Guide to Benefits

For questions,

call 1-888-880-5844

Eective 03/21/21

BGC10938

Guide to Benets

Important information about your

travel and purchase protection benets

United

Explorer Card and

United Quest

Card

Visa Signature

and Visa Platinum

2 Questions? Call 1-888-880-5844

Your Guide to Benets describes the benet that is in eect as of

03/21/21. Information in this guide takes the place of any prior

benet and benet description you may have previously received.

Your eective date of eligibility is determined by Chase.

Please keep the guide with your account information for future

reference and call the Benet Administrator if you have any

questions before taking advantage of the benet.

TABLE OF CONTENTS

Auto Rental Collision Damage Waiver 3

Baggage Delay Insurance 6

Extended Warranty Protection 10

Lost Luggage Reimbursement 12

Purchase Protection 16

Roadside Assistance 19

Travel Accident Insurance 21

Travel and Emergency Assistance Services 27

Trip Cancellation and Trip Interruption 29

Trip Delay Reimbursement 38

General Provisions 41

2 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 3

Auto Rental Collision Damage Waiver

The Auto Rental Collision Damage Waiver benet provides

reimbursement for damages caused by theft or collision up to the

Actual Cash Value of most rented cars. The Auto Rental Collision

Damage Waiver acts as primary coverage and covers theft, damage,

valid loss-of-use charges imposed and substantiated by the auto

rental company, administrative fees, and reasonable and customary

towing charges (due to a covered theft or damage) to the nearest

qualied repair facility. The Auto Rental Collision Damage Waiver

covers no other type of loss. For example, in the event of a collision

involving Your Rental Vehicle, damage to any other driver’s car,

the injury of anyone, or damage to anything is not covered. Rental

periods up to thirty-one (31) consecutive days are covered.

You are covered when Your name is embossed on an eligible card

issued in the United States, and You use Your credit card Account

and/or rewards programs associated with Your Account to initiate

and complete Your entire car rental transaction. Only You, as the

primary renter of the vehicle, and any additional drivers permitted

by the Rental Car Agreement are covered.

How Do You Use the Auto Rental Collision

Damage Waiver?

1. Use Your Account to initiate and complete Your entire

car rental transaction.

During this transaction, review the Rental Car Agreement and

decline the rental company’s collision damage waiver (CDW/LDW)

option or a similar provision. Accepting this coverage will cancel out

Your benet. If the rental company insists that You purchase their

insurance or collision damage waiver, call the Benet Administrator

for assistance.

Before driving out of the lot, check the rental car for any prior

damage and bring any damage You identify to the attention of

the rental car company.

This benet is in eect during the time the rental car is in Your (or

an authorized driver’s) control, and terminates when the rental

company reassumes control of their vehicle.

This benet is available in the United States and most foreign

countries. Coverage is not available where precluded by law, or

where it’s in violation of the territory terms of the auto rental

agreement, or when prohibited by individual merchants. If you

have questions about where coverage applies, contact the Benet

Administrator before You travel.

What Vehicles Are Not Covered?

Certain vehicles are not covered by this benet, including: high value

motor vehicles, exotic and antique cars (cars over twenty (20) years

old or that have not been manufactured for ten (10) years or more),

cargo vans, vehicles with open cargo beds, trucks, (other than pick-

ups), motorcycles, mopeds, motorbikes, limousines, recreational

vehicles, and passenger vans with seating for more than nine (9)

people, including the driver (passenger vans with seating for nine (9)

or less, including the driver, are covered).

• Examples of high value motor vehicles or exotic car brands not

covered are Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari,

Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche,

Rolls Royce, and Tesla; However, selected models of Audi, BMW,

Mercedes-Benz, Cadillac, Inniti, Land Rover, Lexus, Lincoln, and

Range Rover are covered.

4 Questions? Call 1-888-880-5844

Wondering if coverage applies to a specific type of vehicle?

Contact the Benefit Administrator.

What’s Not Covered?

The Auto Rental Collision Damage Waiver benet does not apply to:

• Any obligation You assume under any agreement (other than the

deductible on Your personal auto policy)

• Any violation of the auto rental agreement or this benet

• Injury of anyone, including you, or damage to anything, inside or

outside the Rental Vehicle

• Loss or theft of personal belongings

• Personal liability

• Expenses assumed, waived or paid by the auto rental company or

its insurer

• The cost of any insurance or collision damage waiver oered by

or purchased through the auto rental company

• Depreciation of the Rental Vehicle caused by the incident

including, but not limited to, “diminished value”

• Expenses reimbursable by Your insurer, employer,

or employer’s insurance

• Theft or damage due to intentional acts or due to the driver(s)

being under the inuence 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 o-road operation of the Rental Vehicle

• Theft or damage due to hostility of any kind (including,

but not limited to, war, invasion, rebellion, insurrection, or

terrorist activities)

• Conscation by authorities

• Vehicles that do not meet the denition of covered vehicles

• Rental periods that either exceed or are intended to exceed

thirty-one (31) days

• Leases and mini leases

• Theft or damage resulting from the authorized driver’s and/

or cardholder’s lack of reasonable care in protecting the Rental

Vehicle before and/or after damage or theft occurs (for example,

leaving the car running and unattended)

• Theft or damage reported more than sixty (60) days* after the

date of the incident

• Theft or damage for which a claim form has not been received

within one hundred (100) days* from the date of the incident

• Theft or damage for which all required documentation has not

been received within three hundred sixty-ve (365) days after the

date of the incident

• Vehicles that are not rented from a Rental Agency

• Damage to the interior bed of a pick-up truck unless such

damage is caused by or the result of a covered loss, such as theft

or collision

• Damage to a pick-up truck that is a result of loading or unloading

objects into the bed

*Not applicable to residents in certain states

How Do You File a Claim?

It is Your responsibility as a cardholder to make every eort to

protect Your Rental Vehicle from damage or theft. If You have an

accident or Your Rental Vehicle has been stolen, follow these steps

to le Your claim:

1. At the time of the theft or damage, or when You return the

Rental Vehicle, request the following documents from Your

car rental company:

4 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 5

• Copy of the accident report form

• Copy of the initial and nal auto rental agreements

(front and back)

• Copy of the repair estimate and itemized repair bill

• Two (2) photographs of the damaged vehicle, if available

• Police report, if obtainable

• Copy of the demand letter indicating the costs You are

responsible for and any amounts that have been paid

toward the claim

2. Call the Benet Administrator to report the theft or damage,

regardless of who is at fault and whether Your liability has been

established, as soon as possible but no later than sixty (60) days

from the date of the incident. Any claim containing charges

that would not have been included if notication occurred before

the expenses were incurred may be declined, so it is important

to notify the Benet Administrator immediately after an incident.

