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Coign Card Benefits Guide
Contents
Purchase Security ......................................................................................................................................... 1
Extended Warranty Protection .................................................................................................................... 6
Cellular Telephone Protection ................................................................................................................... 10
Auto Rental Collision Damage Waiver ....................................................................................................... 15
Roadside Dispatch® .................................................................................................................................... 20
Travel Emergency Assistance Services ....................................................................................................... 21
Visa Signature® Luxury Hotel Collection (VLHC) ......................................................................................... 23
Visa Signature® Golf Benefit by Troon® ..................................................................................................... 27
Visa Signature® Concierge ......................................................................................................................... 30
GigSky ........................................................................................................................................................ 31
Your Guide to Benefit describes the benefit in effect as of 4/15/21. Benefit information in this
guide replaces any prior benefit information You may have received. Please read and retain
for Your records. Your eligibility is determined by Your financial institution.
Purchase Security
Life is full of surprises… some good surprises; and some, not so good.
For instance, Your son’s brand-new iPad got soaked, in a sudden rainstorm at summer camp. But, You
bought the item with Your card so, You may be covered.
Purchase Security protects new retail purchases made with Your eligible Account and/or rewards program
associated with Your covered Account within the first ninety (90) days from the date of purchase. To be
eligible for this coverage, You need to purchase either a portion or the entire cost of the item using Your
Account and/or rewards program associated with Your covered Account.
At the Benefit Administrator’s discretion, this benefit replaces, repairs, or reimburses You, up to the total
purchase price of Your item for a maximum of one thousand dollars ($1,000.00) per claim and ten thousand
dollars ($10,000.00), per cardholder, in the event of theft or damage.
You are eligible for this benefit if You are a cardholder of an eligible card issued in the United States.
Gifts purchased for friends and family members may also be covered if they are purchased with Your covered
Account and/or rewards program associated with Your covered Account.
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Purchase Security covers
Eligible items of personal property purchased with Your Account and/or rewards program associated with
Your covered Account are covered for damage or theft. Purchases made outside the United States are also
covered as long as You purchased the item with Your covered Account and/or rewards program associated
with Your covered Account.
Purchase Security does not cover
• Animals and living plants
• Antiques or collectible items
• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or
accessories, including trailers and other items towable or attachable to any motorized vehicle
• Broken items, unless the result of a covered occurrence
• Computer software
• Items purchased for resale, either professional or commercial use
• Items that are lost, or that “mysteriously disappear,” meaning they vanished in an unexplained
manner, with no evidence of wrongdoing by one person or several
• Items under the control and care of a common carrier (including the U.S. Postal Service, airplanes,
or a delivery service)
• Items in Your baggage (unless hand carried, or under Your supervision or that of a companion You
know); includes jewelry and watches, among other things
• Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection,
terrorist activities, and more); confiscation by authorities (if contraband or illegal); normal wear and
tear; flood, earthquake, radioactive contamination; damage from inherent product defects
• Theft or damage from misdelivery, or voluntarily parting with property
• Medical equipment
• Perishable or consumable items, including cosmetics, perfumes, rechargeable batteries, among
others
• Real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage
doors and openers, ceiling fans, among other items
• Rented and leased items
• Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments
• Items used or pre-owned (Refurbished items will not be considered used or pre-owned as long
accompanied by a warranty)
• Losses caused by or resulting from a Cyber Incident
Filing a Purchase Security claim
Call the Benefit Administrator at 1-800-553-4820, or call collect outside the U.S. at 1-303-967-
1096, within sixty (60) days of the damage or theft (if You wait longer, coverage may be denied).
The Benefit Administrator will ask for some preliminary claim information, answer Your questions and send
You a claim form. When You submit Your claim, be sure to include all information regarding Your claim
including the time, place, cause and the amount to either replace or repair the item.
If You have insurance (homeowner’s, renter’s, car, employer or any other), You are required to file a claim
with Your insurance company and to submit a copy of any claim settlement from Your insurance company
along with Your claim form. Purchase Security provides coverage on an “excess” coverage basis, meaning it
does not duplicate coverage, but pays for a loss only after valid and collectible insurance or indemnity
(including, but not limited to, homeowner’s, renter’s, automobile, or employer’s insurance policies) has been
exhausted. At that point, Purchase Security will cover the loss up to the amount charged to Your eligible
Account, subject to the terms, exclusions, and limits of liability of the benefit.
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This benefit also pays for the outstanding deductible portion of Your insurance or indemnity for eligible
claims. The maximum total limit of liability is up to one thousand dollars ($1,000.00) per claim occurrence
and ten thousand dollars ($10,000.00) per cardholder. You will receive no more than the purchase price as
recorded on the eligible card receipt.
When a protected item is part of a pair or set, You will receive no more than the value (as described above) of
the particular part or parts, stolen or damaged, regardless of any special value that item may have as part of
such a pair or set, and no more than the proportionate part of an aggregate purchase price of such pair or set.
For faster filing, or to learn more about Purchase Security, visit
www.cardbenefitservices.com
Gift recipients may file their own claims, if they have the necessary substantiating documents.
Please submit the following documents:
• Your signed and completed claim form
• A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your eligible Account and/or rewards program
associated with Your covered Account
• If more than one method of payment was used, please provide documentation as to additional
currency, voucher, points or any other payment method utilized
• A copy of the itemized store receipt demonstrating that the purchase was made on Your eligible
Account and/or rewards program associated with Your covered Account
• Copy of the documentation of any other settlement of the loss (if applicable)
• If the item is repairable, the estimate of repair OR a copy of the paid receipt/invoice for the repairs,
indicating the type of damage to the claimed item (if applicable)
• Copy of the police report (made within forty-eight [48] hours of the occurrence in the case
of theft), fire report or incident report to substantiate the loss. If the loss was not reported, please
provide a replacement receipt or other sufficient proof of loss deemed eligible solely by Your Benefits
Specialist (if applicable)
• Any other documents necessary to substantiate Your claim
In some cases of damage, You will be asked to send, at Your expense, the damaged item along with Your
claim in order to substantiate the claim, so make sure to keep the damaged item in Your possession.
PLEASE NOTE: Your maximum recovery under the Purchase Security Benefit is the purchase price of the
item, not to exceed the coverage limit.
Please return Your signed and completed form with all documentation within ninety (90)
days of the date of theft or damage.
How will I be reimbursed?
Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one of
two ways:
• A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be replaced. Typically,
You will receive notice about this decision within fifteen (15) days upon receipt of Your claim
documentation.
• You may receive payment to replace Your item, an amount not more than the original purchase price,
less shipping and handling charges, up to one thousand dollars ($1,000.00) per claim and ten
thousand dollars ($10,000.00) per cardholder. You will only be reimbursed up to the dollar amount
to replace or repair the item or the program limit, whichever is less. Under normal circumstances,
reimbursement will take place within five (5) business days.
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Definitions
Account means Your credit or debit card Accounts.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Covered Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data or Covered Purchase;
(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Covered
Purchase during the manufacturing process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of a Covered Purchase to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or
rewards program associated with their covered Account.
