item is part of a pair or set,
you will receive no more than the value (as described herein) of
the particular part or parts, stolen or damaged, regardless of any
special value that the item may have as part of such a pair or set,
nor more than the proportionate part of an aggregate purchase
price of such pair or set. Purchase Protection is not “contributing”
insurance, and this “non-contribution” provision shall take precedence
over “non-contribution” provisions found in insurance or indemnity
descriptions, policies, or contracts.
Additional Provisions for Purchase Protection: This protection
provides benefits only to you, the eligible Cardholder, and to
whomever receives the eligible gifts you purchase with your Account.
You shall use due diligence and do all things reasonable to avoid or
diminish any loss or damage to property protected by this benefit. This
provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any
respect including, but not limited to, the cost of repair services, no
coverage shall exist for such claim and your benefits may be canceled.
Each Cardholder agrees that any representations regarding claims will
be accurate and complete. Any and all relevant provisions shall be void
in any case of fraud, intentional concealment, or misrepresentation of
material fact by the Cardholder.
Once you report an occurrence, a claim file will be opened and
shall remain open for six (6) months from the date of the damage
or theft. No payment will be made on a claim that is not completely
substantiated in the manner required by the Benefit Administrator
within six (6) months of the date of damage or theft.
After the Benefit Administrator has paid your claim of loss or damage,
all your rights and remedies against any party in respect of this loss or
damage will be transferred to the Benefit Administrator to the extent
of the payment made to you. You must give the Benefit Administrator
all assistance as may reasonably be required to secure all rights
and remedies.
No legal action for a claim may be brought against the Provider until
sixty (60) days after the Provider receives proof of loss. No legal
action against the Provider may be brought more than two (2) years
after the time for giving proof of loss. Further, no legal action may
be brought against the Provider unless all the terms of this Guide to
Benefit have been complied with fully.
This benefit is provided to eligible Cardholders at no additional cost.
The terms and conditions contained in this Guide to Benefit 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 email or other secure portal
messaging vehicles. The benefit described in this Guide to Benefit
will not apply to Cardholders whose Accounts have been suspended
or canceled.
Termination dates may vary by financial institutions. Chase can cancel
or non-renew the benefit for Cardholders, and if they do, they will notify
you at least thirty (30) days in advance.
This information is a description of the benefit provided to you as an
eligible Cardholder. Indemnity Insurance Company of North America
(“Provider”) is the underwriter of this insurance policy and is solely
responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
V-PS-EP (04-13) FORM# PURPRO010712 acct10 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 11
Benefit Information
What is Extended Warranty Protection?
Extended Warranty Protection extends the time period of the original
manufacturer’s written U.S. repair warranty by one (1) additional
year on eligible warranties of three (3) years or less, up to a
maximum of ten thousand ($10,000.00) dollars per claim, and a
fifty thousand ($50,000.00) dollars maximum per Account.
To be eligible for coverage, you must charge some portion of the item’s
purchase price to your Account or use reward points earned on your
Account toward the purchase. This benefit is secondary to any service
contract or Extended Warranty you have purchased or received.
Extended Warranty Protection’s registration service
Although registration is not required for Extended Warranty Protection
benefits, you are encouraged to consider registration to help you
take full advantage of your warranties. When your warranties are
registered, you have access to key information about your coverage
with a single toll-free call to the Benefit Administrator. And if you send
copies of your sales receipts and warranty information to the Benefit
Administrator, it will be kept on file. Call the Benefit Administrator for
information regarding the security of registering your purchases.
Coverage Information
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”), and to whomever receives gifts purchased with
your Chase credit card account (“Account”).
What is covered?
• Eligible items with a valid original manufacturer-written U.S. repair
warranty of three (3) years or less
• Gifts purchased with your Account and meet the terms and
conditions of the benefit
• Items purchased outside the United States are covered as long
as they are purchased with your Account and the eligible item has
either a valid original manufacturer-written U.S. repair warranty of
three (3) years or less, a store-purchased dealer warranty, or an
assembler warranty.
What items are not covered?
• 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- written U.S. repair warranty, as supplied
by the original manufacturer, or other eligible warranty
• Items purchased for resale, professional, or commercial use
• Rented or leased items or items purchased on an installment plan
and for which the entire purchase price was not paid in full at the
time of the occurrence
• Computer software
• Medical equipment
• Used or pre-owned items
Claim Information
How do I file a claim?
• Call the Benefit Administrator as soon as possible upon learning of
a product failure. Please note that if you do not notify the Benefit
Administrator within ninety (90) days after the product failure, your
claim may be denied.
