guide to   
benefits

diners club card elite 
cardholder benefits

important information.  
please read and save. 

This Guide to Benefits contains detailed information about extensive 
travel, insurance, and retail protection services you can access as 
a preferred cardholder. These programs and coverages apply to 
travel and retail purchases made on or after September 22, 2014. 
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 1-800-MasterCard.

“Card” refers to Diners Club Card Elite card and “Cardholder” refers  
to a Diners Club Card Elite cardholder.

diners club card elite guide to benefits

Benefits that are always with you.

BMO Harris Bank N.A.

 
key terms
The following Key Terms apply to the following benefits: MasterRental, Hotel/Motel 
Burglary, Lost or Damaged Luggage, Purchase Assurance and Extended Warranty.
Key Terms:
You and Your refer to the cardholder or authorized user of the covered card. We, Us, 
and Our refer to Virginia Surety Company, Inc. 
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.
Authorized driver(s) means a driver with a valid driver’s license issued from their state 
of resident 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.
Burglary means the taking of unattended personal property owned by you, from your 
registered hotel or motel room by forcible entry.
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 Diners Club Card Elite 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.
Evidence of Coverage (EOC) means the document describing the terms, conditions,  
and exclusions. The EOC, Key Terms, and Final Legal Disclosures are the entire 
agreement between You and Us. Representations or promises made by anyone that  
are not contained in the EOC, Key Terms, or Final Legal Disclosures are not a part of 
your coverage.
Forcible entry means that access to your hotel or motel room that has been gained by 
breaking and entering a locked door, window, or any other opening.
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.
Manufacturer suggested retail price (MSRP) means the purchase price of the vehicle or 
the value of the vehicle based on the National Automobile Dealers Association website 
at www.nada.com or similar source.
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.
KT-CC-EOC (9.08)

master rental

Evidence of Coverage
Refer to Key Terms KT-CC-EOC (9.08) for the definitions of you, your, we, us, our, and 
words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

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 full 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 thirty one (31) consecutive days are  
not covered.
The rented vehicle must have a MSRP that does not exceed $50,000 USD.

B. The kind of coverage you receive:
We will pay for the following on a primary (except for residents of New York) 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 third-party 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 MasterRental is provided on a secondary basis and a covered loss has occurred 
the order in which benefits are determined is 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 in Section B, 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 insurance policy liability section may not be subject 
to a deductible, which means that you may not receive any benefits from this program. 
Contact your insurance provider for full coverage details pertaining to your personal 
vehicle liability insurance policy (or similar coverage).
If you have no other insurance or your insurance does not cover you in territories or 
countries outside of the United States, this coverage is considered primary coverage.

D. Who is covered:
The covered card cardholder and those designated in the rental agreement as 
authorized drivers.

E. Excluded rental vehicles:
• All trucks, pickups, full-size vans mounted on truck chassis (including, but not  
limited to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other 
recreational vehicles.

• All sport utility trucks. These are vehicles that have been or can be converted to an 

open, flat bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and 
Cadillac Escalade EXT).

• 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. 

• Any rental vehicle that has a MSRP that exceeds $50,000 USD.

F. Where you are covered:
Coverage is available worldwide.
Coverage is not available in countries where:
• This EOC is prohibited by that county’s laws; or
• The terms of the EOC are in conflict with the laws of that country.

G. Coverage limitations:
We will pay the lesser of the following:
a) The actual repair amount;
b) Wholesale market value less salvage and depreciation;
c) The rental agency’s purchase invoice less salvage and depreciation; or 
d) $50,000 USD
In addition, coverage is limited to $500 USD per incident for 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:
• Any personal item 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 your covered card.
• Any person not designated in the rental agreement as an authorized driver.
• Any obligations you assume other than that what is specifically covered under the 
rental agreement or your primary vehicle insurance or other indemnity policy.

• Any violation of the written terms and conditions of the rental agreement.
• Any loss that occurs while driving under the influence of drugs or alcohol.
• Any loss associated with racing or reckless driving.
• 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 
police and/or rental agency, as a result of 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 that is not caused by theft or vandalism or is not a result 

of a vehicle collision causing tire or rim damage.

