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 October 1, 2019. This Guide supersedes 
any guide or program description you may have received earlier.

To file a claim or for more information on any of these services, 
call the Mastercard Assistance Center at 1-800-Mastercard or 
en Espanol: 1-800-633-4466.

“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

BMO Harris Bank N.A.

Key Terms
You and Your refer to the cardholder or authorized user of the covered 
card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG 
company. Other words and phrases that appear in bold have special meaning. 
Administrator means Sedgwick Claims Management Services, Inc., 
you may contact   the administrator if you have questions regarding this 
coverage or would like to make a claim. The administrator can be reached 
by phone at 1-800-Mastercard.
Assistance Center shall mean the designated assistance teams trained 
to provide customer services and coordination of qualified local providers to 
travelers in real time.
Authorized driver(s) means a driver with a valid driver’s license issued 
from their state of residence and indicated on the rental agreement.
Authorized User means an individual who is authorized to make 
purchases on the covered card by the cardholder and is recorded by the 
participating organization on its records as being an authorized user.
Cardholder means the person who has been issued an account by the 
participating organization for the covered card.
Carry-on luggage means suitcases or other containers specifically 
designated for carrying personal property, which are carried on board a 
common carrier by you.
Charge means any non-refundable cancellation or change fee imposed by 
the common carrier.
Checked luggage means suitcases or other containers specifically 
designated for carrying personal property, for which a claim check has been 
issued to you by a common carrier.
Common carrier means an air, land, or water motorized transportation 
carrier operating under a regularly published schedule and current license as 
required by law for the conveyance of passengers. Common carrier does not 
include helicopters, taxis, rental cars, hired cars, and private and contract carriers.
Covered card means the active and valid Mastercard-branded Diners Club 
Card Elite payment card.
Damage means items that can no longer perform the function they were 
intended to do in normal service due to broken parts, material or structural failures. 
Eligible cellular wireless telephones means the cellular telephones 
associated with the primary line and additional statement from a cellular provider 
for the billing cycle preceding the month in which the theft or damage occurred.
Eligible Person means a Cardholder who charges his or her monthly bill for 
an eligible cellular wireless telephone to his or her Covered Card. No person or 
entity other than the eligible person(s) described shall have any legal or equitable 
right, remedy or claim for the insurance proceeds arising out of this coverage.
Evidence of Coverage (EOC) means the summary of benefits set forth 
below which describe the terms, conditions, limitations and exclusions of the 
coverage provided to you at no additional charge under the group policy. 
Representations or promises made by anyone that are not contained in the 
group policy are not part of your coverage. In the event the EOC, Key Terms, 
or Legal Disclosures of this Guide to Benefits conflict with the provisions of the 
group policy, the terms of the group policy govern your coverage.
Family Member means the spouse or domestic partner of you. It includes 
unmarried children of you under nineteen (19) years of age. It also includes 
unmarried children under twenty-six (26) years of age if a full-time student at 
an accredited college or university.
Injury means bodily injury caused by an accident that occurs while you are 
covered under this program, and results directly and independently of all other 
causes of loss. The injury must be verified by a physician.

1

Diners Club Card Elite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.
Medically imposed restrictions means a restriction certified by your 
physician prohibiting you from traveling on a common carrier.
Physician means a licensed medical, surgical, or dental practitioner acting 
within the scope of his or her license. The treating physician may not be you, 
your family member, a traveling companion or related to you by blood.
Pre-existing medical condition means any condition resulting from any 
injury or sickness affecting you, a traveling companion, or a family member traveling 
with you within the sixty (60) day period prior to the purchase date of your trip. 
The condition must have (a) first manifested itself or exhibited symptoms which 
would have caused one to seek diagnosis, care, or treatment; (b) required taking 
prescribed drugs or medicine; or (c) required medical treatment or treatment was 
recommended by a physician. Taking maintenance medications for a condition that 
is considered stable shall not be included as a pre-existing medical condition.
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.
Return destination means the place to which you expect to return from 
your trip as indicated on your common carrier ticket.
Sickness means an illness or disease that is diagnosed or treated by a physician.
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.   
Traveling companion means any individual(s) with whom you have 
arranged to travel on the same trip with the same itinerary and for which the 
cost of the trip was charged with your covered card. 
Trip means a scheduled period of travel with a destination and return 
destination away from your primary residence using a common carrier.
Trip departure date means the date on which you are originally 
scheduled to leave on your trip. 
Trip completion date means the date on which you are scheduled to 
return to the return destination. 
United States Dollars (USD) means the currency of the United States 
of America.
Vehicle means a land motor vehicle with four wheels that is designed for 
use on public roads and intended for use on a bound surface such as concrete 
and tarmac. This includes minivans and sport utility vehicles that are designed 
to accommodate less than nine (9) passengers.

MasterRental
Various provisions in this document restrict coverage. Read carefully to determine 
all rights and duties and what is and is not covered. Please see the ‘Key Terms’ 
section for the terms used throughout this benefit.

Evidence of Coverage 
This EOC replaces all prior disclosures, program descriptions, advertising, and brochures 
by any other party. We reserve the right to change the benefits and features of these 
programs at any time. Notice will be provided for any changes. Pursuant to the below 
terms and conditions herein, when you rent a vehicle for thirty-one (31) consecutive 
days or less with your covered card, you are eligible for benefits hereunder.

A. To get coverage:
•  You must initiate and then pay for the entire rental agreement 

(tax, gasoline, and airport fees are not considered rental charges) with your 

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Guide to Benefitscovered card and/or the accumulated points from your covered card at the 
time the vehicle is returned. If a rental company promotion/discount of any 
kind is initially applied toward payment of the rental vehicle, at least one (1) 
full day of rental must be billed to your covered card.

•  You must decline the optional collision/damage waiver (or similar coverage) 

offered by the rental company.

•  You must rent the vehicle in your own name and sign the rental agreement.
•  Your rental agreement must be for a rental period of no more than 

thirty-one (31) consecutive days. Rental periods that exceed or are intended 
to exceed thirty-one (31) consecutive days are not covered.

B. The kind of coverage you receive:
We will pay for the following on a secondary basis:
•  Physical damage and theft of the vehicle, not to exceed the limits outlined below.
•  Reasonable loss of use charges imposed by the vehicle rental company for the 
period of time the rental vehicle is out of service. Loss of use charges must be 
substantiated by a location and class specific fleet utilization log.

•  Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not cover such things as personal 
injury, personal liability, or personal property. It does not cover you for any damages to 
other vehicles or property. It does not cover you for any injury to any party.

C. Coordination of Benefits:
When coverage hereunder is provided on a secondary basis and a 
covered loss has occurred, the order in which benefits are determined 
shall be made as follows:
1. You or an authorized driver’s primary auto insurance;
2. Collision/damage waiver provided to you by the rental agency;
3. Any other collectible insurance;
4. The coverage provided under this EOC.
If you or an authorized driver’s primary auto insurance or other coverage 
has made payments for a covered loss, we will cover your deductible and any 
other eligible amounts, described under the kind of coverage you receive, not 
covered by the other insurance.
Note: In certain parts of the United States and Canada losses to rental 
vehicles that are covered by your personal vehicle liability insurance policy 
may not be subject to a deductible, which means that you may not be eligible 
to receive any coverage under this program. Contact your insurance provider 
for full coverage details pertaining to your personal vehicle liability insurance 
policy (or similar coverage).
If you do not have other insurance or your insurance policy does not cover 
you in territories or countries outside of the United States, coverage is 
considered primary coverage subject to any applicable economic and trade 
sanctions conditions.

D. Who is covered:
The covered card cardholder and those designated in the rental 
agreement as authorized drivers.

E. Excluded Vehicles:
This coverage does not apply to any:
• Vehicles not required to be licensed.
•  All full-size vans mounted on truck chassis (including, but not limited to, Ford 
EconoVan), cargo vans, campers, off-road vehicles, and other recreational 
vehicles.

•  Trailers, motorbikes, motorcycles, and any other vehicle having fewer than 

four (4) wheels.

•  Antique vehicles (vehicles that are more than twenty (20) years old or have 

not been manufactured for at least ten  (10) years), or limousines.

F. Where you are covered: 
Coverage is available worldwide; provided coverage is not available in 
countries where: 
• This EOC or the group policy is prohibited by that country’s law;

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Diners Club Card Elite•  The terms of the EOC or the group policy are in conflict with the laws of 

that country.

