Hotels.com Rewards Visa Signature Credit Card Guide to Benefits

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Hotels.com® Rewards Visa Signature® Credit Card Guide to Benefits

    

Table of Contents

Your Guide to Benefits describes the benefits in effect as of 5/16/2020. 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 please call the customer service number on Your Visa statement.

Travel and Emergency Assistance Services


Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home. The Benefit Administrator can connect You with the appropriate local emergency and assistance resources available, 24 hours a day, 365 days a year.
Please note that due to occasional issues such as distance, location, or time, neither the Benefit Administrator nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.

Definitions

  • Common Carrier means any mode of transportation by land, water or air operating for hire under a license to carry passengers for which a ticket must be purchased prior to travel. Does not include taxi, limousine service, commuter rail or commuter bus lines. 
  • You or Your means an eligible person whose name is embossed on an eligible U.S. issued card, and You reside in the United States.

What are Travel and Emergency Assistance Services, and how do I use these services when I need them?

Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible card issued in the United States. Your spouse and children (dependents under 22 years old) are also eligible to use these services. 

Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. 

To use the services, simply call the toll-free, 24-hour Benefit Administrator line at 1-800-992-6029. If You are outside the United States, call collect at 1-804-673-1675.

What are the specific services and how can they help me?

  • Emergency Message Service — can record and relay emergency messages for travelers or their immediate family members. The Benefit Administrator will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully. All costs are Your responsibility.
  • Medical Referral Assistance — provides medical referral, monitoring, and follow-up. The Benefit Administrator can give You names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor Your condition; keep in contact with Your family, and provide continuing liaison; and help You arrange medical payments from Your personal account. All costs are Your responsibility.
  • Legal Referral Assistance - can arrange contact with English-speaking attorneys and U.S. embassies and consulates if You’re detained by local authorities, have a car accident, or need legal assistance. In addition, the Benefit Administrator can coordinate bail payment from Your personal account. The Benefit Administrator can also follow up to make sure bail has been properly handled.  All costs are Your responsibility. 
  • Emergency Transportation Assistance — can help You make all the necessary arrangements for emergency transportation home or to the nearest medical facility.  This includes arranging to bring Your Young children home and helping You stay in contact with family members or employers during the emergency. In the case of a death, the Benefit Administrator can make arrangements to repatriate the remains. All costs are Your responsibility.
  • Emergency Ticket Replacement — helps You through Your carrier’s lost ticket reimbursement process and assists in the delivery of a replacement ticket to You, should You lose Your ticket. All costs are Your responsibility.
  • Lost Luggage Locator Service — can help You through the Common Carrier’s claim procedures or can arrange shipment of replacement items if an airline or Common Carrier loses Your checked luggage. You are responsible for the cost of any replacement items shipped to You. 
  • Emergency Translation Services — provides telephone assistance in all major languages and helps find local interpreters, if available, when You need more extensive assistance. All costs are Your responsibility.
  • Prescription Assistance and Valuable Document Delivery Arrangements — can help You fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of Your prescriptions filled for You at local pharmacies. It can also help transport critical documents that You may have left at Your home or elsewhere. All costs are Your responsibility.
  • Pre-Trip Assistance — can give You information on Your destination before You leave such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required passport visas.

Additional Provisions for Travel and Emergency Assistance Services

This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements.  Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose accounts have been suspended or cancelled.

Visa Concierge Services

This service does not assist with hotel bookings, so please make your hotel reservations through www.hotels.com. Wells Fargo has provided this link for your convenience. While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different.


How do I use Visa Signature Concierge Service?

Receive access to our complimentary 24-hour concierge service. Visa Signature Concierge Service can help with securing event tickets, making restaurant reservations, airline bookings, and more. Visit www.visasignatureconcierge.com or call 1-888-215-9865.  Outside the United States, call collect at 1-312-800-4295.  We do not control the website. 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. Wells Fargo Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at www.visasignatureconcierge.com. We do not control the website. 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.

Emergency Cash Disbursement and Card Replacement


Lost, stolen, or damaged card? Need emergency card or cash? Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days, in some cases, within 24 hours, after issuer approval. This benefit is available on all Visa credit cards.

Who do I contact for help?

If You need to replace Your card or want help with receiving emergency cash, contact the Visa Global Customer Care Services at the following numbers at 1-800-847-2911 or call the Visa direct line 1-303-967-1096 24 hours a day, seven days a week.

How do I get emergency cash?

Once You call the Visa Global Customer Care Services associate at the above phone numbers, We’ll work with you and your financial institution for approval. Visa will arrange a convenient location for you to collect the emergency cash.

