M# 120750

Your Guide to Benefit 
describes the benefit in  
effect as of 4/1/17. 
Benefit information in this 
guide replaces any prior benefit 
information you may have 
received. Please read and retain 
for your records. Your eligibility 
is determined by your financial 
institution.

For more information  
about the benefit 
described in this guide, call 
the Benefit Administrator 
at 1-800-551-8472,  
or call collect outside the  
U.S. at 303-967-1096.

YOUR GUIDE TO CARD BENEFIT

Warranty Manager 
Service

For questions about your account, balance, or rewards points please 
call the customer service number on your Visa card statement.

Benefit Information
What is this benefit? 

Warranty Manager Service provides you with valuable features to help manage, use and even extend the 
warranties of eligible items purchased with your Visa card and/or with rewards points earned on your covered 
account. You can access these features with a simple toll-free call. Services include Warranty Registration 
and Extended Warranty Protection. 

Who is eligible for this benefit? 

You are eligible if you are a valid cardholder of an eligible Visa card issued in the United States. 

Why should I use Warranty Registration to register my purchases?

You’ll have peace of mind knowing that your purchases’ warranty information is registered and on 
file. Although Warranty Registration is not required for Extended Warranty Protection benefits, you are 
encouraged to take advantage of this valuable service. When arranging for a repair or replacement, instead of 
searching for critical documents, you can just pick up the phone and call the Benefit Administrator.

How do I register my purchases?

To register an eligible purchase call 1-800-551-8472, or call collect outside the U.S. at 303-967-1096. 
The Benefit Administrator will provide the address to which you can send in the item’s sales receipt and 
warranty information so this key information can be kept on file for you.  

How does Extended Warranty Protection work?

Extended Warranty Protection doubles the time period of the original manufacturer’s written U.S. repair 
warranty up to one (1) additional year on eligible warranties of three (3) years or less for items purchased 
entirely with your eligible Visa card and/or with rewards points earned on your covered account. 
This benefit is limited to no more than the original price of the purchased item (as shown on your Visa card 
receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim 
and fifty thousand dollars ($50,000.00) per cardholder. 

What about purchases made outside of the U.S.?

Purchases made outside of the U.S. are covered as long as you purchased the item entirely with your eligible 
Visa card and the eligible item has a valid original manufacturer’s written U.S. repair warranty of three (3) 
years or less, store-purchased dealer warranty, or assembler warranty.  

What types of purchases are not covered?

  Boats, automobiles, aircraft, and any other 

motorized vehicles and their motors, equipment, 
or accessories, including trailers and other items 
that can be towed by or attached to any motorized 
vehicle

  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

Should I keep copies of receipts or any other records? 

Not if you’ve already registered your purchase. If you have not registered your purchase, however, you should 
keep copies of your Visa card receipt, your store receipt, the original manufacturer’s written U.S. warranty, 
and any other applicable warranty in the event that you need to file a claim, as these documents will be 
required to verify your claim. 

Continued on page 2 

Warranty Manager Service, continued

Filing an Extended Warranty Protection Claim

How do I file a claim?

Call the Benefit Administrator at 1-800-551-8472, or call collect outside the U.S. at 303-967-1096 
immediately after the failure of a covered item. 

Please Note: If you do not notify the Benefit Administrator within sixty (60) days after the product 
failure, your claim may be denied.

The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate 
repair facility, and send you the appropriate claim form. 
Gift recipients of eligible items are also covered by the claim process. However, a gift recipient must provide 
all the documents necessary to fully substantiate the claim.

For faster filing, or to learn more about the Warranty Manager Service benefit,  
visit www.cardbenefitservices.com

What documents do I need to submit with my claim?

Complete and sign the claim form sent to you by the Benefit Administrator and submit it within ninety (90) 
days of the product failure along with the following documents: 
  Your Visa card receipt
  The itemized store receipt
  A copy of the original manufacturer’s written U.S. 

any other documentation deemed necessary to 
substantiate your claim (this includes bills and, if 
necessary, a copy of the maintenance record and 
receipts)

warranty and any other applicable warranty

  A description and serial number of the item, and 

  The original repair order

Please Note: All claims must be fully substantiated. 

How will I be reimbursed? 

