World Debit Mastercard Benefits

The following section covers Point World Debit Mastercard benefits and contains detailed information about extensive insurance, travel and retail protection services you can access as a Point World Debit Mastercard cardholder.

To file a claim or for more information on any of these services, call the Mastercard Assistance Center at
‍1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466.“Card” refers to World DebitTM Mastercard® card and “Cardholder” refers to a World DebitTM Mastercard® cardholder.

“Card” refers to World DebitTM Mastercard® card and “Cardholder” refers to a World DebitTM Mastercard® cardholder.

Key Terms
‍
‍Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company, Inc. (Except for Satisfaction Guarantee refer to AIG Warranty Guard, Inc.)
‍Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-800-Mastercard.
‍Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.
‍Cardholder means the person who has been issued an account by the Participating Organization for the covered card.
‍Covered Card means the Mastercard card.
‍Damage means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.
‍Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.
‍Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the probability of theft.
‍United States Dollars (USD) means the currency of the United States of America.

1. Cellular Wireless Telephone Protection
‍

• 1.1 Key Terms
  Throughout this document, you and your refer to the cardholder. We, us, and our refer to New Hampshire Insurance Company, an AIG company, New York, NY.
  
  ‍Account Holder means a person to whom an eligible account is issued and who holds the eligible account under his or her name.
  
  ‍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 may be reached by phone at 1-800-Mastercard.
  
  Authorized User means a person who is recorded as an authorized user of an eligible account by the account holder and who is authorized by the account holder to make payments to the eligible account.
  
  ‍Cardholder means the account holder or authorized user of an eligible account in good standing.
  
  ‍Covered Card means the Mastercard card linked to your eligible account.
  
  ‍Eligible Account means the account associated with the cardholder’s U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the group policy.
  
  ‍Eligible Cellular Wireless Telephones means the cellular telephones associated with the primary line and additional or supplemental lines on the eligible person’s monthly billing 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.
  
  ‍Group Policy means the Cellular Protection Insurance Policy entered between New Hampshire Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the subject of this Guide to Benefits.
  
  ‍Mysteriously Disappear means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
  
  ‍Stolen means taken by force and/or under duress or a loss which involves the disappearance of an eligible cellular wireless telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.
  ‍

• 1.2 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:
  
  Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to your covered card; and
  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.
  
  ‍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 $600 per claim, and $1000 per covered card per 12 month amount. 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 “non-contribution” 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 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 cover 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 cover, 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 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:
  o 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;
  o A copy of your current wireless service provider’s billing statement;
  o If a claim is due to damage, a copy of the repair estimate and photos of the damage;
  o If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and
  o Any other documentation or information reasonably requested by us to support the claim.

2. Purchase Assurance (New Purchase Insurance)

• 2.1 Evidence of Coverage
  ‍
  Pursuant to the below terms and conditions, when an item you bought with your covered card is damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits under this coverage.
  Refer to Key Terms 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.
  
  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:
  o The actual cost of the item (excluding delivery and transportation costs).
  o A maximum of $1,000 per loss and a total of $25,000 per cardholder account per twelve (12) month period.
  • Purchases that are made up of a pair or set will be limited to the cost of repair or replacement of the specific item stolen or damaged. If the specific item cannot be replaced individually or repaired, the value of the pair or set will be covered not to exceed the limits above.
  • Coverage for stolen or damaged jewelry or fine art will be limited to the actual purchase price as listed on your credit card statement, regardless of sentimental or appreciated market value.
  
  D. What is NOT covered:
  • Items left in public sight, out of arm’s reach, lacking care, custody or control by the cardholder.
  • Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there is no physical evidence to show what happened to the item) without any evidence of a wrongful act.
  • Items that are stolen from any location or place (including, but not limited to, exercise facilities, places of employment, schools, or places of worship) due to the lack of due diligence by you or another party.
  • Items lost, stolen, damaged, or mis-delivered while under the care, custody, and control of another party or common carrier (including, but not limited to, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).
  • Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.
  • Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.
  • Losses that cannot be verified or substantiated.
  • Items covered by a manufacturer’s recall or class action suit.
  • Items that you damage through alteration (including, but not limited to, cutting, sawing, shaping).
  • Used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.
  • Stolen items without a documented report from the police.
  • Items that are damaged during transport via any mode.
  • Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle, automobile or any other motor vehicles.
  • Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or their motors,
  equipment, or accessories. Motorized equipment not designed for transportation and used solely for the upkeep and maintenance of a residence is eligible for coverage, (including, but not limited to, snow thrower, lawn mowers, and hedge trimmers).
  • Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, fixtures, or structures.
  • Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare, or precious metals, stamps, and coins, currency or its equivalent.
  • Losses caused by insects, animals, or pets.
  • Plants, shrubs, animals, pets, consumables, and perishables.
  • Items purchased for resale, rental, professional, or commercial use.
  • Professional services (including, but not limited to, the performance or rendering of labor or maintenance; repair or installation of products, goods, or property; professional advice of any kind, including, but not limited to, information/ services or advice secured from any help or support line; or technical support for software, hardware, or any other peripherals).
  • Application programs, computer programs, operating software, and other software.
  • Losses resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
  • Losses caused by power surge, contamination by radioactive or hazardous substances, including mold.
  • Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, and earthquake).
  • Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.
  • Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).
  • Items stolen or damaged at a new home construction site.
  • Rented, leased, or borrowed items for which you will be held responsible.
  • Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.
  • Any shipping charges, transportation and delivery charges, or promised time frames for delivery, whether or not stated or covered by the manufacturer’s warranty.
  