In addition, we shall not be deemed to provide coverage and we shall not be 
liable to pay any claim or provide any benefit under the group policy to the extent 
that the provision of such coverage, payment of such claim or provision of such 
benefit would expose us, our parent company or its ultimate controlling entity to 
any sanction, prohibition or restriction under United Nations resolutions or the 
trade or economic sanctions, laws or regulations of the European Union or the 
United States of America. Wherever coverage provided by this policy would be in 
violation of any economic or trade sanctions, such coverage shall be null and void.

G. Coverage limitations:
We will pay the lesser of the following:
•  Reasonable and customary charges of repair or the actual repair amount;
•  Wholesale market value less salvage and depreciation;
•  The rental agencies purchase invoice less salvage and depreciation;
•  The contractual liability assumed by you or an authorized driver of the rental 

vehicle; or

•  The actual cash value.
In addition, coverage is limited to $500 per incident for the reasonable loss of 
use charges imposed by the vehicle rental company for the period of time the 
rental vehicle is out of service. We will not pay for or duplicate the collision/
damage waiver coverage offered by the rental agency. 

H. What is NOT covered:
This coverage does not apply to:
•  Any personal item actually or allegedly stolen from the interior or exterior 

of rental vehicles.

•  Vehicle keys or portable Global Positioning Systems (GPS).
•  Vehicles not rented by the cardholder or authorized user on the covered card.
•  Any person not designated in the rental agreement as an authorized driver.
•  Any obligations you assume other than what is specifically covered under the 
rental agreement or your personal vehicle liability insurance policy or other 
indemnity policy.

•  Any actual or alleged violation of the written terms and conditions of the 

rental agreement.

•  Any actual or alleged loss that occurs while driving under the influence of 

drugs or alcohol.

•  Any actual or alleged loss associated with racing or reckless driving.
•  Any actual or alleged losses involving the theft of the rental vehicle when 
you or an authorized driver cannot produce the keys to the rental vehicle 
at the time of reporting the incident to the police and/or rental agency, as a 
result of negligence. Loss of keys is considered negligence.

•  Mechanical failures caused by wear and tear, gradual deterioration, or 

mechanical breakdown.

•  Subsequent damages resulting from a failure to protect the rental vehicle 

from further damage.

•  Blowouts or tire/rim damage unless caused by theft, vandalism or 

vehicle collision.

•  Rental vehicles where collision/damage waiver coverage (or similar 

coverage) was accepted/purchased by you.

•  Any damage that is of an intentional or non-accidental nature, caused by you 

or an authorized driver of the rental vehicle.

•  Depreciation, diminishment of value, administrative, storage, or other fees 

charged by the vehicle rental company.

•  Vehicles with a rental agreement that exceeds or is intended to exceed a 
rental period of thirty-one (31) consecutive days from a rental agency.

•  Losses resulting from any kind of alleged or actual illegal activity.
•  Damage sustained on any road not regularly maintained by a municipal, 

state, or federal entity.

•  Losses as a result of war or hostilities of any kind (including, but not limited 

to, any actual or alleged invasion, terrorism, rebellion, insurrection, riot, or civil 

4

Guide to Benefitscommotion); confiscation or damage by any government, public authority, or 
customs official; risks of contraband; illegal activity or acts.

•  Any loss involving the rental vehicle being used for hire, for commercial use, 

or as a public or livery conveyance.

•  Theft of, or damage to, unlocked or unsecured vehicles.
•  Value-added tax, or similar tax, unless reimbursement of such tax is required 

by law.

•  Vehicles rented on a monthly basis.
•  Loss arising from any items not installed by the original manufacturer.
•  Loss arising from any inherent damage.
•  Damage to windshields which is not the result of a collision or 

roll-over (damage to a windshield is covered if such damage is due 
to road debris or road hazard).

•  Vehicle leases or mini-leases.
•  Indirect or direct damages resulting from a covered claim.
•  Charges for gasoline or airport fees.

I. How to file a claim:
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate 
a claim. You must report the claim within sixty (60) days of the loss or the 
claim may not be honored.

•  You may choose to assign your benefits under this insurance program to the 
rental agency from which you rented your vehicle. Please contact us or our 
administrator for further details.

•  You must submit the following proof of claim documentation 

within one hundred and eighty (180) days of the incident or the 
claim will not be covered:
-- Receipt showing the vehicle rental charge.
-- Statement showing the vehicle rental charge.
-- The rental agreement (front and back).
-- Copy of your valid driver’s license (front and back). 
-- Copy of the declarations page of any personal vehicle liability insurance 

policy and/or other valid insurance or coverage.

-- Police report when the vehicle is stolen, vandalized (regardless of the 

damage), or involved in a collision that requires the vehicle; to be towed, 
in a multi-vehicle collision, or the vehicle is not drivable.
--
Itemized repair estimate from a factory registered collision repair facility.
-- Copy of any vehicle rental company promotion/discount, if applicable.
-- Copy of the vehicle rental location class specific fleet utilization log, if loss of 

use charges are being claimed. You must secure this log from the rental agency.
-- Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

Lost or Damaged Luggage
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
appear in bold and Legal Disclosures.

A. To get coverage:
You must pay the entire cost of the common carrier ticket(s) with your 
covered card and/or accumulated points from your covered card.

B. The kind of coverage you receive:
•  Reimbursement for the actual cost of repairing or replacing your 

checked or carry-on luggage and personal property contained therein that 
is lost or damaged.

•  Coverage begins when the luggage is checked in or carried on to the 
common carrier by you. This includes curbside check in with facility 
designated personnel.

•  Coverage ends each time you regain possession of the checked luggage from, 
or carry the luggage off  of the common carrier or twenty-four (24) hours after 
you depart from the common carrier, whichever comes first.

5

Diners Club Card Elite•  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:
•  Visit www.mycardbenefits.com or call 1-800-Mastercard to open a 

claim. You must report the claim within sixty (60) days of the incident or the 
claim may not be honored.

•  Report within twenty-four (24) hours any loss or damage to the 

common carrier.

•  Submit the following documentation within one hundred and eighty (180) 

days of the date of incident or the claim may not be honored:
-- 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.

6

Guide to Benefits-- Covered card travel point program statement showing the common 

carrier ticket was paid for with redeemed points.

-- Report from police, if applicable.
-- The result of any settlement by the common carrier.
-- Receipts showing that your luggage or personal property has actually 

been repaired or replaced.

-- Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

Purchase Assurance
Various provisions in this document restrict coverage. Read carefully to determine 
all rights and duties and what is and is not covered. Please see the ‘Key Terms’ 
section for the terms used throughout this benefit. 

Evidence of Coverage
Pursuant to the below terms and conditions, when an item you bought with 
your covered card is damaged or stolen within ninety (90) days of purchase, 
you may be eligible for benefits under this coverage.

A. To get coverage:
You must purchase the new item entirely with your covered card and/or 
accumulated points from your covered card for yourself or to give as a gift.

B. The kind of coverage you receive: 
•  Most items you purchase entirely with your covered card are covered 
if damaged or stolen for ninety (90) days from the date of purchase as 
indicated on your covered card’s receipt.

•  Items you purchase with your covered card and give as gifts also are covered.
•  This coverage is secondary to any other applicable insurance or coverage 
available to you or the gift recipient. Coverage is limited to only those 
amounts not covered by any other insurance or coverage benefit.

C. Coverage limitations: 
•  Coverage is limited to the lesser of the following: 

- The actual cost of the item (excluding delivery and transportation costs). 
-  A maximum of $1,000 per loss and a total of $25,000 per cardholder 
account per twelve (12) month period.

•  Purchases that are made up of a pair or set will be limited to the cost of 

repair or replacement of the specific item stolen or damaged. If the specific 
item cannot be replaced individually or repaired, the value of the pair or set 
will be covered not to exceed the limits above.

•  Coverage for actual or alleged stolen or damaged jewelry or fine art will be 
limited to the actual purchase price as listed on your cardholder statement, 
regardless of sentimental or appreciated market value.

•  We shall not be deemed to provide coverage and we shall not be liable to pay 
any claim or provide any benefit under the group policy to the extent that the 
provision of such coverage, payment of such claim or provision of such benefit 
would expose us, our parent company or its ultimate controlling entity to any 
sanction, prohibition or restriction under United Nations resolutions or the 
trade or economic sanctions, laws or regulations of the European Union or the 
United States of America. Wherever coverage provided by this policy would be in 
violation of any economic or trade sanctions, such coverage shall be null and void.

