8 9
2
3 4
• Traveler’s checks, cash, tickets, credit or debit cards, and any other negotiable
instruments
• Used or pre-owned items
Extended Protection
What does Extended Protection cover?
E
xtended Protection doubles the time period of the original manufacturer’s written U.S.
warranty up to one (1) additional year on warranties of three (3) years or less up to a
maximum of ten thousand dollars ($10,000.00) per claim. Extended Protection also
o
ffers you valuable features, including Warranty Registration and Extended
Warranty Protection.
W
arranty Registration service helps you take full advantage of your warranties
because you can get key coverage information with a single, toll-free call. And by sending
the Benefit Administrator your sales receipts and warranty information, you’ll have peace
o
f mind knowing all of your purchases are registered and on file.
Although Warranty Registration is not
required for Extended Warranty Protection
b
enefits, you are encouraged to take advantage of this valuable service. When arranging
for a repair or replacement, instead of searching for critical documents, you can just
pick up the phone and call the Benefit Administrator.
W
hat is not
c
overed by Extended Protection?
•
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
•
Computer software
• Medical equipment
• 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
o
peners, and ceiling fans
• Rented or leased items, or items purchased on an installment plan and for which the
e
ntire purchase price was not paid in full at the time of the occurrence
•
Used or pre-owned items
Frequently Asked Questions
Are gifts covered?
Yes, as long as you purchased the gift with your eligible Visa Business card, and it meets
t
he terms and conditions of coverage.
A
re purchases made outside the United States covered?
• Purchase Security Yes, as long as you purchased the item entirely with your eligible
V
isa Business card and the eligible item meets the terms and conditions of coverage.
• Extended Protection Yes, as long as you purchased the item entirely with your eligible
Visa Business card and the eligible item has a valid original manufacturer’s written
U
.S. repair warranty or assembler warranty of three (3) years or less.
Do I need to register my purchases?
No. Your eligible purchases are automatically covered.
Should I keep copies of receipts or any other records?
• Purchase Security Yes. If you want to file a claim, you will need copies of your eligible
V
isa Business card receipt and your itemized store receipt.
• Extended Protection Yes. If you want to file a claim, you will need copies of your
eligible Visa Business card receipt, your itemized store receipt, the original
m
anufacturer’s written U.S. warranty and any other applicable warranty.
Filing a Purchase Security and Extended Protection Claim
How do I file a claim?
• Call the Benefit Administrator at 800.VISA.911, or call collect outside the U.S.
at 303.967.1096 within sixty (60) days of the theft or damage. The Benefit
A
dministrator will ask for some preliminary claim information, answer your questions
and send you a claim form.
Your Guide to Benefits describes the benefits in effect as of April 1, 2014. Benefit
i
nformation 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
i
nstitution.
Purchase Security and
Extended Protection
What are these benefits?
P
urchase Security and Extended Protection automatically protect many new retail
purchases that you make with your eligible Visa Business card. The benefits—available
at no additional charge—protect your eligible purchases in two ways:
•
Purchase Security Purchase Security covers eligible items of personal property
purchased entirely with your Visa Business card from theft or damage for the first
ninety (90) days after purchase. Purchase Security will, at the Benefit Administrator’s
d
iscretion, replace, repair or reimburse you up to the original purchase price, not
exceeding a maximum of ten thousand dollars ($10,000.00) per claim and fifty
thousand dollars ($50,000.00) per cardholder.
• Extended Protection Extended Protection doubles the time period of the original
manufacturer’s written U.S. warranty up to one (1) additional year on warranties of
t
hree (3) years or less up to a maximum of ten thousand dollars ($10,000.00) per claim
and fifty thousand dollars ($50,000.00) per cardholder.
Who is eligible for these benefits?
You are eligible if you are a valid cardholder of an eligible Visa Business card issued in
the United States.
Purchase Security
What does Purchase Security cover?
Purchase Security covers eligible items of personal property you purchase entirely with
y
our eligible Visa Business card.
What is not
covered by Purchase Security?