• Rental vehicles where full 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 illegal activity.
• Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
• 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, 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.
• Interest or conversion fees that are charged to you on the covered card by the  

financial institution.

I. How to file a claim:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty 

(60) days of the loss or the claim may not be honored.

• 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 designated 
representative for further details.

• Submit the following documentation within one hundred and eighty (180) days of the 

incident or the claim will not be honored:

 – Completed and signed claim form.
 – Receipt showing the vehicle rental.
 – Statement for the covered card showing the vehicle rental.
 – The rental agreement (front and back).
 – Copy of your valid driver’s license (front and back).
 – Copy of the declarations page of any primary vehicle insurance and 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 authorized collision repair facility. 
 – Copy of the 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.

CDW-CC-EOC (3.14)

hotel/motel burglary

Evidence of Coverage
Refer to Key Terms KT-CC-EOC (9.08) for the definitions of you, your, we, us, our, and 
words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

A. To get coverage:
You must pay the entire cost of the hotel or motel room with your covered card and/or 
accumulated points from your covered card.

B. The kind of coverage you receive:
• Reimbursement for the cost of replacing or repairing your item(s) that have been stolen 
or damaged resulting from a burglary by forcible entry into your hotel or motel room.

•  Coverage begins when you check into (i.e., occupy the room) the hotel or motel.
•  Coverage ends when you check out (i.e. vacate the room and close out the bill) from  

the hotel or motel. Coverage will not extend beyond the hotel or motel standard check 
out time.

•  Coverage is secondary to any other applicable insurance or coverage available to you 
including benefits provided by the hotel/motel company (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 hotel/motel company 
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 claim to replace or repair your 
personal property that has been stolen or damaged as a result of a burglary. 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 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 any dishonest, fraudulent, or criminal act committed or arranged 

by you.

•  Loss resulting from contamination by radioactive or hazardous substances, including mold.
•  Personal property contained in the hotel or motel safety deposit box.
•  Electronic equipment (including but not limited to, laptops, PDAs, video/film cameras, 

or hearing aids) or sporting equipment. 

•  Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household 

furniture, or documents (including, but not limited to, visas and IDs).

•  Plants, shrubs, animals, pets, 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.

•  Items specifically identified or described in and insured under any other insurance policy.
•  Interest or conversion fees that are charged to your covered card by the  

financial institution.

F. How to file a claim:
•  Call 1-800-MasterCard to request a claim form. You must report the claim within sixty 

(60) days of the incident or the claim may not be honored. 

•  Submit the following documentation within one hundred and eighty (180) days of the 

date of incident or the claim may not be honored: 
 – Completed and signed claim form.
 – Receipt showing hotel/motel charges. 
 – Statement showing hotel/motel charges.
 – Covered card travel point program statement showing the hotel or motel room 

was paid for with redeemed points.

 – Police report from the police and hotel/motel listing the items that were stolen.
 – Result of any settlement or denial by the hotel or motel.
 – Copy of initial claim report submitted to the hotel or motel.
 – Proof of ownership of each item stolen (i.e. original receipts, pictures, etc.). 
 – Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

HMB-CC-EOC (9.08)

lost or damaged luggage

Evidence of Coverage
Refer to Key Terms KT-CC-EOC (9.08) for the definitions of you, your, we, us, our, and 
words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

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 $3,000 per incident of repairing or replacing 
your checked and/or carry-on luggage and any 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:
•  Call 1-800-MasterCard to request a claim form. 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: 
 – Completed and signed claim form.
 – 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.

LDL-CC-EOC (9.08)

purchase assurance

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.
Refer to Key Terms KT-CC-EOC (9.08) for the definitions of you, your, we, us, our,  
and words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

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 stolen or damaged jewelry or fine art will be limited to the actual 

purchase price as listed on your credit card statement, regardless of sentimental  
or appreciated market value. 

D. What is NOT covered:
•  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 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 the police.
•  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.
• 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 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  

financial institution.

E. How to file a claim:
• Call 1-800-MasterCard to request a claim form. You must report the claim within  

sixty (60) days of the loss or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty (180) days of the 

date you report the claim:
 – Completed and signed claim form.
 – 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 or protection (including, 

but not limited to, homeowner’s, renter’s, or auto insurance policy).

 – Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

PA-CC-EOC (9.08)

extended warranty

Evidence of Coverage
Refer to Key Terms KT-CC-EOC (9.08) for the definitions of you, your, we, us, our, and 
words that appear in bold and Final Legal Disclosures CC-FLD (9.08).

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. 

B. The kind of coverage you receive:
• Extended Warranty doubles the original manufacturer 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. Should you fail to properly register the original warranty as 
required by the manufacturer, we will only double the actual warranty time period that 
you received from the manufacturer. 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 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 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.

• 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.
• Interest or conversion fees that are charged to you on the covered card by the  

financial institution.

E. How to file a claim:
• Call 1-800-MasterCard to request a claim form. 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: 
 – Completed and signed claim form.
 – 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.

EW-CC-EOC (9.08)

price protection
The Final Legal Disclosure is part of this agreement.
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 Virginia Surety Company, Inc. 
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.
Auction (online or live) means a place or Internet site where items are sold through 
price bids, price quotes; or where prices fluctuate based on the number of people 
purchasing, or interested in purchasing a product. (Examples include, but are not limited 
to, Ebay, Ubid, Yahoo, public or private live auctions, etc.).
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.
Covered card means the Diners Club Card Elite card.
Non-auction Internet advertisements means advertisements posted on the Internet, 
by a non-Auction Internet merchant with a valid tax identification number. The 
advertisement must have been posted within one hundred and twenty (120) days after 
the date you purchased the product and must be for the identical item (advertisement 
must verify same manufacturer and model number). The printed version of the Internet 
advertisement must include the merchant’s Internet address and customer service 
telephone number, as well as the item including manufacturer, model number, sale price 
and date of publication.
Printed advertisements means advertisements appearing in a newspaper, magazine, 
store circular, or catalog which state the authorized dealer or store name, item 
(including make, model number), and sale price. The advertisement must have been 
published within one hundred and twenty (120) days after the date you purchased 
the product and must be for the identical item (advertisement must verify same 
manufacturer and model number).

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. 
You must see either a printed advertisement or non-auction Internet advertisement 
for the same product (advertisement must verify same manufacturer and model 
number) for a lower price within one hundred and twenty (120) days from the date of 
purchase as indicated on your receipt.

B. The kind of coverage you receive:
• Purchases you make entirely with your covered card are covered for one hundred 

and twenty (120) days from the date of purchase as indicated on your receipt for the 
difference between the price you paid and the lower price advertised.

• 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 including benefits provided by the retailer (including, but not 
limited to, refunds, exchanges, and store credits). Coverage is limited to only those 
amounts not covered by any other insurance or coverage, or retailer benefits (including, 
but not limited to, refunds, exchanges, and store credits).

C. Coverage limitations:
Coverage is limited to the difference between the actual cost of the item (excluding 
taxes, storage, shipping, and handling costs) and the advertised lower price, up to $250 
per claim. There is a maximum of four (4) claim(s) per cardholder account per twelve 
(12) month period.

D. What is NOT covered:
• Any item purchased from an Internet site whose primary purpose is not the sale of the 

item or related items.

• Items purchased for resale, rental, professional, or commercial use.
• 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.

• Customized/personalized, one-of-a-kind, or special-order items.
• Layaway items; items returned to any store.

• Any items purchased from an auction.
• Items for which the printed advertisement or non-auction Internet advertisement 

containing the lower price was published after one hundred and twenty (120) days from 
the date you purchased the item. 

• Items advertised or shown as price quotes, bids or final sale amounts from a non-

auction Internet site.

• Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” 

“close out”, or as “discontinued”. 

• Printed advertisements or non-auction Internet advertisements that display pricing 
lower than your purchased item due to rebates, special offerings, bonuses, free items/
giveaways, manufacturer’s coupons, or special financing. 

• Professional services, including workmanship, installation, professional advice/counseling, 

and technical support, or help line.

• Plants, shrubs, animals, pets, consumables, and perishables.
• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, 

and motorcycles, or their motors, equipment, or accessories. 