D. What is NOT covered: 
This coverage does not apply to: 
•  Items left in public sight, out of arm’s reach, lacking care, custody or control 

by the cardholder.

•  Lost items, and items that mysteriously disappear (the only proof of loss is 

unexplained or there is no physical evidence to show what happened to the 
item) without any evidence of a wrongful act.

•  Items that are actually or allegedly stolen from any location or place (including, 
but not limited to, exercise facilities, places of employment, schools, or places of 
worship) due to the lack of due diligence by you or another party.

7

Diners Club Card Elite•  Items lost, stolen, damaged, or mis-delivered while under the care, custody, 

and control of another party or common carrier (including, but not limited to, 
airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).

•  Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.
•  Losses resulting from any dishonest, fraudulent, or criminal act committed or 

arranged by you.

•  Losses that cannot be verified or substantiated.
•  Items covered by a manufacturer’s recall or class action suit.
•  Items that you damage through alteration (including, but not limited to, 

cutting, sawing, shaping).

•  Used or antique items; collectibles of any kind (such as items designed for 
people to collect or items that over time become collectibles); recycled, 
previously owned, refurbished, rebuilt, or remanufactured items.
•  Stolen items without a documented report from law enforcement.
•  Items that are damaged during transport via any mode.
•  Items stolen from the interior or exterior of a watercraft/boat, aircraft, 

motorcycle, automobile or any other motor vehicles.

•  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, 

aircraft, and motorcycles, or their motors, equipment, or accessories. Motorized 
equipment not designed for transportation and used solely for the upkeep and 
maintenance of a residence is eligible for coverage (including, but not limited to, 
snow thrower, lawn mowers, and hedge trimmers).

•  Land, any buildings (including, but not limited to, homes and dwellings), 

permanently installed items, fixtures, or structures.

•  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, 

concerts, or lottery), negotiable instruments, bullion, rare or precious metals, 
stamps, and coins, currency or its equivalent.

•  Losses caused by insects, animals, or pets.
•  Plants, shrubs, animals, pets, consumables, and perishables.
•  Items purchased for resale, rental, professional, or commercial use.
•  Professional services (including, but not limited to, the performance or 

rendering of labor or maintenance; repair or installation of products, goods, 
or property; professional advice of any kind, including, but not limited to, 
information/services or advice secured from any help or support line; or 
technical support for software, hardware, or any other peripherals).

•  Application programs, computer programs, operating software, 

and other software.

•  Losses resulting from war or hostilities of any kind (including, but not limited 

to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); 
confiscation or damage by any government, public authority, or customs 
official; risks of contraband; illegal activity or acts.

•  Losses caused by power surge, contamination by radioactive or hazardous 

substances, including mold.

•  Direct or indirect loss resulting from any Acts of God (including, but not 

limited to, flood, hurricane, lightning, and earthquake).

•  Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
•  Game animals, pets, or specimens preserved for display (e.g., fish, birds, 

reptiles, or mammals).

•  Items actually or allegedly stolen or damaged at a new home construction site.
•  Rented, leased, or borrowed items for which you will be held responsible.
•  Trip, service, or diagnostic charges in the absence of any covered repairs or 

verified failure.

•  Any shipping charges, transportation and delivery charges, or promised 

time frames for delivery, whether or not stated or covered by the 
manufacturer’s warranty.

•  Interest or conversion fees that are charged to you on the covered card by 

the corresponding financial institution.

E. How to file a claim: 
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate 
a claim. You must report the claim within sixty (60) days of the loss or the 
claim may not be honored.

8

Guide to Benefits•  You must submit the following documentation within one hundred and 

eighty (180) days of the date you report the claim:
- Repair estimate for damaged item(s).
-  Photograph clearly showing damage, if applicable.
-  Receipt showing purchase of covered item(s). 
-  Statement showing purchase of covered item(s). 
-  Report from police listing any items stolen.
-  Copy of the declarations page of any applicable insurance policy(ies) or 
protection (including, but not limited to, homeowner’s, renter’s, or auto 
insurance policy(ies)).

-  Any other documentation that may be reasonably requested by us or our 
administrator to validate a claim.

Legal Disclosure 
Please see the ‘Legal Disclosure’ section for all disclosures for this benefit.

Extended Warranty
Evidence of Coverage 
Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
appear in bold and Legal Disclosures.

A. To get coverage: 
•   You must purchase the new item entirely with your covered card and/or 

accumulated points from your covered card for yourself or to give as a gift.

•   The item must have an original manufacturer’s (or U.S. store brand) 

warranty of twenty-four (24) months or less.

B. The kind of coverage you receive: 
•  Extended warranty doubles the original manufacturer’s warranty up to a 

maximum of twenty-four (24) months on most items you purchase. For products 
with multiple warranty components, each warranty time period will be extended 
up to a maximum of twenty-four (24) months. An example of a product with 
multiple warranty components includes an appliance with original manufacturer’s 
(or U.S. store brand) warranties that differ for parts, labor, compressor, etc.
•  If you purchase a service contract or an optional extended warranty of 
twenty-four (24) months or less on your item, we will cover up to an 
additional twenty-four (24) months after both the original manufacturer’s (or 
U.S. store brand) warranty and the purchased service contract or extended 
warranty coverage period end. If your service contract or extended warranty 
exceeds twenty-four (24) months, this coverage does not apply.

•  If you do not have an additional service contract or an optional extended 
warranty, this extended warranty benefit commences the day after your 
original manufacturer’s (or U.S. store brand) warranty expires.

C. Coverage limitations: 
•  The maximum benefit for repair or replacement shall not exceed the actual 

amount charged on your covered card or $10,000, whichever is less.

•  If either the original manufacturer’s (or U.S. store brand) warranty or the service 
contract covers more than twenty-four (24) months, this benefit will not apply.

•  We or our administrator will decide if a covered failure will be repaired or 
replaced, or whether you will be reimbursed up to the amount paid for the 
item. Items will be replaced with those of like kind and quality. However, we 
cannot guarantee to match exact color, material, brand, size, or model.

D. What is NOT covered: 
•  Used or antique items; collectibles of any kind (such as items designed for 
people to collect or items that over time become collectibles) that do not 
come with a manufacturer’s warranty (repair or replacement amount will not 
include market value at time of claim); recycled, previously owned, refurbished, 
rebuilt, or remanufactured items; product guarantees (e.g., glass breakage).
•  Floor models that do not come with an original manufacturer’s warranty.

9

Diners Club Card Elite•  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.

E. How to file a claim: 
•  Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. 
You must report the claim within sixty (60) days of the failure or the claim 
may not be honored.

•  Submit the following documentation within one hundred and eighty (180)  

days from the date of failure or the claim may not be honored:  
-  Receipt showing covered item(s).
- Statement showing covered item(s).
- Itemized purchase receipt(s).
- Original manufacturer’s (or U.S. store brand) warranty.
- Service contract or optional extended warranty, if applicable.
- Itemized repair estimate from a factory authorized service provider.
-  Any other documentation that may be reasonably requested by us or our 
administrator to validate a claim.

Mastercard ID Theft Protection™
Program Description:
Mastercard ID Theft Protection (IDT) provides you with access to a number 
of identity theft resolution services, should you believe you are a victim of 
identity theft. This product offering will alert you about possible identity theft 
by monitoring  the surface, dark and deep web, searching for compromised 
credentials and potentially damaging use of your registered personal 
information in order to detect fraud at its inception.

10

Guide to BenefitsEligibility:
All Mastercard consumer credit cardholders in the US are eligible for 
this coverage.

Access:
Simply contact 1-800-Mastercard if you believe you have been a victim 
of identity theft.

Services provided:
Services provided are on a 24-hour basis, 365 days a year. In order 
to receive the following services, you must enroll at 
https://mastercardus.idprotectiononline.com/. The services include:
•  Online Monitoring Dashboard (requires activation): The online 
monitoring dashboard is the primary user interface for cardholders. It 
serves as a repository of all the personally identifiable information (PII) data 
the cardholder wants to monitor, tracks and displays cardholders’ risk score, 
and provides access to identity protection tips. It is also the platform for 
cardholders to respond to identity monitoring alerts.

•  Monthly Risk Alert/Newsletter: Cardholders will receive a monthly 
newsletter with information on the cardholder’s risk score, and articles 
pertaining to good identity protection practices.

