Guide to Benefits

Guide to

Benets

Auto Rental Collision Damage Waiver 03

Baggage Delay Insurance 06

Extended Warranty Protection 10

Lost Luggage Reimbursement 13

Purchase Protection 17

Roadside Dispatch

Travel Accident Insurance 22

Travel and Emergency Assistance Services 28

Trip Cancellation/Interruption Insurance 30

Trip Delay Reimbursement 40

General Provisions and Denitions 42

Your Guide to Benets describes the benet that is in eect as of

08/15/21. Information in this guide takes the place of any prior

benet and benet description you may have previously received.

Your eective date of eligibility is determined by Chase.

Please keep the guide with your account information for future

reference and call the Benet Administrator if you have any

questions before taking advantage of the benet.

Chase Sapphire Preferred

Visa Signature

Important Information

about your Travel & Purchase

Protection Benets

For questions, call 1-888-320-9961 if you're in the US

Auto Rental Collision Damage Waiver

The Auto Rental Collision Damage Waiver benet provides

reimbursement for damages caused by theft or collision up to the

Actual Cash Value of most rented cars. The Auto Rental Collision

Damage Waiver acts as primary coverage and covers theft, damage,

valid loss-of-use charges imposed and substantiated by the auto

rental company, administrative fees, and reasonable and customary

towing charges (due to a covered theft or damage) to the nearest

qualied repair facility. The Auto Rental Collision Damage Waiver

covers no other type of loss. For example, in the event of a collision

involving Your Rental Vehicle, damage to any other driver’s car,

the injury of anyone, or damage to anything is not covered. Rental

periods up to thirty-one (31) consecutive days are covered.

You are covered when Your name is embossed on an eligible card

issued in the United States, and You use Your credit card Account

and/or rewards programs associated with Your Account to initiate

and complete Your entire car rental transaction. Only You, as the

primary renter of the vehicle, and any additional drivers permitted

by the Rental Car Agreement are covered.

How Do You Use the Auto Rental Collision

Damage Waiver?

1. Use Your Account to initiate and complete Your entire car

rental transaction.

2. During this transaction, review the Rental Car Agreement and

decline the rental company’s collision damage waiver (CDW/LDW)

option or a similar provision. Accepting this coverage will

cancel out Your benet. If the rental company insists that You

purchase their insurance or collision damage waiver, call the

Benet Administrator for assistance.

Before driving out of the lot, check the rental car for any prior

damage and bring any damage You identify to the attention of

the rental car company.

This benet is in eect during the time the rental car is in Your (or

an authorized driver’s) control, and terminates when the rental

company reassumes control of their vehicle.

This benet is available in the United States and most foreign

countries. Coverage is not available where precluded by law, or

where it’s in violation of the territory terms of the auto rental

agreement, or when prohibited by individual merchants. If

you have questions about where coverage applies, contact the

Benet Administrator before You travel.

What Vehicles Are Not Covered?

Certain vehicles are not covered by this benet, including: high value

motor vehicles, exotic and antique cars (cars over twenty (20) years

old or that have not been manufactured for ten (10) years or more),

cargo vans, vehicles with open cargo beds, trucks, (other than pick-

ups), motorcycles, mopeds, motorbikes, limousines, recreational

vehicles, and passenger vans with seating for more than nine (9)

people, including the driver (passenger vans with seating for nine (9)

or less, including the driver, are covered).

• Examples of high value motor vehicles or exotic car brands not

covered are Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari,

Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche,

Rolls Royce, and Tesla; However, selected models of Audi, BMW,

If you're outside of the US, call collect at 1-804-673-1691

4 For questions, call 1-888-320-9961 if you're in the US

Mercedes-Benz, Cadillac, Inniti, Land Rover, Lexus, Lincoln, and

Range Rover are covered.

Wondering if coverage applies to a specic type of vehicle?

Contact the Benet Administrator.

What’s Not Covered?

The Auto Rental Collision Damage Waiver benet does not apply to:

• Any obligation You assume under any agreement (other than the

deductible on Your personal auto policy)

• Any violation of the auto rental agreement or this benet

• Injury of anyone, including you, or damage to anything, inside or

outside the Rental Vehicle

• Loss or theft of personal belongings

• Personal liability

• Expenses assumed, waived or paid by the auto rental company or

its insurer

• The cost of any insurance or collision damage waiver oered by or

purchased through the auto rental company

• Depreciation of the Rental Vehicle caused by the incident

including, but not limited to, “diminished value”

• Expenses reimbursable by Your insurer, employer, or

employer’s insurance

• Theft or damage due to intentional acts or due to the driver(s)

being under the inuence 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 o-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)

• Conscation by authorities

• Vehicles that do not meet the denition of covered vehicles

• Rental periods that either exceed or are intended to exceed

thirty-one (31) days

• Leases and mini leases

• Theft or damage resulting from the authorized driver’s and/or

cardholder’s lack of reasonable care in protecting the Rental

Vehicle before and/or after damage or theft occurs (for example,

leaving the car running and unattended)

• Theft or damage reported more than one hundred (100) days*

after the date of the incident

• Theft or damage for which a claim form has not been received

within one hundred twenty (120) days* from the date of

the incident

• Theft or damage for which all required documentation has not

been received within three hundred sixty-ve (365) days after the

date of the incident

• Vehicles that are not rented from a Rental Agency

• Damage to the interior bed of a pick-up truck unless such

damage is caused by or the result of a covered loss, such as

theft or collision

• Damage to a pick-up truck that is a result of loading or

unloading objects into the bed

If you're outside of the US, call collect at 1-804-673-1691

• Losses caused by or resulting from a Cyber Incident

*Not applicable to residents in certain states

How Do You File a Claim?

It is Your responsibility as a cardholder to make every eort to

protect Your Rental Vehicle from damage or theft. If You have an

accident or Your Rental Vehicle has been stolen, follow these steps to

le Your claim:

1. At the time of the theft or damage, or when You return the

Rental Vehicle, request the following documents from Your car

rental company:

• Copy of the accident report form

• Copy of the initial and nal auto rental agreements (front and back)

• Copy of the repair estimate and itemized repair bill

• Two (2) photographs of the damaged vehicle, if available

• Police report, if obtainable

• Copy of the demand letter indicating the costs You are

responsible for and any amounts that have been paid toward

the claim

2. C

all the Benet Administrator to report the theft or damage,

regardless of who is at fault and whether Your liability has been

established, as soon as possible but no later than one hundred

(100) days from the date of the incident. Any claim containing

charges that would not have been included if notication occurred

before the expenses were incurred may be declined, so it is

important to notify the Benet Administrator immediately after an

incident. Reporting to any other person will not fulll this obligation.

3. Submit the documents listed above along with the following

documents to the Benet Administrator:

• Completed and signed Auto Rental Collision

Damage Waiver claim form postmarked within

one hundred twenty (120) days* of the theft or damage date,

even if all other required documentation is not yet available, or

Your claim may be denied

• Credit card Account statement (showing the last four (4) digits of

the Account number) reecting the charge for the rental transaction

• Any other documentation required by the Benet Administrator

to substantiate the claim

*Not applicable to residents in certain states

All documents must be postmarked within three hundred sixty-ve

(365) days of the theft or damage date, or Your claim may be denied.

Filing online is faster: visit www.eclaimsline.com

Transference of Claims

After Your claim is paid, Your rights and remedies against any

party in regard to the theft or damage is transferred to the

Benet Administrator, to the extent of the cost of payment made

to You. You must give the Benet Administrator all assistance

reasonably required to secure all rights and remedies.

