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Bilt World Elite Mastercard® Credit Card Guide to Benefits

Section 1 - Protection Benefits

Section 2 - Travel Benefits

Your Guide to Benefits describes the benefits in effect as of 02/01/2022. Benefits information in this guide replaces any prior benefits information you may have received. Please read and retain for Your records. Your eligibility is determined by your financial institution. 

This Guide to Benefits details Your insurance’s principal provisions and is not an insurance contract. The master policy defines this plan’s complete provisions. Please keep this reference guide handy and in a safe place with Your other insurance documents. 

For questions about Your account or balance, please call the customer service number on Your Bilt Mastercard statement.

Section 1 - Protection Benefits

  • Cellular Telephone Protection


    When does protection begin?

    Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone payment on your eligible Bilt Mastercard, and remains in effect when you continue to charge your total monthly cell phone bill to your Bilt Mastercard.

    What is covered?

    Cellular Telephone Protection can reimburse the eligible Bilt Mastercard cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e. disappear without explanation).

    What is not covered?

    The coverage does not apply

    • If the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit; 
    • Cell phones that are rented, borrowed, or received as part of a prepaid plan or "pay as you go" type plans; and
    • Electronic failure or issues related to the software of the device. 
    • Lost cell phones (i.e. disappear without explanation).

    This protection is only available when cell phone bills are paid from your Bilt Mastercard. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Bilt Mastercard, and remains in effect when you continue to charge your total monthly cell phone bill to your Bilt Mastercard. This protection may not be equivalent to or better than other applicable coverage.

    Where to get more details?

    For complete coverage benefits and exclusions regarding this protection call 1-866-804-4770, 24 hours a day, seven days a week or go to www.wellsfargo.com/biltctp.

    NOTE: Call your cellular provider (or log on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Bilt Mastercard to get up to $800 protection.

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  • Mastercard ID Theft Protection


    Program Description:

    Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft.

    Eligibility:

    All Mastercard consumer credit cardholders in the US are eligible for this coverage. Enrollment is required.

    Service Provider:

    ID Theft Protection is provided by Generali Global Assistance, Inc. More information about this service provider is available at: https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Access:

    To receive ID Theft Protection, you must enroll at: https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. ID Theft Protection is provided on a 24-hour basis, 365 days a year.  Contact 1-800-Mastercard if you believe you have been a victim of identity theft.

    Charges:

    There is no charge for ID Theft Protection, it is provided by your financial institution.

    Program Provisions for Mastercard ID Theft Protection:

    To receive ID Theft Protection, you must enroll as described above and such benefits related to ID Theft Protection accrue as of the date of enrollment. Mastercard ID Theft Protection is governed by the terms provided in this Guide to Benefits and the Terms and Conditions and Terms of Service available at: https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    The terms and conditions contained in this Guide to Benefits may be modified by subsequent mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the provider non-renews or cancels any services provided to eligible Mastercard cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar service takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-800-Mastercard or please see https://mastercardus.idprotectiononline.com/. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    ID Theft Protection Services Provided:

    1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
      • Personally Identifiable Information (PII)
        • Compromised Credentials monitors for a combination of email address/username/password /security questions located within:
          • Hacker account dump sites
          • Hacktivist forums
          • Data leaks
          • Malware logs
        • Alerts are sent with event details, also listed within resolution console and most often includes source of breach (from where the data was harvested).
        • High-Risk Transactions monitors a Consumer's high-risk transactions with more than 300 of the nation's largest companies to uncover and thwart account takeover attempts. Knowledge-Based Authentication (questions only an individual should know about themselves such as what street they lived on in 2009) used by organizations across industries limits the risk of identity theft or account takeover. Alerts are sent when a series of knowledge-based authentication questions are generated to validate the Consumer's identity (i.e. when accessing a credit report). Monitored transactions include:
          • Credit cards
          • Bank accounts
          • Brokerage accounts
          • Healthcare portals
          • Workplace intranets
          • Other services (e.g. peer-to-peer fund transfers)
        • Dark Web Monitoring provides monitoring of underground web pages people can visit without third parties being able to trace the location of the web visitors or the web page publisher. Dark web sites make up about .01% of the Internet and are intentionally hidden or protected by encryption technologies and not accessible via standard web browsers.
      • Credit Information
        • Single Bureau Credit Monitoring monitors a Consumer’s TransUnion credit file for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. In order to use this service, Consumers must provide some personal information, such as name, address, date of birth, and SSN, and undergo either digital verification via text or knowledge-based authentication. ID Theft Protection sends alert notification emails, such as change of address alerts, anytime potentially unauthorized inquiries or suspicious activities on Consumer's credit file are detected so they can take immediate action to minimize damage.
      • Additional Information
        • Small Business ID Theft Protection upgrades ID Theft Protection identity monitoring services by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for the Consumer’s business URL and domain (limited to 10 domains) within corporate data breaches, malicious third-party botnets and criminal forums.
    2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
      • Email Addresses
      • Debit/Credit Cards
      • Loyalty/Affinity Cards
      • Bank Account Numbers
      • Passport Numbers
      • Medical and Vehicle Insurance Cards
      • Drivers Licenses
      • National Identity Numbers/Social Security Numbers
      • New Lines of Credit
      • Address Changes
    3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE RESOLUTION OR SPECIALIST SUPPORT
      • Self-Service ID Theft Resolution Kit is a self-service resolution document which informs Consumers of the different forms of ID theft, and how to resolve each situation. Resolution tools in the kit include preventive measures, step-by-step guides and sample letters to be sent to collection agencies.
      • Access to Resolutions Specialists which assigns a personal case manager to help take care of everything.
      • Self-Service ID Theft Wizard provides step-by-step advice for many identity theft scenarios that Consumers may face. All ID Theft Protection users have access to the Identity Theft Protection Kit found in the Profile section of their portal, which explains the many forms of identity theft and provides protective measures anyone can take to limit their risk. The kit also contains a Federal Trade Commission sample affidavit form, as well as sample letter templates for filing disputes in cases of identity theft or fraud.
      • Online Fraud Alerts allow Consumers to place a statement on their credit report that instructs lenders to contact the Consumer before issuing new credit. This makes it more difficult for an identity thief to open new accounts in their name. When Consumers place a fraud alert with one bureau, the other two bureaus are informed, and the alert is then placed on all three bureau files. Fraud alert placement is free, and alerts stay on the Consumer credit files for one year.

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  • Purchase Security


    Purchase Security protects new retail purchases made with Your eligible Account within the first ninety (90) days from the date of purchase. To be eligible for this coverage, You need to purchase the entire cost of the item using Your Account.

    At the Benefit Administrator’s discretion, this benefit replaces, repairs, or reimburses You, up to the total purchase price of Your item for a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder, in the event of theft or damage.

    You are eligible for this benefit if You are a cardholder of an eligible card issued in the United States. Gifts purchased for friends and family members may also be covered if they are purchased with Your covered Account.

    Definitions

    • Account means Your credit or debit card Accounts.
    • Computer Programs means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. 
    • Covered Purchase means an item purchased by an Eligible Person and paid for by using an eligible Account. 
    • Cyber Incident means any of the following acts:
      1. unauthorized access to or use of Your Digital Data or a Covered Purchase; 
      2. alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft, deletion, erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
      3. transmission or introduction of a computer virus or harmful code, including ransomware, into or directed against Your Digital Data or Covered Purchase;
      4. restriction or inhibition of access to or directed against Your Digital Data or Covered Purchase; 
      5. computer errors, including human operating error or omission; power failure, surge, or diminution of electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Covered Purchase during the manufacturing process, upgrade process, or normal maintenance
    • Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer Programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. Digital Data shall include the capacity of a Covered Purchase to store information, process information, and transmit information over the Internet. 
    • Eligible Person means a cardholder who pays for their purchase by using their eligible Account.
    • You or Your means an Eligible Person who used their eligible Account to purchase the item.

    Purchase Security Covers 

    Eligible items of personal property purchased with Your Account are covered for damage or theft. Purchases made outside the United States are also covered as long as You purchased the item with Your covered Account.