Extended Warranty Protection • The Benefit Administrator will ask you for some preliminary claim
information, direct you to the appropriate repair facility, and send
you the appropriate claim form.
• To file a claim, you need to provide copies of your card receipt, store
receipt, the original manufacturer-written U.S. warranty, and any
other applicable warranty unless the purchase is registered. This
claim form must be completed, signed, and returned with all the
requested documentation within one hundred and twenty (120)
days of the product failure. Unless otherwise noted, the date of
loss shall be the date you first notified the Benefit Administrator.
Gift recipients of eligible items are also covered by the claims process,
if desired. However, a gift recipient must provide all the documents
necessary to fully substantiate the claim.
What documents do I need to submit with my claim?
• Your completed and signed claim form
• A copy of your card receipt
• The itemized store receipt (if more than one method of payment was
used, documentation linking the purchase back to the Account must
be included)
• A copy of the original manufacturer – written U.S. warranty and any
other applicable warranty
• A description and serial number of the item, and any other documentation
deemed necessary to substantiate your claim. This includes bills and, if
necessary, a copy of the maintenance record and receipts
• The original repair order
Please note that all claims must be fully substantiated.
How will I be reimbursed?
• Once your claim has been verified, the item will be repaired
or replaced at the Benefit Administrator’s discretion. The
replacement or repair will be for no more than the original
purchase price of the covered item less shipping and handling
fees, up to a maximum of ten thousand ($10,000.00) dollars, as
recorded on your card receipt, and fifty thousand ($50,000.00)
dollars maximum per Account.
• Extended Warranty Protection will pay the facility directly for repairs,
if possible, or you may go to an authorized repair facility and file a
claim for reimbursement. Only valid and reasonable repairs made
at the manufacturer’s authorized repair facility are covered. In
either case, the Benefit Administrator’s payment, replacement, or
repair made in good faith will fulfill the obligation under the benefit.
• You will only be reimbursed up to the amount charged to your
Account or the program limit, whichever is less. Additionally, any
purchases made using rewards points associated with the Account
are eligible for this benefit and you will only be reimbursed up to
the dollar amount to replace or repair the item or the program limit,
whichever is less.
Under normal circumstances, reimbursement will take place within five
(5) business days of receipt and approval of all required documents.
Do I have to file with my insurance company?
No. However, if you have purchased or received a service contract
or Extended Warranty, Extended Warranty Protection is secondary to
that coverage.
Additional Provisions for Extended Warranty Protection: This
protection provides benefits only to you, the eligible Cardholder, and to
whoever receives the eligible gifts you purchase with your eligible card.
You shall use due diligence and do all things reasonable to avoid or
diminish any loss or damage to property protected by this benefit. This
provision will not be unreasonably applied to avoid claims.12 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 13
If you make any claim knowing it to be false or fraudulent in any respect
including, but not limited to, the cost of repair services, no coverage shall
exist for such claim and your benefits may be canceled. Each 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 by the Cardholder.
Once you report an occurrence, a claim file will be opened and
shall remain open for six (6) months from the date of the damage
or theft. No payment will be made on a claim that is not completely
substantiated in the manner required by the Benefit Administrator
within six (6) months of the date of product failure.
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.
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 Benefit 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 Benefit may be modified
by subsequent endorsements. Modifications to the terms and conditions
may be provided via additional Guide to Benefit mailings, statement
inserts, statement messages or email or other secure portal messaging
vehicles. The benefit described in this Guide to Benefit will not apply to
Cardholders whose Accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Chase can cancel
or non-renew the benefit for Cardholders, and if they do, they will notify
you at least thirty (30) days in advance.
This information is a description of the benefit provided to you as an
eligible Cardholder. Indemnity Insurance Company of North America
(“Provider”) is the underwriter of this insurance policy and is solely
responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
V-PS-EP (04-13) FORM # CEWP010712 acct con
Benefit Information
What is Price Protection?
• Price Protection provides reimbursement for the difference in price
on products you buy with your Account or by using rewards points
earned on that Account.
• If you purchase an eligible item with your Account in the
United States and see a Printed Advertisement at any retail store or
Non-auction Internet Advertisement for less within ninety (90) days
of the original purchase date, simply file a valid claim and the Benefit
Administrator will reimburse you the difference up to five hundred
($500.00) dollars for each item. Price Protection is limited to
twenty-five hundred ($2,500.00) dollars a year for each Account.
• Price Protection is limited to fifty ($50.00) dollars for each item
and one hundred and fifty ($150.00) dollars a year for each
Account for advertisements of cash only, close-out, liquidation and
going-out-of-business sales.
