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• Losses caused by insects, animals, or pets.
• Plants, shrubs, animals, pets, consumables, and perishables.
• Items purchased for resale, rental, professional, or
commercial use.
• Professional services (including, but not limited to, the
performance or rendering of labor or maintenance; repair or
installation of products, goods, or property; professional advice
of any kind, including, but not limited to, information/services
or advice secured from any help or support line; or technical
support for software, hardware, or any other peripherals).
• Application programs, computer programs, operating
software, and other software.
• Losses resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation or damage by any
government, public authority, or customs ocial; risks of
contraband; illegal activity or acts.
• Losses caused by power surge, contamination by radioactive
or hazardous substances, including mold.
• Direct or indirect loss resulting from any Acts of God (including,
but not limited to, ood, hurricane, lightning, and earthquake).
• Losses caused by liquids, uids, oils, chemicals, or bodily
uids/excretions.
• Game animals, pets, or specimens preserved for display (e.g.,
sh, birds, reptiles, or mammals).
• Items stolen or damaged at a new home construction site.
• Rented, leased, or borrowed items for which you will be held
responsible.
• Trip, service, or diagnostic charges in the absence of any
covered repairs or veried failure.
• Any shipping charges, transportation and delivery charges, or
promised time frames for delivery, whether or not stated or
covered by the manufacturer’s warranty.
E. How to le a claim:
• Call 1-800-Mastercard or go to www.mycardbenets.com
to initiate a claim. You must report the claim within sixty (60)
days of the loss or the claim may not be honored.
• Submit the following documentation within one hundred and
eighty (180) days of the date you report the claim:
o Repair estimate for damaged item(s).
o Photograph clearly showing damage, if applicable.
o Receipt showing purchase of covered item(s).
o Statement showing purchase of covered item(s).
o Report from police listing any items stolen.
o Copy of the declarations page of any applicable insurance
or protection (including, but not limited to, homeowner’s,
renter’s, or auto insurance policy).
• Any other documentation that may be reasonably requested
by us or our administrator to validate a claim.
Baggage Delay
Evidence of Coverage
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
You must pay the entire cost of the common carrier ticket(s)
with your covered card and/or accumulated points from your
covered card.
B. The kind of coverage you receive:
• Reimbursement for the actual cost of replacing, on an
emergency basis, any personal articles (e.g., clothing, hygiene
and/or grooming products) or business eects (e.g., uniforms
or general oce supplies) contained in your checked baggage,
if the checked baggage is delayed in getting to you at your
scheduled destination.
• Coverage begins when the baggage is checked in with the
common carrier by you. This includes curbside check-in with
facility-designated personnel.
• Coverage ends when you regain possession of your checked
baggage from the common carrier. This includes curbside
checkout with facility-designated personnel.
• Coverage is secondary to any other applicable insurance
or coverage available to you including benets provided by
the common carrier (including, but not limited to, goodwill
payments, refunds, credit/vouchers). Coverage is limited
to only those amounts not covered by any other insurance
or coverage or common carrier benets (including, but not
limited to, goodwill payments, refunds, credit/vouchers).
C. Coverage limitations:
Coverage is limited to the actual cost, up to $250 per claim,
of replacing, on an emergency basis, any personal articles or
business eects contained in your checked baggage. There is a
maximum of two (2) claim(s) per twelve (12) month period.
D. What is NOT covered:
• Plants, shrubs, animals, consumables, and perishables.
• Art objects, antique items, collectibles of any kind (such as
items designed for people to collect or items that over time
become collectibles).
• All types of stored data or music (including, but not limited
to, computer software, DVDs, video cassettes, CDs, audio
cassettes, and lm).
• Keys, travelers’ checks, visas, documents of any kind, tickets
of any kind (e.g. airlines, sporting events, concerts, or lottery),
negotiable instruments, bullion, rare, or precious metals,
stamps, and coins, currency or its equivalent.
• Property shipped as freight (including, but not limited, to
automobiles and their equipment, motorcycles, gasoline or
oils, and electrical free-standing motors.
• Computers, printers, or any computer related equipment.
• Rugs, cameras, radios, CD or DVD player, sporting
equipment, cellular phones, or household furniture.
• Losses resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation, expropriation or
detention by any government, public authority, or customs
ocial; illegal activity or acts.
• Losses resulting from contamination by radioactive or
hazardous substances, including mold.