• 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 that can be towed by or
a
ttached to any motorized vehicle
• Computer software
•
Items purchased for resale
• Items that are lost or that “mysteriously disappear,” meaning that the item(s) vanished
in an unexplained manner without evidence of a wrongful act by a person or persons
• Items under the care and control of a common carrier (including the U.S. Postal Service,
airplanes, or delivery service)
• Items including, but not limited to, jewelry and watches stored in your baggage unless
the baggage is hand-carried and under your personal supervision, or under the
s
upervision of a traveling companion whom you know
• Theft or damage resulting from abuse, fraud, hostilities of any kind (including, but not
l
imited to, war, invasion, rebellion, insurrection, or terrorist activities), confiscation by
the authorities, risks of contraband, illegal activities, normal wear and tear, flood,
earthquake, radioactive contamination, or damage from inherent product defects
•
Theft or damage resulting from misdelivery or voluntary parting with property
• Medical equipment
•
Perishables or consumables including, but not limited to, perfumes, cosmetics, and
limited-life items such as rechargeable batteries
•
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, or items purchased on an installment plan and for which the
entire purchase price was not paid in full at the time of the occurrence
• Return your completed and signed claim form with all requested documentation
within ninety (90) days of the date of theft or damage.
R
ecipients of your eligible gift items may also handle the claim process as long as they
provide all of the documents necessary to fully substantiate the claim.
P
lease Note: If you do not notify the Benefit Administrator within sixty (60) days of
the theft or damage, your claim may be denied.
For faster filing, or to learn more about Purchase Security and Extended Protection, go
t
o visa.com/eclaims.
W
hat documents do I need to submit with my claim?
All claims must be fully substantiated as to the time, place, cause, and amount of theft
o
r damage. In most cases, you will be asked to send in, at your expense, the damaged
item to substantiate a claim. Make sure you keep the damaged item in case it is
requested by the Benefit Administrator.
P
urchase Security:
•
Your completed and signed claim form
• Your Visa Business card receipt
•
The itemized store receipt
• A police report (filed within forty-eight (48) hours of the incident) in the case of
t
heft, fire report, insurance claim, loss report, or other report sufficient to determine
eligibility for benefits
• A copy of your primary insurance policy’s Declarations Page to confirm your deductible.
“
Declarations Page” means the document(s) in your insurance policy that lists names,
coverages, limits, effective dates and deductibles.
•
Documentation (if available) of any other settlement of the theft or damage
• Any other documentation deemed necessary to substantiate your claim
E
xtended Protection:
•
Your completed and signed claim form
•
Your Visa Business card receipt
• The itemized store receipt
•
A copy of the original manufacturer’s U.S. warranty and any other applicable warranty
• A description and serial number of the item and any other documentation deemed
n
ecessary to substantiate your claim. This includes bills and, if necessary, a copy of
the maintenance record and receipts.
•
The original repair order
How will I be reimbursed?
Purchase Security
If you have met the terms and conditions of the benefit, a decision will be made at
t
he Benefit Administrator’s discretion, to resolve your claim in one of two ways:
•
A damaged item (whether wholly or in part) may be repaired, rebuilt, or replaced. A
lost or stolen item may be replaced. Typically, you will be notified of the decision within
fifteen (15) days after all your claim documentation is received.
• You may be reimbursed for the eligible item, but not more than its original purchase
p
rice as shown on your eligible Visa Business card receipt, less shipping and handling
charges up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty
thousand dollars ($50,000.00) per cardholder. Under normal circumstances,
r
eimbursement will take place within five (5) business days of receipt and approval of
all required documents.
E
xtended Protection
• Once your claim has been substantiated, and the terms and conditions of the benefit
h
ave been met, the item will be repaired or replaced, at the Benefit Administrator’s
discretion, but for no more than the original purchase price of the covered items as
recorded on your eligible Visa Business card receipt, less shipping and handling charges
u
p to a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand
dollars ($50,000.00) per cardholder. Under normal circumstances, reimbursement will
take place within five (5) business days of receipt and approval of all required
d
ocuments.
• Extended Protection will pay the repair facility directly, if possible, or you may go to
a
n authorized repair facility and file a claim for reimbursement.
For questions about your account, balance, or rewards points,
please call the customer service number on your Visa Business
card statement.