• Price Protection is secondary to and in excess of store policies
offering a lowest-price guarantee or any other form of refund for
price differences, and any other valid and collectible avenue of
recovery for which you are eligible.
Price Protection
• To be eligible for coverage, you must charge some portion of
the item’s purchase price to your Account or use rewards points
earned on your Account toward the purchase. You will only be
reimbursed up to the amount charged to your Account or the
program limit.
What documentation should I obtain at the time of
purchase so that I can file a claim if necessary?
• Use your Account to purchase the eligible item. Save all original
receipts, paperwork related to your Account and an itemized
store receipt.
• The Printed Advertisement or Non-Auction Internet Advertisement
must include a description of an item identical to the one
purchased, along with the sale price, the store or dealer’s name,
and the date(s) the sale is in effect. The sale date must be within
ninety (90) days after the original purchase date.
Coverage Information
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”) and has made purchases with your Chase credit
card account (“Account”).
What printed advertisements are not covered under
Price Protection?
Price Protection does not apply to:
• Advertisements for flea markets, fire sales, limited quantity
promotions, seasonal sales or Auctions
• Advertisements of sales of seasonal or discontinued items including,
but not limited to, holiday decorations, clothes, or costumes
What is not covered?
Price Protection does not cover the following items:
• Animals and living plants
• Boats, automobiles, and any other motorized vehicles and their
motors, equipment, and accessories
• Cell phone service agreements and cell phone contracts
• Items advertised or shown as price quotes, and bids or final sale
amounts from a non-auction Internet site
• Items returned to any store and layaway items
• Items previously owned, sold “as is,” and refurbished items
• Items purchased for resale, professional, or commercial use
• Items purchased outside of the United States
• Jewelry, antiques, collectible items, rare or one-of-a-kind items,
special order items, custom items, and tailored items
• Manufacturer or merchant rebates
• Perishables, services, consumables, and limited-life items including,
but not limited to, rechargeable batteries
• Price differences involving manufacturer and/or merchant rebates,
shipping and handling fees, and sales tax, if any, are not covered by
the Price Protection benefit
• Traveler’s checks, cash, tickets, credit or debit cards, and any other
negotiable instruments
Claim Information
How do I file a claim?
1. Call the Benefit Administrator within twenty-one (21) days of the
date of the advertisement. 14 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 15
2. Complete the claim form you receive from the Benefit Administrator.
Be sure to provide all information requested and return the
documentation within forty-five (45) days after your request for
a claim form. You can always call the Benefit Administrator if you
have any questions.
3. Include the following documentation with your claim form:
• The original itemized sales receipt
• The original card receipt demonstrating that the purchase was
made on your Account. If more than one method of payment was
used, include documentation that shows a portion of the purchase
was made with your Account
• The original Printed or non-Auction Internet site advertisement
showing the item, sale date and/or date of the advertisement,
lower advertised price, and advertising store name
• Any other documentation deemed necessary, in the Benefit
Administrator’s sole discretion, to substantiate the claim
4. Send all information to the Benefit Administrator:
Card Benefit Services
P.O. Box 72034
Richmond, VA 23255
How will I be reimbursed if my claim is approved?
• You will be reimbursed the difference in the price, up to a
maximum of five hundred ($500.00) dollars for each item
and twenty-five hundred ($2,500.00) dollars a year for
each Account.
• For advertisements of cash only, close-out, liquidation and
going-out-of-business sales, you will be reimbursed for the
difference in price up to a maximum of fifty ($50.00) dollars for
each item and one hundred and fifty ($150.00) dollars a year
for each Account.
• If your documentation is not complete, the Benefit Administrator
will request additional information, which must be supplied within
sixty (60) days of the request.
• You will only be reimbursed up to the amount charged to your
Account or the program limit, whichever is less. Additionally, any
purchases made using rewards points associated with the
Account are eligible for this benefit.
Definitions
Printed Advertisements – advertisements appearing in a newspaper,
magazine, store circular, or catalog that state the authorized dealer or store
name, item (including make and model number), and sale price distributed
in the United States to the general public and placed by a manufacturer
or authorized dealer of the consumer product in the United States. The
advertisement must provide information stating the same manufacturer
and model number of the item purchased. Any advertisement that is cut
down or altered in any manner will not be sufficient documentation of
loss. Therefore, any advertisements, catalogs, etc. must be submitted in
whole with date verification. The only exception will be magazines and
newspapers. In this case, you do not need to send the whole publication,
but you will be required to send the whole page or pages in which the
advertisement is found, with the date and name of the publication.