If you have substantiated your claim and met the terms and conditions of the benefit, the item will be replaced 
or repaired at the Benefit Administrator’s discretion, but for no more than the original purchase price of 
the covered item as recorded on your Visa card receipt, less shipping and handling fees, up to a maximum 
of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars ($50,000.00) per 
cardholder. 
Under normal circumstances, reimbursement will take place within five (5) business days of receipt and 
approval of all required documents.

What about repairs? 

Extended Warranty Protection will pay the repair facility directly, or you may go to an authorized repair facility 
and file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer’s 
authorized repair facility are covered. 
In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the 
obligation under the benefit. 

Do I have to file with my insurance company?  

No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty 
Protection is supplemental to, and excess of, that coverage. 

ADDITIONAL PROVISIONS FOR WARRANTY MANAGER SERVICE 

This benefit applies only to you, the eligible Visa cardholder, and to whomever receives the eligible gifts you 
purchase entirely with your eligible Visa card and/or with rewards points earned on your covered account.
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 product failure. No payment will be made on a claim that is not completely substantiated in the manner 
required by the Benefit Administrator within six (6) months of the date of product failure.
After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of 
this claim will be transferred to the Benefit Administrator to the extent of payment made to you. You must give the 
Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives 
Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for 
giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of this 
Guide to Benefit have been complied with fully.
The benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in 
this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions 
may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit 
described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or 
canceled. 

2

Continued on page 3 

Warranty Manager Service, continued

Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefit, 
and if they do, they will notify you at least thirty (30) days in advance. This information is a description of the 
benefit provided to you as a Visa cardholder. Indemnity Insurance Company of North America (“Provider”) is the 
underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator 
provides services on behalf of the Provider.  
FORM #VWMGR 10K-50K-3YR – 2013 (04/16) 

WM-O

3

Continued on page 4 

For more information about the benefit described  
in this guide, call the Benefit Administrator at  
1-800-551-8472, or call collect  
outside the U.S. at 303-967-1096.

4

visa.com

© 2016 Visa. All Rights Reserved.

YOUR GUIDE TO CARD BENEFIT

Travel and  
Emergency  
Assistance Services

Your Guide to Benefit 
describes the benefit in  
effect as of 4/1/17. 
Benefit information in this 
guide replaces any prior benefit 
information you may have 
received. Please read and retain 
for your records. Your eligibility 
is determined by your financial 
institution.

For more information  
about the benefit 
described in this guide, call 
the Benefit Administrator 
at 1-800-992-6029, or call 
collect outside the U.S. at 
804-673-1675.

For questions about your account, balance, or rewards points please call the customer service number on 
your Visa card statement.

Benefit Information
What is this benefit?

This benefit offers services designed to help you in case of an emergency while traveling. The Benefit 
Administrator can connect you with the appropriate local emergency and assistance resources available 
when you are away from home, 24 hours a day, 365 days a year. (Please keep in mind that, due to occasional 
issues such as distance, location, or time, neither the Benefit Administrator nor its service providers can be 
responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.)

Who is eligible for this benefit?

You are eligible if you are a valid cardholder of an eligible Visa card issued in the United States. Your spouse 
and children [provided children are dependents under twenty-two (22) years old] may all benefit from 
these special services.

How do I use these services when I need them?

Simply call the toll-free, 24-hour Benefit Administrator line at 1-800-992-6029. If you 
are outside the United States, call collect at 804-673-1675.

Is there a charge for these services?

No. Travel and Emergency Assistance Services are available to eligible Visa cardholders at no  
additional charge.

Please Note: Travel and Emergency Assistance Services provide assistance and referral only.  
You are responsible for the cost of any actual medical, legal, transportation, cash advance, or  
other services or goods provided.

What are the specific services and how can they help me?

  Emergency Message Service can record 

  Legal Referral Assistance can arrange contact 

and relay emergency messages for travelers, 
their immediate family members, or business 
associates. Please Note: The Benefit 
Administrator will use reasonable efforts to 
relay emergency messages in accordance with 
benefit guidelines and limitations, but cannot 
take responsibility for the failure to transmit any 
message successfully.