You or Your means an Eligible Person who used their eligible Account to purchase the item and/or rewards
program associated with their covered Account.
Additional provisions for Purchase Security
• Signed or pinned transactions are covered as long as You use Your eligible Account to secure the
transaction.
• 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. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
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• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #PSECALLPER 1K 2021 (04/21) PPS-O
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-553-4820, or call collect outside the U.S. at 1-303-967-1096.
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Extended Warranty Protection
Product warranties can be inconvenient and cumbersome to use. Let’s say You purchased a great gadget
about a year ago, but it just stopped working, and You can’t find Your sales receipt and warranty information.
For all too common situations like these, Extended Warranty Protection can help.
Extended Warranty Protection provides You with valuable features that help You manage, use and extend the
warranties for eligible items purchased on Your covered Account and/or rewards program associated with
Your covered Account. Services include Warranty Registration and Extended Protection. You are eligible
for this benefit if You are a cardholder of an eligible card issued in the United States and You
purchase either a portion or the entire cost of the item using Your Account and/or rewards program
associated with Your covered Account.
Here’s how Warranty Registration works
When You purchase an eligible item that carries a manufacturer’s warranty, You can register Your purchase
by calling 1-800-551-8472 or call collect outside the U.S. at 1-303-967-1096. You can also register
Your purchase online at www.cardbenefitservices.com.
The Benefit Administrator will tell You where to send Your item’s sales receipt and warranty information, so
they can be kept on file should You need them.
If You choose not to register Your item, be sure to keep Your monthly billing statement reflecting the
purchase, the itemized sales receipt, the original manufacturer’s written U.S. warranty and any additional
warranty in a safe place. These documents will be required to verify Your claim.
Here’s how Extended Protection works
Your warranty coverage can be doubled up to one (1) additional year on eligible warranties of three (3) years
or less. For example, a manufacturer’s warranty of three (3) months would be provided with an additional
three (3) months of coverage for a combined total of six (6) months of coverage, and a warranty for six (6)
months would be provided with an additional six (6) months of coverage for a combined total of twelve (12)
months of coverage. However, if the manufacturer’s warranty is for three (3) years, it would only be extended
one (1) additional year for a combined total of four (4) years of coverage.
This benefit is limited to no more than the original price of the purchased item (as shown on Your
credit card receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00)
per claim, and fifty thousand dollars ($50,000.00) per cardholder.
The benefit covers purchases made both inside and outside the U.S. The eligible item must have a valid
original manufacturer’s U.S. repair warranty of three (3) years or less, store-purchased dealer warranty, or an
assembler warranty.
What Extended Protection does not cover
• Boats, automobiles, aircraft, 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
• Any costs other than those specifically covered under the terms of the original manufacturer’s
written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
• Items purchased for resale, professional, or commercial use
• Real estate and items which are intended to become part of real estate including, but not limited to,
items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
• Rented or leased items
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• Computer software
• Medical equipment
• Used or pre-owned items (Refurbished items will be covered as long as it has a warranty with it and
would not be considered used or pre-owned.)
• Losses caused by or resulting from a Cyber Incident.
Filing an Extended Protection claim
To file a claim, call the Benefit Administrator at 1-800-551-8472 or call collect outside the U.S. at 1-
303-967-1096, immediately after the failure of Your covered item. Please note if You do not notify the
Benefit Administrator within sixty (60) days of product failure, Your claim may be denied.
The Benefit Administrator will request preliminary claim information, direct You to the appropriate repair
facility, and send You the claim form. Gift recipients of eligible items are also covered, but they must provide
all the documents needed to substantiate their claim.
If You received or purchased a service contract or an extended warranty when You purchased Your item, this
benefit will be supplemental to, and in excess of, that coverage.
What You must submit to file a claim
Fill out and sign the claim form the Benefit Administrator sent You, then submit the form within ninety
(90) days of the product failure, along with the following documents:
• A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the purchase was made on Your eligible Account and/or rewards program
associated with Your covered Account
• If more than one method of payment was used, please provide documentation as to additional
currency, voucher, points or any other payment method utilized
• A copy of the itemized sales receipt
• A copy of the original manufacturer’s written U.S. warranty, and any other applicable warranty
• A description of the item and its serial number, and any other documentation deemed necessary to
substantiate Your claim (this includes bills and, if necessary, a copy of the maintenance record and
receipts)
• The original repair estimate or repair bill, indicating cause of failure
• Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim
All claims must be fully substantiated.
For faster filing, or to learn more about Extended Warranty Protection, visit
www.cardbenefitservices.com
How You will be reimbursed
If You have substantiated Your claim and met the terms and conditions of the benefit, Your item will be
replaced or repaired at the Benefit Administrator’s discretion, but for no more than the original
purchase price of the covered item, as recorded on Your credit card receipt, less shipping and handling fees,
up to a maximum of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars
($50,000.00) per cardholder. You will only be reimbursed up to the amount charged to Your Account or the
program limit, whichever is less.
Under normal circumstances, reimbursement will occur within five (5) business days of the receipt and
approval of all required documents.
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If Your item is to be repaired, You may go to an authorized repair facility and file a claim for reimbursement.
Only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered.
In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the
obligation under this benefit.
Definitions
Account means Your credit or debit card Accounts.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or a Covered Purchase;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or Covered Purchase;
(d) restriction or inhibition of access to or directed against Your Digital Data or Covered Purchase;
(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Covered
Purchase during the manufacturing process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of a Covered Purchase to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or
rewards program associated with their covered Account.
You or Your means an Eligible Person who purchase their item to their eligible Account and/or rewards
program associated with their covered Account.
Additional provisions for Extended Protection
• Signed or pinned transactions are covered as long as You use Your eligible card to secure the
transaction.
• 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. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
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• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide will not
apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #EWP 10K-50K-3YR – 2021 (04/21) WM-O
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-551-8472 or call collect outside the U.S. at 1-303-967-1096.
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Cellular Telephone Protection
Cell phones have become an everyday necessity for the average person, which means if Your cell phone is
damaged or stolen, getting it repaired or replaced is not optional.
Fortunately, Cellular Telephone Protection is available which provides coverage for damage to, theft of, or
involuntary and accidental parting of Your cell phone. An involuntary and accidental parting is the
unintended separation from Your cell phone when its location is known, but recovery is impractical to
complete. This benefit is available if You are a valid cardholder of an eligible U.S. issued card enrolled in the
Cellular Telephone Protection benefit and You charge Your monthly cellular wireless phone bills to Your
eligible card for the billing cycle before the month in which the incident occurs. Eligible cell phones are the
lines listed on Your most recent cellular wireless service provider’s (“cell phone provider”) monthly billing
statement for the billing cycle prior to when the incident occurred.
What is covered?
This benefit is supplemental coverage, which means that it will reimburse You for theft of, damage to or
involuntary and accidental parting of Your cell phone not otherwise covered by another insurance policy (for
example; cell phone insurance programs, or Your homeowner’s, renter’s, automobile, or employer’s
insurance policies).