Non-Auction Internet Advertisements – advertisements
posted on the Internet, by a non-Auction Internet merchant with
a valid tax identification number. The advertisement must provide
information stating the same manufacturer and model number of
the item purchased. The printed version of the Non-Auction Internet
advertisement must include the merchant’s Internet address and
customer service telephone number, as well as the item, including
manufacturer, model number, sale price, and date of publication.
Auction (online or live) – a place or Internet site where items are sold
through bidding or price quotes; or where prices fluctuate based
on the number of people interested in purchasing or attempting to
purchase a product. (Examples include, but are not limited to, eBay,
Ubid, Yahoo, and public or private live auctions.)
Date of Purchase – the date you paid for and received the item, or the
date of delivery and personal acceptance of the item, whichever is later.
Additional Provisions for Price Protection: The Price Protection
benefit is secondary to and excess of any valid and collectible avenue
of recovery which is available to you, the eligible Cardholder. The
Provider will reimburse the excess amount once all other coverage has
been exhausted up to the limit of liability.
This benefit is available only to you, the eligible Cardholder. If you make
any claim knowing it to be false or fraudulent, no coverage shall exist for
such claim and your benefits may be canceled. Each 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 by the Cardholder.
Once you report a claim, a claim file will be opened and shall remain
open for sixty (60) days from the date you reported the claim. No
payment will be made on a claim that is not completely substantiated
in the manner required by the Benefit Administrator within eighty-one
(81) days of the date of the printed advertisement.
After the Benefit Administrator has paid your claim, all rights and
remedies against any party in respect of this loss will be transferred
to the Benefit Administrator to the extent of the cost of payment made
to you. You must give the Benefit Administrator all assistance as may
reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought against the Provider until
sixty (60) days after the Provider receives proof of loss. No legal
action against the Provider may be brought more than two (2) years
after the time for giving proof of loss. Further, no legal action may
be brought against the Provider unless all the terms of this Guide to
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, or statement messages, or email or other secure portal messaging
vehicles. The benefit described in this Guide to Benefits will not apply to
Cardholders whose Accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Chase can cancel
or non-renew the benefit for Cardholders, and if they do, they will notify
you at least thirty (30) days in advance.
This information is a description of the benefit provided to you as
a Cardholder. Indemnity Insurance Company of North America
(“Provider”) is the underwriter of this insurance policy and is solely
responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
V-PS-EP (04-13) FORM # CPRIPRO010712
Return Protection
Benefit Information
What is Return Protection?
• If you are dissatisfied with an item of personal property that you
purchased entirely using your Account or rewards points earned
on the card and the merchant will not accept the return, Return
Protection will reimburse you for the cost of the item within
ninety (90) days of the date it was purchased.16 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 17
• This benefit is limited to two hundred and fifty ($250.00) dollars
for each eligible item and up to one thousand ($1,000.00)
dollars annual maximum per Account. Please note that the
Benefit Administrator must receive the item in like-new/good
working condition.
• Return Protection provides this coverage in excess of any
applicable store guarantees.
Coverage Information
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”) and has made purchases with your Chase credit
card account (“Account”).
What is not covered?
• Animals and living plants
• 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
• Cash, bullion, travelers checks, tickets, credit or debit cards, and
any other negotiable instruments
• Computer software
• Damaged/non-working items
• Formal attire including, but not limited to, cocktail dresses, tuxedos,
gowns, and formal accessories
• Items purchased for resale, professional, or commercial use
• Items purchased outside of the United States
• Items upon which alterations have been made
• Jewelry, art objects, rare or precious coins or stamps, antiques, and
collectible items
• Medical equipment
• Perishables, consumables, and limited-life items including, but not
limited to, rechargeable batteries
• Real estate and items which are intended to become part of real
estate, including, but not limited to, items that are hard-wired or
hard-plumbed, garage doors, garage door openers, and ceiling fans
• Seasonal items including, but not limited to, holiday decorations
Claim Information
How do I file a claim?
1. Call the Benefit Administrator within ninety (90) days of the date of
purchase. The customer service representative will ask you for some
preliminary claim information and send you the appropriate claim form.
2. Return the completed claim form within thirty (30) days of the date
of your call. Be sure to include the original itemized sales receipt and
your original card receipt. If more than one method of payment was
used, documentation linking the entire payment to the Account must
be included.
3. Customers who file a claim within thirty (30) days of the date of the
purchase may be asked to submit proof of the store’s return policy.
4. Please send all information to the Benefit Administrator:
Card Benefit Services
P.O. Box 2894
Great Falls, MT 59403
What happens after I submit my claim?