    Purchase Security Does Not Cover

    • Animals and living plants
    • Antiques or collectible items
    • Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items towable or attachable to any motorized vehicle
    • Broken items, unless the result of a covered occurrence
    • Computer software
    • Items damaged as a result of weather other than lightning, wind, hail, rain, sleet, or snow
    • Items purchased for resale, either professional or commercial use
    • Items stolen from cars or other vehicles or common carriers
    • Items that are lost, or that "mysteriously disappear," meaning they vanished in an unexplained manner, with no evidence of wrongdoing by one person or several
    • Items under the control and care of a common carrier (including the U.S. Postal Service, airplanes, or a delivery service)
    • Items in Your baggage (unless hand carried, or under Your supervision or that of a companion You know); includes jewelry and watches, among other things
    • Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection, terrorist activities, and more); confiscation by authorities (if contraband or illegal); normal wear and tear; flood, earthquake, radioactive contamination; damage from inherent product defects
    • Theft or damage from misdelivery, or voluntarily parting with property 
    • Medical equipment
    • Perishable or consumable items, including cosmetics, perfumes, rechargeable batteries, among others
    • Real estate and items intended for real estate, including hard-wired and hardplumbed items, garage doors and openers, ceiling fans, among other items
    • Rented and leased items
    • Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments
    • Items used or pre-owned (Refurbished items will not be considered used or pre-owned as long accompanied by a warranty) 
    • Losses caused by or resulting from a Cyber Incident

    Filing a Purchase Security Claim

    Call the Benefit Administrator at 1-866-804-4770, within sixty (60) days of the damage or theft (if You wait longer, coverage may be denied). The Benefit Administrator will ask for some preliminary claim information, answer Your questions and send You a claim form. When You submit Your claim, be sure to include all information regarding Your claim including the time, place, cause and the amount to either replace or repair the item.

    If You have insurance (homeowner’s, renter’s, car, employer or any other), You are required to file a claim with Your insurance company and to submit a copy of any claim settlement from Your insurance company along with Your claim form. Purchase Security provides coverage on an "excess" coverage basis, meaning it does not duplicate coverage, but pays for a loss only after valid and collectible insurance or indemnity (including, but not limited to, homeowner’s, renter’s, automobile, or employer’s insurance policies) has been exhausted. At that point, Purchase Security will cover the loss up to the amount charged to Your eligible Account, subject to the terms, exclusions, and limits of liability of the benefit.

    This benefit also pays for the outstanding deductible portion of Your insurance or indemnity for eligible claims. The maximum total limit of liability is up to ten thousand dollars ($10,000.00) per claim occurrence and fifty thousand dollars ($50,000.00) per cardholder. You will receive no more than the purchase price as recorded on the eligible card receipt.

    When a protected item is part of a pair or set, You will receive no more than the value (as described above) of the particular part or parts, stolen or damaged, regardless of any special value that item may have as part of such a pair or set, and no more than the proportionate part of an aggregate purchase price of such pair or set. 

    For faster filing, or to learn more about Purchase Security, visit www.cardbenefitservices.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Gift recipients may file their own claims, if they have the necessary substantiating documents.

    What You Must Submit to File a Claim

    • Your signed and completed claim form
    • 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
    • A copy of the itemized store receipt demonstrating that the purchase was made on Your eligible Account
    • Copy of the documentation of any other settlement of the loss (if applicable)
    • If the item is repairable, the estimate of repair OR a copy of the paid receipt/invoice for the repairs, indicating the type of damage to the claimed item (if applicable)
    • Copy of the police report (made within forty-eight [48] hours of the occurrence in the case of theft), fire report or incident report to substantiate the loss. If the loss was not reported, please provide a replacement receipt or other sufficient proof of loss deemed eligible solely by Your Benefits Specialist (if applicable)
    • Any other documents necessary to substantiate Your claim. 

    In some cases of damage, You will be asked to send, at Your expense, the damaged item along with Your claim in order to substantiate the claim, so make sure to keep the damaged item in Your possession.

    PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit is the purchase price of the item, not to exceed the coverage limit.

    Please return Your signed and completed form with all documentation within ninety (90) days of the date of theft or damage.