Reporting to any other person will not fulll this obligation.

3. Submit the documents listed above along with the following

documents to the Benet Administrator:

• Completed and signed Auto Rental Collision Damage Waiver

claim form postmarked within one hundred (100) days* of the

theft or damage date, even if all other required documentation

is not yet available, or Your claim may be denied

• Credit card Account statement (showing the last four (4)

digits of the Account number) reecting the charge for the

rental transaction

• Any other documentation required by the Benet

Administrator to substantiate the claim

*Not applicable to residents in certain states

All documents must be postmarked within

three hundred sixty-five (365) days of the theft

or damage date, or Your claim may be denied.

Filing online is faster: visit www.eclaimsline.com

Transference of Claims

After Your claim is paid, Your rights and remedies against any

party in regard to the theft or damage is transferred to the Benet

Administrator, to the extent of the cost of payment made to You.

You must give the Benet Administrator all assistance reasonably

required to secure all rights and remedies.

Denitions

Account - Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Actual Cash Value - the amount a Rental Vehicle is determined

to be worth based on its market value, age and condition at

the time of loss

Eligible Person - a cardholder who pays for their auto rental by

using their eligible Account

Rental Agency - a commercial rental company licensed under the

laws of the applicable jurisdiction and whose primary business is

renting automobiles

Rental Car Agreement - the entire contract an eligible renter

receives when renting a Rental Vehicle from a Rental Agency which

describes in full all of the terms and conditions of the rental, as well

as the responsibilities of all parties under the contract

6 Questions? Call 1-888-880-5844

Rental Vehicle - a land motor vehicle with four or more wheels

which the eligible renter has rented for the period of time shown

on the Rental Car Agreement and is not identied as a non-covered

vehicle herein

You or Your – the Eligible Person

Additional Provisions

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Indemnity Insurance Company

of North America (“Provider”). Coverage may not be available

in all states or certain terms may be dierent where required

by state law.

• 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 three

(3) years after the time for giving Proof of Loss. Further, no legal

action may be brought against the Provider unless all the terms of

the Guide to Benets have been complied with fully.

• Please see “General Provisions” section at the end of

this document.

FORM #ARCDW CONPRIM (02/19)

Baggage Delay Insurance

The Baggage Delay benet provides reimbursement for the

emergency purchase of essential items, such as toiletries, clothing,

and chargers for electronic devices (limit one per device), when Your

Baggage is delayed while on an eligible Trip. The maximum benet

is one hundred ($100.00) dollars per day up to a maximum of

three (3) days. The Baggage Delay benet applies if Your Baggage

is delayed or misdirected for more than six (6) hours and for each

additional twenty-four (24) hour period Your baggage is delayed

after the initial six (6) hours for a maximum of three (3) days.

The Cardholder and Immediate Family Members are covered when

the Cardholder’s name is embossed on an eligible card issued in

the United States, and the Cardholder charges all or a portion of

the fare to his or her credit card Account and/or Rewards programs

associated with the Account. Immediate Family Member means an

individual with any of the following relationships to the Cardholder:

Spouse, and parents thereof; sons and daughters, including

adopted children and stepchildren; parents, including stepparents;

brothers and sisters; grandparents and grandchildren; aunts or

uncles; nieces or nephews; and Domestic Partner and parents

thereof, including Domestic Partners and spouses of any individual

of this denition. Immediate Family Member also includes legal

guardians or wards. Immediate Family Members do not need to be

traveling with the Cardholder for benets to apply.

Benets begin on the Scheduled Departure Date and end on the

Scheduled Return Date. In the event the Scheduled Departure Date

and/or the Scheduled Return Date are delayed, or the point and

time of departure and/or point and time of return are changed

because of circumstances over which You nor the Travel Supplier

have control, the term of coverage will automatically adjust in

accordance with the change.

If the Cardholder charges multiple Common Carrier fares to his or

her Account for a Trip, each Covered Person is eligible to receive

the benet.

Trips must occur while the insurance is in-force

to be eligible for this benefit.

6 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 7

Please Pay Special Attention to These Conditions of

the Baggage Delay Benet:

• Baggage Delay must be reported to the Travel Supplier to be

eligible for this benet.

• Coverage will not be provided if the Cardholder’s Account

is closed before the Baggage Delay occurs. In no event

will the Cardholder’s cancellation of his or her Account

invalidate or reduce any otherwise valid claim that has already

been submitted.

This benefit is payable on an excess basis over

and above any amount due from any other valid

or collectible insurance or any other form of reimbursement

payable by those responsible for the loss.

What’s Not Covered?

The Baggage Delay benet does not apply to:

• Hearing aids

• Articial teeth, dental bridges or prosthetic devices

• Tickets, documents, money, securities, checks, travelers checks

and valuable papers

• Business samples

• Jewelry and watches

• Cameras, video recorders and other electronic equipment

• Recreational equipment

• Any loss caused by or resulting from, directly or indirectly: War,

undeclared war, civil war, insurrection, rebellion, revolution,

warlike acts by a military force or personnel, any action taken in

hindering or defending against any of these, the destruction or

seizure of property for a military purpose, or any consequences

of any of these acts regardless of any other direct or indirect

cause or event, whether covered or not, contributing in any

sequence to the loss; War does not include terrorism

How Do You File a Claim?

Follow these steps to le Your claim:

1. Immediately notify the Common Carrier to begin the Common

Carrier’s claim process. You will need to provide proof that You

submitted a report to the Common Carrier, so be sure to keep

a copy of the report for Your records.

2. Call the Benet Administrator within twenty (20) days

of the date Your baggage was delayed or as soon as

reasonably possible.

3. Answer a few questions, so the Benet Administrator can

send You the right claim forms and let You know what other

documentation is needed.

4. Return the completed and signed claim form and requested

documentation to the Benet Administrator within ninety (90)

days or as soon as reasonably possible (but no later than

one (1) year after the ninety (90) day deadline).