Your Visa Business Card
Cardholder Benefits Guide
Purchase Security and
Extended Protection
Auto Rental Collision Damage Waiver
Travel and Emergency
Assistance Services
For more information about the benefits described in this guide, call the Benefit
Administrator at 800.VISA.911 (800.847.2911), or call collect outside the U.S. at
303.967.1096.
Bank of America, N.A. is the issuer and administrator of this credit card program.
Visa is a registered trademark of Visa International Service Association, and is used by the
issuer pursuant to license from Visa U.S.A. Inc.
© 2015 Bank of America Corporation CCI-02-15-0177.B
(05/15)
045272
<AADCBC BCABABA CD>
CCI-02-15-0177_B 6/5/15 12:07 PM Page 1
5 6 7
Please Note: Only valid and reasonable repairs made at the manufacturer’s authorized
r
epair facility are covered.
T
he Benefit Administrator’s payment, replacement, or repair made in good faith will
fulfill the obligation under the benefit.
Do I have to file with my insurance company?
Purchase Security Yes. If you have insurance (e.g., business owner’s, homeowner’s,
renter’s, or automobile), or if you are covered by your employer’s insurance, you are
r
equired 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. In some cases,
where the claim amount is within your personal insurance deductible, a copy of your
p
ersonal insurance policy Declarations Page may be sufficient.*
Extended Protection No; however, if you have purchased or received a service contract
or extended warranty, Extended Protection is supplemental to, and in excess of, that
c
overage.
* Please Note: Purchase Security provides coverage on an “excess” coverage basis.
T
hat means it does not duplicate, but pays in excess of, valid and collectible insurance
or indemnity (including, but not limited to, homeowner’s, renter’s, automobile, or
employer’s insurance policies). After all insurance or indemnity has been exhausted,
P
urchase Security will cover the theft or damage up to the amount charged to your
eligible Visa Business account and subject to the terms, exclusions, and limits of liability
of the benefit. Purchase Security will also pay for the outstanding deductible portion of
y
our insurance or indemnity for eligible claims. The maximum total limit of liability is
ten thousand dollars ($10,000.00) per claim occurrence and fifty thousand dollars
($50,000.00) per cardholder. You will receive no more than the purchase price as
r
ecorded on the Visa Business card receipt. Where a protected item is part of a pair or
a set, you will receive no more than the value (as described herein) of the particular part
or parts, stolen or damaged, regardless of any special value that the item may have as
p
art of such a pair or set, nor more than the proportionate part of an aggregate purchase
price of such pair or set. Purchase Security is not “contributing” insurance, and this “non-
contribution” provision shall take precedence over “non-contribution” provisions found
i
n other insurance or indemnity descriptions, policies, or contracts.
Additional Provisions for Purchase Security and Extended
Protection
These benefits apply only to you, the eligible Visa Business cardholder, and to whomever
r
eceives the eligible gifts you purchase with your eligible Visa Business card.
You shall use due diligence and do all things reasonable to avoid or diminish any theft
o
r damage to property protected by these benefits. 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 including, but
not limited to, the cost of repair services, no benefit shall exist for such claim and your
b
enefits may be canceled. Each claimant 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.
Once you report an occurrence, a claim file will be opened and shall remain open for six
(6) months from the date of the damage, theft or product failure. No payment will be
m
ade on a claim that is not completely substantiated in the manner required by the
Benefit Administrator within six (6) months of the date of theft or damage.
A
fter the Benefit Administrator has paid your claim of theft or damage, all your rights
and remedies against any party in respect of this theft or damage will be transferred to
the Benefit Administrator to the extent of the payment made to you. You must give the
B
enefit Administrator all assistance as may reasonably be required to secure all rights
and remedies.
N
o 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
l
egal action may be brought against the Provider unless all the terms of the Guide to
Benefits have been complied with fully.
These benefits are provided to eligible Visa Business cardholders at no additional cost.
T
he 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, or statement messages.
T
he benefits described in this Guide to Benefits will not apply to Visa Business
cardholders whose accounts have been suspended or canceled.