Denitions

Account – Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Actual Cash Value – the amount a Rental Vehicle is determined to be

worth based on its market value, age and condition at the time of loss

6 For questions, call 1-888-320-9961 if you're in the US

Eligible Person – a cardholder who pays for their auto rental by

using their eligible Account

Rental Agency – a commercial rental company licensed under the

laws of the applicable jurisdiction and whose primary business is

renting automobiles

Rental Car Agreement – the entire contract an eligible renter

receives when renting a Rental Vehicle from a Rental Agency which

describes in full all of the terms and conditions of the rental, as well

as the responsibilities of all parties under the contract

Rental Vehicle – a land motor vehicle with four or more wheels which

the eligible renter has rented for the period of time shown on the Rental

Car Agreement and is not identied as a noncovered vehicle herein

You or Your - the Eligible Person.

Please see the “Denitions Related to Cyber Incidents” in the General

Provisions and Denitions section at the end of this document for

additional denitions that apply to this benet.

Additional Provisions

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Indemnity Insurance Company of

North America (“Provider”). Coverage may not be available in

all states or certain terms may be dierent where required by

state law.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further, no

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #ARCDW CONPRIM (04/21)

Baggage Delay Insurance

The Baggage Delay benet provides reimbursement for the

emergency purchase of essential items, such as toiletries, clothing,

and chargers for electronic devices (limit one per device), when Your

Baggage is delayed while on an eligible Trip. The maximum benet is

one hundred ($100.00) dollars per day up to a maximum of ve (5)

days. The Baggage Delay benet applies if Your Baggage is delayed

or misdirected for more than six (6) hours and for each additional

twenty-four (24) hour period Your baggage is delayed after the initial

six (6) hours for a maximum of ve (5) days.

The Cardholder and Immediate Family Members are covered when

the Cardholder’s name is embossed on an eligible card issued in

the United States, and the Cardholder charges all or a portion of

the fare to his or her credit card Account and/or Rewards programs

associated with the Account. Immediate Family Member means an

individual with any of the following relationships to the Cardholder:

Spouse, and parents thereof; sons and daughters, including adopted

children and stepchildren; parents, including stepparents; brothers

and sisters; grandparents and grandchildren; aunts or uncles; nieces

or nephews; and Domestic Partner and parents thereof, including

If you're outside of the US, call collect at 1-804-673-1691

Domestic Partners and spouses of any individual of this denition.

Immediate Family Member also includes legal guardians or wards.

Immediate Family Members do not need to be traveling with the

Cardholder for benets to apply.

Benets begin on the Scheduled Departure Date and end on the

Scheduled Return Date. In the event the Scheduled Departure Date

and/or the Scheduled Return Date are delayed, or the point and time

of departure and/or point and time of return are changed because of

circumstances over which You nor the Travel Supplier have control,

the term of coverage will automatically adjust in accordance with

the change.

If the Cardholder charges multiple Common Carrier fares to his or her

Account for a Trip, each Covered Person is eligible to receive the benet.

Trips must occur while the insurance is in-force to be eligible for

this benet.

Please Pay Special Attention to These Conditions of

the Baggage Delay Benet:

• Baggage Delay must be reported to the Travel Supplier to be

eligible for this benet.

• Coverage will not be provided if the Cardholder’s Account is closed

before the Baggage Delay occurs. In no event will the Cardholder’s

cancellation of his or her Account invalidate or reduce any

otherwise valid claim that has already been submitted.

This benet is payable on an excess basis over and above

any amount due from any other valid or collectible insurance

or any other form of reimbursement payable by those responsible

for the loss.

What’s Not Covered?

The Baggage Delay benet does not apply to:

• Hearing aids

• Articial teeth, dental bridges or prosthetic devices

• Tickets, documents, money, securities, checks, travelers checks

and valuable papers

• Business samples

• Jewelry and watches

• Cameras, video recorders and other electronic equipment

• Recreational equipment

• Any loss caused by or resulting from, directly or indirectly: War,

undeclared war, civil war, insurrection, rebellion, revolution,

warlike acts by a military force or personnel, any action taken in

hindering or defending against any of these, the destruction or

seizure of property for a military purpose, or any consequences of

any of these acts regardless of any other direct or indirect cause

or event, whether covered or not, contributing in any sequence to

the loss; War does not include terrorism

How Do You File a Claim?

Follow these steps to le Your claim:

1. Immediately notify the Common Carrier to begin the

Common Carrier’s claim process. You will need to provide proof

that You submitted a report to the Common Carrier, so be sure

to keep a copy of the report for Your records.

8 For questions, call 1-888-320-9961 if you're in the US

2. Call the Benet Administrator within twenty (20) days of the date

Your baggage was delayed or as soon as reasonably possible.

3. Answer a few questions, so the Benet Administrator can

send You the right claim forms and let You know what other

documentation is needed.

4. Return the completed and signed claim form and requested

documentation to the Benet Administrator within

ninety (90) days or as soon as reasonably possible (but no later

than one (1) year after the ninety (90) day deadline).

Filing online is faster: visit www.eclaimsline.com

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

• Written conrmation of the Baggage Delay from the

Common Carrier or Cruise Line

• Credit card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for the Common

Carrier or Cruise Line fare

• Copy of the settlement or denial from the Common Carrier or

Cruise Line

• Copies of receipts for the purchase of essential items over

twenty-ve ($25.00) dollars

• Any other documentation deemed necessary by the

Benet Administrator to substantiate the claim

Denitions

Account – the Cardholder’s credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Baggage – suitcases and the containers specically designated

for carrying personal property and the personal property

contained therein

Baggage Delay – a delay or misdirection of Your Baggage by a

Common Carrier for more than six (6) hours from the time You

arrive at the destination as shown on Your ticket

Cardholder – an individual to whom a credit card Account has been

issued by JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier – any commercially licensed motorized land,

water or air Conveyance, operated by an organization organized and

licensed for the transportation of passengers for hire and operated

by an employee or an individual under contract; Common Carrier

does not include Cruise Lines

Company – Federal Insurance Company

Conveyance – any motorized craft, vehicle or mode of

transportation licensed or registered by a governmental authority

with competent jurisdiction

Covered Person – the Cardholder and the Cardholder’s Immediate

Family Members

Cruise Line – a company that maintains a eet of cruise ships and

markets cruises to the public

Domestic Partner –

a person designated by You who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least eighteen (18) years of age and

If you're outside of the US, call collect at 1-804-673-1691

competent to enter into a contract; is not related to You by blood; has

exclusively lived with You for at least twelve (12) consecutive months

prior to the date of enrollment; is not legally married or separated

and as of the date of enrollment has with You at least two (2) of the

following nancial arrangements: a joint mortgage or lease, a joint

bank account, joint title to or ownership of a motor vehicle or status

as a joint lessee on a motor vehicle lease or a joint credit card account

with a nancial institution; neither You nor the Domestic Partner can

be married to, nor in a civil union with, anyone else

Insured Person – the Cardholder

Recreational Equipment – any equipment that is used to engage

in a particular sport, hobby, game, excursion, or other recreational

activity; and for which You have the requisite license or permit to

own or operate if a license or permit is required

Rewards – points, miles, cash Rewards, or any other type of

redeemable Rewards, as well as any redeposit fees charged

by a Rewards administrator, provided that all Rewards

have been accumulated by the Cardholder through use of

a JPMorgan Chase Bank, N.A. and/or its aliates sponsored

Rewards program

Scheduled Departure Date – the date on which You are originally

scheduled to leave on the Trip

Scheduled Return Date – the date on which You are originally

scheduled to return to the point of origin or to a dierent

nal destination

Spouse – Your husband or wife who is recognized as such by

the laws of the jurisdiction in which You reside; Spouse includes

Domestic Partners or Covered Persons joined by Civil Unions where

applicable by law

Travel Supplier – a Cruise Line, or airline, or railroad or other

Common Carrier

Trip – travel booked through a Travel Supplier when some portion

of the fare for such transportation has been charged to the

Cardholder’s Account or has been paid for with redeemable Rewards

that were accumulated by the Cardholder from a Rewards program

sponsored by JPMorgan Chase Bank N.A. and/or its aliates; Trip

must occur while the insurance is in–force

We, Us and Our – Federal Insurance Company

You or Your – the Covered Person

Additional Provisions

• We have a right to examine under oath, as often as We may

reasonably require, You or Your authorized representative,

if applicable. We may also require You or Your authorized

representative, if applicable, to provide a signed description of

the circumstances surrounding the loss and Your interest in the

loss. You or Your authorized representative, if applicable, will also

produce all records and documents requested by Us and will

permit Us to make copies of such records or documents.