Filing online is faster: visit www.eclaimsline.com

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

8 Questions? Call 1-888-880-5844

• Written conrmation of the Baggage Delay from the Common

Carrier or Cruise Line

• Credit card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for the Common

Carrier or Cruise Line fare

• Copy of the settlement or denial from the Common Carrier or

Cruise Line

• Copies of receipts for the purchase of essential items over

twenty-ve ($25.00) dollars

• Any other documentation deemed necessary by the Benet

Administrator to substantiate the claim

Denitions

Account - the Cardholder’s credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Baggage - suitcases and the containers specically designated

for carrying personal property and the personal property

contained therein

Baggage Delay - a delay or misdirection of Your Baggage by a

Common Carrier for more than six (6) hours from the time You

arrive at the destination as shown on Your ticket

Cardholder - an individual to whom a credit card Account has

been issued by JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier - any commercially licensed motorized land,

water or air Conveyance, operated by an organization organized

and licensed for the transportation of passengers for hire and

operated by an employee or an individual under contract;

Common Carrier does not include Cruise Lines

Company - Federal Insurance Company

Conveyance – any motorized craft, vehicle or mode of

transportation licensed or registered by a governmental authority

with competent jurisdiction

Covered Person - the Cardholder and the Cardholder’s Immediate

Family Members

Cruise Line - a company that maintains a eet of cruise ships and

markets cruises to the public

Domestic Partner - a person designated by You who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least eighteen (18) years of

age and competent to enter into a contract; is not related to You

by blood; has exclusively lived with You for at least twelve (12)

consecutive months prior to the date of enrollment; is not legally

married or separated and as of the date of enrollment has with

You at least two (2) of the following nancial arrangements: a joint

mortgage or lease, a joint bank account, joint title to or ownership

of a motor vehicle or status as a joint lessee on a motor vehicle

lease or a joint credit card account with a nancial institution;

neither You nor the Domestic Partner can be married to, nor in a

civil union with, anyone else

Insured Person - the Cardholder

Recreational Equipment - any equipment that is used to engage

in a particular sport, hobby, game, excursion, or other recreational

activity; and for which You have the requisite license or permit to

own or operate if a license or permit is required

Rewards - points, miles, cash Rewards, or any other type of

redeemable Rewards, as well as any redeposit fees charged

by a Rewards administrator, provided that all Rewards have

been accumulated by the Cardholder through use of a

JPMorgan Chase Bank, N.A. and/or its aliates sponsored

Rewards program

8 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 9

Scheduled Departure Date - the date on which You are originally

scheduled to leave on the Trip

Scheduled Return Date - the date on which You are originally

scheduled to return to the point of origin or to a dierent

nal destination

Spouse - Your husband or wife who is recognized as such by

the laws of the jurisdiction in which You reside; Spouse includes

Domestic Partners or Covered Persons joined by Civil Unions

where applicable by law

Travel Supplier - a Cruise Line, or airline, or railroad or other

Common Carrier

Trip - travel booked through a Travel Supplier when some

portion of the fare for such transportation has been charged to

the Cardholder’s Account or has been paid for with redeemable

Rewards that were accumulated by the Cardholder from a

Rewards program sponsored by JPMorgan Chase Bank N.A. and/or

its aliates; Trip must occur while the insurance is in-force

We, Us and Our - Federal Insurance Company

You or Your - the Covered Person

Additional Provisions

• We have a right to examine under oath, as often as We may

reasonably require, You or Your authorized representative,

if applicable. We may also require You or Your authorized

representative, if applicable, to provide a signed description of

the circumstances surrounding the loss and Your interest in the

loss. You or Your authorized representative, if applicable, will also

produce all records and documents requested by Us and will

permit Us to make copies of such records or documents.

• In the event of a claim under this policy, You or Your authorized

representative must fully cooperate with Us in Our handling of

the claim, including, but not limited to, the timely submission of

all reports that We may require. If We are sued in connection

with a claim under this policy, then You or Your authorized

representative must fully cooperate with Us in the handling of

such suit. JPMorgan Chase Bank, N.A and/or its aliates or You

must not, except at your own expense, voluntarily make any

payment or assume any obligation in connection with any suit

without Our prior written consent.

• 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

three (3) years after the time for giving Proof of Loss. Further,

no legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• We will not use any statements, except fraudulent misstatements,

made by You to void the insurance or reduce benets payable

under this policy, or to otherwise contest the validity of this policy,

unless such statements are contained in a written document

signed by You. If We rely on such statements for this purpose,

then We will provide a copy of the written document to You,

as appropriate.

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Federal Insurance Company.

Coverage may not be available in all states or certain terms may

be dierent where required by state law.

• Please see “General Provisions” section at the

end of this document.

FORM #BAGDELAY CON (02/19)

10 Questions? Call 1-888-880-5844

Extended Warranty Protection

Extended Warranty Protection extends the time period of warranty

coverage by one (1) additional year on original eligible warranties

of three (3) years or less. Coverage is limited to the original price of

the purchased item (as shown on Your itemized sales receipt), less

shipping and handling fees, up to a maximum of ten thousand

($10,000.00) dollars per claim and a maximum of fty thousand

($50,000.00) dollars per Year. The benet applies to purchases

made both inside and outside the U.S. The eligible item must have

a valid original manufacturer’s U.S. repair warranty of three (3)

years or less, a store-purchased dealer warranty, or an assembler

warranty. Eligible items given as gifts can also be covered.

You are eligible for this benet when Your name is embossed on

an eligible card issued in the United States, and You charge all or a

portion of the cost of an eligible item to Your credit card Account

and/or rewards programs associated with Your Account.

If You received or purchased any other applicable extended

warranty when You purchased Your item, this benefit will be

supplemental to and in excess of that coverage.

How Do You Register a Purchase for

Warranty Registration?

When You purchase an eligible item that carries a manufacturer’s

warranty, You have the option to register Your purchase by

calling the Benet Administrator or by going online to register

Your purchase at www.cardbenetservices.com.

The Benet

Administrator will tell You where to send copies of Your item’s

sales receipt and warranty information, so they can be kept on

le should You need them. While registration is not required for

Extended Warranty Protection, You are encouraged to consider

registration to help You take full advantage of Your warranties.

If You choose not to register Your item, be sure to keep Your

Chase credit card statement (showing the last four (4) digits of

the Account number) reecting the purchase, the itemized sales

receipt, the original manufacturer’s written U.S. warranty, and

any other applicable warranty You received or purchased when

You bought Your item. These documents will be required to

verify Your claim.

How Does Extended Warranty Protection Work?

Our benet extends the time period of warranty coverage by one (1)

additional year on original eligible warranties of three (3) years or

less. For example, a manufacturer’s warranty of three (3) months

would be provided with an additional twelve (12) months of coverage

for a combined total of fteen (15) months of coverage. If the

manufacturer’s warranty is for three (3) years, it would be extended

one (1) additional year for a combined total of four (4) years.

What’s Not Covered?