• Land, any buildings (including, but not limited, to homes and dwellings), permanently 

installed items, fixtures, structures, or home improvement.

• Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or 

mammals). 

• 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.

• Differences in price due to sales tax, storage, shipping, handling, postage, 

transportation, and delivery.

• Differences in price due to foreign exchange rates or fluctuation in foreign  

exchange rates.

E. How to file a claim:
For a Printed Advertisement:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty 

(60) days of the incident or the claim may not be honored.

• Submit the following documentation within one hundred and eighty (180) days of the 

advertisement’s publication:
 – Completed and signed claim form.
 – A copy of the printed advertisement that shows the date of the advertisement, 
retailer name, the product (advertisement must verify same manufacturer and 
model number), and sale price.

 – Receipt showing the item(s) was purchased.
 – Statement showing item(s) purchased and use of accumulated points.
 – Itemized purchase receipt(s).
 – Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

For a Non-Auction Internet Advertisement:
• Call 1-800-MasterCard to request a claim form. You must report the claim within sixty 

(60) days of the incident or the claim may not be honored.

• Submit the following documentation within one hundred and eighty (180) days of the 

advertisement’s publication:
 – Completed and signed claim form.
 – A copy of the non-auction advertisement that shows the date of the advertisement, 

website address, retailer name, the product (advertisement must verify same 
manufacturer and model number), sale price, and, if applicable, shipping, handling 
and other charges.

 – Receipt showing the item(s) was purchased.
 – Statement showing item(s) purchased.
 – Itemized purchase receipt(s).
 – Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

PP-CC-NT (9.08)

identity theft resolution services

What are Personal Identity Theft Resolution Services?
Personal Identity Theft Resolution Services provides you with access to a number of 
Identity Theft resolution services, should you believe you are a victim of Identity Theft.
Who is eligible for this coverage?
To be eligible for this coverage, you must be a valid cardholder, whose name is 
embossed on an eligible card, and who resides in the United States.
How can I access these services?
Simply contact 1-800-MasterCard if you believe you have been a victim of Identity Theft. 
What are the services provided?
Services are provided on a 24-hour basis, 365 days a year. They include:
• Concierge Level Certified Restoration specialist who works autonomously on behalf 

of the Cardholder and relieves the Cardholder of the direct involvement of processing 
necessary documentation, lengthy phone conversations and dispute resolutions.
• Limited Power of Attorney (LPOA) to represent the Cardholder during an identity 

theft event.

• Multiple Tri-Bureau credit reports pulled at no cost to the Cardholder to help ensure a 
complete resolution of the identity theft event and restoration of Cardholder’s identity.  

• Assistance from a Specialist with cancelling the Cardholder’s credit/debit card(s), 

membership cards, affinity cards and more in the event that identity theft has occurred 
(even if the Cardholder has not experienced a lost wallet).

• Ongoing communication with Specialist about the most current status of the 
Cardholder’s fraud investigation until the identity theft situation is successfully 
resolved to a pre-victim status.

• Upon successful resolution, the Cardholder will be offered a written synopsis of his or 
her case, including all written documents prepared on the behalf of the Cardholder. 
• Access to a Specialist who disputes with the consumer reporting agencies on behalf of 
the Cardholder to ensure that no fraudulent information negatively affects his or her 
consumer report information or history. 

• Providing the Cardholder with a uniform Identity Theft Affidavit and assistance with 
completion of the Affidavit. It is the responsibility of the Cardholder to submit the 
Affidavit to the proper authorities, credit bureaus, and creditors.

• Assistance from a Specialist to notify all three credit bureaus via conference call with 

the Cardholder.

• Assistance and guidance from a Specialist regarding placing fraud alerts and credit freezes.
• Assisting the Cardholder with debit, credit and/or charge card replacement.
• Assisting the Cardholder with membership/affinity card replacement. 
• Educating the Cardholder on how Identity Theft can occur and of protective measures 

to avoid further occurrences.

