Capital One World Elite Mastercard® Guide to Benefits

BR417795 M-135385

Capital One World Elite Mastercard

Guide to Benefits

Important information. Please read and save.

This Guide to Beneﬁts contains detailed information about insurance

and retail protection services you can access as a preferred cardholder.

This Guide supersedes any guide or program description you may have

received earlier.

To ﬁle a claim or for more information on any of these services,

call the Mastercard Assistance Center at 1-877-288-6784,

or en Español: 1-800-633-4466.

“Card” refers to World Elite Mastercard card and

“Cardholder”refers to a World Elite Mastercard

cardholder.

Table of Contents

Key Terms..........................................................................

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Price Protection 3

Extended Warranty 3-4

World Elite Mastercard Digital Merchant Offers 4-5

Concierge Services 5

Mastercard ID Theft Protection™ 5-6

Travel Assistance Services 6-7

MasterRental Coverage 7-8

Common Carrier Trip Cancellation and Trip Interruption 8-9

Lost or Damaged Luggage 9-10

Lounge Key Airport Lounge Access 10

Account and Billing Information 11

Legal Disclosure 11-12

To file a claim, call 1-877-288-6784,

or en Español: 1-800-633-4466.

Key Terms

Throughout this document, You and Your refer to the cardholder

or authorized user of the covered card. We, Us, and Our refer to

New Hampshire Insurance Company, an AIG Company.

Account Holder means a person to whom an Eligible Account

is issued and who holds the Eligible Account under his or

her name.

Administrator means Sedgwick Claims Management Services,

Inc. You may contact the administrator if you have questions

regarding this coverage or would like to make a claim. The

administrator can be reached by phone at 1-877-288-6784.

Auction (online or live) means a place or Internet site where

items are sold through price bids, price quotes; or where

prices ﬂuctuate based on the number of people purchasing,

or interested in purchasing a product. (Examples include, but

are not limited to, Ebay, Ubid, Yahoo, public or private live

auctions, etc.).

Authorized Driver(s)

means a driver with a valid driver’s

license issued from their state of residence and indicated on

the rental agreement.

Authorized User means a person who is recorded as an

authorized user of an Eligible Account by the Account Holder

and who is authorized by the Account Holder to make

payments to the Eligible Account.

Cardholder means the Account Holder or Authorized User of

an Eligible Account in good standing.

Carry-on Luggage means suitcases or other containers

speciﬁcally designated for carrying personal property, which

are carried on board a common carrier by you.

Checked Luggage means suitcases or other containers

speciﬁcally designated for carrying personal property, for which

a claim check has been issued to you by a common carrier.

Common Carrier means an air, land, or water motorized

transportation carrier operating under a regularly published

schedule and current license as required by law for the

conveyance of passengers. Common carrier does not include

helicopters, taxis, rental cars, hired cars, and private and

contract carriers.

Covered Card means the Mastercard

card linked to your

Eligible Account.

Damage means items that can no longer perform the function

they were intended to do in normal service due to broken

parts, material or structural failures.

Eligible Account means the account associated with the

Cardholder’s U.S. issued credit card that is eligible for

coverage under the Group Policy.

Eligible Expense(s) means reasonable and necessary attorney

fees or court costs associated in removing any civil suit

wrongful brought against you as a result of identity fraud or

any suit brought against you by a creditor or collection agency

or other entity for non-payment of goods and/or services as

a result of identity fraud, actual U.S. wages lost due to time

off relating to efforts in resolving your identity fraud issues,

loan application fees, notarizing afﬁdavits or other similar

document cost, long distance telephone cost, and postage

cost you may have incurred as a direct result of identity fraud.

Evidence of Coverage (EOC) means the summary of beneﬁts

set forth below which describe the terms, conditions,

limitations and exclusions of the coverage provided to You

at no additional charge under a Group Policy issued by

New Hampshire Insurance Company, an AIG company.

Representations or promises made by anyone that are not

contained in the group policy are not part of Your coverage.

In the event the EOC, Key Terms, or Legal Disclosures of this

Guide to Beneﬁts conﬂict with the provisions of the group

policy, the terms of the group policy govern Your coverage.

Identity Fraud means the use of your name, address, Social

Security number (SSN), bank, or credit card account

number, or other identifying information without your

knowledge to commit fraud or deception.

Loss means the eligible expenses related to your

identity fraud.

Lost means luggage (including personal property contained

within) that is missing for 10 consecutive days and whose

whereabouts are unknown to you or the common carrier.

Mysteriously Disappear means the vanishing of an item in an

unexplained manner where there is absence of evidence of a

wrongful act by a person or persons.

Non-auction Internet Advertisements means advertisements

posted on the Internet, by a non-Auction Internet merchant

with a valid tax identiﬁcation number. The advertisement

must have been posted within one hundred twenty (120)

days after the date you purchased the product and must

be for the identical item (advertisement must verify same

manufacturer and model number). The printed version of the

Internet advertisement must include the merchant’s Internet

address and customer service telephone number, as well as

the item including manufacturer, model number, sale price

and date of publication.

Printed Advertisements means advertisements appearing in a

newspaper, magazine, store circular, or catalog which state

the authorized dealer or store name, item (including make,

model number), and sale price. The advertisement must

have been published within one hundred twenty (120) days

after the date you purchased the product and must be for the

identical item (advertisement must verify same manufacturer

and model number).

Rental Agreement means the entire agreement or contract

that you receive when renting a vehicle from a vehicle rental

agency that describes in full all of the terms and conditions of

the rental, as well as the responsibility of all parties under the

rental agreement.

Stolen means items that are taken by force and/or under duress

or the disappearance of the item from a known place under

circumstances that would indicate the probability of theft.

United States Dollars (USD) means the currency of the United

States of America.

Vehicle means a land motor vehicle with four wheels that is

designed for use on public roads and intended for use on a

bound surface such as concrete and tarmac. This includes

minivans and sport utility vehicles that are designed to

accommodate less than nine (9) passengers.

Price Protection

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we, us,

our, and words that appear in bold and Legal Disclosures.

A. To get coverage:

You must purchase the new item entirely with your covered

card and/or accumulated points from your covered card for

yourself or to give as a gift.

You must see either a printed advertisement or non-auction

Internet advertisement for the same product (advertisement

must verify same manufacturer and model number) for a

lower price within one hundred twenty (120) days from the

date of purchase as indicated on your receipt.

B. The kind of coverage you receive:

• Purchases you make entirely with your covered card are

covered for one hundred twenty (120) days from the date

of purchase as indicated on your receipt for the difference

between the price you paid and the lower price advertised.

