Purchase Security (Effective 3/05)
What is Purchase Security protection?
Purchase Security will replace, repair items, or reimburse you up to a maximum of $500 per claim and $50,000 per registered cardholder for eligible items of personal property purchased entirely with your registered Visa TravelMoney® card for the first ninety (90) days from the date of purchase in the event of theft, damage due to fire, vandalism, accidentally discharged water, or weather.
Who is eligible for this protection?
To be eligible for this coverage, you must be a valid registered cardholder of a registered U.S.-issued Visa TravelMoney card. Only purchases made by the registered cardholder will be covered.
What items are covered?
Your eligible purchases are protected against damage due to the following:
- Fire, smoke, lightning, explosion, riot, or vandalism.
- Windstorm, hail, rain, sleet, or snow.
- Aircraft, spacecraft, or other vehicles.
- Theft (except from autos or motorized vehicles).
- Accidental discharge of water or steam from household plumbing.
- Sudden accidental damage from electric current. (This coverage does not apply to electronic components.)
What items are not covered?
- Animals and living plants.
- Antiques and collectible items.
- Broken items, unless damage is the result of a covered occurrence.
- Computer software.
- Items damaged as a result of weather other than lightning, wind, hail, rain, sleet, or snow.
- Items purchased for resale, professional, or commercial use.
- Items stolen from automobiles and other vehicles and common carriers.
- Items that mysteriously disappear. "Mysterious Disappearance" means the vanishing of an item in an unexplained manner where there is an absence of evidence of a wrongful act by a person or persons.
- Items under the care and control of a common carrier (including U.S. Postal Service, airplanes, or delivery service).
- Jewelry and watches from baggage unless hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you.
- Losses resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects.
- Losses resulting from misdelivery or voluntary parting with property.
- Medical equipment.
- Perishables, consumables, boats, aircraft, automobiles, 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.
- Real estate and items which are intended to become part of real estate.
- Traveler's checks, cash, tickets, and any other negotiable instruments.
Are gifts covered?
Yes, as long as you purchased the gift entirely with your registered Visa TravelMoney card and it meets the terms and conditions of the program.
Are purchases outside the United States covered?
Yes, as long as you, the registered cardholder, purchased the item entirely with your registered Visa TravelMoney card and it meets the terms and conditions of the program.
Do I need to register my purchases?
No, your eligible items are automatically covered.
Do I need to keep copies of receipts or any other records?
Yes. If you want to file a claim, you will need copies of your registered Visa TravelMoney card receipt and your store receipt that clearly identifies that the eligible purchase was made using the registered Visa TravelMoney card.
How do I file a claim?
Call the Program Administrator at 1-800-525-1466 (or collect at 0-410-581-9994) within sixty (60) days of loss or damage. Please note: If you do not give such notice within sixty (60) days after the loss or damage, your claim may be denied. The representative will ask you for some preliminary claim information and send you the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of loss or damage. Gift recipients of eligible items may also handle the claim process if you wish. However, the gift recipient must provide all of the documents necessary to fully substantiate the claim. For faster filing, submit your claim online. It's easy, convenient, and available at no extra cost to registered Visa TravelMoney cardholders. To submit your claim and learn more about Visa Purchase Security go to the Visa Purchase Security Claim Center at www.Visa.com/eclaims.
What documents do I need to submit with my claim?
Your claim must contain the time, place, cause, and amount of the theft or damage, together with all of the following documentation substantiating your loss:
- Your completed and signed claim form.
- Your registered Visa TravelMoney card receipt.
- The itemized store receipt that clearly identifies that the eligible item was purchased with your registered Visa TravelMoney card by the registered cardholder.
- A police report (made within 48 hours of the occurrence in the case of theft), fire report, insurance claim, or other report sufficient to determine eligibility for benefits.
- A copy of your insurance declaration page, when applicable.
- Documentation (if available) of any other settlement of the loss.