• In the event of a claim under this policy, You or Your authorized

representative must fully cooperate with Us in Our handling of

the claim, including, but not limited to, the timely submission of

all reports that We may require. If We are sued in connection

with a claim under this policy, then You or Your authorized

representative must fully cooperate with Us in the handling of such

suit. JPMorgan Chase Bank, N.A and/or its aliates or You must

not, except at your own expense, voluntarily make any payment or

10 For questions, call 1-888-320-9961 if you're in the US

assume any obligation in connection with any suit without Our prior

written consent.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further, no

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• We will not use any statements, except fraudulent misstatements,

made by You to void the insurance or reduce benets payable

under this policy, or to otherwise contest the validity of this policy,

unless such statements are contained in a written document

signed by You. If We rely on such statements for this purpose,

then We will provide a copy of the written document to You,

as appropriate.

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Federal Insurance Company.

Coverage may not be available in all states or certain terms

may be dierent where required by state law.

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #BAGDELAY CON (02/19)

Extended Warranty Protection

Extended Warranty Protection extends the time period of warranty

coverage by one (1) additional year on original eligible warranties

of three (3) years or less. Coverage is limited to the original

price of the purchased item (as shown on Your itemized sales

receipt), less shipping and handling fees, up to a maximum of

ten thousand ($10,000.00) dollars per claim and a maximum of

fty thousand ($50,000.00) dollars per Account. The benet applies

to purchases made both inside and outside the U.S. The eligible

item must have a valid original manufacturer’s U.S. repair warranty

of three (3) years or less, a store-purchased dealer warranty, or an

assembler warranty. Eligible items given as gifts can also be covered.

You are eligible for this benet when Your name is embossed on

an eligible card issued in the United States, and You charge all or a

portion of the cost of an eligible item to Your credit card Account

and/or rewards programs associated with Your Account.

If You received or purchased any other applicable extended

warranty when You purchased Your item, this benet will be

supplemental to and in excess of that coverage.

How Do You Register a Purchase for

Warranty Registration?

When You purchase an eligible item that carries a manufacturer’s

warranty, You have the option to register Your purchase by calling the

Benet Administrator or by going online to register Your purchase at

www.cardbenetservices.com.

The Benet Administrator will tell

You where to send copies of Your item’s sales receipt and warranty

information, so they can be kept on le should You need them. While

registration is not required for Extended Warranty Protection, You are

encouraged to consider registration to help You take full advantage

of Your warranties.

If You choose not to register Your item, be sure to keep Your

Chase credit card statement (showing the last four (4) digits of the

If you're outside of the US, call collect at 1-804-673-1691

Account number) reecting the purchase, the itemized sales receipt,

the original manufacturer’s written U.S. warranty, and any other

applicable warranty You received or purchased when You bought

Your item. These documents will be required to verify Your claim.

How Does Extended Warranty Protection Work?

The Extended Warranty Protection benet extends a valid original

manufacturer’s U.S. repair warranty of three (3) years or less or

a store-provided or store-purchased dealer warranty by one (1)

additional year. Coverage is limited to 4 years for a three-year

warranty. This coverage begins at the end of any cumulative

warranties, provided or purchased, and provides 12 months

coverage after those warranties have expired. All coverage is

secondary and only covers what would have been covered under the

original or store provided or store-purchased warranty.

For example, a manufacturer’s warranty of three (3) months would

be provided with an additional twelve (12) months of coverage

for a combined total of fteen (15) months of coverage. If the

manufacturer’s warranty is for three (3) years, it would be extended

one (1) additional year for a combined total of four (4) years.

What’s Not Covered?

The Extended Warranty Protection benet does not cover the

following purchases:

• 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 specically covered under the terms

of the original manufacturer’s written U.S. repair warranty, as

supplied by the original manufacturer or other eligible warranty

• Items purchased for resale, professional, or commercial use

• Rented or leased items

• Computer software

• Medical equipment

• Used or pre-owned items (a refurbished item will be covered as

long as it has a warranty with it and would not be considered used

or pre-owned)

• Losses caused by or resulting from a Cyber Incident

How Do You File a Claim?

Follow these steps to le Your claim:

1. Contact the Benet Administrator immediately after the failure

of Your covered item. Please note that if You do not notify

the Benet Administrator within ninety (90) days of product

failure, Your claim may be denied. Gift recipients of eligible items

are also covered, but they must provide all the documents needed

to substantiate their claim.

2. The Benet Administrator will ask You some preliminary

questions, direct You to the appropriate repair facility, and send

You the claim form.

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator, and submit it within

one hundred twenty (120) days of the product failure along

with the required documents.

Filing online is faster: visit www.cardbenetservices.com

12 For questions, call 1-888-320-9961 if you're in the US

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Chase credit card statement (showing the last four (4) digits of the

Account number) demonstrating that the purchase was made on

Your Account

• If more than one method of payment was used, please provide

documentation as to additional currency, voucher, points, or any

other payment method utilized

• Copy of the itemized sales receipt

• Copy of the original manufacturer’s written U.S. warranty, and any

other applicable warranty

• Description of the item, its serial number, and any other

documentation deemed necessary to substantiate Your claim

(this includes bills and, if necessary, a copy of the maintenance

record and receipts)

• Original repair estimate or repair bill, indicating cause of failure

• Any other documentation deemed necessary by the

Benet Administrator to substantiate the claim

How Will You Be Reimbursed?

If You have substantiated Your claim and met the terms and

conditions of the benet, Your item will be replaced or repaired at

the Benet Administrator’s discretion for no more than the original

purchase price of the covered item as recorded on Your credit

card receipt, less shipping and handling fees, up to a maximum

of ten thousand ($10,000.00) dollars per claim and a maximum

of fty thousand ($50,000.00) dollars per Account. You will be

reimbursed up to the amount charged to Your Account or the

program limit, whichever is less. Any purchases made using rewards

points associated with the Account are eligible for this benet, and

You will only be reimbursed up to the dollar amount to replace or

repair the item or the program limit, whichever is less.

If Your item is to be repaired, You may go to an authorized repair

facility and le a claim for reimbursement. Only valid and reasonable

repairs made at the manufacturer’s authorized repair facility

are covered.

In either case, the Benet Administrator’s payment, replacement, or

repair made in good faith will fulll the obligation under this benet.

Denitions

Account – Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Eligible Person – a cardholder who pays for their purchase by using

their eligible Account and/or rewards programs associated with their

covered Account

You or Your – the Eligible Person.

Please see the “Denitions Related to Cyber Incidents” in the General

Provisions and Denitions section at the end of this document for

additional denitions that apply to this benet.

Additional Provisions

• This information is a brief description of the important features of

this insurance plan. It is not an insurance contract. Insurance benets

are underwritten by Indemnity Insurance Company of North

America (“Provider”). Coverage may not be available in all states or

certain terms may be dierent where required by state law.

If you're outside of the US, call collect at 1-804-673-1691

Lost Luggage Reimbursement

The Lost Luggage benet provides reimbursement for the dierence

between the actual cash value (replacement cost less depreciation)

and any reimbursement provided by the Common Carrier for the

costs You incur to repair or replace Your Checked Baggage, Carry-on

Baggage, and/or personal property contained within due to loss,

damage, or theft occurring during a Trip.

Your Checked and Carry-on Baggage each have a maximum

benet up to three thousand ($3,000.00) dollars per

Covered Person per Trip. Both include a sub-limit up

to ve hundred ($500.00) dollars for jewelry and watches

and a sub-limit up to ve hundred ($500.00) dollars for cameras

and other electronic equipment per Covered Person per Trip. The

benet amounts for jewelry, watches, cameras, video recorders,

and other electronic equipment are part of and not in addition to

the maximum benet amount. Payment of these benet amounts

reduces and does not increase the maximum benet.

