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USAA Guide to
Benefits
Important information. Please read and
save.
This “Guide to Benefits” contains detailed information about
extensive travel, insurance and retail protection services you
can access as a USAA credit cardholder. These programs
and coverages are effective on March 23, 2023. This Guide
supersedes any guide or program description you may have
received earlier. Unless otherwise specified herein, this
“Guide to Benefits” and the programs and coverages it
contains may be modified, replaced, or cancelled at any
time by posting a revised Guide to Benefits online,
subsequent mailings of the Guide to Benefits, credit card
statement inserts, statement messages, or other written or
electronic notifications.
To file a claim or for more information on any of these
services, call the Benefit Administrator at 844.288.2141.
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Table of Contents
This Guide to Benefits contains detailed information about the benefits you
receive when you use your eligible USAA credit card.
•
Auto Rental Collision Damage Waiver
– Auto Rental Collision
Damage Waiver provides coverage for damage due to collision or
theft up to the actual cash value of most rented cars.
•
Baggage Delay Reimbursement
– If your checked baggage is
delayed or misdirected for more than four hours, you can be
reimbursed for essential items you purchase ($100 per day for
three days maximum).
•
Concierge Services
– Exclusive to USAA Visa Signature
®
Credit Cards
– Instant access to dozens of everyday
benefits, experiences, fine wine and food events,
and
complimentary
24-hour Concierge
S
ervice.
•
Extended Warranty Protection
– Extended Warranty Protection
will double the time period of coverage to your existing U.S.
manufacturer’s warranty by
up to
one additional year on eligible
warranties of three years or less.
•
Cellular Telephone Protection – You can be reimbursed up to $500 in the
event your eligible cell phone is stolen or damaged when you pay your monthly
cell phone bill with your USAA credit card.
•
Purchase Security – Safeguard your new item against theft or damage for the
first 90 days from the date of purchase with Purchase Security available when
you pay with your eligible account.
•
Trip Cancellation/Trip Interruption
– Prepare for the unexpected
when you purchase travel
. You’re
covered for your non-refundable
passenger fare in case of Trip Interruption or Cancellation.
•
Travel Accident Insurance
– Add peace of mind to your itinerary.
Purchase your airline ticket with your covered card and enjoy
Travel Accident Insurance.
•
Travel and Emergency Assistance Services
– Call anytime for
Travel or Emergency Assistance, available for covered cardholders
from anywhere in the world.
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Auto Rental Collision Damage Waiver
The Auto Rental Collision Damage Waiver benefit provides reimbursement for
damages caused by theft or collision up to the Actual Cash Value of most rented
cars. Within Your country of residence, Auto Rental Collision Damage Waiver is
secondary coverage which means it supplements, and applies in excess of, any
valid and collectible insurance or reimbursement from any source. The 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. The Auto Rental Collision Damage Waiver
covers no other type of loss. For example, in the event of a collision involving
Your Rental Vehicle, damage to any other driver’s car, the injury of anyone, or
damage to anything (other than your Rental Vehicle) is not covered. Rental
periods up to thirty-one (31) consecutive days are covered.
You are covered when Your name is embossed on an eligible card issued in the
United States, and You use Your credit card Account and/or rewards programs
associated with Your Account to initiate and complete Your entire car rental
transaction. Only You, as the primary renter of the vehicle, and any additional
drivers permitted by the Rental Car Agreement are covered.
How Does The Auto Rental Collision Damage Waiver Work With
Other Insurance?
If You
do
have personal automobile insurance or other insurance that covers theft
or damage, this benefit reimburses You for the deductible portion of Your car
insurance or other insurance, along with any unreimbursed portion of
administrative and loss-of-use charges imposed by the car rental company, as
well as reasonable towing charges while the car was Your responsibility.
If You
do not
have personal automobile insurance or any other insurance, this
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 Do You Use The Auto Rental Collision Damage Waiver?
1. Use Your Account to initiate and complete Your entire car rental
transaction.
2. During this transaction, review the Rental Car Agreement and
decline
the
rental company’s collision damage waiver (CDW/LDW) option or a similar
provision.
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.
Before driving out of the lot, check the rental car for any prior damage and
bring any damage You identify to the attention of the rental car company.
This benefit is in effect during the time the rental car is in Your (or an authorized
driver’s) control and terminates when the rental company reassumes control of
their vehicle.
This benefit is available in the United States and most foreign countries.
Coverage 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. If You have questions about where coverage applies, contact the
Benefit Administrator before You travel.
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Wondering if coverage applies to a specific type of vehicle?
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What Vehicles Are Not Covered?
Certain vehicles are not covered by this benefit, including: high value motor
vehicles, exotic and antique cars (cars over twenty (20) years old or that have
not been manufactured for ten (10) years or more), cargo vans, vehicles with
open cargo beds, trucks, motorcycles, mopeds, motorbikes, limousines,
recreational vehicles, and passenger vans with seating for more than nine (9)
people, including the driver (passenger vans with seating for nine (9) or less,
including the driver, are covered).
o
Examples of high value motor vehicles or exotic car brands not covered
are 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.
Contact the Benefit Administrator at 1-844-288-2141, or call collect outside
the United States at 1-804-673-1164.
What’s Not Covered?
The Auto Rental Collision Damage Waiver benefit does not apply to:
•
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, including You, or damage to anything, inside or outside
the Rental Vehicle
•
Loss or theft of personal belongings
•
Personal liability
•
Expenses assumed, waived, or paid by the auto rental company or its
insurer
•
The cost of any insurance or collision damage waiver offered by or
purchased through the auto rental company
•
Depreciation of the Rental Vehicle caused by the incident including, but
not limited to, “diminished value”
•
Expenses reimbursable by Your insurer, employer, or employer’s
insurance
•
Theft or damage due to intentional acts or due to the driver(s) being
under the influence of alcohol, intoxicants or drugs, or due to contraband,
or illegal activities
•
Wear and tear, gradual deterioration, or mechanical breakdown
•
Items not installed by the original manufacturer
•
Damage due to off-road operation of the Rental Vehicle
•
Theft or damage due to hostility of any kind (including, but not limited to,
war, invasion, rebellion, insurrection, or terrorist activities)
•
Confiscation by authorities
•
Vehicles that do not meet the definition of covered vehicles
•
Rental periods that either exceed or are intended to exceed thirty-one
(31) days
•
Leases and mini leases
•
Theft or damage resulting from 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)
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•
Theft or damage reported more than forty-five (45) days *
•
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 sixty-five (365) days after the date of the
incident
•
Losses caused by or resulting from a Cyber Incident
*Not applicable to residents in certain states
after the date of
the incident
How Do You File 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, follow these simple steps to file Your claim:
1. At the time of the theft or damage, or when You return the Rental Vehicle,
request the following documents from Your car rental company:
•
Copy of the accident report form
•
Copy of the initial and final auto rental agreements (front and back)
•
Copy of the repair estimate and itemized repair bill
•
Two (2) photographs of the damaged vehicle, if available
•
Police report, if obtainable
•
Copy of the demand letter indicating the costs You are responsible
for and any amounts that have been paid toward the claim
2. Call the Benefit Administrator at
1-844-288-2141, or call collect outside
the United States at 1-804-673-1164
to report the theft or damage,
regardless of who is at fault and whether Your liability has been
established, as soon as possible but no later than
forty-five (45) days
from the date of the incident.
Any claim containing charges that would
not have been included if notification occurred before the expenses were
incurred may be declined, so it is important to notify the Benefit
Administrator immediately after an incident. Reporting to any other person
will not fulfill this obligation.
3.
Submit
the documents listed above along with the following documents to
the Benefit Administrator:
•
Completed and signed Auto Rental Collision Damage Waiver claim
form
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
•
Credit card statement (showing the last four (4) digits of the
Account number) reflecting the charge for the rental transaction
•
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
•
If You have no other applicable insurance or reimbursement,
please provide a statement to that effect
•
Copy of Your primary insurance policy’s Declarations Page (if
applicable) to confirm Your deductible; this is 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
*Not applicable to residents in certain states
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All documents must be postmarked within three hundred sixty-five (365)
days of the theft or damage date, or Your claim may be denied.
Filing online is even faster: visit www.eclaimsline.com
Transference Of Claims
After Your claim is paid, Your rights and remedies against any party in regard to
the theft or damage is transferred to the Benefit Administrator, to the extent of
the cost of payment made to You. You must give the Benefit Administrator all
assistance reasonably required to secure all rights and remedies.
Definitions
Account
- Your credit card Account
Actual Cash Value
- the amount a Rental Vehicle is determined to be worth
based on its market value, age, and condition at the time of loss
Computer Programs
- a set of related electronic instructions which direct the
operations and functions of a computer or device connected to it, which enable
the computer or device to receive, process, store, retrieve or send data.
Cyber Incident
means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Rental Vehicle;
(b) alteration, corruption, damage, reduction in functionality, manipulation,
misappropriation, theft, deletion, erasure, loss of use or destruction of Your
Digital Data or Rental Vehicle;
(c) transmission or introduction of a computer virus or harmful code, including
ransomware, into or directed against Your Digital Data or Rental Vehicle;
(d) restriction or inhibition of access to or directed against Your Digital Data or
Rental Vehicle;
(e) computer errors, including human operating error or omission; power
failure, surge, or diminution of electronic systems; or mistakes in legitimate
electronic code or damage from code installed on a Rental Vehicle during
the manufacturing process, upgrade process, or normal maintenance
Digital Data
- information, concepts, knowledge, facts, images, sounds,
instructions, or Computer Programs stored as or on, created or used on, or
transmitted to or from computer software (including systems and applications
software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with
electronically controlled equipment. Digital Data shall include the capacity of a
Rental Vehicle to store information, process information, and transmit information
over the Internet.
