This Guide to Benefits describes the benefits in effect as of 4/1/11. These benefits and descriptions supersede  
any prior benefits and descriptions you may have received earlier. Please read and retain for your records.  
Your eligibility is determined by the date your financial institution enrolled your account in the benefits.

Your Visa Card Guide to Benefits

Basic Protection Package

For questions about your account, balance, or rewards points, please call the customer service number on your Visa statement. 

Auto Rental Collision Damage Waiver

What is this benefit?
Subject to the terms and conditions provided in this Guide to Benefit, 
the Visa Auto Rental Collision Damage Waiver benefit (“Auto Rental 
CDW”) provides reimbursement for damage due to collision or 
theft up to the actual cash value of most rental vehicles. In your 
country of residence, this benefit is supplemental to, and excess 
of, any valid and collectible insurance from any other source. We 
will reimburse only for that theft or damage not payable by any 
other party. Here are answers to some commonly asked questions 
about the benefit.

Who is eligible?
You are eligible only if you are a valid cardholder whose name  
is embossed on an eligible U.S.-issued Visa card. Only you as the 
primary renter of the vehicle and any additional drivers permitted 
by the auto rental agreement are covered.

What is covered?
Subject to the terms and conditions in this Guide to Benefit, if you 
do not have personal automobile insurance or any other insurance  
covering this theft or damage, this benefit reimburses you for the  
covered theft or damage as well as valid administrative and loss-
of-use charges imposed by the auto rental company and reasonable 
towing charges that occur while you are responsible for the rental 
vehicle. If you have personal automobile insurance or other insurance  
covering this theft or damage, the Visa Auto Rental CDW benefit  
reimburses you for the deductible portion of your personal automo-
bile insurance, and any unreimbursed portion of valid administrative 
and loss-of-use charges imposed by the rental car company, as 
well as reasonable towing charges resulting from covered theft or 
damage of the rental vehicle while it is your responsibility. Only  
vehicle rental periods that neither exceed nor are intended to exceed 
fifteen (15) consecutive days within your country of residence or  
thirty-one (31) consecutive days outside your country of residence 
are covered.
The benefit provides reimbursement up to the actual cash value 
of the vehicle as it was originally manufactured. Most private 
passenger automobiles, minivans, and sport utility vehicles are 
eligible, but some restrictions may apply. Please contact the 
Benefit Administrator to inquire about a specific vehicle.
Within your country of residence, this benefit supplements, and 
applies excess of, any valid and collectible insurance or reimburse-
ment from any source. This means that, subject to the terms and  
conditions of this Guide to Benefit, Visa Auto Rental CDW applies  
to eligible theft or damage or expenses that are not covered by 
insurance or reimbursement.

The benefit covers:
• Physical damage and/or theft of the covered rental vehicle.
• Valid loss-of-use charges imposed and substantiated by the 

auto rental company through a fleet utilization log.

• Reasonable and customary towing charges, due to covered theft 

or damage to the nearest qualified repair facility.

How do I activate this benefit?
For the benefit to be in effect, you must:
• Initiate and complete the entire rental transaction with your 

eligible Visa card, and

• Decline the auto rental company’s collision damage waiver 

(CDW/LDW) option or similar provision.

Helpful hints:
• Check the rental vehicle for prior damage before leaving the 

rental lot.

• Review the auto rental agreement carefully to make sure you 
are declining CDW/LDW and also to familiarize yourself with 
the terms and conditions of the auto rental agreement.

What do I do if I have an accident or the rental vehicle is stolen?
Immediately call the Benefit Administrator at 1-800-VISA-911 to 
report the theft or damage regardless of whether your liability 
has been established. If you are outside the United States, call 
collect at 410-581-9994. The Benefit Administrator will answer 
any questions you or the auto rental company may have and will 
then send you a claim form.
All incidents must be reported immediately following the theft or 
damage, but in no event later than forty-five (45) days* following  
the date of the theft or damage. Furthermore, we reserve the right 
to deny any claim that contains charges that would not have been  
included had the Benefit Administrator been notified before those 
expenses were incurred. We therefore advise you to notify us 
immediately after any incident. You must make every reasonable 
effort to protect the rental vehicle from theft or damage.