  Medical Referral Assistance provides medical 
referral, monitoring, and follow-up. The Benefit 
Administrator can give you names of local English-
speaking doctors, dentists, and hospitals; assign 
a doctor to consult by phone with local medical 
personnel, if necessary, to monitor your condition; 
keep in contact with your family, and provide 
continuing liaison; and help you arrange medical 
payments from your Visa or personal account. 
Please Note: All costs are your responsibility.

with English-speaking attorneys and U.S. 
embassies and consulates if you’re detained 
by local authorities, have a car accident, or 
need legal assistance. In addition, the Benefit 
Administrator can coordinate bail payment from 
your Visa or personal account. The Benefit 
Administrator can also follow up to make sure bail 
has been properly handled. Please Note: All costs 
are your responsibility.

  Emergency Transportation Assistance can 

help you make all the necessary arrangements for 
emergency transportation home or to the nearest 
medical facility. This includes arranging to bring 
your young children home and helping you stay 
in contact with family members or employers 
during the emergency. In the case of a death, the 
Benefit Administrator can make arrangements to 
repatriate the remains. Please Note: All costs are 
your responsibility.

Continued on page 2 

Travel and Emergency Assistance Services, continued

  Emergency Ticket Replacement helps you 

  Prescription Assistance and Valuable 

through your carrier’s lost ticket reimbursement 
process and assists in the delivery of a 
replacement ticket to you should you lose 
your ticket. Please Note: All costs are your 
responsibility.

  Lost Luggage Locator Service can help you 

through the common carrier’s claim procedures 
or can arrange shipment of replacement items if 
an airline or common carrier loses your checked 
luggage. Please Note: You are responsible for the 
cost of any replacement items shipped to you.

  Emergency Translation Service provides 

telephone assistance in all major languages and 
helps find local interpreters, if available, when you 
need more extensive assistance. Please Note:  
All costs are your responsibility.

Document Delivery Arrangements can help 
you fill or replace prescriptions, subject to local 
laws, and can arrange pickup and delivery of 
prescriptions filled for you at local pharmacies. 
It can also help transport critical documents that 
you may have left at your home or elsewhere. 
Please Note: All costs are your responsibility.
  Pre-Trip Assistance can give you information 
on your destination before you leave—such 
as ATM locations, currency exchange rates, 
weather reports, health precautions, necessary 
immunizations, and required passport visas.

ADDITIONAL PROVISIONS FOR TRAVEL AND EMERGENCY ASSISTANCE SERVICES 

The benefit described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been 
suspended or canceled. The terms and conditions contained in this Guide to Benefit may be modified by 
subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to 
Benefit mailings, statement inserts, or statement messages.
FORM #VTEAS – 2013 (Stand 04/16) 

TEAS-O

For more information about the benefit described in this guide, call the Benefit 
Administrator at 1-800-992-6029, or call collect outside the U.S. at 804-673-1675.

2

© 2016 Visa. All Rights Reserved.

YOUR GUIDE TO CARD BENEFIT

M# 120198

Your Guide to Benefit 
describes the benefit in  
effect as of 4/1/17. 
Benefit information in this 
guide replaces any prior benefit 
information you may have 
received. Please read and retain 
for your records. Your eligibility 
is determined by your financial 
institution.

Travel Accident  
Insurance

For questions about your account, balance, or rewards points please 
call the customer service number on your Visa card statement.

Benefit Information
Principal Sum: $250,000  

THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT ONLY POLICY AND DOES NOT PAY BENEFITS 
FOR LOSS FROM SICKNESS.
This Description of Coverage is provided to all eligible Visa Signature Connect Rewards cardholders and 
replaces any and all Descriptions of Coverage previously issued to the insured with respect to insurance 
described herein.

Eligibility and Period of Coverage

As a Visa Signature Connect Rewards cardholder, you are covered beginning on 4/1/2017 or the date 
your credit card is issued, whichever is later.
You and your dependents1 become covered automatically when the entire Common Carrier fare is charged 
to your covered Visa Signature Connect Rewards card account (“Covered Persons”). It is not necessary 
to notify the financial institution, the Insurance Company, or the Plan Administrator when tickets are 
purchased. Coverage ends when the policy is terminated.