Eligible Person
- a cardholder who pays for their auto rental by using their eligible
Account
Rental Car Agreement
- 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
- a land motor vehicle with four or more wheels which the eligible
renter has rented for the period of time shown on the Rental Car Agreement and
is not identified as a non-covered vehicle herein
You or Your
- the Eligible Person
Additional Provisions
•
Signed or pinned transactions are covered as long as You use Your
eligible Account to secure the transaction.
•
You shall do all things reasonable to avoid or diminish any loss covered
by this benefit. This provision will not be unreasonably applied to avoid
claims.
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•
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. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been
suspended or cancelled.
•
Termination dates may vary by financial institutions. Your financial
institution can cancel or non-renew the benefits for cardholders, and if
they do, they will notify You at least thirty (30) days in advance. Indemnity
Insurance Company of North America (“Provider”) is the underwriter of
these benefits and is solely responsible for its administration and claims.
The Benefit Administrator provides services on behalf of the Provider.
•
After the Benefit Administrator has paid Your claim, all Your rights and
remedies against any party in respect of this claim will be transferred to the
Benefit Administrator to the extent of the payment made to You. You must
give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
•
This benefit does not apply to the extent that trade or economic sanctions
or other laws or regulations prohibit the provision of insurance, including,
but not limited to, the payment of claims.
For more information about the benefit described in this Guide to Benefits,
call the Benefit Administrator at 1-844-288-2141, or call collect outside the
U.S. at 1-804-673-1164.
Baggage Delay Reimbursement
The Baggage Delay Reimbursement benefit provides reimbursement for the
emergency purchase of essential items, such as toiletries, clothing, and chargers
for electronic devices (limit one per device), when Your Baggage is delayed while
on an eligible Trip. The maximum benefit is
one hundred ($100.00) dollars
per
day up to a maximum of three (3) days. The Baggage Delay benefit applies if
Your Baggage is delayed or misdirected for more than four (4) hours and for each
additional twenty-four (24) hour period Your Baggage is delayed after the initial
four (4) hours for a maximum of three (3) days.
You, Your Spouse and/or Your Dependent Children are covered when Your name
is embossed on an eligible card issued in the United States, and You charge all or
a portion of the fare to Your credit card Account and/or Rewards programs
associated with Your Account. Your Spouse and/or Dependent Children do not
need to be traveling with the Cardholder for benefits to 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 will automatically adjust in
accordance with the change.
If You charge multiple Common Carrier fares on Your Account for Yourself, Your
Spouse and Your Dependent Children, each Insured Person is eligible to receive
the benefit.
Trips must occur while the insurance is in-force to be eligible for this
benefit.
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Please Pay Special Attention to These Conditions of the Baggage Delay benefit:
•
Baggage Delay must be reported to the Travel Supplier to be eligible for
this benefit.
•
Coverage will not be provided if Your Account is closed before the
Baggage Delay occurs. In no event will Your cancellation of Your Account
invalidate or reduce any otherwise valid claim that has already been
submitted.
This benefit is payable on an excess basis over and above any amount due
from any other valid or collectible insurance or any other form of
reimbursement payable by those responsible for the loss.
What’s Not Covered?
The Baggage Delay benefit does not apply to:
•
Hearing aids
• Artificial teeth, dental bridges, or prosthetic devices
• Tickets, documents, money, securities, checks, traveler’s checks,
and valuable papers
• Business samples
• Jewelry and watches
• Cameras, video recorders, and other electronic equipment
• Recreational equipment
• 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
How Do You File a Claim?
Follow these simple steps to file Your claim:
1. Immediately notify the Common Carrier to begin the Common Carrier’s
claim process.
You will need to provide proof that You submitted a
report to the Common Carrier, so be sure to keep a copy of the
report for Your records.
2. Call the Benefit Administrator at
1-844-288-2141
within
twenty (20) days
of the date Your baggage was delayed or as soon as reasonably
possible.
3. Answer a few questions, so the Benefit Administrator can send You the
right claim forms and let You know what other documentation is needed.
4. Return the completed and signed claim form and requested
documentation to the Benefit Administrator within
ninety (90) days
or as
soon as reasonably possible (but no later than
one (1) year
after the
ninety (90) day
deadline).
What Documents Will You Need To Provide?
The Benefit Administrator will provide the details, but generally You should be
prepared to send:
•
Completed and signed claim form
•
Travel itinerary
•
Copies of the notification and reporting filed with the Common Carrier or
Cruise Line and all related correspondence
•
Your credit card statement (showing the last four (4) digits of the Account
number) reflecting the charge for the Common Carrier or Cruise Line fare
•
Copy of the settlement or denial from the Common Carrier or Cruise Line
•
Copies of receipts for the purchase of essential items over
twenty-five
($25.00) dollars
•
Any other documentation deemed necessary by the Benefit Administrator
to substantiate the claim
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Definitions
Filing online is even faster: visit www.myclaimsagent.com/cbs
Account
- Your credit card Account
Baggage
- suitcases and the containers specifically designated for carrying
personal property, and the personal property contained therein
Baggage Delay
- a delay or misdirection of an Insured Person’s Baggage by a
Common Carrier for more than four (4) hours from the time he or she arrives at
the destination as shown on the Covered Person’s ticket
Cardholder
- an individual to whom a credit card has been issued by USAA
Federal Savings Bank or USAA Savings Bank
Common Carrier
- any commercially licensed motorized land, water or air
Conveyance, operated by an organization organized and licensed for the
transportation of passengers for hire and operated by an employee or an
individual under contract
Company
- Federal Insurance Company
Covered Person
- You, as the Insured Person, and Your Spouse and Dependent
Children
Cruise Line
- 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
Incapacitated Dependent Child
– any person who, as a result of being
mentally or physically challenged, is permanently incapable of self-support and
permanently dependent on the Insured Person for support and maintenance,
as evidence by United States income tax returns showing such person as
dependent
Insured Person
- the Cardholder
Recreational Equipment
- any equipment that is used to engage in a
particular sport, hobby, game, excursion, or other recreational activity; and for
which the Covered Person has the requisite license or permit to own or
operate if a license or permit is required
Rewards
- points, miles, cash Rewards, or any other type of redeemable
Rewards, as well as any redeposit fees charged by a Rewards administrator,
provided that all Rewards have been accumulated through a credit card
rewards program offered by USAA Federal Savings Bank and/or USAA Savings
Bank
Scheduled Departure Date
- the date on which the Covered Person is originally
scheduled to leave on the Trip
Scheduled Return Date
- the date on which the Covered Person is originally
scheduled to return to the point of origin or to a different final destination
Spouse
- the Covered Person’s husband or wife who is recognized as such by
the laws of the jurisdiction in which the Covered Person resides; Spouse includes
domestic partners or Covered Persons joined by civil unions where applicable by
law
Travel Supplier
- a Cruise Line, or airline, or railroad or other Common Carrier
Trip
- travel booked through a Travel Supplier when some portion of the fare
for such transportation has been charged to Your Account issued by Your
financial institution or has been paid for with redeemable Rewards that were
accumulated from a Rewards program sponsored by Your financial institution.
Trip must occur while the insurance is in-force
You or Your
- the Covered Person
We, Us and Our
- Federal Insurance Company
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Additional Provisions
•
We have a right to examine under oath the Covered Person or the Covered
Person’s authorized representative, if applicable. We may also require the
Covered Person or the Covered Person’s authorized representative, if
applicable, to provide a signed description of the circumstances
surrounding the loss and their interest in the loss. The Covered Person or
the Covered Person’s authorized representative, if applicable, will also
produce all records and documents requested by Us and will permit Us to
make copies of such records or documents.
•
In the event of a claim under this policy, the Covered Person or his or her
authorized representative must fully cooperate with Us in Our handling of
the claim, including, but not limited to, the timely submission of all medical
and other reports that We may require. If We are sued in connection with a
claim under this policy, then the policyholder and the Covered Person or
his or her authorized representative must fully cooperate with Us in the
handling of such suit. The policyholder and the Covered Person must not,
except at their own expense, voluntarily make any payment or assume any
obligation in connection with any suit without Our prior written consent.
•
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 three (3) 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.
•
We will not use any statements, except fraudulent misstatements, made
by the policyholder or the Covered Person to void the insurance or reduce
benefits payable under this policy, or to otherwise contest the validity of
this policy, unless such statements are contained in a written document
signed by the policyholder or the Covered Person. If We rely on such
statements for this purpose, then We will provide a copy of the written
document to the policyholder and the Covered Person, as appropriate.
•
This information is a brief description of the important features of this
insurance plan. It is not an insurance contract. Insurance benefits are
underwritten by Federal Insurance Company. Coverage may not be
available in all states or certain terms may be different where required by
state law.
For more information about the benefit described in this Guide to Benefits,
call the Benefit Administrator at 1-844-288-2141.
Concierge
Services for USAA Visa Signature
®
Credit Card
Accounts
USAA Visa Signature
®
Cardmembers can take advantage of Concierge
Services*. This service is exclusive to USAA Visa Signature
®
Credit Card
Cardmembers and offers You information and recommendations 24x7x365 on
valuable travel and entertainment services while You are home or away. Below
are services available to You:
Travel Information and Assistance
:
•
Flight, hotel, and car rental reservations
•
Pre-trip information for major destinations:
o
International currency, exchange rates, ATM locations, vaccination
requirements, visa/passport requirements, local weather, and much
more
o
Local sights/attractions, exhibitions, festivals, museums, holidays, and
other tourist information in the area where You are traveling
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Entertainment Planning:
•
Provide assistance with restaurant reservations or booking reservations
on Your behalf
•
Make reservations or provide tee time information on golf courses and/or
resorts. You can also receive detailed information about the requested
course such as name, address, number of holes, golf pro name, etc.
•
Provide assistance in obtaining tickets to musicals, plays, concerts,
ballets, operas, museums, and sporting events, etc.