The Extended Warranty Protection benet does not cover the

following purchases:

• 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 specically 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

10 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 11

• Rented or leased items

• Computer software

• Medical equipment

• Used or pre-owned items (a refurbished item will be covered as

long as it has a warranty with it and would not be considered

used or pre-owned)

How Do You File a Claim?

Follow these steps to le Your claim:

1. Contact the Benet Administrator immediately after the failure

of Your covered item. Please note that if You do not notify

the Benet Administrator within ninety (90) days of product

failure, Your claim may be denied. Gift recipients of eligible

items are also covered, but they must provide all the documents

needed to substantiate their claim.

2. The Benet Administrator will ask You some preliminary

questions, direct You to the appropriate repair facility, and send

You the claim form.

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator, and submit it

within one hundred twenty (120) days of the product failure

along with the required documents.

Filing online is faster: visit www.cardbenefitservices.com

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Chase credit card statement (showing the last four (4) digits

of the Account number) demonstrating that the purchase was

made on Your Account

• If more than one method of payment was used, please provide

documentation as to additional currency, voucher, points, or any

other payment method utilized

• Copy of the itemized sales receipt

• Copy of the original manufacturer’s written U.S. warranty, and

any other applicable warranty

• Description of the item, its serial number, and any other

documentation deemed necessary to substantiate Your claim

(this includes bills and, if necessary, a copy of the maintenance

record and receipts)

• Original repair estimate or repair bill, indicating cause of failure

• Any other documentation deemed necessary by the Benet

Administrator to substantiate the claim

How Will You Be Reimbursed?

If You have substantiated Your claim and met the terms and

conditions of the benet, Your item will be replaced or repaired

at the Benet Administrator’s discretion for no more than the

original purchase price of the covered item as recorded on

Your credit card receipt, less shipping and handling fees, up to

a maximum of ten thousand ($10,000.00) dollars per claim

and a maximum of fty thousand ($50,000.00) dollars per

Year. You will be reimbursed up to the amount charged to Your

Account or the program limit, whichever is less. Any purchases

made using rewards points associated with the Account are

eligible for this benet, and You will only be reimbursed up to the

dollar amount to replace or repair the item or the program limit,

whichever is less.

12 Questions? Call 1-888-880-5844

If Your item is to be repaired, You may go to an authorized

repair facility and le a claim for reimbursement. Only valid and

reasonable repairs made at the manufacturer’s authorized repair

facility are covered.

In either case, the Benet Administrator’s payment, replacement,

or repair made in good faith will fulll the obligation under

this benet.

Denitions

Account - Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Eligible Person - a cardholder who pays for their purchase by

using their eligible Account and/or rewards programs associated

with their covered Account

You or Your - the Eligible Person

Additional Provisions

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Indemnity Insurance Company

of North America (“Provider”). Coverage may not be available

in all states or certain terms may be dierent where required

by state law.

• 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

three (3) years after the time for giving Proof of Loss. Further,

no legal action may be brought against the Provider unless

all the terms of the Guide to Benets have been complied

with fully.

• Please see “General Provisions” section at the end of

this document.

FORM #EWP CON 10K/50K/3YR (02/19)

Lost Luggage Reimbursement

The Lost Luggage benet provides reimbursement for the

dierence between the actual cash value (replacement cost less

depreciation) and any reimbursement provided by the Common

Carrier for the costs You incur to repair or replace Your Checked

Baggage, Carry-on Baggage, and/or personal property contained

within due to loss, damage, or theft occurring during a Trip.

Your Checked and Carry-on Baggage each have a maximum

benet up to three thousand ($3,000.00) dollars per Covered

Person per Trip. Both include a sub-limit up to ve hundred

($500.00) dollars for jewelry and watches and a sub-limit up to

ve hundred ($500.00) dollars for cameras and other electronic

equipment per Covered Person per Trip. The benet amounts for

jewelry, watches, cameras, video recorders, and other electronic

equipment are part of and not in addition to the maximum benet

amount. Payment of these benet amounts reduces and does not

increase the maximum benet.

Items You inadvertently leave behind on the Common Carrier

are not considered lost or stolen.

The Cardholder and Immediate Family Members are covered when

the Cardholder’s name is embossed on an eligible card issued in

the United States, and the Cardholder charges all or a portion of

the fare to his or her credit card Account and/or Rewards programs

12 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 13

associated with the Account. Immediate Family Member means an

individual with any of the following relationships to the Cardholder:

Spouse, and parents thereof; sons and daughters, including

adopted children and stepchildren; parents, including stepparents;

brothers and sisters; grandparents and grandchildren; aunts or

uncles; nieces or nephews; and Domestic Partner and parents

thereof, including Domestic Partners and spouses of any individual

of this denition. Immediate Family Member also includes legal

guardians or wards. Immediate Family Members do not need to be

traveling with the Cardholder for benets to apply.

Benets begin on the Trip’s Scheduled Departure Date and end on

the Scheduled Return Date. In the event the Scheduled Departure

Date and/or the Scheduled Return Date are delayed, or the

point and time of departure and/or point and time of return are

changed because of circumstances over which You nor the Travel

Supplier have control, the term of coverage shall be automatically

adjusted in accordance with this change. In order for benets to

apply, the loss must occur during the policy period.

If the Cardholder charges multiple Common Carrier fares to his or

her Account for a Trip, each Covered Person is eligible to receive

the benet.

Please Pay Special Attention to These Conditions of

the Lost Luggage Benet:

• If Your Checked Baggage is lost, stolen, or damaged by the

Common Carrier or Cruise Line, the loss must be reported to

the Common Carrier or Cruise Line within the Common Carrier’s

or Cruise Line’s required timeframe for notication to be eligible

for this benet.

• If Your Carry-On Baggage is lost, stolen, or damaged by

the Common Carrier or Cruise Line, it must be reported

to the Common Carrier or Cruise Line as soon as You exit

the Conveyance.

•

This benet does not apply to any loss caused by or resulting from,

directly or indirectly: War, undeclared war, civil war, insurrection,

rebellion, revolution, warlike acts by a military force or personnel,

any action taken in hindering or defending against any of these,

the destruction or seizure of property for a military purpose, or any

consequences of any of these acts regardless of any other direct or

indirect cause or event, whether covered or not, contributing in any

sequence to the loss. War does not include terrorism.

This benefit is payable on an excess basis over and above

any amount due from any other valid or collectible

insurance or any other form of reimbursement

payable by those responsible for the loss.

What’s Not Covered?