What is not covered?
• Any obligation you assume under any agreement (other than 

the deductible under your personal auto policy).

•	Any	violation	of	the	auto	rental	agreement	or	this	benefit.
•	Injury	of	anyone	or	damage	to	anything	inside	or	outside	the	

rental vehicle.

•	Loss	or	theft	of	personal	belongings.
•	Personal	liability.
•	Expenses	assumed,	waived,	or	paid	by	the	auto	rental	company	

or its insurer.

•	Cost	of	any	insurance	or	collision	damage	waiver	offered	by	or	

purchased through the auto rental company.

•	Depreciation of the rental vehicle caused by the incident including, 

but not limited to “diminished value.”

•	Expenses	reimbursable	by	your	insurer,	employer,	or	employer’s	

insurance.

•	Theft	or	damage	due	to	intentional	acts,	or	due	to	the	driver(s)	
being under the influence of alcohol, intoxicants, or drugs, or 
due to contraband or illegal activities.

•	Wear	and	tear,	gradual	deterioration,	or	mechanical	breakdown.
•	Items	not	installed	by	the	original	manufacturer.
•	Damage	due	to	off-road	operation	of	the	rental	vehicle.
•	Theft or damage due to hostility of any kind (including, but not 

limited to, war, invasion, rebellion, insurrection, or terrorist activities).

•	Confiscation	by	authorities.
•	Vehicles	that	do	not	meet	the	definition	of	covered	vehicles.
•	Rental periods that either exceed or are intended to exceed fifteen 
(15) consecutive days within your country of residence or thirty-
one (31) consecutive days outside your country of residence.

•	Leases	and	mini	leases.
•	Theft	or	damage	as	a	result	of	the	authorized	driver’s	and/or	

cardholder’s lack of reasonable care in protecting the rental vehicle 
before and/or after theft or damage occurs (for example, leaving 
the vehicle running and unattended).

•	Theft	or	damage	reported	more	than	forty-five	(45)	days*	from	

the date of the incident.

•	Theft	or	damage	for	which	a	claim	form	has	not	been	received	

within	ninety	(90)	days*	from	the	date	of	the	incident.

•	Theft	or	damage	for	which	all	required	documentation	has	not	
been received within three hundred and sixty-five (365) days 
from the date of the incident.

•	Theft	or	damage	from	rental	transactions	that	originated	in	
Israel, Jamaica, the Republic of Ireland, or Northern Ireland.

*	Not	applicable	to	residents	of	certain	states.

(Continued on next page)

Auto Rental Collision Damage Waiver (Cont.)

What if the auto rental company insists that I purchase  
the auto rental company’s auto insurance or collision  
damage waiver?
Call the Benefit Administrator at 1-800-VISA-911 for help. If you 
are outside the United States, call collect at 410-581-9994.

When and where do I have this benefit?
This benefit is available in the United States and most foreign 
countries. No benefit is provided for motor vehicles rented in 
Israel, Jamaica, the Republic of Ireland, or Northern Ireland. 
Additionally, this benefit is not available where precluded by law 
or in violation of the territory terms of the auto rental agreement 
or prohibited by individual merchants. Because regulations vary 
outside the United States, we recommend you check with your 
auto rental company and the Benefit Administrator before you 
travel to make sure Visa Auto Rental CDW will apply.
This benefit is in effect while the rental vehicle remains in your 
control or in the control of an authorized driver permitted to operate  
the rental vehicle in accordance with the rental agreement between  
you and the auto rental company. This benefit terminates when 
the auto rental company re-assumes control of the rental vehicle.