How do I replace my card?

If your card is lost, stolen or damaged, call a Visa Global Customer Care Services associate at 1-800-397-9010 or call one of our global toll-free-numbers located within the Visa website: https://usa.visa.com/support/consumer/lost-stolen-card.html. We’ll work with you and your financial institution for approving Your card. Visa will arrange delivering Your card directly to you or at a different collection location. 

How do I report a lost or stolen card?

If You lose Your Visa Signature card or someone steals it, we’ll help you notify the appropriate parties and replace Your card. This worldwide service saves You valuable time. You can use this benefit 24 hours a day, seven days a week. To do so, please call either:
Visa Toll-Free Number..............1-800-397-9010
Visa Direct-Dial Number...........1-303-967-1096 

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 fifteen (15) consecutive days within Your country of residence, and thirty-one (31) consecutive days outside it, are both 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.

Definitions

  • Account means Your credit or debit card Accounts.
  • Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market value, age and condition at the time of loss.
  • Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.
  • Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental Vehicle from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the responsibilities of all parties under the contract.
  • Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating organization’s disclosure statement which the eligible renter has rented for the period of time shown on the Rental Car Agreement and does not have a manufacturer’s suggested retail price exceeding the amount shown on the participating organization’s disclosure statement.
  • You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car transaction.

How Auto Rental Collision Damage Waiver Works With Other Insurance

Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility. 

If You dohave personal automobile insurance or other insurance that covers theft or damage, this benefit reimburses You for the deductible portion of Your car insurance or other insurance, along with any unreimbursed portion of administrative and loss-of-use charges imposed by the car rental company, as well as reasonable towing charges while the car was Your responsibility. 

If You do not have personal automobile insurance or any other insurance, the benefit reimburses You for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while You are responsible for the vehicle.  
If You are renting outside of Your country of residence, the coverage provided under this benefit is primary and reimburses You for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while You are responsible for the vehicle.

How to Use Auto Rental Collision Damage Waiver

  1. Use Your card to initiate and complete Your entire car rental transaction.
  2. Review the auto rental agreement and decline the rental company’s collision damage waiver (CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your benefit. If the rental company insists that You purchase their insurance or collision damage waiver, call the Benefit Administrator for assistance at 1-800-348-8472. 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 1-800-348-8472, 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, fifteen (15) consecutive days, within Your country of residence, or thirty-one (31) days outside Your country of residence
  • Leases and mini leases
  • Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving the car running and unattended)
  • Theft or damage reported more than forty-five (45) days* after the date of the incident
  • Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the incident
  • Theft or damage for which all required documentation has not been received within three hundred and sixty-five (365) days after the date of the incident
  • Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland

* 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 1-800-348-8472 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 4 digits of the Account number) demonstrating that the entire rental transaction was made on Your eligible Account.
  • A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if applicable), or other reimbursement showing the costs for which You are responsible, and any amounts that have been paid toward the claim. Or, if You have no applicable insurance or reimbursement, a statement of no insurance or reimbursement is required.
  • A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates, and deductibles)
  • Any other documentation required by the Benefit Administrator to substantiate the claim.

Finally, please note that all remaining documents must be postmarked within three hundred and sixty-five (365) days* of the theft or damage date or Your claim may be denied.

* Not applicable to residents of certain states.

For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com

Finalizing Your Claim

Your claim will typically be finalized within 15 (fifteen) days, after the Benefit Administrator has received all the documentation needed to substantiate Your claim.

Transference of Claims

Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

Additional Provisions for Auto Rental Collision Damage Waiver

  • Signed or pinned transactions are covered as long as You use Your eligible Account to secure the transaction.
  • You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
  • If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
  • No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully. 
  • This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
  • Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Indemnity Insurance Company of North America ("Provider") is the underwriter of these benefits and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.
  • After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
  • This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

Roadside Dispatch®


For roadside assistance, call 1-800-847-2869

What is Roadside Dispatch?

Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.
No membership or pre-enrollment is required. No annual dues. No limit on usage.

For a set price per service call, the program provides:

  • Standard Towing — Up to 5 miles included1
  • Tire Changing — must have good, inflated spare
  • Jump Starting
  • Lockout Service (no key replacement)
  • Fuel Delivery — up to 5 gallons (plus the cost of fuel)
  • Standard Winching

Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location – Roadside Dispatch will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in Your area, and will remain on the phone with you at your request until the police arrive.) You have the convenience of one toll-free phone number and you may save money because their rates are pre-negotiated.
Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership or pre-enrollment is required. Just call Roadside Dispatch toll free when you need them.
1-800-847-2869 ~ It’s that easy!

Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only.
Current fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less.  Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program.

Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Wells Fargo shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other "off road" areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor Wells Fargo provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. Services provided by Cross Country Motor Club, Inc. d/b/a Agero. 

Trip Delay Reimbursement


We will reimburse the Covered Person for Trip Delay Expenses, up to the Daily Benefit Amount of $300, 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 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 - 855-830-3722. 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.

Trip Cancellation and Interruption


Trip Cancellation and Interruption benefits pay up to $2,000.00 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.
  • 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 $2,000.00.

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 1-855-307-9251. 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
  • If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized
  • Confirmation of the non-refundable amounts for the unused Common Carrier tickets, vouchers, coupons, and/or redeemable certificates
  • 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 1-855-307-9251. 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. 

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.

Lost Luggage Reimbursement


With Lost Luggage Reimbursement, You can be reimbursed for the difference between the "value of the amount claimed" and the Common Carrier’s payment up to three thousand dollars ($3,000.00) per Covered Trip (for New York residents, coverage is limited to two thousand dollars ($2,000.00) per bag), provided the Checked Luggage and/or Carry-on Baggage and/or its contents was lost due to theft or misdirection by the Common Carrier. "Value of the amount claimed" is the lesser of the following three amounts: the original purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection (with appropriate deduction for depreciation), and the cost to replace the item(s).

You and Your Immediate Family Members are all eligible for this benefit when You take a Covered Trip and pay for the cost of Your Common Carrier tickets with Your eligible card issued in the United States. To be eligible for coverage, You must purchase the entire cost of the Covered Trip with Your covered Account. Only Your Checked Luggage and/or Carry-On Baggage and/or its contents is covered.  

This benefit is supplemental to and excess of any collectible insurance and/or collectible reimbursement from any other source. The Benefit Administrator will refund the excess amount once all other reimbursement has been exhausted up the limit of liability.

Please Note: You must take all reasonable means to protect, save and/or recover Your Checked Luggage and/or Carry-on Baggage and/or its contents at all times.

Definitions

  • Account means Your credit or debit card Accounts.
  • Carry-on Baggage means the baggage which You personally carry onto the Common Carrier and for which You retain responsibility.
  • Checked Luggage means suitcases or other containers specifically designed for carrying personal belongings, for which a claim check has been issued to You by a Common Carrier.
  • Common Carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel.  Common Carrier does not include taxis, limousine services, or commuter rail or commuter bus lines.   
  • Covered Trip means a trip while the Eligible Person is riding on a Common Carrier as a passenger and not as a pilot, operator or crew member, for which the expense has been charged to Your eligible Account and which is not less than five (5) consecutive days but does not exceed sixty (60) consecutive days in duration.
  • Eligible Person means a cardholder who pays for their Covered Trip by using their eligible Account.
  • Immediate Family Member means Your Spouse or legally dependent children under age eighteen (18), [twenty-five (25) if enrolled as a full-time student at an accredited university].
  • Spouse includes Your domestic partner which is a person who is at least 18 years of age and who during the last twelve months: 1) has been in a committed relationship with the cardholder; (2) has been the cardholder’s sole spousal equivalent; (3) has resided in the same household as the cardholder; and (4) has been jointly responsible with the cardholder for each other’s financial obligations and who intends to continue the relationship as stated above indefinitely.
  • You or Your means an Eligible Person or Your Immediate Family Members who charged their Covered Trip to Your eligible Account. 

What Isn't Covered?

Luggage Reimbursement does not apply to loss or theft of the following items:

  • Automobiles, automobile accessories and/or equipment, motorcycles, motors, bicycles (except when checked with the Common Carrier), boats, or other vehicles or conveyances
  • Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs
  • Money, securities, credit or debit cards, checks, and travelers’ checks
  • Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps, perishables, consumables, perfume, cosmetics, rugs and carpets, animals, cameras, sporting equipment, and household furniture
  • Property shipped as freight or shipped prior to the Covered Trip departure date
  • Items specifically identified or described in and insured under any other insurance policy
  • Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials 
  • Losses resulting from abuse, fraud, hostilities or any kind (including, but not limited to, war, invasion, rebellion, or insurrection) 
  • Business items (items that are used in the purchase, sale, production, promotion, or distribution of goods or services including but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.), cellular telephones, or art objects