The Lost Luggage benet does not apply to loss or theft

of the following:

• Items that have been removed from Carry-On Baggage by

You and inadvertently left behind on the Common Carrier or

Cruise Line

• Documents or valuable papers

• Money

• Securities

• Tickets

• Checks

• Travelers’ checks

• Furs

14 Questions? Call 1-888-880-5844

How Do You File a Claim?

Follow these steps to le Your claim:

1. Immediately notify the Common Carrier or Cruise Line to begin

their claims process. You will need to provide proof that You

submitted a report to the Common Carrier, so please keep a

copy of the report for Your records.

2. Call the Benet Administrator within twenty (20) days of the

date Your baggage was lost, damaged, or stolen or as soon

as reasonably possible.

3. The Benet Administrator will ask You a few questions, let You

know what other documentation is needed, and send You a

claim form within fteen (15) days.

4. Return the completed and signed claim form and requested

documentation to the Benet Administrator within

ninety (90) days.

Filing online is faster: visit www.eclaimsline.com

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

• Credit card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for the Common

Carrier or Cruise Line fare

• Written conrmation that the claim was led with the Common

Carrier or Cruise Line

• Copy of the settlement or denial from the Common Carrier or

Cruise Line

• Copies of receipts for the purchase of replacement items over

twenty-ve ($25.00) dollars

• Copies of original receipts

• Any other documentation deemed necessary by the Benet

Administrator to substantiate the claim

Denitions

Account – the Cardholder’s credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Cardholder – an individual to whom a credit card Account has

been issued by JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier –any commercially licensed motorized land,

water or air Conveyance, operated by an organization organized

and licensed for the transportation of passengers for hire and

operated by an employee or an individual under contract;

Common Carrier does not include Cruise Lines

Company – Federal Insurance Company

Conveyance – any motorized craft, vehicle or mode of

transportation licensed or registered by a governmental authority

with competent jurisdiction

Covered Person – the Cardholder and the Cardholder’s

Immediate Family Members

Cruise Line – a company that maintains a eet of cruise ships and

markets cruises to the public

Domestic Partner –

a person designated by You who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least eighteen (18) years of age and

14 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 15

competent to enter into a contract; is not related to You by blood;

has exclusively lived with You for at least twelve (12) consecutive

months prior to the date of enrollment; is not legally married or

separated and as of the date of enrollment has with You at least two

(2) of the following nancial arrangements: a joint mortgage or lease,

a joint bank account, joint title to or ownership of a motor vehicle or

status as a joint lessee on a motor vehicle lease or a joint credit card

account with a nancial institution; neither You nor the Domestic

Partner can be married to, nor in a civil union with, anyone else

Insured Person – the Cardholder

Rewards – points, miles, cash rewards, or any other type of

redeemable Rewards, as well as any redeposit fees charged

by a Rewards administrator, provided that all Rewards have

been accumulated by the Cardholder through use of a

JPMorgan Chase Bank, N.A. and/or its aliates sponsored

Rewards program

Scheduled Departure Date – the date on which You are originally

scheduled to leave on the Trip

Scheduled Return Date – the date on which You are originally

scheduled to return to the point of origin or to a dierent nal

destination

Spouse – Your husband or wife who is recognized as such by

the laws of the jurisdiction in which You reside; Spouse includes

Domestic Partners or Covered Persons joined by Civil Unions

where applicable by law

Travel Supplier – a Cruise Line, or airline, or railroad or other

Common Carrier

Trip – travel booked through a Travel Supplier when some portion

of the fare for such transportation has been charged to the

Cardholder’s Account issued by JPMorgan Chase Bank, N.A. and/or

its aliates or has been paid for with redeemable Rewards that

were accumulated by the Cardholder from a Rewards program

sponsored by JPMorgan Chase Bank, N.A. and/or its aliates; Trip

must occur while the insurance is in-force

We, Us and Our - Federal Insurance Company

You or Your – the Covered Person

Additional Provisions

• We have a right to examine under oath, as often as We may

reasonably require, You or Your authorized representative,

if applicable. We may also require You or Your authorized

representative, if applicable, to provide a signed description of

the circumstances surrounding the loss and Your interest in the

loss. You or Your authorized representative, if applicable, will

also produce all records and documents requested by Us and

will permit Us to make copies of such records or documents.

• In the event of a claim under this policy, You or Your authorized

representative must fully cooperate with Us in Our handling of

the claim, including, but not limited to, the timely submission of

all reports that We may require. If We are sued in connection

with a claim under this policy, then You or Your authorized

representative must fully cooperate with Us in the handling of

such suit. JPMorgan Chase Bank, N.A and/or its aliates or You

must not, except at Your own expense, voluntarily make any

payment or assume any obligation in connection with any suit

without Our prior written consent.

• 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

16 Questions? Call 1-888-880-5844

Purchase Protection

Purchase Protection protects against theft of, damage to, or

involuntary and accidental parting with new retail purchases within

one hundred twenty (120) days from the date of purchase.

Involuntary and accidental parting with property means the

unintended separation from an item of personal property when its

location is known, but recovery is impractical to complete. At the

Benet Administrator’s discretion, this benet replaces or repairs

the item or reimburses You up to the total purchase price of Your

item for a maximum of ten thousand ($10,000.00) dollars per

claim and fty thousand ($50,000.00) dollars per Year.

You are eligible for this benet when Your name is embossed on

an eligible card issued in the United States, and You charge all or a

portion of the cost of the item to Your credit card Account and/or

rewards programs associated with Your Account.

Your maximum recovery under the Purchase Protection benefit

is the purchase price of the item as recorded on the eligible

card receipt, not to exceed the coverage limit.

What is Covered?

• Eligible items of personal property purchased with Your Account

and/or rewards programs associated with Your Account

• Eligible purchases made outside the United States when

purchased with Your Account and/or rewards program

associated with Your Account

• Gifts purchased for friends and family members if purchased

with Your Account and/or rewards programs associated with

Your Account

• The outstanding deductible portion of Your other applicable

insurance or indemnity for eligible claims

What’s Not Covered?

The Purchase Protection benet does not cover the

following purchases:

• Animals and living plants

• Antiques or collectible items

three (3) years after the time for giving Proof of Loss. Further,

no legal action may be brought against the Provider unless all

the terms of the Guide to Benets have been complied with fully.

• We will not use any statements, except fraudulent

misstatements, made by You to void the insurance or reduce

benets payable under this policy, or to otherwise contest the

validity of this policy, unless such statements are contained in a

written document signed by You. If We rely on such statements

for this purpose, then We will provide a copy of the written

document to You, as appropriate.

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Federal Insurance Company.

Coverage may not be available in all states or certain terms may

be dierent where required by state law.