    How You Will Be Reimbursed

    Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one of two ways: 

    • A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be replaced. Typically, You will receive notice about this decision within fifteen (15) days upon receipt of Your claim documentation. 
    • You may receive payment to replace Your item, an amount not more than the original purchase price, less shipping and handling charges, up to ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder. 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. 

    Additional Provisions for Purchase Security

    • 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.
    • 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. 
    • 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.

    #PSECALLPER 10K 2021 (04/21)           PPS-O

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Section 2 - Travel Benefits

  • Mastercard Global Service


    Mastercard Global Service Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account. The Cardholder will be responsible for all costs and expenses related to the requested services. In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

    Australia ............................................................

    1-800-120-113

    Mexico ...............................................................

    001-800-307-7309

    Austria .................................................................

    0800-070-6138

    Netherlands .......................................................

    0800-022-5821

    France ................................................................

    0-800-90-1387

    Poland .............................................................

    0-0800-111-1211

    Germany ..........................................................

    0800-071-3542

    Portugal .............................................................

    800-8-11-272

    Hungary ................................................................

    06800-12517

    Spain ....................................................................

    900-822-756

    Ireland ...................................................................

    1-800-55-7378

    United Kingdom ................................................

    0800-96-4767

    Italy ......................................................................

    800-870-866

    Virgin Islands .....................................................

    1-800-307-7309

    For additional information call the United States collect at 1-636-722-7111, or for country-specific toll free telephone numbers not listed above, visit our website at www.mastercard.us/worldelite. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Account Information and Card Benefits:

    When in the United States, contact your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card issuer for account information or to access any of your card benefits.

    ATM Locations:

    Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, to use our ATM locator, visit our website at www.mastercard.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

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  • Concierge Services


    Bilt Mastercard offers you the Mastercard Concierge Service. Imagine your own Personal Assistant 24 x 7 x 365, where knowledgeable experts can assist with whatever you need, whenever you need it. This takes "Concierge Service" to the next level with robust, personalized features that will save you time and simplify your day, such as:

    • Personal Profile to track preferences for travel, hotels, dining, entertainment, special occasions – and even food allergies
    • Local experts who can provide on-site assistance with everyday household needs – like being there when the new appliance is delivered, because you can’t be
    • Access to unique dining and entertainment venues to turn a special occasion into a memorable experience
    • Reminder service for those dates or events that you can’t afford to miss
    • Pre-trip planning services, providing you with critical information in advance of your trip including: 10-day weather forecast, travel requirements, city-specific news and conditions, safety and security advisory, suggested packing lists, pre-arranged confirmations for dining and other services, top must-see attractions, fitness facilities, jogging paths and recreation within close proximity of your hotel, etc. Let the Mastercard Concierge assist you today, so you can have your day back!
    • Our experts look forward to assisting you at 1-866-800-0302
    • Costs of any goods or services provided by the concierge will be billed to your Bilt World Elite Mastercard

    This benefit may be subject to change without prior notice. Please call 1-800-Mastercard for the latest benefit information or visit www.mastercard.us/worldelite. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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  • Mastercard Travel and Lifestyle Services


    Provides a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more. Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services. This benefit may be subject to change without prior notice. Costs of any goods or services provided by the Mastercard Travel and Lifestyle Services will be billed to your Bilt Mastercard. Please call 1-800-Mastercard for the latest benefit information or visit www.mastercard.us/worldelite. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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  • Mastercard Airport Concierge


    Available 24/7/365 at hundreds of destinations worldwide, cardholders that request this service receive access to preferred rates for a personal, dedicated Meet and Greet agent to escort them through the airport on departure, arrival and/or any connecting flights.

    There are also certain airports where customers can be expedited through the security and/or the immigration process. Costs of any goods or services provided by the Mastercard Airport Concierge will be billed to your Bilt Mastercard. This benefit may be subject to change without prior notice. Please call 1-800-Mastercard for the latest benefit information or visit www.mastercard.us/worldelite. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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  • Mastercard Golf


    Provides access to TPC Network Clubs, domestic and international golf travel packages, golf schools and much more. World and World Elite cardholders can secure tee times through the Hidden Network of private courses and enjoy Honorary Observer and Pro-Am positions at select PGA TOUR events. Mastercard Golf benefits are subject to terms and conditions and may change without prior notice. Costs of any goods or services provided by Mastercard Golf require billing to your Bilt Mastercard. To participate in the latest experiences please visit priceless.com/golf. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy or security policy.