If You do have personal insurance that covers theft, damage or involuntary and accidental parting for Your
cell phone, this benefit reimburses You for the deductible portion of Your cell phone insurance.
If You do not have personal insurance, the benefit reimburses You for the covered theft, damage, or
involuntary and accidental parting for Your cell phone.
Once all other insurance has been exhausted, Cellular Telephone Protection will provide coverage up to $250
per claim with a maximum of two (2) claims and $500.00 per twelve (12) month period. If it is determined
that Your cell phone requires replacement due to the theft of, damage to or an involuntary or accidental
parting of the device, You will receive the replacement value subject to the fifty dollar ($50.00) deductible
and the benefit maximum. The replacement value is the lesser of Your cellular wireless service provider’s
suggested retail value of a similar model replacement cell phone or the actual cost to replace the cell phone.
If Your cell phone is repairable, You will receive an amount as determined by the diagnostic to repair the cell
phone subject to the benefit maximum and fifty-dollar ($50.00) deductible.
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no
evidence of physical damage, are not covered under this program.
When does it apply?
Cellular Telephone Protection applies when You make Your monthly cellular wireless phone bill payment
with Your eligible card. Coverage begins the first day of the calendar month following a payment of the
cellular wireless phone bill.
If You fail to make a cellular wireless phone bill payment in a particular month, Your coverage will be
suspended. Coverage will resume on the first day of the calendar month after the date of any future cellular
wireless phone bill payment made with the eligible card.
If Your cell phone is stolen as a result of criminal activity, You must file a police report within
forty-eight (48) hours of the event.
What is not covered?
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This benefit will not provide reimbursement for the following:
• Cell phone accessories other than
standard battery and/or standard antenna
provided by the manufacturer
• Cell phones purchased for resale,
professional, or commercial use
• Cell phones that are lost or “mysteriously
disappear,” meaning that the phone
vanished in an unexplained manner
without evidence of a wrongful act by a
person or persons
• Cell phones under the care and control of
a common carrier (including, but not
limited to, the U.S. Postal Service,
airplanes, or delivery service)
• Cell phones stolen from baggage unless
hand-carried and under Your personal
supervision, or under supervision of Your
traveling companion
• Cell phones which have been rented,
borrowed or are part of pre-paid or “pay
as you go” type plans
• Cosmetic damage to the cell phone or
damage that does not impact the cell
phone’s capabilities and functionalities
• Damage or theft resulting from abuse,
intentional acts, 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
• Damage or theft resulting from
misdelivery or voluntary parting with the
cell phone
• Taxes, delivery and transportation
charges, and any fees associated with the
cellular wireless service provider
• Losses caused by or resulting from a
Cyber Incident
How to file a Cellular Telephone Protection claim
• Within sixty (60) days of the date of the damage or theft, notify the Benefit Administrator at
1-866-894-8569 or outside the U.S. call collect at 1- 303-967-1096. The Benefit
Administrator will ask You some preliminary questions and send You the appropriate claim form.
Please note, if You do not notify the Benefit Administrator within sixty (60) days after
the damage or theft, Your claim may be denied.
• Return the completed, signed claim form and the requested documentation below
within ninety (90) days of the date of the damage or theft to the address provided by
the Benefit Administrator.
For faster filing, or to learn more about Cellular Telephone Protection, visit
www.cardbenefitservices.com
Please submit the following documents:
• The completed signed claim form
• A copy of Your cellular wireless service provider billing statement demonstrating that the entire monthly
payment for the cellular wireless phone bill was made the month prior to the date of damage or theft and
has been paid with the eligible card.
• If Your cellular wireless service provider’s billing statement doesn’t show payment with the eligible card,
a copy of Your card monthly billing statement that corresponds with the above cellular wireless phone
monthly billing statement
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• A copy of the device summary page from Your cellular wireless phone bill or other sufficient proof of the
claimed cell phone model linked to Your cell phone account
• If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48)
hours of the event
• Based on the details of the claim, the Benefits Administrator may request additional verification
including:
o An itemized repair estimate from an authorized cell phone repair facility
o The damaged cell phone, for evaluation of its damage
o An itemized store receipt for the replacement cell phone
• Documentation (if available) of any other claim settlement such as Your cellular wireless provider or
manufacturer’s insurance settlement (if applicable)
• Any other documentation deemed necessary in the Benefits Administrator’s sole discretion, to
substantiate Your claim. All claims must be fully substantiated as to the time, place, cause, and purchase
price of the cell phone.
If the cell phone is damaged, do not discard it until the claim has been fully reviewed.
How will I be reimbursed?
Depending on the nature and circumstances of Your claim, the Benefit Administrator may choose to
repair or replace Your cell phone or reimburse You for the lesser of:
a) Up to $250 after the fifty dollar ($50.00) deductible has been applied to the replacement or
repair cost; or
b) The current cellular wireless service provider’s suggested retail value of a similar model
replacement cell phone, or the actual cost to replace it, whichever is lower (not including taxes,
delivery and transportation charges or fees associated with the cellular wireless service provider),
less Your fifty dollar ($50.00) deductible.
c) If Your cell phone is repairable, You will receive an amount as determined by the diagnostic
to repair the cell phone less Your fifty dollar ($50.00) deductible.
Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and
approval of Your claim form and all necessary documents.
Definitions
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or an Eligible Wireless Cellular Telephone;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or an Eligible Wireless Cellular Telephone;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or an Eligible Wireless Cellular Telephone;
(d) restriction or inhibition of access to or directed against Your Digital Data or an Eligible Wireless Cellular
Telephone
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(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on an Eligible
Wireless Cellular Telephone during the manufacturing process, upgrade process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of an Eligible Wireless Cellular Telephone to store information, process
information, and transmit information over the Internet.
Eligible Cellular Wireless Telephones are the lines listed on your most recent cellular wireless service
provider’s (“cell phone provider”) monthly billing statement for the billing cycle prior to when the incident
occurred.
Eligible Person means a cardholder who pays for their monthly cellular wireless phone bill with their eligible
card.
You and Your means an enrolled cardholder who has charged their monthly cellular wireless phone bill to
their covered card.
Additional provisions for Cellular Telephone Protection
• Signed or pinned transactions are covered as long as You use Your eligible account to secure the
transaction.
• 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. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #CELLPHONE – 2021 (04/21) CP-O
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For more information about the benefit described in this guide, call the Benefit Administrator
at 1-866-894-8569 or outside the U.S. call collect at 1- 303-967-1096.
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Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen,
and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto Rental
Collision Damage Waiver. Auto Rental Collision Damage Waiver reimburses You for damages caused by
theft or collision -- up to the Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver
covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to
any other driver’s car or the injury of anyone or anything is not covered. Rental periods of fifteen (15)
consecutive days within Your country of residence, and thirty-one (31) consecutive days outside it, are both
covered. (Longer rental periods, however, are not covered.)
You are eligible for this benefit if Your name is embossed on an eligible card issued in the United States and
You use it to initiate and complete Your entire car rental transaction. Only You as the primary car renter and
any additional drivers permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works with other insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and
substantiated by the auto rental company, administrative fees and reasonable and customary towing charges,
due to a covered theft or damage to the nearest qualified repair facility.