• Please see “General Provisions” section at the end of

this document.

FORM #LOSTLUG CON (02/19)

16 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 17

• Boats, aircraft, automobiles, and any other motorized vehicles

and their motors, equipment, or accessories, including

trailers and other items towable by or attachable to any

motorized vehicle

• Computer software

• Items purchased for resale, professional, or commercial use

• Items that are lost, or that “mysteriously disappear,” meaning

they vanished in an unexplained manner, with no evidence of

wrongdoing by one person

• Items under the control and care of a common carrier, including

the U.S. Postal Service, airplanes, or a delivery service

• Items in Your baggage on a common carrier unless hand carried

or under Your supervision or that of a companion You know,

including but not limited to, jewelry, and watches

• Theft or damage stemming from abuse, fraud, hostilities (war,

invasion, rebellion, insurrection, terrorist activities, and more);

conscation by authorities (if contraband or illegal); normal wear

and tear; ood, earthquake, radioactive contamination; damage

from inherent product defects

• Theft or damage from mis-delivery, or voluntarily parting

with property

• Medical equipment

• Perishable or consumable items, including but not limited to,

cosmetics, perfumes and rechargeable batteries

• Traveler’s checks, cash, tickets, credit or debit cards, among

other negotiable purchased instruments

• Items used or pre-owned (refurbished items will not be

considered used or pre-owned if accompanied by a warranty)

Please Pay Special Attention to These Conditions

of Purchase Protection:

• If Your loss involves a portion of a pair or set, You will only be

reimbursed for the stolen or damaged item, not the total value

of the pair or set. This does not apply to items normally sold as

pairs or sets that are not replaceable by purchasing one piece of

the pair or set. In this case, before the claim can be nalized, the

individual item must be returned to the Benet Administrator.

• If You have insurance (homeowner’s, renter’s, car, employer, or

any other), You are required to le a claim with Your insurance

company and to submit a copy of any claim settlement from

Your insurance company along with Your claim form. Purchase

Protection provides coverage on an “excess” coverage basis,

meaning it does not duplicate coverage but pays for a loss only

after valid and collectible insurance or indemnity (including, but

not limited to, homeowner’s, renter’s, automobile, or employer’s

insurance policies) has been exhausted. At that point, Purchase

Protection will cover the loss up to the amount charged to Your

Account, subject to the terms, exclusions, and limits of liability of

the benet.

How Do You File a Claim?

Follow these steps to le Your claim:

1. Call the Benet Administrator within ninety (90) days of the

damage, theft, or involuntary and accidental parting. Please

note that if You do not notify the Benet Administrator

within ninety (90) days of product failure, Your claim may

be denied. Gift recipients may le their own claims if they have

the necessary substantiating documents.

2. Answer a few questions, so the Benet Administrator can

send You the right claim forms and let You know what other

documentation is needed.

18 Questions? Call 1-888-880-5844

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator within one

hundred twenty (120) days of the damage, theft, or

involuntary and accidental parting.

Filing online is faster: visit www.eclaimsline.com

What Documents Will You Need to Provide?

Be sure to include all information regarding Your claim, including

the time, place, cause and the amount to either replace or repair

the item. The Benet Administrator will provide the details, but

generally You should be prepared to send:

• Completed and signed claim form

• Credit card Account statement (showing the last four (4) digits

of the Account number) demonstrating that the purchase was

made on Your Account

• If more than one method of payment was used, please provide

documentation as to additional currency, voucher, points, or any

other payment method utilized

• Copy of the itemized store receipt demonstrating that the

purchase was made on Your Account

• Copy of the documentation of any other settlement of the loss

(if applicable)

• If the item is repairable, the estimate of repair or a copy of

the paid receipt/invoice for the repairs, indicating the type of

damage to the claimed item (if applicable)

• Copy of the police report (made within forty-eight (48)

hours of the occurrence in the case of theft), re report

or incident report to substantiate the loss; if the loss was

not reported, please provide a replacement receipt or other

sucient proof of loss deemed eligible solely by Your Benets

Administrator (if applicable)

• Any other documentation deemed necessary by the Benet

Administrator to substantiate the claim

In some cases of damage, You will be asked to send the damaged

item, at Your expense, along with Your claim in order to

substantiate the claim, so make sure to keep the damaged item in

Your possession.

How Will You Be Reimbursed?

Once You have met the conditions of this benet, the Benet

Administrator will resolve Your claim in one of two ways:

• A damaged item may be repaired, rebuilt, or replaced, and a

stolen item will be replaced. Typically, You will receive notice of

this decision within fteen (15) days of receipt of Your claim

documentation.

• You may receive payment to replace Your item, an amount

not more than the original purchase price, less shipping and

handling charges, up to ten thousand ($10,000.00) dollars per

claim and fty thousand ($50,000.00) dollars per Year. You

will only be reimbursed up to the dollar amount to replace or

repair the item or the program limit, whichever is less.

• Any purchases made using rewards points associated with

the Account are eligible for this benet, and You will only be

reimbursed up to the dollar amount to replace or repair the

item or the program limit, whichever is less.

Denitions

Account - Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

18 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 19

Covered Purchase - an item purchased by an Eligible Purchaser

and paid for by using an eligible Account, subject to the exclusions

set forth in this Policy; for a purchase to be considered a Covered

Purchase, the entire purchase amount for the item must have

been made through the eligible Account; Covered Purchase also

includes an item purchased by an Eligible Purchaser and paid

for by using an eligible Account in combination with other tender

(such as rewards programs, cash, gift cards, store credit)

Eligible Person - a cardholder who pays for their purchase by

using their eligible Account and/or rewards programs associated

with their covered Account

Eligible Purchaser - a person to whom an eligible Account

is issued and who agrees to use the transaction Account

medium and has charged the purchase to the eligible Account;

reimbursement is extended to losses incurred by a person other

than the Eligible Purchaser if that person is the recipient of the

item purchased and follows the Terms and Conditions of this

coverage; no person or entity shall have any legal or equitable

right, remedy or claim for reimbursement and/or damages under

or arising out of this coverage

You or Your - the Eligible Person

Additional Provisions

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Indemnity Insurance Company

of North America (“Provider”). Coverage may not be available in

all states or certain terms may be dierent where required by

state law.

• 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

three (3) years after the time for giving Proof of Loss. Further,

no legal action may be brought against the Provider unless all

the terms of the Guide to Benets have been complied with fully.

• Please see “General Provisions” section at the end of

this document.