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  • 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.

    How Auto Rental Collision Damage Waiver Works

    Your Auto Rental Collision Damage Waiver benefit acts as primary coverage and 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.

    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 1-866-804-4770. Outside the United States, call collect at 1-804-673-1164

    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. 

    This benefit is available in the United States and most foreign countries (with the exception of Israel, Jamaica, the Republic of Ireland or Northern Ireland). 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 1-866-804-4770, or call collect outside the United States at 1-804-673-1164.

    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
    • 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 the 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 
    • Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland
    • Losses caused by or resulting from a Cyber 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 1-866-804-4770 to report the incident, regardless of whether Your liability has been established. Outside the United States, call collect at 1-804-673-1164.  

    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.

    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 four [4] digits of the Account number) demonstrating that the entire rental transaction was made on Your eligible Account
    • 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 www.eclaimsline.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    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.

    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.
    • Computer Programs means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data.
    • Cyber Incident means any of the following acts:
      • unauthorized access to or use of Your Digital Data or Rental Vehicle;
      • alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft, deletion, erasure, loss of use or destruction of Your Digital Data or Rental Vehicle;
      • transmission or introduction of a computer virus or harmful code, including ransomware, into or directed against Your Digital Data or Rental Vehicle;
      • restriction or inhibition of access to or directed against Your Digital Data or Rental Vehicle;
      • computer errors, including human operating error or omission; power failure, surge, or diminution of electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Rental Vehicle during the manufacturing process, upgrade process, or normal maintenance
    • Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer Programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. Digital Data shall include the capacity of a Rental Vehicle to store information, process information, and transmit information over the Internet.
    • 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.

    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.
    • 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. 
    • 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 1-866-804-4770, or call collect outside the U.S. at 1-804-673-1164.

    FORM #ARCDWCP – 2021 (Stand 04/21)                ARCDW-O

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  • Trip Cancellation and Interruption


    Trip Cancellation and Interruption benefits pay up to $5,000.00 per Insured Person for the non-refundable Common Carrier ticket(s) that You paid for with Your covered Account. You, Your spouse (or Domestic Partner) and Your Dependent Children are eligible for coverage if You charge the entire cost of the Trip using Your Account, less redeemable certificates, vouchers, or coupons.

    Definitions

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

    The Trip Cancellation or Interruption must be caused by or result from:

    1. The death, Accidental Bodily Injury, disease or physical illness of You or an Immediate Family Member of the Insured person; or
    2. Default of the Common Carrier resulting from financial insolvency. 

    The death, Accidental injury, disease or physical illness must be verified by a Physician and must prevent You from traveling on the trip.

    Note: Common Carriers may issue a credit voucher for the value of the unused ticket. A fee may be associated with changing or cancelling the ticket. Reimbursement of fee may be eligible at time of Loss. Most Common Carrier credit vouchers expire in one year. Proof of unused credit voucher can be submitted for reimbursement after expiration. Payment will not exceed either the actual Non-Refundable amount paid by the Insured Person for a Common Carrier passenger(s) fare(s), or up to $5,000.00.

    The following exclusions apply to Financial Services Common Carrier Trip Cancellation/Trip Interruption Only

    No Trip Cancellation or Interruption benefits will be paid for Loss caused by or resulting from:

    • A Pre-existing Condition 
    • Accidental Bodily Injuries arising from participation in interscholastic or professional sports events, racing or speed contests, or uncertified scuba diving
    • Cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a Loss covered under this policy 
    • The Insured Person or an Immediate Family Member being under the influence of drugs (except those prescribed and used as directed by a Physician) or alcohol
    • The Insured Person or an Immediate Family Member: a) traveling against the advice of a Physician; or b) traveling while on a waiting list for specified medical treatment; or c) traveling for the purpose of obtaining medical treatment; or d) traveling in the third trimester (seventh month or after) of pregnancy
    • Suicide, attempted suicide, or intentionally self-inflicted injuries
    • Declared or undeclared war, but war does not include acts of terrorism
    • An Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection or bodily malfunctions, except physical illness or disease which prevent the Insured Person from traveling on a Covered Trip. This Exclusion does not apply to Loss resulting from an Insured Person’s bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria

    How to File a Trip Cancellation or Interruption Claim

    Within twenty (20) days of the Trip Cancellation or Interruption or as soon as reasonably possible, You must provide (written) claim notice to the Benefits Administrator or You can call toll free at 1-866-804-4770. The Benefits Administrator will ask You for some preliminary information and send You the appropriate claim forms. Failure to give notice within twenty (20) days will not invalidate or reduce any otherwise valid claim, if notice is given as soon as reasonably possible.

    When the Benefits Administrator receives notice of a claim, the Benefits Administrator will send You forms for giving proof of Loss within fifteen (15) days. If You do not receive the forms, You should send the Benefits Administrator a written description of the Loss.

    Answers to specific questions can be obtained by writing to the Plan Administrator.
    To make a claim, please contact the Plan Administrator:
         cbsi Card Benefit Services
         550 Mamaroneck Avenue, Suite 309
         Harrison, NY 10528

    Please return Your completed and signed claim form and the documents listed below as soon as possible to the Benefits Administrator:

    • A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of the Account number) confirming the Common Carrier ticket was purchased using the covered Account
    • Confirmation of the non-refundable amounts for the unused Common Carrier tickets and/or travel vouchers
    • Confirmation that the tickets were cancelled with the Common Carrier
    • A copy of the travel itinerary showing the passenger names and ticket cost
    • Confirmation of the reason for the Trip Cancellation; (completed attached physician statement, confirmation of death of Immediate Family Member or documentation confirming any other cause of Loss) 
    • A copy of the cancellation or refund policies of the Common Carrier, Tour Operator or Travel Supplier 

    Additional Travel Accident Benefit

    As a cardholder, You, Your spouse (or Domestic Partner), and unmarried Dependent Children will be automatically insured up to one thousand dollars ($1,000) for Accidental Loss of life, limb, sight, speech, or hearing. This benefit applies while:

    1. Riding as a passenger in or entering or exiting any Common Carrier; or
    2. Riding as a passenger in, entering, or exiting any conveyance licensed to carry the public for a fee and while traveling to or from the airport: 
      1. Immediately preceding the departure of a Common Carrier on which the Insured Person has purchased passage; and 
      2. Immediately following the arrival of a 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 

    Covered Loss

    Benefit Maximum

    Accidental Loss of Life, two or more Members, sight of both eyes, speech and hearing or any combination thereof

    $1,000.00

    Accidental Loss of one Member, sight of one eye, speech or hearing 

    $500.00

    Accidental Loss of the thumb and index finger of the same hand 

    $250.00

    Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least four (4) fingers on the same hand or at least three (3) fingers and the thumb on the same hand; with respect to a foot, complete severance through or above the ankle joint. The Company will consider it a Loss of hand or foot even if the fingers, thumb, or foot is later reattached. 

    In order to be eligible for this additional coverage, the entire cost of the Common Carrier passenger fare(s), less redeemable certificates, vouchers, or coupons, must be charged to Your covered Account during the policy period. If the purchase is not made prior to the Insured Person’s arrival at the airport, coverage begins at the time the entire cost of the Common Carrier passenger fare is purchased.

    This travel accident benefit is provided to eligible cardholders. Your financial institution pays the cardholder’s premium as a benefit of the card membership.

    The Loss must occur within one year of the Accident. The Company will pay the single largest applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company’s liability for all such Losses will be subject to a maximum limit of insurance equal to two times the Benefit Amount for Loss of life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance.

    The Loss of Life benefit will be paid to the Beneficiary designated by You. If no such designation has been made, that benefit will be paid to the first surviving Beneficiary in the following order: a) Your spouse, b) Your Children, c) Your parents, d) Your brothers and sisters, e) Your estate. All other indemnities will be paid to You.