If You do have personal automobile insurance or other insurance that covers theft or damage, this benefit
reimburses You for the deductible portion of Your car insurance or other insurance, along with any
unreimbursed portion of administrative and loss-of-use charges imposed by the car rental company, as well
as reasonable towing charges while the car was Your responsibility.
If You do not have personal automobile insurance or any other insurance, the benefit reimburses You for
covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as
reasonable towing charges that occur while You are responsible for the vehicle.
If You are renting outside of Your country of residence, the coverage provided under this benefit is primary
and reimburses You for covered theft, damage, or administrative and loss-of-use charges imposed by the
rental company, as well as reasonable towing charges that occur while You are responsible for the vehicle.
How to use Auto Rental Collision Damage Waiver
1. Use Your card to initiate and complete Your entire car rental transaction.
2. Review the auto rental agreement and decline the rental company’s collision damage waiver
(CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your
benefit. If the rental company insists that You purchase their insurance or collision damage waiver,
call the Benefit Administrator for assistance at 1-800-348-8472. Outside the United
States, call collect at 1-804-673-1164.
Before You leave the lot, be sure to check the car for any prior damage.
This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and it
terminates when the rental company reassumes control of their vehicle.
This benefit is available in the United States and most foreign countries (with the exception of Israel,
Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where
precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when
prohibited by individual merchants. Because regulations vary outside the United States, check with
Your auto rental company and the Benefit Administrator before You travel, to be sure that
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Auto Rental Collision Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benefit, they consist of: expensive, exotic, and antique cars; cargo
vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines;
and recreational vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar,
Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected
models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are
covered.
An antique car is defined as one that is over twenty (20) years old, or one that has not been manufactured for
ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine (9)
people, including the driver) are covered.
If You have questions about a specific vehicle’s coverage or organization where the vehicle is
being reserved, call the Benefit Administrator at 1-800-348-8472, or call collect outside the
United States at 1-804-673-1164.
Related instances & losses not covered
• Any obligation You assume under any agreement (other than the deductible on Your personal auto
policy)
• Any violation of the auto rental agreement or this benefit
• Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived, or paid by the auto rental company, or its insurer
• The cost of any insurance, or collision damage waiver, offered by or purchased through the auto
rental company
• Depreciation of the Rental Vehicle caused by the incident including, but not limited to, “diminished
value”
• Expenses reimbursable by Your insurer, employer, or employer’s insurance
• Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol,
intoxicants, or drugs, or due to contraband, or illegal activities
• Wear and tear, gradual deterioration, or mechanical breakdown
• Items not installed by the original manufacturer
• Damage due to off-road operation of the Rental Vehicle
• Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion,
insurrection, or terrorist activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of covered vehicles
• Rental periods that either exceed, or are intended to exceed, fifteen (15) consecutive days, within
Your country of residence, or thirty-one (31) days outside Your country of residence
• Leases and mini leases
• Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in
protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving the
car running and unattended)
• Theft or damage reported more than forty-five (45) days* after the date of the incident
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• Theft or damage for which a claim form has not been received within ninety (90) days* from the date
of the incident
• Theft or damage for which all required documentation has not been received within three hundred
and sixty-five (365) days after the date of the incident
• Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland,
or Northern Ireland
• Losses caused by or resulting from a Cyber Incident
*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every effort to protect Your Rental Vehicle from damage or
theft. If You have an accident, or Your Rental Vehicle has been stolen, immediately call the Benefit
Administrator at 1-800-348-8472 to report the incident, regardless of whether Your liability has been
established. Outside the United States, call collect at 1-804-673-1164.
You should report the theft or damage as soon as possible but no later than forty-five (45) days from the
date of the incident.
The Benefit Administrator reserves the right to deny any claim containing charges that would not have been
included, if notification occurred before the expenses were incurred. Thus, it’s in Your best interest to notify
the Benefit Administrator immediately after an incident. Reporting to any other person will not fulfill this
obligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return the Rental Vehicle, ask Your car rental company for
the following documents:
• A copy of the accident report form
• A copy of the initial and final auto rental agreements (front and back)
• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
• A police report, if obtainable
• A copy of the demand letter which indicates the costs You are responsible for and any amounts that
have been paid toward the claim
Submit all of the above documents from the rental company, along with the following documents, to the
Benefit Administrator:
• The completed and signed Auto Rental Collision Damage Waiver claim form (Important: This must
be postmarked within ninety (90) days* of the theft or damage date, even if all other required
documentation is not yet available – or Your claim may be denied).
• A copy of Your monthly billing statement (showing the last 4 digits of the Account number)
demonstrating that the entire rental transaction was made on Your eligible Account.
• A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if
applicable), or other reimbursement showing the costs for which You are responsible, and any
amounts that have been paid toward the claim. Or, if You have no applicable insurance or
reimbursement, a statement of no insurance or reimbursement is required.
• A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your
deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits,
effective dates, and deductibles).
• Any other documentation required by the Benefit Administrator to substantiate the claim.
Finally, please note that all remaining documents must be postmarked within three hundred and sixty-five
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(365) days* of the theft or damage date or Your claim may be denied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit
www.eclaimsline.com
Finalizing Your claim
Your claim will typically be finalized within 15 (fifteen) days, after the Benefit Administrator has received all
the documentation needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or
damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to You.
You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and
remedies.
Definitions
Account means Your credit or debit card Accounts.
Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market value,
age and condition at the time of loss.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve
or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or Rental Vehicle;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or Rental Vehicle;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or directed
against Your Digital Data or Rental Vehicle;
(d) restriction or inhibition of access to or directed against Your Digital Data or Rental Vehicle;
(e) computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on a Rental
Vehicle during the manufacturing process, upgrade process, or normal maintenance
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including systems
and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or
any other repositories of computer software which are used with electronically controlled equipment. Digital
Data shall include the capacity of a Rental Vehicle to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.
Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental Vehicle
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from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the
responsibilities of all parties under the contract.
Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating
organization’s disclosure statement which the eligible renter has rented for the period of time shown on the
Rental Car Agreement and does not have a manufacturer’s suggested retail price exceeding the amount
shown on the participating organization’s disclosure statement
You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car
transaction.
Additional provisions for Auto Rental Collision Damage Waiver
• Signed or pinned transactions are covered as long as You use Your eligible Account to secure the
transaction.
• 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. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any
case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than two
(2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the
Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to
the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment
made to You. You must give the Benefit Administrator all assistance as may reasonably be required
to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-348-8472, or call collect outside the U.S. at 1-804-673-1164.
FORM #ARCDW – 2021 (Stand 04/21) ARCDW-O
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Roadside Dispatch®
For roadside assistance, call 1-800-847-2869
What is Roadside Dispatch?
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with
security and
convenience wherever your travels take you.
No membership or pre-enrollment is required. No annual dues. No limit on usage.