• When your claim is received a customer service representative will
contact you. If additional documentation is needed, in the Benefit
Administrator’s sole discretion, to substantiate the claim, you will
have an additional sixty (60) days to provide that information.
• When the claim information is complete, the customer service
representative will give you instructions for shipping the item with its
original packaging, plus any manuals and warranties to the Benefit
Administrator. The cost of shipping is at your expense. The Benefit
Administrator must receive the item in like-new/good working
condition before the claim can be approved.
How will I be reimbursed?
• Once your claim has been approved and the item is received, the
Benefit Administrator will issue reimbursement for the purchase
price of the item up to a maximum of two hundred and fifty
($250.00) dollars for each eligible item, one thousand ($1,000.00)
dollars annual maximum for each Account less any applicable
shipping and handling fees.
• Additionally, eligible purchases made using rewards points
associated with the Account are eligible for this benefit.
Additional Provisions for Return Protection: The Return Protection
benefit is secondary to and excess of any valid and collectible avenue of
recovery which is available to you, the eligible Cardholder. The Benefit
Administrator will reimburse the excess amount once all other coverage
has been exhausted up to the limit of liability.
This benefit is available only to you, the eligible Cardholder. If you make
any claim knowing it to be false or fraudulent in any respect, no coverage
shall exist for such claim and your benefits may be canceled. 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 misrepresentations of
material fact by the Cardholder.
After the Benefit Administrator has paid your claim, all rights and
remedies against any party in respect of this loss will be transferred to
the Benefit Administrator to the extent of the payment made to you. You
must give the Benefit Administrator all assistance as may reasonably be
required to secure all rights and remedies.
No legal action for a claim may be brought against the Provider until
sixty (60) days after the Provider receives proof of loss. No legal
action against the Provider may be brought more than two (2) years
after the time for giving proof of loss. Further, no legal action may
be brought against the Provider unless all the terms of this Guide to
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 terms and
conditions may be provided via additional Guide to Benefits mailings,
statement inserts, or statement messages, or email or other secure
portal messaging vehicles. The benefit described in this Guide to
Benefits will not apply to Cardholders whose Accounts have been
suspended or canceled.
Termination dates may vary by financial institutions. Chase can cancel or
non-renew the benefit for Cardholders, and if they do, they will notify you
at least thirty (30) days in advance.
This information is a description of the benefit provided to you as an
eligible Cardholder. Indemnity Insurance Company of North America
(“Provider”) is the underwriter of this insurance policy and is solely
responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
V-PS-EP (04-13) FORM# CRETPRO01071218 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 19
Lost Luggage
Benefit Information
What is the Lost Luggage benefit?
• The benefit reimburses you for costs you incur to repair or replace
Checked Baggage and/or Carry-On Baggage and personal
property contained within due to physical loss or damage, if the
loss (including theft) or damage occurs during a Common Carrier
Covered Trip.
• The Company’s liability will be the actual cash value (replacement
cost less depreciation) of the articles at the time of loss up to the
maximum benefit amount. The Lost Luggage benefit is in excess of
any travel insurance purchased by the Insured Person for the same
Covered Trip or indemnity or reimbursements by the airline, cruise
line, railroad, station authority, occupancy provider available to you.
• The plan is automatically provided to you as a Cardholder and your
Immediate Family Members at no cost to you. Chase Bank USA, N.A.
and/or its affiliates pays the full cost of the insurance.
• To be eligible for this benefit, you must report the loss or
damage to the Common Carrier immediately as soon as
you exit the Carrier. You will need to provide proof that you
submitted a report to the Common Carrier, so be sure to keep a
copy of the report for your records.
What is a Common Carrier Covered Trip?
• It’s travel on a Common Carrier (see definitions section) when
some portion of the fare for transportation has been charged to your
Account issued by Chase Bank USA, N.A. and/or its affiliates.
• It’s also travel on a Common Carrier when free flights have been
awarded from frequent flier or Rewards programs, provided that all
of the miles or Rewards points were accumulated from a Rewards
program sponsored by Chase Bank USA, N.A. and/or its affiliates.
Coverage Information
Who is covered?
You, the Primary Insured Person and your Immediate Family Members
are covered. Immediate Family Members means your Spouse or
Domestic Partner and their children, including adopted children or
step-children; legal guardians or wards; siblings or siblings-in-law;
parents or parents-in-law; grandparents or grandchildren; aunts or
uncles; nieces or nephews.
If I charge multiple Common Carrier fares on my
Account for myself and Immediate Family Members,
does this benefit apply separately to each person?
Yes, each Insured Person is eligible to receive the benefit.