•  Identity Monitoring: IDT searches the internet to detect compromised 
credentials and potentially damaging use of your personal information, and 
alerts you via email so that you can take immediate action. This platform 
utilizes automated monitoring and human threat intelligence from cyber 
operations agents monitoring threat actors and their tactics on the dark 
and deep web where personal data is bought and sold. Data elements that 
can be monitored are:

  - Email addresses
  - Debit/credit cards/prepaid cards
  - Bank accounts
  - Web logins; username and password
  - Medical insurance cards
  - Drivers’ license
  - Loyalty cards
  - Affinity cards
  - Passport number
  - Vehicle insurance cards
  - Social Security number
To take advantage of this service, the cardholder must enter the personal 
information they wish to monitor on the dashboard.
•  Resolution Services: You will have access to a team of identity theft 
resolution specialists, available 24 hours a day, 365 days a year to help 
resolve your identity theft incident and prevent further damage. The 
resolution specialists are native speakers of English, French and Spanish, and 
are based out of Bethesda, Maryland. Cardholders are given the option to 
sign limited power of attorney (LPOA) to the specialist, to allow them to 
conduct resolution activities on the cardholders’ behalf, including contacting 
police, credit agencies, and other authorities, translating information, and 
closing and replacing breached accounts.

•  Lost Wallet Assistance: Cardholders will be provided assistance with notifying 
the appropriate issuing authorities to cancel and replace stolen or missing items, 
such as their debit/credit cards, driver’s license, Social Security card, and passport.

•  Single Bureau Credit Monitoring: Cardholders’ TransUnion credit file will be 
monitored for changes that could indicate fraud such as new credit inquiries, an 
address change or new credit account(s) opened in their name. An alert notification 
via email will be sent anytime a hard inquiry is made on the cardholders’ TransUnion 
credit file so they can take immediate action to minimize damage. 
To take advantage of this service, the cardholder must enter their Social 
Security number on the dashboard and pass credit authentication.

11

Diners Club Card Elite•  Financial Account Takeover: IDT monitors cardholder’s high-risk 

transactions with more than 300 of the nation’s largest companies to uncover 
and thwart account takeover attempts. Monitored transactions include:

  - Debit/credit cards/prepaid cards
  - Bank accounts
  - Brokerage accounts
  - Healthcare portals
  - Workplace intranets
  - Other services (e.g., peer-to-peer fund transfers) 
   To take advantage of this service, the cardholder must enter the accounts 

they wish to protect on the dashboard.

•  URL and Domain Monitoring: URL and domain monitoring allows 

cardholder to enter up to 10 domain or URL names related to cardholder’s 
business. This service will monitor the domain and URL names for any 
compromised email addresses associated with the domain or URL names and 
if compromised email addresses are found in a data breach, this service will 
alert the registered cardholder via email and provide information regarding the 
specific email address that was breached along with information about the date 
found and source (provided that this information is available).

For more information regarding the services stated above and additional 
information, please visit https://mastercardus.idprotectiononline.com.

Charges:
There is no charge for these services, they are provided by your 
financial institution.
Services not provided:
•  When it is determined you have committed any dishonest, criminal, 

malicious or fraudulent act.

•  When your financial institution or card issuer which provides this 

service, has investigated the event and deemed you are responsible 
for the charge or event.

•  When any theft or unauthorized use of an account by a person to whom 

the account has been entrusted has been committed.

Program Provisions for Mastercard ID Theft Protection:
This service applies only to you, the named Mastercard cardholder. You shall use 
due diligence and do all things reasonable to avoid or diminish any loss or damage 
to property protected by the program. The provider, Generali Global Assistance, 
relies on the truth of statement made in the affidavit or declaration from each 
cardholder. This service is provided to eligible Mastercard cardholders at no 
additional cost and is in effect for acts occurring while the program is in effect. 
The terms and conditions contained in this program Guide may be modified by 
subsequent endorsements. Modifications to the terms and conditions may be 
provided via additional Guide mailings, statement inserts, or statement messages. 
Mastercard or your financial institution can cancel or non-renew these services, 
and if we do, we will notify you at least thirty (30) days in advance. If the provider 
non-renews or cancels any services provided to eligible Mastercard cardholders, 
you will be notified within 30–120 days before the expiration of the service 
agreement. In the event substantially similar coverage takes effect without 
interruption, no such notice is necessary. For general questions regarding these 
services, please contact 1-800-Mastercard.

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 

12

Guide to Benefitsthe assistance service is free to cardholders. Please keep in mind that you will 
be responsible for the fees incurred for professional or emergency services 
requested of Travel Assistance Services (e.g., medical or legal bills).
*  Travel Assistance Services are available worldwide, with the exception of 
those countries and territories which may be involved in an international 
or internal conflict, or in those countries and territories where the existing 
infrastructure is deemed inadequate to guarantee service. You may contact 
us prior to embarking on a covered trip to confirm whether or not services 
are available at your destination(s).

MasterTrip® Travel Assistance:
Before you begin your trip, MasterTrip provides information on travel 
requirements including documentation (e.g., visas, passports), immunizations or 
currency exchange rates. The exchange rate provided may differ from the exact 
rate that issuers use for transactions on your card. Information on exchange rates 
for items billed on your statement should be obtained from the financial institution 
that issued your card. MasterTrip will also help you locate any lost or stolen travel 
materials, including luggage. This is not an insurance policy for lost/stolen luggage 
and we do not reimburse you for a permanent loss.

If you have a travel emergency and need cash, MasterTrip can arrange to transfer 
up to $5,000 from a family member, friend, or business account.
This service does not provide maps or information regarding road conditions.

Travel Services Medical Assistance:
Provides a global referral network of general physicians, dentists, hospitals and 
pharmacies. We can also help you refill prescriptions with local pharmacists 
(subject to local laws).
In the event of emergencies, a stateside physician or nurse can be contacted 
for consultation with the local medical staff and to monitor your condition. If 
you are hospitalized, we can arrange to have messages relayed home, transfer 
you to another facility if medically necessary, or have a family member or close 
friend brought to your bedside if you have been traveling alone (at cardholder’s 
expense). If a tragedy occurs, we’ll assist in securing travel arrangements for you 
and your travel companion(s).

MasterLegal® Referral Service:
This service provides you with English-speaking legal referrals or consults with 
appropriate embassies and consulates regarding your situation.
This service will assist in transfers up to $5,000 in cash from a family member, 
friend or business to cover legal fees or to post bail. There is no charge for referral 
services; however, legal and bail fees are your responsibility.

Master RoadAssist® Roadside Service:
(Available only when traveling in the 50 United States and the District 
of Columbia)
If your car breaks down on the road, just call 1-800-Mastercard and tell us 
where you are. We’ll send someone to the rescue. This is not only reassuring, 
but it may also save you money because fees for many services (e.g., jumpstarts, 
towing, gas delivery, and tire changes) are pre-negotiated. Road service fees will 
be automatically billed to your Mastercard account.
You are responsible for emergency road service charges incurred by towing 
facilities responding to your dispatch, even if you are not with your vehicle (or it’s 
gone) when the tow truck arrives. Mastercard International is not responsible or 
liable for the service the towing facility provides. Towing facilities are independent 
contractors, solely liable for their services.
Emergency road service is not available in areas not regularly traveled, in “off 
road” areas not accessible by ordinary towing vehicles, or for over one-ton 
capacity trailers, campers or if you have a rental car, be sure to call the rental car 
agency before you call 1-800-Mastercard, as many rental agencies have special 
procedures regarding emergency road service assistance.

13

Diners Club Card EliteMastercard Travel & Lifestyle Services 
As a World or World Elite Mastercard® cardholder, you have access to 
Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, 
preferential treatment and premium travel offers from best-in-class travel 
companies across hotels, air travel, tours, cruises, car rentals and more*. Get the 
most from all your travels whether you are planning a last-minute getaway or 
your dream family vacation. As a Mastercard® cardholder, you have access to a 
lifestyle manager that will help you plan your vacation - complimentary, at your 
convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard 
Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which 
deliver value and peace of mind. 
 *  Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel 
bookings are being made by Mastercard, nor is Mastercard acting as a travel 
agency or providing any travel consultation or advice, in connection with 
Mastercard Travel & Lifestyle Services.