Items You inadvertently leave behind on the Common Carrier are

not considered lost or stolen.

The Cardholder and Immediate Family Members are covered when

the Cardholder’s name is embossed on an eligible card issued in the

United States, and the Cardholder charges all or a portion of the fare

to his or her credit card Account and/or Rewards programs associated

with the Account. Immediate Family Member means an individual

with any of the following relationships to the Cardholder: Spouse, and

parents thereof; sons and daughters, including adopted children and

stepchildren; parents, including stepparents; brothers and sisters;

grandparents and grandchildren; aunts or uncles; nieces or nephews;

and Domestic Partner and parents thereof, including Domestic Partners

and spouses of any individual of this denition. Immediate Family

Member also includes legal guardians or wards. Immediate Family

Members do not need to be traveling with the Cardholder for benets

to apply.

Benets begin on the Trip’s Scheduled Departure Date and end on

the Scheduled Return Date. In the event the Scheduled Departure

Date and/or the Scheduled Return Date are delayed, or the point

and time of departure and/or point and time of return are changed

because of circumstances over which You nor the Travel Supplier

have control, the term of coverage shall be automatically adjusted in

accordance with this change. In order for benets to apply, the loss

must occur during the policy period.

If the Cardholder charges multiple Common Carrier fares to his or

her Account for a Trip, each Covered Person is eligible to receive

the benet.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further, no

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #EWP CON 10K/50K/3YR (04/21)

14 For questions, call 1-888-320-9961 if you're in the US

Please Pay Special Attention to These

Conditions of the Lost Luggage Benet:

• If Your Checked Baggage is lost, stolen, or damaged by the

Common Carrier or Cruise Line, the loss must be reported to the

Common Carrier or Cruise Line within the Common Carrier’s or

Cruise Line’s required timeframe for notication to be eligible for

this benet.

• If Your Carry-On Baggage is lost, stolen, or damaged by

the Common Carrier or Cruise Line, it must be reported

to the Common Carrier or Cruise Line as soon as You exit

the Conveyance.

• This benet does not apply to any loss caused by or resulting

from, directly or indirectly: War, undeclared war, civil war,

insurrection, rebellion, revolution, warlike acts by a military force

or personnel, any action taken in hindering or defending against

any of these, the destruction or seizure of property for a military

purpose, or any consequences of any of these acts regardless

of any other direct or indirect cause or event, whether covered

or not, contributing in any sequence to the loss. War does not

include terrorism.

This benet is payable on an excess basis over and above any

amount due from any other valid or collectible insurance or any

other form of reimbursement payable by those responsible for

the loss.

What’s Not Covered?

The Lost Luggage benet does not apply to loss or theft of the following:

• Items that have been removed from Carry-On Baggage by You and

inadvertently left behind on the Common Carrier or Cruise Line

• Documents or valuable papers

• Money

• Securities

• Tickets

• Checks

• Travelers’ checks

• Furs

How Do You File a Claim?

Follow these steps to le Your claim:

1. Immediately notify the Common Carrier or Cruise Line to begin

their claims process. You will need to provide proof that You

submitted a report to the Common Carrier, so please keep a

copy of the report for Your records.

2. Call the Benet Administrator within twenty (20) days of the

date Your baggage was lost, damaged, or stolen or as soon as

reasonably possible.

3. The Benet Administrator will ask You a few questions, let You

know what other documentation is needed, and send You a claim

form within fteen (15) days.

4. Return the completed and signed claim form and requested

documentation to the Benet Administrator within

ninety (90) days.

Filing online is faster: visit www.eclaimsline.com

If you're outside of the US, call collect at 1-804-673-1691

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

• Credit card Account statement (showing the last four (4)

digits of the Account number) reecting the charge for the

Common Carrier or Cruise Line fare

• Written conrmation that the claim was led with the

Common Carrier or Cruise Line

• Copy of the settlement or denial from the Common Carrier or

Cruise Line

• Copies of receipts for the purchase of replacement items over

twenty-ve ($25.00) dollars

• Copies of original receipts

• Any other documentation deemed necessary by the

Benet Administrator to substantiate the claim

Denitions

Account – the Cardholder’s credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Cardholder – an individual to whom a credit card Account has been

issued by JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier –any commercially licensed motorized land, water

or air Conveyance, operated by an organization organized and

licensed for the transportation of passengers for hire and operated

by an employee or an individual under contract; Common Carrier

does not include Cruise Lines

Company – Federal Insurance Company

Conveyance – any motorized craft, vehicle or mode of

transportation licensed or registered by a governmental authority

with competent jurisdiction

Covered Person – the Cardholder and the Cardholder’s Immediate

Family Members

Cruise Line – a company that maintains a eet of cruise ships and

markets cruises to the public

Domestic Partner – a person designated by You who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least eighteen (18) years of

age and competent to enter into a contract; is not related to You

by blood; has exclusively lived with You for at least twelve (12)

consecutive months prior to the date of enrollment; is not legally

married or separated and as of the date of enrollment has with

You at least two (2) of the following nancial arrangements: a joint

mortgage or lease, a joint bank account, joint title to or ownership of

a motor vehicle or status as a joint lessee on a motor vehicle lease

or a joint credit card account with a nancial institution; neither You

nor the Domestic Partner can be married to, nor in a civil union with,

anyone else

Insured Person – the Cardholder

Rewards – points, miles, cash rewards, or any other type of

redeemable Rewards, as well as any redeposit fees charged

by a Rewards administrator, provided that all Rewards

have been accumulated by the Cardholder through use of

a JPMorgan Chase Bank, N.A. and/or its aliates sponsored

Rewards program

16 For questions, call 1-888-320-9961 if you're in the US

Scheduled Departure Date – the date on which You are originally

scheduled to leave on the Trip

Scheduled Return Date – the date on which You are originally

scheduled to return to the point of origin or to a dierent

nal destination

Spouse – Your husband or wife who is recognized as such by the

laws of the jurisdiction in which You reside; Spouse includes Domestic

Partners or Covered Persons joined by Civil Unions where applicable

by law

Travel Supplier – a Cruise Line, or airline, or railroad or other

Common Carrier

Trip – travel booked through a Travel Supplier when some portion

of the fare for such transportation has been charged to the

Cardholder’s Account issued by JPMorgan Chase Bank, N.A. and/or

its aliates or has been paid for with redeemable Rewards that were

accumulated by the Cardholder from a Rewards program sponsored

by JPMorgan Chase Bank, N.A. and/or its aliates; Trip must occur

while the insurance is in-force

We, Us and Our – Federal Insurance Company

You or Your – the Covered Person

Additional Provisions

• We have a right to examine under oath, as often as We may

reasonably require, You or Your authorized representative,

if applicable. We may also require You or Your authorized

representative, if applicable, to provide a signed description of

the circumstances surrounding the loss and Your interest in the

loss. You or Your authorized representative, if applicable, will also

produce all records and documents requested by Us and will

permit Us to make copies of such records or documents.

• In the event of a claim under this policy, You or Your authorized

representative must fully cooperate with Us in Our handling of

the claim, including, but not limited to, the timely submission of

all reports that We may require. If We are sued in connection

with a claim under this policy, then You or Your authorized

representative must fully cooperate with Us in the handling of

such suit. JPMorgan Chase Bank, N.A and/or its aliates or You

must not, except at Your own expense, voluntarily make any

payment or assume any obligation in connection with any suit

without Our prior written consent.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further, no

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• We will not use any statements, except fraudulent misstatements,

made by You to void the insurance or reduce benets payable

under this policy, or to otherwise contest the validity of this policy,

unless such statements are contained in a written document

signed by You. If We rely on such statements for this purpose,

then We will provide a copy of the written document to You,

as appropriate.

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Federal Insurance Company.

Coverage may not be available in all states or certain terms may

be dierent where required by state law.