    The following exclusions apply to the Travel Accident Benefit

    Loss caused by or resulting from:

    • An Insured Person’s emotional trauma, mental or physical illness, disease, normal pregnancy, normal childbirth or elective abortion, bacterial or viral infection, or bodily malfunctions. This exclusion does not apply to Loss resulting from an Insured Person’s bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria.
    • Suicide, attempted suicide, or intentionally self-inflicted injuries 
    • Declared or undeclared war, but war does not include acts of terrorism

    • An Accident occurring while You are in, entering, or exiting any aircraft while acting or training as a pilot or crew member (does not apply if You temporarily perform pilot or crew functions in a life threatening emergency)

    How to File a Travel Accident Benefit Claim

    Within twenty (20) days of the accident or as soon as reasonably possible, please provide claim notice to the Benefits Administrator in writing or You can call toll free at 1-866-804-4770. The Benefits Administrator will ask You for some preliminary information and send You the appropriate claim forms. Failure to give notice within twenty (20) days will not invalidate or reduce any otherwise valid claim, if notice is given as soon as reasonably possible.

    When the Benefits Administrator receives notice of a claim, the Benefits Administrator will send You forms for giving proof of Loss within fifteen (15) days. If You do not receive the forms, You should send the Benefits Administrator a written description of the Loss. 

    Answers to specific questions can be obtained by writing to the Plan Administrator. To make a claim, please contact the Plan Administrator:
       cbsi Card Benefit Services
       550 Mamaroneck Avenue, Suite 309
       Harrison, NY 10528

    Please return Your completed and signed claim form and the documents listed below as soon as possible to the Benefits Administrator:

    • A copy of the police report
    • A completed medical authorization form for each treating medical facility
    • Copy of the certificate of death, if applicable
    • A copy of the travel itinerary
    • A copy of the credit card statement reflecting the purchase, verification of the cardholder’s name and the first six digits of the credit card number 

    To view the status of Your claim and to securely upload documents for Trip Cancellation/Interruption and Travel Accident Benefit, visit www.myclaimsagent.com and use website code: 001. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

    Or mail the completed and signed claim form and all required documents to:
       Claim Benefit Services
       P.O. Box 459084
       Sunrise, FL 33345

    If You choose to mail Your documents, please send a copy of Your documents and retain the originals for Your records. Claim Benefit Services is unable to return any submitted documents. You will be contacted by a claim adjuster if additional information or documentation is required.

    Additional Provisions for Trip Cancellation and Interruption

    • As a handy reference guide, please read this and keep it in a safe place with Your other insurance documents.
    • This description of coverage is not a contract of insurance but is simply an informative statement of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy, on file with the Policyholder: BNY Midwest Trust Company as trustee of the Chubb Financial Institution Group Insurance Trust for the Account of participating financial institutions. Policy #: 6478-07-74
    • 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.
    • 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. Federal Insurance Company ("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.

    FORM #TRCAN – 2018 (03/18)                           TC-O

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  • Trip Delay


    Trip Delay Reimbursement

    We will reimburse the Covered Person for Trip Delay Expenses, up to the Daily Benefit Amount of $200, if a Trip Delay is caused by an eligible reasons listed below. Trip Delay Expenses must be incurred during the delay to be eligible for reimbursement. We will reimburse the Daily Benefit Amount after the initial Trip Delay of 6 hours and for each additional 24-hour period beyond the initial Trip Delay until travel by the Covered Person becomes possible, however in no event will We reimburse for more than 3 days of delay per Covered Person or more than $1,800 for all Covered Persons on the same Trip.

    You and Your Immediate Family Members are automatically covered when You charge Your Trip to Your eligible Account.

    The Trip Delay benefit is payable on an excess basis over and above any reimbursements by the Common Carrier or any other valid or collectible insurance available to the Covered Person and excludes voluntary surrender of any voucher provided by the Common Carrier that could have been used for Trip Delay Expenses.