**  Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid 

hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel 
& Lifestyle Services program either online or through an authorized program 
agent using your Mastercard and then find the same hotel room type, in the 
same hotel, for the same dates, the same number of children and adults, at 
a lower price online, before taxes and fees, we’ll refund you the difference. 
To receive a refund you must submit a claim as described in the terms and 
conditions prior to your stay and at least seventy-two (72) hours before the 
date of your reservation check-in.

***   Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services 
Hotel Stay Guarantee is simple – if you book your three star or higher hotel 
stay through the Mastercard Travel & Lifestyle Services program and you 
encounter problems with the hotel, contact Ten Lifestyle Group plc, the 
designated travel agent for the Mastercard Travel & Lifestyle Services program 
at toll free (US) 1-800-336-6420 during your stay and a Ten lifestyle manager 
will attempt to make it right for the remainder of your stay by working directly 
with the hotel to try to resolve your issue or will make efforts to find you 
comparable accommodations.

Certain terms, conditions and exclusions apply. Full details are available at 
www.mastercard.com/world.

Mastercard Airport ConciergeTM
Your passport to the finer side of air travel. 

Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a 
personal, dedicated Meet and Greet agent to escort you through the airport 
on departure, arrival or any connecting flights at over 700 destinations 
worldwide 24 hours a day, 7 days a week, 365 days a year. There are also 
certain airports where you can be expedited through the security and/or the 
immigration process. To reserve Mastercard Airport Concierge services visit 
www.mastercard.com/airportconcierge or consult your travel advisor.

Mastercard Global ServiceTM
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.

14

Guide to BenefitsIn the United States (including all 50 states, the District of Columbia, the U.S. 
Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can easily reach a 
specially trained Mastercard Global Service Representative who can help you 
24 hours a day, 365 days a year, in any language. You can call toll-free from 
over 80 countries worldwide. Some of the key toll-free Mastercard Global 
Service telephone numbers are:

0800-070-6138

Netherlands

0-800-90-1387

Poland

0-0800-111-1211

Australia

1-800-120-113

Mexico

Austria

France 

Germany

Hungary 

 0800-071-3542

Portugal 

06800-12517

Spain 
United 
Kingdom
Virgin Islands

Ireland

1-800-55-7378

Italy

800-870-866

001-800-307-
7309
0800-022-5821

800-8-11-272

900-822-756

0800-96-4767

1-800-307-7309

For additional information, or for country-specific, toll-free telephone numbers 
not listed above, visit our website at www.mastercard.com 
or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits:
When in the United States, contact your card issuer directly for account 
information and 1-800-Mastercard for card benefits. When traveling outside 
the U.S., call Mastercard Global Service to access your card issuer for account 
information or to access any of your card benefits.

ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM 
in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® 
brands. Also, visit our website at www.mastercard.com to use our ATM locator.

You can get cash at over two million ATMs worldwide. To enable cash access, be 
sure you know your Personal Identification Number (PIN) before you travel 

Worldwide Automatic Travel 
Accident &  Baggage Delay
The Plan:
As a Mastercard 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 Mastercard card account. If the entire cost of the passenger fare has been 
charged to your Mastercard 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 Mastercard 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.

15

Diners Club Card Elite 
 
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 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 the eligible Mastercard 
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 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 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.

Eligibility:
This travel insurance plan is provided to Mastercard cardholders automatically 
when the entire cost of the passenger fare(s) are charged to a Mastercard account 
while the insurance is effective. It is not necessary for you to notify your financial 
institution, the administrator or the company when tickets are purchased.

16

Guide to BenefitsThe Cost:
This travel insurance plan is provided at no additional cost to eligible Mastercard 
cardholders. Your financial institution 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 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 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.

17

Diners Club Card Elite 
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 a member insurer of the 
Chubb Group of Insurance Companies 9931 South 136th Street, Suite 100, 
Omaha, NE 68138

Trip Cancellation/Trip Interruption
Evidence of Coverage 
Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
appear in bold and Legal Disclosures.

A. To get coverage: 
You must purchase the trip entirely with your covered card for you, or your 
family member, and your traveling companions. If redeemable certificates, 
vouchers, coupons, or discounts awarded from frequent flier programs are 
used to purchase the trip, any remaining charge for the trip must be purchased 
entirely with your covered card.

B. The kind of coverage you receive:
Trip Cancellation 
We will reimburse you for any incurred charge if you are required to cancel the 
trip, prior to the trip departure date, due to a covered reason. You must cancel 
the trip with your common carrier as soon as the covered reason arises. You 
must also advise the administrator immediately, as we will not pay benefits for any 
additional charges incurred that would not have been charged had you notified 
the common carrier and the claim administrator as soon as reasonably possible. 
Covered reason is a sickness, injury, or death of you, your family member, or 
your traveling companion, which results in medically imposed restrictions.
Term of Coverage: 
Coverage begins on the date the trip was purchased and ends on the 
trip departure date.
Coverage Limitations:

Coverage is limited to the lesser of the following:
• $1,500 per trip; and
• $5,000 per 12 month period.
Coverage is secondary to any other applicable insurance or benefit available 
to you including benefits provided by the common carrier (including, but not 
limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, 
credits, or vouchers).
Trip Interruption 
If the trip is interrupted for a covered reason, we will reimburse you for the 
travel on a common carrier to your return destination or to rejoin your 
family members or travel companions at their current location.
Covered reason is a sickness, injury, or death of you, your family member, or your 
traveling companion, which results in medically imposed restrictions.
Term of Coverage:  
Coverage begins on the trip departure date and ends on the 
trip completion date.
Coverage Limitations:  
Coverage is limited to the lesser of the following: 
• $1,500 per trip; and
• $5,000 per 12 month period. 
Coverage is secondary to any other applicable insurance or benefit available 
to you including benefits provided by the common carrier (including, but not 

18

Guide to Benefitslimited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, 
credits, or vouchers).

What is NOT covered: 
• Pre-existing medical conditions. 
• Intentionally self-inflicted injuries, including suicide or attempted suicide.
•  War, invasion, acts of foreign enemies, hostilities between nations (whether 

declared or not), civil war.

• Participation in any military maneuver or training exercise.
• Piloting or learning to pilot or acting as a member of the crew of any aircraft.
• Mental or emotional disorders, unless hospitalized.
• Participation in professional athletics or underwater activities.
• Being under the influence of drugs or intoxicants.
• Commission of or the attempt to commit a criminal act.
•  Participating in bodily contact sports (ex. boxing); skydiving; hang gliding; 

parachuting; Mountaineering; any race; bungee cord jumping; or speed contest.
• Dental treatment except as a result of accidental injury to sound, natural teeth.
• Any non-emergency treatment or surgery, routine physical examinations.
• Hearing aids, eye glasses or contact lenses.
• Curtailment or delayed return for other than a covered reason.
• One-way travel that does not have a return destination.

How to file a claim: 
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a 
claim. You must report the claim within sixty (60) days of the failure or the 
claim may not be honored.

•  Submit the following documentation within one hundred and eighty (180) 

days from the date of loss or the claim may not be honored:
-  Covered card billing statement showing the charge for the covered trip.
-  Proof of a covered reason including the completed physician’s form.
-  Copy of the cancellation policy of the common carrier. 
-  Any other documentation that may be reasonably requested by us or our 

administrator to validate a claim.

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 a member insurer of the 
Chubb Group of Insurance Companies 9931 South 136th Street, Suite 100, 
Omaha, NE 68138

ShopRunner
Program Description:
ShopRunner is an online shipping service that helps its members save both 
time and money. ShopRunner members receive unlimited free two-day 
shipping and free return shipping on purchases at more than 140 online stores, 
including clothing, shoes, beauty, electronics, home, gifts and more. Retailers 
include Neiman Marcus, Lord & Taylor, American Eagle, Tory Burch, Calvin Klein, 
Kate Spade, 1-800-Flowers.com and many more.

Eligibility:
To be eligible for a free ShopRunner membership, you must be a valid 
World or World Elite Mastercard cardholder who holds a Mastercard issued 
by a U.S. financial institution.

How to use the ShopRunner benefit:
•  Create a ShopRunner account on the www.shoprunner.com/mastercard 

website.

•  Shop at the participating merchants from the merchant site, from the links 

on the ShopRunner site, or from the ShopRunner mobile app.

19

Diners Club Card Elite•  Once you are logged into your account, the free shipping benefit is applied, 

provided the item is eligible for free shipping.