•
Provide information on leisure tours, tennis courts, health and fitness
clubs, shopping location information while traveling, and more
Business Services:
•
Provide emergency translation services
•
Locate and arrange for business equipment rentals and meeting facilities
•
Relay protocol and etiquette information
Specialty Services:
•
Provide information on and make arrangements for floral or gift basket
delivery
•
Undertake specialty research and specialty shopping requests by utilizing
all available resources
•
Place a reminder telephone call or send an email at any specified time
period requested
The following services are not provided by Concierge Services:
•
Ability to gain special access to restaurants
•
Ability to gain special access to sold out venues or popular events;
however, there are current relationships with ticket brokers who may be
able to provide access at current market prices at time of booking.
•
Discounts
•
Extensive planning services such as assistance in wedding planning is not
available; however, the concierges can assist by locating a wedding
planner for You.
•
Local errand-running services or local personal services such as
babysitting; however, the concierges can provide professional
recommendations (excluding medical recommendations). Professional
recommendations would normally be for services that have a significant
local presence and can demonstrate they are licensed and insured.
•
Services which are illegal, unethical, or immoral
•
Vacation packages cannot be assembled and are not available
•
Cruises are not available; however, the concierge can recommend a local
travel agency that can recommend/book cruises.
To learn more abo
ut Concierge Services, contact us at
1-844-288-2141
, or call
collect outside the U.S. at
1-630-350-4551
.
*Certain restrictions and limitations apply. The costs for goods or services
purchased through Concierge Services are the cardholder’s responsibility.
Extended Warranty Protection
Extended Warranty Protection doubles the time period of warranty coverage for
up to one (1) additional year on original eligible warranties of three (3) years or
less. Coverage is limited to the original price of the purchased item (as shown on
Your itemized sales receipt), less shipping and handling fees, up to a maximum of
fifteen thousand ($15,000.00) dollars
per claim and a maximum of
fifty
thousand ($50,000.00) dollars
per Account. The benefit applies to purchases
made both inside and outside the U.S. The eligible item must have a valid original
manufacturer’s U.S. repair warranty of three (3) years or less, a store-purchased
dealer warranty, or an assembler warranty. Eligible items given as gifts can also
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141
be covered. You are eligible for this benefit when Your name is embossed on an
eligible card issued in the United States, and You charge all or a portion of the
cost of an eligible item to Your credit card Account and/or rewards programs
associated with Your Account.
If You received or purchased any other applicable extended warranty when
You purchased Your item, this benefit will be supplemental to and in excess
of that coverage.
How Do You Register a Purchase For Warranty Registration?
When You purchase an eligible item that carries a manufacturer’s warranty, You
have the option to register Your purchase by calling the Benefit Administrator or
by going online to register Your purchase at www.cardbenefitservices.com. The
Benefit Administrator will tell You where to send copies of Your item’s sales
receipt and warranty information, so they can be kept on file should You need
them.
While registration is not required for Extended Warranty Protection, You are
encouraged to consider registration to help You take full advantage of Your
warranties.
If You choose not to register Your item, be sure to keep Your credit card
statement (showing the last four (4) digits of the Account number) reflecting the
purchase, the itemized sales receipt, the original manufacturer’s written U.S.
warranty, and any other applicable warranty You received or purchased when
You bought Your item. These documents will be required to verify Your claim.
How Does Extended Warranty Protection Work?
Your warranty coverage can be doubled up to one (1) additional year on eligible
warranties of three (3) years or less. For example, a manufacturer’s warranty of
three (3) months would be provided with an additional three (3) months of
coverage for a combined total of six (6) months of coverage, and a warranty for
six (6) months would be provided with an additional six (6) months of coverage
for a combined total of twelve (12) months of coverage. However, if the
manufacturer’s warranty is for three (3) years, it would only be extended one (1)
additional year for a combined total of four (4) years of coverage.
What’s Not Covered?
The Extended Warranty Protection benefit does not cover the following
purchases:
•
Boats, automobiles, aircraft, and any other motorized vehicles and their
motors, equipment, or accessories, including trailers and other items that
can be towed by or attached to any motorized vehicle
•
Any costs other than those specifically covered under the terms of the
original manufacturer’s written U.S. repair warranty, as supplied by the
original manufacturer, or other eligible warranty
•
Items purchased for resale, professional, or commercial use
•
Real estate and items which are intended to become part of real estate
including, but not limited to, items that are hard-wired or hard-plumbed,
garage doors, garage door openers, and ceiling fans
•
Rented or leased items
•
Computer software
•
Medical equipment
•
Used or pre-owned items (Refurbished items will be covered as long as it
has a warranty with it and would not be considered used or pre-owned.)
•
Losses caused by or resulting from a Cyber Incident
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
How Do You File a Claim?
Follow these simple steps to file Your claim:
1. Contact the Benefit Administrator at
1-844-288-2141
immediately after the
failure of Your covered item.
Please note that if You do not notify the
Benefit Administrator within sixty (60) days of product failure, Your
claim may be denied.
Gift recipients of eligible items are also covered,
but they must provide all the documents needed to substantiate their
claim.
2. The Benefit Administrator will ask You some preliminary questions, direct
You to the appropriate repair facility, and send You the claim form.
3. Return the completed and signed claim form and requested
documentation to the Benefit Administrator and submit it within
ninety
(90) days of the product failure along with the required documents.
Filing online is even faster: visit
www.cardbenefitservices.com
What Documents Will You Need To Provide?
The Benefit Administrator will provide the details, but generally You should
be prepared to send:
•
Completed and signed claim form
•
Your credit card statement (showing the last four (4) digits of the
Account number) demonstrating that the purchase was made on
Your Account
•
If more than one method of payment was used, please provide
documentation as to additional currency, voucher, points, or any
other payment method utilized
•
Copy of the itemized sales receipt
•
Copy of the original manufacturer’s written U.S. warranty, and any
other applicable warranty
•
Description of the item, its serial number, and any other
documentation deemed necessary to substantiate Your claim (this
includes bills and, if necessary, a copy of the maintenance record
and receipts)
•
Original repair estimate or repair bill, indicating cause of failure
•
Any other documentation deemed necessary by the Benefit
Administrator to substantiate the claim
How Will You Be Reimbursed?
If You have substantiated Your claim and met the terms and conditions of
the benefit, Your item will be replaced or repaired at the Benefit
Administrator’s discretion for no more than the original purchase price of
the covered item as recorded on Your credit card receipt, less shipping
and handling fees, up to a maximum of
fifteen thousand ($15,000.00)
dollars
per claim and a maximum of
fifty thousand ($50,000.00) dollars
per Account. You will be reimbursed up to the amount charged to Your
Account or the program limit, whichever is less. Any purchases made
using rewards points associated with the Account are eligible for this
benefit, and You will only be reimbursed up to the dollar amount to replace
or repair the item or the program limit, whichever is less.
I
f Your item is to be repaired, You may go to an authorized repair facility
and file a claim for reimbursement. Only valid and reasonable repairs
made at the manufacturer’s authorized repair facility are covered.
In either case, the Benefit Administrator’s payment, replacement, or repair
made in good faith will fulfill the obligation under this benefit.
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
Definitions
844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141
Account
- Your credit card Account
Computer Programs
- a set of related electronic instructions which direct the
operations and functions of a computer or device connected to it, which enable
the computer or device to receive, process, store, retrieve or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or a Covered
Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation,
misappropriation, theft, deletion, erasure, loss of use or destruction of
Your Digital Data or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code,
including ransomware, into or directed against Your Digital Data or
Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data
or Covered Purchase;
(e) computer errors, including human operating error or omission; power
failure, surge, or diminution of electronic systems; or mistakes in
legitimate electronic code or damage from code installed on a Covered
Purchase during the manufacturing process, upgrade process, or normal
maintenance.
Digital Data
- information, concepts, knowledge, facts, images, sounds,
instructions, or Computer Programs stored as or on, created or used on, or
transmitted to or from computer software (including systems and applications
software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data
processing devices or any other repositories of computer software which are
used with electronically controlled equipment. Digital Data shall include the
capacity of a Covered Purchase to store information, process information, and
transmit information over the Internet.
Eligible Person
- a cardholder who pays for their purchase by using their
eligible Account and/or rewards programs associated with their covered
Account
You or Your
- the Eligible Person
Additional Provisions
•
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. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been
suspended or cancelled.
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
•
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 to Benefits,
call the Benefit Administrator at 1-844-288-2141.
Cellular Telephone Protection
Cell phones have become an everyday necessity for the average person, which means if Your
cell phone is damaged or stolen, getting it repaired or replaced is not optional.
Fortunately, Cellular Telephone Protection is available which provides coverage for damage to,
theft of, or involuntary and accidental parting of Your cell phone. An involuntary and accidental
parting is the unintended separation from Your cell phone when its location is known, but
recovery is impractical to complete. This benefit is available if You are a valid cardholder of an
eligible U.S.-issued card enrolled in the Cellular Telephone Protection benefit and You charge
Your monthly cellular wireless phone bills to Your eligible card for the billing cycle before the
month in which the incident occurs. Eligible cell phones are the lines listed on Your most recent
cellular wireless service provider’s (“cell phone provider”) monthly billing statement for the billing
cycle prior to when the incident occurred.
What is covered?
This benefit is supplemental coverage, which means that it will reimburse You for theft of,
damage to or involuntary and accidental parting of Your cell phone 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).
If You do have personal insurance that covers theft, damage or involuntary and accidental
parting for Your cell phone, this benefit reimburses You for the deductible portion of Your cell
phone insurance.
If You do not have personal insurance, the benefit reimburses You for the covered theft,
damage, or involuntary and accidental parting for Your cell phone.
Once
a
ll
other
insurance
has been
exhausted,
Cellular
Telephone
Protection
will
provide
coverage
up
to
$500.00
per
claim
with
a
maximum
of
two
(2)
claims
and
$1,000.00
per
twelve
(12)
month
period.
If
it
is determined
that
Your
cell
phone
requires
replacement
due
to
the
theft
of,
damage
to
or
an
involuntary or
accidental
parting
of
the
device,
You
will
receive
the
replacement
value
subject
to
the
fifty dollar
($50.00)
deductible
and
the
benefit
maximum.