• Items you purchase with your covered card and give as gifts

also are covered.

• This coverage is secondary to any other applicable

insurance or coverage available to you or the gift recipient

including beneﬁts provided by the retailer (including, but not

limited to, refunds, exchanges, and store credits). Coverage

is limited to only those amounts not covered by any other

insurance or coverage, or retailer beneﬁts (including, but not

limited to, refunds, exchanges, and store credits).

C. Coverage limitations:

• Coverage is limited to the difference between the actual

cost of the item (excluding taxes, storage, shipping, and

handling costs) and the advertised lower price, up to $250

USD per claim. There is a maximum of four (4) claim(s) per

cardholder account per twelve (12) month period.

D. What is NOT covered:

• Any item purchased from an Internet site whose primary

purpose is not the sale of the item or related items.

• Items purchased for resale, rental, professional, or

commercial use.

• Jewelry, art, used or antique items; collectibles of any kind

(such as items designed for people to collect or items that

over time become collectibles); recycled, previously owned,

refurbished, rebuilt, or remanufactured items.

• Customized/personalized, one-of-a-kind, or special-order items.

• Layaway items; items returned to any store.

• Any items purchased from an auction.

• Items for which the printed advertisement or non-auction

Internet advertisement containing the lower price was

published after one hundred twenty (120) days from the

date you purchased the item.

• Items advertised or shown as price quotes, bids or ﬁnal sale

amounts from a non-auction Internet site.

• Items advertised in or as a result of “limited quantity,”

“going out-of-business sales,” “close out”, or as

“discontinued”.

• Printed advertisements or non-auction Internet advertisements

that display pricing lower than your purchased item due to

rebates, special offerings, bonuses, free items/giveaways,

manufacturer’s coupons, or special ﬁnancing.

• Professional services, including workmanship, installation,

professional advice/counseling, and technical support, or

help line.

• Plants, shrubs, animals, pets, consumables, and perishables.

• Motorized vehicles, including, but not limited to,

automobiles, watercraft/boats, aircraft, and motorcycles, or

their motors, equipment, or accessories.

• Land, any buildings (including, but not limited to, homes

and dwellings), permanently installed items, ﬁxtures,

structures, or home improvement.

• Game animals, pets or specimens preserved for display

(e.g., ﬁsh, birds, reptiles, or mammals).

• Traveler’s checks, tickets of any kind (e.g., for airlines,

sporting events, concerts, or lottery), negotiable instruments,

bullion, rare or precious metals, stamps, and coins,

currency or its equivalent.

• Differences in price due to sales tax, storage, shipping,

handling, postage, transportation, and delivery.

• Differences in price due to foreign exchange rates or

ﬂuctuation in foreign exchange rates.

E. How to ﬁle a claim:

For a Printed Advertisement:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to open

a claim. You must report the claim within one hundred twenty

(120) days of the incident or the claim may not be honored.

• Submit the following documentation within one hundred and

eighty (180) days of the advertisement’s publication:

• A copy of the printed advertisement that shows the

date of the advertisement, retailer name, the product

(advertisement must verify same manufacturer and

model number), and sale price.

• Receipt showing the item(s) was purchased.

• Statement showing item(s) purchased and use of

accumulated points.

• Itemized purchase receipt(s).

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

For a Non-Auction Internet Advertisement:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within one hundred

twenty (120) days of the incident or the claim may not be

honored.

• Submit the following documentation within one hundred and

eighty (180) days of the advertisement’s publication:

• A copy of the non-auction advertisement that shows

the date of the advertisement, website address, retailer

name, the product (advertisement must verify same

manufacturer and model number), sale price, and, if

applicable, shipping, handling and other charges.

• Receipt showing the item(s) was purchased.

• Statement showing item(s) purchased.

• Itemized purchase receipt(s).

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Extended Warranty

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we, us,

our, and words that appear in bold and Legal Disclosures.

A. To get coverage:

• You must purchase the new item entirely with your covered

card and/or accumulated points from your covered card for

yourself or to give as a gift.

• The item must have an original manufacturer’s (or U.S.

store brand) warranty of twenty-four (24) months or less.

B. The kind of coverage you receive:

• Extended Warranty doubles the original manufacturer’s

warranty up to a maximum of twenty-four (24) months

on most items you purchase. For products with multiple

warranty components, each warranty time period will be

extended up to a maximum of twenty-four (24) months. An

example of a product with multiple warranty components

includes an appliance with original manufacturer’s (or

U.S. store brand) warranties that differ for parts, labor,

compressor, etc.

• If you purchase a service contract or an optional extended

warranty of twenty-four (24) months or less on your item,

we will cover up to an additional twenty-four (24) months

after both the original manufacturer’s (or U.S. store brand)

warranty and the purchased service contract or extended

warranty coverage period end. If your service contract or

extended warranty exceeds twenty-four (24) months, this

coverage does not apply.

• If you do not have an additional service contract or an

optional extended warranty, this Extended W

arranty beneﬁt

commences the day after your original manufacturer’

s (or

U.S. store brand) warranty expires.

C. Coverage limitations:

• The maximum beneﬁt for repair or replacement shall not

exceed the actual amount charged on your covered card or

$10,000 USD, whichever is less.

• If either the original manufacturer’s (or U.S. store brand)

warranty or the service contract covers more than twenty-

four (24) months, this beneﬁt will not apply.

• We or our administrator will decide if a covered failure will be

repaired or replaced, or whether you will be reimbursed up

to the amount paid for the item. Items will be replaced with

those of like kind and quality. However, we cannot guarantee

to match exact color, material, brand, size, or model.

D. What is NOT covered:

• Used or antique items; collectibles of any kind (such as

items designed for people to collect or items that over time

become collectibles) that do not come with a manufacturer’s

warranty (repair or replacement amount will not include

market value at time of claim); recycled, previously owned,

refurbished, rebuilt, or remanufactured items; product

guarantees (e.g., glass breakage).

• Floor models that do not come with an original

manufacturer’s warranty.

• Motorized vehicles, including, but not limited to,

automobiles, watercraft/boats, aircraft, and motorcycles, or

their motors, equipment, or accessories. Parts, if purchased

separately, may be covered.

• Land, any buildings (including, but not limited to, homes

and dwellings), permanently installed items, ﬁxtures, or

structures.

• Plants, shrubs, animals, pets, consumables, and perishables.

• Professional services (including, but not limited to, the

performance or rendering of labor or maintenance; repair or

installation of products, goods or property; professional advice

of any kind, including, but not limited to, information/services

or advice secured from any help or support line; or technical

support for software, hardware, or any other peripherals).