If you're outside of the US, call collect at 1-804-673-1691

Purchase Protection

Purchase Protection protects against theft of, damage to, or

involuntary and accidental parting with new retail purchases within

one hundred twenty (120) days from the date of purchase.

Involuntary and accidental parting with property means the

unintended separation from an item of personal property when its

location is known, but recovery is impractical to complete. At the

Benet Administrator’s discretion, this benet replaces or repairs the

item or reimburses You up to the total purchase price of Your item

for a maximum of ve hundred ($500.00) dollars per claim and

fty thousand ($50,000.00) dollars per Account.

You are eligible for this benet when Your name is embossed on

an eligible card issued in the United States, and You charge all or a

portion of the cost of the item to Your credit card Account and/or

rewards programs associated with Your Account.

Your maximum recovery under the Purchase Protection benet

is the purchase price of the item as recorded on the eligible card

receipt, not to exceed the coverage limit

What is Covered?

• Eligible items of personal property purchased with Your Account

and/or rewards programs associated with Your Account

• Eligible purchases made outside the United States when

purchased with Your Account and/or rewards program associated

with Your Account

• Gifts purchased for friends and family members if purchased

with Your Account and/or rewards programs associated with

Your Account

• The outstanding deductible portion of Your other applicable

insurance or indemnity for eligible claims

What’s Not Covered?

The Purchase Protection benet does not cover the

following purchases:

• Animals and living plants

• Antiques or collectible items

• Boats, aircraft, automobiles, and any other motorized vehicles

and their motors, equipment, or accessories, including trailers and

other items towable by or attachable to any motorized vehicle

• Computer software

• Items purchased for resale, professional, or commercial use

• Items that are lost, or that “mysteriously disappear,” meaning

they vanished in an unexplained manner, with no evidence of

wrongdoing by one person

• Items under the control and care of a common carrier, including

the U.S. Postal Service, airplanes, or a delivery service

• Items in Your baggage on a common carrier unless hand carried

or under Your supervision or that of a companion You know,

including but not limited to, jewelry, and watches

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #LOSTLUG CON (02/19)

18 For questions, call 1-888-320-9961 if you're in the US

• Theft or damage stemming from abuse, fraud, hostilities (war,

invasion, rebellion, insurrection, terrorist activities, and more);

conscation by authorities (if contraband or illegal); normal wear

and tear; ood, earthquake, radioactive contamination; damage

from inherent product defects

• Theft or damage from mis-delivery, or voluntarily parting

with property

• Medical equipment

• Perishable or consumable items, including but not limited to,

cosmetics, perfumes and rechargeable batteries

• Traveler’s checks, cash, tickets, credit or debit cards, among other

negotiable purchased instruments

• Items used or pre-owned (refurbished items will not be considered

used or pre-owned if accompanied by a warranty)

• Losses caused by or resulting from a Cyber Incident

Please Pay Special Attention to These

Conditions of Purchase Protection:

• If Your loss involves a portion of a pair or set, You will only be

reimbursed for the stolen or damaged item, not the total value

of the pair or set. This does not apply to items normally sold as

pairs or sets that are not replaceable by purchasing one piece of

the pair or set. In this case, before the claim can be nalized, the

individual item must be returned to the Benet Administrator.

• If the purchase was stolen from the delivery location, You are rst

required to le a claim with the common carrier and/or retailer.

• If You have insurance (homeowner’s, renter’s, car, employer, or

any other), You are required to le a claim with Your insurance

company, unless the claim amount is below Your deductible. You

are required to submit a copy of any claim settlement along with

Your claim form, or a copy of Your insurance declarations page

conrming the deductible amount.

• Purchase Protection provides coverage on an “excess” coverage

basis, meaning it does not duplicate coverage but pays for

a loss only after valid and collectible insurance or indemnity

(including, but not limited to, homeowner’s, renter’s, automobile,

common carrier, retail or employer’s insurance policies) has been

exhausted. At that point, Purchase Protection will cover the loss

up to the amount charged to Your Account, subject to the terms,

exclusions, and limits of liability of the benet.

How Do You File a Claim?

Follow these steps to le Your claim:

1. Call the Benet Administrator within ninety (90) days of the

damage, theft, or involuntary and accidental parting. Please

note that if You do not notify the Benet Administrator within

ninety (90) days of product failure, Your claim may be denied.

Gift recipients may le their own claims if they have the necessary

substantiating documents.

2. Answer a few questions, so the Benet Administrator can send

You the right claim forms and let You know what other

documentation is needed.

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator within one hundred

twenty (120) days of the damage, theft, or involuntary and

accidental parting.

Filing online is faster: visit www.eclaimsline.com

If you're outside of the US, call collect at 1-804-673-1691

What Documents Will You Need to Provide?

Be sure to include all information regarding Your claim, including

the time, place, cause and the amount to either replace or repair the

item. The Benet Administrator will provide the details, but generally

You should be prepared to send:

• Completed and signed claim form

• Credit card Account statement (showing the last four (4) digits of

the Account number) demonstrating that the purchase was made

on Your Account

• If more than one method of payment was used, please provide

documentation as to additional currency, voucher, points, or any

other payment method utilized

• Copy of the itemized store receipt demonstrating that the

purchase was made on Your Account

• Copy of the documentation of any other settlement of the loss

(if applicable)

• If the item is repairable, the estimate of repair or a copy of the

paid receipt/invoice for the repairs, indicating the type of damage

to the claimed item (if applicable)

• Copy of the police report (made within forty-eight (48) hours

of the occurrence in the case of theft), re report or incident

report to substantiate the loss; if the loss was not reported, please

provide a replacement receipt or other sucient proof of loss

deemed eligible solely by Your Benets Administrator (if applicable)

• Any other documentation deemed necessary by the

Benet Administrator to substantiate the claim

In some cases of damage, You will be asked to send the damaged

item, at Your expense, along with Your claim in order to substantiate

the claim, so make sure to keep the damaged item in Your possession.

How Will You Be Reimbursed?

Once You have met the conditions of this benet, the Benet

Administrator will resolve Your claim in one of two ways:

• A damaged item may be repaired, rebuilt, or replaced, and a stolen

item will be replaced. Typically, You will receive notice of this decision

within fteen (15) days of receipt of Your claim documentation.

• You may receive payment to replace Your item, an amount

not more than the original purchase price, less shipping and

handling charges, up to ve hundred ($500) dollars per claim

and fty thousand ($50,000) dollars per Account. You will only be

reimbursed up to the dollar amount to replace or repair the item

or the program limit, whichever is less.

• Any purchases made using rewards points associated with

the Account are eligible for this benet, and You will only be

reimbursed up to the dollar amount to replace or repair the item

or the program limit, whichever is less.

Denitions

Account – Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Covered Purchase – an item purchased by an Eligible Purchaser

and paid for by using an eligible Account, subject to the exclusions

set forth in this Policy; for a purchase to be considered a Covered

Purchase, the entire purchase amount for the item must have been

made through the eligible Account; Covered Purchase also includes

an item purchased by an Eligible Purchaser and paid for by using an

eligible Account in combination with other tender (such as rewards

programs, cash, gift cards, store credit)

20 For questions, call 1-888-320-9961 if you're in the US

Eligible Person – a cardholder who pays for their purchase by using

their eligible Account and/or rewards programs associated with their

covered Account

Eligible Purchaser – a person to whom an eligible Account is issued

and who agrees to use the transaction Account medium and has

charged the purchase to the eligible Account; reimbursement is

extended to losses incurred by a person other than the Eligible

Purchaser if that person is the recipient of the item purchased and

follows the Terms and Conditions of this coverage; no person or

entity shall have any legal or equitable right, remedy or claim for

reimbursement and/or damages under or arising out of this coverage

You or Your – the Eligible Person.

Please see the “Denitions Related to Cyber Incidents” in the General

Provisions and Denitions section at the end of this document for

additional denitions that apply to this benet.