The Cardholder will be responsible for completing and/or providing, among other things, 
the following:
• Notarized Limited Power of Attorney

 – Form provided by CSID

• Notarized Federal Trade Commission Affidavit

 – Form provided by CSID

• IRS Documents, if IRS fraud occurs

 – IRS 8821 Form
 – IRS 14039 Form
• Form provided by CSID
• Copy of Government Issued Photo ID with current address

 – Driver’s License
 – State Issued Identification

• Proof of Address
Is there a charge for these services?
No, your financial institution provides these to you at no extra cost.
When are 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 personal identity theft services
This service applies only to you, the primary eligible 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, Europ Assistance U.S.A., Inc., relies on the truth of statement made in 
the Affidavit or declaration from each cardholder. This service is provided to eligible 
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 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.

master assist 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 (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
• Provides you with English-speaking legal referrals or consults with appropriate 

embassies and consulates regarding your situation.

• 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.

world travel services
As a Diners Club Card Elite cardholder, you have access to MasterCard Travel Services,™ 
a suite of benefits, amenities and upgrades, preferential treatment and premium travel 
offers from best-in-class travel companies. 
Get the most from all your travels. Whether it’s planning a last-minute getaway or the 
trip of a lifetime, learn what MasterCard Travel Services™ can offer you.
Professional 24/7 Travel Services 
Enjoy complimentary travel planning. As a Diners Club Card Elite cardholder, you 
have access to a professional travel advisor that will help you plan your trip — at your 
convenience, 24 hours a day, 7 days a week. 
For additional Diners Club Card Elite benefit details, terms and conditions, please visit: 
www.mastercard.com/world

worldwide automatic travel accident,  
baggage delay, & trip cancellation/ 
interruption insurance

The Plan
As a Cardholder, you, your spouse or domestic partner and unmarried dependent 
children will be automatically insured against accidental loss of life, limb, sight, speech or 
hearing while riding as a passenger in, entering or exiting any licensed common carrier, 
provided the entire cost of the passenger fare(s), less redeemable certificates, vouchers 
or coupons, has been charged to your Card account. If the entire cost of the passenger 
fare has been charged to your card account prior to departure for the airport, terminal 
or station, coverage is also provided for common carrier travel (including taxi, bus, train 
or airport limousine) immediately, a) preceding your departure, directly to the airport, 
terminal or station b) while at the airport, terminal or station, and c) immediately 
following your arrival at the airport, terminal or station of your destination. If the entire 
cost of the passenger fare has not been charged prior to your arrival at the airport, 
terminal or station, coverage begins at the time the entire cost of the travel passenger 
fare is charged to your card account. This coverage does not include Commutation. 
Commutation is defined as travel between the Insured Person’s residence and regular 
place of employment. Common Carrier means any land, water or air conveyance 
operated by those whose occupation or business is the transportation of persons 
without discrimination and for hire.
Important Definitions
Accident or Accidental means a sudden, unforeseen and unexpected event happening 
by chance. Dependent Child(ren) means those children, including adopted children and 
children placed for adoption, who are primarily dependent upon the Insured Person 
for maintenance and support and who are: 1) under the age of twenty-five (25) and 
reside with the Insured Person; or 2) beyond the age of twenty-five (25), permanently 
mentally or physically challenged, and incapable of self support; or 3) under the age of 
twenty-five (25) and classified as a full-time student at an institution of higher learning. 
Domestic Partner means a person designated in writing by the primary insured person, 
who is at least eighteen (18) years of age, and who during the past twelve (12) months: 
1) has been in a committed relationship with the primary insured person; and 2) has 
been the primary insured person’s sole spousal equivalent; and 3) has resided in the 
same household as the primary insured person; and 4) been jointly responsible with the 
primary insured person for each other’s financial obligation, and who intends to continue 
the relationship above indefinitely.
The Benefits
The full Benefit Amount of $1,000,000.00 is payable for accidental loss of life, two or 
more members, sight of both eyes, speech and hearing or any combination thereof. 
One half of the Benefit Amount is payable for accidental loss of: one member, sight 
of one eye, speech or hearing. “Member” means hand or foot. One quarter of the 
Benefit Amount is payable for the accidental loss of the 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 applicable at the time the entire cost of the passenger fare is charged to 
a card account. The loss must occur within one year of the accident. The Company 
will pay the single largest applicable Benefit Amount. In no event will duplicate request 
forms or multiple charge cards obligate the Company in excess of the stated Benefit 
Amounts for any one loss sustained by any one individual insured as the result of any 