• Application programs, operating software, and other software.

• All types of media with stored data or music (including, but

not limited to, computer software, DVDs, video cassettes,

CDs, ﬁlm and audio cassettes).

• Any shipping charges, transportation and delivery charges,

or promised time frames for delivery, whether or not stated

or covered by the manufacturer’s warranty.

• Direct or indirect loss resulting from any Acts of God (including,

but not limited to, ﬂood, hurricane, lightning, and earthquake).

• Indirect or direct damages resulting from a covered loss.

• Mechanical failure arising from product recalls.

• Trip, service, or diagnostic charges in the absence of any

covered repairs or veriﬁed failure.

• Loss resulting from war or hostilities of any kind (including,

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); conﬁscation or damage by any

government, public authority, or customs ofﬁcial; risks of

contraband, illegal activity, or acts.

• Mechanical failures caused by normal wear and tear or

gradual deterioration where no failure has occurred.

• Items purchased for resale, professional, or commercial use.

• Mechanical failures caused by lack of maintenance/service.

• Losses caused by power surge, contamination by radioactive

or hazardous substances, including mold.

• Physical damage to the item.

• Any exclusion listed in the original manufacturer’s warranty.

E. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within sixty (60)

days of the failure or the claim may not be honored.

• Submit the following documentation within one hundred and

eighty (180) days from the date of failure or the claim may

not be honored:

• Receipt showing covered item(s).

• Statement showing covered item(s).

• Itemized purchase receipt(s).

• Original manufacturer’s (or U.S. store brand) warranty.

• Service contract or optional extended warranty, if

applicable.

• Itemized repair estimate from a factory authorized service

provider.

•

Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

World Elite Mastercard Digital Merchant Offers

Program Description:

Enjoy exclusive offers with popular digital brands on everyday,

time-saving products and services.

Eligibility:

To be eligible for these offers, you must be a cardholder who

holds a World Elite Mastercard Credit Card issued by a U.S.

ﬁnancial institution.

How to Use the Offers:

Visit www.mastercard.us/worldeliteoffers for information on

how to avail the offers.

Terms & Conditions:

Visit www.mastercard.us/worldeliteoffers for a full list of current

digital merchant offers and applicable terms & conditions.

Concierge Services

World Elite Mastercard

offers you the Mastercard Concierge

Service. Imagine your own Personal Assistant 24 x 7 x 365,

where knowledgeable experts can assist with whatever you

need, whenever you need it. This takes “Concierge Service”

to the next level with robust, personalized features that will

save you time and simplify your day, such as:

• Personal Proﬁle to track preferences for travel, hotels, dining,

entertainment, special occasions – and even food allergies.

• Local experts who can provide on-site assistance with

everyday household needs – like being there when the new

appliance is delivered, because you can’t be.

• Access to unique dining and entertainment venues to turn a

special occasion into a memorable experience.

• Reminder service for those dates or events that you can’t

afford to miss.

• Pre-trip planning services, providing you with critical

information in advance of your trip including: 10-day

weather forecast, travel requirements, city-speciﬁc news

and conditions, safety and security advisory, suggested

packing lists, pre-arranged conﬁrmations for dining and other

services, top must-see attractions, ﬁtness facilities, jogging

paths and recreation within close proximity of your hotel, etc.

Let the Mastercard Concierge assist you today, so you can

have your day back! Our experts look forward to assisting you

at 1-877-288-6784.

Costs of any goods or services provided by the concierge will

be billed to your World Elite Mastercard.

Mastercard ID Theft Protection™

Program Description:

Mastercard ID Theft Protection alerts you to possible

identity theft by monitoring the surface, dark and deep

web, searching for compromised credentials and potentially

damaging use of your registered personal information. It also

provides you with resolution services should you ﬁnd yourself

a victim of identity theft.

Eligibility:

All Mastercard consumer credit cardholders in the US are

eligible for this coverage. Enrollment is required.

Service Provider:

ID Theft Protection is provided by Generali Global Assistance,

Inc. More information about this service provider is available

at: https://mastercardus.idprotectiononline.com/

Access:

To receive ID Theft Protection, you must enroll at:

https://mastercardus.idprotectiononline.com/. ID Theft

Protection is provided on a 24-hour basis, 365 days a year.

Contact 1-877-288-6784 if you believe you have been a

victim of identity theft.

Charges:

There is no charge for ID Theft Protection, it is provided by

your ﬁnancial institution.

Program Provisions for Mastercard ID Theft Protection:

To receive ID Theft Protection, you must enroll as described

above and such beneﬁts related to ID Theft Protection accrue

as of the date of enrollment. Mastercard ID Theft Protection is

governed by the terms provided in this Guide to Beneﬁts and

the Terms and Conditions and Terms of Service available at:

https://mastercardus.idprotectiononline.com/

The terms and conditions contained in this Guide to Beneﬁts

may be modiﬁed by subsequent mailings, statement inserts,

or statement messages. Mastercard or your ﬁnancial institution

can cancel or non-renew these services, and if we do, we

will notify you at least thirty (30) days in advance. If the

provider non-renews or cancels any services provided to

eligible Mastercard cardholders, you will be notiﬁed within

30–120 days before the expiration of the service agreement.

In the event substantially similar service takes effect without

interruption, no such notice is necessary. For general questions

regarding these services, please contact 1-877-288-6784 or

please see https://mastercardus.idprotectiononline.com/.

ID Theft Protection Services Provided:

1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS

Personally Identiﬁable Information (PII)

Compromised Credentials monitors for a combination of email

address /username /password /security questions located within:

• Hacker account dump sites

• Hacktivist forums

• Data leaks

• Malware logs

Alerts are sent with event details, also listed within resolution

console and most often includes source of breach (from

where the data was harvested).

High-Risk Transactions monitors a Consumer’s high-risk

transactions with more than 300 of the nation’s largest

companies to uncover and thwart account takeover attempts.

Knowledge-Based Authentication (questions only an individual

should know about themselves such as what street they lived

on in 2009) used by organizations across industries limits

the risk of identity theft or account takeover. Alerts are sent

when a series of knowledge-based authentication questions

are generated to validate the Consumer’s identity (i.e. when

accessing a credit report). Monitored transactions include:

• Credit cards

• Bank accounts

• Brokerage accounts

• Healthcare portals

• Workplace intranets

• Other services (e.g. peer-to-peer fund transfers)

Dark Web Monitoring provides monitoring of underground

web pages people can visit without third parties being able

to trace the location of the web visitors or the web page

publisher. Dark web sites make up about .01% of the Internet

and are intentionally hidden or protected by encryption

technologies and not accessible via standard web browsers.