Termination dates may vary by financial institutions. Your financial institution can cancel
o
r non-renew the benefits for Visa Business cardholders, and if they do, they will notify
you at least thirty (30) days in advance. This information is a description of the benefit
provided to you as a Visa Business cardholder. Indemnity Insurance Company of North
A
merica (“Provider”) is the underwriter of this benefit and is solely responsible for its
administration and claims. The Benefit Administrator provides services on behalf of the
Provider.
FORM #VPSEPBUSINESSv1 – 2013 (04/14) PSEP-B
Auto Rental Collision Damage Waiver
What is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit?
The Auto Rental CDW benefit offers coverage for automobile rentals made with your Visa
B
usiness card. The benefit provides reimbursement (subject to the terms and conditions)
for damage due to collision or theft up to the actual cash value of most rental vehicles.
Who is eligible for this benefit?
You are eligible if your name is embossed on an eligible Visa Business card issued in
t
he United States or if you are authorized by your company to rent an eligible vehicle
using the company’s eligible Visa Business account, as long as the rental is purchased
entirely with the Visa Business account (“Authorized User”). Only you, as the primary
renter of the vehicle, and any additional drivers permitted by the auto rental agreement
are covered.
What losses are covered?
Covered losses are those due to theft or collision that occur while the rental vehicle is
in the control of the person authorized by the rental agreement to operate the vehicle.
Coverage ends when the auto rental company re-assumes control of the vehicle.
Covered losses include:
• Physical damage and/or theft of the covered rental vehicle
• Valid loss-of-use charges from the auto rental company
• Reasonable and customary charges to tow the vehicle to the nearest qualified
repair facility
Please Note: This benefit only covers vehicle rental periods that do not exceed or are
not intended to exceed thirty-one (31) consecutive days.
How does this coverage work with other insurance?
If the vehicle rental is for commercial and/or business purposes, your Auto Rental CDW
benefit acts as primary coverage, and you may be reimbursed for up to the actual cash
value of the vehicle.
If the vehicle rental is for personal reasons, this benefit is secondary coverage,
supplemental to your personal automobile insurance, meaning you may only be
reimbursed for the amount of your personal insurance deductible or other charges,
including valid administrative and loss-of-use charges not covered under your personal
insurance policy.
What types of rental vehicles are not
covered?
Though most private passenger automobiles, minivans, and sport utility vehicles are
eligible for coverage, the following vehicles are not covered: expensive, exotic, and
antique automobiles; certain vans; vehicles that have an open cargo bed; trucks;
motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.
• Examples of excluded expensive or exotic automobiles include: the Aston
Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini,
Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW,
Mercedes-Benz, Cadillac, and Lincoln are covered.
• An antique automobile is defined as any vehicle over twenty (20) years old or
any vehicle that has not been manufactured for ten (10) years or more.
• Vans are not covered, with the exception of those manufactured and designed
specifically as small group transportation vehicles (for a maximum of eight (8)
people including the driver).
For questions about a specific vehicle, call the Benefit Administrator at
800.VISA.911. Outside the United States, call collect at 303.967.1096.
What else is not
covered?
• Any obligations you assume under an agreement with another party that relates to
the auto rental (e.g., agreements with your employer, the auto rental company, your
personal insurance carrier, etc.)
• 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
•
Cost of any insurance or collision damage waiver offered by or purchased through the
auto rental company
•
Expenses reimbursable by your insurer, employer, or employer’s insurance
•
Depreciation of the rental vehicle caused by the incident including, but not limited to,
“diminished value”
• Theft or damage due to intentional acts, or due to the driver(s) being under the
i
nfluence 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 thirty-one (31) consecutive
days
•
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 occurs
(
for example, leaving the vehicle running while unattended)
• Theft or damage reported more than forty-five (45) days* from the date of the incident
•
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 from the date of the incident
•
Theft or damage from rental transactions that originated in Israel, Jamaica, the
Republic of Ireland, or Northern Ireland
Where am I covered?
This benefit is available in the United States and most foreign countries. However, no
benefit is provided for motor vehicles rented in Israel, Jamaica, the Republic of
I
reland, or Northern Ireland. Coverage is also unavailable where prohibited by law, by
individual merchants or when you are in violation of the territory terms of the auto rental
agreement. Because regulations vary outside the United States, it is recommended
y
ou check with your auto rental company and the Benefit Administrator before
you travel to make sure Auto Rental CDW will apply.