- Any other documentation deemed necessary to substantiate your claim.
All claims must be fully substantiated as to the time, place, cause, and amount of damage or theft. In most cases, you will be asked to send, at your expense, the damaged item to substantiate the claim. Retain the item in the event it is requested by the Program Administrator.
How will I be reimbursed?
Depending on the nature and circumstances of the incident, the insurance provider, at its sole discretion, may choose to handle your claim in one of two ways:
- 1. The lost or damaged item (whether wholly or in part) may be repaired or rebuilt, or the stolen item may be replaced. If this option is chosen, you will usually be notified of the decision within fifteen (15) days following receipt of the required proof-of-theft/damage documentation.
- 2. You may be reimbursed for the eligible item, but not more than the original purchase price of the covered item as recorded on your registered Visa TravelMoney card receipt up to a maximum of $500 per claim occurrence. Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents.
Do I have to file a claim with my insurance company?
Yes. If you have personal (i.e. homeowner's, renter's, or automobile) insurance, you are required to file a claim with your insurance company and to submit a copy of any claims settlement from your insurance company along with your claim form. In some cases, at the option of the Program Administrator, where the claim amount is within your personal insurance deductible, a copy of your personal declaration page may be sufficient. This benefit and description supersedes any benefit or description you may have received earlier. Please read and retain for your records.
Travel and Emergency Assistance Services (Effective 3/05)
What are Travel and Emergency Assistance Services?
Help when you don't know where to turn. You can count on a wide range of Visa emergency services available whenever and wherever you need them, 24 hours a day, 365 days a year.
We will make every reasonable effort to respond when you have an emergency -- even if you need assistance beyond the services listed here. Please understand that, due to occasional problems such as distance, location, or time, neither Visa nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other service.
Who is eligible for Travel and Emergency Assistance Services?
You, your spouse, and your children (provided the children are dependents under 22 years old) may all take advantage of these special emergency services.
How do I get these services?
They're as close as the nearest phone. You simply call the Program Administrator at 1-800-992-6029 any hour of the day or night. If you are outside the United States, call collect at 0-804-673-1675.
Is there a charge for these services?
No. Visa Travel and Emergency Assistance Services are available to registered Visa TravelMoney cardholders at no additional charge. Please note: Visa Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.
What are the specific services and what do they provide?
Visa Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services should the need arise. Here are some of the ways we can help:
- Emergency Message Service can record and relay emergency messages for travelers, immediate family members, or business associates. NOTE: Visa will use reasonable efforts to relay emergency messages in accordance with program guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully.
- Medical Referral Assistance provides medical referral, monitoring, and follow-up. The Program Administrator can give you names of English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor your condition, keep in contact with your family, and provide continuing liaison; and help you arrange medical payments from your Visa or personal account. NOTE: All costs are your responsibility.
- Legal Referral Assistance can arrange contact with Englishspeaking attorneys and with U.S. embassies or consulates if you're detained by local authorities, have a car accident, or need legal assistance. In addition, the Program Administrator can coordinate bail payment from your Visa or personal account. The Program Administrator can also follow up to make sure bail has been properly handled. NOTE: All costs are your responsibility.
- Emergency Transportation Assistance can help you make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This even includes arranging to bring your young children home and staying in contact with family members or employers. In the case of a death, the Program Administrator can make arrangements for returning the remains of the deceased home. NOTE: All costs are your responsibility.
- Emergency Ticket Replacement helps you with the carrier's lost ticket reimbursement procedures if you should lose your ticket and can arrange delivery of a replacement ticket to you. NOTE: All costs are your responsibility.
- Lost Luggage Locator Service can help you through the common carrier's claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage. The Program Administrator can also arrange a cash advance with your Visa issuing bank. However, you are responsible for the cost of any replacement items shipped to you.
- Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available, when you need more extensive assistance. NOTE: All costs are your responsibility.