How to File a Lost Luggage Reimbursement Claim

Immediately notify the Common Carrier to begin their claims process if Your luggage and/or its contents are lost or stolen.  
Within twenty (20) days of the date Your luggage is lost or stolen, and You have notified the Common Carrier and begun their claims process, call the Benefit Administrator at 1-800-757-1274, or call collect outside the U.S. at 1-804-673-6496. The Benefit Administrator will ask You for some preliminary claim information and send You a special claim form. If You do not notify the Benefit Administrator within twenty (20) days of the date the luggage was lost or stolen, Your claim may be denied.
Within ninety (90) days of the date Your luggage was lost or stolen, return Your claim form and the requested documentation below to the address provided by the Benefit 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 charged to the covered Account. 
  • If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
  • A copy of ticketing by the Common Carrier, including but not limited to itinerary, boarding pass, or used ticket stub
  • A copy of any check, settlement, denial or explanation of coverage issued by the Common Carrier together with a copy of the Common Carrier’s completed claim form, a list of the items lost and their value, and a copy of the luggage claim check (if applicable)
  • A copy of Your insurance policy’s Declarations Page (if applicable) to confirm Your deductible (Declarations Page means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates and deductibles)
  • A copy of any settlement of the loss or theft from Your primary insurance
  • Any other documentation deemed necessary by the Benefit Administrator to substantiate the loss or theft.

For faster filing, or to learn more about Lost Luggage Reimbursement visit www.eclaimsline.com

If You have personal insurance (i.e., homeowner’s, renter’s, or other insurance applicable to the lost or stolen luggage or contents), You are required to file a claim with Your insurance company and submit a copy of any claim settlement along with Your completed claim form.

If the claim amount is within Your personal insurance deductible, the Benefit Administrator may, at its discretion, deem a copy of Your personal insurance Declarations Page to be sufficient. 

Transference of Claims

After the Benefit Administrator has paid Your claim of loss or theft under this reimbursement benefit, 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. 

Additional Provisions for Lost Luggage 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.
  • 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

Baggage Delay Reimbursement


Baggage Delay Reimbursement can provide reimbursement for essential items You may need while on a Covered Trip and at a destination other than Your location of  permanent residence. The maximum benefit is one hundred dollars ($100.00) per day up to a maximum of three (3) days or a total of three hundred dollars ($300.00).  These maximums apply to You and to each of Your Immediate Family Member whose ticket was purchased with Your covered Account. 

Definitions

  • Account means Your credit or debit card Accounts.
  • Business Items means items that are used in the purchase, sale, production, promotion, or distribution of goods or services (including, but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.).  
  • Checked Baggage means suitcases or other containers specifically designed for carrying personal belongings, for which a claim check has been issued to You by a Common Carrier.
  • Common Carrier means any mode of transportation by land, water or air operating under a license for the transportation of passengers for hire and for which a ticket must be purchased prior to travel. Does not include taxi, limousine service, commuter rail or commuter bus lines.
  • Covered Trip means a Trip (a) while the eligible cardholder is riding on a Common Carrier as a passenger and not as a pilot, operator, or crew member; (b) charged to Your eligible Account and (c) that begins and ends at the places designated on the ticket purchased for the Trip.
  • Eligible Person means a cardholder who pays for their Covered Trip by using their eligible Account. 
  • Immediate Family Member means Your Spouse or legally dependent children under age eighteen (18) [twenty-five (25) if enrolled as a full-time student at an accredited university].
  • Spouse means domestic partner which is a person who is at least 18 years of age and who during the last twelve months: 1) has been in a committed relationship with the cardholder; (2) has been the cardholder’s sole spousal equivalent; (3) has resided in the same household as the cardholder; and (4) has been jointly responsible with the cardholder for each other’s financial obligations and who intends to continue the relationship as stated above indefinitely.
  • You or Your means an Eligible Person or Your Immediate Family Members who charged their Covered Trip to Your eligible Account.  Sometimes it happens that You land at Your scheduled destination only to find that Your Checked Baggage has taken a detour and its arrival is delayed. While You can likely go without most of Your belongings, if Your baggage was carrying any essential items, You may need to replace them while You wait for Your bag to arrive.

When does it apply?

The Baggage Delay Reimbursement benefit applies if Your Checked Baggage and the personal property contained therein is delayed or misdirected by the Common Carrier for more than four (4) hours from the time You have arrived at the destination printed on Your ticket. To be eligible for this coverage, You need to purchase the entire cost of the Covered Trip with Your covered Account.

You are eligible for this benefit if You are a cardholder of covered card issued in the United States.