Are my Immediate Family Members covered if I am
not traveling with them?
Yes. The Company will pay the corresponding benefit regardless of
whether you are traveling with them, as long as you have charged
some portion of a Common Carrier fare for the Immediate Family
Members (minus any redeemable frequent flyer miles, points, coupons
or certificates, or other types of redeemable Rewards) to your Account
(subject to the terms and conditions of this description of coverage).
What is covered?
The benefit covers physical loss or damage of Checked Baggage
and/or Carry-On Baggage and personal property in the baggage
belonging to you or an Immediate Family Member. The benefit amounts
are: up to three thousand ($3,000.00) dollars for each Insured
Person (you and your Immediate Family Members) for each Common
Carrier Covered Trip; up to five hundred ($500.00) dollars for each
Insured Person for each Common Carrier Covered Trip for jewelry,
watches, cameras, video recorders, and other electronic equipment.
The benefit amounts for jewelry, watches, cameras, video recorders,
and other electronic equipment are part of and not in addition to the
maximum benefit amount for Lost Luggage. Payment of these benefit
amounts reduces and does not increase the maximum benefit amount
for Lost Luggage.
What is not covered?
• loss of documents or valuable papers, money, securities, tickets,
checks, traveler’s checks or furs.
• any loss of property caused by or resulting from, directly or
indirectly, you or an Immediate Family Member committing or
attempting to commit any illegal act or international act, including
but not limited to any felony.
• any loss of property occurring when 1) the United States of America
has imposed any trade or economic sanctions prohibiting insurance
of any loss of property; 2) there is any other legal prohibition against
providing insurance for any loss of property; or 3) in the event of a
declared or undeclared War.
When does my coverage become effective?
Your insurance becomes effective on the latest of the following:
• the date on which you first meet the eligibility criteria as an
Insured Person
• the date for which the premium for your insurance is paid by
Chase Bank USA, N.A. and/or its affiliates
Your Immediate Family Members, as Insured Persons, are also covered
while the insurance is in effect for the benefits described in this
description of coverage.
When does my coverage terminate?
Your insurance automatically terminates on the earliest of the following:
• the termination date of the policy
• the expiration of the period for which required premium has been
paid for you
• the date on which you no longer meet the eligibility criteria as an
Insured Person
• the date on which the Company pays out 100% of the
benefit amount
Do I need to notify anyone that I’ve booked a
Common Carrier fare to obtain this insurance?
No, it is not necessary for you to notify Chase Bank USA, N.A. and/or
its affiliates, the administrator, or the Company when you purchase
your tickets.
Claim Information
Specific questions and request for claims forms may be submitted to
the Plan Administrator at the following address:
Plan Administrator
Card Benefit Services
P.O. Box 72034
Richmond, VA 2325520 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 21
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 completed claim form
• a copy of the travel itinerary
• written confirmation that the claim was filed with the Common Carrier
• a copy of the credit card statement that shows the charge for the
Common Carrier fare
• a copy of the settlement or denial from the Common Carrier
• copies of receipts for the purchase of replacement items over
twenty-five ($25.00) dollars
• copies of original receipts
How long do I have to file a claim after the damage
or loss occurs?
You must provide a written claim notice within twenty (20) days after
the occurrence or commencement of any loss or damage covered by
this policy or as soon as reasonably possible. The notice must include
enough information to identify you, and Chase Bank USA, N.A. and/or
its affiliates. Please note that failure to provide a claim notice within
twenty (20) days will not invalidate or reduce any otherwise valid
claim if notice is given as soon as is reasonably possible.
What happens after I send a claim notice to you?
• Within fifteen (15) days of the Company’s receipt of your claim
notice, the Company will send you or your designee forms to
complete that provides the Company with Proof of Loss.
• If you or your designee does not receive the forms, please send the
Company 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.
How long do I have to provide you with Proof of Loss?
You need to send the Company complete Proof of Loss within
ninety (90) days from the date of loss or as soon as reasonably
possible. Please note that failure to provide Proof of Loss within these
time frames will not invalidate or reduce any otherwise valid claim if
notice is given as soon as is reasonably possible, and in no event
later than one (1) year after the ninety (90) day deadline to submit
Proof of Loss, except in cases where the claimant lacks legal capacity.
How soon after I provide Proof of Loss will I receive
payment for my claim?
You will receive payment for your claim for all losses covered under the
plan within sixty (60) days after the Company receives the complete Proof
of Loss if you, Chase Bank USA, N.A. and/or its affiliates and beneficiary,
where applicable, have complied with all the terms of the policy.
Will the benefits be payable to me?
Yes, the benefits for lost luggage are payable to you.