How does this benefit apply?
Within your country of residence, Visa Auto Rental CDW supple-
ments, and applies excess of, any valid and collectible insurance 
or reimbursement from any source. It does not duplicate insurance  
provided by or purchased through the auto rental company; it will 
not pay for theft or damage reimbursable by your own insurer, 
employer, employer’s insurance, or any other valid and collectible 
reimbursement; however, it will pay for the outstanding deductible 
portion or other charges, including valid administration and loss-
of-use charges not covered by your applicable automobile insurance 
policy. Outside your country of residence or if you do not have 
automobile insurance, you do not have to claim payment from 
any other source of insurance before receiving the benefit.

What types of rental vehicles are not covered?
Excluded worldwide are: expensive, exotic, and antique automobiles; 
certain vans; vehicles that have an open cargo bed; trucks; motorcy-
cles, mopeds, and motorbikes; limousines; and recreational vehicles.
Examples of excluded expensive or exotic automobiles are the Aston  
Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen,  
Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, 
selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln 
are covered.
An antique automobile is defined as any vehicle over twenty (20) 
years old or any vehicle that has not been manufactured for ten 
(10) years or more.
This benefit is provided for only those vans manufactured and 
designed to transport a maximum of eight (8) people including 
the driver and which is used exclusively to transport people.
If you have any questions regarding a specific vehicle, call the 
Benefit Administrator at 1-800-VISA-911. If you are outside the 
United States, call collect at 410-581-9994.

What do I need from the auto rental company in order to 
file a Visa Auto Rental CDW claim?
At the time of the theft or damage, or when you return the rental 
vehicle, immediately ask the auto rental company for:
• A copy of the accident report form and claim document, which 

should indicate the costs you are responsible for and any 
amounts that have been paid toward the claim.

• A copy of the initial and final auto rental agreement(s).
• A copy of the repair estimate and itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.

How do I file a claim?
You, the cardholder, are responsible for reporting your claim 
to the Benefit Administrator immediately, but in no event later 
than forty-five (45) days* from the date of theft or damage, or 
your claim may be denied. Notice to any other party will not  
suffice. Furthermore, we reserve the right to deny any claim that  
contains charges that would not have been included had the Benefit 
Administrator been notified before those expenses were incurred. 
We therefore advise you to notify us immediately after any theft 
or damage.

Submit the following documentation to the Benefit Administrator:
• The completed and signed Visa Auto Rental CDW Claim Form. 
Your completed claim form must be postmarked within ninety 
(90) days* of the date of the theft or damage, even if all other 
required documentation is not yet available, or your claim may 
be denied.

• A copy of your receipt or monthly billing statement as proof that  

the entire vehicle rental was charged and paid for with your 
eligible Visa card.

• A statement from your insurance carrier (and/or your employer 
or employer’s insurance carrier, if applicable) or other reimburse-
ment showing the costs for which you are responsible and any 
amounts that have been paid toward the claim. Or, if you have 
no applicable insurance or reimbursement, a notarized statement 
of no insurance or reimbursement is required.

• A copy of the declaration page from your automobile insurance 

carrier.

The following documents must be obtained from the auto rental 
company and provided to the Benefit Administrator:
• A copy of the accident report form.
• A copy of the initial and final auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.
• Any other documentation deemed necessary by the Benefit 

Administrator to substantiate the claim.

For faster filing, or to learn more about Visa Auto Rental CDW, 
go to www.visa.com/eclaims.

If you experience difficulty in obtaining all the required documents  
within ninety (90) days* of the date of theft or damage, just submit  
the claim form and any documentation you already have available.  
NOTE: All remaining documents must be postmarked within three  
hundred and sixty-five (365) days of the date of theft or damage.

Do I have to do anything else?
Usually not. Under normal circumstances, the claim will be finalized 
within fifteen (15) days after the Visa Auto Rental CDW Benefit 
Administrator has received all documentation necessary to fully 
substantiate your claim.
However, if the Benefit Administrator has paid your claim, all your  
rights and remedies against any party in respect of this theft or 
damage will be transferred to the Benefit Administrator to the 
extent of the cost of payment made to you.
You must give the Benefit Administrator all assistance as may 
reasonably be required to secure all rights and remedies.