one accident. In the event of multiple accidental deaths per account arising from any 
one accident, the Company’s liability for all such losses will be subject to a maximum 
limit of insurance equal to three (3) times the Benefit Amount for loss of life. Benefits 
will be proportionately divided among the Insured Persons up to the maximum limit of 
insurance.
Baggage Delay
We will reimburse the Insured Person up to the Daily Benefit Amount of $100.00 
per day for three (3) days in the event of a Baggage Delay. Our payment is limited to 
expenses incurred for the emergency purchase of essential items needed by the Insured 
Person while on a covered trip and at a destination other than the Insured Person’s 
primary residence. Essential items not covered by Baggage Delay include, but are not 
limited to: 1) contact lenses, eyeglasses or hearing aids; 2)artificial teeth, dental bridges 
or prosthetic devices; 3) tickets, documents, money, securities, checks, travelers checks 
and valuable papers; or 4) business samples. The Baggage Delay Benefit Amount is in 
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. 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. 
Financial Services Trip Cancellation / Interruption
In the event of the Insured Person’s Trip Cancellation or Trip Interruption, we will pay up 
to the Trip Cancellation/Trip Interruption Benefit Amount of $1,500.00. Our payment 
will not exceed either: 1) the actual Non−Refundable amount paid by the Insured 
Person for a Common Carrier passenger fare(s); or 2) $1,500.00. The Insured Person 
will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which 
we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption 
of the Insured Person must be caused by or result from: 1) death, Accidental injury, 
disease or physical illness of the Insured Person or an Immediate Family Member of 
the Insured Person; or 2) default of the Common Carrier resulting from Financial 
Insolvency. The death, Accidental injury, disease or physical illness must be verified by 
a Physician and must prevent the Insured Person from traveling on a Covered Trip. 
With respect to Financial Services Common Carrier Trip Cancellation/Trip Interruption 
only, this insurance does not apply to loss caused by or resulting from: 1) a Pre-Existing 
Condition; or 2) Accidental bodily injuries arising from participation in interscholastic 
or professional sports events, racing or speed contests, or uncertified scuba diving; or 
3) cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of 
a loss covered under this policy; or 4) the Insured or an Immediate Family Member 
being under the influence of drugs (except those prescribed and used as directed by 
a Physician) or alcohol; or 5) the Insured or an Immediate Family Member: a) traveling 
against the advice of a Physician; or b) traveling while on a waiting list for specified 
medical treatment; or c) traveling for the purpose of obtaining medical treatment; or 
d) traveling in the third trimester (seventh month or after) of pregnancy. Covered Trip 
means travel on a Common Carrier when the entire cost of the passenger fare for such 
transportation, less redeemable certificates, vouchers or coupons, has been charged 
to an Insured Person’s Account issued by the Policyholder. Covered Trip also means 
travel on a Common Carrier when free flights have been awarded from frequent flier or 
points programs provided that all of the miles or points were accumulated from charges 
on that card.
Financial Insolvency means the inability of the entity to provide travel services because 
it has ceased operations either following the filing of a petition for bankruptcy, whether 
voluntary or involuntary, or because it has ceased operations as a result of a denial of 
credit or the inability to meet financial obligations. Non-Refundable means amount 
of money paid by or on behalf of the Insured Person for a Covered Trip which will be 
forfeited under the terms of the agreement made with the Common Carrier for unused 
travel arrangements and for which a travel agent or travel supplier will not provide any 
other form of compensation. Immediate Family Member means the Insured Person’s: 
1) Spouse or Domestic Partner; 2) children, including adopted children or stepchildren; 
3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents−in−law; 
6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Immediate 
Family Member also means a Spouse’s or Domestic Partner’s children, including adopted 
children or stepchildren; legal guardians or wards; siblings or siblings−in−law; parents or 
parents−in−law; grandparents or grandchildren; aunts or uncles; nieces or nephews.  
Pre-Existing Condition means Accidental injury, disease or illness of the Insured Person 
or Immediate Family Member of the Insured Person which occurs or manifests itself 
during the sixty (60) day period immediately prior to the purchase date of a Common 
Carrier passenger fare(s). Disease or illness has manifested itself when: 1) medical 
care or treatment has been given; or 2) there exists symptoms which would cause a 
reasonably prudent person to seek medical diagnosis, care or treatment. The taking 
of prescription drugs or medication for a controlled condition throughout this sixty 

