Card : Card means a payment card or other payment device or method linked to or representing a credit or charge account issued by Wells Fargo Bank, N. Rented Automobile : Rented Automobile means a four-wheeled private passenger type motor vehicle or a mini-van manufactured and designed to transport a maximum of seven passengers and used exclusively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from a Licensed Rental Agency. Off-road, antique or limited-edition vehicles are excluded, as are trucks, recreational vehicles, campers, pickup trucks and minibuses.
When these other plans apply, an Insured must first seek payment or reimbursement from such plans, and receive a determination based on the stated terms of such other plans, that any such plans do not provide complete coverage, prior to such time as the Insured can be reimbursed through Excess Coverage. Licensed Rental Agency : Licensed Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction.
Reimbursement will be on an Actual Cash Value basis, for loss for which the Insured is responsible. This coverage applies provided the entire rental fee for the Rented Automobile, less redeemable certificates, vouchers, coupons, or points has been charged to Your Card. Length of Coverage : The coverage period will not exceed thirty-one 31 consecutive days.
From the amount of reimbursement due the Insured, the amount of any valid and collectible insurance will be deducted. In no event will the Company be liable beyond the amounts actually paid by the Insured. The insured must file a claim with their primary insurance as this policy is Excess Coverage.
Coverage does not apply to loss resulting from the following:. Effective Date. This plan is effective on the date You qualify as an eligible Insured and will cease on the date the Master Policy terminates in which case You will be notified by Wells Fargo Bank, N.
In addition, the Insured must send the following information to the Company or its authorized representative:. To the extent that this plan provides insurance against damage to a rented motor vehicle, the following additional terms and conditions apply: 1 The period of insurance coverage will not exceed thirty-one 31 consecutive days; 2 The insurance provided by this plan will be Excess Coverage over any other valid and collectible insurance covering the rented motor vehicle.
However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and if the following criteria are met: a The motor vehicle is rented for use outside the United States, its territories and possessions; and b The motor vehicle is rented without a driver.
All other terms and conditions which do not conflict with this paragraph continue to apply. This Summary of Coverage is not a contract of Insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect.
If a statement in this Summary of Coverage and any provision in the Policy differ, the Policy will govern. Loss : Loss means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with regard to thumb and index finger, means complete severance through or above the knuckle joints of the thumb and index finger of the same hand; with respect to a foot, complete severance through or above the ankle joint; with respect to eye, means the permanent loss of vision in one eye.
Benefit Amount : Benefit Amount means the Loss amount applicable at the time the entire cost of the passenger fare is charged to a Card account. The Plan. As the holder of a Card, You, Your spouse or Domestic Partner, and Unmarried Dependent Children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed Common Carrier, provided the entire cost of the passenger fare s , less redeemable certificates, vouchers, coupons, or points has been charged to Your Card account.
If the entire cost of the passenger fare has been charged to Your Card account prior to departure for the airport, terminal or station, coverage is also provided for Common Carrier travel including taxi, bus, train or airport limousine, including courtesy transportation ; immediately, a preceding Your departure, directly to the airport, terminal or station b while at the airport, terminal or station, and c immediately following Your arrival at the airport, terminal or station of Your destination.
If the entire cost of the passenger fare has not been charged to Your Card account prior to Your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to Your Card.
This travel insurance plan is provided at no additional cost to eligible Insureds. The Loss of Life benefit will be paid to the beneficiary designated by the Insured. All other indemnities will be paid to the Insured. The Company will pay the single largest applicable Benefit Amount.
In no event will duplicate request forms or multiple Card accounts obligate the Company in excess of the stated Benefit Amounts for any one loss sustained as the result of any one accident by any one individual Insured. Benefits will be proportionately divided among the Insured up to the maximum limit of insurance.
Extensions of Insurance are subject to the provisions of the policy, and all other policy terms and conditions. This insurance also does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a lifethreatening emergency.