*	Not	applicable	to	residents	of	certain	states.

Additional Provisions for Auto Rental CDW: You must make every effort that would 
be made by a reasonable and prudent person to protect the Rental Vehicle from 
theft or damage. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including, but  
not limited to, the cost of repair services, no coverage shall exist for such claim and  
your benefits may be canceled. Each cardholder agrees that representations regarding  
claims will be accurate and complete. Any and all relevant provisions shall be void 
in any case of fraud, intentional concealment, or misrepresentation of material fact.
Once you report an occurrence, a claim file will be opened and shall remain open for  
six (6) months from the date of the incident/occurrence. No payment will be made 
on a claim that is not completely substantiated in the manner required by the Benefit  
Administrator within twelve (12) months of the date of the incident/occurrence.
No legal action for a claim may be brought against us until sixty (60) days after we  
receive Proof of Loss. After the expiration of three (3) years from the time written  
Proof of Loss was to be provided, no action shall be brought to recover on this benefit.  
Further, no legal action may be brought against us unless all the terms of this Guide 
to Benefit have been complied with fully.
This benefit is provided to eligible Visa cardholders at no additional cost. The terms 
and conditions contained in this Guide to Benefit may be modified by subsequent 
endorsements. Modifications to the terms and conditions may be provided via 
additional Guide to Benefit mailings, statement inserts, or statement messages. The 
benefit described in this Guide to Benefit will not apply to Visa cardholders whose 
accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Visa and/or your financial 
institution can cancel or non-renew the benefit, and if so, we will notify you at least 
thirty (30) days in advance. This information is a description of the benefit provided 
to you as a Visa cardholder. It is insured by Indemnity Insurance Company of North 
America.
For general questions regarding this benefit, call the Benefit Administrator at  
1-800-VISA-911. If you are outside the United States, call collect at 410-581-9994.

FORM #VARCDW – 2010 (Stand 04/11)

Warranty Manager Service

How do I benefit from Warranty Manager Service?
Warranty Manager Service offers you a number of valuable features,  
including warranty registration and Extended Warranty Protection,  
all available with a simple toll-free telephone call. And with our 
Visa Performance Guarantee you have the option of purchasing 
affordable	Extended	Service	Agreements.*
Warranty Manager’s registration service helps you take full advantage 
of your warranties, because you can get key information about your  
coverage with a single toll-free call. And if you send us your sales 
receipts and warranty information, we’ll keep everything on file— 
so arranging for a repair or replacement is as easy as picking up the  
telephone. Warranty Manager Service offers Extended Warranty 
Protection that doubles the time period of the original manufacturer’s 
written U.S. repair warranty up to one (1) additional year on eligible 
warranties of three (3) years or less when an item is purchased 
entirely with your eligible Visa card.

Why should I register my purchases?
To have peace of mind knowing all of your purchases are registered  
and on file with Visa. Although registration is not required for Extended 
Warranty Protection benefits, it is strongly encouraged that you send  
us your sales receipts and warranty information. With this valuable  
service, you won’t have to search for critical documentation when 
you need it. Arranging for a repair or replacement is as easy as 
picking up the telephone. Call 1-800-VISA-911 (or collect at  
410-581-9994) for information regarding the security of registering 
your purchases.

What are the advantages of Visa Performance Guarantee?  
Visa Performance Guarantee is valuable protection you can 
purchase beyond the benefit provided to you by Visa. It is available 
to extend your warranty coverage on eligible items for up to five 
(5) years from the date of product purchase. This provides you 
with an easy, reasonably priced way to cover parts and labor 
costs necessary to repair your product in case of failure.