(60) day period will not be considered to be a manifestation of illness or disease. Trip 
Cancellation means the cancellation of Common Carrier travel arrangements when 
the Insured Person is prevented from traveling on a Covered Trip on or before the 
Covered Trip departure. Trip Interruption means the Insured Person’s Covered Trip 
is interrupted either on the way to the point of departure or after the Covered Trip 
departure. With respect to Financial Services Common Carrier Trip Cancellation/Trip 
Interruption only, the Disease or Illness Exclusion #1 below does not apply.
Eligibility
This travel insurance plan is provided to cardholders automatically when the entire  
cost of the passenger fare(s) are charged to a card account while the insurance is 
effective. It is not necessary for you to notify the administrator or the Company  
when tickets are purchased.
The Cost
This travel insurance plan is provided at no additional cost to eligible cardholders.  
BMO Harris Bank N.A. pays the premium for this insurance.
Beneficiary
The Loss of Life benefit will be paid to the beneficiary designated by the insured. If 
no such designation has been made, that benefit will be paid to the first surviving 
beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children, c) 
the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All 
other indemnities will be paid to the Insured.
Exclusions
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, 
mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or 
viral infection (except bacterial infection caused by an accident or from accidental 
consumption of a substance contaminated by bacteria), or bodily malfunctions; 2) suicide, 
attempted suicide or intentionally self inflicted injuries; 3) declared or undeclared war, 
but war does not include acts of terrorism. This insurance also does not apply to an 
accident occurring while an Insured is acting or training as a pilot or crew member, but 
this exclusion does not apply to passengers who temporarily perform pilot or crew 
functions in a life threatening emergency.
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 one (1) year 
after the deadline to submit complete proof of loss. CLAIM PAYMENT: For all benefits, 
the Company will pay you or your beneficiary the applicable benefit amount within 60 
days after complete proof of loss is received and if you, the Policyholder and/or the 
beneficiary have complied with all the terms of this policy
How to File a Claim
To file a claim please call 1-800-MasterCard. Claims are processed by the Claim 
Administrator, Crawford and Company. Complete all items on the required claim 
form, attach all appropriate documents, and mail or fax to: Crawford and Company, 
P.O. Box 4090, Atlanta, GA 30302, Fax Number 855-830-3728. Once a claim number 
is assigned, supporting documentation for the claim can also be submitted through 
www.myclaimsagent.com.
Effective Date
This insurance is effective on the date that you become an eligible cardholder; and will 
cease on the date the Master Policy 6477-44-67 is terminated or on the date your 
account ceases to be eligible, whichever occurs first.
As a handy reference guide, please read this and keep it in a safe place with your other 
insurance documents. This description of coverage is not a contract of insurance but 
is simply an informative statement of the principal provisions of the insurance while in 
effect. Complete provisions pertaining to this plan of Insurance are contained in the 
master policy on file with the Policyholder: Financial Customer Insurance Trust. If this 
plan does not conform to your state statutes, it will be amended to comply with such 
laws. If a statement in this description of coverage and any provision in the policy differ, 
the policy will govern.

Answers to specific questions can be obtained by writing the Plan Administrator: Direct 
Marketing Group 13265 Bedford Avenue, Omaha, NE 68164.

Plan Underwritten By Federal Insurance Company (“Company”) a member insurer 
of the Chubb Group of Insurance Companies 15 Mountain View Road, P.O. Box 1615.
Warren, NJ  07061-1615

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 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 (jump-starts, towing, gas delivery, and tire 
changes) are pre-negotiated. Road service fees will be automatically billed to your 
Diners Club 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 vehicles-in-tow.