Benefits

Subject to the terms and conditions, if a Covered Person’s accidental bodily Injury occurs while on a 
Covered Trip and results in any of the following Losses within one (1) year after the date of the accident,  
the Insurance Company will pay the following percentage of the Principal Sum for accidental Loss of:
Life ............................................................................................................................................. 100%
Both hands or both feet ............................................................................................................... 100%
Sight of both eyes ........................................................................................................................ 100%
One hand and one foot ................................................................................................................ 100%
Speech and hearing .................................................................................................................... 100%
One hand or one foot and the sight of one eye ............................................................................... 100%
One hand or one foot ..................................................................................................................... 50%
Sight of one eye ............................................................................................................................ 50%
Speech or hearing ......................................................................................................................... 50%
Thumb and index finger on the same hand ....................................................................................... 25%

In no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit 
for any one Loss sustained by a Covered Person as a result of any one accident. The maximum amount 
payable for all Losses due to the same accident is the Principal Sum.
Loss means actual severance through or above the wrist or ankle joints with regard to hands and 
feet; entire and irrevocable loss of sight, speech or hearing; actual severance through or above the 
metacarpophalangeal joints with regard to thumb and index fingers. The life benefit provides coverage in 
the event of a Covered Person’s death. If a Covered Person’s body has not been found within one (1) year 
of disappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person 
was covered as a passenger, then it shall be presumed, subject to all other provisions and conditions of 
this coverage, the Covered Person suffered loss of life.
Injury means bodily injury or injuries, sustained by the insured person which are the direct cause of Loss, 
independent of disease cause of Loss, independent of disease or bodily infirmity, and occurring while the 
Covered Person is covered under this policy, while the insurance is in force.
Covered Trip means a trip (a) while the Covered Person is riding on a Common Carrier as a passenger 
and not as a pilot, operator, or crew member; (b) charged to your Visa Signature Connect Rewards card; 
and (c) that begins and ends at the places designated on the ticket purchased for the trip. Covered Trip will 
also include travel on a Common Carrier (excluding aircraft), directly to, from, or at any Common Carrier 
terminal, which travel immediately precedes departure to or follows arrival at the destination designated on 
the ticket purchased for the Covered Trip.
Common Carrier means any scheduled airline, land, or water conveyance licensed for transportation of 
passengers for hire.

Continued on page 2 

Travel Accident Insurance, continued

Exclusion: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) 
suicide, attempted suicide, or intentionally self-inflicted injury; (b) any sickness or disease; (c) travel or 
flight on any kind of aircraft or Common Carrier except as a fare-paying passenger in an aircraft or on a 
Common Carrier operated on a regular schedule for passenger service over an established route; or (d) 
war or act of war, whether declared or undeclared.
Beneficiary: Benefit for Loss of life is payable to your estate, or to the beneficiary designated in writing by 
you. All other benefits are payable to you.
Notice of Claim: Written Notice of Claim, including your name and reference to Visa Signature Connect 
Rewards, should be mailed to the Plan Administrator within twenty (20) days of a covered Loss or as soon 
as reasonably possible. The Plan Administrator will send the claimant forms for filing proof of Loss.
The Cost: This travel insurance is purchased for you by your financial institution.
Description of Coverage: This description of coverage details material facts about a Travel Accident 
Insurance Policy which has been established for you and is underwritten by Virginia Surety Company, Inc. 
Please read this description carefully. All provisions of the plan are in the policy, issued to the financial 
institution trust. Any difference between the policy and this description will be settled according to the 
provisions of the policy.

Questions: Answers to specific questions can be 
obtained by writing to the Plan Administrator:
cbsi Card Benefit Services
550 Mamaroneck Avenue, Suite 309
Harrison, NY 10528

Plan Underwritten by: 
Virginia Surety Company, Inc.
175 West Jackson Blvd., 11th Floor
Chicago, IL 60604

State Amendments

For Illinois Residents Only the following statement is added: If a Covered Person recovers expenses for sickness 
or injury that occurred due to the negligence of a third party, the Company has the right to first reimbursement for 
all benefits the Company paid from any and all damages collected from the negligent third party for those same 
expenses whether by action at law, settlement, or compromise, by the Covered Person, the Covered Person’s 
parents if the Covered Person is a minor, or the Covered Person’s legal representative as a result of that sickness 
or injury. You are required to furnish any information or assistance, or provide any documents that we may 
reasonably require in order to exercise our rights under this provision. This provision applies whether or not the 
third party admits liability.
1 Your spouse, unmarried dependent child(ren), under age nineteen (19) [twenty-five (25) if a full-time 
student]. No age limit for incapacitated child. Incapacitated child means a child incapable of self-sustaining 
employment by reason of mental retardation or physical handicap, and chiefly dependent on you for support and 
maintenance. Dependent child(ren) receive fifty percent (50%) of your benefit amount.