This insurance is effective on the date on the Master Policy, and will cease on the date the Master Policy is terminated or on the date Your Card account terminates or ceases to be in good standing, whichever occurs first.
Claim Notice : Written Notice of Claim must be given to us or any of Our appointed agents or brokers within twenty 20 days after the occurrence or commencement of any Loss covered by this policy or as soon as reasonably possible. Notice must include enough information to identify the Insured Person and Policyholder.
Failure to give Notice of Claim within twenty 20 days will not invalidate or reduce any claim if notice is given as soon as reasonably possible. Claim Forms : When We receive notice of a claim We will send the Insured or the Insured designee, within fifteen 15 days, forms for giving us Proof of Loss. If the Insured or the Insured designee does not receive the forms, the Insured or the Insured designee should send us a written description of the Loss.
This written description should include information covering the occurrence, character and extent of the Loss for which claim is made. Proof of Loss : For claims involving disability, written Proof of Loss must be given to us within thirty 30 days after commencement of the period for which We are liable. Subsequent written proof of the continuance of such disability must be given to us at such intervals as We may reasonably require.
Failure to give written Proof of Loss within these time frames will not invalidate or reduce any claim if notice is given as soon as reasonably possible, and in no event, except in cases where the claimant lacks legal capacity, later than one 1 year after the deadline to submit written Proof of Loss. For all claims except those involving disability, written Proof of Loss must be given to us within ninety 90 days after the date of Loss, or as soon as reasonably possible.
Claim Payment : For benefits payable involving disability, We will pay the Insured or beneficiary the applicable Benefit Amount no less frequently than monthly during the continuance of the period for which We are liable. At the end of this period, We will immediately pay any remaining balance of the Benefit Amount.
All payments by us are subject to receipt of written Proof of Loss. For all benefits payable under this policy except those for disability, We will pay the Insured or beneficiary the applicable Benefit Amount within sixty 60 days after We receive a complete Proof of Loss, if the Insured and Policyholder have complied with all the terms of this policy.
As a handy reference guide, please read this and keep it in a safe place with Your other insurance documents. This description of coverage is not a contract of insurance but is simply an informative statement of the principal provisions of the insurance while in effect.
If a statement in this description of coverage and any provision in the policy differ, the policy will govern. Any person who, knowingly and with intent to defraud any insurance company or other person: files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, which is a crime.
In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant or Insured Person. This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. This Guide to Benefits is intended as a summary of benefits provided to You. The definitions Coverage and all the information about the insurance benefits listed in this Guide to Benefits are governed by the conditions, limitations, and exclusions of the Group Policy.
Information the insurer gathers from You, from Your request for insurance coverage or other forms You furnish to the insurer, such as Your name, address, telephone number, and information about Your transactions with the insurer such as claims made and benefits paid.
The insurer may disclose all information it collects, as described above, to companies that perform administrative or other services on Our behalf solely in connection with the insurance coverage You have received.
The insurer does not disclose any personal information about former insureds to anyone, except as required by law. The insurer restricts access to personal information about You to those employees who need to know that information in order to provide coverage to You. The insurer maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard Your personal information.
Should You have any questions about the insurance procedures or the information contained within Your file, please contact the insurer by writing to: Compliance Department Virginia Surety Company, Inc.
Effective December 1, , 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. The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all Cardholders. If the Policyholder does cancel these benefits, You will be notified at least sixty 60 days in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, You will be notified as soon as is practicable. Insurance benefits will still apply for any benefits You were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to You : These benefits apply only to Cardholders whose cards are issued by U. Virgin Islands. No person or entity other than the Cardholder 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 account is suspended or cancelled, subject to the terms and conditions of coverage. Transfer of rights or benefits : No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim Administrator for these benefits. Misrepresentation and Fraud : Benefits shall be void if the Cardholder has concealed or misrepresented any material facts concerning this coverage.
You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three 3 arbitrators each of whom is an independent, neutral third party will give a decision after hearing Your and Our positions.