Credit Information

Single Bureau Credit Monitoring monitors a Consumer’s

TransUnion credit ﬁle for changes that could indicate fraud

such as new credit inquiries, an address change or new credit

account(s) opened in their name. In order to use this service,

Consumers must provide some personal information, such as

name, address, date of birth, and SSN, and undergo either

digital veriﬁcation via text or knowledge-based authentication. ID

Theft Protection sends alert notiﬁcation emails, such as change

of address alerts, anytime potentially unauthorized inquiries or

suspicious activities on Consumer’s credit ﬁle are detected so

they can take immediate action to minimize damage.

Additional Information

Small Business ID Theft Protection upgrades ID Theft

Protection identity monitoring services by adding URL and

Domain monitoring to the existing list of monitored items. URL

and Domain monitoring searches for the Consumer’s business

URL and domain (limited to 10 domains) within corporate data

breaches, malicious third-party botnets and criminal forums.

2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY

• Email Addresses

• Debit/Credit Cards

• Loyalty/Afﬁnity Cards

• Bank Account Numbers

• Passport Numbers

• Medical and Vehicle Insurance Cards

• Drivers Licenses

• National Identity Numbers/Social Security Numbers

• New Lines of Credit

• Address Changes

3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE

RESOLUTION OR SPECIALIST SUPPORT

Self-Service ID Theft Resolution Kit is a self-service resolution

document which informs Consumers of the different forms of

ID theft, and how to resolve each situation. Resolution tools in

the kit include preventive measures, step-by-step guides and

sample letters to be sent to collection agencies.

Access to Resolutions Specialists which assigns a personal

case manager to help take care of everything.

Self-Service ID Theft Wizard provides step-by-step advice for

many identity theft scenarios that Consumers may face. All

ID Theft Protection users have access to the Identity Theft

Protection Kit found in the Proﬁle section of their portal,

which explains the many forms of identity theft and provides

protective measures anyone can take to limit their risk. The

kit also contains a Federal Trade Commission sample afﬁdavit

form, as well as sample letter templates for ﬁling disputes in

cases of identity theft or fraud.

Online Fraud Alerts allow Consumers to place a statement

on their credit report that instructs lenders to contact the

Consumer before issuing new credit. This makes it more

difﬁcult for an identity thief to open new accounts in their

name. When Consumers place a fraud alert with one bureau,

the other two bureaus are informed, and the alert is then

placed on all three bureau ﬁles. Fraud alert placement is free,

and alerts stay on the Consumer credit ﬁles for one year.

Travel Assistance Services

Rely on Travel Assistance Services when you’re away

from home.

Travel Assistance Services is your guide to many important

services you may need when traveling. Beneﬁts are designed

to assist you or your travel companions when you’re traveling

50 miles or more from home.* This is reassuring, especially

when visiting a place for the ﬁrst time or not speaking the

language. For services, call 1-877-288-6784. Enrollment is

automatic and the assistance service is free to cardholders.

Please keep in mind that you will be responsible for the fees

incurred for professional or emergency services requested of

Travel Assistance Services (e.g., medical or legal bills).

* Travel Assistance Services are available worldwide, with the

exception of those countries and territories which may be

involved in an international or internal conﬂict, or in those

countries and territories where the existing infrastructure is

deemed inadequate to guarantee service. You may contact

us prior to embarking on a covered trip to conﬁrm whether

or not services are available at your destination(s).

MasterTrip

Travel Assistance

Before you begin your trip, MasterTrip provides information

on travel requirements including documentation (visas,

passports), immunizations or currency exchange rates. The

exchange rate provided may differ from the exact rate that

issuers use for transactions on your card. Information on

exchange rates for items billed on your statement should be

obtained from the ﬁnancial institution that issued your card.

MasterTrip will also help you locate any lost or stolen travel

materials, including luggage. This is not an insurance policy

for lost/stolen luggage and we do not reimburse you for a

permanent loss.

If you have a travel emergency and need cash, MasterTrip

can arrange to transfer up to $5,000 USD from a family

member, friend, or business account.

This service does not provide maps or information regarding

road conditions.

Travel Services Medical Assistance

Provides a global referral network of general physicians,

dentists, hospitals and pharmacies. We can also help you reﬁll

prescriptions with local pharmacists (subject to local laws).

In the event of emergencies, a stateside physician or nurse

can be contacted for consultation with the local medical staff

and to monitor your condition. If you are hospitalized, we

can arrange to have messages relayed home, transfer you

to another facility if medically necessary, or have a family

member or close friend brought to your bedside if you have

been traveling alone (at cardholder’s expense). If a tragedy

occurs, we’ll assist in securing travel arrangements for you

and your travel companion(s).

MasterLegal

Referral Service

Provides you with English-speaking legal referrals or consults

with appropriate embassies and consulates regarding your

situation.

Will assist in transfers up to $5,000 USD in cash from a

family member, friend or business to cover legal fees or to

post bail. There is no charge for referral services; however,

legal and bail fees are your responsibility.

Master RoadAssist

Roadside Service

(Available only when traveling in the 50 United States and the

District of Columbia)

If your car breaks down on the road, just call 1-877-288-6784

and tell us where you are.

We’ll send someone to the rescue. This is not only reassuring,

but it may also save you money because fees for many

services (jumpstarts, towing, gas delivery, and tire changes)

are prenegotiated. Road service fees will be automatically

billed to your Mastercard account.

You are responsible for emergency road service charges

incurred by towing facilities responding to your dispatch, even

if you are not with your vehicle (or it’s gone) when the tow truck

arrives. Mastercard International is not responsible or liable

for the service the towing facility provides. Towing facilities are

independent contractors, solely liable for their services.

Emergency road service is not available in areas not regularly

traveled, in “off road” areas not accessible by ordinary towing

vehicles, or for over one-ton capacity trailers, campers or If you

have a rental car, be sure to call the rental car agency before

you call 1-877-288-6784, as many rental agencies have special

procedures regarding emergency road service assistance.

MasterRental Coverage

Evidence of Coverage

Pursuant to the below terms and conditions, when you rent a

vehicle for thirty-one (31) consecutive days or less with your

covered card, you are eligible for beneﬁts under this coverage.

Refer to Key Terms for the deﬁnitions of you, your, we, us,

our, and words that appear in bold and Legal Disclosures.