ADDITIONAL PROVISIONS FOR TRAVEL ACCIDENT INSURANCE 

Travel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. 
(herein referred to as “Company”). We reserve the right to change the benefits and features of all these programs.
The financial institution or the Company can cancel or choose not to renew the Insurance coverages for all 
Insureds. If this happens, the financial institution will notify the accountholder at least thirty (30) days in advance 
of the expiration of the policy. Such notices need not be given if substantially similar replacement coverage takes 
effect without interruption and is provided by the same insurer. Insurance benefits will still apply to Covered 
Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms and conditions 
of coverage are met. Travel Accident Insurance does not apply if your Visa Signature Connect Rewards 
card privileges have been suspended or canceled. However, insurance benefits will still apply to Covered Trips 
commenced prior to the date that your account is suspended or canceled provided all other terms and conditions 
of coverage are met.
Coverage will be void if, at any time, the accountholder has concealed or misrepresented any material fact 
or circumstance concerning this coverage or the subject thereof or the accountholder’s interest herein, or 
in the case of any fraud or false swearing by the Insured relating thereto. No person or entity other than the 
accountholder shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages 
under or arising out of this coverage.  
No action at law or in equity shall be brought to recover on this coverage prior to the expiration of sixty (60) days 
after proof of loss has been furnished in accordance with the requirements of this Description of Coverage.
The Company, at its expense, has the right to have you examined as often as reasonably necessary while a claim 
is pending. The Company may also have an autopsy made unless prohibited by law. 

FORM #VTAI – 2013 (Stand 04/16) 

TAI-O

2

visa.com

© 2016 Visa. All Rights Reserved.

M# 120749

Your Guide to Benefit 
describes the benefit in  
effect as of 4/1/17. 
Benefit information in this 
guide replaces any prior benefit 
information you may have 
received. Please read and retain 
for your records. Your eligibility 
is determined by your financial 
institution. 

For more information  
about the benefit 
described in this guide, call 
the Benefit Administrator 
at 1-800-554-1275,  
or call collect outside the  
U.S. at 804-673-6497.

YOUR GUIDE TO CARD BENEFIT

Hotel Theft  
Protection

For questions about your account, balance or rewards points please 
call the customer service number on your Visa card statement.

Benefit Information 
What is this benefit?

When You pay for the cost of a Hotel/Motel room located in the United States or Canada with Your eligible Visa 
card and/or with rewards points earned on your covered account, You will be eligible to receive a one-time 
payment of up to $1500.00 for personal property stolen from Your room, in excess of any compensation 
provided by the Hotel/Motel and/or any valid and collectible insurance benefits or reimbursement.

Who is eligible for this benefit?

You are eligible if You are a valid cardholder of an eligible Visa card issued in the United States.

What is covered?

The cost of replacing Your personal property (or its depreciated value if You choose not to replace it) 
is covered up to a maximum of $1500.00 less any amounts paid or payable by the Hotel/Motel or any 
other insurance, whether the insurance is primary, contributing, excess, or contingent; or any other 
reimbursement. This benefit will be paid only if:
A.  There is evidence of Forceful Entry and;
B.  You make a sworn statement to police authorities having jurisdiction within 24 hours of discovering the 

Hotel Theft and furnish a notarized copy of that statement with Your claim, and;

C.  The Hotel/Motel verifies the loss

Please Note: Coverage begins each time You Check In to an eligible room in a Hotel/Motel, and 
coverage ends each time You Check Out of an eligible room in a Hotel/Motel.

What is not covered?

This benefit will not provide reimbursement for theft of the following:

  Animals
  Art objects
  Business Items and cellular phones
  Cash, checks, securities, credit cards, debit 
cards, and other negotiable instruments

  Tickets, documents, keys, coins, deeds, bullion, 

and stamps

  Perishables and consumables including, but not 
limited to perfume, cosmetics, and limited-life 
items such as rechargeable batteries

Definitions

Business Items means items that are used in the purchase, sale, production, promotion, or distribution of 
goods or services (including, but not limited to, manuals, computers and their accessories, software, data, 
facsimile, samples, collateral materials, etc.).