The
replacement
value
is the
lesser
of
Your
cellular
wireless service
provider’s suggested
retail
value
of
a
similar
model
replacement
cell
phone
or
the
actual
cost
to
replace
the
cell
phone.
If Your
cell phone is repairable, You will receive an amount as determined by the diagnostic to
repair the cell phone subject to the benefit maximum and fifty-dollar ($50.00) deductible.
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is
no evidence of physical damage, are not covered under this program.
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844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141
When does it apply?
Cellular Telephone Protection applies when You make Your monthly cellular wireless phone bill
payment with Your eligible card. Coverage begins the first day of the calendar month following a
payment of the cellular wireless phone bill.
If You fail to make a cellular wireless phone bill payment in a particular month, Your coverage
will be suspended. Coverage will resume on the first day of the calendar month after the date of
any future cellular wireless phone bill payment made with the eligible card.
If Your cell phone is stolen as a result of criminal activity, You must file a police report
within forty-eight (48) hours of the event.
What is not covered?
This benefit will not provide reimbursement for the following:
•
Cell phone accessories other than standard battery and/or standard antenna
provided by the manufacturer
•
Cell phones purchased for resale, professional, or commercial use
•
Cell phones that are lost or “mysteriously disappear,” meaning that the phone
vanished in an unexplained manner without evidence of a wrongful act by a person or
persons
•
Cell phones under the care and control of a common carrier (including, but not limited
to, the U.S. Postal Service, airplanes, or delivery service)
•
Cell phones stolen from baggage unless hand-carried and under Your personal
supervision, or under supervision of Your traveling companion
•
Cell phones which have been rented, borrowed or are part of pre-paid or “pay as you
go” type plans
•
Cosmetic damage to the cell phone or damage that does not impact the cell phone’s
capabilities and functionalities
•
Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind
(including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by
the authorities, risks of contraband, illegal activities, normal wear and tear, flood,
earthquake, radioactive contamination, or damage from inherent product defects
•
Damage or theft resulting from misdelivery or voluntary parting with the cell phone
•
Taxes, delivery and transportation charges, and any fees associated with the cellular
wireless service provider
•
Losses caused by or resulting from a Cyber Incident
How to file a Cellular Telephone Protection claim
1. Within sixty (60) days of the date of the damage or theft, notify the Benefit
Administrator at 1-844-288-2141. The Benefit Administrator will ask You some
preliminary questions and send You the appropriate claim form. Please note, if
You do not notify the Benefit Administrator within sixty (60) days after the
damage or theft, Your claim may be denied.
2. Return the completed, signed claim form and the requested documentation
below within ninety (90) days of the date of the damage or theft to the
address provided by the Benefit Administrator.
For faster filing, or to learn more about Cellular Telephone Protection, visit
www.cardbenefitservices.com
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
Please submit the following documents:
• The
completed signed claim form
• A copy of Your cellular wireless service provider billing statement demonstrating
that the entire monthly payment for the cellular wireless phone bill was made the
month prior to the date of damage or theft and has been paid with the eligible
card.
• If Your cellular wireless service provider’s billing statement doesn’t show
payment with the eligible card, a copy of Your card monthly billing statement that
corresponds with the above cellular wireless phone monthly billing statement
• A copy of the device summary page from Your cellular wireless phone bill or
other sufficient proof of the claimed cell phone model linked to Your cell phone
account
• If the claim is due to theft or criminal action, a copy of the police report filed
within forty-eight (48) hours of the event
• Based on the details of the claim, the Benefit Administrator may request
additional verification including:
• An itemized repair estimate from an authorized cell phone repair facility
• The damaged cell phone, for evaluation of its damage
• An itemized store receipt for the replacement cell phone
• Documentation (if available) of any other claim settlement such as Your
cellular wireless provider or manufacturer’s insurance settlement (if
applicable)
Any other documentation deemed necessary in the Benefit Administrator’s sole discretion, to
substantiate Your claim. All claims must be fully substantiated as to the time, place, cause, and
purchase price of the cell phone.
If the cell phone is damaged, do not discard it until the claim has been fully reviewed.
How will I be reimbursed?
Depending on the nature and circumstances of Your claim, the Benefit Administrator may
choose to repair or replace Your cell phone or reimburse You for the lesser of:
a) Up to $500.00 after the fifty dollar ($50.00) deductible has been applied to the
replacement or repair cost; or
b) The current cellular wireless service provider’s suggested retail value of a similar
model replacement cell phone, or the actual cost to replace it, whichever is lower (not
including taxes, delivery and transportation charges or fees associated with the cellular
wireless service provider), less Your fifty dollar ($50.00) deductible.
c) If Your cell phone is repairable, You will receive an amount as determined by the
diagnostic to repair the cell phone less Your fifty dollar ($50.00) deductible.
Under normal circumstances, reimbursement will take place within ten (10) business days of
receipt and approval of Your claim form and all necessary documents.
Definitions
Computer Programs
-
means a set of related electronic instructions which direct the operations
and functions of a computer or device connected to it, which enable the computer or device to
receive, process, store, retrieve or send data
Cyber Incident
-
means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or an Eligible Wireless Cellular
Telephone;
(b) alteration, corruption, damage, reduction in functionality, manipulation,
misappropriation, theft, deletion, erasure, loss of use or destruction of Your Digital Data
or an Eligible Wireless Cellular Telephone;
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
Additional provisions for Cellular Telephone Protection
844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141
(c) transmission or introduction of a computer virus or harmful code, including
ransomware, into or directed against Your Digital Data or an Eligible Wireless Cellular
Telephone;
(d) restriction or inhibition of access to or directed against Your Digital Data or an Eligible
Wireless Cellular Telephone;
(e) computer errors, including human operating error or omission; power failure, surge, or
diminution of electronic systems; or mistakes in legitimate electronic code or damage
from code installed on an Eligible Wireless Cellular Telephone during the manufacturing
process, upgrade process, or normal maintenance.
Digital Data
-
means information, concepts, knowledge, facts, images, sounds, instructions, or
Computer Programs stored as or on, created or used on, or transmitted to or from computer
software (including systems and applications software), on hard or floppy disks, CD-ROMs,
tapes, drives, cells, data processing devices or any other repositories of computer software
which are used with electronically controlled equipment. Digital Data shall include the capacity of
an Eligible Wireless Cellular Telephone to store information, process information, and transmit
information over the Internet.
Eligible Cellular Wireless Telephones
-
are the lines listed on your most recent cellular
wireless service provider’s (“cell phone provider”) monthly billing statement for the billing cycle
prior to when the incident occurred.
Eligible Person
-
means a cardholder who pays for their monthly cellular wireless phone bill
with their eligible card.
You and Your
-
means an enrolled cardholder who has charged their monthly cellular wireless
phone bill to their covered card.
• 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.
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
• 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 1-844-288-2141
Purchase Security
Life is full of surprises...some good surprises; and some, not so good.
For
instance,
Your
son’s brand-new
iPad
got
soaked,
in
a
sudden
rainstorm
at
summer
camp.
But, You bought the item with Your card, so You may be covered.
Purchase Security protects new retail purchases made with Your eligible Account and/or
rewards program
associated
with
Your
covered
Account
within
the
first
ninety (90)
days from
the
date
of
purchase.
To
be
eligible
for
this coverage,
You
need
to
purchase
either
a
portion
or
the
entire
cost
of
the
item
using
Your
Account
and/or
rewards
program
associated
with
Your
covered Account.
At the Benefit Administrator’s discretion, this benefit replaces, repairs, or reimburses You, up to
the
total
purchase
price
of
Your
item
for
a
maximum
of
one
thousand
dollars ($1,000.00)
per
claim
and
ten
thousand
dollars
($10,000.00),
per
cardholder,
in
the
event
of
theft
or
damage.
You
are
eligible
for
this benefit
if
You
are
a
cardholder
of
an
eligible
card
issued
in
the
United
States.
Gifts purchased
for
friends
and
family members may also
be
covered
if
they are
purchased
with
Your
covered
Account
and/or
rewards program
associated
with
Your
covered
Account.
Purchase
Security
covers
Eligible
items of
personal
property purchased
with
Your
Account
and/or
rewards program
associated
with
Your
covered
Account
are
covered
for
damage
or
theft.
Purchases
made
outside
the
United
States are
also
covered
as long
as
You
purchased
the
item
with
Your
covered
Account
and/or
rewards program
associated
with
Your
covered
Account.
Purchase Security does not cover
• Animals and living plants
• Antiques or collectible items
• Boats, aircraft, automobiles, and any other motorized vehicles and their motors,
equipment, or accessories, including trailers and other items towable or
attachable to any motorized vehicle
• Broken items, unless the result of a covered occurrence
• Computer software
• Items purchased for resale, either professional or commercial use
• Items that are lost, or that “mysteriously disappear,” meaning they vanished in an
unexplained manner, with no evidence of wrongdoing by one person or several
• Items under the control and care of a common carrier (including the U.S. Postal
Service, airplanes, or a delivery service)
• Items in Your baggage (unless hand carried, or under Your supervision or that of
a companion You know); includes jewelry and watches, among other things
• Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion,
insurrection, terrorist activities, and more); confiscation by authorities (if
contraband or illegal); normal wear and tear; flood, earthquake, radioactive
contamination; damage from inherent product defects
• Theft or damage from misdelivery, or voluntarily parting with property
• Medical equipment
• Perishable or consumable items, including cosmetics, perfumes, rechargeable
batteries, among others
• Real estate and items intended for real estate, including hard-wired and hard-
plumbed items, garage doors and openers, ceiling fans, among other items
• Rented and leased items
• Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable
purchased instruments
• Items used or pre-owned (Refurbished items will not be considered used or pre-
owned as long accompanied by a warranty)
• Losses caused by or resulting from a Cyber Incident
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844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141
Filing a Purchase Security claim
Call the Benefit Administrator at 1-844-288-2141 within sixty (60) days of the damage or theft (if
You
wait
longer,
coverage
may
be
denied).
The
Benefit
Administrator
will
ask
for
some
preliminary claim
information,
answer
Your
questions and
send
You
a
claim
form.
When
You
submit
Your
claim,
be
sure
to
include
all
information
regarding
Your
claim
including
the
time,
place, cause and the amount to either replace or repair the item.
If You have insurance (homeowner’s, renter’s, car, employer or any other), You are required to
file
a
claim
with
Your
insurance
company
and
to
submit
a
copy of
any claim
settlement
from
Your
insurance
company along
with
Your
claim
form.
Purchase
Security
provides
coverage
on
an
“excess”
coverage
basis,
meaning
it
does not
duplicate
coverage,
but
pays for
a
loss
only
after
valid
and
collectible
insurance
or
indemnity (including,
but
not
limited
to,
homeowner’s,
renter’s,
automobile,
or
employer’s insurance
policies)
has been
exhausted.
At
that
point,
Purchase
Security will
cover
the
loss up
to
the
amount
charged
to
Your
eligible
Account,
subject
to
the
terms,
exclusions,
and
limits
of
liability of
the
benefit.
This benefit
also
pays for
the
outstanding
deductible
portion
of
Your
insurance
or
indemnity for
eligible
claims.
The
maximum
total
limit
of
liability is up
to
one
thousand
dollars ($1,000.00)
per
claim
occurrence
and
ten
thousand
dollars ($10,000.00)
per
cardholder.
You
will
receive
no
more
than
the
purchase
price
as recorded
on
the
eligible
card
receipt.
When
a
protected
item
is part
of
a
pair
or
set,
You
will
receive
no
more
than
the
value
(as
described
above)
of
the
particular
part
or
parts,
stolen
or
damaged,
regardless
of
any special
value
that
item
may have
as
part
of
such
a
pair
or
set,
and
no
more
than
the
proportionate
part
of
an
aggregate
purchase
price
of
such
pair
or
set.
For faster filing,
or to learn more
about
Purchase
Security,
visit
www.cardbenefitservices.com
Gift
recipients may
file
their
own
claims,
if
they have
the
necessary substantiating
documents.
Please
submit
the
following
documents:
• Your signed and completed claim form
• A copy of Your monthly billing statement (showing the last four (4) digits of the
Account number) demonstrating that the purchase was made on Your eligible
Account and/or rewards program associated with Your covered Account
• If more than one method of payment was used, please provide documentation as
to additional currency, voucher, points or any other payment method utilized
• A copy of the itemized store receipt demonstrating that the purchase was made
on Your eligible Account and/or rewards program associated with Your covered
Account
• Copy of the documentation of any other settlement of the loss (if applicable)
• If the item is repairable, the estimate of repair OR a copy of the paid
receipt/invoice for the repairs, indicating the type of damage to the claimed item
(if applicable)
• Copy of the police report (made within forty-eight (48) hours of the
occurrence in the case of theft), fire report or incident report to substantiate the
loss. If the loss was not reported, please provide a replacement receipt or other
sufficient proof of loss deemed eligible solely by Your Benefits Specialist (if
applicable)
• Any other documents necessary to substantiate Your claim
In some cases of damage, You will be asked to send, at Your expense, the damaged item along
with Your claim in order to substantiate the claim, so make sure to keep the damaged item in
Your possession.
PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit is the purchase
price of the item, not to exceed the coverage limit.
Please return Your signed and completed form with all documentation within ninety (90)
days of the date of theft or damage.
How will I be reimbursed?
Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim
in one of two ways:
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Definitions
• A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be
replaced. Typically, You will receive notice about this decision within fifteen (15)
days upon receipt of Your claim documentation.
• You may receive payment to replace Your item, in an amount not more than the
original purchase price, less shipping and handling charges, up to one thousand
dollars ($1,000.00) per claim and ten thousand dollars ($10,000.00) per
cardholder. You will only be reimbursed up to the dollar amount to replace or
repair the item or the program limit, whichever is less. Under normal
circumstances, reimbursement will take place within five (5) business days.
Account
-
means Your credit card Account
Computer Programs
-
means a set of related electronic instructions which direct the operations
and functions of a computer or device connected to it, which enable the computer or device to
receive, process, store, retrieve or send data.
Cyber Incident
-
means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Covered Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation,
misappropriation, theft, deletion, erasure, loss of use or destruction of Your Digital Data
or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code, including
ransomware, into or directed against Your Digital Data or Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data or Covered
Purchase;
(e) computer errors, including human operating error or omission; power failure, surge, or
diminution of electronic systems; or mistakes in legitimate electronic code or damage
from code installed on a Covered Purchase during the manufacturing process, upgrade
process, or normal maintenance.
Digital Data
-
means information, concepts, knowledge, facts, images, sounds, instructions, or
Computer Programs stored as or on, created or used on, or transmitted to or from computer
software (including systems and applications software), on hard or floppy disks, CD-ROMs,
tapes, drives, cells, data processing devices or any other repositories of computer software
which are used with electronically controlled equipment. Digital Data shall include the capacity of
a Covered Purchase to store information, process information, and transmit information over the
Internet.
Eligible Person
-
means a cardholder who pays for their purchase by using their eligible
Account and/or rewards program associated with their covered Account.
You or Your
-
means an Eligible Person who used their eligible Account to purchase the item
and/or rewards program associated with their covered Account.
Additional provisions for Purchase Security
• Signed or pinned transactions are covered as long as You use Your eligible
Account to secure the transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this
benefit. This provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no
coverage shall exist for such claim, and Your benefit may be cancelled. Each
cardholder agrees that representations regarding claims will be accurate and
complete. Any and all relevant provisions shall be void in any case of fraud,
intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60)
days after the Provider receives Proof of Loss. No legal action against the
Provider may be brought more than two (2) years after the time for giving Proof of
Loss. Further, no legal action may be brought against the Provider unless all the
terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms
and conditions contained in this Guide to Benefits may be modified by
subsequent endorsements. Modifications to the terms and conditions may be
provided via additional Guide to Benefits mailings, statement inserts, statement
messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or
cancelled.
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• 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 1-844-288-2141.
Trip Cancellation and Interruption
The Trip Cancellation and Trip Interruption benefit provides reimbursement for
Non-Refundable pa
ssenger fare for an airline, Cruise Line, railroad, or any other
Common Carrier charged to Your Account up to
one thousand five hundred
($1,500.00) dollars
per Covered Person, if a Loss results in cancellation or
interruption of the travel arrangements.
You,
Your Spouse and/or Dependent Child(ren) are covered when Your name is
embossed on an eligible Card issued in the United States, and You charge all or a
portion of a Trip to Your Credit Card Account and/or Rewards programs associated
with Your Account.
Your Spouse and/or Dependent Child(ren) do not need to be traveling with the
Cardholder for benefits to apply.
For Trip Cancellation:
Coverage begins on the initial deposit or booking date of the Trip and ends at the
point and time of departure on Your Scheduled Departure Date.
For Trip Interruption:
Coverage begins on Your Scheduled Departure Date and ends on Your Scheduled
Return Date.
In the event the Scheduled Departure Date and/or the Scheduled Return Date are
delayed, or the point and time of departure and/or point and time of return are
changed because of circumstances over which neither the Travel Supplier nor You
have control, the term of coverage shall be automatically adjusted in accordance
with Your or the Travel Supplier’s notice to Us of the delay or change.
If You are eligible for insurance under multiple Credit Card Accounts, You
will only be insured under the Account which provides the largest benefit
amount for the Loss that occurred.
What Are The Eligible Travel Expenses Covered?
Airline, Cruise Line, railroad, and other Common Carrier fares charged to Your
Account are eligible for reimbursement. These benefits will also reimburse any
Change Fee imposed by a Travel Supplier to change the date and/or time of
prescheduled travel arrangements of a Trip that has not been cancelled. Eligible
Travel Expenses also means redeposit fees imposed by a Rewards program
administrator.
For Trip Interruption:
•
The cost to return a rental vehicle to the closest rental agency or a Covered
Person’s personal vehicle to his or her closest leased or owned residence is
covered.
•
Meals and lodging expenses incurred as a result of the Trip Interruption are
covered; expenses do not include charges from a hospital.
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Please Pay Special Attention To These Conditions Of The Trip
Cancellation And Trip Interruption Benefit:
What Losses Are Covered?
The Trip Cancellation and Trip Interruption benefit covers a broad array of ‘what-
ifs’ that can impact travel plans, reimbursing if:
•
Accidental Bodily Injury or Loss of Life or Sickness experienced by the
Covered Person or their Traveling Companion which prevents the
Covered Person or Traveling Companion from traveling on the Trip
•
Accidental Bodily Injury or Loss of Life or Sickness experienced by an
Immediate Family Member of the Covered Person or Traveling Companion
when the Accidental Bodily Injury or Sickness is considered life
threatening, requires hospitalization, or such Immediate Family Member
requires the care of the Covered Person or Traveling Companion
•
An organized strike affecting public transportation that impacts the Covered
Person’s ability to commence or continue on a covered Trip
•
Default of the Common Carrier resulting from Financial Insolvency or
Financial Insolvency of a Travel Agency, Tour operator or travel Supplier
•
A change in military orders of a Covered Person or the Covered Person’s
Spouse
The following Losses are specific to
Trip Cancellation:
•
An organized strike affecting public transportation which causes a Covered
Person or their Traveling Companion to a) miss at least 20% of the
scheduled duration of the Trip; or b) miss the departure of a prepaid cruise,
or tour (booked through a Tour Operator) that the Covered Person is
scheduled to take
Trips must occur while the insurance is in-force to be eligible for this
benefit.
•
If the Covered Person suffers a Loss causing Trip Cancellation or Trip
Interruption, the Covered Person must notify the Travel Supplier of the
cancellation. If failure to notify of the cancellation results in the surrender of
Non-Refundable eligible travel expenses, that would have otherwise been
refundable had the Covered Person notified the Travel Supplier, no benefit
shall be payable. This limitation does not apply if a Loss prevents the
Covered Person from providing the notification.
•
In no event will We pay more than the benefit amount. In no event will We
pay more than the Maximum Benefit Amount per twelve (12) Month Period
in any twelve (12) consecutive month period regardless of the number of
Trip Cancellation claims made in that twelve (12) month period. Payment is
also limited to the Maximum Benefit Amount per Trip.
•
Reimbursement is subject to the Travel Supplier’s cancellation provisions
in effect at the time the Travel Supplier is notified of a cancellation.
•
In the event that a Covered Person’s Trip Cancellation or Trip Interruption
results in a credit for future travel accommodations, or other consideration
being issued by the Travel Supplier, no benefits shall be payable for that
portion of the eligible travel expenses which such credit represents until
such credit expires.
•
No benefit will be paid unless a portion of each eligible travel expense has
been charged to the Account.
•
In no event shall the Benefit Amount payable exceed the actual amount
charged to an Account of the Insured Person for eligible travel expenses.
•
We will not reimburse additional transportation expenses incurred by the
Covered Person other than those described above. This includes the
difference in cost between the original fare or any new fare to return home
or rejoin the Trip.
This benefit is payable on an excess basis over and above any amount due
from any other valid or collectible insurance or any other form of
reimbursement payable by those responsible for the Loss.
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What’s Not Covered?
The Trip Cancellation and Trip Interruption benefit does not apply to any Loss
caused by or resulting from, directly or indirectly:
•
A change in plans, financial circumstances, and any business or
contractual obligations of a Covered Person, Traveling Companion, or
their Immediate Family Members.
•
A Pre-Existing Condition or any other event that occurs or commences
prior to the initial deposit date or booking date of the Trip.
•
Any Loss due to the voluntary surrender of unused vouchers, tickets,
credits, coupons, or travel privileges available to the Covered Person from
the Travel Supplier prior to their issued expiration date.
•
Travel arrangements that are scheduled to take place after the twenty-
sixth (26th) week of pregnancy; or when any multiple pregnancy, with or
without complications, occurs prior to the initial deposit date or booking
date of the Trip.
•
Any Trip booked while on a waiting list for specified medical treatment.
•
Any Trip that is booked for the purpose of obtaining medical treatment.
•
Disinclination to travel due to civil unrest.
•
Failure of the Covered Person or a Traveling Companion to obtain
necessary visas, passports, or other documents required for travel.
•
A Covered Person’s commission or attempted commission of any illegal
act, including any felony.
•
A Covered Person’s suicide, attempted suicide, or intentionally self-
inflicted injury.
•
A Covered Person being intoxicated, while operating a motorized
vehicle. Intoxication is defined by the laws of the jurisdiction where such
Loss occurs.
•
A Covered Person being under the influence of any narcotic, legal
recreational marijuana, or other controlled substance at the time of a
Loss (except if the narcotic or other controlled substance is taken and
used as prescribed by a Physician).
•
A Covered Person’s disinclination to travel due to an epidemic or
pandemic.
For Trip Interruption only:
•
Travel arrangements canceled or changed by a Travel Supplier unless
the cancellation is the result of an organized strike affecting public
transportation or unless specifically covered by these benefits
•
Any event or circumstance unrelated to Accidental Bodily Injury or Loss
of Life or Sickness which occurs or commences prior to the initial deposit
or booking date of the Trip
How Do You File a Claim?
Follow these simple steps to file Your claim:
1. Call the Benefit Administrator at
1-844-288-2141
within
twenty (20) days
of Your Trip Cancellation or Interruption or as soon as reasonably
possible
.
2. Answer a few questions, so the Benefit Administrator can send You the
right claim forms and let You know what other documentation is needed.
3. Within fifteen (15) days of the Company’s receipt of your claim notice, we
will send You or Your designee forms to complete providing proof of loss.
If You or Your designee do not receive the forms please send the
Company a written description of the Loss, including information detailing
the occurrence, type, and the extent of the Loss for which the claim is
made.
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4. Return the completed and signed claim form and requested
documentation to the Benefit Administrator within
ninety (90) days or as
soon as reasonably possible (but no later than one (1) year after the
ninety (90) day deadline).
What Documents Will You Need To Provide?
The Benefit Administrator will provide the details, but generally You should be
prepared to send:
•
Documentation detailing the reason for Trip Cancellation or Interruption
•
Original unused tickets, copies of invoices, proof of payments, and other
documents that substantiate the cost or occurrence of the Trip Cancellation
or Trip Interruption
•
Your Credit Card statement (showing the last four (4) digits of the Account
number) confirming the eligible travel expenses were charged to an eligible
Account
•
Copies of the Travel Supplier(s) literature describing penalties for
cancellation or interruption of travel
•
Letter from the Travel Supplier or an itemized bill from the travel agent
stating the Non-Refundable amounts of the Trip costs
•
Documentation of refunds or credits received from the Travel Supplier(s)
•
Any unused vouchers, tickets, or coupons
Definitions
Filing online is even faster: visit www.myclaimsagent.com/cbs
Accident or
Accid
ental
-
a
sudden,
unforeseen,
and
unexpected
event
which
a)
happens
by
chance;
b)
arises
from
a
source
external
to
an
Insured
Person;
c)
is
independent
of
illness,
disease
or other bodily
malfunction
or medical
or
surgical
treatment
thereof;
d)
occurs
while
You
are
insured
under
the
benefit
while
it
is
in
effect;
and
e)
is
the
direct
cause
of
Loss
Accidental Bodily Injury
- bodily injury, which a) is Accidental; b) is the direct
cause of a Loss; and c) occurs while the Insured Person is insured under this
policy, which is in effect; 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 Osgood-Schlatter Disease, bursitis,
Chondromalacia, shin splints, stress fractures, tendinitis, and Carpal Tunnel
Syndrome
Account
- Your Credit Card Account
Cardholder
-
an
individual
to
whom
a
credit
card
has
been
issued
by
USAA
Federal Savings
Bank or USAA Savings Bank
Change Fees
- any fee imposed by a Travel Supplier to change the date and/or
time of prescheduled travel arrangements of a Trip that has not been cancelled;
Change Fees do not include a change in Common Carrier fare or new Common
Carrier fares
Common Carrier
- any commercially licensed motorized land, water, or air
Conveyance, operated by an organization, organized and licensed for the
transportation of passengers for hire, and operated by an employee or an
individual under contract
Company
-
Federal
Insurance
Company
Conveyance
- any motorized craft, vehicle, or mode of transportation licensed
or registered by a governmental authority with competent jurisdiction
Covered
Person
-
Cardholders,
their Spouse
or domestic
partner,
and
Dependent
Children
Cruise Line
- a company that maintains a fleet of cruise ships and markets
cruises to the public
Dependent Child
- 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
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b)
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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
Eligible Travel Expenses
- Non-Refundable prepaid travel expenses charged
by a Cruise Line, airline, railroad, and other Common Carriers; Eligible Travel
Expenses also means redeposit fees imposed by a Rewards program
administrator
Financial Insolvency
- the inability of an entity to provide travel services
because it has ceased operations either following the filing of a petition for
bankruptcy, whether voluntary or involuntary, or because it has ceased
operations as a result of a denial of credit or the inability to meet financial
obligations
Host at Destination
- a person with whom the Covered Person is sharing pre-
arranged overnight accommodations at the host’s usual principal place of
residence
Incapacitated Dependent Child
- any person who, as a result of being mentally
or physically challenged, is permanently incapable of self-support and
permanently dependent on the Insured Person for support and maintenance, as
evidenced by United States income tax returns showing such person as
dependent
Insured Person
- the Cardholder
Loss
- one of the following which occurs: a) while the Covered Person is insured
under this policy which is in force, and b) after the initial deposit or booking date
of the Trip:
•
Accidental Bodily Injury or Loss of Life or Sickness of either the Covered
Person or Traveling Companion, which prevents the Covered Person or
Traveling Companion from traveling on the Trip
•
Accidental Bodily Injury or Loss of Life or Sickness of an Immediate
Family Member of the Covered Person or Traveling Companion when the
Accidental Bodily Injury or Sickness is considered life threatening,
requires hospitalization, or such Immediate Family Member requires the
care of the Covered Person or Traveling Companion
•
Default of the Common Carrier resulting from Financial Insolvency or
Financial Insolvency of a Travel Agency, Tour operator or travel Supplier
•
Change in military orders of a Covered person or Covered Person’s
Spouse
•
For Trip Cancellation only, an organized strike affecting public
transportation which causes a Covered Person or their Traveling
Companion to a) m
iss at least 20% of the scheduled duration of
the Trip; or miss the departure of a prepaid cruise, or tour
(booked through a Tour Operator) that the Covered Person is
scheduled to take
Loss of Life
- death, including clinical death, determined by the local governing
medical authorities where such death occurs within 365 days after an Accident
Non-Refundable
- money (or Rewards) prepaid by You or Your Spouse or
domestic partner through use of a covered Account, if covered under the policy,
for a Covered the Trip cost:
•
which will be forfeited under the terms of the agreement made with the
Travel Supplier for unused travel arrangements; and
•
for which the Travel Supplier will not provide any other form of
compensation; or
•
for which the Rewards administrator will not provide reimbursement of
Rewards
Physician
- 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 You, Your Traveling
Companion, or Your or Your Traveling Companion’s Immediate Family Member,
Your or Your Traveling Companion’s employer or business partner, or an
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Immediate Family Member of Your or Your Traveling Companion’s employer or