  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.
  • Submit the following documentation within one hundred and eighty (180) days of the date you report the claim:
  o Repair estimate for damaged item(s).
  o Photograph clearly showing damage, if applicable.
  o Receipt showing purchase of covered item(s).
  o Statement showing purchase of covered item(s).
  o Report from police listing any items stolen.
  o Copy of the declarations page of any applicable insurance or
  protection (including, but not limited to, homeowner’s, renter’s, or auto insurance policy).
  • Any other documentation that may be reasonably requested by us or our administrator to validate a claim‍

3. Mastercard Global Service (Global travel assistance)

• 3.1 Mastercard Global Service provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.
  ‍
  Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account.
  ‍
  In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-Mastercard. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language.You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:
  ‍
  Australia..............................1-800-120-113
  Austria .............................0800-070-6138
  France .............................. 0-800-90-1387
  Germany.........................0800-071-3542
  Hungary................................ 06800-12517
  Ireland ............................... 1-800-55-7378
  Italy........................................ 800-870-866
  Mexico .....................001-800-307-7309
  Netherlands .................. 0800-022-5821
  Poland .............................. 0-0800-111-1211
  Portugal................................800-8-11-272
  Spain......................................900-822-756
  United Kingdom ...........0800-96-4767
  Virgin Islands .............. 1-800-307-7309For 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.

4. 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.
  
  Eligibility:
  All Mastercard consumer debit 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 here. 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 deep and dark 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 24/7 year-round 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: Cardholder’s will be provided assistance with notifying the appropriate issuing authorities to cancel and replace stolen or missing items, such as their debit/credit card, 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.
  
  ‍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.

5. Trip Cancellation

• 5.1 Key Terms
  ‍
  Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company.
  
  ‍Administrator means Sedgwick Claims Management Services, Inc., You may contact the administrator if You have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-800-MasterCard.
  
  ‍Authorized 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.
  
  Charge means any non-refundable cancellation or change fee imposed by the 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 MasterCard card.
  
  ‍Destination means the place where You expect to travel on Your trip as indicated on Your common
  carrier ticket.
  
  ‍Domestic partner means an unmarried person in an intimate, committed relationship of mutual caring. They must share responsibility for basic living expenses with You. They must be at least eighteen (18) years old and not currently married and/or committed to another person.
  
  ‍Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of 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.
  
  ‍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.
  
  ‍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.
  
  ‍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 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. United States Dollars (USD) means the currency of the United States of America.
  ‍

• 5.2 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 with Your covered card and/or accumulated points from Your covered card for You, or Your family member, and Your traveling companions. Family member(s) do not need to travel with the cardholder to receive coverage. If the trip is not purchased entirely with Your covered card, We will only pay for the percentage of the eligible claim based on the percentage of the trip purchased on the covered card.
  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. Covered Reasons:
  1. Sickness, injury, or death of You, Your family member, or Your traveling companion, booked to travel with You which results in medically imposed restrictions. A physician must advise cancellation of Your trip on or before the trip departure date.
  
  ‍C. The kind of coverage You receive:
  
  Trip Cancellation
  We will reimburse You for any incurred charge if You are required to cancel Your trip, prior to Your trip departure date, due to a covered reason. You must cancel Your 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 been charged had You notified the common carrier and the claim administrator as soon as reasonably possible.
  
  ‍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; or
  • $5,000 per 12 month period; or
  • The original cost of the common carrier ticket for the trip.
  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).
  
  ‍D. 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.
  
  ‍E. How to file a claim:
  Call the 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of the failure or the claim may not be honored.
  Submit the following documentation within one hundred and eighty (180) days from the date of failure or the claim may not be honored:
  Completed and signed claim form.
  Covered card billing statement showing the charge for the covered trip.
  Proof of a covered reason. Examples, orders to report for active duty, subpoena to appear in court, etc.
  For sickness, injury or death, a 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 designated representative
  to validate a claim.

6. MasterRental® (Car rental insurance)

• 6.1 Key Terms:
  ‍
  Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG company.
  
  ‍Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-800-MASTERCARD.Authorized driver(s) means a driver with a valid driver’s license issued from their state of resident and indicated on the rental agreement.
  
  Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.
  
  ‍Cardholder means the person who has been issued an account by the Participating Organization for the covered card.Covered card means the MasterCard card.
  
  ‍Damage means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.
  
  ‍Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.
  
  ‍Manufacturer suggested retail price (MSRP) means the purchase price of the vehicle or the value of the vehicle based on the National Automobile Dealers Association website at www.nada.com or similar source.
  
  ‍Rental agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement.
  