For a set price per service call, the program provides:
•
Standard Towing – Up to 5 miles included1
•
Tire Changing – must have good, inflated spare
•
Jump Starting
•
Lockout Service (no key replacement)
•
Fuel Delivery – up to 5 gallons (plus the cost of fuel)
•
Standard Winching
Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone
with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel
you are in an
unsafe location – Roadside Dispatch will advise you to hang up and dial 911. If you are not
able to dial 911, they will call
the non-emergency police number in your area, and will remain on the
phone with you at your request
until the police arrive.) You have the convenience of one toll-free phone
number and you may save
money because their rates are pre-negotiated.
Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership
or
pre-enrollment is required. Just call Roadside Dispatch toll-free when you need them.
1-800-847-2869 ~ it’s that easy!
Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be
accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Current
fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call
fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be
discontinued at any time without prior notice. Program void where prohibited.
1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles
that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT
covered under this program.
Additional Terms: Service providers supplying emergency roadside assistance and towing are
independent contractors and are solely liable for their services. Neither Visa nor MRV Banks shall
have any responsibility or liability in connection with the rendering of the service. Emergency
roadside assistance and towing may not be available in areas not regularly traveled, nor in other
“off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and
availability of service may affect assistance responses. Expectations for dispatch are set with the
customer on every call, and an expected estimated time of arrival is provided to the customer
regardless of their location; however, neither Visa nor MRV Banks provides any assurances as to
the ability of the service provider to meet such estimates. You are responsible for any roadside
assistance or towing charges incurred by facilities responding to your request even if you are not
with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services
provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country
Motor Club of California, Inc. a California corporation.
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Travel Emergency Assistance Services
Emergencies can escalate quickly when You are traveling away from home. Something that is relatively
straight forward when You are not traveling, like replacing prescription medication, can be a difficult task
when You are dealing with local laws or language barriers.
Travel and Emergency Assistance Services are made available to help You in case of an emergency while You
are traveling away from home. The Benefit Administrator can connect You with the appropriate local
emergency and assistance resources available, 24 hours a day, 365 days a year.
Please note that due to occasional issues such as distance, location, or time, neither the
Benefit Administrator nor its service providers can be responsible for the availability, use,
cost, or results of any medical, legal, transportation, or other services.
What are Travel and Emergency Assistance Services and how do I use these services when I
need them?
Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible
card issued in the United States. Your spouse and children (dependents under 22 years old) are also eligible
to use these services.
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.
To use the services, simply call the toll-free, 24-hour Benefit Administrator line at 1-800-992-6029.
If You are outside the United States, call collect at 1-804-673-1675.
What are the specific services and how can they help me?
• Emergency Message Service – can record and relay emergency messages for travelers or
their immediate family members. The Benefit Administrator will use reasonable efforts to relay
emergency messages in accordance with benefit 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
Benefit Administrator can give You names of local 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 personal account. All costs are Your
responsibility.
• Legal Referral Assistance – can arrange contact with English-speaking attorneys and U.S.
embassies and consulates if You’re detained by local authorities, have a car accident, or need
legal assistance. In addition, the Benefit Administrator can coordinate bail payment from Your
personal account. The Benefit Administrator can also follow up to make sure bail has been
properly handled. 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 includes arranging to
bring Your Young children home and helping You stay in contact with family members or
employers during the emergency. In the case of a death, the Benefit Administrator can make
arrangements to repatriate the remains. All costs are Your responsibility.
• Emergency Ticket Replacement – helps You through Your carrier’s lost ticket
reimbursement process and assists in the delivery of a replacement ticket to You, should You lose
Your ticket. 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
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Your checked luggage. You are responsible for the cost of any replacement items
shipped to You.
• Emergency Translation Services – provides telephone assistance in all major languages and
helps find local interpreters, if available, when You need more extensive assistance. All costs
are Your responsibility.
• Prescription Assistance and Valuable Document Delivery Arrangements – can help You fill
or replace prescriptions, subject to local laws, and can arrange pickup and delivery of Your
prescriptions filled for You at local pharmacies. It can also help transport critical documents that
You may have left at Your home or elsewhere. All costs are Your responsibility.
• Pre-Trip Assistance – can give You information on Your destination before You leave such as
ATM locations, currency exchange rates, weather reports, health precautions, necessary
immunizations, and required passport visas.
Definitions
Common Carrier means any mode of transportation by land, water or air operating for hire under a
license to carry passengers for which a ticket must be purchased prior to travel. Does not include taxi,
limousine service, commuter rail or commuter bus lines.
You or Your means an eligible person whose name is embossed on an eligible U.S. issued card, and You
reside in the United States.
Additional Provisions for Travel and Emergency Assistance Services
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in
this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and
conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages
or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose
accounts have been suspended or cancelled. Termination dates may vary by financial institutions. Your
financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You
at least thirty (30) days in advance.
For more information about the benefit described in this guide, call the Benefit Administrator
at 1-800-992-6029, or call collect outside the U.S. at 1-804-673-1675.
FORM #VTEAS – 2023 (Stand 09/23) TEAS-O
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Visa Signature® Luxury Hotel Collection (VLHC)
Get special attention and a premium collection of benefits when you travel
The Visa Signature Luxury Hotel Collection delivers a premium collection of benefits. Reserved for Visa
Signature cardholders, this set of benefits is designed to help ensure guests have an unparalleled experience*:
1. Best available rate guarantee
2. Automatic room upgrade upon arrival, when available
3. Complimentary in-room Wi-Fi, when available
4. Complimentary breakfast for two
5. $25 USD food or beverage credit
6. VIP guest status
7. Late check-out upon request, when available
A selection of superior properties — including brands like Peninsula, Park Hyatt and ShangriLa — comprise
the Visa Signature Luxury Hotel Collection. From boutique gems to world famous resorts, each hotel is
evaluated annually to help ensure it continues to meet the highest standards.
Visit the Visa Signature Luxury Hotel Collection website to view detailed information on all properties. Your
benefits are activated automatically when you book through the site. Get more details and choose a hotel at
VisaSignatureHotels.com.
Card Eligibility
Only eligible U.S. Visa Signature cardholders may book hotels at VisaSignatureHotels.com and receive
special Visa premium card benefits*.
*Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel,
the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a
standard feature of the room being booked. In those cases, the hotel may or may not provide a substantial
benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be
booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply.
Please consult the terms and conditions for each property.
Best Available Rate Guarantee
The best publicly available rates are guaranteed whenever you book with the Visa Signature Luxury Hotel
Collection. If you find a lower room rate† on another website within 24 hours of making a booking with us,
we will match the rate.
†The lower rate found must:
• Have identical booking requirements and policies for payment and cancellation as your Visa
Signature Luxury Hotel Collection booking
• Be for the same hotel, room type, stay dates/length and number of guests
• Be publicly viewable and verifiable on the other website
Full terms & conditions are below.
To make a claim, simply complete our Best Rate Guarantee online claim form within 24 hours of making a
booking with us. We will review your claim and contact you within 48 hours.