•  ShopRunner members also enjoy free return shipping on their orders placed 

with ShopRunner.

Terms and Conditions:
Full terms and conditions are found at www.shoprunner.com/terms/sr.
•  ShopRunner members are entitled to free two-day shipping on all eligible 

purchases as well as free returns.

• Shipping:

-  Eligible items will ship within 2 business days via shipping partners like UPS 

and FedEx. ShopRunner only ships to physical addresses in the United 
States, including, in most cases, Alaska, Hawaii and Puerto Rico, but in some 
cases, certain regions cannot be reached in two days. Any shipment to a 
PO Box, APO/FPO/DPO or international address is excluded from the 
ShopRunner program.

-  Items that are eligible for ShopRunner benefits will be designated on the 

retailer’s site. ShopRunner is only available for certain online purchases and 
certain products on a retailer’s site, and ShopRunner may not be available 
on all web browsers (e.g., mobile websites, smart phone mobile or tablet 
applications). Certain retailers may require a minimum aggregate order value in 
order for an order to be eligible for ShopRunner benefits.

• Returns:

-  For returns of eligible items, ShopRunner members must follow the 

retailer’s return policies and instructions.

-  In the event that a merchant who participates in the ShopRunner service 
offers free return shipping, the cardholder will return the ShopRunner 
eligible item through the merchant’s standard process.

-   For returns of eligible items purchased via the ShopRunner service, for which 
the merchant does not offer free return shipping, ShopRunner will provide 
cardholder with a postage-paid return label that can be used to return items 
back to the merchant. To obtain your ShopRunner pre-paid return label 
simply sign in to the My Account section on www.shoprunner.com. 
Next to each ShopRunner eligible order there is a link to generate a pre-paid 
return label. Print the label, affix it to your return packaging and follow the 
rest of the retailer’s return instructions.

onefinestay
onefinestay provides access to thousands of high-end rental homes and villas 
around the world. World or World Elite Mastercard credit cardholders receive 
a 10% discount on all onefinestay bookings.

Eligibility:
To be eligible for the 10% discount, you must be a cardholder who holds a World 
or World Elite Mastercard Credit Card issued by a U.S. financial institution.

How to use the onefinestay benefit:
Book now at www.onefinestay.com/mastercard.

Terms and Conditions:
For the most up-to-date full terms and conditions, please visit: 
www.onefinestay.com/terms-conditions.
Below is a summary of existing terms and conditions that may be subject to 
changes from time to time:
•  Cardholders will be provided with a preliminary invoice at the time of booking 

and be required to prepay certain amounts related to such booking.

•  Any additional services which are requested at the time of the booking 

may also be included in the preliminary invoice, which is provided before 
prepayment, and onefinestay reserves the right to demand payment in 
advance for any additional services used during a booking.

•  If a cardholder cancels a booking within 24 hours of receipt of a 

20

Guide to Benefitsconfirmation of booking, provided cardholder books more than seven days 
prior to the stay, then cardholder is entitled to a full refund.

•  If cardholder cancels a booking more than 14 days prior to commencement 
of the booking period, then cardholder will be responsible for 50% of the 
full accommodation fees.

•  If cardholder cancels a booking 14 days or less prior to the commencement 

of the booking period, then cardholder will be responsible for the full 
accommodation fees for the entirety of the booking period.

•  The check-out time at the accommodation is as stated in the booking summary.

Concierge Services
World Elite Mastercard® offers you the Mastercard Concierge Service. Imagine 
your own Personal Assistant 24 x 7 x 365, where knowledgeable experts can 
assist with whatever you need, whenever you need it. This takes “Concierge 
Service” to the next level with robust, personalized features that will save you 
time and simplify your day, such as:
•  Personal profile to track preferences for travel, hotels, dining, entertainment, 

special occasions – and even food allergies.

•  Local experts who can provide on-site assistance with everyday household needs 

– like being there when the new appliance is delivered, because you can’t be.

•  Access to unique dining and entertainment venues to turn a special occasion 

into a memorable experience.

• Reminder service for those dates or events that you can’t afford to miss.
•  Pre-trip planning services, providing you with critical information in advance of 

your trip including: 10-day weather forecast, travel requirements, city-specific news 
and conditions, safety and security advisory, suggested packing list, pre-arranged 
confirmations for dining and other services, top must-see attractions etc.

Let the Mastercard Concierge assist you today, so you can have your day back! 
Our experts look forward to assisting you at 1-800-336-6420.
Costs of any goods or services provided by the concierge will be billed to 
your World Elite Mastercard.

Cellular Wireless Telephone Protection
Please see the ‘Key Terms’ section for the terms used throughout this benefit.

Evidence of Coverage 
Refer to Key Terms for the definitions of you, your, we, us, our, and words that 
appear in bold. This EOC is subject to the Legal Disclosures set forth below. 

A. To get coverage: 
You must charge your monthly eligible cellular wireless telephone bill to 
your covered card. You are eligible for coverage the first day of the calendar 
month following the payment of your eligible cellular wireless telephone bill 
to your covered card. If you pay an eligible cellular wireless telephone bill with 
your covered card and fail to pay a subsequent bill to your covered card in a 
particular month, your coverage period changes as follows:   
1.  Your coverage is suspended beginning the first day of the calendar month 

following the month of nonpayment to your covered card; and

2.  Your coverage resumes on the first day of the calendar month following the 
date of any future payment of your eligible cellular wireless telephone bill 
with your covered card.

B. The kind of coverage you receive: 
•  Reimbursement for the actual cost to replace or repair a stolen or damaged 

eligible cellular wireless telephone.

•  Coverage ends on the earliest of: The date you no longer are a cardholder; 
the date the covered card is determined to be ineligible by the participating 
organization; the date the participating organization ceases to pay premium 
on the group policy; the date the participating organization ceases to 
participate in the group policy; the date the group policy is terminated.

21

Diners Club Card EliteC. Coverage limitations:
Coverage for a stolen or damaged eligible cellular wireless telephone is subject to 
the terms, conditions, exclusions, and limits of liability of this benefit. The maximum 
liability is $800 per claim for World Elite Mastercard, and $1,000 per covered 
card per 12-month period. Each claim is subject to a $50 deductible. Coverage is 
limited to two (2) claims per Covered Card per 12-month period. 
Coverage is excess of any other applicable insurance or indemnity available 
to you. Coverage is limited only to those amounts not covered by any other 
insurance or indemnity. In no event will this coverage apply as contributing 
insurance. This “noncontribution” clause will take precedence over a similar 
clause found in other insurance or indemnity language.

D. What is NOT covered
The following items are excluded from coverage under the group policy:
•  Eligible cellular wireless telephone accessories other than the standard 

battery and standard antenna provided by the manufacturer;

•  Eligible cellular wireless telephones purchased for resale or for professional 

or commercial use;

•  Eligible cellular wireless telephones that are lost or mysteriously disappear;
•  Eligible cellular wireless telephones under the care and control of a common 

carrier, including, but not limited to, the U.S. Postal Service, airplanes or 
delivery service;

•  Eligible cellular wireless telephones Stolen from baggage unless hand-carried and 
under the eligible person’s supervision or under the supervision of the eligible 
person’s traveling companion who is previously known to the eligible person;

• Eligible cellular wireless telephones stolen from a construction site;
•  Eligible cellular wireless telephones which have been rented or leased from a 

person or company other than a cellular provider;

•  Eligible cellular wireless telephones which have been borrowed;
•  Eligible cellular wireless telephones that are received as part 

of a pre-paid plan;

•  Cosmetic damage to the eligible cellular wireless telephone or damage that 
does not impact the eligible cellular wireless telephone’s ability to make or 
receive phone calls (including minor screen cracks and fractures less than 2 
inches in length that do not prevent the ability to make or receive phone 
calls or to use other features related to making or receiving phone calls);
•  Damage or theft resulting from abuse, intentional acts, fraud, hostilities of 

any kind (including, but not limited to, war, invasion, rebellion or insurrection), 
confiscation by the authorities, risks of contraband, illegal activities, normal 
wear and tear, flood, earthquake, radioactive contamination, or damage from 
inherent product defects or vermin;

•  Damage or theft resulting from mis-delivery or voluntary parting from the 

eligible cellular wireless telephone;

•  Replacement of eligible cellular wireless telephone(s) purchased from 

anyone other than a cellular service provider’s retail or internet store that 
has the ability to initiate activation with the cellular service provider;

•  Taxes, delivery or transportation charges or any fees associated with the 

service provided; and

•   Losses covered under a warranty issued by a manufacturer, distributor or seller.
In addition, we shall not be deemed to provide coverage and we shall not 
be liable to pay any claim or provide any benefit under the group policy to 
the extent that the provision of such coverage, payment of such claim or 
provision of such benefit would expose us, our parent company or its ultimate 
controlling entity to any sanction, prohibition or restriction under United 
Nations resolutions or the trade or economic sanctions, laws or regulations of 
the European Union or the United States of America.