A. To get coverage:

You must initiate and then pay for the entire rental agreement

(tax, gasoline, and airport fees are not considered rental

charges) with your covered card and/or the accumulated points

from your covered card at the time the vehicle is returned. If

a rental company promotion/discount of any kind is initially

applied toward payment of the rental vehicle, at least one (1)

full day of rental must be billed to your covered card.

You must decline the optional collision/damage waiver (or

similar coverage) offered by the rental company.

You must rent the vehicle in your own name and sign the

rental agreement.

Your rental agreement must be for a rental period of no more

than thirty-one (31) consecutive days. Rental periods that

exceed or are intended to exceed thirty-one (31) consecutive

days are not covered.

B. The kind of coverage you receive:

We will pay for the following on a secondary basis:

• Physical damage and theft of the vehicle, not to exceed the

limits outlined below.

• Reasonable loss of use charges imposed by the vehicle

rental company for the period of time the rental vehicle is

out of service. Loss of use charges must be substantiated by

a location and class-speciﬁc ﬂeet utilization log.

• Towing charges to the nearest collision repair facility.

This coverage is not all-inclusive, which means it does not cover

such things as personal injury, personal liability, or personal

property. It does not cover you for any damages to other vehicles

or property. It does not cover you for any injury to any party.

C. Coordination of beneﬁts:

When MasterRental is provided on a secondary basis and a

covered loss has occurred, the order in which beneﬁts are

determined is as follows:

1. You or an authorized driver’s primary auto insurance;

2. Collision/damage waiver provided to you by the rental agency;

3. Any other collectible insurance;

4. The coverage provided under this EOC.

If you or an authorized driver’s primary auto insurance or

other coverage has made payments for a covered loss, we

will cover your deductible and any other eligible amounts,

described in Section B, not covered by the other insurance.

Note: In certain parts of the United States and Canada,

losses to rental vehicles that are covered by your personal

vehicle insurance policy liability section may not be subject

to a deductible, which means that you may not receive any

beneﬁts from this program. Contact your insurance provider

for full coverage details pertaining to your personal vehicle

liability insurance policy (or similar coverage).

If you have no other insurance or your insurance does not

cover you in territories or countries outside of the United

States, coverage is considered primary coverage.

D. Who is covered:

The covered card cardholder and those designated in the

rental agreement as authorized drivers.

E. Excluded rental vehicles:

• All trucks, pickups, full-size vans mounted on truck chassis

(including, but not limited to, Ford EconoVan), cargo vans,

campers, off-road vehicles, and other recreational vehicles.

• All sport utility trucks. These are vehicles that have been, or

can be converted to an open, ﬂatbed truck (including, but

not limited to, Chevy Avalanche, GMC Envoy, and Cadillac

Escalade EXT).

• Trailers, motorbikes, motorcycles, and any other vehicle

having fewer than four (4) wheels.

• Antique vehicles (vehicles that are more than twenty (20)

years old or have not been manufactured for at least ten

(10) years), or limousines.

F. Where you are covered:

Coverage is available worldwide.

Coverage is not available in countries where:

a) This EOC is prohibited by that country’s law; or

The terms of the EOC are in conﬂict with the laws of

that country.

G. Coverage limitations:

We will pay the lesser of the following:

a) The actual repair amount;

b) Wholesale market value less salvage and depreciation;

c) The rental agency’s purchase invoice less salvage and

depreciation.

In addition, coverage is limited to $500 USD per incident

for reasonable loss of use charges imposed by the vehicle

rental company for the period of time the rental vehicle is

out of service.

We will not pay for or duplicate the collision/damage waiver

coverage offered by the rental agency.

H. What is NOT covered:

• Any personal item stolen from the interior or exterior of

rental vehicles.

• Vehicle keys or portable Global Positioning Systems (GPS).

• Vehicles not rented by the cardholder or authorized user on

the covered card.

• Any person not designated in the rental agreement as an

authorized driver.

• Any obligations you assume other than what is speciﬁcally

covered under the rental agreement or your primary vehicle

insurance or other indemnity policy.

• Any violation of the written terms and conditions of the

rental agreement.

• Any loss that occurs while driving under the inﬂuence of

drugs or alcohol.

• Any loss associated with racing or reckless driving.

• Losses involving the theft of the rental vehicle when you or

an authorized driver cannot produce the keys to the rental

vehicle at the time of reporting the incident to the police

and/or rental agency, as a result of negligence.

• Mechanical failures caused by wear and tear, gradual

deterioration, or mechanical breakdown.

• Subsequent damages resulting from a failure to protect the

rental vehicle from further damage.

• Blowouts or tire/rim damage that is not caused by theft or

vandalism or is not a result of a vehicle collision causing tire

or rim damage.

• Rental vehicles where collision/damage waiver coverage (or

similar coverage) was accepted/purchased by you.

• Any damage that is of an intentional or non-accidental

nature, caused by you or an authorized driver of the

rental vehicle.

• Depreciation, diminishment of value, administrative, storage,

or other fees charged by the vehicle rental company.

• Vehicles with a rental agreement that exceeds or is intended

to exceed a rental period of thirty-one (31) consecutive days

from a rental agency.

• Losses resulting from any kind of illegal activity.

• Damage sustained on any surface, other than a bound

surface such as concrete or tarmac.

• Damage sustained on any road not regularly maintained by a

municipal, state, or federal entity.

• Losses as a result of war or hostilities of any kind (including,

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); conﬁscation or damage by any

government, public authority, or customs ofﬁcial; risks of

contraband; illegal activity or acts.

• Any loss involving the rental vehicle being used for hire, for

commercial use, or as a public or livery conveyance.

• Theft of, or damage to, unlocked or unsecured vehicles.

• Value-added tax, or similar tax, unless reimbursement of

such tax is required by law.

I. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call 1-877-288-6784 to

open a claim. You must report the claim within sixty (60)

days of the loss or the claim may not be honored.

• You may choose to assign your beneﬁts under this

insurance program to the rental agency from which you

rented your vehicle. Please contact us or our designated

representative for further details.

• Submit the following documentation within one hundred

and eighty (180) days of the incident or the claim may not

be honored:

• Receipt showing the vehicle rental.

• Statement showing the vehicle rental.

• The rental agreement (front and back).

• Copy of Your valid driver’s license (front and back).

• Copy of the declarations page of any primary vehicle

insurance and other valid insurance or coverage.

• Police report when the vehicle is stolen, vandalized

(regardless of the damage), or involved in a collision

that requires the vehicle to be towed, in a multi-vehicle

collision, or the vehicle is not drivable.