This benefit is supplemental to and excess of any valid and collectible insurance or other reimbursement. This benefit will reimburse the excess amount once all other reimbursement has been exhausted up to the limit of liability.

What items are not covered?

  • Business Items, cellular telephones, or art objects
  • Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs
  • Items not contained in delayed Checked Baggage
  • Loss resulting from abuse, fraud, or hostilities of any kind (including but not limited to, war, invasion, rebellion, or insurrection)
  • Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials
  • Money, securities, credit or debit cards, checks, and travelers checks
  • Property shipped as freight or shipped prior to the Covered Trip departure date
  • Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps, rugs and carpets, animals, cameras, electronic equipment, sporting equipment, and household furniture

How to file a Baggage Delay Reimbursement claim

  1. After Your Checked Baggage has been delayed for more than four (4) hours You should immediately notify the Common Carrier to begin the Common Carrier’s claim process.
  2. Notify the Benefits Administrator within twenty (20) days of the date Your Checked Baggage was delayed while on a Covered Trip at 1-877-257-8152, or call collect outside the U.S. at 1-804-281-5790. The Benefits Administrator will answer Your questions and send You a claim form.
  3. Return the completed claim form and the requested documentation below within ninety (90) days from the date the Checked Baggage was delayed to the address provided by the Benefit Administrator.

Please submit the following documents

  • The completed signed claim form
  • 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 charged to the covered Account
  • If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
  • Proof of ticketing by the Common Carrier, including, but not limited to, itinerary, boarding pass, or used ticket stub
  • A copy of the check, settlement, denial, or explanation of coverage issued by the Common Carrier together with a copy of the Common Carrier’s completed claim form, and a copy of the Checked Baggage claim check
  • Receipts for essential items purchased while baggage was delayed
  • A copy of Your insurance declaration page or documentation of settlement of the delay (if applicable) 
  • Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim

For faster filing, or to learn more about Baggage Delay Reimbursement visit www.eclaimsline.com

Additional provisions for Baggage 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.
  • 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 1-877-257-8152, or call collect outside the U.S. at 1-804-281-5790

Hotel Theft Protection


Hotel Theft Protection can cover You if Your personal property is stolen from Your Hotel/Motel room when You pay for the cost of a room located in the United States or Canada with Your eligible Account and/or Hotels. com® Rewards program associated with Your Covered Account. You can receive a one-time payment of up to $1,000.00 for personal property stolen from Your room. To be eligible for this coverage, You must be a cardholder of an eligible card issued in the United States and charge the room entirely with Your Account and/or Hotels.com® Rewards program associated with Your Covered Account.

Definitions

  • Account means Your credit or debit card Accounts.
  • Business Items means items that are used in the purchase, sale, production, promotion, or distribution of goods or services (including, but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.). 
  • Check-In means the moment You register at the Hotel/Motel.
  • Check-Out means the moment You vacate the Hotel/Motel and pay the itemized total costs incurred for the stay.
  • Eligible Person means a cardholder who pays for the Hotel/Motel room by using their eligible Account and/or Hotels.com® Rewards program associated with Your Covered Account. 
  • Forceful Entry means that someone illegally accessed Your Hotel/Motel room by breaking in a door, window, or surrounding walls.
  • Hotel/Motel means an establishment located in the United States or Canada that provides lodging for the general public, and usually meals, entertainment, and various personal services.
  • Hotel Theft means Forceful Entry into Your premises and You suffer a loss of property.
  • Immediate Family Member means Your spouse or legally dependent children under age eighteen (18) [twenty-five (25) if enrolled as a full-time student at an accredited university].
  • You or Your means an Eligible Person or Your Immediate Family Members who charged their trip to Your eligible Account and/or Hotels.com® Rewards program associated with Your Covered Account. 

When does it apply?

The Hotel Theft Protection benefit applies only if:

  • There is evidence of Forceful Entry and;
  • You make a sworn statement to police authorities having jurisdiction within 24 hours of discovering the Hotel Theft and furnish a copy of that statement with Your claim, and; 
  • The Hotel/Motel verifies the loss.

The cost of replacing Your personal property (or its depreciated value if You choose not to replace it) is covered up to a maximum of $1,000.00 less any amounts paid or payable by the Hotel/Motel or any other insurance, whether the insurance is primary, contributing, excess, or contingent; or any other reimbursement.

Coverage begins each time You Check-In to an eligible Hotel/Motel room, and coverage ends each time You Check-Out of an eligible Hotel/Motel room.

What isn’t covered?