Definitions
Account – credit card Accounts.
Cardholder – an individual to whom a credit card has been issued by
Chase Bank USA, N.A. and/or its affiliates.
Carry-On Baggage – suitcases or other containers specifically
designated for carrying personal property, which are carried on board
a Common Carrier by an Insured Person.
Checked Baggage – suitcases or other containers specifically
designated for carrying personal property, for which a claim check has
been issued to an Insured Person by a Common Carrier.
Common Carrier – any motorized land, water or air Conveyance,
operated by an organization other than Chase Bank USA, N.A. and/or
its affiliates, organized and licensed for the transportation of passengers
for hire and operated by an employee or an individual under contract.
Company – Federal Insurance Company, also referred to as We, Us,
or Our.
Credit Card – a payment medium that takes the form of a Credit Card,
credit plate, charge plate, courtesy card or other identification card or
device issued to you. You may use the Credit Card to purchase, hire,
rent or lease property or services.
Dependent – your Dependent child, Spouse or Domestic Partner.
Dependent Child – your unmarried child, dependent on you for
maintenance and support, under the age of 24, under the age of 25
if enrolled as a full-time student at an Institution of Higher Learning or
classified as an Incapacitated Dependent Child.
Domestic Partner – a person designated by you who is registered as
a Domestic Partner or legal equivalent under the laws of the governing
jurisdiction or who is at least 18 years of age and competent to enter into
a contract; is not related to you by blood; has exclusively lived with you
for at least 12 consecutive months prior to the date of enrollment; is not
legally married or separated and as of the date of enrollment has with
you at least 2 of the following financial arrangements: a 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 you nor your Domestic
Partner can be married to, nor in a civil union with, anyone else.
Incapacitated Dependent Child – a child who, as a result of being
mentally or physically challenged, is permanently incapable of self-support
and permanently dependent on you for support and maintenance. The
incapacity must have occurred while the child was either under the age of
24 or under the age of twenty-five (25) if the child had been enrolled as a
full-time student at an Institution of Higher Learning.
Institution of Higher Learning – any accredited public or private
college, university, professional trade or vocational school beyond the
twelfth (12th) grade.
Insured Person – you, as the Primary Insured Person, and Immediate
Family Members traveling with You on a Covered Trip.
Primary Insured Person – the Cardholder.
Proof of Loss – written evidence acceptable to Us that an Accident,
Accidental Bodily Injury or loss has occurred.
Rewards – means points, miles, cash Rewards, or any other type
of redeemable Rewards, provided that all Rewards have been
accumulated through use of a Chase Bank USA, N.A. and/or its
affiliates sponsored Rewards program.
Spouse – your husband or wife who is recognized as such by the
laws of the jurisdiction in which you reside.
War – hostilities following a formal declaration of war by a governmental
authority; in the absence of a formal declaration of war by a governmental
authority, armed, open and continuous hostilities between two countries or
armed, open and continuous hostilities between two factions, each in control
of territory or claiming jurisdiction over the geographic area of hostility.
General Provisions: The terms We, Us and Our below refer to
Federal Insurance Company. The following provisions apply to the
Insured Persons:
Legal Actions: No legal action may be brought before sixty (60) days
after written Proof of Loss has been furnished as required by the
policy. No such action may be brought after three (3) years from the
time written Proof of Loss is required to be furnished.22 Questions? Call 1-888-320-9656 Outside of the U.S., call collect at 1-804-673-1691 23
Physical Examination and Autopsy: While a claim is pending We have the
right, at Our expense to: 1) have the person who has a loss examined by
a Physician when and as often as We feel is necessary; and 2) make an
autopsy in case of death where it is not forbidden by law.
Examination under Oath: We have a right to examine under oath, as often
as We may reasonably require, the Insured Person or the beneficiary.
We may also require the Insured Person or the beneficiary to provide a
signed description of the circumstances surrounding the loss and their
interest in the loss. The Insured Person and the beneficiary will also
produce all records and documents requested by Us and will permit Us
to make copies of such records or documents. In the event of a claim
under this policy, the Insured Person or the beneficiary, if applicable,
must fully cooperate with Us in Our handling of the claim, including, but
not limited to, the timely submission of all medical and other reports, and
full cooperation with all physical examinations and autopsies that We
may require. If We are sued in connection with a claim under this policy,
then the Insured Person or the beneficiary must fully cooperate with Us in
the handling of such suit. Chase Bank USA, N.A. and/or its affiliates, the
Insured Person or the beneficiary must not, except at their own expense,
voluntarily make any payment or assume any obligation in connection
with any suit without Our prior written consent.
