BMO Harris 
Credit Cards

BMO Harris
Premium Credit Cards

Guide to Benefits

BMO Harris Bank Premium Rewards Mastercard®

BMO Harris Premier Services Premium Rewards Mastercard®

Important information. Please read and save. 

2

Guide to Benefits3

BMO Harris Premium Credit CardsImportant information. Please read and save. 
This Guide to Benefits contains detailed information about 
insurance and retail protection services you can access as a 
preferred cardholder. This Guide supersedes any guide or 
program description you may have received earlier. 
To file a claim or for more information on any of these services, 
call the Mastercard Assistance Center at 1-800-Mastercard: 
1-800-627-8372, or en Español: 1-800-633-4466. 

“Card” refers to World Mastercard® card and “Cardholder”  
refers to a Mastercard® cardholder. 

Key Terms
Throughout this document, You and Your refer to the cardholder or authorized 
user of the covered card. We, Us, and Our refer to New Hampshire Insurance 
Company, an AIG company. Other words and phrases that appear in bold 
have special meaning. 
Administrator means Sedgwick Claims Management Services, Inc. 
You may contact the administrator if you have questions regarding this 
coverage or would like to make a claim. The administrator can be reached 
by phone at 1-800-Mastercard.
Assistance Center means the designated assistance teams trained to 
provide customer services and coordination of qualified local providers to 
travelers in real time.
Authorized driver(s) means a driver with a valid driver’s license issued 
from their state of residence and indicated on the rental agreement.
Authorized user means an individual who is authorized to make purchases 
on the covered card by the cardholder and is recorded by the participating 
organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the 
participating organization for the covered card.
Carry-on luggage means suitcases or other containers specifically 
designated for carrying personal property, which are carried on board a 
common carrier by you.
Checked luggage means suitcases or other containers specifically 
designated for carrying personal property, for which a claim check has 
been issued to you by a common carrier.
Common carrier means an air, land, or water motorized transportation carrier 
operating under a regularly published schedule and current license as required 
by law for the conveyance of passengers. Common carrier does not include 
helicopters, taxis rental cars, hired cars, and private and contract carriers.
Covered card means the active and valid World Mastercard-branded payment card.
Damage means items that can no longer perform the function they 
were intended to do in normal service due to broken parts, material 
or structural failures.
Eligible cellular wireless telephones means the cellular telephones associated 
with the primary line and additional statement from a cellular provider for the 
billing cycle preceding the month in which the theft or damage occurred.
Eligible person means a cardholder who charges his or her monthly bill 
for an eligible cellular wireless telephone to his or her covered card. 

1

Guide to BenefitsNo person or entity other than the eligible person(s) described shall have 
any legal or equitable right, remedy or claim for the insurance proceeds 
arising out of this coverage.
Evidence of Coverage (EOC) means the summary of benefits set forth 
below which describe the terms, conditions, limitations and exclusions of 
the coverage provided to you at no additional charge under the group policy. 
Representations or promises made by anyone that are not contained in the 
group policy are not part of your coverage. In the event the EOC, Key Terms, 
or Legal Disclosures of this Guide to Benefits conflict with the provisions of 
the group policy, the terms of the group policy govern your coverage.
Family Member means the spouse or domestic partner of you. It includes 
unmarried children of you under nineteen (19) years of age. It also includes 
unmarried children under twenty-six (26) years of age if a full-time student 
at an accredited college or university.
Group policy means the cellular protection insurance policy entered between 
New Hampshire Insurance Company, an AIG company, and Mastercard 
Insurance Master Trust, which is the subject of this Guide to Benefits.
Injury means bodily injury caused by an accident that occurs while you are 
covered under this program, and results directly and independently of all 
other causes of loss. The injury must be verified by a physician.
Lost means luggage (including personal property contained within) that is 
missing for 10 consecutive days and whose whereabouts are unknown to 
you or the common carrier.
Mysteriously disappear means the vanishing of an item in an unexplained manner 
where there is absence of evidence of a wrongful act by a person or persons.
Rental agreement means the entire agreement or contract that you 
receive when renting a vehicle from a vehicle rental agency that describes 
in full all of the terms and conditions of  the rental, as well as the 
responsibility of all parties under the rental agreement.
Stolen means items that are taken by force and/or under duress or the 
disappearance of the item from a known place under circumstances that 
would indicate the probability of theft.     
United States Dollars (USD) means the currency of the United States 
of America.
Vehicle means a land motor vehicle with four wheels that is designed 
for use on public roads and intended for use on a bound surface such as 
concrete and tarmac. This includes minivans and sport utility vehicles that 
are designed to accommodate less than nine (9) passengers.

MasterRental
Various provisions in this document restrict coverage. Read carefully to 
determine all rights and duties and what is and is not covered. Please see the 
‘Key Terms’ section for the terms used throughout this benefit.

Evidence of Coverage 
This EOC replaces all prior disclosures, program descriptions, advertising, and 
brochures by any other party. We reserve the right to change the benefits and 
features of these programs at any time. Notice will be provided for any changes.

2

BMO Harris Premium Credit CardsPursuant to the below terms and conditions herein, when you rent a 
vehicle for thirty-one (31) consecutive days or less with your covered 
card, you are eligible for benefits hereunder.

A. To get coverage:
•  You must initiate and then pay for the entire rental agreement (tax, 

gasoline, and airport fees are not considered rental charges) with your 
covered card and/or the accumulated points from your covered card at 
the time the vehicle is returned. If a rental company promotion/discount 
of any kind is initially applied toward payment of the rental vehicle, at 
least one (1) full day of rental must be billed to your covered card.
•  You must decline the optional collision/damage waiver (or similar 

coverage) offered by the rental company.

•  You must rent the vehicle in your own name and sign the rental agreement.
•  Your rental agreement must be for a rental period of no more than 
thirty-one (31) consecutive days. Rental periods that exceed or are 
intended to exceed thirty-one (31) consecutive days are not covered.

B. The kind of coverage you receive:
We will pay for the following on a secondary basis:
•  Physical damage and theft of the vehicle, not to exceed the limits 

outlined below.

•  Reasonable loss of use charges imposed by the vehicle rental company for 
the period of time the rental vehicle is out of service. Loss of use charges 
must be substantiated by a location and class specific fleet utilization log.

•  Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not cover such 
things as personal injury, personal liability, or personal property. It does 
not cover you for any damages to other vehicles or property. It does not 
cover you for any injury to any party.

C. Coordination of Benefits:
When coverage hereunder is provided on a secondary basis and a 
covered loss has occurred, the order in which benefits are determined 
shall be made as follows:
1. You or an authorized driver’s primary auto insurance;
2. Collision/damage waiver provided to you by the rental agency;
3. Any other collectible insurance;
4. The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage 
has made payments for a covered loss, we will cover your deductible and 
any other eligible amounts, described under the kind of coverage you 
receive, not covered by the other insurance.
Note: In certain parts of the United States and Canada losses to rental 
vehicles that are covered by your personal vehicle liability insurance policy 
may not be subject to a deductible, which means that you may not be 
eligible to receive any coverage under this program. Contact your insurance 
provider for full coverage details pertaining to your personal vehicle 
liability insurance policy (or similar coverage).
If you do not have other insurance or your insurance policy does not cover 
you in territories or countries outside of the United States, coverage is 
considered primary coverage subject to any applicable economic and trade 
sanctions conditions.

3

Guide to BenefitsD. Who is covered:
The covered card cardholder and those designated in the rental 
agreement as authorized drivers.

E. Excluded Vehicles:
This coverage does not apply to any:
• Vehicles not required to be licensed.
•  All full-size vans mounted on truck chassis (including, but not limited 
to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other 
recreational vehicles.

•  Trailers, motorbikes, motorcycles, and any other vehicle having fewer 

than four (4) wheels.

•  Antique vehicles (vehicles that are more than twenty (20) years old or 
have not been manufactured for at least ten  (10) years), or limousines.

F. Where you are covered: 
Coverage is available worldwide; provided coverage is not available in 
countries where: 
• This EOC or the group policy is prohibited by that country’s law; or
•  The terms of the EOC or the group policy are in conflict with the laws 

of that country.

In addition, we shall not be deemed to provide coverage and we shall 
not be liable to pay any claim or provide any benefit under the group 
policy to the extent that the provision of such coverage, payment of such 
claim or provision of such benefit would expose us, our parent company 
or its ultimate controlling entity to any sanction, prohibition or restriction 
under United Nations resolutions or the trade or economic sanctions, laws 
or regulations of the European Union or the United States of America. 
Wherever coverage provided by this policy would be in violation of any 
economic or trade sanctions, such coverage shall be null and void.

G. Coverage limitations:
We will pay the lesser of the following:
•  Reasonable and customary charges of repair or the actual repair amount;
•  Wholesale market value less salvage and depreciation;
•  The rental agencies purchase invoice less salvage and depreciation;
•  The contractual liability assumed by you or an authorized driver of the 

rental vehicle; or

•  The actual cash value.
In addition, coverage is limited to $500 per incident for the reasonable loss 
of use charges imposed by the vehicle rental company for the period of 
time the rental vehicle is out of service. We will not pay for or duplicate 
the collision/damage waiver coverage offered by the rental agency. 

H. What is NOT covered:
This coverage does not apply to:
•  Any personal item actually or allegedly stolen from the interior or 

exterior of rental vehicles.

•  Vehicle keys or portable Global Positioning Systems (GPS).
•  Vehicles not rented by the cardholder or authorized user on the covered card.
•  Any person not designated in the rental agreement as an authorized driver.
•  Any obligations you assume other than what is specifically covered under 
the rental agreement or your personal vehicle liability insurance policy or 
other indemnity policy.

4

BMO Harris Premium Credit Cards•  Any actual or alleged violation of the written terms and conditions of the 

rental agreement.

•  Any actual or alleged loss that occurs while driving under the influence 

of drugs or alcohol.

•  Any actual or alleged loss associated with racing or reckless driving.
•  Any actual or alleged losses involving the theft of the rental vehicle 

when you or an authorized driver cannot produce the keys to the rental 
vehicle at the time of reporting the incident to the police and/or rental 
agency, as a result of negligence. Loss of keys is considered negligence.

•  Mechanical failures caused by wear and tear, gradual deterioration, or 

mechanical breakdown.

•  Subsequent damages resulting from a failure to protect the rental vehicle 

from further damage.

•  Blowouts or tire/rim damage unless caused by theft, vandalism or 

vehicle collision.

•  Rental vehicles where collision/damage waiver coverage (or similar 

coverage) was accepted/purchased by you.

•  Any damage that is of an intentional or non-accidental nature, caused by 

you or an authorized driver of the rental vehicle.

•  Depreciation, diminishment of value, administrative, storage, or other 

fees charged by the vehicle rental company.

•  Vehicles with a rental agreement that exceeds or is intended to exceed a 
rental period of thirty-one (31) consecutive days from a rental agency.

•  Losses resulting from any kind of alleged or actual illegal activity.
•  Damage sustained on any road not regularly maintained by a municipal, 

state, or federal entity.

•  Losses as a result of war or hostilities of any kind (including, but 
not limited to, any actual or alleged invasion, terrorism, rebellion, 
insurrection, riot, or civil commotion); confiscation or damage by any 
government, public authority, or customs official; risks of contraband; 
illegal activity or acts.

•  Any loss involving the rental vehicle being used for hire, for commercial 

use, or as a public or livery conveyance.

•  Theft of, or damage to, unlocked or unsecured vehicles.
•  Value-added tax, or similar tax, unless reimbursement of such tax is 

required by law.

•  Vehicles rented on a monthly basis.
•  Loss arising from any items not installed by the original manufacturer.
•  Loss arising from any inherent damage.
•  Damage to windshields which is not the result of a collision or 

roll-over (damage to a windshield is covered if such damage is due 
to road debris or road hazard).
•  Vehicle leases or mini-leases.
•  Indirect or direct damages resulting from a covered claim.
•  Charges for gasoline or airport fees.

I. How to file a claim:
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a 

claim. You must report the claim within sixty (60) days of the loss or the 
claim may not be honored.

5

Guide to Benefits•  You may choose to assign your benefits under this insurance program to 
the rental agency from which you rented your vehicle. Please contact us 
or our administrator for further details.

•  You must submit the following proof of claim documentation 

within one hundred and eighty (180) days of the incident or the 
claim will not be covered:
	- Receipt showing the vehicle rental charge.
	- Statement showing the vehicle rental charge.
	- The rental agreement (front and back).
	- Copy of your valid driver’s license (front and back). 
	- Copy of the declarations page of any personal vehicle liability 
insurance policy and/or other valid insurance or coverage.

	- Police report when the vehicle is stolen, vandalized (regardless of the 
damage), or involved in a collision that requires the vehicle; to be 
towed, in a multi-vehicle collision, or the vehicle is not drivable.

	- Itemized repair estimate from a factory registered collision repair facility.
	- Copy of any vehicle rental company promotion/discount, if applicable.
	- Copy of the vehicle rental location class specific fleet utilization log, 
if loss of use charges are being claimed. You must secure this log 
from the rental agency.

	- Any other documentation that may be reasonably requested by us or 

our administrator to validate a claim.

Lost or Damaged Luggage
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words 
that appear in bold and Legal Disclosures.

A. To get coverage:
You must pay the entire cost of the common carrier ticket(s) with your 
covered card and/or accumulated points from your covered card.

B. The kind of coverage you receive:
•  Reimbursement for the actual cost of repairing or replacing your checked 
or carry-on luggage and personal property contained therein that is lost 
or damaged.

•  Coverage begins when the luggage is checked in or carried on to the 
common carrier by you. This includes curbside check in with facility-
designated personnel.

•  Coverage ends each time you regain possession of the checked luggage 
from, or carry the luggage off  of the common carrier or twenty-four (24) 
hours after you depart from the common carrier, whichever comes first.
•  Coverage is secondary to any other applicable insurance or coverage 
available to you including benefits provided by the common carrier  
(including, but not limited to, goodwill payments, refunds, credit/
vouchers). Coverage is limited to only those amounts not covered by any 
other insurance or coverage, or common carrier benefits (including, but 
not limited to, goodwill payments, refunds, credit/vouchers).

C. Coverage limitations:
Coverage is limited to the actual cost, up to $1,500 per incident of 
repairing or replacing your checked and/or carry-on luggage and any 

6

BMO Harris Premium Credit Cardspersonal property contained within. There is a maximum of two (2) 
claim(s) per twelve (12) month period.

D. Where you are covered:
Coverage applies worldwide.

E. What is NOT covered:
•  Loss or damage of luggage or personal property for regularly scheduled 

short-distance travel under one hundred (100) miles.

•  Loss or damage resulting from any dishonest, fraudulent, or criminal act 

committed or arranged by you.

•  Loss resulting from war or hostilities of any kind (including, but not 
limited to, invasion, terrorism, rebellion, insurrection, riot, or civil 
commotion); confiscation, expropriation or detention by any government, 
public authority, or customs official; illegal activity or acts.

•  Loss resulting from contamination by radioactive or hazardous substances, 

including mold.

•  Sporting equipment or musical instruments, unless checked in as luggage 
with the common carrier and for which a claim check has been issued.
•  Electronic equipment (including, but not limited to, laptops, PDAs, video/

film cameras, or hearing aids).

•  Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, 

household furniture, or documents (including, but not limited to, visas and IDs).

•  Plants, shrubs, animals, consumables, and perishables.
•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, 
concerts, or lottery), negotiable instruments, bullion, rare or precious 
metals, stamps, and coins, currency or its equivalent.

•  Jewelry, art, used or antique items; collectibles of any kind (such as items 

designed for people to collect or items that over time become collectibles); 
recycled, previously owned, refurbished, rebuilt, or remanufactured items.
•  Defective material or workmanship, ordinary wear and tear or normal 

deterioration.

•  Loss or damage not reported within the time period required, as 

stipulated in the claim procedure.

•  Loss or damage where the common carrier completely denies a claim 

for checked and/or carry-on luggage.

•  Items excluded under the common carrier’s coverage 

(except carry-on luggage).

•  Loss or damage where the common carrier pays the claim in full or 

repairs the damage.

•  Interest or conversion fees that are charged to your covered card by 

the financial institution.

F. How to file a claim:
•  Visit www.mycardbenefits.com or call 1-800-Mastercard to open a 

claim. You must report the claim within sixty (60) days of the incident or 
the claim may not be honored.

•  Report within twenty-four (24) hours any loss or damage to the 

common carrier.

•  Submit the following documentation within one hundred and eighty 
(180) days of the date of incident or the claim may not be honored:

7

Guide to Benefits	- Receipt showing the purchase of common carrier tickets.
	- Statement showing the purchase of common carrier tickets.
	- Copy of initial claim report submitted to the common carrier.
	- Covered card travel point program statement showing the common 

carrier ticket was paid for with redeemed points.

	- Report from police, if applicable.
	- The result of any settlement by the common carrier.
	- Receipts showing that your luggage or personal property has actually 

been repaired or replaced.

	- Any other documentation that may be reasonably requested by us or 

our administrator to validate a claim.

Purchase Assurance
Various provisions in this document restrict coverage. Read carefully to 
determine all rights and duties and what is and is not covered. Please see the 
‘Key Terms’ section for the terms used throughout this benefit. 

Evidence of Coverage
Pursuant to the below terms and conditions, when an item you bought 
with your covered card is damaged or stolen within ninety (90) days of 
purchase, you may be eligible for benefits under this coverage.

A. To get coverage:
You must purchase the new item entirely with your covered card and/or 
accumulated points from your covered card for yourself or to give as a gift.

B. The kind of coverage you receive: 
•  Most items you purchase entirely with your covered card are covered 

if damaged or stolen for ninety (90) days from the date of purchase as 
indicated on your covered card’s receipt.

•  Items you purchase with your covered card and give as gifts also are covered.
•  This coverage is secondary to any other applicable insurance or coverage 
available to you or the gift recipient. Coverage is limited to only those 
amounts not covered by any other insurance or coverage benefit.

C. Coverage limitations: 
•  Coverage is limited to the lesser of the following: 

- The actual cost of the item (excluding delivery and transportation costs). 
-  A maximum of $1,000 per loss and a total of $25,000 per cardholder 

account per twelve (12) month period.

•  Purchases that are made up of a pair or set will be limited to the cost 
of repair or replacement of the specific item stolen or damaged. If the 
specific item cannot be replaced individually or repaired, the value of the 
pair or set will be covered not to exceed the limits above.

•  Coverage for actual or alleged stolen or damaged jewelry or fine art 

will be limited to the actual purchase price as listed on your cardholder 
statement, regardless of sentimental or appreciated market value.

•  We shall not be deemed to provide coverage and we shall not be liable 
to pay any claim or provide any benefit under the group policy to the 
extent that the provision of such coverage, payment of such claim or 
provision of such benefit would expose us, our parent company or its 
ultimate controlling entity to any sanction, prohibition or restriction under 
United Nations resolutions or the trade or economic sanctions, laws 

8

BMO Harris Premium Credit Cardsor regulations of the European Union or the United States of America. 
Wherever coverage provided by this policy would be in violation of any 
economic or trade sanctions, such coverage shall be null and void.

D. What is NOT covered: 
This coverage does not apply to: 
•  Items left in public sight, out of arm’s reach, lacking care, custody or 

control by the cardholder.

•  Lost items, and items that mysteriously disappear (the only proof 

of loss is unexplained or there is no physical evidence to show what 
happened to the item) without any evidence of a wrongful act.
•  Items that are actually or allegedly stolen from any location or place 

(including, but not limited to, exercise facilities, places of employment, schools, 
or places of worship) due to the lack of due diligence by you or another party.
•  Items lost, stolen, damaged, or mis-delivered while under the care, custody, 
and control of another party or common carrier (including, but not limited 
to, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).
•  Losses due to normal wear and tear, misuse, gradual deterioration, and/

or abuse.

•  Losses resulting from any dishonest, fraudulent, or criminal act 

committed or arranged by you.

•  Losses that cannot be verified or substantiated.
•  Items covered by a manufacturer’s recall or class action suit.
•  Items that you damage through alteration (including, but not limited to, 

cutting, sawing, shaping).

•  Used or antique items; collectibles of any kind (such as items designed 

for people to collect or items that over time become collectibles); 
recycled, previously owned, refurbished, rebuilt, or remanufactured items.

•  Stolen items without a documented report from law enforcement.
•  Items that are damaged during transport via any mode.
•  Items stolen from the interior or exterior of a watercraft/boat, aircraft, 

motorcycle, automobile or any other motor vehicles.

•  Motorized vehicles, including, but not limited to, automobiles, watercraft/

boats, aircraft, and motorcycles, or their motors, equipment, or accessories. 
Motorized equipment not designed for transportation and used solely for the 
upkeep and maintenance of a residence is eligible for coverage (including, 
but not limited to, snow thrower, lawn mowers, and hedge trimmers).

•  Land, any buildings (including, but not limited to, homes and dwellings), 

permanently installed items, fixtures, or structures.

•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, 
concerts, or lottery), negotiable instruments, bullion, rare or precious 
metals, stamps, and coins, currency or its equivalent.

•  Losses caused by insects, animals, or pets.
•  Plants, shrubs, animals, pets, consumables, and perishables.
•  Items purchased for resale, rental, professional, or commercial use.
•  Professional services (including, but not limited to, the performance or 

rendering of labor or maintenance; repair or installation of products, goods, 
or property; professional advice of any kind, including, but not limited to, 
information/services or advice secured from any help or support line; or 
technical support for software, hardware, or any other peripherals).

•  Application programs, computer programs, operating software, 

and other software.

9

Guide to Benefits•  Losses resulting from war or hostilities of any kind (including, but 
not limited to, invasion, terrorism, rebellion, insurrection, riot, or 
civil commotion); confiscation or damage by any government, public 
authority, or customs official; risks of contraband; illegal activity or acts.
•  Losses caused by power surge, contamination by radioactive or hazardous 

substances, including mold.

•  Direct or indirect loss resulting from any Acts of God (including, but not 

limited to, flood, hurricane, lightning, and earthquake).

•  Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
•  Game animals, pets, or specimens preserved for display (e.g., fish, birds, 

reptiles, or mammals).

•  Items actually or allegedly stolen or damaged at a new home 

construction site.

•  Rented, leased, or borrowed items for which you will be held responsible.
•  Trip, service, or diagnostic charges in the absence of any covered repairs 

or verified failure.

•  Any shipping charges, transportation and delivery charges, or promised 

time frames for delivery, whether or not stated or covered by the 
manufacturer’s warranty.

•  Interest or conversion fees that are charged to you on the covered card 

by the corresponding financial institution.

E. How to file a claim: 
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a 

claim. You must report the claim within sixty (60) days of the loss or the 
claim may not be honored.

•  You must submit the following documentation within one hundred and 

eighty (180) days of the date you report the claim:
- Repair estimate for damaged item(s).
-  Photograph clearly showing damage, if applicable.
-  Receipt showing purchase of covered item(s). 
-  Statement showing purchase of covered item(s). 
-  Report from police listing any items stolen.
-  Copy of the declarations page of any applicable insurance policy(ies) or 
protection (including, but not limited to, homeowner’s, renter’s, or auto 
insurance policy(ies)).

-  Any other documentation that may be reasonably requested by us or 

our administrator to validate a claim.

Legal Disclosure 
Please see the ‘Legal Disclosure’ section for all disclosures for this benefit.

Extended Warranty
Evidence of Coverage 
Refer to Key Terms for the definitions of you, your, we, us, our, and words 
that appear in bold and Legal Disclosures.

A. To get coverage: 
•   You must purchase the new item entirely with your covered card and/or 

accumulated points from your covered card for yourself or to give as a gift.

•   The item must have an original manufacturer’s (or U.S. store brand) 

warranty of twenty-four (24) months or less.

10

BMO Harris Premium Credit CardsB. The kind of coverage you receive: 
•  Extended warranty doubles the original manufacturer’s warranty up to 
a maximum of twenty-four (24) months on most items you purchase. 
For products with multiple warranty components, each warranty time 
period will be extended up to a maximum of twenty-four (24) months. 
An example of a product with multiple warranty components includes an 
appliance with original manufacturer’s (or U.S. store brand) warranties 
that differ for parts, labor, compressor, etc.

•  If you purchase a service contract or an optional extended warranty of 
twenty-four (24) months or less on your item, we will cover up to an 
additional twenty-four (24) months after both the original manufacturer’s (or 
U.S. store brand) warranty and the purchased service contract or extended 
warranty coverage period end. If your service contract or extended warranty 
exceeds twenty-four (24) months, this coverage does not apply.

•  If you do not have an additional service contract or an optional extended 
warranty, this extended warranty benefit commences the day after your 
original manufacturer’s (or U.S. store brand) warranty expires.

C. Coverage limitations: 
•  The maximum benefit for repair or replacement shall not exceed the actual 

amount charged on your covered card or $10,000, whichever is less.

•  If either the original manufacturer’s (or U.S. store brand) warranty or the 
service contract covers more than twenty-four (24) months, this benefit 
will not apply.

•  We or our administrator will decide if a covered failure will be repaired or 

replaced, or whether you will be reimbursed up to the amount paid for the 
item. Items will be replaced with those of like kind and quality. However, 
we cannot guarantee to match exact color, material, brand, size, or model.

D. What is NOT covered: 
•  Used or antique items; collectibles of any kind (such as items designed 

for people to collect or items that over time become collectibles) that do 
not come with a manufacturer’s warranty (repair or replacement amount 
will not include market value at time of claim); recycled, previously 
owned, refurbished, rebuilt, or remanufactured items; product guarantees 
(e.g., glass breakage).

•  Floor models that do not come with an original manufacturer’s warranty.
•  Motorized vehicles, including, but not limited to, automobiles, watercraft/

boats, aircraft, and motorcycles, or their motors, equipment, or 
accessories. Parts, if purchased separately, may be covered.

•  Land, any buildings (including, but not limited to, homes and dwellings), 

permanently installed items, fixtures, or structures.

•  Plants, shrubs, animals, pets, consumables, and perishables.
•  Professional services (including, but not limited to, the performance or 

rendering of labor or maintenance; repair or installation of products, goods 
or property; professional advice of any kind, including, but not limited to, 
information/services or advice secured from any help or support line; or 
technical support for software, hardware, or any other peripherals.)

•  Application programs, operating software, and other software.
•  All types of media with stored data or music (including, but not limited to, 
computer software, DVDs, video cassettes, CDs, film and audio cassettes).
•  Any shipping charges, transportation and delivery charges, or promised 

time frames for delivery, whether or not stated or covered by the 
manufacturer’s warranty.

11

Guide to Benefits•  Direct or indirect loss resulting from any Acts of God (including, but not 

limited to, flood, hurricane, lightning, and earthquake).
•  Indirect or direct damages resulting from a covered loss.
•  Mechanical failure arising from product recalls.
•  Trip, service, or diagnostic charges in the absence of any covered repairs 

or verified failure.

•  Loss resulting from war or hostilities of any kind (including, but not 
limited to, invasion, terrorism, rebellion, insurrection, riot, or civil 
commotion); confiscation or damage by any government, public 
authority, or customs official; risks of contraband, illegal activity, or acts.

•  Mechanical failures caused by normal wear and tear or gradual 

deterioration where no failure has occurred.

•  Items purchased for resale, professional, or commercial use.
•  Mechanical failures caused by lack of maintenance/service.
•  Losses caused by power surge, contamination by radioactive or hazardous 

substances, including mold.
•  Physical damage to the item.
•  Any exclusion listed in the original manufacturer’s warranty.

E. How to file a claim: 
•  Visit www.mycardbenefits.com or call 1-800-Mastercard to open a 

claim. You must report the claim within sixty (60) days of the failure or 
the claim may not be honored.

•  Submit the following documentation within one hundred and eighty 
(180)  days from the date of failure or the claim may not be honored:
- Receipt showing covered item(s).
- Statement showing covered item(s).
- Itemized purchase receipt(s).
- Original manufacturer’s (or U.S. store brand) warranty.
- Service contract or optional extended warranty, if applicable.
- Itemized repair estimate from a factory authorized service provider.
-  Any other documentation that may be reasonably requested by us or 

our administrator to validate a claim.

Mastercard ID Theft Protection™
Program Description:
Mastercard ID Theft Protection (IDT) provides you with access to a number 
of identity iheft resolution services, should you believe you are a victim of 
identity theft. This product offering will alert you about possible identity 
theft by monitoring  the surface, dark and deep web, searching for 
compromised credentials and potentially damaging use of your registered 
personal information in order to detect fraud at its inception.

Eligibility:
All Mastercard consumer credit cardholders in the US are eligible for 
this coverage.

Access:
Simply contact 1-800-Mastercard if you believe you have been a victim 
of identity theft.

12

BMO Harris Premium Credit CardsServices provided:
Services provided are on a 24-hour basis, 365 days a year. In order 
to receive the following services, you must enroll at 
https://mastercardus.idprotectiononline.com/. The services include:
•  Online Monitoring Dashboard (requires activation): The online 

monitoring dashboard is the primary user interface for cardholders. It 
serves as a repository of all the personally identifiable information (PII) 
data the cardholder wants to monitor, tracks and displays cardholders’ 
risk score, and provides access to identity protection tips. It is also the 
platform for cardholders to respond to identity monitoring alerts.
•  Monthly Risk Alert/Newsletter: Cardholders will receive a monthly 

newsletter with information on the cardholder’s risk score, and articles 
pertaining to good identity protection practices.

•  Identity Monitoring: IDT searches the internet to detect compromised 
credentials and potentially damaging use of your personal information, 
and alerts you via email so that you can take immediate action. This 
platform utilizes automated monitoring and human threat intelligence 
from cyber operations agents monitoring threat actors and their tactics 
on the deep and dark web where personal data is bought and sold. 
Data elements that can be monitored are:

  - Email addresses
  - Debit/credit cards/prepaid cards
  - Bank accounts
  - Web logins; username and password
  - Medical insurance cards
  - Drivers’ license
  - Loyalty cards
  - Affinity cards
  - Passport number
  - Vehicle insurance cards
  - Social Security number
To take advantage of this service, the cardholder must enter the personal 
information they wish to monitor on the dashboard.
•  Resolution Services: You will have access to a team of identity theft 

resolution specialists, available 24 hours a day, 365 days a year to help 
resolve your identity theft incident and prevent further damage. The 
resolution specialists are native speakers of English, French and Spanish, 
and are based out of Bethesda, Maryland. Cardholders are given the 
option to sign limited power of attorney (LPOA) to the specialist, to allow 
them to conduct resolution activities on the cardholders’ behalf, including 
contacting police, credit agencies, and other authorities, translating 
information, and closing and replacing breached accounts.

•  Lost Wallet Assistance: Cardholders will be provided assistance with 

notifying the appropriate issuing authorities to cancel and replace stolen 
or missing items, such as their debit/credit cards, driver’s license, Social 
Security card, and passport.

•  Single Bureau Credit Monitoring: Cardholders’ TransUnion credit file will 
be monitored for changes that could indicate fraud such as new credit 
inquiries, an address change or new credit account(s) opened in their 
name. An alert notification via email will be sent anytime a hard inquiry 
is made on the cardholders’ TransUnion credit file so they can take 
immediate action to minimize damage. 

13

Guide to BenefitsTo take advantage of this service, the cardholder must enter their Social 
Security number on the dashboard and pass credit authentication.

•  Financial Account Takeover: IDT monitors cardholder’s high-risk transactions 

with more than 300 of the nation’s largest companies to uncover and 
thwart account takeover attempts. Monitored transactions include:

  - Debit/credit cards/prepaid cards
  - Bank accounts
  - Brokerage accounts
  - Healthcare portals
  - Workplace intranets
  - Other services (e.g., peer-to-peer fund transfers) 
   To take advantage of this service, the cardholder must enter the accounts 

they wish to protect on the dashboard.

•  URL and Domain Monitoring: URL and domain monitoring allows cardholder 
to enter up to 10 domain or URL names related to cardholder’s business. This 
service will monitor the domain and URL names for any compromised email 
addresses associated with the domain or URL names and if compromised 
email addresses are found in a data breach, this service will alert the 
registered cardholder via email and provide information regarding the 
specific email address that was breached along with information about the 
date found and source (provided that this information is available).
For more information regarding the services stated above and additional 
information, please visit https://mastercardus. idprotectiononline.com/.

Charges:
There is no charge for these services, they are provided by your 
financial institution.
Services not provided:
•  When it is determined you have committed any dishonest, criminal, 

malicious or fraudulent act.

•  When your financial institution or card issuer which provides this 

service, has investigated the event and deemed you are responsible 
for the charge or event.

•  When any theft or unauthorized use of an account by a person to whom 

the account has been entrusted has been committed.

Program Provisions for Mastercard ID Theft Protection:
This service applies only to you, the named Mastercard cardholder. You shall 
use due diligence and do all things reasonable to avoid or diminish any loss 
or damage to property protected by the program. The provider, Generali 
Global Assistance, relies on the truth of statement made in the affidavit or 
declaration from each cardholder. This service is provided to eligible Mastercard 
cardholders at no additional cost and is in effect for acts occurring while the 
program is in effect. The terms and conditions contained in this program Guide 
may be modified by subsequent endorsements. Modifications to the terms 
and conditions may be provided via additional Guide mailings, statement 
inserts, or statement messages. Mastercard or your financial institution can 
cancel or non-renew these services, and if we do, we will notify you at 
least thirty (30) days in advance. If the provider non-renews or cancels any 
services provided to eligible Mastercard cardholders, you will be notified 
within 30–120 days before the expiration of the service agreement. In the 
event substantially similar coverage takes effect without interruption, no 
such notice is necessary. For general questions regarding these services, 
please contact 1-800-Mastercard.

14

BMO Harris Premium Credit CardsTravel Assistance Services
Rely on Travel Assistance Services when you’re away from home.
Travel Assistance Services is your guide to many important services you 
may need when traveling. Benefits are designed to assist you or your travel 
companions when you’re traveling 50 miles or more from home.* This is 
reassuring, especially when visiting a place for the first time or not speaking 
the language. For services, call 1-800-Mastercard. Enrollment is automatic 
and the assistance service is free to cardholders. Please keep in mind that 
you will be responsible for the fees incurred for professional or emergency 
services requested of Travel Assistance Services (e.g., medical or legal bills).
*  Travel Assistance Services are available worldwide, with the exception of 
those countries and territories which may be involved in an international 
or internal conflict, or in those countries and territories where the 
existing infrastructure is deemed inadequate to guarantee service. You 
may contact us prior to embarking on a covered trip to confirm whether 
or not services are available at your destination(s).

MasterTrip® Travel Assistance:
Before you begin your trip, MasterTrip provides information on travel 
requirements including documentation (e.g., visas, passports), immunizations or 
currency exchange rates. The exchange rate provided may differ from the exact 
rate that issuers use for transactions on your card. Information on exchange 
rates for items billed on your statement should be obtained from the financial 
institution that issued your card. MasterTrip will also help you locate any lost 
or stolen travel materials, including luggage. This is not an insurance policy for 
lost/stolen luggage and we do not reimburse you for a permanent loss.

If you have a travel emergency and need cash, MasterTrip can arrange to 
transfer up to $5,000 from a family member, friend, or business account.
This service does not provide maps or information regarding road conditions.

Travel Services Medical Assistance:
Provides a global referral network of general physicians, dentists, hospitals 
and pharmacies. We can also help you refill prescriptions with local 
pharmacists (subject to local laws).
In the event of emergencies, a stateside physician or nurse can be contacted 
for consultation with the local medical staff and to monitor your condition. 
If you are hospitalized, we can arrange to have messages relayed home, 
transfer you to another facility if medically necessary, or have a family 
member or close friend brought to your bedside if you have been traveling 
alone (at cardholder’s expense). If a tragedy occurs, we’ll assist in securing 
travel arrangements for you and your travel companion(s).

MasterLegal® Referral Service:
This service provides you with English-speaking legal referrals or consults 
with appropriate embassies and consulates regarding your situation.
This service will assist in transfers up to $5,000 in cash from a family member, 
friend or business to cover legal fees or to post bail. There is no charge for 
referral services; however, legal and bail fees are your responsibility.

Master RoadAssist® Roadside Service:
(Available only when traveling in the 50 United States and the District 
of Columbia)
If your car breaks down on the road, just call 1-800-Mastercard and tell 

15

Guide to Benefitsus where you are. We’ll send someone to the rescue. This is not only 
reassuring, but it may also save you money because fees for many services 
(e.g., jumpstarts, towing, gas delivery, and tire changes) are pre-negotiated. 
Road service fees will be automatically billed to your Mastercard account.
You are responsible for emergency road service charges incurred by towing 
facilities responding to your dispatch, even if you are not with your vehicle 
(or it’s gone) when the tow truck arrives. Mastercard International is not 
responsible or liable for the service the towing facility provides. Towing 
facilities are independent contractors, solely liable for their services.
Emergency road service is not available in areas not regularly traveled, in 
“off road” areas not accessible by ordinary towing vehicles, or for over one-ton 
capacity trailers, campers or if you have a rental car, be sure to call the rental 
car agency before you call 1-800-Mastercard, as many rental agencies have 
special procedures regarding emergency road service assistance.

Mastercard Travel & Lifestyle Services 
As a World or World Elite Mastercard® cardholder, you have access to 
Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and 
upgrades, preferential treatment and premium travel offers from best-in-class 
travel companies across hotels, air travel, tours, cruises, car rentals and more*. 
Get the most from all your travels whether you are planning a last-minute 
getaway or your dream family vacation. As a Mastercard® cardholder, you 
have access to a lifestyle manager that will help you plan your vacation - 
complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take 
advantage of the Mastercard Lowest Hotel Rate Guarantee** and Mastercard 
Hotel Stay Guarantee*** which deliver value and peace of mind. 
 *  Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No 

travel bookings are being made by Mastercard, nor is Mastercard acting 
as a travel agency or providing any travel consultation or advice, in 
connection with Mastercard Travel & Lifestyle Services.

**  Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid 
hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard 
Travel & Lifestyle Services program either online or through an authorized 
program agent using your Mastercard and then find the same hotel room 
type, in the same hotel, for the same dates, the same number of children 
and adults, at a lower price online, before taxes and fees, we’ll refund you 
the difference. To receive a refund you must submit a claim as described 
in the terms and conditions prior to your stay and at least seventy-two 
(72) hours before the date of your reservation check-in.

***   Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services 
Hotel Stay Guarantee is simple – if you book your three star or higher 
hotel stay through the Mastercard Travel & Lifestyle Services program and 
you encounter problems with the hotel, contact Ten Lifestyle Group plc, 
the designated travel agent for the Mastercard Travel & Lifestyle Services 
program at toll free (US) 1-800-336-6420 during your stay and a Ten 
lifestyle manager will attempt to make it right for the remainder of your 
stay by working directly with the hotel to try to resolve your issue or will 
make efforts to find you comparable accommodations.

Certain terms, conditions and exclusions apply. Full details are available at 
www.mastercard.com/world.

16

BMO Harris Premium Credit CardsPriority Pass™
As a valued BMO Harris Bank Premium Rewards MasterCard or BMO Harris 
Premier Services Premium Rewards Mastercard cardholder, you are now 
eligible for the Airport Lounge Access benefit. This benefit offers you a 
complimentary annual membership in Priority Pass - your key to over 1200 
airport VIP lounges worldwide. As an added benefit, cardholders also receive 
2 complimentary visits to participating lounges, which apply against your 
first member and/or guest visits. After your first 2 visits, you simply pay 
a $32 fee per person per visit which will be billed automatically to your 
BMO Harris Bank Premium Rewards Mastercard or your BMO Harris Premier 
Services Premium Rewards Mastercard when the visit is reported to Priority 
Pass. Once enrolled in the program, the primary cardholder will receive 
separate documentation with additional information about the Priority Pass 
membership. As a Priority Pass member, you agree to abide by the Priority 
Pass Conditions of Use, which can be found in the lounge directory included 
with your membership credentials or at www.prioritypass.com.

Mastercard Airport Concierge™
Your passport to the finer side of air travel.
Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a 
personal, dedicated Meet and Greet agent to escort you through the airport 
on departure, arrival or any connecting flights at over 700 destinations 
worldwide 24 hours a day, 7 days a week, 365 days a year. There are also 
certain airports where you can be expedited through the security and/or the 
immigration process. To reserve Mastercard Airport Concierge services visit 
www.mastercard.com/airportconcierge or consult your travel advisor.

Mastercard Global Service™
Mastercard Global Service provides worldwide, 24-hour assistance 
with lost and stolen card reporting, emergency card replacement, 
and emergency cash advance.
Call Mastercard Global Service immediately to report your card lost or 
stolen and to cancel the account. If you need to make purchases or 
arrange for a cash advance, with your issuer’s approval, you can receive 
a temporary card the next day in the United States, and within two 
business days almost everywhere else.
Remember, if you report your card lost or stolen, you will not be 
responsible for any unauthorized transactions on your account.
In the United States (including all 50 states, the District of Columbia, the 
U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can easily reach a 
specially trained Mastercard Global Service Representative who can help 
you 24 hours a day, 365 days a year, in any language. You can call toll-free 
from over 80 countries worldwide. Some of the key toll-free Mastercard 
Global Service telephone numbers are:

17

Guide to BenefitsAustralia

Austria

France 

Germany

Hungary 

Ireland

Italy

1-800-120-113

Mexico

001-800-307-7309

0800-070-6138

Netherlands

0800-022-5821

0-800-90-1387

Poland

0-0800-111-1211

 0800-071-3542

Portugal 

06800-12517

Spain 

800-8-11-272

900-822-756

1-800-55-7378

United Kingdom

0800-96-4767

800-870-866

Virgin Islands

1-800-307-7309

For additional information, or for country-specific, toll-free telephone 
numbers not listed above, visit our website at www.mastercard.com 
or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits:
When in the United States, contact your card issuer directly for account 
information and 1-800-Mastercard for card benefits. When traveling outside 
the U.S., call Mastercard Global Service to access your card issuer for account 
information or to access any of your card benefits.

ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM 
in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® 
brands. Also, visit our website at www.mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide. To enable cash access, 
be sure you know your Personal Identification Number (PIN) before you travel.

Cellular Wireless Telephone Protection
Please see the ‘Key Terms’ section for the terms used throughout this benefit.

Evidence of Coverage 
Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
appear in bold. This EOC is subject to the Legal Disclosures set forth below. 

A. To get coverage: 
You must charge your monthly eligible cellular wireless telephone bill to 
your covered card. You are eligible for coverage the first day of the calendar 
month following the payment of your eligible cellular wireless telephone bill 
to your covered card. If you pay an eligible cellular wireless telephone bill 
with your covered card and fail to pay a subsequent bill to your covered card 
in a particular month, your coverage period changes as follows:   
1.  Your coverage is suspended beginning the first day of the calendar month 

following the month of nonpayment to your covered card; and

2.  Your coverage resumes on the first day of the calendar month following 

the date of any future payment of your eligible cellular wireless 
telephone bill with your covered card.

B. The kind of coverage you receive: 
•  Reimbursement for the actual cost to replace or repair a stolen or 

damaged eligible cellular wireless telephone.

•  Coverage ends on the earliest of: The date you no longer are a cardholder; 
the date the covered card is determined to be ineligible by the participating 
organization; the date the participating organization ceases to pay premium 
on the group policy; the date the participating organization ceases to 

18

BMO Harris Premium Credit Cards 
 
participate in the group policy; the date the group policy is terminated.

C. Coverage limitations:
Coverage for a stolen or damaged eligible cellular wireless telephone is 
subject to the terms, conditions, exclusions, and limits of liability of this benefit. 
The maximum liability is $600 per claim for World Mastercard, and $1,000 per 
covered card per 12-month period. Each claim is subject to a $50 deductible. 
Coverage is limited to two (2) claims per covered card per 12-month period. 
Coverage is excess of any other applicable insurance or indemnity available 
to you. Coverage is limited only to those amounts not covered by any 
other insurance or indemnity. In no event will this coverage apply as 
contributing insurance. This “noncontribution” clause will take precedence 
over a similar clause found in other insurance or indemnity language.

D. What is NOT covered
The following items are excluded from coverage under the group policy:
•  Eligible cellular wireless telephone accessories other than the standard 

battery and standard antenna provided by the manufacturer;
•  Eligible cellular wireless telephonees purchased for resale or for 

professional or commercial use;

•  Eligible cellular wireless telephones that are lost or mysteriously 

disappear;

•  Eligible cellular wireless telephones under the care and control of a 
common carrier, including, but not limited to, the U.S. Postal Service, 
airplanes or delivery service;

•  Eligible cellular wireless telephones stolen from baggage unless 

hand-carried and under the eligible person’s supervision or under the 
supervision of the eligible person’s traveling companion who is previously 
known to the eligible person;

• Eligible cellular wireless telephones stolen from a construction site;
•  Eligible cellular wireless telephones which have been rented or leased 

from a person or company other than a cellular provider;

•  Eligible cellular wireless telephones which have been borrowed;
•  Eligible cellular wireless telephones that are received as part 

of a pre-paid plan;

•  Cosmetic damage to the eligible cellular wireless telephone or damage 
that does not impact the eligible cellular wireless telephone’s ability to 
make or receive phone calls (including minor screen cracks and fractures 
less than 2 inches in length that do not prevent the ability to make 
or receive phone calls or to use other features related to making or 
receiving phone calls);

•  Damage or theft resulting from abuse, intentional acts, fraud, hostilities 

of any kind (including, but not limited to, war, invasion, rebellion 
or insurrection), confiscation by the authorities, risks of contraband, 
illegal activities, normal wear and tear, flood, earthquake, radioactive 
contamination, or damage from inherent product defects or vermin;

•  Damage or theft resulting from mis-delivery or voluntary parting from the 

eligible cellular wireless telephone;

•  Replacement of eligible cellular wireless telephone(s) purchased from 

anyone other than a cellular service provider’s retail or internet store that 
has the ability to initiate activation with the cellular service provider;
•  Taxes, delivery or transportation charges or any fees associated with the 

service provided; and

19

Guide to Benefits•  Losses covered under a warranty issued by a manufacturer, distributor or seller.
In addition, we shall not be deemed to provide coverage and we shall not 
be liable to pay any claim or provide any benefit under the group policy 
to the extent that the provision of such coverage, payment of such claim 
or provision of such benefit would expose us, our parent company or its 
ultimate controlling entity to any sanction, prohibition or restriction under 
United Nations resolutions or the trade or economic sanctions, laws or 
regulations of the European Union or the United States of America.

E. How to file a claim
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to open a 

claim. You must report the claim within 90 days of the loss, or as soon 
as reasonably possible, or the claim may not be honored. Upon receipt 
of a notice of claim, we will provide you with the necessary instructions 
for filing proof of loss. Written proof of loss must be submitted to our 
administrator within 120 days of the loss or the claim may not be honored. 
Required documentation may include but is not limited to the following:

•  Your card statement reflecting the monthly eligible cellular wireless 
telephone payments for the month preceding the date the eligible 
cellular wireless telephone was stolen or suffered damage;

•  A copy of your current wireless service provider’s billing statement;
•  If a claim is due to damage, a copy of the repair estimate and photos 

of the damage;

•  If the claim is due to theft, a copy of the police report filed within 48 

hours of the theft; and

•  Any other documentation or information reasonably requested by us to 

support the claim.

Please see the ‘Legal Disclosure’ section for all disclosures for this benefit.

Account and Billing Information
Important: Contact 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. Your 
financial institution’s phone number should be available on your monthly 
billing statement or on the back of your card. 
Reminder: Please refer to the Legal Disclosure section.

Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance 
or other contract. Benefits are provided to you, the accountholder, at no 
additional charge. Non-insurance services may have associated costs, which 
will be your responsibility (for example, legal referrals are free, but the 
lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by New 
Hampshire Insurance Company, an AIG  company. This Guide to Benefits is 
a summary of benefits provided to you. The attached Key Terms and EOC is 
governed by the group policy.
Effective date of benefits: Effective October 1, 2019, this Guide to Benefits 
replaces all prior disclosures, program descriptions, advertising, and 
brochures by any party. The Policyholder and the insurer reserve the right 

20

BMO Harris Premium Credit Cardsto change the benefits and features of these programs at any time. Notice 
will be provided for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or 
choose not to renew the insurance coverage for all cardholders. If the 
Policyholder does cancel these benefits, you will be notified in advance. If 
the insurance company terminates, cancels, or chooses not to renew the 
coverage to the Policyholder, you will be notified as soon as is practicable. 
Insurance benefits will still apply for any benefits you were eligible for 
prior to the date of such terminations, cancellation, or non-renewal, subject 
to the terms and conditions of coverage.
Benefits to you: These benefits apply only to the cardholder whose cards are 
issued by U.S. financial institutions. The United States is defined as the fifty 
(50) United States, the District of Columbia, American Samoa, Puerto Rico, 
Guam, and the U.S. Virgin Islands, unless otherwise noted. No person or entity 
other than the cardholder shall have any legal or equitable right, remedy, or 
claim for benefits, insurance proceeds and damages under or arising out of 
these programs. These benefits do not apply if your cardholder privileges have 
been cancelled. However, insurance benefits will still apply for any benefit you 
were eligible for prior to the date that your account is suspended or cancelled, 
subject to the terms and conditions of coverage herein.
Transfer of rights or benefits: No rights or benefits provided under these 
insurance benefits may be assigned without the prior written consent of 
the claim administrator for these benefits.
Misrepresentation and Fraud: Any coverage benefits hereunder shall be 
void if the cardholder has concealed or misrepresented any material facts 
concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if 
there is an unresolved dispute concerning this EOC (including the cost of, 
lack of or actual repair or replacement arising from a loss or breakdown). 
Under this Arbitration provision, You give up your right to resolve any 
dispute arising from this EOC by a judge and/or a jury. You also agree 
not to participate as a class representative or class member in any class 
action litigation, any class arbitration or any consolidation of individual 
arbitrations. In arbitration, a group of three (3) arbitrators (each of whom 
is an independent, neutral third party) will give a decision after hearing 
the parties’ positions. The decision of a majority of the arbitrators will 
determine the outcome of the arbitration and the decision of the arbitrators 
shall be final and binding and cannot be reviewed or changed by, or 
appealed to, a court of law.
To start arbitration, the disputing party must make a written demand to 
the other party for arbitration. This demand must be made within one (1) 
year of the earlier of the date the loss occurred or the dispute arose. The 
parties will each separately select an arbitrator. The two (2) arbitrators 
will select a third arbitrator called an “umpire.” Each party will each 
pay the expense of the arbitrator selected by that party. The expense 
of the umpire will be shared equally by the parties. Unless otherwise 
agreed to by the parties, the arbitration will take place in the county 
and state in which you live. The arbitration shall be governed by the 
Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law 
concerning arbitration. The rules of the American Arbitration Association 
(www.adr.org) will apply to any arbitration under this EOC. The laws of the 
state of New York (without giving effect to its conflict of law principles) 
govern all matters arising out of or relating to this EOC and all transactions 

21

Guide to Benefitscontemplated by this EOC, including, without limitation, the validity, 
interpretation, construction, performance and enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to 
avoid or diminish any theft, loss or damage to the property insured under 
these programs. Due Diligence shall means the performance of all vigilant 
activity, attentiveness, and care that would be taken by a reasonable and 
prudent person in the same or similar circumstances in order to guard and 
protect the item. 
Subrogation: If payment is made under these benefits, we are entitled to 
recover such amounts from other parties or persons. Any party or cardholder 
who receives payment under these benefits must transfer to us his or her 
rights to recovery against any other party or person and must do everything 
necessary to secure these rights and must do nothing that would jeopardize 
them, or these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, our administrator may request that 
you and/or the cardholder send the item to our administrator for salvage 
at your and/or cardholder’s expense. Failure to remit the requested item for 
salvage to our administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other 
applicable insurance or indemnity available to you. Coverage is limited 
to only those amounts not covered by any other insurance or indemnity. 
Coverage is subject to the conditions, limitations, and exclusions described 
in this document. In no event will this coverage apply as contributing 
insurance. This Other Insurance clause will take precedence over a similar 
clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. 
The non-contribution insurance clause will take precedence over the non-
contribution clause found in any other insurance policies.
Severability of Provisions: If in the future any one or more of the 
provisions of this Guide to Benefits is, to any extent and for any reason, 
held to be invalid or unenforceable, then such  provision(s) shall be 
deemed severable from the remaining provisions of the Guide. In that 
event, all other provisions of this Guide shall remain valid and enforceable. 
Benefits listed in this Guide to Benefits are subject to the conditions, 
limitations, and exclusions described in each benefit section. Receipt and/
or possession of this Guide to Benefits does not guarantee coverage or 
coverage availability.

This Guide is intended as a summary of services, benefits, and coverages 
and, in case of a conflict between the Guide and any any master insurance 
policy(ies) or group policy or actual offering shall control. Provision of 
services is subject to availability and applicable legal restrictions. The 
Guide to Benefits contains the entire agreement between You and Us. 
Representations or promises made by anyone that are not contained in the 
Guide to Benefits are not a part of your coverage.
Washington Residents: For Washington residents only, Evidence of 
Coverage (EOC) means the section of this Guide to Benefits that describes 
the terms, conditions, and exclusions of your coverage. The EOC, Key 
Terms, and Legal Disclosures are in the entire agreement between you and 
us. Representations or promises made by anyone that are not contained in 
the EOC, Key Terms, or Legal Disclosures are not part of your coverage. In 
case of a conflict between this Guide to Benefits and the group policy, the 
Guide to Benefits shall control. 

22

BMO Harris Premium Credit Cards23

Guide to BenefitsTo file a claim, call 1-800-Mastercard: 1-800-627-8372,
or en Español: 1-800-633-4466.
Visit our Web site at www.mastercard.com.

24

BMO Harris Premium Credit Cards©2020 Mastercard

25

Guide to Benefits 
 
 
 
 
 
 
 
BMO Harris Premier Services includes banking, deposit and loan products and 
services provided by BMO Harris Bank N.A.
BMO Harris Bank does not provide legal or tax advice. 
* Securities, investment advisory services and insurance products are offered 
through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered 
investment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. 
are affiliated companies. Securities and insurance products offered are: NOT FDIC 
INSURED — NOT BANK GUARANTEED —NOT A DEPOSIT — MAY LOSE VALUE.

3
0
1
2
-
0
2
/
9
0

Mastercard, Maestro, and Cirrus are registered trademarks and the circles design 
are trademarks of Mastercard International Incorporated.
Banking products and services are subject to bank and credit approval and  
are provided by BMO Harris Bank N.A.  Member FDIC
© 2020 BMO Harris Bank N.A. (11/20) 

50347165

0
2
1
1
-
8
-
6
4
6
W
-
3
0
F

1

BMO Harris Premium Credit Cards