The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law.
To start arbitration, either You or VSC must make a written demand to the other party for arbitration. This demand must be made within one 1 year of the earlier of the date the loss occurred or the dispute arose. You and VSC will each separately select an arbitrator. The two 2 arbitrators will select a third arbitrator called an "umpire. The expense of the umpire will be shared equally by You and VSC.
Unless otherwise agreed to by You and VSC, the arbitration will take place in the county and state in which You live. The arbitration shall be governed by the Federal Arbitration Act 9 U. The rules of the American Arbitration Association www.
The laws of the state of Illinois without giving effect to its conflict of law principles govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance and enforcement of this EOC. Due Diligence : All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs.
Subrogation : If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or Cardholder who receives payment under these benefits must transfer to the insurance company 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, or these rights will be recovered from the Cardholder.
Failure to remit the requested item for salvage to the claim Administrator may result in denial of the claim. Other Insurance : Coverage is secondary to any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.
In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies. Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. CC-FLD 9.
American Express is a federally registered service mark of American Express and is used by Wells Fargo pursuant to a license. Wells Fargo is not affiliated with nor does it maintain control over any other company offering products, services, or policies.
Wells Fargo is not responsible for the actions or omissions of these companies nor is Wells Fargo responsible for any other cause, condition, or event beyond its direct control. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.
The material made available for you on this website, Credit Intel , is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors. Money Cards Credit Score Glossary. Facebook Twitter Linkedin Email. This benefit helps with events like replacing a lost passport, missing luggage assistance, emergency legal and medical referrals, and in some instances, emergency medical transportation assistance.
Premium Global Assistance is offered on the following American Express credit cards:. Emergency translation if you need an interpreter to help with legal or medical documents cost isn't covered. Lost item search if your belongings are lost while traveling. Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags. Physician referral if you need a doctor or dentist cardmember is responsible for costs.
Repatriation of remains in the event of death. Emergency wire service to get help obtaining cash fees will be reimbursed. Bail bond assistance if you need access to an agency that accepts AmEx cardmember is responsible for paying bail bond fees.
Embassy and consulate referral if you need help finding or accessing local embassies. You can also call collect at The main difference between the Global Assist Hotline and the Premium version is that some of the services that are fully covered by Premium Global Assist aren't covered in the more basic version cited examples include emergency medical transportation assistance and repatriation of mortal remains.
The Global Assist Hotline is available to holders of the following cards:. Hilton Honors American Express Card. Yes, if you have one of the cards listed above. Generally, AmEx offers a number of travel insurance benefits on its credit cards that shouldn't be overlooked.
Yes, but it depends on which card you have. To qualify for reimbursement, the trip cancellation must be for a covered reason. Refer to the section "Trip Cancellation and Interruption Insurance" for a list of cards and explanations of covered reasons. American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage.
However, if you need insurance benefits with higher limits, we recommend purchasing a separate travel insurance policy.
If you only need emergency medical coverage , there are policies that provide that as well. Call the number on the back of your card to ask for guidance. Some benefits may require authorization from American Express before coverage kicks in, so make sure you follow all the correct steps for reimbursement. Refer to the AmEx credit card policy for the specific benefit because it will include instructions for submitting a claim. If you cannot find the policy, you should call the customer service number on the back of your American Express card for more assistance.
AmEx offers a wide array of travel insurance benefits, especially on its premium cards. Knowing what benefits are available to you is important in the event of unforeseen circumstances. It makes sense to familiarize yourself with these policies in case something goes wrong. Here are our picks for the best travel credit cards of , including those best for:. Accidental injuries.
Inclement weather. Change in military orders. Terrorist acts. Eligible cards. Terms apply. Covered amount. Eligible cards and reimbursement amount. Length of delay. Reimbursement amount.
Accidental injury coverage. The cost to repair the rental car. Baggage insurance. The cardmember. Their spouse or domestic partner. Eligible cards and reimbursement amounts.
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