This benefit will not provide reimbursement for theft of the following:

  • Animals
  • Art objects
  • Business Items and cellular phones
  • Cash, checks, securities, credit cards, debit cards, and other negotiable instruments
  • Tickets, documents, keys, coins, deeds, bullion, and stamps
  • Perishables and consumables including, but not limited to perfume, cosmetics, and limited-life items such as rechargeable batteries

How to File a Hotel Theft Protection Claim

  1. Notify the Benefit Administrator immediately by calling 1-800-554-1275, or call collect outside the U.S. at 1-804-673-6497. Notification must be made within twenty (20) days of the date of the incident. The Benefits Administrator will answer Your questions and send You a claim form.   
  2. Return the claim form and the requested documentation below within ninety (90) days of the date of the incident to the address below:
    Card Benefit Services
    P.O. Box 72034
    Richmond, VA 23255

Please submit the following documents

  • The completed signed claim form
  • A copy of Your monthly billing statement, Your travel itinerary or the Hotel/Motel receipt confirming that the Hotel/Motel stay was charged to Your covered Account and/or Hotels.com® Rewards program associated with Your Covered Account. (must reflect the last 4 digits of Your Account number).
  • A copy of any settlement payment or reimbursement made to You from the Hotel/Motel or other collectible insurance/reimbursement showing any amounts they may have paid towards the costs claimed.
  • A copy of Your declarations page or Your employer’s insurance carrier declarations page [not applicable for claims less than one thousand ($1,000.00)]
  • If You have no other applicable insurance or reimbursement, please provide a statement to that effect [not applicable for claims less than one thousand ($1,000.00)].
  • A copy of the police report
  • Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim.

Additional Provisions for Hotel Theft Protection

  • 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 1-800-554-1275, or call collect outside the U.S. at 1-804-673-6497.

$1,000,000.00 Worldwide Automatic Common Carrier Travel Accident Insurance


Definitions

  • Accident or Accidental means a sudden, unforeseen, and unexpected event which: 1) happens by chance; 2) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; 3) occurs while the Insured Person is insured under this policy which is in force; and 4) is the direct cause of loss. 
  • Accidental Bodily Injury means bodily injury, which is: 1) Accidental; 2) the direct cause of a loss; and 3) occurs while an Insured Person is insured under this policy, which is in force. Accidental Bodily Injury does not include conditions caused by repetitive motion injuries, or cumulative trauma not a result of an Accident, including, but not limited to: 1) Osgood-Schlatter’s Disease; 2) bursitis; 3) Chondromalacia; 4) shin splints; 5) stress fractures; 6) tendinitis; and 7) Carpal Tunnel Syndrome.
  • Account means Credit Card accounts, Debit Card accounts, central billed accounts, checking accounts and savings accounts as set forth in the Class Schedule of this coverage.
  • Benefit Amount means the amount stated which applies: 1) at the time of an Accident; 2) to an Insured Person; and 3) for an applicable Hazard.
  • Cardholder means an individual who is named on the Account issued by Wells Fargo Bank, N.A. 
  • Common Carrier means any motorized land, water or air Conveyance, operated by an organization other than Wells Fargo Bank, N.A., organized and licensed for the transportation of passengers for hire and operated by an employee or an individual under contract. 
  • Common Carrier Covered Trip means travel on a Common Carrier when the full fare for such transportation less any redeemable frequent flyer miles, coupons or certificates has been charged to the Insured Person’s Account issued by Wells Fargo Bank, N.A. 
  • Company means Federal Insurance Company.
  • Conveyance means any motorized craft, vehicle or mode of transportation licensed or registered by a governmental authority with competent jurisdiction. 
  • Credit Card means a payment medium that takes the form of a credit card, credit plate, courtesy card or other identification card or device, issued to the Insured Person. The Insured Person may use the Credit Card to purchase, hire, rent or lease property or services. Credit Card does not include a Debit Card.
  • Debit Card means a payment medium that takes the form of a card, plate or other identification card or device issued to the Insured Person who is an owner of a deposit Account maintained by the issuer. The Insured Person may use the Debit Card to purchase, hire, rent or lease property or services. Debit Card does not include a Credit Card. 
  • Dependent Child means a Primary 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 a Primary Insured Person or a child for whom the Primary Insured Person or Spouse has been named legal guardian. The Dependent Child must be primarily dependent upon such Primary Insured Person for maintenance and support and must be: 1) under the age of 25; or 2) classified as an Incapacitated Dependent Child.
  • Immediate Family Member means an 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 stepchildren; legal guardians or wards; siblings or siblings-in-law; parents  or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. 
  • Incapacitated Dependent Child means a child who, as a result of being mentally or physically challenged, is permanently incapable of self-support and permanently dependent on the Primary Insured Person for support and maintenance. The incapacity must have occurred while the child was: 1) under the age of 19; or 2) under the age of 25 if enrolled as a full-time student and enrolled in an Institution of Higher Learning. 
  • Insured Person means a person, qualifying as a Class member: 1) who elects insurance; or 2) for whom insurance is elected, 3) and on whose behalf premium is paid.
  • Loss means Accidental: Loss of Foot, Loss of Hand, Loss of Hearing, Loss of Life, Loss of Sight, Loss of Sight of One Eye, Loss of Speech, Loss of Thumb and Index Finger. Loss must occur within one (1) year after the Accident. 
  • Loss of Foot means the complete severance of a foot through or above the ankle joint. We will consider such severance a Loss of Foot even if the foot is later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation.
  • Loss of Hand means complete severance, as determined by a Physician, of at least four (4) fingers at or above the metacarpal phalangeal joint on the same hand or at least three (3) fingers and the thumb on the same hand. We will consider such severance a Loss of Hand even if the hand, fingers or thumb are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation.
  • Loss of Hearing means permanent, irrecoverable and total deafness, as determined by a Physician, with an auditory threshold of more than 90 decibels in each ear. The deafness cannot be corrected by any aid or device, as determined by a Physician.
  • Loss of Life means death, including clinical death, as determined by the local governing medical authority where such death occurs within 365 days after an Accident.
  • Loss of Sight means permanent loss of vision. Remaining vision must be no better than 20/200 using a corrective aid or device, as determined by a Physician.
  • Loss of Sight of One Eye means permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 Using a corrective aid or device, as determined by a Physician.
  • Loss of Speech means the permanent, irrecoverable and total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician.
  • Loss of Thumb and Index Finger means complete severance, through the metacarpal phalangeal joints, of the thumb and index finger of the same hand, as determined by a Physician. We will consider such severance a Loss of Thumb and Index Finger even if a thumb, an index finger or both are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation.
  • Physician means a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include: 1) an Insured Person; 2) an Immediate Family Member.
  • Proof of Loss means written evidence acceptable to Us that an Accident, Accidental Bodily Injury or Loss has occurred
  • Spouse means an Insured Person’s husband or wife or who is recognized as such by the laws of the jurisdiction in which the Primary Insured Person resides. 
  • War means: 1) hostilities following a formal declaration of war by a governmental authority; 2) in the absence of a formal declaration of War by a governmental authority armed, open and continuous hostilities between two countries; or 3)armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the geographic area of hostility.
  • We, Us and Our means Federal Insurance Company.