FORM #PURPRO CON 10k (02/19)

Roadside Assistance

If You are stranded away from home with a roadside emergency,

such as a at tire, dead battery or mechanical breakdown, You

have access to Roadside Assistance which entitles You to a variety

of services while traveling in the U.S. and Canada. To access these

services, call Cross Country Motor Club at 1-866-359-5402, toll-free,

twenty four (24) hours a day, three hundred sixty-ve (365) days a year.

Who is Covered?

You, the Cardholder, are covered when you drive any vehicle you

own or lease, and when you drive a vehicle that is furnished to you

by the owner, while traveling away from home.

What Types of Vehicles Are Covered?

All self-propelled, four (4) wheel vehicles designed, licensed, and

used for private on-road transportation, with trucks limited to

a carrying capacity of up to two thousand (2,000) pounds, are

covered subject to the guidelines section. Commercial vehicles are

not eligible for coverage.

20 Questions? Call 1-888-880-5844

What is Covered?

Road service events, such as at tires, dead batteries, running

out of gas, and lockouts, are covered up to a maximum

of fty ($50.00) dollars for each service event, up to four (4) events

each year. Assistance will be provided for one (1) service event

arising from the same cause during any consecutive seven (7) day

period. Coverage includes:

• Battery Boost – If Your vehicle won’t start due to a dead

or weak battery.

• Flat Tire Service – If You have a at, we’ll install

Your inated spare.

• Fuel Delivery – If You run out of gas, an emergency supply

will be delivered to You with the cost for up to two (2) gallons

of fuel covered.

• Twenty-four (24) Hour Towing Assistance – If a vehicle

breakdown requires a tow, our toll-free assistance line has an

available network of more than twenty-ve thousand (25,000)

twenty-four (24) hour preferred service providers across the U.S.

and Canada. A customer service representative will arrange to

transport the vehicle to the nearest repair facility or location of

the motorist’s choice.

• Twenty-four (24) Hour Lockout Assistance – If You accidently

lock yourself out of Your vehicle, a qualied locksmith will

be dispatched to unlock the vehicle. Proper identication is

required at the time of service. Replacement key costs are the

responsibility of the Cardholder.

What Information Will Be Required?

When calling for service, please be prepared to provide the

following information:

• Your name and address

• Vehicle Identication Number (VIN) OR make, model,

and year of vehicle

• Vehicle location

• Phone number where You can be reached

“Sign and Drive” Service

In most instances, services require no cash outlay (up to the covered

limit), but You must sign the provider’s service acknowledgement at

the time of service. Excess charges (if any) can be applied to Your

Chase card or other payment choice.

All services are provided by and/or through, Cross Country

Motor Club, Inc., Medford, MA 02155, except in Alaska,

California, Hawaii, Oregon, Wisconsin and Wyoming where

services are provided by and/or through Cross Country Motor

Club of California, Inc., Thousand Oaks, CA 91360.

The benets summarized above do not apply to Cardholders whose

accounts have been suspended or canceled. The roadside benets

are provided to eligible Cardholders on a complimentary basis. For

the full terms that apply to the program, and the state provisions,

please visit: www.crosscountry-auto.com/assist24-terms. In the

event your nancial institution elects to modify or cancel this

benet, you will be provided with thirty (30) days advance notice via

additional Guide to Benets mailings, statement inserts, statement

messages or electronic notications.

FORM #RDASSIST (02/19)

20 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 21

Travel Accident Insurance

The Cardholder and Immediate Family Members are covered

when the Cardholder’s name is embossed on an eligible Card

issued in the United States, and the Cardholder charges all or

a portion of a Scheduled Airline fare to his or her Credit Card

Account and/or Rewards programs associated with the Account.

Immediate Family Member means an individual with any of the

following relationships to the Cardholder: Spouse, and parents

thereof; sons and daughters, including adopted children and

stepchildren; parents, including stepparents; brothers and sisters;

grandparents and grandchildren; aunts or uncles; nieces or

nephews; and Domestic Partner and parents thereof, including

domestic partners and spouses of any individual of this denition.

Immediate Family Member also includes legal guardians or wards.

What Are the Benet Amounts?

The policies will pay the following percentages of the Loss of Life

benet amount for specic Losses:

In the event a Loss is eligible for payment under both the Common

Carrier Travel Accident benet and the Twenty-Four (24) Hour

Travel Accident benet, if You suer multiple covered Losses as

the result of one (1) Accident, the Company will only pay the single

largest Benet Amount applicable to all covered Losses.

If more than one Insured Person covered under the same

Account suers a Loss in the same Accident, the Company will

not pay more than two (2) times the applicable Benet Amount

(the aggregate limit of insurance). If an Accident results in Benet

Amounts becoming payable, which when totaled, exceed two

(2) times the applicable Benet Amount, the aggregate limit of

insurance will be divided proportionally, based on applicable

benet amounts owed to all covered persons.

Coverage

Loss of Life Benet Amount

per Insured Person

Common Carrier Travel

Accident Insurance

$500,000.00

24 Hour Travel Accident

Insurance

$100,000.00

Loss

Percentage

of Loss of Life

Benet Amount

Loss of Speech and Loss of Hearing;

Loss of Speech or Hearing and

Loss of one Hand, Foot or Sight of

One Eye; Loss of Both Hands; Loss

of Both Feet; Loss of Sight of Both

Eyes; Loss of a combination of any

two of a Loss of Hand, Loss of Foot

or Loss of Sight of One Eye

100%

Loss of One Hand; Loss of One

Foot; Loss of Sight of One Eye; Loss

of Speech; Loss of Hearing

50%

Loss of Thumb and Index Finger of

the same hand

25%

22 Questions? Call 1-888-880-5844

If, subject to all the terms and conditions of this policy You are

eligible for insurance under multiple Accounts, then You will only

be insured once, under the Account which provides You the

largest Benet Amount for the loss that has occurred.

All benets, except for Loss of Life, are paid to You. Loss of Life

benets are paid to the beneciary at the time of death. If You

have not chosen a beneciary or if there is no beneciary alive

when You die, then the Company will pay the benet to Your

survivors in the following order: 1) Your Spouse or Domestic

Partner; 2) Your child(ren); 3) Your parents; 4) Your brothers

and sisters; and 5) Your estate. You have the right to name a

beneciary. Beneciary designations must be submitted in writing

to the Benet Administrator. If any beneciary has not reached the

legal age of majority, then the Company will pay such beneciary’s

legal guardian.

What Losses Are Covered Under the Common Carrier

Travel Accident Benet?

