# Effective 4/15/25 ## Terms and Conditions ### Trip Cancellation and Interruption Sometimes the unexpected happens and Your travel arrangements don’t go as planned. You’ve done a great job preparing for Your Trip. But what if You have to cancel Your trip because of the death of an Immediate Family Member? What if the airline You booked Your flight through declares bankruptcy? Fortunately, Trip Cancellation and Interruption benefits are available to help You with these unforeseen circumstances that could disrupt Your travel plans. Trip Cancellation and Interruption benefits pay up to $2,000.00 per Insured Person for the non-refundable Common Carrier ticket(s) that You paid for with Your covered Account and/or rewards programs associated with Your covered Account. You, Your spouse (or Domestic Partner) and Your Dependent Children are eligible for coverage if You charge the entire cost of the Trip using Your Account, less redeemable certificates, vouchers, or coupons, or rewards program associated with Your covered Account. The Trip Cancellation or Interruption must be caused by or result from: 1. The death, Accidental Bodily Injury, disease or physical illness of You or an Immediate Family Member of the Insured person; or 2. Default of the Common Carrier resulting from financial insolvency. The death, Accidental injury, disease or physical illness must be verified by a Physician and must prevent You from traveling on the trip. Note: Common Carriers may issue a credit voucher for the value of the unused ticket. A fee may be associated with changing or cancelling the ticket. Reimbursement of fee may be eligible at time of Loss. Most Common Carrier credit vouchers expire in one year. Proof of unused credit voucher can be submitted for reimbursement after expiration. Payment will not exceed either the actual Non-Refundable amount paid by the Insured Person for a Common Carrier passenger(s) fare(s), or up to $2,000.00 ### The following exclusions apply to financial services Common Carrier Trip Cancellation/Trip Interruption only - Suicide, attempted suicide, or intentionally self-inflicted injuries - Declared or undeclared war, but war does not include acts of terrorism No Trip Cancellation or Interruption benefits will be paid for Loss caused by or resulting from: - A Pre-existing Condition - Accidental Bodily Injuries arising from participation in interscholastic or professional sports events, racing or speed contests, or uncertified scuba diving - Cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a Loss covered under this policy - The Insured Person or an Immediate Family Member being under the influence of drugs (except those prescribed and used as directed by a Physician) or alcohol - The Insured Person or an Immediate Family Member: a) traveling against the advice of a Physician; - Cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a Loss covered under this policy - The Insured Person or an Immediate Family Member being under the influence of drugs (except which prevent the Insured Person from traveling on a Covered Trip. This Exclusion does not apply to Loss resulting from an Insured Person's bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria. ### How to file a Trip Cancellation or Interruption claim Within twenty (20) days of the Trip Cancellation or interruption or as soon as reasonably possible, contact the Benefit Administrator at 1-800-546-9806. If you are outside the United States, call collect at 1-804-673-1164. The Benefit Administrator will ask You for some preliminary information and send You the appropriate claim forms. Failure to give notice within twenty (20) days will not invalidate or reduce any otherwise valid claim, if notice is given as soon as reasonably possible. When the Benefit Administrator receives notice of a claim, the Benefit Administrator will send You forms for giving proof of Loss within fifteen (15) days. If You do not receive the forms, You should contact the Benefit Administrator again. Please return Your completed and signed claim form and the documents listed below as soon as possible to the Benefit Administrator: - A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of the Account number) confirming the Common Carrier ticket was purchased using the covered Account and/or rewards programs associated with Your covered Account. - If more than one method of payment was used, please provide documentation as to additional - Confirmation of the non-refundable amounts for the unused Common Carrier tickets and/or travel - Confirmation that the tickets were cancelled with the Common Carrier - A copy of the travel itinerary showing the passenger names and ticket cost - Confirmation of the reason for the Trip Cancellation; (completed attached physician statement, confirmation of death of Immediate Family Member or documentation confirming any other cause of Loss) - A copy of the cancellation or refund policies of the Common Carrier, Tour Operator or Travel Supplier | Covered Loss | Benefit Maximum | | --- | --- | | Accidental Loss of Life, two or more Members, sight of both eyes, speech and hearing or any combination thereof | $1000.00 | | Accidental Loss of one Member, sight of one eye, speech or hearing | $500.00 | | Accidental Loss of the thumb and index finger of the same hand | $250.00 | Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least four (4) fingers on the same hand or at least three (3) fingers and the thumb on the same hand; with respect to a foot, complete severance through or above the ankle joint. The Company will consider it a Loss of hand or foot even if the fingers, thumb, or foot is later reattached. In order to be eligible for this additional coverage, the entire cost of the Common Carrier passenger fare(s), less redeemable certificates, vouchers, or coupons, must be charged to Your covered Account and/or rewards programs associated with Your covered Account during the policy period. If the purchase is not made prior to the Insured Person’s arrival at the airport, coverage begins at the time the entire cost of the Common Carrier passenger fare is purchased. This travel accident benefit is provided to eligible cardholders. Your financial institution pays the cardholder’s premium as a benefit of the card membership. The Loss must occur within one year of the Accident. The Company will pay the single largest applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company’s liability for all such Losses will be subject to a maximum limit of insurance equal to two times the Benefit Amount for Loss of life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. The Loss of Life benefit will be paid to the Beneficiary designated by You. If no such designation has been made, that benefit will be paid to the first surviving Beneficiary in the following order: a) Your spouse, b) Your Children, c) Your parents, d) Your brothers and sisters, e) Your estate. All other indemnities will be paid to You. ### The following exclusions apply to the Travel Accident benefit Loss caused by or resulting from: - An Insured Person's emotional trauma, mental or physical illness, disease, normal pregnancy, normal childbirth or elective abortion, bacterial or viral infection, or bodily malfunctions. This exclusion does not apply to Loss resulting from an Insured Person's bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria - Suicide, attempted suicide, or intentionally self-inflicted injuries ### How to file a Travel Accident benefit claim When the Benefit Administrator receives notice of a claim, the Benefit Administrator will send You forms for giving proof of Loss within fifteen (15) days. If You do not receive the forms, You should send contact the Benefit Administrator again. Please return Your completed and signed claim form and the documents listed below as soon as possible to the Benefit Administrator: - A completed medical authorization form for each treating medical facility - Copy of the certificate of death, if applicable - A copy of the travel itinerary - A copy of the credit card statement reflecting the purchase, verification of the cardholder's name and the first six digits of the credit card number. ### Definitions **Accident or Accidental** means a sudden, unforeseen, and unexpected event which: happens by chance; is independent of illness and disease and is the direct source of Loss. **Accidental Bodily Injury** means Bodily Injury, which: 1) is Accidental; 2) is the direct cause of a Loss; and 3) occurs while the Insured Person is insured under this policy, which is in force. **Benefit Amount** means the Loss amount at the time the entire cost of the passenger fare is purchased with an eligible Account and/or rewards programs associated with Your covered Account. ### Additional provisions for Trip Cancellation and Interruption - As a handy reference guide, please read this and keep it in a safe place with Your other insurance documents. - You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims. - If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. - Termination dates may vary by financial institutions. Your financial institution can cancel or nonrenew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Federal Insurance Company (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and claims. For more information about the benefit described in this guide, contact the Benefit Administrator at 1-800-546-9806. If you are outside the United States, call collect at 1-804-673-1164.