How do I make sure my Auto Rental CDW benefit is in effect?
To be sure you are covered, take the following steps when you rent a vehicle:
• Initiate and complete the entire rental transaction with your eligible Visa card.
• Decline the auto rental company’s collision damage waiver (CDW/LDW) option or
s
imilar provision if offered to you.
Helpful tips:
• Be sure to check the rental vehicle for prior damage before leaving the rental lot.
• Review the vehicle rental agreement carefully to make sure you have declined the
rental company’s CDW/LDW option and are familiar with the terms and conditions of
t
he agreement.
What if the auto rental company insists that I purchase their insurance or
collision damage waiver?
Call the Benefit Administrator for help at 800.VISA.911. If you are outside the
United States, call collect at 303.967.1096.
Filing an Auto Rental CDW Claim
W
hat do I do if I have an accident or the rental vehicle is stolen?
I
mmediately call the Benefit Administrator at 800.VISA.911 to report the theft or
damage, regardless of whether your liability has been established. If you are outside
the United States, call collect at 303.967.1096. The Benefit Administrator will
a
nswer any questions you or the auto rental company may have and will send you a
claim form.
When should I report an incident?
You should report 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
t
he right to deny any claim that contains charges that would not have been included
had the Benefit Administrator been notified before those expenses were incurred, so
you are advised to notify the Benefit Administrator immediately after any incident.
Please Note: As the cardholder, you are responsible for reporting your claim to the
B
enefit Administrator immediately. Reporting an incident to any other party will not
fulfill this obligation.
F
or faster filing, or to learn more about Auto Rental CDW, go to visa.com/eclaims.
W
hat do I need from the auto rental company in order to file a claim?
At the time of the theft or damage, or when you return the rental vehicle, immediately
ask the auto rental company for:
• A copy of the accident report form and claim document, which should indicate
t
he costs you are responsible for and any amounts that have been paid toward
the claim
•
A copy of the initial and final auto rental agreement(s)
• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
•
A police report, if obtainable
W
hat other documents do I submit to the Benefit Administrator?
• The completed and signed Auto Rental CDW claim form. Please Note: Your
c
ompleted claim form must be postmarked within ninety (90) days* of the date of
theft or damage, even if all other required documentation is not yet available, or
your claim may be denied
• A copy of your receipt or monthly billing statement as proof that the entire vehicle
rental was charged and paid for with your eligible Visa Business card
• A written confirmation from your employer that the rental was for business
purposes
• If the rental was for personal reasons, enclose a statement from your insurance
carrier showing the costs for which you are responsible and any amounts that have
been paid toward the claim. If you have no applicable insurance or reimbursement,
a notarized statement of no insurance or reimbursement is required.
• A copy of the Declarations Page from your primary automobile insurance carrier if
the rental was for personal reasons. “Declarations Page” means the document(s) in
your insurance policy that lists names, coverages, limits, effective dates and
deductibles.
• Any other documentation requested by the Benefit Administrator to substantiate
the claim
Please Note: All remaining documents must be postmarked within three hundred and
sixty-five (365) days of the date of theft or damage. If you have difficulty obtaining
the required documents within ninety (90) days* of the date of theft or damage, submit
the claim form with available documentation.
Do I have to do anything else?
Usually there is nothing else you need to do. Typically, claims are finalized within fifteen
(15) days after the Auto Rental CDW Benefit Administrator has received all
documentation necessary to substantiate your claim.
After the Benefit Administrator has paid your claim, all your rights and remedies against
any party in respect of 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.
* Not applicable to residents of certain states.
Additional Provisions for Auto Rental CDW
You must make every effort that would be made by a reasonable and prudent person to
protect the rental vehicle from theft or damage. 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, including, but
not limited to, the cost of repair services, no coverage shall exist for such claim and
your benefits may be canceled. Each Authorized User and/or Visa Business 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.
Once you report an occurrence, a claim file will be opened and shall remain open for six
(6) months from the date of the incident/occurrence. No payment will be made on a
claim that is not completely substantiated in the manner required by the Benefit
Administrator within twelve (12) months of the date of the incident/occurrence.