Forceful Entry means that someone illegally accessed Your Hotel/Motel room by breaking in a door, window, 
or surrounding walls.

Hotel/Motel means an establishment, located in the United States or Canada that provides lodging for the 
general public, and usually meals, entertainment, and various personal services.

Hotel Theft means Forceful Entry into Your premises and You suffer a loss of property.

Check In means the moment You register at the Hotel/Motel.

Check Out means the moment You vacate the Hotel/Motel room and pay the itemized total costs incurred for 
the stay.

Eligible Person means a valid cardholder who pays for the Hotel/Motel room by using the eligible Visa card 
and/or with rewards points earned on your covered account.

Immediate Family Member means Your spouse or legal dependent children under age eighteen (18) 
[twenty-five (25) if enrolled as a full-time student at an accredited institution].

Continued on page 2 

Hotel Theft Protection, continued

You or Your means an Eligible Person (as defined above) or Your Immediate Family Members who charged 
their trip to Your eligible Visa card and/or with rewards points earned on your covered account.

Filing a Hotel Theft Protection Claim 

What should I do if my hotel room is burglarized?

Notify the Benefit Administrator immediately by calling 1-800-554-1275, or call collect outside the 
U.S. at 804-673-6497. Notification must be made within twenty (20) days from the date of incident. The 
representative will answer any questions You may have and send You a special claim form.

How do I file a claim?

Complete the claim form You receive from Your call to the Benefit Administrator. Mail the following items 
within ninety (90) days of the date of incident to:

Card Benefit Services
P.O. Box 72034
Richmond, VA 23255

  The completed claim form
  A copy of Your charge slip, as proof that the Hotel/
Motel was charged and paid for with Your eligible 
Visa card and/or with rewards points earned on 
your covered account. 

  A statement from Your insurance carrier (and/or 
Your employer, or employer’s insurance carrier) 
showing any amounts they may have paid toward 
the claim cost or, if You have no applicable 
insurance or other reimbursement, a notarized 

statement to that effect
  A copy of the police report
  A copy of any valid and collectible insurance or 

other reimbursement available to You
  A copy of any settlement payment or 

reimbursement made to You from the Hotel/Motel
  Any other documentation deemed necessary by 

the Benefit Administrator to substantiate the claim

Transference of Claims

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.

ADDITIONAL PROVISIONS FOR HOTEL THEFT PROTECTION  

You must 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, no coverage 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.  
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives 
Proof of Loss. After the expiration of two (2) years from the time written Proof of Loss was to be provided, no 
action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider 
unless all the terms of this Guide to Benefit have been complied with fully.
This benefit is provided to eligible 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 cardholders whose accounts have been suspended or 
canceled.
Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the 
benefit, and if they do, they will notify You at least thirty (30) days in advance. This information is a description of 
the benefit provided to You as a cardholder. Indemnity Insurance Company of North America (“Provider”) is the 
underwriter of this benefit and is solely responsible for its administration and claims. The Benefit Administrator 
provides services on behalf of the Provider.

FORM #VHOTBURG – 2013 (04/14) 

HMTP-O

For more information about the benefit described  
in this guide, call the Benefit Administrator at  
1-800-554-1275, or call collect  
outside the U.S. at 804-673-6497.

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© 2006–2013 Visa. All Rights Reserved.

YOUR GUIDE TO CARD BENEFITS

Visa  
Signature Card

M# 120197

Your Guide to Benefits 
describes the benefits in 
effect as of 4/1/17. Benefit 
information in this guide replaces 
any prior benefit information you 
may have received. Please read 
and retain for your records. Your 
eligibility is determined by your 
financial institution.

For more information  
about the benefits 
described in this guide, call 
the Benefit Administrator 
at 1-800-397-9010, or call 
collect outside the U.S. at 
303-967-1093.

For questions about your account, balance, or rewards points please call 
the customer service number on your Visa Signature card statement.

 Auto Rental Collision Damage Waiver

What is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit? 