Who is eligible for this benefit?
To be eligible for this benefit you must be a valid cardholder of an 
eligible U.S.-issued Visa card.

What items are covered by Warranty Manager Service 
Extended Warranty Protection?
Warranty Manager Service Extended Warranty Protection doubles 
the period of repair service under the manufacturer’s written U.S. 
warranty up to a maximum of one (1) additional year on many items 
of personal property which have a valid original manufacturer’s 
written U.S. repair warranty of three (3) years or less and which 
you have purchased entirely on your eligible Visa card.

What items are not covered?
•	Boats,	automobiles,	aircraft,	and	any	other	motorized	vehicles	and	 
their motors, equipment, or accessories, including trailers and other  
items that can be towed by or attached to any motorized vehicle.
•	Any	costs	other	than	those	specifically	covered	under	the	terms	
of the original manufacturer’s written U.S. repair warranty, as 
supplied by the original manufacturer, or other eligible warranty.

•	Items	purchased	for	resale,	professional,	or	commercial	use.
•	Real	estate	and	items	which	are	intended	to	become	part	of	real	
estate including, but not limited to, items that are hard-wired or  
hard-plumbed, garage doors, garage door openers, and ceiling fans.

•	Rented	or	leased	items,	or	items	purchased	on	an	installment	

plan and for which the entire purchase price was not paid in full 
at the time of the occurrence.

•	Computer	software.
•	Medical	equipment.
•	Used	or	pre-owned	items.

Are gifts covered?
Yes, as long as you purchased the gift entirely with your eligible 
Visa card and it meets the terms and conditions of the benefit.

Are purchases made outside the United States covered?
Yes, as long as you purchased the item entirely with your eligible 
Visa card and the eligible item has a valid original manufacturer’s 
written U.S. repair warranty of three (3) years or less, store-purchased 
dealer warranty, or assembler warranty.

Do I need to keep copies of receipts or any other records?
To file a claim, copies of your Visa card receipt, your store receipt,  
the original manufacturer’s written U.S. warranty, and any other 
applicable warranty are required. You will need to retain copies of 
these records unless the purchase is registered.

How do I file a claim?
Call the Benefit Administrator at 1-800-VISA-911 (or collect at 
410-581-9994) immediately upon learning of a product failure.
Please note: If you do not give such notice within sixty (60) days  
after the product failure, your claim may be denied. The Benefit 
Administrator will ask you for some preliminary claim information,  
direct you to the appropriate repair facility, and send you the appro-
priate claim form. This claim form must be completed, signed, and  
returned with all the requested documentation within ninety (90)  
days of the product failure. Gift recipients of eligible items are also 
covered by the claims process, if desired. However, a gift recipient 
must provide all the documents necessary to fully substantiate 
the claim.

For faster filing, or to learn more about the Visa Warranty 
Manager Service, go to www.visa.com/eclaims.

What documents do I need to submit with my claim?
•	Your	completed	and	signed	claim	form.
•	Your	Visa	card	receipt.
•	The	itemized	store	receipt.
•	A	copy	of	the	original	manufacturer’s	written	U.S.	warranty	and	

any other applicable warranty.

•	A	description	and	serial	number	of	the	item,	and	any	other	

documentation deemed necessary to substantiate your claim. 
This includes bills and, if necessary, a copy of the maintenance 
record and receipts.

•	The	original	repair	order.
All claims must be fully substantiated.

How will I be reimbursed?
Once your claim has been verified and the terms and conditions  
of the benefit have been met, the item will be repaired or replaced 
at the Benefit Administrator’s discretion, but for no more than the  
original purchase price of the covered item as recorded on your 
Visa card receipt, less shipping and handling fees, up to a maximum  
of ten thousand dollars ($10,000.00) and fifty thousand dollars 
($50,000.00) maximum per cardholder. Under normal circum-
stances, reimbursement will take place within five (5) business 
days of receipt and approval of all required documents.
Extended Warranty Protection will pay the facility directly for repairs,  
if possible, or you may go to an authorized repair facility and file a  
claim for reimbursement. Only valid and reasonable repairs made  
at the manufacturer’s authorized repair facility are covered.
In either case, the Benefit Administrator’s payment, replacement,  
or repair made in good faith will fulfill the obligation under the benefit.