• Itemized repair estimate from a factory authorized

collision repair facility.

• Copy of the vehicle rental company promotion/discount,

if applicable.

• Copy of the vehicle rental location class speciﬁc ﬂeet

utilization log, if loss of use charges are being claimed.

You must secure this log from the rental agency.

• Any other documentation that may be reasonably

requested by us or our administrator to validate a claim.

Common Carrier Trip Cancellation and

Trip Interruption

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we, us and

our, and words that appear capitalized. This EOC is subject to

the Legal Disclosures set forth below.

A. To get coverage:

You must charge the full amount of a Covered Trip to your

Covered Card or in combination with your Covered Card and

accumulated points on your Eligible Account or redeemable

certiﬁcates, vouchers, coupons, or discounts awarded from

frequent ﬂyer program or similar program.

B. Covered Losses:

Covered Losses include Trip Cancellations or Trip Interruptions

that result from Accidental Bodily Injury or loss of life or Sickness

of either the Eligible Traveler, Traveling Companion or a Family

Member of the Eligible Traveler or Traveling Companion.

C. The kind of coverage you receive:

Trip Cancellation

We will reimburse you for the nonrefundable amount paid to

a Common Carrier with your Covered Card if a Covered Loss

causes an Eligible Traveler’s Trip Cancellation, subject to

the cancellation provisions in effect at the time the Common

Carrier is notiﬁed of cancellation. If a Physician advises the

Eligible Traveler that a Covered Trip is medically inadvisable,

the Eligible Traveler must immediately notify the appropriate

Common Carrier of his or her Trip Cancellation after receiving

such medical advice. If the Eligible Traveler does not provide

such notiﬁcation, our payment will not exceed the cancellation

penalties imposed by the Common Carrier and in effect during

the forty-eight (48) hour period immediately following the

Physician’s notice that travel was not advisable, subject to any

other limits set forth herein.

Trip Interruption

If a Covered Loss causes an Eligible Traveler’s Trip

Interruption, we will reimburse you for the nonrefundable

amount paid to a Common Carrier with your Covered Card for

the following: 1. The forfeited, non-refundable, pre-paid land,

air and sea transportation arrangements that were missed;

and 2. Additional transportation expenses that the Eligible

Traveler incurs less any available refunds, not to exceed

the cost of an economy-class air ticket by the most direct

route for the Eligible Traveler to rejoin his or her Common

Carrier Covered Trip or to return to his or her place of origin.

If a Covered Loss causes an Eligible Traveler to temporarily

postpone transportation by a Common Carrier for a Covered

Trip and a new departure date is set, we will reimburse you

for the following: 1. The additional expenses incurred to

purchase tickets for the new departure (not to exceed the

difference between the original fare and the economy fare for

the rescheduled Covered Trip by the most direct route); and 2.

The unused, non-refundable land, air, and sea arrangements

paid to a Common Carrier with your Covered Card.

Term of Coverage

Coverage begins on the date the Covered Trip was purchased

and ends immediately at the time the Covered Trip is

completed. An Eligible Traveler’s coverage terminates on any

of the following dates: The date the Eligible Traveler is no

longer eligible to participate; the date the Eligible Account is

determined to be ineligible by the participating organization;

the date the participating organization ceases to pay premium

on the Group Policy; the date the participating organization

ceases to participate in the Group Policy; or the date the

Group Policy is terminated.

Coverage Limitations

The maximum beneﬁt amount is $1,500 per Covered Trip and

$5,000 per Eligible Account per 12 consecutive month period.

Coverage is secondary to and in excess of any other applicable

insurance or beneﬁt available to the Eligible Traveler including

beneﬁts provided by the Common Carrier, such as exchanged

tickets, drop in ticket prices, goodwill payments, refunds,

credits, or vouchers. In no event will this coverage apply as

contributing insurance. This “non-contribution” clause will

take precedence over the “non-contribution” clauses found

in other insurance or indemnity language. Coverage is not

available in states where prohibited.

D. What is NOT covered:

Coverage does not apply to any Accident, Accidental Bodily

Injury, or loss caused by or resulting from the following,

directly or indirectly:

• Pre-existing medical conditions.

• The Eligible Traveler’s intentionally self-inﬂicted injuries,

including suicide or attempted suicide.

• A declared or undeclared war.

• The Eligible Traveler participating in a military maneuver

or training exercise.

• Mental or emotional disorders, unless hospitalized.

• The Eligible Traveler’s participation in a sporting activity

for which he or she receives a salary or prize money.

• The Eligible Traveler being intoxicated at the time of

an Accident. Intoxication is deﬁned by the laws of the

jurisdiction where such Accident occurs.

• The Eligible Traveler being under the inﬂuence of any

narcotic or other controlled substance at the time of an

Accident, unless the narcotic or other controlled substance

is taken and used as prescribed by a Physician.

• The Eligible Traveler’s commission or attempted

commission of any illegal or criminal act, including but

not limited to any felony.

• The Eligible Traveler parachuting from an aircraft.

• The Eligible Traveler engaging or participating in a

motorized vehicular race or speed contest.

• Dental treatment except as a result of Accidental Bodily

Injury to sound, natural teeth.

• Any non-emergency treatment or surgery, routine

physical examinations.

• Hearing aids, eye glasses or contact lenses.

• One-way travel that does not have a return destination.

• Any occurrence while the Eligible Traveler is incarcerated.

• Loss due to intentional acts by the Eligible Traveler.

E. How to ﬁle a claim:

• Call 1-800-Mastercard or go to www.mycardbeneﬁts.com

to initiate a claim. You must report the claim within sixty

(60) days of the Covered Loss or the claim may not be

honored. You must also notify the Common Carrier and

complete its claim procedures.

• You must furnish written proof of loss to us within 180 days

after the date of your loss. Required documentation may

include the following:

o Copies of your Common Carrier tickets.

o Covered Card billing statement showing the charge for

the Covered Trip.

o Proof of the Covered Loss, as applicable, Physician

orders, etc.

o Copy of the cancellation policy of the Common Carrier.

o Any other documentation that may be reasonably

requested by us or our Administrator to validate

a claim.

Lost or Damaged Luggage

Evidence of Coverage

Refer to Key Terms for the deﬁnitions of you, your, we, us,

our, and words that appear in bold and Legal Disclosures.

A. To get coverage:

You must pay the entire cost of the common carrier ticket(s)

with your covered card and/or accumulated points from your

covered card.

B. The kind of coverage you receive:

• Reimbursement for the actual cost of repairing or replacing

your checked or carry-on luggage and personal property

contained therein that is lost or damaged.