  ‍Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the probability of theft.
  
  ‍United States Dollars (USD) means the currency of the United States of America.
  
  ‍Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.
  ‍

• 6.2 Evidence of Coverage
  ‍
  ‍Pursuant to the below terms and conditions, when you rent a vehicle for fifteen (15) consecutive days or less with your covered card, you are eligible for benefits under this 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 initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not considered rental charges) with your covered card and/or the accumulated points from your covered card at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card.
  
  You must decline the optional 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 fifteen (15) consecutive days. Rental periods that exceed or are intended to exceed fifteen (15) consecutive days are not covered.
  
  The rented vehicle must have a MSRP that does not exceed $50,000 USD.
  
  B. The kind of coverage you receive:
  We will pay for the following on a 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 MasterRental is provided on a secondary basis and a covered loss has occurred the order in which benefits are determined is as follows:
  1. You or an authorized driver’s primary auto insurance;
  2. Collision/damage waiver provided to you by the rental agency;
  3. Any other collectible insurance;
  4. The coverage provided under this EOC.
  
  If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described in Section B, not covered by the other insurance.
  
  Note: In certain parts of the United States and Canada losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).
  
  If you have no other insurance or your insurance does not cover you in territories or countries outside of the United States, coverage is considered primary coverage.
  
  D. Who is covered:
  The covered card cardholder and those designated in the rental agreement as authorized drivers.
  
  E. Excluded rental vehicles:
  - All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles.
  - All sport utility trucks. These are vehicles that have been or can be converted to an open, flat bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
  - Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
  - Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
  - Any rental vehicle that has a MSRP that exceeds $50,000 USD.
  
  F. Where you are covered:
  Coverage is available worldwide except in the following countries: Republic of Ireland, Northern Ireland, Israel, Jamaica.
  Coverage is not available in countries where:
  a) This EOC is prohibited by that country's law; or
  b) The terms of the EOC are in conflict with the laws of that country.
  
  G. Coverage limitations:
  We will pay the lesser of the following:
  a) The actual repair amount;
  b) Wholesale market value less salvage and depreciation;
  c) The rental agencies purchase invoice less salvage and depreciation; or
  d) $50,000 USD
  In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service.
  
  We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.
  
  H. What is NOT covered:
  • Any personal item stolen from the interior or exterior of rental vehicles.
  • Vehicle keys or portable Global Positioning Systems (GPS).
  • Vehicles not rented by the cardholder or authorized user on 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 primary vehicle insurance or other indemnity policy.
  • Any violation of the written terms and conditions of the rental agreement.
  • Any loss that occurs while driving under the influence of drugs or alcohol.
  • Any loss associated with racing or reckless driving.
  • Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to the police and/or rental agency, as a result of negligence.
  • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
  • Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
  • Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
  • Rental vehicles where 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 fifteen (15) consecutive days from a rental agency.
  • Losses resulting from any kind of illegal activity.
  • Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
  • Damage sustained on any road not regularly maintained by a municipal, state, or federal entity.
  • Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
  • Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
  • Theft of, or damage to, unlocked or unsecured vehicles.
  • Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
  • Vehicles rented in Republic of Ireland, Northern Ireland, Israel, Jamaica.
  
  I. How to file a claim:
  Call 1-800-MASTERCARD to request a claim form. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
  You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact us or our administrator for further details.
  
  Submit the following documentation within one hundred and eighty (180) days of the incident or the claim will not be honored:
  - Completed and signed claim form.
  - Receipt showing the vehicle rental.
  - Statement showing the vehicle rental.
  - The rental agreement (front and back).
  - Copy of Your valid driver’s license (front and back).
  - Copy of the declarations page of any primary vehicle
  insurance and other valid insurance or coverage.
  - Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in a collision that requires the vehicle; to be towed, in a multi-vehicle collision, or the vehicle is not drivable.
  - Itemized repair estimate from a factory authorized collision repair facility.
  - Copy of the vehicle rental company promotion/discount, if applicable.
  - Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
  
  Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Mastercard Benefits Guide 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 cardholder, at no additional charge.

The insurance benefits are provided under the group policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the group policy.

‍Effective date of benefits: Effective July 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 may cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder cancels these benefits, you will be notified in advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and conditions of coverage.

‍Benefits to you: These benefits apply only to eligible accounts issued in the United States. The United States is defined as the fifty U.S. states and the District of Columbia. No person or entity other than you shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your eligible account is suspended or cancelled, subject to the terms and conditions of coverage.

‍Transfer of rights or benefits: The group policy is not assignable, but the benefits may be assigned.

‍Intentional Misrepresentation and Fraud: If any request for benefits made under the group policy is determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying as an insured to obtain benefits under the group policy, all benefits will be forfeited. No coverage is provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or (2) conceals or misrepresents any fact that contributes to the loss.

‍Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage insured under the group policy.

‍Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments, from other parties or persons. Any party or person 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.

‍Salvage: If an item is not repairable, we may request that you send the item to us for salvage at your expense. Failure to remit the requested item for salvage to us may result in denial of the claim.

‍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.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the group policy, the group policy shall control.