Concealment or Fraud: Insurance under the policy is void if any
Insured Person has intentionally concealed or misrepresented any
material fact relating to this policy before or after a loss or any Insured
Person files a false report of a loss.
Insurance is underwritten by Federal Insurance Company, a member
insurer of the Chubb Group of Insurance Companies. This literature
is descriptive only. Actual coverage is subject to the language
of the policies as issued. Exclusions Apply. Chubb, Box 1615,
Warren, N.J. 07061-1615. 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 a
summary of the principal provisions of the insurance while in effect.
Policy # 9907-28-44
Federal Insurance Company, a member insurer of the Chubb Group of
Insurance Companies, is the underwriter of this insurance policy and is
solely responsible for its administration and claims.
1)riding as a passenger in, entering or exiting any Common Carrier on
which You have purchased passage; or
2)riding as a passenger in, entering or exiting any Conveyance
licensed to carry the public for hire or any Courtesy Transportation
provided without a specific charge and while traveling to or from the
airport, terminal or station:
a) immediately preceding the departure of the scheduled Common
Carrier on which You have purchased passage; or
b) immediately following the arrival of the scheduled Common
Carrier on which the Insured Person was a passenger; or
3) at the airport, terminal or station at the beginning or end of the
Common Carrier Covered Trip
Coverage shall also be provided when free flights have been awarded
from frequent flier or rewards programs provided that all of the miles or
rewards points were accumulated from a rewards program sponsored
by Chase Bank USA, N.A. and/or its affiliates.
If the purchase of the Common Carrier passenger fare is not made
prior to Your arrival at the airport, terminal or station, coverage will
begin at the time some portion of the cost of the Common Carrier
passenger fare is charged to Your Account.
Benefit Information for 24 Hour
Travel Accident Insurance
Who is covered?
This insurance is provided automatically to Cardholders and your
Immediate Family Members. Immediate Family Member means
Your or Your Spouse’s or Domestic Partner’s children, including
adopted children or stepchildren; legal guardians or wards; siblings
or siblings-in-law; parents or parents-in-law; grandparents or
grandchildren; aunts or uncles; nieces or nephews.
What is the 24 Hour Travel Accident benefit and
what is covered?
If You charge Scheduled Airline costs (less any redeemable
frequent flyer miles, points, coupons or certificates, or other types
of redeemable rewards) to Your Account, the Company will provide
Accidental Death, Dismemberment and Loss of Speech, Sight, and
Hearing Benefits to an Insured Person on a twenty-four (24) hour
basis. Twenty-four (24) hour coverage is activated when travel
begins on the departure date printed on the Scheduled Airline ticket
and ends on the return date printed on the Scheduled Airline ticket.
For Scheduled Air Covered Trips more than thirty (30) days in length,
coverage remains in effect until 12:01 a.m. on the thirty-first (31st)
day of the Covered Trip and then terminates. The insurance will be
reactivated only for Your return trip while an Insured Person is:
1) on a Scheduled Airline; or
2)riding as a passenger in, entering or exiting any Conveyance licensed
to carry the public for hire or any Courtesy Transportation provided
without a specific charge and while traveling to or from the airport:
a) immediately preceding the departure of the Scheduled Airline on
which You have purchased passage; or
b) immediately following the arrival of the Scheduled Airline on
which the Insured Person was a passenger; or
3) at the airport at the beginning or end of the Scheduled Air
Covered Trip
Coverage shall also be provided when free flights have been awarded
from frequent flier or rewards programs provided that all of the miles or
rewards points were accumulated from a rewards program sponsored
by Chase Bank USA, N.A. and/or its affiliates.
Travel Accident Insurance
Benefit Information for Common Carrier
Travel Accident Insurance
Who is covered?
This insurance is provided automatically to Cardholders and your Immediate
Family Members. Immediate Family Member means Your or Your Spouse’s
or Domestic Partner’s children, including adopted children or stepchildren;
legal guardians or wards; siblings or siblings-in-law; parents or parents-inlaw; grandparents or grandchildren; aunts or uncles; nieces or nephews.
What is the Common Carrier Travel Accident benefit
and what is covered?
Common Carrier means any motorized land, water or air Conveyance,
operated by an organization, structured and licensed for the
transportation of passengers for hire and operated by an employee of
such organization or an individual under contract.
If You charge some portion of a Common Carrier fare (less any
redeemable frequent flyer miles, points, coupons or certificates, or
other types of redeemable rewards) to Your Account (subject to the
terms and conditions of this description of coverage), the Company
will pay the benefit for a Covered Loss while an Insured Person is: