Worldwide Automatic Travel Accident, Extended 
Warranty & Baggage Delay Insurance
THE  PLAN:  As  an  eligible  Cardholder  of  HawaiiUSA,  you,  your  spouse  or  Domestic  Partner  and  your  Dependent 
Children will be automatically insured up  to the benefit  amount associated with your card against accidental loss of life, 
limb, sight, speech or hearing occurring on a Common Carrier Covered Trip while 1) riding as a passenger in, enter-
ing or exiting any Common Carrier on which the Insured Person has purchased passage; or 2) riding as a passenger 
in, entering or exiting any Conveyance licensed to carry the public for hire or any Courtesy Transportation provided 
without a specific charge and while traveling to or from the airport, terminal or station: a) immediately preceding the 
departure of the scheduled Common Carrier on which the Insured Person has purchased passage; or b) immediately 
following the arrival of the scheduled Common Carrier on which the Insured Person was a passenger; or 3) at the air-
port, terminal or station at the beginning or end of the Common Carrier Covered Trip. If the purchase of the Common 
Carrier passenger fare is not made prior to the Insured Person’s arrival at the airport, terminal or station, coverage will 
begin at the time the cost of the Common Carrier passenger fare is charged to the Insured Person’s Account.

Eligible  Cards

Visa  Platinum  EMV

Benefit  Amount

$1,000,000

ELIGIBILITY: This insurance plan is provided to eligible Cardholders of  HawaiiUSA, automatically when the entire 
cost of the passenger fare(s) are charged  to an eligible Card account while the insurance is effective. It is not neces-
sary for you to notify your financial institution, the administrator or the Company when tickets are purchased.
THE COST: This insurance plan is provided at no additional cost to eligible cardholders. Your financial institution pays 
the full cost of the insurance.
BENEFICIARY:  The  Loss  of  Life  benefit  will  be  paid  to  the  beneficiary  designated  by  you.  If  no  such  designation 
has been made, that benefit  will be paid to the first surviving beneficiary in the following order: a) your spouse, b) 
your children, c) your parents, d) your brothers and sisters, e) your estate. All other indemnities will be   paid to you.
THE BENEFITS: The full Benefit Amount is payable for accidental loss of life; loss  of speech and loss of hearing; 
loss of speech and one of loss of hand, foot or sight of one eye; loss of hearing and one of loss of hand, foot or sight 
of one eye; loss of both hands, both feet, loss of sight or any combination thereof that occurs as the result
of an accident. 50% of the Principal Sum is payable for accidental loss of hand,  foot or sight of one eye (any one 
of each); loss of speech or loss of hearing. 25% of the Principal Sum is payable of loss of thumb and index finger of 
the same hand. “Loss” means, with respect to a hand, complete severance through or above the knuckle joints of at 
least 4 fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint. The 
Company will consider it a loss of hand or foot even if they are later reattached. “Benefit Amount” means the Loss 
amount at the time the entire cost of the passenger fare is charged to an eligible Card account. The loss must occur 
within one year of the accident. The Company will pay the single largest applicable Benefit Amount.

ACCOUNT  AGGREGATE  LIMIT  OF  INSURANCE:  If  more  than  one  Insured  Person  insured  under  the  same 
Account suffers a loss in the same accident, Federal Insurance Company (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 times the applicable benefit  amount, then the aggregate limit 
of insurance will be divided proportionally among the Insured Persons, based on each applicable benefit  amount.

ADDITIONAL BENEFITS:
Baggage Delay

We  will  reimburse  the  Insured  Person  up  to  the  Daily  Benefit  Amount  of  $100  per  day,  in  the  event  of  a  Baggage  Delay. 
Baggage Delay means a delay or misdirection of the Insured Person’s Baggage by a Common Carrier for more than four 
(4) hours from the time the Insured Person arrives at the destination on the Insured Person’s ticket. Our payment is limited 
to expenses incurred for the emergency purchase of essential items needed by the Insured Person while on a Common 
Carrier  Covered  Trip  and  at  a  destination  other  than  the  Insured  Person’s  primary  residence.  The  Baggage  Delay  Daily 
Benefit Amount will be payable up to three (3) days.

Essential items not covered by Baggage Delay include, but are not limited to:

tickets, documents, money, securities, checks, travelers checks and valuable papers;

1.  contact lenses, eyeglasses or hearing aids;
2.  artificial teeth, dental bridges or prosthetic devices;
3. 
4.  business samples;
5. 
6.  cameras, video recorders and other electronic equipment.

jewelry and watches; or

The Baggage Delay Benefit Amount is excess over any other insurance (including homeowners) or indemnity (including any 
reimbursements by the airline, cruise line, railroad, station authority, occupancy provider) available to the Insured Person.
DEFINITIONS:  Accident  or  Accidental  means  a  sudden,  unforeseen  and  unexpected  event  happening  by  chance. 
Accidental Bodily Injury means bodily injury which is accidental, the direct cause of a loss, is independent of disease, 
illness  or  other  cause  and  occurs  while  you  are  insured  under  this  policy,  which  is  in  force.  Account  means  credit  card 
accounts, debit card accounts, central bill accounts, checking accounts and savings accounts as set forth in the policy. 
Accountholder  means  any  individual  who  is  named  on  an  open  and  active  account  with  the  Policyholder.  Cardholder 
means an individual who is named on the account card issued by the policyholder. Common Carrier means any motorized 
land, water or air conveyance organized and licensed for the transportation of passengers for hire and operated   by an 
employee or an individual under contract. Common Carrier Covered Trip means travel on a common carrier when the 
full fare for transportation has been charged to your account issued by the policyholder. Credit Card means a payment 
medium that takes the form of a credit card, credit plate, charge plate, courtesy card or other identification card or device 
issued  to  you.  You  may  use  the  credit  card  to  purchase,  hire,  rent  or  lease  property  or  services.  Credit  Card  does  not 
include  a    debit  card.  Debit  Card  means  a  payment  medium  that  takes  the  form  of  a  card,  plate  or  other  identification 
card or device issued to you as an  owner  of  a  deposit  account  maintained by  the  issuer.  You may use the  debit card to 
purchase,  hire,  rent  or  lease  property  or  services.  Debit  Card  does  not  include  credit  card.  Dependent  Child    means 
the  primary  insured  person’s  unmarried  child,  dependent  on  the  primary  insured  person  for  maintenance  and  support, 
under the age of 25, or classified as an incapacitated dependent child. Domestic Partner means a person designated 
by the primary insured person who is registered as a domestic partner or legal equivalent under the laws of the governing 
jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to the primary insured 
person by blood; has exclusively lived with the primary insured person for at least 12 consecutive months; is not legally 
married or separated and has with  the  primary  insured  person  at  least 2  of  the following  financial  arrangements: a  joint 
mortgage or lease, a joint bank account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor 
vehicle  lease  or  a  joint  credit  card  account  with  a  financial  institution.  Neither  the  primary  insured  person  nor  domestic 
partner can be married to, nor in a civil union with, anyone else. Immediate Family Member means the insured person’s 
spouse  or  domestic  partner;  children  including  adopted  children  or  step-children;  legal  guardians  or  wards;  siblings  or 
siblings-in-law;  parents  or  parents-in-law;  grandparents  or  grandchildren;  aunts  or  uncles;  nieces  and  nephews.  Injury 
means  bodily  injury  which  is  accidental;  is  the  direct  source  of  a  loss;  is  independent  of  illness,  disease  or  other  cause 
and occurs while you are insured under this policy which is in force. Loss means accidental loss of foot, loss of hand, loss 
of hearing, loss of life, loss of sight, loss of sight of one eye, loss of speech, loss of thumb and index finger. Loss must 
occur  within  one  year  after  the  accident.  Loss  of  Foot  means  the  complete  severance  of  a  foot  through  or  above  the 
Continued on page 7 

6

Worldwide Automatic Travel Accident, Extended Warranty & Baggage Delay Insurance, continued

Worldwide Automatic Travel Accident, Extended Warranty & Baggage Delay Insurance, continued

ankle  joint. Loss of Hand means a complete severance, as determined by a physician, of at least 4 fingers at or above 
the metacarpal phalangeal joint on the same hand or at least 3 fingers and the thumb on the same hand. Loss of Hearing 
means permanent, irrecoverable and total deafness, as determined by a physician, with an auditory threshold of more than 
90 decibels in each ear. The deafness cannot be corrected by any aid or device. Loss of Property means Baggage Delay, 
Trip cancellation or Trip Interruption, & Trip Delay. Loss of Sight means permanent loss of vision. Remaining vision must 
be no better than 20/200 using a corrective aid or device, as determined by a physician. Loss of Sight of One Eye means 
permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 using  a corrective aid or 
device as determined by a physician. Loss of Speech means the permanent, irrecoverable and total loss of the capability 
of speech without the aid of mechanical devices, as determined by a physician. Loss of Thumb and Index Finger means 
complete  severance,  through  the  metacarpal  phalangeal  joints,  of  the  thumb  and  index  finger  of  the  same  hand,  as 
determined by a physician. Physician means a licensed practitioner of the healing arts acting within the scope of his or her 
license  to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not 
include you, an immediate family member, your employer or business partner or the policyholder. Policyholder means 
PSCU Services. Proof of Loss means written evidence acceptable to us that an accident, accident bodily injury or loss 
has occurred. Specialized Aviation Activity means use of a properly certified aircraft for flight on a rocket propelled or 
rocket launched aircraft. Specialized Aviation Activity shall include any flight which requires a special permit or waiver from 
a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted. Spouse 
means your husband or  wife who is recognized as such by the laws of the jurisdiction in which the primary insured person 
resides. We, Us and Our means Federal Insurance Company.

EXCLUSIONS: This insurance does not apply to any Accident, Accidental Bodily Injury, Loss, Covered Loss or Loss of Property 
when: 1) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, 
Accidental  Bodily  Injury,  Loss,  Covered  Loss  or  Loss  of  Property;  or  2)  there  is  any  other  legal  prohibition  against  providing 
insurance for any Accident, Accidental Bodily Injury, Loss, Covered Loss or Loss of Property. Additionally, this insurance does 
not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person 
1) entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion does not apply to passengers 
who  temporarily  perform  pilot  or  crew  functions  in  a  life-threatening  emergency;  2)  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;  3)  the  Insured  Person’s 
commission or attempted commission of any illegal act including but not limited to any felony; 4) any occurrence while the 
Insured Person is incarcerated; 5) the Insured Person participating in parachute jumping from an aircraft; 6) participating 
in military action while in active military service with the armed forces of any country or established international authority. 
However,  this  exclusion  does  not  apply  to  the  first  sixty  (60)  consecutive  days  of  active  military  service  with  the  armed 
forces of any country or established international authority; 7) traveling or flying on any aircraft engaged in Specialized 
Aviation Activities; 8) suicide, attempted suicide or intentionally self-inflicted injury; or 9) a declared or undeclared War.

CLAIM  NOTICE:  Written  claim  notice  must  be  given  to  the  Company  within  20  days  after  the  occurrence  of  any  loss 
covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce 
any otherwise valid claim if notice is given as soon as reasonably possible.

CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to 
us within 15 days. If you do not receive the forms, you should send the Company a written description of the loss.

CLAIM PROOF OF LOSS: Complete proof of loss must be given to us within 90 days after the date of loss, or as soon as 
reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid 
claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete 
proof of loss.

TIME  PAYMENT  OF  CLAIMS:  The  Company  will  pay  you  or  your  beneficiary  the  applicable  benefit  amount  as  soon  as 
complete proof of loss is received if you, the Policyholder and/or the beneficiary have complied with all the terms of this 
policy.  If  a  claim  is  contested  by  us,  we  will  notify  you  or  your  beneficiary  the  reasons  for  contesting  the  claim  within  45 
days of receipt of complete Proof of Loss. If we request additional information from you or your beneficiary upon receipt of 
requested information we will pay or deny the claim within 60 days. All overdue claim payments will bear simple interest at 
the rate of 10% per year.

EFFECTIVE DATE: Your insurance becomes effective on the latest of: the effective date of this policy, the date on which 
you first meet the eligibility criteria as the Insured Person or the beginning of the period for which required premium is paid 
for you. Insurance for you automatically terminates on the earliest of: the termination date of this policy, the expiration of 
the period for which required premium has been paid for you, the date on which you no longer meets the eligibility criteria 
as the Insured Person or the date on which the Company pays out 100% of the principal sum.

FOR CUSTOMER SERVICE INQUIRIES PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD.
For claims related matters ONLY, please contact the Claims Administrator: 

Broadspire, a Crawford Company
PO Box 792190
San Antonio, TX 78279 
Phone# 844-245-2503
Fax# 855-830-3728

As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description 
of  coverage  is  not  a  contract  of  insurance  but  is  a  summary  of  the  principal  provisions  of  the  insurance  while  in  effect. 
Complete policy provisions are contained In the Master Policy 9907-84-82, which can be obtained from the Policyholder.

Extended Warranty Insurance
THE  PLAN:  As  a  HawaiiUSA  Visa  Platinum  EMV  Cardholder,  you  are  automatically  eligible  for  Extended  Warranty 
insurance.
ELIGIBILITY:  This  insurance  plan  is  provided  to  HawaiiUSA  Visa  Platinum  EMV  Cardholders,  automatically  when  the 
entire  cost  of  the  Covered  Purchase  is  charged  to  an  eligible  Card  account  while  the  insurance  is  effective.  It  is  not 
necessary for you to notify your financial institution, the administrator or the Company when items are purchased.
THE COST: This insurance plan is provided at no cost to HawaiiUSA Visa Platinum EMV Cardholders. PSCU pays the 
full cost of the insurance.
WHEN COVERAGE APPLIES: We will duplicate the time period of the original
U.S. Manufacturer Warranty and any Purchased Warranty on an Insured Person’s Covered Purchase, up to a maximum of 
12 months. If a U.S. Manufacturer Warranty or a Purchased Warranty is made up of multiple components, We will duplicate 
the time period of each component. If the total time period for the U.S. Manufacturer Warranty and the Purchased Warranty 
is greater than 36 months there is no coverage under this Policy. In no event will the total time period for all warranties, 
including this Policy, exceed 48 months.
COVERAGE: We will duplicate the terms, conditions and limitations of the U.S. Manufacturer Warranty and any Purchased 
Warranty on an Insured Person’s Covered Purchase up to $10,000 for repair to defects in material or workmanship in a 
Covered Purchase; or for replacement of a Covered Purchase if repairs to defects cannot be made. This coverage only 
applies if the Insured Person charged or debited the entire cost of the Covered Purchase to the Insured Person’s Account 
during the Policy period.

7

Continued on page 8 

8

We will reimburse the Insured Person for the lesser of:

a. 
b. 
c. 

the cost of the Covered Purchase indicated on the Insured Person’s Account statement; or
the actual cost to repair or replace the Covered Purchase with an item of like kind and quality; or
the Maximum Benefit Amount shown in Section II of the Declarations.

In no event will We be liable beyond the amounts actually paid by the Insured Person.

In no event will We pay more than the Annual Maximum Benefit Amount, shown in Section II of the Declarations, in any 12 
month Policy period, regardless of the number of claims made in that 12 month Policy period.
Amount.

DEFINITIONS:
Accountholder means any individual who is named on an open and active
Account.
Cardholder means an individual who is named on the Account card.
Covered Purchase means personal property, including gift items, not otherwise excluded that is purchased in full by the 
Insured Person using the eligible card. Insured Person means a person, qualifying as a Class member 1) who elects 
insurance; or 2) for whom insurance is elected, 3) and on whose behalf premium is paid.

Manufacturer Warranty means a written guarantee to fix any defects in material  or workmanship in a Covered Purchase, 
made to the Insured Person by the maker of the Covered Purchase.

Purchased Warranty means an optional written guarantee to fix any defects in material or workmanship in a Covered 
Purchase, bought by the Insured Person at the time of the Covered Purchase.

EXCLUSIONS: Insurance under this Policy does not apply to Covered Purchases that:

1.  are  services,  including  but  not  limited  to  the  performance  or  rendering  of  labor  or  maintenance,  repair  or 

installation of goods or property or professional advice;

2.  are shipping, transportation or delivery costs;
3.  are  boats,  automobiles,  aircraft  or  any  other  motorized  vehicles,  or  motorized  vehicle  parts  subject  to  high  risk, 

combustible wear and tear or mileage stipulations;

4.  are land, buildings, permanently installed items, fixtures or structures;
5.  are plants, shrubs, pets, consumables or perishables;
6.  are computer software or applications;
7.  are purchased for resale, professional or commercial use;
8.  are still covered under the U.S. Manufacturer Warranty or Purchased Warranty;
9.  did not originally come with a U.S. Manufacturer Warranty or Purchased Warranty;
10.  are used, rebuilt, refurbished or remanufactured.

Insurance under this Policy does not apply to defects in material or workmanship of a Covered Purchase that are:

repaired at a repair facility that is not authorized by the original product manufacturer;

1.  not covered under the terms of either the original U.S. Manufacturer Warranty or Purchased Warranty;
2. 
3.  covered by a product recall;
the result of a power surge;
4. 
the result of normal wear and tear;
5. 
the  result  of  any  hazardous,  pathogenic  or  poisonous,  biological,  chemical,  nuclear  or  radioactive  material,  gas, 
6. 
matter or contamination.

Plan Administrator
The Direct Marketing Group, Inc. 
9931 South 136th Street,
Suite 100
Omaha, NE 68138
844-312-2802

HOW  TO  FILE  A  CLAIM:  The  Insured  Person  must  send  the  Administrator  written  notice  of  a  claim,  including  Insured 
Person’s name and Policy number, within 45  days after a covered loss occurs.

The Insured Person must: a) protect the Covered Purchase from further loss or damage; b) report any loss to the Administrator; 
c) complete the claim form and return along with legible copies of the original U.S. Manufacturer Warranty, Purchased Warranty, 
Account  statement  showing  the  purchase  of  the  Covered  Purchase  and  original  purchase  receipt  to  the  Administrator;  d) 
provide a copy   of the repair bill or a statement indicating that the item cannot be repaired along with evidence that the Covered 
Purchase has actually been replaced or repaired;cooperate with the Administrator in the investigation, settlement or handling 
of  any  claims;  f)  permit  the  Administrator  to  question  the  Insured  Person  under  oath  whenever  Our  investigation  deems  it 
necessary. All statements taken will be signed  by the Insured Person; and, g) authorize the Administrator to obtain records, 
reports or any other documentation requested necessary to Our investigation or to verify the claim.

CLAIM FORMS: When the Administrator is told of a claim, the Administrator will give the Insured Person forms for filing 
Proof of Loss. If these forms are not given  to the Insured Person within 15 days the Insured Person will meet Proof of Loss 
requirements by giving the Administrator a written description of the covered loss.

CLAIM PROOF OF LOSS: Complete Proof of Loss must be given to the Administrator within 90 days after a covered loss.

CLAIM  PAYMENT:  Reimbursement  for  covered  losses  will  be  paid  to  the  Insured  Person  within  60  days  after  the 
Administrator receives Proof of Loss.

EFFECTIVE DATE: Your insurance becomes effective on the latest of: the effective date of this policy, the date on which you 
first meet the eligibility criteria as the Insured Person or the beginning of the period for which required premium is paid for you. 
Insurance for you automatically terminates on the earliest of: the termination date of this policy, the expiration of the period for 
which required premium has been paid for you, the date on which you no longer meet the eligibility criteria as the Insured Person.

As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description 
of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete 
policy provisions are contained In the Master Policy 9906-86-87 on file with PSCU.

FOR QUESTIONS REGARDING THIS BENEFIT PLEASE 
CONTACT THE PLAN  ADMINISTRATOR:

FOR CLAIMS RELATED MATTERS ONLY, PLEASE 
CONTACT THE CLAIMS ADMINISTRATOR: 

Direct Marketing Group 
9931 South 136th street Suite 100
Omaha, NE 68138
844-312-2802

Broadspire, a Crawford Company
PO Box 792190
San Antonio, TX 78279 
Phone# 844-245-2503
Fax# 855-830-3728
Policy # 9906-86-87

Plan Underwritten By 
Federal Insurance Company 
a member insurer of the
Chubb Group of Insurance Companies 
15 Mountain View Road, P.O. Box 1615 
Warren, NJ   07061-1615

YOUR GUIDE TO CARD BENEFITS

For more information  
about the benefits 
described in this guide, call 
the Benefits Administrator 
at 1-800-551-8472,  
or call collect outside the  
U.S. at 303-967-1096.

M-123298

Your Guide to Benefits 
describes the benefits in  
effects as of 4/1/14. 
Benefits information in this 
guide replaces any prior 
benefits information you may 
have received. Please read and 
retain for your records. Your 
eligibility is determined by your 
financial institution.

For questions about your account, balance, or rewards points please call the customer service number on your Visa card statement.

Platinum Visa Card
 Warranty Manager Service
What is this benefit? 

Warranty Manager Service provides you with valuable features to help manage, use and even extend the warranties of 
eligible items purchased with your Visa card. You can access these features with a simple toll-free call. Services include 
Warranty Registration and Extended Warranty Protection. 

Who is eligible for this benefit? 

You are eligible if you are a valid cardholder of an eligible Visa card issued in the United States. 

Why should I use Warranty Registration to register my purchases?

You’ll have peace of mind knowing that your purchases’ warranty information is registered and on file. Although Warranty 
Registration is not required for Extended Warranty Protection benefits, you are encouraged to take advantage of this valuable 
service. When arranging for a repair or replacement, instead of searching for critical documents, you can just pick up the 
phone and call the Benefit Administrator.

How do I register my purchases?

To register an eligible purchase call 1-800-551-8472, or call collect outside the U.S. at 303-967-1096. The Benefit 
Administrator will provide the address to which you can send in the item’s sales receipt and warranty information so this key 
information can be kept on file for you.  

How does Extended Warranty Protection work?

Extended Warranty Protection doubles the time period of the original manufacturer’s written U.S. repair warranty up to one 
(1) additional year on eligible warranties of three (3) years or less for items purchased entirely with your eligible Visa card. 
This benefit is limited to no more than the original price of the purchased item (as shown on your Visa card receipt), less 
shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars 
($50,000.00) per cardholder. 

What about purchases made outside of the U.S.?

Purchases made outside of the U.S. are covered as long as you purchased the item entirely with your eligible Visa card and 
the eligible item has a valid original manufacturer’s written U.S. repair warranty of three (3) years or less, store-purchased 
dealer warranty, or assembler warranty.  

What types of purchases are not covered?

  Boats, automobiles, aircraft, and any other motorized 
vehicles and their motors, equipment, or accessories, 
including trailers and other items that can be towed by or 
attached to any motorized vehicle

  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

  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

  Rented or leased items or items purchased on an 

installment plan and for which the entire purchase price 
was not paid in full at the time of the occurrence

  Computer software
  Medical equipment
  Used or pre-owned items

Should I keep copies of receipts or any other records? 

Not if you’ve already registered your purchase. If you have not registered your purchase, however, you should keep copies of 
your Visa card receipt, your store receipt, the original manufacturer’s written U.S. warranty, and any other applicable warranty 
in the event that you need to file a claim, as these documents will be required to verify your claim. 

Filing an Extended Warranty Protection Claim

How do I file a claim?

Call the Benefit Administrator at 1-800-551-8472, or call collect outside the U.S. at 303-967-1096 immediately after 
the failure of a covered item. 

Please Note: If you do not notify the Benefit Administrator within sixty (60) days after the product failure, your claim 
may be denied.

The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate repair facility, and 
send you the appropriate claim form. 
Gift recipients of eligible items are also covered by the claim process. However, a gift recipient must provide all the 
documents necessary to fully substantiate the claim.

For faster filing, or to learn more about the Warranty Manager Service benefit,  
visit www.visa.com/eclaims

Continued on page 2 

Warranty Manager Service, continued

What documents do I need to submit with my claim?

Complete and sign the claim form sent to you by the Benefit Administrator and submit it within ninety (90) days of the 
product failure along with the following documents: 
  Your Visa card receipt
  The itemized store receipt
  A copy of the original manufacturer’s written U.S. 

  A description and serial number of the item, and any other 
documentation deemed necessary to substantiate your 
claim (this includes bills and, if necessary, a copy of the 
maintenance record and receipts)

warranty and any other applicable warranty

Please Note: All claims must be fully substantiated. 

  The original repair order

How will I be reimbursed? 

If you have substantiated your claim and met the terms and conditions of the benefit, the item will be replaced or repaired at 
the Benefit Administrator’s discretion, but for no more than the original purchase price of the covered item as recorded 
on your Visa card receipt, less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim, 
and a maximum of fifty thousand dollars ($50,000.00) per cardholder. 
Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all 
required documents.

What about repairs? 

Extended Warranty Protection will pay the repair facility directly, or you may go to an authorized repair facility and file a claim for 
reimbursement. Only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered. 
In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under 
the benefit. 

Do I have to file with my insurance company?  

No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty Protection is 
supplemental to, and excess of, that coverage. 

ADDITIONAL PROVISIONS FOR WARRANTY MANAGER SERVICE 

This benefit applies only to you, the eligible Visa cardholder, and to whomever receives the eligible gifts you purchase entirely with your 
eligible Visa card.

You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by this benefit. This 
provision will not be unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no benefit 
shall exist for such claim and your benefits may be canceled. Each claimant 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.

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the damage or theft. 
No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within six (6) 
months of the date of product failure.

After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred 
to the Benefit Administrator to the extent of payment made to you. You must give the Benefit Administrator all assistance as may reasonably 
be required to secure all rights and remedies.

No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. No legal action 
against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought 
against the Provider unless all the terms of this Guide to Benefit have been complied with fully.

The benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be 
modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, 
statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts 
have been suspended or canceled.

Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefit, and if they do, they will 
notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa cardholder. Indemnity 
Insurance Company of North America (“Provider”) is the underwriter of this benefit and is solely responsible for its administration and claims. 
The Benefit Administrator provides services on behalf of the Provider.  
FORM #VWMGR 10K-50K-3YR – 2013 (04/14) 

WM-O

 Travel and Emergency Assistance Services
What is this benefit?

This benefit offers services designed to help you in case of an emergency while traveling. The Benefit Administrator can 
connect you with the appropriate local emergency and assistance resources available when you are away from home, 24 
hours a day, 365 days a year. (Please keep in mind 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.)

Who is eligible for this benefit?

You are eligible if you are a valid cardholder of an eligible Visa card issued in the United States. Your spouse and children 
[provided children are dependents under twenty-two (22) years old] may all benefit from these special services.

How do I use these services when I need them?

Simply call the toll-free, 24-hour Benefit Administrator line at 1-800-992-6029. If you are outside 
the United States, call collect at 804-673-1675.

Is there a charge for these services?

No. Travel and Emergency Assistance Services are available to eligible Visa cardholders at no  
additional charge.

Please Note: 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.

 Travel and Emergency Assistance Services, continued

 Auto Rental Collision Damage Waiver, continued

Auto Rental Collision Damage Waiver, continued

What are the specific services and how can they help me?

  Emergency Message Service can record and relay 
emergency messages for travelers, their immediate 
family members, or business associates. Please Note: 
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.

  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 Visa or personal account. 
Please Note: 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. Please Note: 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. The Benefit 
Administrator can also arrange a cash advance with your 
issuing bank. Please Note: You are responsible for the 
cost of any replacement items shipped to you.

  Emergency Translation Service provides telephone 
assistance in all major languages and helps find local 
interpreters, if available, when you need more extensive 
assistance. Please Note:  
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 Visa or personal account. The Benefit Administrator 
can also follow up to make sure bail has been properly 
handled. Please Note: 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 business associates 
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. Please Note: 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 prescriptions filled for you at local 
pharmacies. It can also help transport critical documents 
that you may have left at your home or elsewhere. Please 
Note: All costs are your responsibility.

  Pre-Trip Assistance can give you information on your 
destination before you leave—such as ATM locations, 
currency exchange rates, weather reports, health 
precautions, necessary immunizations, and required 
passport visas.

ADDITIONAL PROVISIONS FOR TRAVEL AND EMERGENCY ASSISTANCE SERVICES 

The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled. The 
terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and 
conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages.
FORM #VTEAS – 2013 (Stand 04/14) 

TEAS-O

 Auto Rental Collision Damage Waiver
What is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit?

The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for automobile rentals 
made with your Visa card. The benefit provides reimbursement (subject to the terms  
and conditions in this guide) for damage due to collision or theft up to the actual cash value of most  
rental vehicles.

Who is eligible for this benefit?

You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa card issued in the United States. 
Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered.

What losses are covered? 

The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most 
private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. Please 
contact the Benefit Administrator to inquire about a specific vehicle. 
Covered losses include: 

  Physical damage and/or theft of the covered rental 

  Reasonable and customary towing charges, due to 

vehicle

  Valid loss-of-use charges imposed and substantiated by 

the auto rental company 

covered theft or damage, to the nearest qualified repair 
facility

Please Note: This benefit only covers vehicle rental periods that neither exceed nor are intended to exceed 
fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your 
country of residence. 

How does this coverage work with other insurance?

Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible insurance or 
reimbursement from any source. This means that, subject to the terms and conditions of this benefit, Auto Rental CDW 
applies to eligible theft or damage or expenses that are not covered by insurance or reimbursement.
If you do not have personal automobile insurance or any other insurance covering this theft or damage, this 
benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by 
the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle.

If you do have personal automobile insurance or other insurance covering this theft or damage, the Auto 
Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any 
unreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company, 
as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is 
your responsibility. 

What types of rental vehicles are not covered? 

The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; certain vans; 
vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles. 

  Examples of excluded expensive or exotic 
automobiles include: the Aston Martin, Bentley, 
Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, 
Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. 
However, selected models of BMW, Mercedes-Benz, 
Cadillac, and Lincoln are covered. 

  An antique automobile is defined as any vehicle over 
twenty (20) years old or any vehicle that has not been 
manufactured for ten (10) years or more. 

  Vans are not covered, with the exception of those 
manufactured and designed specifically as small group 
transportation vehicles (for a maximum of eight (8) 
people including the driver). 

For questions about a specific vehicle, call the Benefit Administrator at 1-800-348-8472.  
If you are outside the United States, call collect at 804-673-1164. 

What else is not covered? 

  Any obligation you assume under any agreement (other 
than the deductible under your personal auto policy)
  Any violation of the auto rental agreement or this benefit
  Injury of anyone or damage to anything inside or outside 

  Confiscation by authorities
  Vehicles that do not meet the definition of  

covered vehicles

  Rental periods that either exceed or are  

the rental vehicle

  Loss or theft of personal belongings
  Personal liability
  Expenses assumed, waived, or paid by the auto rental 

company or its insurer

  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)

intended to exceed fifteen (15) consecutive  
days within your country of residence or  
thirty-one (31) consecutive days outside your country of 
residence

  Leases and mini leases
  Theft or damage as a result of the authorized driver’s 

and/or cardholder’s lack of reasonable care in protecting 
the rental vehicle before and/or after theft or damage 
occurs (for example, leaving the vehicle running and 
unattended)

  Theft or damage reported more than forty-five (45) days* 

from the date of the incident

  Theft or damage for which a claim form has not been 
received within ninety (90) days* from the date of the 
incident

  Theft or damage for which all required documentation 

has not been received within three hundred and sixty-five 
(365) days from the date of the incident

  Theft or damage from rental transactions that originated 
in Israel, Jamaica, the Republic of Ireland, or Northern 
Ireland

Where am I covered? 

This benefit is available in the United States and most foreign countries. However, no benefit is provided for motor 
vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, this benefit is not 
available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual 
merchants. Because regulations vary outside the United States, it is recommended you check with your auto rental 
company and the Benefit Administrator before you travel to make sure Auto Rental CDW will apply. 
This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized  
driver permitted to operate the rental vehicle in accordance with the rental agreement between you and  
the auto rental company. This benefit terminates when the auto rental company re-assumes control of the rental vehicle. 

How do I make sure my Auto Rental CDW benefit is in effect?  

To be sure you are covered, take the following steps when you rent a vehicle:

1

Initiate and complete the entire rental transaction 
with your eligible Visa card.

2 Decline the auto rental company’s collision damage 

waiver (CDW/LDW) option or similar provision.

Helpful tips: 
  Be sure to check the rental vehicle for prior damage before leaving the rental lot. 
  Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are 

familiar with the terms and conditions of the auto rental agreement. 

What if the auto rental company insists that I purchase the auto rental company’s auto insurance or collision dam-
age waiver?  

Call the Benefit Administrator for help at 1-800-348-8472. If you are outside the United States,  
call collect at 804-673-1164.  

Filing an Auto Rental CDW Claim

What do I do if I have an accident or the rental vehicle is stolen?   

Immediately call the Benefit Administrator at 1-800-348-8472 to report the theft or damage  
regardless of whether your liability has been established. If you are outside the United States, call collect at 804-673-1164. 
The Benefit Administrator will answer any questions you or the auto rental company may have and will send you a claim form.  

When should I report an incident?    

You should report theft or damage as soon as possible, but no later than forty-five (45) days* from the date of 
the incident. The Benefit Administrator reserves the right to deny any claim that contains charges that would not have been 
included had the Benefit Administrator been notified before those expenses were incurred, so you are advised to notify the 
Benefit Administrator immediately after any incident.

Please Note: You must make every reasonable effort to protect the rental vehicle from theft  
or damage.  As the cardholder you are responsible for reporting your claim to the Benefit  Administrator 
immediately. Reporting an incident to someone other than the Benefit Administrator will not fulfill this obligation.

What do I need from the auto rental company in order to file a claim?     

At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental company for: 

  A copy of the accident report form and claim document, 
which should indicate the costs you are responsible for 
and any amounts that have been paid toward the claim
  A copy of the initial and final auto rental agreement(s)
  A copy of the repair estimate and itemized repair bill

How do I file a claim?      

  Two (2) photographs of the damaged vehicle,  

if available

  A police report, if obtainable

Submit the documents gathered from the auto rental company (listed above) along with the following additional documents 
to the Benefit Administrator: 

  The completed and signed Auto Rental CDW claim 

form. Please Note: Your completed claim form must be 
postmarked within ninety (90) days* of the date of the 
theft or damage, even if all other required documentation 
is not yet available, or your claim may be denied 

  A copy of your receipt or monthly billing statement as 

proof that the entire vehicle rental was charged and paid 
for with your eligible Visa card

toward the claim. Or, if you have no applicable insurance 
or reimbursement, a notarized statement of no insurance 
or reimbursement is required 

  A copy of your primary insurance policy's Declarations 
Page to confirm your deductible.  “Declarations Page” 
means the document(s) in your insurance policy that 
lists names, coverages, limits, effective dates and 
deductibles.

  A statement from your insurance carrier (and/or your 

  Any other documentation deemed necessary by the 

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 

Benefit Administrator to substantiate  
the claim

Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days  
of the date of theft or damage. If you have difficulty obtaining the required documents within ninety (90)  
days* of the date of theft or damage, submit the claim form with available documentation. 

For faster filing, or to learn more about Auto Rental CDW, visit www.visa.com/eclaims

Do I have to do anything else?     

Usually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the Auto Rental 
CDW Benefit Administrator has received all documentation necessary to fully substantiate your claim. 
After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this theft or 
damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to you. You must give the 
Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies. 

* Not applicable to residents of certain states. 

ADDITIONAL PROVISIONS FOR AUTO RENTAL CDW 

You must make every effort that would be made by a reasonable and prudent person to protect the rental vehicle from theft or damage. This 
provision will not be unreasonably applied to avoid claims. 

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage 
shall exist for such claim and your benefits may be canceled. Each cardholder agrees that representations regarding claims will be accurate 
and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. 

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the incident/occurrence. 
No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within twelve 
(12) months of the date of the incident/occurrence. 

No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. After the 
expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. 
Further, no legal action may be brought against the Provider unless all the terms of this Guide to Benefit have been complied with fully. 

This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be 
modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, 
statement inserts, or statement messages. The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts 
have been suspended or canceled. 

Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the benefit, and if they do, they will 
notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa cardholder.  Indemnity 
Insurance Company of North America (“Provider”) is the underwriter of this benefit and is solely responsible for its administration and claims. 
The Benefit Administrator provides services on behalf of the Provider.
FORM #VARCDW – 2013 (Stand 04/14) 

ARCDW-O
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