Guide to Benefits for
MasterCard
®
Cardholders
Trip Cancellation
E. How to file a claim:
• Call the 1-800-MasterCard to request a claim form. You must report the claim within sixty (60) days of
the failure or the claim may not be honored.
• Submit the following documentation within one hundred and eighty (180) days from the date of failure
or the claim may not be honored:
- Completed and signed claim form.
- Covered card billing statement showing the charge for the covered trip.
- Proof of a covered reason. Examples, orders to report for active duty, subpoena to appear in court,
etc.
- For sickness, injury or death, a completed physician’s form.
- Copy of the cancellation policy of the common carrier.
- Any other documentation that may be reasonably requested by Us or Our designated representative
to validate a claim.
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.
Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may
have associated costs, which will be your responsibility (for example, legal referrals are free, but the
lawyer’s fee is your responsibility).
The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company,
an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key
Terms and EOC is governed by the Group Policy.
Effective date of benefits: Effective February 1, 2015, 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 anytime. Notice will be
provided for any changes.
Cancellation: 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
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 the cardholder whose cards are issued by U.S. financial
institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American
Samoa, Puerto Rico, Guam, and the U.S. 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.
Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved
dispute concerning this EOC (including the cost of, lack of or actual repair or replacement arising from a
loss or breakdown). Under this Arbitration provision, You give up your right to resolve any dispute arising
from this EOC by a judge and/or a jury. 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 the parties’ 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, the disputing party 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. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third
arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected by that
party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by
the parties, 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.S.C.A. § 1 et. seq.) and not by any state law concerning
arbitration. The rules of the American Arbitration Association (www.adr.org) will apply to any arbitration
under this EOC. The laws of the state of New York (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. “Due diligence” means the performance of all
vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the
same or similar circumstances in order to guard and protect the item.
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.
Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift
recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense.
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 and in excess of 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.
Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits
is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be
deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this
Guide shall remain valid and enforceable.
Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described
in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee
coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict
between the Guide and the master insurance policies, or an issuer’s, or the MasterCard actual offerings,
such master policies or actual offering shall control. Provision of services is subject to availability and
applicable legal restrictions.
©2015 MasterCard.