• Coverage begins when the luggage is checked in or carried

on to the common carrier by you. This includes curbside

check in with facility designated personnel.

• Coverage ends each time you regain possession of the

checked luggage from, or carry the luggage off of the

common carrier or twenty-four (24) hours after you depart

from the common carrier, whichever comes ﬁrst.

• Coverage is secondary to any other applicable insurance

or coverage available to you including beneﬁts provided by

the common carrier (including, but not limited to, goodwill

payments, refunds, credit/vouchers). Coverage is limited

to only those amounts not covered by any other insurance

or coverage, or common carrier beneﬁts (including, but not

limited to, goodwill payments, refunds, credit/vouchers).

C. Coverage limitations:

Coverage is limited to the actual cost, up to $1,500 USD per

incident of repairing or replacing your checked and/or carry-on

luggage and any personal property contained within. There is

a maximum of two (2) claim(s) per twelve (12) month period.

D. Where you are covered:

Coverage applies worldwide.

E. What is NOT covered:

• Loss or damage of luggage or personal property for

regularly scheduled short-distance travel under one

hundred (100) miles.

• Loss or damage resulting from any dishonest, fraudulent, or

criminal act committed or arranged by you.

• Loss resulting from war or hostilities of any kind (including,

but not limited to, invasion, terrorism, rebellion, insurrection,

riot, or civil commotion); conﬁscation, expropriation or

detention by any government, public authority, or customs

ofﬁcial; illegal activity or acts.

• Loss resulting from contamination by radioactive or

hazardous substances, including mold.

• Sporting equipment or musical instruments, unless checked

in as luggage with the common carrier and for which a claim

check has been issued.

• Electronic equipment (including, but not limited to, laptops,

PDAs, video/ﬁlm cameras, or hearing aids).

• Eyeglasses, contact lenses, prosthetic devices, dentures,

silverware, furs, household furniture, or documents

(including, but not limited to, visas and IDs).

• Plants, shrubs, animals, consumables, and perishables.

• Traveler’s checks, tickets of any kind (e.g., for airlines,

sporting events, concerts, or lottery), negotiable instruments,

bullion, rare, or precious metals, stamps, and coins,

currency or its equivalent.

• Jewelry, art, used or antique items; collectibles of any kind

(such as items designed for people to collect or items that

over time become collectibles); recycled, previously owned,

refurbished, rebuilt, or remanufactured items.

• Defective material or workmanship, ordinary wear and tear

or normal deterioration.

• Loss or damage not reported within the time period required,

as stipulated in the claim procedure.

• Loss or damage where the common carrier completely

denies a claim for checked and/or carry-on luggage.

• Items excluded under the common carrier’s coverage

(except carry-on luggage).

• Loss or damage where the common carrier pays the claim in

full or repairs the damage.

• Interest or conversion fees that are charged to your covered

card by the ﬁnancial institution.

F. How to ﬁle a claim:

• Visit www.mycardbeneﬁts.com or call

1-877-288-6784

open a claim. You must report the claim within sixty (60)

days of the incident or the claim may not be honored.

• Report within twenty-four (24) hours any loss or damage to

the common carrier.

• Submit the following documentation within one hundred and

eighty (180) days of the date of incident or the claim may

not be honored:

o Receipt showing the purchase of common carrier tickets.

o Statement showing the purchase of common carrier tickets.

o Copy of initial claim report submitted to the common carrier.

o Covered card travel point program statement showing the

common carrier ticket was paid for with redeemed points.

o Report from police, if applicable.

o The result of any settlement by the common carrier.

o Receipts showing that your luggage or personal property

has actually been repaired or replaced.

Any other documentation that may be reasonably requested

by us or our administrator to validate a claim.

Lounge Key Airport Lounge Access

Description

Airport lounge access provided by Lounge Key is available to all

eligible U.S. World Elite Mastercard cardholders. Cardholders

can use their U.S. World Elite Mastercard or digital card to

access an airport lounge in a seamless way, as follows:

• Eligible cardholders will have lounge membership with “pay

as you go” lounge visits at only $32 per visit, per person.

• Membership to 1000+ Lounge Key lounges in 120+

countries and in over 400 airports regardless of airline,

frequent ﬂyer membership or class of ticket.

Lounge Key ensures cardholders have the opportunity to

relax, refresh and enhance their airport experience as they

wait for their ﬂight. Detail

Who Is Eligible:

U.S. issued World Elite Mastercard cardholders whose issuing

bank has completed the enrollment process.

How Lounge Key Works:

1. Before traveling, eligible cardholders can log on to their

Lounge Key website or access the Smartphone App and

view a list of participating lounges and experiences.

2. Eligible cardholders will enjoy complimentary

refreshments, newspapers and television. In addition,

there is access to business facilities including phone, fax,

conference and Internet facilities (where available).

3. To gain access to the lounges, an eligible cardholder only

needs to quote “Lounge Key” at the participating lounge

and present their eligible World Elite Mastercard card to

the lounge operator, or present their Lounge Access QR

Code found in the Lounge Key app.

4. A list of participating lounges can be found and viewed

using the Lounge Key website or app.

• FAQs can be viewed online at www.loungekey.com/en/faq

• Contact Lounge Key at www.loungekey.com/en/contact-us

or +1 469 334 4174 for customer support.

• Terms of Use can be viewed online at

www.loungekey.com/en/terms-of-use.

• Conditions of Use can be viewed online at

www.loungekey.com/en/conditions-of-use

Account and Billing Information

Important: Contact your card-issuing ﬁnancial institution directly

for questions concerning your account, such as account

balance, credit line, billing inquiries (including transaction

exchange rates), merchant disputes, or information about

additional services not described in this Guide. Your ﬁnancial

institution’s phone number should be available on your

monthly billing statement or on the back of your card.

Reminder: Please refer to the Legal Disclosure section.

Legal Disclosure

This Guide to Beneﬁts is not, by itself, a policy or contract of

insurance or other contract.

Beneﬁts are provided to you, the accountholder, at no

additional charge. Non-insurance services may have

associated costs, which will be your responsibility (for

example, legal referrals are free, but the lawyer’s fee is your

responsibility).

The insurance beneﬁts are provided under the Group Policy

issued by New Hampshire Insurance Company, an AIG

company. This Guide to Beneﬁts is a summary of beneﬁts

provided to you. The attached Key Terms and EOC are

governed by the Group Policy.