- Prescription Assistance and Valuable Document Delivery Arrangements can help you get prescriptions filled or replaced, subject to local laws, and can even arrange pickup and delivery of prescriptions filled for you at local or nearby pharmacies. It can also help transport critical documents which you may have left at home or elsewhere. NOTE: All costs are your responsibility.
- Pre-Trip Assistance can give you information on your destination before you leave -- information such as ATM locations, currency exchange rates, weather reports, health precautions, immunizations, and required passport visas.
Program Provisions for Travel and Emergency Assistance Services: The program described in this Guide will not apply to Visa TravelMoney cardholders whose accounts have been suspended or cancelled. The terms and conditions contained in this Program Guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Program Guide mailings, statement inserts, or statement messages.
For general questions regarding this benefit, call the Program Administrator at 1-800-992-6029. If you are outside the United States, call collect at 0-804-673-1675.
Lost Luggage Reimbursement (Effective 6/05)
For questions about your balance, call the customer service number on your Visa TRAVELMONEY statement. Reimbursement Level: $250.00 maximum per trip, $1,000.00 maximum per cardholder.
HOW DO I BENEFIT FROM LOST LUGGAGE REIMBURSEMENT?
Lost Luggage Reimbursement reimburses the eligible cardholder for checked or carry-on luggage and its contents for the difference between the "value of the amount claimed" and any Common Carrier's payment or other collectible reimbursement, up to $250.00 maximum per trip, $1,000 maximum per cardholder, if the luggage or contents is lost due to theft or misdirection by the Common Carrier. The "value of the amount claimed" is the lesser of the actual purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection with deduction for depreciation, and the cost to replace the item(s). The eligible cardholder must take all reasonable means to protect, save, and/or recover any checked or carry-on property at all times. This reimbursement is supplemental to, and excess of, any valid and collectible insurance and/or other collectible reimbursement from any other source.
WHO IS ELIGIBLE FOR THIS PROTECTION?
To be eligible for this reimbursement, you must be the holder of an eligible and activated U.S.-issued Visa TravelMoney card which is validly registered under your name prior to the date the luggage is lost or stolen. Only luggage of the validly registered cardholder is covered.
WHAT IS THE EFFECTIVE DATE?
This benefit is available as of the valid registration date of your card through the card expiration date embossed on the card.
WHAT ITEMS ARE NOT COVERED?
- Automobiles, automobile accessories and/or equipment; motorcycles; motors; boats; or other vehicles, or conveyances. Bicycles are also excluded except when checked with the Common Carrier.
- Contact lenses; eyeglasses; sunglasses; hearing aids; artificial teeth; dental bridges; and prosthetic limbs.
- Money; securities; credit or debit cards; checks; and traveler's checks.
- Tickets; documents (travel or otherwise); keys; coins; deeds; bullion; stamps; perishables; consumables; perfume; cosmetics; rugs and carpets; animals; cameras; sporting equipment and household furniture.
- Property shipped as freight or shipped prior to trip departure date.
- Items specifically identified or described in and insured under any other insurance policy.
- Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials.
- Loss resulting from abuse; fraud; or hostilities of any kind (including; but not limited to: war; invasion; rebellion; or insurrection).
- Business Items; cellular telephones; or art objects.
Business Items means items that are used in the purchase, sale, production, promotion, or distribution of goods or services (including, but not limited to, manuals, computers and their accessories, software, data, facsimiles, samples, collateral materials, etc.).
Checked Luggage means suitcases or other containers specifically designed for carrying personal belongings, for which a claim check has been issued to You by a Common Carrier.
Common Carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, limousine services; commuter rail or commuter bus lines.
WHAT DO I DO IF MY LUGGAGE OR ITS CONTENTS ARE LOST OR STOLEN?
If your luggage or its contents are lost or stolen, 1) immediately notify the Common Carrier to begin the Common Carrier's claim process. 2) immediately call the Program Administrator at 1-800-757-1274, or call collect at 0-804-673-6496.