    Definitions

    •  Account means eligible credit card Accounts.
    • Cardholder or Cardmember means an individual who is named on the Account card issued by Wells Fargo Bank, N.A. 
    • 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. Common Carrier does not include Cruise Lines.
    • Company means Federal Insurance Company.
    • Covered Person means the Cardholder and their Immediate Family Members.
    • 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 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: 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. 
    • 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.
    • Insured Person means the Covered Person who has a direct relationship with Wells Fargo Bank, N.A. 
    • Scheduled Departure Date means the date on which You are originally scheduled to leave on the Trip. 
    • Scheduled Return Date means the date on which You are originally scheduled to return to the point of origin or to a different final destination. 
    • Travel Supplier means a Cruise Line, or airline, or railroad or other Common Carrier. 
    • 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 Wells Fargo Bank, N.A. Such Trip must occur while the insurance is in-force.
    • Trip Delay means delay of a Common Carrier for which the Covered Person has purchased a fare using his or her Account and which delays the Covered Person’s Trip for at least 6 hours.
    • Trip Delay Expenses means virtual office rentals at the airport, terminal, or station; food and beverage for a Covered Person; temporary lodging for a Covered Person; entertainment for a Covered Person; pet boarding for a Covered Person’s pet; and airport spas, or relaxation room rentals or daily passes to an airline lounge club.
    • We, Us and Our means Federal Insurance Company.
    • You or Your means an Eligible Person or Your Family Members who charged their Covered Trip to Your eligible Account.

    When does the benefit apply?

    Benefits begin on the Scheduled Departure Date and end on the 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 You nor the Travel Supplier have control, the term of coverage shall be automatically adjusted in accordance with
    such change.

    Coverage will not be provided if Your Account is closed before the Trip Delay occurs. In no event will Your cancellation of Your Account invalidate or reduce any otherwise valid claim that has already been submitted.

    Eligible reasons for Trip Delay include:

    1. mechanical breakdown of the scheduled Common Carrier;
    2. weather related delays;
    3. air traffic control delays;
    4. an emergency at the originating or destination airport, terminal, or station;
    5. hijacking;
    6. an unpublished and unannounced strike;
    7. delay due to a flight being oversold for which the Covered Person was bumped. This must be in excess of reimbursement by the Common Carrier and excludes voluntary surrender of the voucher;
    8. delay due to stolen passports or travel documents; or
    9. delay due to a flight crew being unavailable. 

    Reimbursable Trip Delay Expenses Include:

    1. virtual office rentals at the airport, terminal, or station;
    2. food and beverage for a Covered Person;
    3. temporary lodging for a Covered Person;
    4. entertainment for a Covered Person;
    5. pet boarding for a Covered Person’s pet;
    6. airport spas, or relaxation room rentals;
    7. or daily passes to an airline lounge club.

    HOW TO FILE A CLAIM: To obtain a claim form, contact 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. Phone Number - 1-866-804-4770. Fax Number - 855-830-3728.

    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.  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. 

    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 has complied with all the terms of coverage.

    Proof of Loss includes, but is not limited to, the original Common Carrier or other report that verifies the cause and duration of the delay and receipts for Trip Delay Expenses incurred over twenty-five ($25.00) dollars 

    Return Your completed claim form with the following documentation:

    • A copy of the detailed original and updated travel itinerary and/or the Common Carrier.
    • A copy of Your monthly billing statement (showing the last four [4] digits of the Account number) confirming the Common Carrier ticket was charged to the covered Account. (Only applicable if the travel itinerary does not reflect the last 4 digits of the Account number). 
    • A statement from the Travel Supplier explaining the reason for the delay.
    • Copies of itemized receipts for Your claimed expenses. However itemized receipts are only required for bills of twenty-five ($25.00) or more per covered traveler.
    • Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim.

    Additional provisions for Trip Delay Reimbursement

    • 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.
    • 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, and the Policyholder. We may also require the Covered Person or the Covered Person’s authorized representative, if applicable, and Policyholder 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, and the Policyholder will also produce all records and documents requested by Us and will permit Us to make copies of such records or documents.
    • No legal action may be brought to recover on this policy until sixty (60) days after We have been given complete Proof of Loss. No such action may be brought after three (3) years from the time complete 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.
    • 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.
    • This insurance does not apply to any loss caused by or resulting from, directly or indirectly, war, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel, any action taken in hindering or defending against any of these, the destruction or seizure of property for a military purpose, or any consequences of any of these acts regardless of any other direct or indirect cause or event, whether covered or not, contributing in any sequence to the loss. War does not include terrorism.

    Reference Policy # 99084837

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C 22685