ELIGIBILITY: This travel insurance plan is provided to Wells Fargo Visa Signature Credit Card cardholders, of Wells Fargo Bank, N.A., automatically when the entire cost of the passenger fare(s) are charged to the Wells Fargo Visa Signature Credit Card account while the insurance is effective. This plan is provided at no additional cost to eligible Wells Fargo Visa Signature Credit Card cardholders of Wells Fargo Bank, N.A. It is not necessary for you to notify Wells Fargo Bank, N.A., the administrator, or the Company when tickets are purchased.

EFFECTIVE DATE: This insurance is effective on the date that you become a Wells Fargo Visa Signature Credit Card cardholder, and will cease on the date the coverage is terminated or on the date your Wells Fargo Visa Signature Credit Card account ceases to be in good standing, whichever occurs first. 

DATE INSURANCE ENDS: Insurance for the Insured Person automatically terminates on the earliest of:
1) the termination date of this coverage; 2) the expiration of the period for which required premium has been paid for such Insured Person; 3) the date on which a person no longer meets the eligibility criteria as the Insured Person; or 4) the date on which We pay out 100% of the Benefit Amount.

BENEFITS:  We will pay the applicable Benefit Amount of $1,000,000.00 if an Accident results in a covered Loss not otherwise excluded. The Accident must occur while an Insured Person is insured under this policy, while it is in force. The covered Loss must occur within one (1) year after the Accident. Insured Person’s are covered while riding as a passenger in, entering or exiting any licensed Common Carrier, provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers or coupons, has been charged to your Wells Fargo Visa Signature Credit Card account. If the entire cost of the passenger fare has been charged to your Wells Fargo Visa Signature Credit Card account prior to departure for the airport, terminal or station, coverage is also provided for Common Carrier travel (including taxi, bus, train or airport limousine, including courtesy transportation); immediately, a) preceding your departure, directly to the airport, terminal or station b) while at the airport, terminal or station, and c) immediately following your arrival at the airport, terminal or station of your destination. If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your Wells Fargo Visa Signature Credit Card account.