business partner, a massage therapist, a physical therapist
Pre-Existing
Condition
-
illness,
disease
or
accidental
injury
of
the
Covered
Person,
Traveling
Companion,
or Immediate
Family
Member of
the
Covered
Person
or
Traveling
Companion,
for which
medical
advice,
diagnosis,
care
or
treatment
was
recommended
or received
within
the
sixty
(60)
day
period
immediately
prior to
the
initial
deposit
or
booking
date
(whichever
occurs
first)
of
a
Trip;
the
taking
of
prescription
drugs
or
medication
for
a
controlled
condition
throughout
this
sixty
(60)
day
period
will
not
be
considered
to
be
a
treatment
of
illness
or
disease.;
additionally,
regular
antenatal
care,
through
twenty-six
(26)
weeks
gestation;
provided
it
is
a
single,
uncomplicated
pregnancy
which
does
not
arise
from
services
or
treatment
associated
with
an
assisted
reproductive
program,
including
but
not
limited
to
in
vitro
fertilization,
is
not
considered
to
be
a
treatment
of
illness
or
disease
Rewards
- points, miles, cash Rewards, or any other type of redeemable
Rewards, as well as any re-deposits fees charged by a Rewards administrator,
provided that all Rewards have been accumulated through a credit card rewards
program offered by USAA Federal Savings Bank and/or USAA Savings Bank
Scheduled
Departure
Date
–
the
date
on
which
the
Covered
Person
is originally
scheduled
to
leave
on
the
Trip
Scheduled Return Date
– the date on which the Covered Person is originally
scheduled to return to the point of origin or to a different final destination
Sickness
–
illness
or disease
which
requires the
attendance
of
a
Physician
Spouse
–
the
Covered
Person’s
husband
or
wife
who
is
recognized
as
such
by
the
laws of
the
jurisdiction
in
which
the
Covered
Person
resides;
Spouse
includes
domestic
partners
or
Covered
Persons
joined
by
civil
unions
where applicable
by
law
Travel
Supplier
–
a
Cruise
Line,
airline,
railroad,
or other
Common
Carrier
Traveling
Companion
–
an
individual
who
has
made
advance
arrangements
with the
Covered Person
to travel
together
for
all
or
part of
the
Trip
Trip
– any travel booked through a Travel Supplier for which:
•
any portion of the cost has been charged to the Insured Person’s Account
issued by Your financial institution and/or its affiliates; or
•
any portion of the cost has been paid for with redeemable Rewards while
the insurance is in effect
Trip Cancellation
– the cancellation of travel arrangements due to a Loss when
the Covered Person is prevented from traveling on a Trip on or before the
Scheduled Departure Date of the Trip
Trip
Interruption
–
the
interruption
of
the
Covered
Person’s
Trip
either
on
the
way
to
the
point
of
departure
or
after
departure
of
the
Trip;
Trip
Interruption
also
means
any
change
to
the
date
and
time
of
pre-scheduled
un-canceled
travel
arrangements
We, Us and Our
– Federal Insurance Company
You or Your
– the Covered Person
Additional Provisions
•
We have a right to examine under oath the Insured Person or the
beneficiary. We may also require the Insured Person or the beneficiary to
provide a signed description of the circumstances surrounding the Loss
and their interest in the Loss. The Insured Person and the beneficiary will
also produce all records and documents requested by Us and will permit
Us to make copies of such records or documents. In the event of a claim
under this policy, the Insured Person or the beneficiary, if applicable, must
fully cooperate with Us in Our handling of the claim, including, but not
limited to, the timely submission of all medical and other reports, and full
cooperation with all physical examinations and autopsies that We may
require. If We are sued in connection with a claim under this policy, then
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the Insured Person or the beneficiary must fully cooperate with Us in the
handling of such suit. Your financial institution and/or its affiliates, the
Insured Person or the beneficiary must not, except at their own expense,
voluntarily make any payment or assume any obligation in connection with
any suit without Our prior written consent.
•
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 three (3) 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 information is a brief description of the important features of this
insurance plan. It is not an insurance contract. Insurance benefits are
underwritten by Federal Insurance Company. Coverage may not be
available in all states or certain terms may be different where required by
state law.
•
While a claim is pending, We have the right, at Our expense, to: 1) have
the person who has a Loss examined by a Physician when and as often
as We feel is necessary; and 2) make an autopsy in case of death where
it is not forbidden by law.
For more information about the benefit described in this Guide to Benefits,
call the Benefit Administrator at 1-844-288-2141.
Travel Accident Insurance
You, Your Spouse and Your Dependent Children are covered when Your name
is embossed on an eligible Card issued in the United States, and You charge all
or a portion of a Scheduled Airline fare to Your Credit Card Account and/or
Rewards programs associated with Your Account.
What Are The Benefit Amounts?
Coverage
Loss of Life Benefit
Amount per Insured
Person
Common Carrier Travel Accident
Insurance
$500,000.00
The policies will pay the following percentages of the Loss of Life benefit amount
for specific Losses:
Loss
Percentage of Loss of
Life Benefit Amount
Loss of Life; Loss of Speech and Loss of
Hearing; Loss of Speech and Loss of one
Hand, Loss of Foot or Loss of Sight of One
Eye; Loss of Hearing and one Loss of
Hand; Loss of Foot or Loss of Sight of One
Eye; Loss of Both Hands; Loss of Both
Feet; Loss of Sight or a combination of
any two of a Loss of Hand, Loss of Foot or
Loss of Sight of One Eye
100%
Loss of One Hand; Loss of One Foot; Loss
of Sight of One Eye(any one of each); Loss
of Speech or Loss of Hearing
50%
Loss of Thumb and Index Finger of the
same hand
25%
If more than one Insured Person covered under the same Account suffers a Loss
in the same Accident, the Company will not pay more than three (3) times the
applicable Benefit Amount (the aggregate limit of insurance). If an Accident
results in Benefit Amounts becoming payable, which when totaled, exceed three
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
(3) times the applicable Benefit Amount, the aggregate limit of insurance will be
divided proportionally, based on applicable benefit amounts owed to all covered
persons.
All benefits, except for Loss of Life, are paid to You. Loss of Life benefits are paid
to the beneficiary at the time of death. If the Insured Person has not chosen a
beneficiary or if there is no beneficiary alive when the Insured Person dies, then
the Company will pay the benefit to the Insured Person’s survivors in the following
order: 1) Your Spouse or domestic partner; 2) Your child(ren); 3) Your parents; 4)
Your brothers and sisters; and 5) Your estate. You have the right to name a
beneficiary. Beneficiary designations must be submitted in writing to the Benefit
Administrator. If any beneficiary has not reached the legal age of majority, then
the Company will pay such beneficiary’s legal guardian for the benefit of the minor
beneficiary.
What Losses Are Covered Under The Common Carrier Travel
Accident Benefit?
Common Carrier Travel Accident Insurance provides coverage for a broad
range of Losses – including Accidental Loss of Life, Limb, Sight, Speech or
Hearing – that occur while riding as a passenger in, entering, or exiting any
Common Carrier. Coverage also extends to cover You while 1) You are riding
as a passenger, entering, or exiting any Conveyance licensed to carry the
public for hire or 2) any Courtesy Transportation provided without a specific
charge and while traveling to and from the airport, terminal, or station: a)
immediately preceding the departure of the scheduled Common Carrier on
which You have purchased passage; or b) immediately following the arrival of
the scheduled Common Carrier on which You were a passenger; or 3) while at
the airport, station, or terminal at the beginning or end of a Common Carrier
Covered Trip.
A Common Carrier is any motorized land, water, or air Conveyance operated
by an organization, structured and licensed for the transportation of
passengers for hire, and operated by an employee of such organization or an
individual under contract.
If the purchase of the Common Carrier passenger fare is not made prior to
Your arrival at the airport, terminal, or station, coverage will begin at the time
a portion of the cost of the Common Carrier passenger fare is charged to
Your Account.
For Common Carrier Travel Accident Insurance, the following applies:
•
If, due to an Accident, You have not been found within one (1) year of
the disappearance, stranding, sinking, or wrecking of any Conveyance
in which You were an occupant at the time of the Accident, then it will
be assumed that You have suffered a Loss of Life while insured under
the policy.
•
If, due to an Accident, You are unavoidably exposed to the elements
and as a result of this exposure suffer a Loss, this will be covered
under the policy.
In order to be covered under this policy, the Loss must occur within
one (1) year after the Accident.
What’s Not Covered?
The Travel Accident Insurance does not apply to any Accident, Accidental
Bodily Injury, or Loss caused by or resulting from, directly or indirectly:
•
The Insured Person 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
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•
The 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 or diagnosis
thereof; this exclusion does not apply to the Insured Person’s bacterial
infection caused by an Accident or by Accidental consumption of a
substance contaminated by bacteria
•
The Insured Person’s commission or attempted commission of any
illegal act including but not limited to any felony
•
Any occurrence while the Insured Person is incarcerated
•
The Insured Person participating in parachute jumping from an aircraft
•
The Insured Person being intoxicated at the time of the Accident
•
The Insured Person being under the influence of any narcotic or other
controlled substance at the time of the Accident
•
The Insured Person participating in military action while in active military
service with the armed forces of any country
•
The Insured Person traveling or flying on any aircraft engaged in flight on
a rocket-propelled or rocket-launched aircraft
•
The Insured Person’s suicide, attempted suicide, or intentionally self-
inflicted injury
•
A declared or undeclared War
How Do You File a Claim?
Follow these simple steps to file Your claim:
Call the Benefit Admini
strator
at 1-844-288-2141
within
twenty (20) days of the
date of Your Accident or Loss or as soon as reasonably possible.
1. Notice must include enough information to identify the Insured
Person. Failure to give Claim Notice within
twenty (20) days
will
not invalidate or reduce any otherwise valid claim if notice is given
as soon as reasonably possible.
2. When We receive notice of a claim We will, within
fifteen (15)
days
, send the Insured Person or the Insured Person’s designee
forms for giving proof of loss to Us. If the Insured Person or the
Insured Person’s designee does not receive the forms, then the
Insured Person or the Insured Person’s designee should send Us a
written description of the Loss. This written description should
include information detailing the occurrence and extent of the Loss
for which the claim is made.
3. Return the completed and signed claim form and requested
documentation to the Benefit Administrator within
ninety (90) days
of Your date of Loss.
What Documents Will You Need To Provide?
The Benefit Administrator will provide the details, but generally You should be
prepared to send:
•
Completed and signed claim form
•
Travel itinerary
•
Police report confirming the claimed Accident
•
Your Credit Card statement (showing the last four (4) digits of the Account
number) reflecting the charge for the Common Carrier or Scheduled
Airline fare
•
Copy of the death certificate
Definitions
Accident or Accidental
– a sudden, unforeseen, and unexpected event which a)
happens by chance; b)
arises from a source external to an Insured Person; c) is
independent of illness, disease or other bodily malfunction or medical or surgical
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or physically challenged, is permanently incapable of self-support and
permanently
dependent
on
the
Insured
Person
for
support and
maintenance.
The incapacity
must
have
occurred
while
the
child
was:
1)
under
the
age
of
nineteen (19);
or
2)
under the
age
of
twenty-five
(25)
if
enrolled
as
a
full-time
student
at
an
institution
of
higher
learning
treatment thereof; d) occurs while You are insured under the benefit while it is in
effect;
and
e)
is
the
direct
cause
of
Loss
Account
–
Your
Credit
Card
Account
Cardholder
– an individual to whom a Credit Card has been issued by USAA
Federal Savings Bank or USAA Savings Bank
Common
Carrier
-
any
motorized
land,
water
or air
Conveyance,
operated
by
an organization
other than
the policyholder,
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
sight-seeing
tours
or
any
Conveyance
used
for
recreational
activities.
Common Carrier Covered Trip
- travel on a Common Carrier when You pay
any portion of the fare for such transportation with Your Account and/or Rewards
programs associated with Your Account
Commutation
-
travel
between
the
Insured
Person's
residence
and
regular
place of
employment
Company
- Federal Insurance Company
Conveyance
-
any motorized craft, vehicle or mode of transportation licensed or
registered by
a governmental
authority
with
competent
jurisdiction
Courtesy Transportation
- transportation provided without a specific charge
by
a
rental
car
agency,
airport or
hotel
which
transports
an
Insured
Person
from
the
airport or
station
to
the
rental
car
agency
or hotel
or from
the
rental
car
agency
or hotel
to
the
airport or
station
Credit
Card
–
Your credit
card issued
by
USAA
Federal
Savings
Bank or USAA
Savings Bank
Dependent
– a Dependent Child, Spouse, or domestic partner of the Primary
Insured Person
Dependent
Child
–
the 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
the
Primary Insured
Person.
The Dependent
Child must: 1) be under the age of twenty-four (24); 2) be unmarried; 3) have no
dependents; 4) not be covered under
any other
group
or individual health
benefits
plan; or 5) be
classified
as an Incapacitated
Dependent
Child
Immediate Family Member
–
an individual with any of the following
relationships to
the
Insured
Person:
Spouse,
and
parents
thereof;
sons
and
daughters, including
adopted
children and
stepchildren;
parents,
including
stepparents; brothers
and
sisters;
grandparents
and
grandchildren;
aunts
or
uncles; nieces
or
nephews;
and
domestic
partner and
parents
thereof, including
domestic partners
and
spouses
of
any individual of
this definition. Immediate
Family Member
also
includes
legal guardians
or
wards
Incapacitated
Dependent Child
–
a child who, as
a
result
of being
mentally
Insured Person
-
You, as the Primary Insured Person, Your Spouse and/or
Your Dependent
Child(ren)
traveling
with
You
on
a
Covered
Trip
Loss
–
the
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
-
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
–
the
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
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necessary, then We will not pay an additional Benefit Amount for such
amputation
Loss of Hearing
– the 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
- death, including clinical death, as determined by the local
governing medical authority where such death occurs within three hundred sixty-
five (365) days after an Accident
Loss of Sight
– the 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
– the 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
-
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
- 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
- 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 You, Your Traveling
Companion, or Your or Your Traveling Companion’s Immediate Family Member,
Your or Your Traveling Companion’s employer or business partner, or an
Immediate Family Member of Your or Your Traveling Companion’s employer or
business partner, a massage therapist, a physical therapist
Primary
Insured
Person
-
the
Cardholder
Rewards
-
points,
miles,
cash
Rewards,
or
any
other
type
of
redeemable
Rewards,
as
well
as
any
redeposit
fees
charged
by
a
Rewards
administrator,
provided
that
all
Rewards
have
been
accumulated
through
a
credit
card rewards
program
offered
by
USAA
Federal
Savings
Bank and/or USAA Savings Bank
Scheduled
Air
Covered
Trip
-
travel
on
a
Scheduled
Airline
when
any
portion
of
the
fare
for such
transportation
has
been
charged
to
Your
Account
issued
by
USAA
Federal
Savings
Bank or USAA Savings Bank
; Scheduled
Air
Covered
Trip also means
travel
on a Scheduled
Airline
when
free
flights
have
been
awarded
from frequent
flier or points
programs
provided
that
all
of the miles or
Rewards were accumulated
from
a Rewards
program
offered
by
USAA
Federal
Savings Bank
and/or
USAA Savings Bank
; the trip must:
1) occur while the
insurance is in- force, 2)
be to a destination that is more than one (1) mile from
Your primary
residence, and 3)
not exceed thirty-one (31) days in duration
Scheduled Airline
- an airline which is either: 1) registered and certified by the
Government of the United States of America to carry passengers on a regularly
scheduled basis; or 2) registered and certified by any other governmental
authority with competent jurisdiction to carry passengers on a regularly
scheduled basis
Spouse
- Your husband or wife who is recognized as such by the laws of the
jurisdiction in which You reside; Spouse includes domestic partners or Insured
Persons joined by civil unions where applicable by law
War
- hostilities following a formal declaration of War by a governmental
authority; in the absence of a formal declaration of War by a governmental
authority, armed, open and continuous hostilities between two (2) countries or
armed, open and continuous hostilities between two (2) factions, each in control
of territory or claiming jurisdiction over the geographic area of hostility
We, Us and Our
- Federal Insurance Company
You
or
Your
-
the
Insured
Person
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Additional Provisions
•
We have a right to examine under oath, the Insured Person or the
beneficiary. We may also require the Insured Person or the beneficiary to
provide a signed description of the circumstances surrounding the Loss and
their interest in the Loss. The Insured Person and the beneficiary will also
produce all records and documents requested by Us and will permit Us to
make copies of such records or documents. In the event of a claim under
this policy, the Insured Person or the beneficiary, if applicable, must fully
cooperate with Us in Our handling of the claim, including, but not limited to,
the timely submission of all medical and other reports, and full cooperation
with all physical examinations and autopsies that We may require. If We are
sued in connection with a claim under this policy, then the Insured Person
or the beneficiary must fully cooperate with Us in the handling of such suit.
USAA Federal Savings Bank and/or its affiliates, the Insured Person or the
beneficiary must not, except at their own expense, voluntarily make any
payment or assume any obligation in connection with any suit without Our
prior written consent.
•
While a claim is pending, We have the right, at Our expense, to: 1) have the
person who has a Loss examined by a Physician when and as often as We
feel is necessary; and 2) make an autopsy in case of death where
it is not forbidden by law.
•
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 three (3) 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 information is a brief description of the important features of this
insurance plan. It is not an insurance contract. Insurance benefits are
underwritten by Federal Insurance Company. Coverage may not be
available in all states or certain terms may be different where required
by state law.
For more information about the benefit described in this Guide to
Benefits, call the Benefit Administrator at 1-844-288-2141.
Travel and Emergency Assistance Services
Emergencies can escalate quickly when You are traveling away from home.
Something that is relatively straight forward when You are not traveling, like
replacing prescription medication, can be a difficult task when You are dealing
with local laws or language barriers.
Travel and Emergency Assistance Services are made available to help You in
case of an emergency while You are traveling away from home. The Benefit
Administrator, available 24 hours a day, 365 days a year, can connect You with
the appropriate local emergency and assistance resources available.
Please note that due to occasional issues such as distance, location, or
time, neither the Benefit Administrator nor its service providers can be
responsible for the availability, use, cost, or results of any medical, legal,
transportation, or other services.
What are Travel and Emergency Assistance Services and how do I use
these services when I need them?
Travel and Emergency Assistance Services are made available to You, if You
are a cardholder of an eligible card issued in the United States. Your spouse and
children (dependents under 22 years old) are also eligible to use these services.
Travel and Emergency Assistance Services 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.
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Definitions
844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141 ● 844.288.2141
To use the services, simply call the toll-free, 24-hour Benefit Administrator line at
1-844-288-2141.
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.
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
credit card issued by USAA Federal Savings
Bank or USAA Savings Bank.
USAA_DOCUMENT_BREAKUSAA_DOCUMENT_BREAK
For more information about the benefit described in this Guide to Benefits,
call the Benefit Administrator at 1-844-288-2141, or call collect outside the
U.S. at 1-804-673-1675.
Additional Provisions
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. The benefits described in this Guide to Benefits will not apply to
cardholders whose accounts have been suspended or cancelled.
Account and Billing Information
Important: Contact your card-issuing financial institution directly for questions
concerning your account, such as account balance, credit line, billing inquiries
(including transaction exchange rates), merchant disputes or information about
additional services not described in this Guide to Benefits. Your financial
institution’s phone number should be available on your monthly billing statement
or on the back of your card.
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844.288.2141 • 844.288.2141 • 844.288.2141 • 844.288.2141 • 844.288.2141
Benefit Administrator
: 844.288.2141
USAA Credit Card Services: 800.531.USAA (8722)
USAA Lost or Stolen Credit Card: 866.550.LOST
(5678)
134802-0624