Notification to the Program Administrator must be made within twenty (20) days from the date the luggage was lost or stolen.
The Program Administrator will answer any questions you may have and send you a special claim form.
HOW DO I FILE A CLAIM?
Complete the claim form you receive from the Program Administrator. Mail the following items within ninety (90) days from the date the luggage was lost or stolen to the address provided.
- The completed claim form.
- Proof of ticketing by the Common Carrier, including but not limited to itinerary, boarding pass or used ticket stub.
- A copy of any check, settlement, denial or explanation of coverage issued by the Common Carrier together with a copy of Common Carrier's completed claim form, a list of the items lost and their value, and a copy of the luggage claim "check" (if applicable).
- A copy of your statement reflecting the card was validly registered to you and active on the date the luggage or its contents were lost or stolen.
- A copy of your insurance declarations page and documentation of any settlement of the loss or theft.
- Any other documentation deemed necessary by the Program Administrator to substantiate the loss or theft.
- A signed, sworn proof of loss or affidavit as requested by the Program Administrator.
DO I HAVE TO FILE A CLAIM WITH MY INSURANCE COMPANY?
Yes. If you have personal insurance (i.e. homeowner's, renter's or other insurance applicable to the lost or stolen luggage or contents), you are required to file a claim with your insurance company and submit a copy of any claim settlement along with your completed claim form.
If the claim amount is within your personal insurance deductible, the Program Administrator may, at its option, deem a copy of your personal insurance declarations page to be sufficient.
TRANSFERENCE OF CLAIMS
After you have received payment for the loss or theft under this reimbursement benefit, all your rights and remedies against any party in respect of this loss or damage will be transferred to the Provider to the extent of the cost of the Provider's payment to you. The Provider shall be entitled at its own expense to sue in your name. You must give the Provider all assistance as the Provider may reasonably require to secure its rights and remedies, including the execution of all documents necessary to enable the Provider to bring suit in your name.
ADDITIONAL PROGRAM PROVISIONS FOR LOST LUGGAGE REIMBURSEMENT:
You must use due diligence and do all things reasonably necessary to avoid or diminish any loss to property protected by this program. The Provider will not unreasonably apply this provision to avoid claims. If you make any claim knowing it to be false or fraudulent in any respect, including, but not limited to, the cost of repair services, no coverage shall exist for such a claim and your benefits may be canceled.
Until sixty (60) days after you have provided proof of loss, no action at law or in equity may be brought to recover on this coverage. After the expiration of two (2) years from the time written proof of loss was to be provided, no action may be brought to recover on this coverage.
Lost Luggage Reimbursement is a service provided to eligible Visa TravelMoney cardholders in accordance with the policy underwritten by Indemnity Insurance Company of North America (the "Provider"), and is subject to the terms and conditions outlined therein including certain restrictions, limitations, and exclusions. This Program Guide is not a policy of insurance. In the event of any conflict between this Program Guide and the policy, the policy will govern. The policy is on file at the offices of Visa U.S.A. Lost Luggage Reimbursement will not apply to Visa cardholders whose accounts have been suspended or cancelled.
Lost Luggage Reimbursement is provided to eligible holders of U.S.-issued Visa TravelMoney cards at no additional cost. The terms and conditions of the Lost Luggage Reimbursement may be modified by subsequent endorsements. Such modifications may be provided via additional mailings, statement inserts, or statement messages. Visa and/or your Financial Institution may cancel or non-renew the coverage, and if so, you will be notified at least thirty (30) days in advance. If the insurer non-renews or cancels any coverages provided to eligible Visa TravelMoney cardholders, you will be notified within 30â€"120 days before the expiration of the policy. In the event substantially similar coverage takes effect without interruption, no such notice is necessary.
For general questions regarding this benefit, call the Program Administrator at 1-800-757-1274, or call collect at 0-804-673-6496.