E. How to file a claim
•  Call 1-800-Mastercard or go to www.mycardbenefits.com to open a 
claim. You must report the claim within 90 days of the loss, or as soon as 
reasonably possible, or the claim may not be honored. Upon receipt of a 
notice of claim, we will provide you with the necessary instructions for filing 

22

Guide to Benefitsproof of loss. Written proof of loss must be submitted to our administrator 
within 120 days of the loss or the claim may not be honored. Required 
documentation may include but is not limited to the following:

•  Your card statement reflecting the monthly eligible cellular wireless 

telephone payments for the month preceding the date the eligible cellular 
wireless telephone was stolen or suffered damage;

•  A copy of your current wireless service provider’s billing statement;
•  If a claim is due to damage, a copy of the repair estimate and photos of the 

damage;

•  If the claim is due to theft, a copy of the police report filed within 48 hours 

of the theft; and

•  Any other documentation or information reasonably requested by us to 

support the claim.

Please see the ‘Legal Disclosure’ section for all disclosures for 
this benefit.

Postmates
Postmates helps people unlock the best of their cities – and their lives, with 
an insanely reliable “everything” network. Postmates is the first on-demand 
company – helping customers in 650 US cities & Mexico get anything, 
anytime, anywhere. World or World Elitee Mastercard cardholders receive 
$5 discount on all orders over $25.

Eligibility:
To be eligible for this benefit, you must use a valid World or World Elite 
Mastercard issued by a U.S. financial institution.

How to use the Postmates benefit:
•  Visit http://www.postmates.com or download the Postmates app from 
the App Store, Google Play, or simply enter your phone number to get a 
download link at http://www.postmates.com.

•  Sign into your Postmates account or create a new account by signing up via 

mobile app or at http://www.postmates.com.

•  Add a World or World Elite Mastercard to your account and continue 

through the regular purchase flow.

•  The $5 discount will be automatically applied for all orders over $25 (not 

including taxes, delivery fees, and tips) using a World or World Elite Mastercard.

Terms and Conditions:
•  Full terms and conditions for this benefit, including the most  

up-to-date terms and conditions for usage of digital wallets are found at  
http://www. postmates.com/mastercard-world. For full Postmates terms 
and conditions, please visit https://postmates.com/legal/terms.

•  If your total (excluding taxes, delivery fees and tips) after the discount from another 

promo code is greater than $25, you are still eligible for the $5 discount offer.

Lyft
Program Description: 
Lyft is a rideshare service that matches you with a nearby driver who’ll take 
you wherever you’re going. You can use the Lyft app to order a ride on 
demand, or schedule a future ride. You can get $10 in Lyft credit every month 
when you take 5 rides and pay with your World Elite Mastercard.

Eligibility:
To be eligible for this benefit, you must use a valid World Elite Mastercard 
issued by a U.S. financial institution.

How to use the Lyft Benefit:
•  Download the Lyft app from the App Store, Google Play, Microsoft or 

Amazon, or get a download link at www.lyft. com/app-sms. If you already 
have the app, make sure you’re using the latest version.

23

Diners Club Card Elite•  Enroll your card for the benefit in the Lyft app. You’ll see a confirmation 

screen once you’ve successfully enrolled.

•  Take 5 Lyft rides within a calendar month, and pay for them with your World 
Elite Mastercard. To ensure the rides have been charged with your World 
Elite Mastercard and qualify for the benefit, complete the ride in-app by 
tapping “Submit” on the Rate + Pay screen.

•  Lyft will automatically add $10 in Lyft credit in your account. Track your 

progress in the Promos section of the Lyft app.

Terms and Conditions:
•  See www.lyft.com/Mastercard-world-elite for full terms, including the most 

up-to-date terms and conditions for usage of digital wallets. Lyft’s Terms of 
Service apply. Lyft CUPC ID No. TCP0032513 - P

•  Enrollees in the Lyft and World Elite Mastercard benefit will receive a $10 

Lyft credit (“Credit”) for taking five (5) Lyft rides in a calendar month.  Rides 
must be partially or fully paid for with a World Elite Mastercard credit card. 
Limit one credit per month per Lyft account. Credit may take up to 2 days 
to be applied. Credit expires 30 days after application.

Boxed 
Program Description: 
Boxed is an online, wholesale shopping destination where you can stock up on 
groceries, household items, health supplies, and more in bulk without a membership 
fee. Place orders through the app or website and get everything delivered right to 
your door. Cardholders receive 5% Cash Rewards on eligible purchases at Boxed.

Eligibility:
To be eligible for this benefit, you must use a valid World Elite Mastercard 
issued by a U.S. financial institution.

How to use the Boxed Benefit:
1. Create a Boxed account on the Boxed website or mobile app.
2.  Use a valid World Elite Mastercard to place an order and you will 

automatically receive 5% Cash Rewards on eligible products in that order.

Terms and Conditions:
•   Full terms and conditions for this benefit, including the most up-to-date 

terms and conditions for usage of digital wallets are found at 
www.boxed.com/worldelite. For full terms and conditions, please visit 
www.boxed.com/terms-conditions/

• Customers can receive up to $500 in Cash Rewards per year.
• World Elite Mastercard must be used for payment to receive the offer.
•  The 5% Cash Rewards offer excludes taxes and governmental fees, discounts on 
account of any applicable Promotions and/or Promo Codes, the application of 
any accrued Cash Rewards, shipping charges, and Express delivery charges.

•  The 5% Cash Rewards offer is not valid on past purchases, Express orders, 
Boxed Hotel, gift cards and alcohol products and other items fulfilled by 
third-parties.

•  The 5% Cash Rewards offer cannot be used in conjunction with other Cash 

Rewards offers from Boxed.

•  For any order cancellations, the 5% Cash Rewards earned on those orders will 

be deducted from the customer’s account.

•  Cash Rewards expire twelve (12) months from the date earned unless 
(i) redeemed in accordance with the redemption rules; or (ii) additional 
qualified purchases are made prior to the expiration of the Cash Rewards in 
your account, in which case all unexpired Cash Rewards in your account will 
be renewed for an additional twelve (12) month period from the date the 
qualifying renewal activity occurred.

24

Guide to BenefitsFandango 
Program Description: 
Fandango is the movie destination to buy movie tickets and stream at home or on 
the go with FandangoNOW – available via website, mobile app and supporting 
devices. Fandango gives movie fans more with its loyalty program, Fandango VIP. 
You can join for free for great perks and get rewarded for going to the movies. All 
Fandango VIP members earn 125 Fandango VIP+ points for every ticket they buy. 
When you rack up 500 points, you receive a $5 reward towards more movies at 
home or in the theater. World Elite Mastercard cardholders get rewarded even 
faster and are eligible to earn double the points for the tickets they buy, 250 points 
per ticket. This means that World Elite cardholders are eligible to earn a $5 reward 
for every 2 movie tickets purchased on Fandango.

Eligibility:
To be eligible for this benefit, you must use a valid World Elite Mastercard 
issued by a U.S. financial institution.

How to use the Fandango Benefit:
1.  Visit www.fandango.com or download the Fandango app from the App 

Store or Google Play.

2. Create a Fandango VIP account.
3.  Search for show times at a movie theater that tickets through Fandango. For a 

complete list of participating theaters, go to this website: 
https://www.fandango.com/movie-theaters.

4.  When you purchase a movie ticket on Fandango using your World Elite 
Mastercard and while logged in to your Fandango VIP account, you will 
receive 250 points. Once you accumulate 500 Fandango VIP+ points, you 
will receive a reward worth $5 after you see the movie. You can use the $5 
for your next movie ticket purchase on Fandango, or to stream movies and 
TV shows on FandangoNOW.

Terms and Conditions:
•    Full terms and conditions for this benefit, including the most up-to-date 

terms and conditions for usage of digital wallets are found at 
www.fandango.com/vip+mastercard. For full Fandango terms and conditions, 
please visit www.fandango.com/Terms-and-Policies.