100% of the Benefit Amount is payable for Accidental: Loss of Life; Loss of Speech and Loss of Hearing; Loss of Speech and one of: Loss of Hand, Foot or Sight of One Eye; Loss of Hearing and one of: Loss of Hand, Foot or Sight of One Eye; Loss of both Hands, both Feet, loss of Sight or any combination thereof; 50% of the Benefit Amount is payable for Accidental: Loss of Hand, Foot or Sight of One Eye (any one of each); Loss of Speech or Loss of Hearing; 25% of the Benefit Amount is payable for Accidental: Loss of Thumb and Index Finger of the same hand.  

If an Insured Person suffers multiple Losses as the result of one Accident, then We will only pay the single largest Benefit Amount applicable to all such Losses.

EXCLUSIONS: This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing the insurance. In addition no benefits will be paid for any Accident caused by or resulting from any of the following:
1) an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.); 2) an Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to an Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.); 3) an Insured Person’s commission or attempted commission of any illegal act, including but not limited to any felony; 4) any occurrence while an Insured Person is incarcerated after conviction; 5) an Insured Person being voluntarily intoxicated, while driving a vehicle at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs; 6) an Insured Person being under the influence of any narcotic unless administered on the advice of a Physician; 7) an Insured Person participating in parachute jumping from an aircraft; 8) an Insured Person being engaged in or participating in an organized motorized vehicular race or speed contest; 9) an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. (This exclusion does not apply to the first 60 consecutive days of active military service with the armed forces of any country or established international authority.); 10) an Insured Person traveling or flying on any a) flight on a rocket propelled or rocket launched aircraft, or b) flight which requires a special permit or waiver from a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted; 11) an Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury; 12) a declared or undeclared War.

BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured.

CLAIMS PAYMENT PROVISIONS:

Claim Notice: Written claim notice must be given to the Company within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably  possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. 

Claim Forms: To obtain a claim form contact the Claim Administrator at 1-855-830-3722. Complete all items on the required claim form, attach all appropriate documents, and mail to; Broadspire, a Crawford company, P.O. Box 792190, San Antonio, TX 78279. Reference policy # 9906-98-50. Claims documents may also be submitted via Myclaimsagent.com or fax to 1-855-830-3728. When the Company receives notice of a claim, the Company will send You forms for giving proof of Loss to us within fifteen (15) days. If You do not receive the forms, You should send the Company a written description of the Loss. 

Claim Proof of Loss: complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. 

Claim Payment: The Company will pay you or your beneficiary the applicable benefit amount within 30 days after complete proof of loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy. 

GOVERNING JURISDICTION AND CONFORMANCE WITH STATUTES: This policy is governed by the laws of the jurisdiction in which it is delivered to the Policyholder. Any terms of this policy which are in conflict with the applicable statutes, laws or regulations of the jurisdiction in which this policy is delivered are amended to conform to such statutes, laws or regulations. Any terms of a Description of Coverage which are in conflict with the applicable statutes, laws or regulations of the jurisdiction in which the Description of Coverage is delivered are amended to conform to the statutes, laws or regulations of the jurisdiction.

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. If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.

Questions: Answers to specific questions can be obtained by writing to the Plan Administrator:

cbsi Card Benefit Services
550 Mamaroneck Avenue
        Harrison, NY 10528

Plan Underwritten By

Federal Insurance Company
a member insurer of the
Chubb Group of Insurance Companies
202A Hall’s Mill Road
Whitehouse Station, NJ 08889

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 Wells Fargo Consumer Credit  Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. 

What is covered?

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of or involuntary and accidental parting of Your cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period.

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 Wells Fargo Consumer Credit Card. 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. 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 or outside the U.S. call collect at 1-303-967-1096, 24 hours a day, seven days a week or go to www.wellsfargo.com/cellphone.

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 Wells Fargo Consumer Credit Card to get up to $600 protection.

Wells Fargo Bank, N.A., is a banking affiliate of Wells Fargo & Company.
Wells Fargo Advisors is a trade name used by Wells Fargo Clearing
Services, LLC, a registered broker-dealer and non-bank affiliate of
Wells Fargo & Company.

© 2006–2018 Visa. All Rights Reserved.
© 2019 Wells Fargo Bank, N.A. All rights reserved.
Member FDIC.

LS-9311

M-122314


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