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Please note: Hotel cancellation policies vary greatly. Many of our hotels are flexible and allow cancellation
up to 24 hours in advance of your stay. The Visa Signature Luxury Hotel Collection understands that
sometimes travel plans change, and therefore does not charge additional change or cancel fees.
Best Available Rate Guarantee Terms & Conditions:
The Visa Signature Luxury Hotel Collection guarantees the best publicly available rates for all of our hotels,
subject to the following terms and conditions:
• The Best Available Rate Guarantee online claim form must be completed in full within 24 hours
of making your Visa Signature Luxury Hotel Collection booking.
• Claim must include the lower rate and exact link (URL) where it can be confirmed.
• The following rates do not qualify:
o Pre-paid, non-cancellable, and/or non-refundable rates
o Rates available on auction or flash sale websites like (but not limited to) Priceline or
Hotwire
o Reward program rates, corporate/group rates, government rates and/or other rates not
available to the general public
o Packaged rates that include the room with other travel and/or entertainment goods and
services such as (but not limited to) airline tickets, car rentals or show tickets
• If the lower rate is verified, your nightly rate will be adjusted to reflect it.
• The Visa Signature Luxury Hotel Collection has the sole right to determine the validity of any
claim.
• The Visa Signature Luxury Hotel Collection has the discretion to determine if a competing rate is
genuinely available.
• In the case of a dispute, the Visa Signature Luxury Hotel Collection’s decision is final.
• The Visa Signature Luxury Hotel Collection reserves the right to modify this Best Available Rate
Guarantee at any time.
Automatic room upgrade upon arrival
Upon availability at check-in, you will be upgraded to the next highest room class for the duration of your
stay.
Complimentary in-room Wi-Fi
Upon check-in you will be provided with complimentary in-room Wi-Fi, if available, for the duration of your
stay.
Complimentary continental breakfast daily
For the length of your stay, you and one guest will receive complimentary continental breakfast daily. If the
hotel does not offer continental breakfast, they will offer another dining or other benefit of equal value based
on local market rate.
$25 U.S. Dollars (USD) food or beverage credit
During your hotel stay you will receive a $25 USD credit at check out. Limit of one $25 credit per room, per
stay. A stay is defined as consecutive nights spent at the same hotel, regardless of check-in/checkout activity.
Any charges over and above the credit described above will be applied directly to your account to settle upon
departure. Credit has no cash value and is not valid on room rate or third party services.
VIP guest status
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As a guest through the Visa Signature Luxury Hotel Collection, you will be recognized within the hotel as a
VIP guest. VIP guest services and amenities differ by property.
3PM check-out upon request
Late check-out is available upon request, upon availability by the hotel. At the time of check-in, or during the
course of your stay, you may contact the front desk and request late check-out up to 3PM.
FAQs
Q: What is the Visa Signature Luxury Hotel Collection?
A: The Visa Signature Luxury Hotel Collection is a card benefit for Visa Signature cardholders worldwide.
This benefit offers eligible cardholders seven amenities while staying at any of our 900+ hotel partners
around the world: Best available rate guarantee; Automatic room upgrade upon arrival, when available;
Complimentary in-room Wi-Fi, when available; Complimentary breakfast for two; $25 USD food or beverage
credit; VIP Guest status; Late check-out upon request, when available. To receive these benefits, you must
use an eligible U.S.-issued Visa Signature card to book and pay for your entire stay on the Visa Signature
Luxury Hotel Collection website. See full Terms & Conditions for more details.
Q: What credit cards are eligible for this hotel program?
A: Authorized cardholders who hold an eligible U.S.-issued Visa Signature card and are in good standing can
book the Visa Signature Luxury Hotel Collection. The Visa Signature Luxury Hotel Collection offer is valid
only when you book and pay for your stay with a valid, eligible Visa Signature card on the Visa Signature
Luxury Hotel Collection website.
Q: How do I book a hotel in the Visa Signature Luxury Hotel Collection?
A: To make a reservation at a hotel in the Visa Signature Luxury Hotel Collection, please visit
visasignaturehotels.com, or call Visa Signature Concierge.
Q: If I book a reservation directly with the hotel, will I still receive the seven benefits?
A: No. You must make your reservation either on a Visa Signature Luxury Hotel Collection website or
through Visa Signature Concierge.
Q: How does the best available rate guarantee work?
A: With all of our Visa Signature Luxury Hotel Collection properties, we guarantee the best publicly available
rate. If you find a lower rate available to the general public on an unrestricted website that has the same
payment and cancellation policies, we’ll match it. Simply complete and submit the online claim form within
24 hours of making a booking. Additional terms and conditions can be found at
visaSignaturehotels.com/about/benefits.
Q: When will I be charged?
A: The hotel will charge your eligible Visa Signature card at the time of check-out unless otherwise indicated
during the reservation process. All reservations, cancellations and modifications are subject to the hotel’s
rules and policies.
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Q: Do you charge service fees?
A: No, there are no service fees associated with using our online Visa Signature Luxury Hotel Collection
reservation system or for booking your reservation through Visa Signature Concierge.
Q: Who do I contact if I have a special request during my stay?
A: Please contact Visa Signature Concierge or the hotel directly if you have a special request during your stay.
Individual hotel phone numbers can be found on your confirmation email. The hotel will attempt to
accommodate any requests but cannot guarantee that all requests will be honored.
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Visa Signature® Golf Benefit by Troon®
Enjoy special offers and elevated reward status with Coign Visa Signature® at Troon
Save on golf tee times, merchandise and instruction with your Coign Visa Signature® card. Your card entitles
you to automatic Silver Status and 10% off when you sign up for Troon Rewards®. Coign Visa Signature
cardholders with existing Troon Rewards memberships will be automatically upgraded one status level.
Certain restrictions apply. See complete Troon Rewards Visa Signature Benefit Terms & Conditions [below].
Visit https://www.troongolfrewards.com/visasignature/ to sign up and book tee times today.
T&CS: U.S.- issued Visa Signature credit cardholders are entitled to receive complimentary Silver status in
the Troon Rewards® program. Existing Troon Rewards members who have already attained Silver status or
higher will be upgraded to the next membership level. An eligible U.S-issued Visa Signature credit card is
required for tee time reservations. At the Silver, Gold, and Platinum membership levels, the cardholder will
be entitled to a 10%, 15% and 20% discount respectively on golf fees reserved on the Visa Signature Troon
website or on merchandise purchases made at the golf properties when using their Visa Signature credit card.
Troon, Visa or its issuers or any of its concierge providers are not responsible for any claims or damages
arising from this offer. By reserving through Troon, the cardholder consents to be bound by all the terms and
conditions, as stated herein. Troon and Visa reserve the right to modify or cancel this offer at any time
without notice.