•    Movie tickets must be purchased for a movie with a show time starting before 

11:59 p.m. PT on the last day of the promotion period.

•    When you receive 500 VIP+ Points, you will receive a $5.00 Discount Reward 
which you will need to convert into a Discount Promo Code for use on a 
qualifying purchase on www.fandango.com or www.fandangonow.com.
•    The $5.00 Discount Reward expires 21 days after it is posted to your Fandango 
VIP account or 90 days after it is posted to your Fandango VIP account if your 
World Elite Mastercard is saved to your Fandango VIP account.

•    The $5.00 Discount Reward cannot be combined with any other offer, 

promo code or discount.

•    The $5.00 Discount Reward cannot be used to purchase a gift card.
•    After applying your $5.00 Discount Reward, any unused balance will 

automatically expire.
•   Void where prohibited.
•   Additional taxes may be owed on a rental or purchase price shown for 

FandangoNOW.

25

Diners Club Card EliteAccount and Billing Information
Important: Contact your card-issuing financial institution directly for questions 
concerning your account, such as account balance, credit line, billing inquiries (including 
transaction exchange rates), merchant disputes, or information about additional 
services not described in this Guide. Your financial institution’s phone number should 
be available on your monthly billing statement or on the back of your card. 
Reminder: Please refer to the Legal Disclosure section.

Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other 
contract. Benefits are provided to you, the accountholder, at no additional charge. 
Non-insurance services may have associated costs, which will be your responsibility 
(for example, legal referrals are free, but the lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by New 
Hampshire Insurance Company, an AIG company, unless otherwise noted. This 
Guide to Benefits is a summary of benefits provided to you. The attached Key 
Terms and EOC is governed by the group policy.
Effective date of benefits: Effective October 1, 2019, this Guide to Benefits 
replaces all prior disclosures, program descriptions, advertising, and brochures 
by any party. The Policyholder and the insurer reserve the right to change the 
benefits and features of these programs at any time. Notice will be provided 
for any changes.
Cancellation: The Policyholder can cancel these benefits at any time or choose 
not to renew the insurance coverage for all cardholders. If the Policyholder does 
cancel these benefits, you will be notified in advance. If the insurance company 
terminates, cancels, or chooses not to renew the coverage to the Policyholder, 
you will be notified as soon as is practicable. Insurance benefits will still apply 
for any benefits you were eligible for prior to the date of such terminations, 
cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to the cardholder whose cards 
are issued by U.S. financial institutions. The United States is defined as the fifty 
(50) United States, the District of Columbia, American Samoa, Puerto Rico, 
Guam, and the U.S. Virgin Islands, unless otherwise noted. No person or entity 
other than the cardholder shall have any legal or equitable right, remedy, or 
claim for benefits, insurance proceeds and damages under or arising out of 
these programs. These benefits do not apply if your cardholder privileges have 
been cancelled. However, insurance benefits will still apply for any benefit 
you were eligible for prior to the date that your account is suspended or 
cancelled, subject to the terms and conditions of coverage herein.
Transfer of rights or benefits: No rights or benefits provided under these 
insurance benefits may be assigned without the prior written consent of the 
claim administrator for these benefits.
Misrepresentation and Fraud: Any coverage benefits hereunder shall be 
void if the cardholder has concealed or misrepresented any material facts 
concerning this coverage.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if 
there is an unresolved dispute concerning this EOC (including the cost of, lack 
of or actual repair or replacement arising from a loss or breakdown). Under 
this Arbitration provision, You give up your right to resolve any dispute arising 
from this EOC by a judge and/or a jury. You also agree not to participate as 
a class representative or class member in any class action litigation, any class 
arbitration or any consolidation of individual arbitrations. In arbitration, a 
group of three (3) arbitrators (each of whom is an independent, neutral third 
party) will give a decision after hearing the parties’ positions. The decision of 
a majority of the arbitrators will determine the outcome of the arbitration 
and the decision of the arbitrators shall be final and binding and cannot be 
reviewed or changed by, or appealed to, a court of law.

26

Guide to BenefitsTo start arbitration, the disputing party must make a written demand to 
the other party for arbitration. This demand must be made within one (1) 
year of the earlier of the date the loss occurred or the dispute arose. The 
parties will each separately select an arbitrator. The two (2) arbitrators 
will select a third arbitrator called an “umpire.” Each party will each pay 
the expense of the arbitrator selected by that party. The expense of the 
umpire will be shared equally by the parties. Unless otherwise agreed to by 
the parties, the arbitration will take place in the county and state in which 
you live. The arbitration shall be governed by the Federal Arbitration Act 
(9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The 
rules of the American Arbitration Association (www.adr.org) will apply to 
any arbitration under this EOC. The laws of the state of New York (without 
giving effect to its conflict of law principles) govern all matters arising out of or 
relating to this EOC and all transactions contemplated by this EOC, including, 
without limitation, the validity, interpretation, construction, performance and 
enforcement of this EOC.
Due Diligence: All parties are expected to exercise due diligence to 
avoid or diminish any theft, loss or damage to the property insured under these 
programs. Due Diligence shall mean the performance of all vigilant activity, 
attentiveness, and care that would be taken by a reasonable and prudent person 
in the same or similar circumstances in order to guard and protect the item. 
Subrogation: If payment is made under these benefits, we are entitled to 
recover such amounts from other parties or persons. Any party or cardholder 
who receives payment under these benefits must transfer to us his or her 
rights to recovery against any other party or person and must do everything 
necessary to secure these rights and must do nothing that would jeopardize 
them, or these rights will be recovered from the cardholder.
Salvage: If an item is not repairable, our administrator may request that you 
and/or the cardholder send the item to our administrator for salvage at your 
and/or cardholder’s expense. Failure to remit the requested item for salvage to 
our administrator may result in denial of the claim.
Other Insurance: Coverage is secondary to and in excess of any other 
applicable insurance or indemnity available to you. Coverage is limited to only 
those amounts not covered by any other insurance or indemnity. Coverage 
is subject to the conditions, limitations, and exclusions described in this 
document. In no event will this coverage apply as contributing insurance. This 
Other Insurance clause will take precedence over a similar clause found in 
other insurance or indemnity language.

In no event will these insurance benefits apply as contributing insurance. 
The non-contribution insurance clause will take precedence over the non-
contribution clause found in any other insurance policies.
Severability of Provisions: If in the future any one or more of the provisions 
of this Guide to Benefits is, to any extent and for any reason, held to be invalid 
or unenforceable, then such  provision(s) shall be deemed severable from the 
remaining provisions of the Guide. In that event, all other provisions of this Guide 
shall remain valid and enforceable. Benefits listed in this Guide to Benefits are 
subject to the conditions, limitations, and exclusions described in each benefit 
section. Receipt and/or possession of this Guide to Benefits does not guarantee 
coverage or coverage availability.

27

Diners Club Card EliteThis Guide is intended as a summary of services, benefits, and coverages and, in 
case of a conflict between the Guide and any any master insurance policy(ies) 
or group policy or actual offering shall control. Provision of services is subject to 
availability and applicable legal restrictions. The Guide to Benefits contains the entire 
agreement between You and Us. Representations or promises made by anyone 
that are not contained in the Guide to Benefits are not a part of your coverage.
Washington Residents: For Washington residents only, Evidence of Coverage 
(EOC) means the section of this Guide to Benefits that describes the terms, 
conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal 
Disclosures are in the entire agreement between you and us. Representations 
or promises made by anyone that are not contained in the EOC, Key Terms, or 
Legal Disclosures are not part of your coverage. In case of a conflict between this 
Guide to Benefits and the group policy, the Guide to Benefits shall control. 

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: 1-800-627-8372,
or en Español: 1-800-633-4466.
Visit our Web site at www.mastercard.com.

©2019 Mastercard              

28

Guide to Benefits 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Notes

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Diners Club Card EliteDiners Club and Diners Club International with the Split Circle Device are 
registered trademarks of Diners Club International Ltd.

Mastercard, Maestro, and Cirrus are registered trademarks and the circles design 
are trademarks of Mastercard International Incorporated.

Banking products and services are subject to bank and credit approval and are 
provided by BMO Harris Bank N.A. Member FDIC.

© 2019 BMO Harris Bank N.A. (10/19) 

                   10062195

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