Common Carrier Travel Accident Insurance provides coverage for

a broad range of Losses – including Accidental Loss of Life, Limb,

Sight, Speech or Hearing – that occur while riding as a passenger

in, entering, or exiting any Common Carrier. Coverage also extends

to cover You while 1) You are riding as a passenger, entering

,or exiting any Conveyance licensed to carry the public for hire

or 2) any Courtesy Transportation provided without a specic

charge and while traveling to and from the airport, terminal, or

station: a) immediately preceding the departure of the scheduled

Common Carrier on which You have purchased passage; or b)

immediately following the arrival of the scheduled Common Carrier

on which You were a passenger; or 3) while at the airport, station,

or terminal at the beginning or end of a Common Carrier Covered

Trip.

A Common Carrier is any motorized land, water, or air Conveyance

operated by an organization, structured and licensed for the

transportation of passengers for hire and operated by an

employee of such organization or an individual under contract.

If the purchase of the Common Carrier passenger fare is not made

prior to Your arrival at the airport, terminal, or station, coverage

will begin at the time a portion of the cost of the Common Carrier

passenger fare is charged to the Cardholder’s Account.

What Losses Are Covered Under the Twenty-Four (24)

Hour Travel Accident Benet?

Twenty-Four (24) Hour Travel Accident Insurance provides

coverage for a wide range of Losses that can happen when an

Accident occurs while traveling – including Accidental Loss of Life,

Limb, Sight, Speech or Hearing – on a twenty-four (24) hour basis.

Coverage activates when travel begins on the departure date

printed on Your Scheduled Airline ticket and ends on the return

date printed on Your Scheduled Airline ticket for trips up to thirty

(30) days. For covered trips more than thirty (30) days in length,

coverage will end at 12:01 a.m. on the thirty-rst (31st) day of the

trip. Coverage will be reactivated only for Your return trip while

You are 1) on a Scheduled Airline; 2) riding as a passenger in,

entering, or exiting any Conveyance licensed to carry the public for

hire or any Courtesy Transportation provided without a specic

charge and while traveling to and from the airport: a) immediately

preceding the departure of the scheduled Common Carrier on

which You have purchased passage; or b) immediately following

the arrival of the scheduled Common Carrier on which You were

22 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 23

a passenger; or 3) while at the airport immediately preceding or

following departure.

For Both Common Carrier Travel Accident Insurance and

Twenty-Four (24) Hour Travel Accident Benets:

• If, due to an Accident, You have not been found within one (1)

year of the disappearance, stranding, sinking, or wrecking of any

Conveyance in which You were an occupant at the time of the

Accident, then it will be assumed that You have suered a Loss

of Life while insured under the policy.

• If, due to an Accident, You are unavoidably exposed to the

elements and as a result of this exposure suer a Loss, this will

be covered under the policy.

In order to be covered under either policy, the Loss must occur

within one (1) year after the Accident.

What’s Not Covered?

The Travel Accident Insurance does not apply to any Accident,

Accidental Bodily Injury, or Loss caused by or resulting from,

directly or indirectly:

• You entering, or exiting any aircraft while acting or training

as a pilot or crew member; this exclusion does not apply to

passengers who temporarily perform pilot or crew functions in a

life-threatening emergency

• Your emotional trauma, mental or physical illness, disease,

pregnancy, childbirth or miscarriage, bacterial or viral infection,

bodily malfunctions, or medical or surgical treatment or

diagnosis thereof; this exclusion does not apply to Your bacterial

infection caused by an Accident or by Accidental consumption of

a substance contaminated by bacteria

• Your commission or attempted commission of any illegal act

including but not limited to any felony

• Any occurrence while You are incarcerated

• You participating in parachute jumping from an aircraft

• You being engaged in or participating in a motorized vehicular

race or speed contest

• Commutation

• You participating in any professional sporting activity for which

You received a salary or prize money

• You traveling or ying on any aircraft engaged in ight on a

rocket-propelled or rocket-launched aircraft

• Your suicide, attempted suicide or intentionally self-inicted

injury

• A declared or undeclared War

How Do You File a Claim?

Follow these steps to le Your claim:

1. Call the Benet Administrator within twenty (20) days of the

date of Your Accident or Loss or as soon as reasonably

possible. Notice must include enough information to identify

You. Failure to give Claim Notice within twenty (20) days will not

invalidate or reduce any otherwise valid claim if notice is given

as soon as reasonably possible.

2. When We receive notice of a claim We will, within fteen (15)

days, send You or Your designee forms for giving Proof of Loss

to Us. If You or Your designee does not receive the forms, then

24 Questions? Call 1-888-880-5844

You or Your designee should send Us a written description of

the Loss. This written description should include information

detailing the occurrence and extent of the Loss for which the

claim is made.

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator within ninety (90)

days of Your date of Loss.

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

• Police report conrming the claimed Accident

• Credit Card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for the Common

Carrier or Scheduled Airline fare

• Copy of the death certicate

Denitions

Accident or Accidental - a sudden, unforeseen, and unexpected

event which a) happens by chance; b) arises from a source

external to You; c) is independent of illness, disease or other bodily

malfunction or medical or surgical treatment thereof; d) occurs

while You are insured under the benet while it is in eect; and e)

is the direct cause of Loss

Accidental Bodily Injury - bodily injury, which a) is Accidental;

b) is the direct cause of a loss; and c) occurs while You are

insured under this policy, which is in eect; Accidental Bodily

Injury does not include conditions caused by repetitive motion

injuries or cumulative trauma not a result of an Accident,

including, but not limited to Osgood-Schlatter’s Disease, bursitis,

Chondromalacia, shin splints, stress fractures, tendinitis, and

Carpal Tunnel Syndrome

Account – the Cardholder’s Credit Card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Cardholder - an individual to whom a Credit Card Account has

been issued by JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier Covered Trip - travel on a Common Carrier

when You pay any portion of the fare for such transportation with

the Cardholder’s Account and/or Rewards programs associated

with the Cardholder’s Account

Commutation - travel between Your residence and regular

place of employment

Company - Federal Insurance Company

Conveyance - any motorized craft, vehicle or mode of

transportation licensed or registered by a governmental authority

with competent jurisdiction

Courtesy Transportation - transportation provided without

a specic charge by a rental car agency, airport or hotel which

transports You from the airport or station to the rental car

agency or hotel or from the rental car agency or hotel to the

airport or station

Credit Card - a payment medium that takes the form of a

Credit Card, credit plate, charge plate, courtesy card or other

identication card or device issued to You; You may use the Credit

Card to purchase, hire, rent or lease property or services

24 Questions? Call 1-888-880-5844 Outside of the U.S., call collect at 1-804-281-5768 25