Limitation of Liability (LOL): Participant agrees to comply with all applicable venue regulations with
respect to the offer. In redeeming this offer, participant, on behalf of himself/herself and his/her immediate
family members (spouse, parents, children and siblings and their spouses) and individuals living in the same
households of such participants, whether or not related, agrees to release and hold harmless officers,
directors, employees, agents, and assigns of Coign, Troon, Visa Inc., Visa U.S.A. Inc., Visa International
Service Association, Qualfon Inc. and their respective parents, subsidiaries, successors, affiliates, and related
companies, client financial institutions, prize suppliers, and advertising, promotion and marketing agencies,
including International Merchandising Company LLC, (collectively, the “Released Parties”) from any and all
liability or damage of any kind (including personal injury) resulting from or arising from participation in the
event or acceptance, possession, use, misuse or nonuse of the offer (including any travel or travel-related
activity thereto).
FAQs
Q: What is this benefit?
A: Visa Signature cardholders are entitled to receive complimentary Silver status in the Troon Rewards
program. Existing Troon Rewards members who have already attained Silver status or higher will be
upgraded to the next membership level. With the Silver, Gold and Platinum membership levels, the
cardholder will be entitled to a 10%, 15% and 20% discount respectively on golf fees reserved on the Visa
Signature Troon website or on merchandise purchases made at the golf properties when using their Visa
Signature credit card.
Reservations must be made on the Visa Signature Troon website using a Visa Signature credit card.
Additional requirements are outlined in the complete Troon Visa Signature Offer Terms & Conditions,
available at www.troongolfrewards.com/visaSignature/.
Q: How do I participate in this benefit?
A: You can participate in this benefit by completing the following steps: Visit
www.troongolfrewards.com/visaSignature/.
1. Enter all 16 digits of your Visa Signature credit card number to verify you are eligible for the
Troon Golf benefit. The card number is used for verification of eligibility for the offer. Your
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information is transmitted over high-level encryption (SSL) and is not used for any other
purposes.
2. Once you are verified, you may choose to either enroll in Troon Rewards.
3. If you enroll in Troon Rewards or have already enrolled, you may also reserve a tee time at
the Troon daily fee courses at which you receive a discount based on your Troon Rewards status.
Use your Visa Signature credit card to complete the reservation request.
Q: How do I know if I have an eligible Visa card?
A: If you are unsure if your credit card is eligible for the Troon Golf benefit, please contact Customer Service
by calling the phone number on the back of your Visa Signature credit card.
Q: Why do I have to enter my entire 16-digit card number at
www.troongolfrewards.com/visaSignature/? How will Visa use this information?
A: Visa will use your 16-digit Visa card number for the following purposes:
• To validate that you are a Visa Signature credit cardholder that is eligible for this offer.
• To track overall use of the Troon Golf benefit so that Visa can evaluate whether to offer more
programs like these in the future.
Q: Why am I receiving an error message?
A: You may be receiving an error message for one or more of the following reasons:
• You are not entering a valid Visa Signature credit card number.
• You may have a new Visa Signature credit card that has not yet been added to our validation
system.
• Please contact Customer Service to confirm your eligibility for the Troon Golf benefit.
Q: Can I use another credit or debit card to pay for this purchase?
A: No. To receive the Troon Golf benefit, you must use your valid Visa Signature credit card to pay for your
reservation.
Q: What does the Troon Rewards discount apply to?
A: Please visit http://www.troongolf.com/troon-rewards-faqs.html for a full explanation of the Troon
Rewards discount program.
Q: Which golf courses are available to select from?
A: A list the daily fee courses at which Visa Signature cardholders who have enrolled in the Troon Rewards
benefit receive discounts, may be found at www.troongolfrewards.com/visaSignature/
Q: How many times may I use the discount in any given year?
A: Eligible Visa Signature credit cardholders use the general Troon Rewards discount an unlimited number
of times, as long as they remain eligible and as long as they meet the offer terms and conditions.
Q: I just reserved a tee time using my Visa Signature credit card on another site. May I apply
the discount on this reservation?
A: No, the Troon Golf benefit is only valid for reservations made on the Visa Signature Troon website
(www.troongolfrewards.com/visaSignature/). The benefit is not retroactive and may not be applied to
previously made reservations.
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Q: Whom do I contact if I’m having an issue with the Troon Golf Benefit?
A: All service-related questions should be directed to the Troon Concierge at 1.888.876.6687
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Visa Signature® Concierge
A complimentary, personal assistance service awaits Visa Signature cardholders 24/7 at (800) 953-7392 or
(630) 350-4551 (outside of the USA). Our concierges will do their best to assist you with all types of travel,
dining, and entertainment requests.
Your Coign Visa Signature card helps you enjoy the things you love with complimentary Visa Signature®
Concierge* service 24 hours a day, wherever you are. Simply call (800) 953-7392 for assistance booking
flights, hotels, ground transportation, event tickets and more—even dinner reservations or golf tee times.
It’s the perfect way to get the most out of every benefit your Visa Signature card provides— from
unforgettable travel around the world to once-in-a-lifetime dining, sports and shopping experiences.
Call the Visa Signature® Concierge* anytime at (800) 953-7392. For calls outside the United States, call us
collect at (630) 350-4551.
*Coign cardholders are responsible for the payment of any and all charges associated with any goods,
services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’
behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant,
and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of
service at Visa Concierge Terms of Service | Visa.
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GigSky
GigSky helps people stay connected all around the world. Through the GigSky app, users can choose a single
data plan where and when they want. Select a plan from the app, download an eSIM and connect on the spot
– no physical card is required.
With the Gigsky benefit for Visa cardholders, issuers can choose to provide a variety of GigSky plans with
different data amounts and usage durations to international travelers through their eligible Visa card.
Visa Signature® cardholders are available for the three variations of GigSky benefit:
• 1GB/15-Day
• 5GB/30-Day
• 15GB/30-Day
Stay connected in over 125 countries
Get complimentary GigSky global mobile data for compatible devices with your Coign Visa Signature® card.
Say goodbye to roaming charges and hello to complimentary GigSky global mobile data with your new Coign
Visa Signature® card. On compatible eSIM devices*, stay connected in over 125 countries without having to
worry about roaming charges ever again. With fast and reliable internet access, you’ll never have to search for
Wi-Fi hotspots or purchase expensive local SIM cards. Travel far and wide and stay securely connected with
your Coign Visa Signature® card. Apply today, book your travel and leave the hassle and cost of roaming
charges behind. Experience the world with Visa and GigSky.
Apply for the Coign Visa Signature® card and get complimentary GigSky global mobile data today. See terms
below for more details.
Terms & Conditions
These GigSky plan options offer (these “Offer Terms”) apply to the promotional offer (the “Promotion”)
made available to certain holders of an eligible Visa® branded credit card (an “Eligible Card”). Your
redemption of any Promotional Plan (as defined below) constitutes your acceptance of these Offer Terms.
You further acknowledge that any Promotional Plan continues to be subject to the standard GigSky Terms
of Service (the “Privacy Policy”) to which you have already agreed. Capitalized terms used herein but not
otherwise defined herein shall have the meaning ascribed such terms under the GigSky Terms.
Definitions
1. “Account Holder” or “you” means the person who has opened an account with GigSky and is
eligible for this Promotion.
2. “Promotional Plan” means any data plans or service provided to the Account Holder pursuant to
this Promotion.