Additional Provisions

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Indemnity Insurance Company of

North America (“Provider”). Coverage may not be available in

all states or certain terms may be dierent where required by

state law.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further,

no legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #PURPRO CON 10k (04/21)

Roadside Dispatch

Roadside Dispatch is a pay-per-use roadside assistance program

which provides you with security and convenience when You need

help, whether you need a tow or roadside service. Dependable

roadside assistance is available 24 hours a day, 7 days a week in

the United States. No membership or pre-enrollment is required.

Just call 1-800-847-2869.

What is Covered?

For a pre-negotiated, per service fee, the program provides you with:

• Standard towing – up to ve (5) miles included

• Tire changing – must have good, inated spare

• Jump start

• Lockout service – not including key replacement

• Fuel delivery – up to ve (5) gallons, where permissible, plus the

fuel cost

• Standard winching

How Does It Work?

Call 1-800-847-2869 to access roadside assistance.

• Roadside Dispatch will ask You for Your location and details of

the problem. While You remain on the phone, assistance will be

arranged with a reliable tow operator or locksmith for assistance.

If you're outside of the US, call collect at 1-804-673-1691

• Emergency road service is not available in areas not regularly

traveled, in “o-road” areas not accessible by ordinary towing

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

or vehicles-in-tow.

• You are responsible for emergency road service charges incurred by

towing facilities responding to your dispatch, even if you are not with

your car (or it’s gone) when the tow truck arrives.

• If you have a rental vehicle, be sure to call the car rental agency

before you call Cross Country Motor Club, as many rental agencies

have special procedures regarding emergency road service.

If you feel You are in an unsafe location, Roadside Dispatch will

advise you to hang up and dial 911. If you are not able to dial

911, we will call the non-emergency police number in your area

and remain on the phone with you at your request until the

police arrive.

What Fees Apply?

• The fee for a standard service call is provided when you contact us

for assistance.

• Customers must pay Cross Country Motor Club at the time of

dispatch for any services in excess of the benet limit, such as for

mileage over ve (5) miles.

• A secondary unit being towed behind is not included but can be

accommodated for an additional fee.

• Standard winching applies within one hundred (100) feet of paved

or county-maintained road only.

• Additional fees may apply for winching services under

certain circumstances.

• Service call fees are subject to change at any time; however, callers

will be notied of pricing prior to any service dispatch.

This program may be discontinued at any time without prior

notice. Program void where prohibited.

Additional Terms: Any vehicle with wheels is covered under this

program as long as it can be classied as ‘Light Duty’. ‘Light Duty’

vehicles are vehicles that weigh ten thousand (10,000) pounds or

less. Vehicles weighing more than ten thousand (10,000) pounds are

considered ‘Medium Duty’ or ‘Heavy Duty’ and are not covered under

this program. Service providers supplying emergency roadside assis-

tance and towing are independent contractors and are solely liable

for their services. Neither Visa nor Chase shall have any responsibili-

ty or liability in connection with the rendering of the service. Weather

conditions, time of day, and availability of service may aect assis-

tance responses. Expectations for dispatch are set with the customer

on every call, and an expected estimated time of arrival is provided

to the customer regardless of their location; however, neither Visa

nor Chase provides any assurances as to the ability of the Service

Provider to meet such estimates. Services provided by Cross Country

Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and

Cross Country Motor Club of California, Inc. a California corporation.

Please see “General Provisions and Denitions” section at the end of

this document.

FORM #RDAST24 (05/21)

22 For questions, call 1-888-320-9961 if you're in the US

Travel Accident Insurance

The Cardholder and Immediate Family Members are covered when

the Cardholder’s name is embossed on an eligible Card issued in

the United States, and the Cardholder charges all or a portion of

a Scheduled Airline fare to his or her Credit Card Account and/or

Rewards programs associated with the Account. Immediate Family

Member means an individual with any of the following relationships

to the Cardholder: Spouse, and parents thereof; sons and daughters,

including adopted children and stepchildren; parents, including

stepparents; brothers and sisters; grandparents and grandchildren;

aunts or uncles; nieces or nephews; and Domestic Partner and

parents thereof, including domestic partners and spouses of any

individual of this denition. Immediate Family Member also includes

legal guardians or wards.

What Are the Benet Amounts?

Coverage

Loss of Life Benet Amount

per Insured Person

Common Carrier Travel

Accident Insurance

$500,000.00

24 Hour Travel

Accident Insurance

$100,000.00

The policies will pay the following percentages of the Loss of Life

benet amount for specic Losses:

In the event a Loss is eligible for payment under both the Common

Carrier Travel Accident benet and the Twenty-Four (24) Hour Travel

Accident benet, if You suer multiple covered Losses as the result

of one (1) Accident, the Company will only pay the single largest

Benet Amount applicable to all covered Losses.

If more than one Insured Person covered under the same Account

suers a Loss in the same Accident, the Company will not pay more

than two (2) times the applicable Benet Amount (the aggregate limit

of insurance). If an Accident results in Benet Amounts becoming

payable, which when totaled, exceed two (2) times the applicable

Benet Amount, the aggregate limit of insurance will be divided

proportionally, based on applicable benet amounts owed to all

covered persons.

Loss

Percentage of Loss of Life

Benet Amount

Loss of Speech and Loss of

Hearing; Loss of Speech or Hearing

and Loss of one Hand, Foot or

Sight of One Eye; Loss of Both

Hands; Loss of Both Feet; Loss

of Sight of Both Eyes; Loss of a

combination of any two of a Loss

of Hand, Loss of Foot or Loss of

Sight of One Eye

100%

Loss of One Hand; Loss of One

Foot; Loss of Sight of One Eye; Loss

of Speech; Loss of Hearing

50%

Loss of Thumb and Index Finger of

the same hand

25%

If you're outside of the US, call collect at 1-804-673-1691

If, subject to all the terms and conditions of this policy You are

eligible for insurance under multiple Accounts, then You will only

be insured once, under the Account which provides You the largest

Benet Amount for the loss that has occurred.

All benets, except for Loss of Life, are paid to You. Loss of Life

benets are paid to the beneciary at the time of death. If You

have not chosen a beneciary or if there is no beneciary alive

when You die, then the Company will pay the benet to Your

survivors in the following order: 1) Your Spouse or Domestic

Partner; 2) Your child(ren); 3) Your parents; 4) Your brothers and

sisters; and 5) Your estate. You have the right to name a beneciary.

Beneciary designations must be submitted in writing to the

Benet Administrator. If any beneciary has not reached the legal

age of majority, then the Company will pay such beneciary’s

legal guardian.

What Losses Are Covered Under the

Common Carrier Travel Accident Benet?

Common Carrier Travel Accident Insurance provides coverage for

a broad range of Losses – including Accidental Loss of Life, Limb,

Sight, Speech or Hearing – that occur while riding as a passenger

in, entering, or exiting any Common Carrier. Coverage also extends

to cover You while 1) You are riding as a passenger, entering,or

exiting any Conveyance licensed to carry the public for hire or

2) any Courtesy Transportation provided without a specic charge

and while traveling to and from the airport, terminal, or station:

a) immediately preceding the departure of the scheduled Common

Carrier on which You have purchased passage; or b) immediately

following the arrival of the scheduled Common Carrier on which You

were a passenger; or 3) while at the airport, station, or terminal at

the beginning or end of a Common Carrier Covered Trip.

A Common Carrier is any motorized land, water, or air Conveyance

operated by an organization, structured and licensed for the

transportation of passengers for hire and operated by an employee

of such organization or an individual under contract.

If the purchase of the Common Carrier passenger fare is not made

prior to Your arrival at the airport, terminal, or station, coverage

will begin at the time a portion of the cost of the Common Carrier

passenger fare is charged to the Cardholder’s Account.

What Losses Are Covered Under the

Twenty-Four (24) Hour Travel Accident Benet?