No legal action for a claim may be brought against the Provider until sixty (60) days
a
fter the Provider receives Proof of Loss. After the expiration of three (3) years from
the time written Proof of Loss was to be provided, no action shall be brought to recover
on this benefit. Further, no legal action may be brought against the Provider unless all
t
he terms in this Guide to Benefits have been complied with fully.
T
his benefit is provided to eligible Authorized Users and/or Visa Business 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
m
ay be provided via additional Guide to Benefits mailings, statement inserts, or
statement messages. The benefit described in this Guide to Benefits will not apply to
Authorized Users and/or Visa Business cardholders whose accounts have been
s
uspended or canceled.
T
ermination dates may vary by financial institutions. Your financial institution can cancel
or non-renew the benefit, and if they do, they will notify you at least thirty (30) days in
advance. This information is a description of the benefit provided to you as a Visa
B
usiness cardholder. Indemnity Insurance Company of North America (“Provider”) is the
underwriter of this benefit and is solely responsible for its administration and claims.
The Benefit Administrator provides services on behalf of the Provider.
FORM #VBCDW01 – 2013 (04/14) ARCDW-B
Travel and Emergency
A
ssistance Services
What is this benefit?
This benefit offers services designed to help you in case of an emergency while
traveling. The Benefit Administrator can connect you with the appropriate local
emergency and assistance resources available when you are away from home, 24 hours
a day, 365 days a year. (Please keep in mind that, due to occasional issues such as
d
istance, 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.)
W
ho is eligible for this benefit?
You are eligible if you are a valid cardholder of an eligible Visa Business card issued in
the United States. Your immediate family members and business associates may all
b
enefit from these special services.
How do I use these services when I need them?
Simply call the toll-free, 24-hour Benefit Administrator line at 800.VISA.911. If you
a
re outside the United States, call collect at 303.967.1096.
Is there a charge for these services?
No. Travel and Emergency Assistance Services are available to eligible Visa Business
cardholders at no additional charge.
Please Note: Travel and Emergency Assistance Services provide assistance and referral
only. You are responsible for the cost of any actual medical, legal, transportation, cash
a
dvance, or other services or goods provided.
What are the specific services and how can they help me?
• Emergency Message Service can record and relay emergency messages for
travelers, their immediate family members, or business associates. Please Note: The
B
enefit 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,
d
entists, and hospitals; assign a doctor to consult by phone with local medical
personnel, if necessary, to monitor your condition; keep in contact with your family,
and provide continuing liaison; and help you arrange medical payments from your Visa
B
usiness or personal account. Please Note: 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
a
ccident, or need legal assistance. In addition, the Benefit Administrator can coordinate
bail payment through a transfer of funds from your Visa Business or personal account.
The Benefit Administrator can also follow up to make sure bail has been properly
h
andled. Please Note: All costs are your responsibility.
•
Emergency Transportation Assistance can help you make all the necessary
arrangements for emergency transportation home or to the nearest medical facility.
This includes arranging to bring your business associates home and helping you stay
i
n 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.
Please note: All costs are your responsibility.
• Emergency Ticket Replacement helps you through your carrier’s lost ticket
r
eimbursement process and assists in the delivery of a replacement ticket to you
should you lose your ticket. Please Note: All costs are your responsibility.
•
Lost Luggage Locator Service can help you through the common carrier’s claim
procedures or can arrange shipment of replacement items if an airline or common
carrier loses your checked luggage. The Benefit Administrator can also arrange a cash
a
dvance with your issuing bank. Please Note: You are responsible for the cost of any
replacement items shipped to you.
• Emergency Translation Service provides telephone assistance in all major languages
a
nd helps find local interpreters, if available, when you need more extensive assistance.
Please Note: 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
d
elivery of prescriptions filled for you at local pharmacies. It can also help transport
critical documents that you may have left at your business or elsewhere. Please Note:
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.
Additional Provisions for Travel and Emergency Assistance
Services
The benefit described in this Guide to Benefits will not apply to Visa Business
cardholders whose accounts have been suspended or canceled. 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, or statement messages.
FORM #VTEASB – 2013 (04/14) TEAS-B
CCI-02-15-0177_B 6/5/15 12:07 PM Page 2