Description of Promotion
1. Participation in the Promotion requires that you have an Eligible Card issued in your name, that
your Eligible Card account is in good standing, and that you add such Eligible Card as the default
payment method in the GigSky App.
2. Once you have added the Eligible Card as the default payment method in the GigSky App, you will
be shown any Promotional Plans you are eligible for and you will be given the option to redeem one
or more Promotional Plans.
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3. When redeeming a Promotional Plan, the GigSky App will identify the following terms related to
your Promotional Plan: the amount of included data service, eligible countries and the maximum
length of the plan. Any usage above the limited outlined in the Promotional Plan will require
redeeming and activating another Promotional Plan (if you are eligible) or purchasing another
Service Plan with GigSky.
4. Once redeemed, a Promotional Plan will be automatically activated once your eSIM is activated in
a country covered by the Promotional Plan. Notwithstanding the foregoing, any redeemed
Promotional Plan will be automatically activated thirty (30) days following the date of redemption.
Other Terms of Promotion:
1. The Promotion is solely offered by GigSky, Inc. (GigSky), and Visa is not providing any
Promotional Plans or GigSky Products hereunder.
2. GigSky reserves the right to terminate your Promotional Plan if you no longer hold an Eligible
Card or such Eligible Card is no longer in good standing.
3. GigSky reserves the right to terminate the Promotion or any Promotional Plan or change the terms
of the Promotion or Promotional Plan at any time and without notice and in its sole and absolute
discretion.
4. The Promotion is personal and non-transferable. This Promotion cannot be combined with other
discounts and/or promotions and is not redeemable for cash.
5. The Promotion is void where prohibited by applicable law.
6. GigSky reserves the right to deny you participation in the Promotion if GigSky suspects abuse or
misuse of the Promotion, in its sole discretion.
7. You agree and acknowledge that GigSky may share your personal information with Visa and your
credit card issuing bank in connection with redemption of the Promotion and use of a Promotional
Plan.
FAQ’s
What is GigSky?
When traveling internationally, your cardholders can get data coverage almost anywhere they go with Visa
and GigSky.
GigSky is a simple solution for keeping people, teams and devices connected around the globe. Eligible Visa
cardholders can now use the GigSkey app to access complimentary global mobile data when and where they
want, in over 125 countries worldwide.
Select a plan from the app, download an eSIM and connect on the spot — no physical SIM card required.
They won’t have to deal with frustrating roaming charges from their home mobile carrier, and they can say
goodbye to slow international 2G.
Who is eligible for this offer?
All Coign credit cardholders are eligible to receive a complimentary GigSky data plan while traveling outside
the U.S. in over 125 countries. To see the current list of participating countries, please click here
What GigSky data plan will I receive with my eligible U.S. Coign Visa Card?
Coign Visa credit cardholders are eligible for a complimentary GigSky data plan while traveling outside the
U.S. in over 125 countries, for their eSIM-capable devices.
Once I’ve received by complimentary GigSky data plan, how long do I have before I have to
activate it?
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Upon receiving a complimentary GigSky data plan at checkout in the GigSky app, cardholders have up to 30
days to activate it by connecting to the GigSky mobile network. At the end of this 30-day period, the GigSky
plan is automatically activated.
When does my data plan start? Is it at the time of receiving the complimentary data plan or
does it start once the GigSky plan is activated?
The GigSky data plan 15 or 30 day duration will commence after the plan is activated. Keep in mind you have
up to 30 days upon receiving your complimentary data plan at checkout in the GigSky app before it is
automatically activated.
Can authorized users on my Coign Visa credit card account also get this benefit?
Offer may only be redeemed once per unique card number by the primary cardholder or authorized user,
whoever activates first.
How do I receive my complimentary GigSky data plan?
Eligible Coign Visa cardholders must install the GigSky app on an unlocked eSIM-capable device, create a
GigSky account and set up their eligible Visa card as the default payment method to access this benefit.
What happens once my complimentary GigSky mobile data plan ends or if I have used all the
available data?
In the event you have used all your allotted data on the complimentary GigSky data plan prior to the end of
the 15-/30 day plan duration, you can still purchase an additional GigSky plan as needed. If your
complimentary plan expired before you were able to consume your allotted data, you are eligible to receive
additional complimentary GigSky data plans when using your Coign Visa credit card. Only one GigSky
complimentary data plan can be active at any given time.
I have an existing GigSky data plan. Can I stack my complimentary GigSky data plan onto the
existing GigSky data plan?
Unfortunately, this plan cannot be stacked onto an existing GigSky data plan, but eligible Coign Visa
cardholders will be able to receive a complimentary GigSky data plan and then can choose to either continue
using their GigSky plan until it expires/runs out of data or transition immediately to their complimentary
GigSky data plan.
Where can I find the end date for my complimentary GigSky Plan?
The plan will indicate whether it is a 15 or 30-day plan. The duration and end date will commence once your
plan is activated. Keep in mind you have up to 30 days upon receiving your complimentary data plan is
automatically activated and the number of days remaining on an activated plan in the plan dashboard found
on the home screen of the GigSky App.
What happens if I use a different card than my default payment card to receive my
complimentary GigSky data plan?
If you complete your order purchase with a payment method other than the Coign Visa credit card set as the
default payment method, you will no longer be eligible for a complimentary GigSky data plan and you will
have to pay the retail price for one of GigSky’s plans.
What happens if you have multiple cards saved on my profile?
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You can have multiple cards saved on your account. Keep you Coign Visa credit card set as your default
payment method.
My credit card was recently stolen or lost. I now have a new credit card number, what is going
to happen to my benefit?
Don’t worry! In order to retain the benefit all you need to do is log in to your GigSky account and set your
default payment method to your new qualifying Coign Visa credit card.
I use Apply Pay, Google Pay, or Samsung Pay as my default payment method, will I still qualify
for the complimentary GigSky data plan if I default to a Visa card in my digital wallet?
In order to determine eligibility for the complimentary GigSky data plan, we will need to set up your eligible
Visa card directly into the GigSky app as the default payment method outside of Apple Pay, Google Pay or
Samsung Pay.
Where can I find more information on using GigSky?
More information including where to download the GigSky app, what device are eSIM-compatible, how
GigSky works, and other information can be found here.
I have a Coign Visa Signature Card but can’t see my complimentary GigSky Visa data plan.
Whom do I contact?
Check the list of eligible Visa cards on the GigSky VISA landing page or in the GigSky app. If your card is
listed but you are not able to see the complimentary GigSky Visa data plan, reach out to GigSky care. If your
card is not listed, please contact your card issuer.
I need help with my GigSky data plan. Whom do I contact?
GigSky Care
Via email at: support@gigsky.com
Via phone at: +1 650 924 9022 (US) OR +44(0)203 608 0394 (United Kingdom)
*An eSIM – also known as an embedded SIM – is built straight into many modern smartphone devices. The
eSIM makes it possible to add a secondary service, such as GigSky, to that phone. For a list of phones
compatible with the GigSky app, visit: https://www.gigsky.com/devicecompatibility.