Do I have to file with my insurance company?
No. However, if you have purchased or received a service  
contract or Extended Warranty, Extended Warranty Protection  
is supplemental to, and excess of, that coverage.

*	Extended	Service	Agreements	are	offered	through	a	third-party	administrator,	
and may not be available in all states. Terms and conditions may vary by 
product type. Call 1-800-VISA-911 for details regarding specific products.

Additional Provisions for Warranty Manager Service: These benefits apply only 
to you, the eligible Visa cardholder, and to whomever receives the eligible gifts you 
purchase entirely with your eligible Visa card.
You shall use due diligence and do all things reasonable to avoid or diminish any 
loss or damage to property protected by this benefit. This provision will not be 
unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect including, 
but not limited to, the cost of repair services, no benefit shall exist for such claim 
and your benefits may be canceled. Each claimant agrees that representations 
regarding claims will be accurate and complete. Any and all relevant provisions 
shall be void in any case of fraud, intentional concealment, or misrepresentation  
of material fact. 
Once you report an occurrence, a claim file will be opened and shall remain open for  
six (6) months from the date of the damage or theft. No payment will be made on 
a claim that is not completely substantiated in the manner required by the Benefit 
Administrator within six (6) months of the date of product failure.
After the Benefit Administrator has paid your claim, all your rights and remedies  
against any party in respect of this claim will be transferred to the Benefit Administrator 
to the extent of the payment made to you. You must give the Benefit Administrator 
all assistance as may reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought against us until sixty (60) days after we  
receive Proof of Loss. No legal action against us may be brought more than two (2)  
years after the time for giving Proof of Loss. Further, no legal action may be brought 
against us unless all the terms of the Guide to Benefit have been complied with fully.
This benefit is provided to eligible Visa cardholders at no additional cost. The terms 
and conditions contained in this Guide to Benefit may be modified by subsequent 
endorsements. Modifications to the terms and conditions may be provided via  
additional Guide to Benefit mailings, statement inserts, or statement messages.  
The benefit described in this Guide to Benefit will not apply to Visa cardholders 
whose accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Visa and/or your financial 
institution can cancel or non-renew the benefit, and if we do, we will notify you  
at least thirty (30) days in advance. This information is a description of the benefit 
provided to you as a Visa cardholder. It is insured by Indemnity Insurance Company 
of North America. 
For general questions regarding this benefit, call the Benefit Administrator at 
1-800-VISA-911, or call collect at 410-581-9994.

FORM #VWMGR 10K-50K-3YR – 2010 (04/11)

This Guide to Benefits describes the benefits in effect as of 4/1/11. These benefits and descriptions supersede  

any prior benefits and descriptions you may have received earlier. Please read and retain for your records.  

Your eligibility is determined by the date your financial institution enrolled your account in the benefits.

Travel and Emergency Assistance Services

What are Travel and Emergency Assistance Services?
Help when you don’t know where to turn. You can count on a wide 
range of Visa emergency services available whenever and wherever  
you need them, 24 hours a day, 365 days a year.
We will make every reasonable effort to respond when you have an 
emergency—even if you need assistance beyond the services listed here.  
Please understand that, due to occasional problems such as distance, 
location, or time, neither Visa nor its service providers can be responsible  
for the availability, use, cost, or results of any medical, legal, transportation,  
or other service.

Who is eligible for Travel and Emergency Assistance Services?
You, your spouse, and your children [provided the children are 
dependents under twenty-two (22) years old] may all take 
advantage of these special emergency services.

How do I get these services?
They’re as close as the nearest phone. You simply call the Benefit 
Administrator at 1-800-VISA-911 any hour of the day or night. If 
you are outside the United States, call collect at 410-581-9994.