The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for 
automobile rentals made with your Visa Signature card. The benefit provides reimbursement (subject to the 
terms and conditions in this guide) for damage due to collision or theft up to the actual cash value of most 
rental vehicles. 

Who is eligible for this benefit?

You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa Signature card 
issued in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted 
by the auto rental agreement are covered. 

What losses are covered? 

The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally 
manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some 
restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle. 
Covered losses include: 
  Physical damage and/or theft of the covered rental 

  Reasonable and customary towing charges, due  

vehicle

  Valid loss-of-use charges imposed and 

substantiated by the auto rental company 

to covered theft or damage, to the nearest qualified 
repair facility

Please Note: This benefit only covers vehicle rental periods that neither exceed nor are intended to 
exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive 
days outside your country of residence. 

How does this coverage work with other insurance?

Within your country of residence, this benefit supplements, and applies excess of, any valid and collectible 
insurance or reimbursement from any source. This means that, subject to the terms and conditions of this 
benefit, Auto Rental CDW applies to eligible theft or damage or expenses that are not covered by insurance or 
reimbursement. 
If you do not have personal automobile insurance or any other insurance covering this theft or damage, 
this benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use 
charges imposed by the auto rental company and reasonable towing charges that occur while you are 
responsible for the rental vehicle. 
If you do have personal automobile insurance or other insurance covering this theft or damage, the Auto 
Rental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any 
unreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company, as 
well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your 
responsibility.  

What types of rental vehicles are not covered? 

The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; cargo 
vans; certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; 
limousines; and recreational vehicles. 
   Examples of excluded expensive or exotic 

automobiles include: the Aston Martin, Bentley, 
Bricklin, Daimler, DeLorean, Excalibur, Ferrari, 
Jensen, Lamborghini, Lotus, Maserati, Porsche, 
and Rolls Royce. However, selected models of 
BMW, Mercedes-Benz, Cadillac, and Lincoln are 
covered. 

  An antique automobile is defined as any vehicle 
over twenty (20) years old or any vehicle that has 
not been manufactured for ten (10) years or more. 

   Vans are not covered, with the exception of 

those manufactured and designed specifically 
as small group transportation vehicles (for a 
maximum of nine (9) people including the driver). 

Continued on page 2 

Auto Rental Collision Damage Waiver, continued

For questions about a specific vehicle, call the Benefit Administrator at 1-800-397-9010.  
If you are outside the United States, call collect at 303-967-1093. 

What else is not covered?

  Any obligation you assume under any agreement 
(other than the deductible under your personal  
auto policy)

  Any violation of the auto rental agreement or this 

benefit

  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 

  Injury of anyone or damage to anything inside or 

vehicles

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” 

  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 
after damage occurs (for example, leaving the 
vehicle running and unattended)

  Theft or damage reported more than forty-five (45) 

  Expenses reimbursable by your insurer, employer, 

days* from the date of the incident 

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 for which a claim form has not 
been received within ninety (90) days* from the 
date of the incident

  Theft or damage for which all required 

documentation has not been received within three 
hundred and sixty-five (365) days from the date of 
the incident

  Theft or damage from rental transactions that 
originated in Israel, Jamaica, the Republic of 
Ireland, or Northern Ireland

Where am I covered? 

This benefit is available in the United States and most foreign countries. However, no benefit is provided 
for motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, 
this benefit is not available where precluded by law or in violation of the territory terms of the auto rental 
agreement or prohibited by individual merchants. Because regulations vary outside the United States, it 
is recommended you check with your auto rental company and the Benefit Administrator before you 
travel to make sure Auto Rental CDW will apply. 

This benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver 
permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto 
rental company. This benefit terminates when the auto rental company re-assumes control of the rental 
vehicle. 

How do I make sure my Auto Rental CDW benefit is in effect? 

To be sure you are covered, take the following steps when you rent a vehicle:

1 Initiate and complete the entire rental 

transaction with your eligible Visa Signature 
card.

2 Decline the auto rental company’s collision damage 

waiver (CDW/LDW) option or similar provision.

Helpful tips:
  Be sure to check the rental vehicle for prior damage before leaving the rental lot. 
   Review the auto rental agreement carefully to make sure you are declining CDW/LDW and are 

familiar with the terms and conditions of the auto rental agreement. 