Effective date of beneﬁts: This Guide to Beneﬁts replaces

all prior disclosures, program descriptions, advertising, and

brochures by any party. The Policyholder and the insurer

reserve the right to change the beneﬁts and features of these

programs at any time. When required, notice will be provided

for changes.

Cancellation: The Policyholder may cancel these insurance

beneﬁts at any time or choose not to renew the insurance

coverage for all Cardholders. If the Policyholder cancels these

beneﬁts, you will be notiﬁed in advance. If the insurance

company terminates, cancels, or chooses not to renew the

coverage to the Policyholder, you will be notiﬁed as soon as is

practicable. Insurance beneﬁts will still apply for any beneﬁts

you were eligible for prior to the date of such terminations,

cancellation, or non-renewal, subject to the terms and

conditions of coverage.

Beneﬁts to you: These beneﬁts apply only to the cardholder

whose cards are issued by U.S. ﬁnancial institutions. The

United States is deﬁned as the ﬁfty (50) United States, the

District of Columbia, American Samoa, Puerto Rico, Guam,

and the U.S. Virgin Islands. No person or entity other than the

cardholder shall have any legal or equitable right, remedy, or

claim for beneﬁts, insurance proceeds and damages under or

arising out of these programs. These beneﬁts do not apply if

your card privileges have been cancelled. However, insurance

beneﬁts will still apply for any beneﬁt you were eligible for

prior to the date that your account is suspended or cancelled,

subject to the terms and conditions of coverage.

Transfer of rights or beneﬁts: No rights or beneﬁts provided

under these insurance beneﬁts may be assigned without the

prior written consent of the claim administrator for

these beneﬁts.

Misrepresentation and Fraud: Beneﬁts shall be void if the

cardholder has concealed or misrepresented any material

facts concerning this coverage.

Dispute Resolution – Arbitration: This EOC requires binding

arbitration if there is an unresolved dispute concerning

this EOC (including the cost of, lack of, or actual repair

or replacement arising from a loss or breakdown). Under

this Arbitration provision, You give up your right to resolve

any dispute arising from this EOC by a judge and/or a jury.

You also agree not to participate as a class representative

or class member in any class action litigation, any class

arbitration or any consolidation of individual arbitrations.

In arbitration, a group of three (3) arbitrators (each of

whom is an independent, neutral third party) will give a

decision after hearing the parties’ positions. The decision

of a majority of the arbitrators will determine the outcome

of the arbitration and the decision of the arbitrators shall be

ﬁnal and binding and cannot be reviewed or changed by, or

appealed to, a court of law. To start arbitration, the disputing

party must make a written demand to the other party for

arbitration. This demand must be made within one (1) year

of the earlier of the date the loss occurred or the dispute

arose. The parties will each separately select an arbitrator.

The two (2) arbitrators will select a third arbitrator called

an “umpire.” Each party will each pay the expense of the

arbitrator selected by that party.

The expense of the umpire

will be shared equally by the parties. Unless otherwise agreed

to by the parties, the arbitration will take place in the county

and state in which You live. The arbitration shall be governed

by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and

not by any state law concerning arbitration. The rules of the

American Arbitration Association (www.adr.org) will apply to

any arbitration under this EOC. The laws of the state of New

York (without giving effect to its conﬂict of law principles)

govern all matters arising out of or relating to this EO

C and

all transactions contemplated by this EOC, including,

without limitation, the validity, interpretation, construction,

performance and enforcement of this EOC.

Due Diligence: All parties are expected to exercise due

diligence to avoid or diminish any theft, loss or damage to

the property insured under these programs. “Due diligence”

means the performance of all vigilant activity, attentiveness,

and care that would be taken by a reasonable and prudent

person in the same or similar circumstances in order to guard

and protect the item.

Subrogation: If payment is made under these beneﬁts, the

insurance company is entitled to recover such amounts

from other parties or persons. Any party or cardholder who

receives payment under these beneﬁts must transfer to the

insurance company his or her rights to recovery against any

other party or person and must do everything necessary

to secure these rights and must do nothing that would

jeopardize them, or these rights will be recovered from the

cardholder.

Salvage: If an item is not repairable, the claim administrator may

request that the cardholder or gift recipient send the item to the

administrator for salvage at the cardholder’s or gift recipient’s

expense. Failure to remit the requested item for salvage to the

claim administrator may result in denial of the claim.

Other Insurance: Coverage is secondary to and in excess of

any other applicable insurance or indemnity available to You.

Coverage is limited to only those amounts not covered by any

other insurance or indemnity. It is subject to the conditions,

limitations, and exclusions described in this document. In no

event will this coverage apply as contributing insurance. This

Other Insurance clause will take precedence over a similar

clause found in other insurance or indemnity language. In

no event will these insurance beneﬁts apply as contributing

insurance. The non-contribution insurance clause will take

precedence over the non-contribution clause found in any

other insurance policies.

Severability of Provisions: If in the future any one or more of

the provisions of this Guide to Beneﬁts is, to any extent and

for any reason, held to be invalid or unenforceable, then such

provision(s) shall be deemed “severable” from the remaining

provisions of the Guide. In that event, all other provisions of

this Guide shall remain valid and enforceable.

Beneﬁts listed in this Guide to Beneﬁts are subject to the

conditions, limitations, and exclusions described in each

beneﬁt section. Receipt and/or possession of this Guide to

Beneﬁts does not guarantee coverage or coverage availability.

This Guide is intended as a summary of services, beneﬁts,

and coverages and, in case of a conﬂict between the Guide

and the the master insurance policies, or an issuer’s, or the

Mastercard actual offerings, such master policies or actual

offering shall control. Provision of services is subject to

availability and applicable legal restrictions.

Capital One and its affiliates are not responsible for the products or services herein offered.

BR417795 M-135385

Beneﬁt Contact Information

For questions on each beneﬁt, including how to use them, use the following

phone numbers and websites:

Price Protection

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Extended Warranty

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

World Elite Mastercard Digital Merchant Offers

For more information visit www.mastercard.us/worldeliteoffers.

Concierge Services

For more information call 1-877-288-6784.

Mastercard ID Theft Protection™

For more information call 1-877-288-6784. To activate monitoring,

visit https://mastercardus.idprotectiononline.com/.

Travel Assistance Services

For more information call 1-877-288-6784.

MasterRental Coverage

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Common Carrier Trip Cancellation and Trip Interruption

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Lost or Damaged Luggage

For more information call 1-877-288-6784 or visit www.mycardbeneﬁts.com.

Lounge Key Airport Lounge Access

For more information call 1-469-334-4174 or visit www.loungekey.com/en/contact-us.