Is there a charge for these services?
No. Visa Travel and Emergency Assistance Services are available 
to eligible Visa cardholders at no additional charge.
Please note: Visa Travel and Emergency Assistance Services 
provide assistance and referral only. You are responsible for the 
cost of any actual medical, legal, transportation, cash advance, 
or other services or goods provided.

What are the specific services and what do they provide?
Visa Travel and Emergency Assistance Services will put you in 
touch with the appropriate emergency services should the need 
arise. Here are some of the ways we can help:
•	Emergency Message Service can record and relay emergency 

messages for travelers, immediate family members, or business 
associates. NOTE: Visa will use reasonable efforts to relay 
emergency messages in accordance with benefit guidelines 
and limitations, but cannot take responsibility for the failure  
to transmit any message successfully.

•	Medical Referral Assistance provides medical referral, monitoring,  
and follow-up. The Benefit Administrator can give you names of  
English-speaking doctors, dentists, and hospitals; assign a doctor  
to consult by phone with local medical personnel, if necessary, 
to monitor your condition, keep in contact with your family, and  
provide continuing liaison; and help you arrange medical payments  
from your Visa or personal account. NOTE: All costs are your 
responsibility.

•	Legal Referral Assistance can arrange contact with English-speaking  
attorneys and with U.S. embassies or consulates if you’re detained  
by local authorities, have a car accident, or need legal assistance.  
In addition, the Benefit Administrator can coordinate bail payment  
from your Visa or personal account. The Benefit Administrator 
can also follow up to make sure bail has been properly handled. 
NOTE: All costs are your responsibility.

•	Emergency Transportation Assistance can help you make all  

the necessary arrangements for emergency transportation home  
or to the nearest medical facility. This even includes arranging  
to bring your young children home and staying in contact with 
family members or employers. In the case of a death, the Benefit 
Administrator can make arrangements for returning the remains 
of the deceased home. NOTE: All costs are your responsibility.
•	Emergency Ticket Replacement helps you with the carrier’s lost 
ticket reimbursement procedures if you should lose your ticket 
and can arrange delivery of a replacement ticket to you. NOTE: 
All costs are your responsibility.

•	Lost Luggage Locator Service can help you through the common  
carrier’s claim procedures or can arrange shipment of replacement  
items if an airline or common carrier loses your checked luggage.  
The Benefit Administrator can also arrange a cash advance with 
your Visa issuing bank. However, you are responsible for the 
cost of any replacement items shipped to you.

•	Emergency Translation Service provides telephone assistance in  
all major languages and helps find local interpreters, if available, 
when you need more extensive assistance. NOTE: All costs are 
your responsibility.

•	Prescription Assistance and Valuable Document Delivery 

Arrangements can help you get prescriptions filled or replaced, 
subject to local laws, and can even arrange pickup and delivery 
of prescriptions filled for you at local or nearby pharmacies. It can  
also help transport critical documents which you may have left 
at home or elsewhere. NOTE: All costs are your responsibility.
•	Pre-Trip Assistance can give you information on your destination  
before you leave—information such as ATM locations, currency 
exchange rates, weather reports, health precautions, immunizations,  
and required passport visas.

Additional Provisions for Travel and Emergency Assistance Services: The benefit  
described in this Guide to Benefit will not apply to Visa cardholders whose accounts  
have been suspended or canceled. The terms and conditions contained in this Guide  
to Benefit may be modified by subsequent endorsements. Modifications to the terms  
and conditions may be provided via additional Guide to Benefit mailings, statement 
inserts, or statement messages.
For general questions regarding this benefit, call the Benefit Administrator at  
1-800-VISA-911. If you are outside the United States, call collect at 410-581-9994.

FORM #VTEAS – 2010 (Stand 04/11)

© 2006–2010, Visa. All Rights Reserved.

visa.com