• 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 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-MasterCard (1-800-622-7747). 
When out-of-country and in need of assistance, you can easily reach a specially trained 
MasterCard Global Service Representative who can help you 24 hours a day, 365 days a 
year, in any language. You can call toll-free from over 80 countries worldwide. Some of 
the key toll-free MasterCard Global Service telephone numbers are:

Australia .........................1-800-120-113  Mexico ....................001-800-307-7309

Austria ............................ 0800-21-8235 

Netherlands .................. 0800-022-5821

France............................0-800-90-1387 

Poland .......................0-0800-111-1211

Germany ....................... 0800-819-1040 

Portugal ...........................800-8-11-272

Hungary ............................06800-12517 

Spain ................................ 900-97-1231

Ireland ............................1-800-55-7378 

United Kingdom............... 0800-96-4767

Italy ................................... 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 Web site 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 Web site at www.mastercard.com to use our ATM locator. 

You can get cash at over one million ATMs worldwide. To enable cash access, be sure 
you know your Personal Identification Number (PIN) before you travel.

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.

final legal disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are purchased and provided free to you, but 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).
MasterRental, Hotel/Motel Burglary, Lost or Damaged Luggage, Purchase Assurance 
and Extended Warranty coverage is provided under a Group Policy of insurance issued 
by Virginia Surety Company, Inc. This Guide to Benefits is intended as a summary of 
benefits provided to you. The attached Key Terms and EOC and all the information 
about the insurance benefits listed in this Final Legal Disclosure is governed by the 
conditions, limitations, and exclusions of the Group Policy. 
Privacy Notice:
As the insurer of the covered card coverage described herein, Virginia Surety Company, 
Inc. (“VSC”) collects personal information about you from the following sources: 
Information the insurer gathers from you, from your request for insurance coverage 
or other forms you furnish to the insurer, such as your name, address, telephone 
number, and information about your transactions with the insurer such as claims made 
and benefits paid. The insurer may disclose all information it collects, as described 
above, to companies that perform administrative or other services on our behalf 
solely in connection with the insurance coverage you have received. The insurer does 
not disclose any personal information about former insureds to anyone, except as 
required by law. The insurer restricts access to personal information about you to those 
employees who need to know that information in order to provide coverage to you. 
The insurer maintains physical, electronic, and procedural safeguards that comply with 
federal regulations to guard your personal information. Should you have any questions 
about the insurance procedures or the information contained within your file, please 
contact the insurer by writing to:
Compliance Department 
Virginia Surety Company, Inc. 
175 West Jackson Blvd., Chicago, IL 60604
Effective date of benefits:
Effective September 22, 2014, this Guide to Benefits replaces all prior disclosures, 
program descriptions, advertising, and brochures by any party. The Policyholder and 
the insurer reserve the right to change the benefits and features of these programs at 
anytime. 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 at least sixty (60) days 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. 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 card 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.
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: Benefits 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 between You and VSC 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 Your and Our 
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, either You or VSC 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. You and VSC 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 You and VSC. Unless otherwise agreed to by You 
and VSC, 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 Illinois (without giving effect to its conflict of law principles) govern all matters 
arising out of or relating to this EOC and all transactions 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” 
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, the insurance company is entitled 
to recover such amounts from other parties or persons. Any party or cardholder who 
receives payment under these benefits must transfer to the insurance company 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, the claim administrator may request that the 
cardholder or gift recipient send the item to the administrator for salvage at the 
cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage 
to the claim administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to any other applicable insurance or indemnity 
available to You. Coverage is limited to only those amounts not covered by any other 
insurance or indemnity. It 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. 
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.
CC-FLD (9.08)

This Guide is intended as a summary of services, benefits, and coverages and, in case 
of a conflict between the Guide and the master insurance policies, or an issuer’s, or 
the MasterCard actual offerings, such master policies or actual offering shall control. 
Provision of services is subject to availability and applicable legal restrictions.

Diners Club and Diners Club International with the Split Circle Device 
are registered trademarks of Diners Club International Ltd.

To file a claim, call 1-800-MasterCard, or en Español: 1-800-627-8372. 
Visit our Website at www.mastercard.com.

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