What if the auto rental company insists that I purchase the auto rental company’s auto insurance or 
collision damage waiver? 

Call the Benefit Administrator for help at 1-800-397-9010. If you are outside the United States,  
call collect at 303-967-1093.  

Filing an Auto Rental CDW Claim   

What do I do if I have an accident or the rental vehicle is stolen? 

Immediately call the Benefit Administrator at 1-800-397-9010 to report the theft or damage regardless of 
whether your liability has been established. If you are outside the United States, call collect at 303-967-
1093. The Benefit Administrator will answer any questions you or the auto rental company may have and will 
send you a claim form. 

2

Continued on page 3 

Auto Rental Collision Damage Waiver, continued

When should I report an incident? 

You should report theft or damage as soon as possible, but no later than forty-five (45) days* from 
the date of the incident. The Benefit Administator reserves the right to deny any claim that contains charges 
that would not have been included had the Benefit Administrator been notified before those expenses were 
incurred, so you are advised to notify the Benefit Administator immediately after any incident.

Please Note: You must make every reasonable effort to protect the rental vehicle from theft or damage.  
As the cardholder you are responsible for reporting your claim to the Benefit Administrator immediately. 
Reporting an incident to someone other than the Benefit Administrator will not fulfill this obligation.

What do I need from the auto rental company in order to file a claim? 

At the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental 
company for: 

  A copy of the accident report form and claim 

  A copy of the repair estimate and itemized  

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)

repair bill

  Two (2) photographs of the damaged vehicle,  

if available

 A police report, if obtainable

How do I file a claim?  

Submit the documents gathered from the auto rental company (listed above) along with the following 
additional documents to the Benefit Administrator: 
   The completed and signed Auto Rental CDW claim 
form. Please Note: Your completed claim form 
must be postmarked within ninety (90) days* of 
the date of the theft or damage, even if all other 
required documentation is not yet available, or  
your claim may be denied. 

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 your automobile insurance policy’s 

   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 Signature card
   A statement from your insurance carrier (and/or 
your employer or employer’s insurance carrier, 
if applicable) or other reimbursement showing 

Declarations Page. “Declarations Page” means 
the document(s) in your insurance policy that lists 
names, coverages, limits, effective dates and 
deductibles. 

   Any other documentation deemed necessary by 

the Benefit Administrator to substantiate the claim

Please Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days of 
the date of theft or damage. If you have difficulty obtaining the required documents within ninety (90) days* of 
the date of theft or damage, submit the claim form with available documentation. 

For faster filing, or to learn more about Auto Rental CDW, visit www.eclaimsline.com

Do I have to do anything else? 

Usually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the Visa 
Signature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate 
your claim. 
After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of 
this theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made 
to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights 
and remedies. 

* Not applicable to residents of certain states. 
ADDITIONAL PROVISIONS FOR AUTO RENTAL CDW

You must make every effort that would be made by a reasonable and prudent person to protect the rental 
vehicle from theft or damage. This provision will not be unreasonably applied to avoid claims. 
If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost 
of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder 
agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions 
shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact. 
Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the 
date of the incident/occurrence. No payment will be made on a claim that is not completely substantiated 
in the manner required by the Benefit Administrator within twelve (12) months of the date of the incident/
occurrence. 
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives 
Proof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no 
action shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider 
unless all the terms of this Guide to Benefits have been complied with fully. 
This benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions 
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms 
and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement 
messages. The benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose 
accounts have been suspended or canceled. 

3

Continued on page 4 

Auto Rental Collision Damage Waiver, continued

Termination dates may vary by financial institution. Your financial institution can cancel or non-renew the 
benefit, and if they do, they will notify you at least thirty (30) days in advance. This information is a description 
of the benefit provided to you as a Visa Signature cardholder. Indemnity Insurance Company of North America 
(“Provider”) is the underwriter of this benefit and is solely responsible for its administration and claims. The 
Benefit Administrator provides services on behalf of the Provider.  

FORM #VARCDW – 2013 (Stand 04/16)  

                   ARCDW-S

 For more information about the benefits described in this 
guide, call the Benefit Administrator at 1-800-397-9010,  
or call collect outside the U.S. at 303-967-1093.

© 2016 Visa. All Rights Reserved.

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