Twenty-Four (24) Hour Travel Accident Insurance provides coverage

for a wide range of Losses that can happen when an Accident occurs

while traveling – including Accidental Loss of Life, Limb, Sight, Speech

or Hearing – on a twenty-four (24) hour basis. Coverage activates

when travel begins on the departure date printed on Your Scheduled

Airline ticket and ends on the return date printed on Your Scheduled

Airline ticket for trips up to thirty (30) days. For covered trips more

than thirty (30) days in length, coverage will end at 12:01 a.m. on the

thirty-rst (31st) day of the trip. Coverage will be reactivated only

for Your return trip while You are 1) on a Scheduled Airline; 2) riding

as a passenger in, entering, or exiting any Conveyance licensed to

carry the public for hire or any Courtesy Transportation provided

without a specic charge and while traveling to and from the airport:

a) immediately preceding the departure of the scheduled Common

Carrier on which You have purchased passage; or b) immediately

following the arrival of the scheduled Common Carrier on which You

24 For questions, call 1-888-320-9961 if you're in the US

were a passenger; or 3) while at the airport immediately preceding

or following departure.

For Both Common Carrier Travel Accident Insurance and

Twenty-Four (24) Hour Travel Accident Benets:

• If, due to an Accident, You have not been found within one (1) year

of the disappearance, stranding, sinking, or wrecking of any

Conveyance in which You were an occupant at the time of

the Accident, then it will be assumed that You have suered a

Loss of Life while insured under the policy.

• If, due to an Accident, You are unavoidably exposed to the

elements and as a result of this exposure suer a Loss, this will be

covered under the policy.

In order to be covered under either policy, the Loss must occur

within one (1) year after the Accident.

What’s Not Covered?

The Travel Accident Insurance does not apply to any Accident,

Accidental Bodily Injury, or Loss caused by or resulting from, directly

or indirectly:

• You entering, or exiting any aircraft while acting or training

as a pilot or crew member; this exclusion does not apply to

passengers who temporarily perform pilot or crew functions in a

life-threatening emergency

• Your emotional trauma, mental or physical illness, disease,

pregnancy, childbirth or miscarriage, bacterial or viral infection,

bodily malfunctions, or medical or surgical treatment or diagnosis

thereof; this exclusion does not apply to Your bacterial infection

caused by an Accident or by Accidental consumption of a

substance contaminated by bacteria

• Your commission or attempted commission of any illegal act

including but not limited to any felony

• Any occurrence while You are incarcerated

• You participating in parachute jumping from an aircraft

• You being engaged in or participating in a motorized vehicular

race or speed contest

• Commutation

• You participating in any professional sporting activity for which

You received a salary or prize money

• You traveling or ying on any aircraft engaged in ight on a

rocket-propelled or rocket-launched aircraft

• Your suicide, attempted suicide or intentionally self-inicted injury

• A declared or undeclared War

How Do You File a Claim?

Follow these steps to le Your claim:

1. Call the Benet Administrator within twenty (20) days of the date

of Your Accident or Loss or as soon as reasonably possible. Notice

must include enough information to identify You. Failure to give

Claim Notice within twenty (20) days will not invalidate or reduce any

otherwise valid claim if notice is given as soon as reasonably possible.

2. When We receive notice of a claim We will, within fteen (15) days,

send You or Your designee forms for giving Proof of Loss to Us.

If You or Your designee does not receive the forms, then You or

Your designee should send Us a written description of the Loss.

This written description should include information detailing the

occurrence and extent of the Loss for which the claim is made.

If you're outside of the US, call collect at 1-804-673-1691

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator within

ninety (90) days of Your date of Loss.

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

• Police report conrming the claimed Accident

• Credit Card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for the Common

Carrier or Scheduled Airline fare

• Copy of the death certicate

Denitions

Accident or Accidental – a sudden, unforeseen, and unexpected

event which a) happens by chance; b) arises from a source

external to You; c) is independent of illness, disease or other bodily

malfunction or medical or surgical treatment thereof; d) occurs while

You are insured under the benet while it is in eect; and e) is the

direct cause of Loss

Accidental Bodily Injury – bodily injury, which a) is Accidental;

b) is the direct cause of a loss; and c) occurs while You are insured

under this policy, which is in eect; Accidental Bodily Injury does not

include conditions caused by repetitive motion injuries or cumulative

trauma not a result of an Accident, including, but not limited to

Osgood–Schlatter’s Disease, bursitis, Chondromalacia, shin splints,

stress fractures, tendinitis, and Carpal Tunnel Syndrome

Account – the Cardholder’s Credit Card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Cardholder – an individual to whom a Credit Card Account has been

issued by JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier Covered Trip – travel on a Common Carrier when

You pay any portion of the fare for such transportation with the

Cardholder’s Account and/or Rewards programs associated with the

Cardholder’s Account

Commutation – travel between Your residence and regular place

of employment

Company – Federal Insurance Company

Conveyance – any motorized craft, vehicle or mode of

transportation licensed or registered by a governmental authority

with competent jurisdiction

Courtesy Transportation – transportation provided without

a specic charge by a rental car agency, airport or hotel which

transports You from the airport or station to the rental car agency or

hotel or from the rental car agency or hotel to the airport or station

Credit Card – a payment medium that takes the form of a Credit

Card, credit plate, charge plate, courtesy card or other identication

card or device issued to You; You may use the Credit Card to

purchase, hire, rent or lease property or services

Domestic Partner –

a person designated by You who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least eighteen (18) years of age and

competent to enter into a contract; is not related to You by blood; has

exclusively lived with You for at least twelve (12) consecutive months

prior to the date of enrollment; is not legally married or separated

26 For questions, call 1-888-320-9961 if you're in the US

and as of the date of enrollment has with You at least two (2) of

the following nancial arrangements: a joint mortgage or lease, a

joint bank account, joint title to or ownership of a motor vehicle or

status as a joint lessee on a motor vehicle lease or a joint credit card

account with a nancial institution; neither You nor Your Domestic

Partner can be married to, nor in a civil union with, anyone else

Insured Person – the Primary Insured Person, and Immediate

Family Members traveling with You on a Covered Trip

Loss – Accidental Loss of Foot; Loss of Hand; Loss of Hearing; Loss of

Life; Loss of Sight; Loss of Sight of One Eye; Loss of Speech; Loss of

Thumb and Index Finger; Loss must occur within one (1) year after

the Accident

Loss of Foot – the complete severance of a foot through or above

the ankle joint; We will consider such severance a Loss of Foot

even if the foot is later reattached; if the reattachment fails and

amputation becomes necessary, then We will not pay an additional

Benet Amount for such amputation

Loss of Hand – the complete severance, as determined by a

Physician, of at least four (4) ngers at or above the metacarpal

phalangeal joint on the same hand or at least three (3) ngers and

the thumb on the same hand; We will consider such severance a

Loss of Hand even if the hand, ngers or thumb are later reattached;

if the reattachment fails and amputation becomes necessary, then

We will not pay an additional Benet Amount for such amputation

Loss of Hearing – permanent, irrecoverable and total deafness, as

determined by a Physician, with an auditory threshold of more than

90 decibels in each ear; the deafness cannot be corrected by any aid

or device, as determined by a Physician

Loss of Life – death, including clinical death, as determined by the

local governing medical authority where such death occurs within

three hundred sixty–ve (365) days after an Accident

Loss of Sight – permanent Loss of vision; remaining vision must be

no better than 20/200 using a corrective aid or device, as determined

by a Physician

Loss of Sight of One Eye – permanent Loss of vision of one eye;

remaining vision in that eye must be no better than 20/200 using a

corrective aid or device, as determined by a Physician

Loss of Speech – the permanent, irrecoverable and total Loss of

the capability of speech without the aid of mechanical devices, as

determined by a Physician

Loss of Thumb and Index Finger – complete severance, through

the metacarpal phalangeal joints, of the thumb and index nger

of the same hand, as determined by a Physician; We will consider

such severance a Loss of Thumb and Index Finger even if a thumb,

an index nger or both are later reattached; if the reattachment

fails and amputation becomes necessary, then We will not pay an

additional Benet Amount for such amputation

Physician – a licensed practitioner of the healing arts, acting within

the scope of his or her license to the extent provided by the laws of

the jurisdiction in which medical treatment is provided; Physician

does not include You, an Immediate Family Member, Your employer

or business partner, or JPMorgan Chase Bank, N.A. and/or its aliates

Primary Insured Person – the Cardholder

Rewards – points, miles, cash Rewards, or any other type

of redeemable Rewards, provided that all Rewards have

been accumulated by the Cardholder through use of a

If you're outside of the US, call collect at 1-804-673-1691

JPMorgan Chase Bank, N.A. and/or its aliates sponsored

Rewards program

Scheduled Air Covered Trip – travel on a Scheduled Airline when

any portion of the fare for such transportation has been charged to

the Cardholder’s Account; Scheduled Air Covered Trip also means

travel on a Scheduled Airline when free ights have been awarded

from frequent ier or points programs provided that all of the miles

or Rewards were accumulated from a Rewards program sponsored

by JPMorgan Chase Bank, N.A. and/or its aliates; the trip must:

1) occur while the insurance is in–force, 2) be to a destination that

is more than one (1) mile from Your primary residence, and 3) not

exceed thirty–one (31) days in duration

Scheduled Airline – an airline which is either: 1) registered and

certied by the Government of the United States of America to

carry passengers on a regularly scheduled basis; or 2) registered

and certied by any other governmental authority with competent

jurisdiction to carry passengers on a regularly scheduled basis

Spouse – Your husband or wife who is recognized as such by the

laws of the jurisdiction in which You reside

War – hostilities following a formal declaration of war by a

governmental authority; in the absence of a formal declaration of

war by a governmental authority, armed, open and continuous

hostilities between two (2) countries or armed, open and continuous

hostilities between two (2) factions, each in control of territory or

claiming jurisdiction over the geographic area of hostility

We, Us and Our – Federal Insurance Company

You or Your – the Insured Person

Additional Provisions

• We have a right to examine under oath, as often as We may

reasonably require, You or Your authorized representative,

if applicable. We may also require You or Your authorized

representative to provide a signed description of the circumstances

surrounding the loss and Your interest in the loss. You or Your

authorized representative will also produce all records and

documents requested by Us and will permit Us to make copies of

such records or documents.

• In the event of a claim under this policy, You or Your authorized

representative, if applicable, must fully cooperate with Us in Our

handling of the claim, including, but not limited to, the timely

submission of all medical and other reports, and full cooperation

with all physical examinations and autopsies that We may require.

If We are sued in connection with a claim under this policy, then

You or Your authorized representative must fully cooperate

with Us in the handling of such suit. JPMorgan Chase Bank, N.A.

and/or its aliates, You or Your authorized representative must

not, except at Your own expense, voluntarily make any payment or

assume any obligation in connection with any suit without Our prior

written consent.

• While a claim is pending, We have the right, at Our expense, to:

1) have the person who has a Loss examined by a Physician when

and as often as We feel is necessary; and 2) make an autopsy in

case of death where it is not forbidden by law.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further, no

28 For questions, call 1-888-320-9961 if you're in the US

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Federal Insurance Company.

Coverage may not be available in all states or certain terms may

be dierent where required by state law.

• Please see “General Provisions and Denitions” section at the end of

this document.

Form #TAI CON (02/19)

Travel and Emergency

Assistance Services

If an emergency occurs while You are traveling away from

home, You, Your spouse and dependent children under

twenty-two (22) years old have access to our Travel and

Emergency Assistance Services. To access these services, call the

Benet Administrator to connect You with the appropriate local

emergency and assistance resources twenty-four (24) hours a day,

three hundred sixty-ve (365) days a year.

Travel and Emergency Assistance Services provide assistance and

referral. You are responsible for the cost of any actual medical, legal,

transportation, cash advance, or other services or goods provided.

What Are the Specic Travel and Emergency

Assistance Services?

When you’re traveling away from home, emergencies can escalate

quickly. Something that is relatively straightforward when You

are at home, like replacing prescription medication, can become

complicated when You are navigating local laws or language barriers.

Our Travel and Emergency Assistance Services are designed to help

in numerous situations. Services include:

• Emergency Message Service records and relays emergency

messages for travelers, their immediate family members, or

business associates. The Benet Administrator will use reasonable

eorts to relay emergency messages in accordance with benet

guidelines and limitations but cannot take responsibility for

the failure to transmit any message successfully. All costs are

Your responsibility.

• Medical Referral Assistance provides medical referral, monitoring,

and follow-up. The Benet Administrator can give You names

of local English-speaking doctors, dentists, and hospitals; assign

a doctor to consult by phone with local medical personnel,

if necessary, to monitor Your condition; and keep in contact

with Your family, serving as a continuing liaison. The Benet

Administrator can also help You arrange medical payments from

Your personal account. All costs are Your responsibility.

• Legal Referral Assistance arranges contact with English speaking

attorneys and U.S. embassies and consulates if You are detained

by local authorities, have a car accident, or need legal assistance.

In addition, the Benet Administrator can coordinate bail payment

from Your personal account. The Benet Administrator can also

follow up to make sure bail has been properly handled. All costs

are Your responsibility.

If you're outside of the US, call collect at 1-804-673-1691

• Emergency Transportation Assistance helps You make all the

necessary arrangements for emergency transportation home or

to the nearest medical facility. This includes arrangements to bring

Your young children home and helping You stay in contact with

family members or employers during the emergency. In the case

of a death, the Benet Administrator can make arrangements to

repatriate the remains. All costs are Your responsibility.

• Emergency Ticket Replacement helps You through Your carrier’s

lost ticket reimbursement process and assists in the delivery of a

replacement ticket to You, should You lose Your ticket. All costs

are Your responsibility.

• Lost Luggage Locator Service helps 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. You are responsible for the cost of any

replacement items shipped to You.

• Emergency Translation Service provides telephone assistance in all

major languages and helps nd local interpreters, if available, when You

need more extensive assistance. All costs are Your responsibility.

• Prescription Assistance and Valuable Document Delivery

Arrangements helps You ll or replace prescriptions, subject to

local laws, and can arrange pickup and delivery of prescriptions

lled for You at local pharmacies. Services can also help transport

critical documents that You have left at Your home or elsewhere.

All costs are Your responsibility.

• Pre-Trip Assistance gives 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.

Please note that due to occasional issues such as distance,

location, or time, neither the Benet Administrator nor its service

providers can be responsible for the availability, use, cost, or

results of any medical, legal, transportation, or other services.

Denitions

Common Carrier – any mode of transportation by land, water or

air operating for hire under a license to carry passengers for which

a ticket must be purchased prior to travel; does not include taxi,

limousine service, commuter rail or commuter bus lines

You or Your -–an eligible person whose name is embossed on an

eligible U.S. issued card, and resides in the United States.

Additional Provisions

The benet described in this Guide to Benets will not apply to

Cardholders whose accounts have been suspended or canceled.

The terms and conditions contained in this Guide to Benets

may be modied by subsequent endorsements. Modications

to the terms and conditions may be provided via additional

Guide to Benets mailings, statement inserts, statement

messages, or electronic notications. Allianz Global Assistance

(“Benet Administrator”) is solely responsible for provision of

the Travel and Emergency Assistance benet.

FORM #TEAS CONBIZ (02/19)

30 For questions, call 1-888-320-9961 if you're in the US

Trip Cancellation/Trip Interruption

Insurance

The Trip Cancellation and Trip Interruption benet provides

reimbursement for Eligible Travel Expenses charged to the

Cardholder’s Account up to ten thousand ($10,000.00) dollars

per Covered Person and up to twenty thousand ($20,000.00)

dollars per Trip, if a loss results in cancellation or interruption of the

travel arrangements.

The Cardholder and Immediate Family Members are covered when

the Cardholder’s name is embossed on an eligible Card issued in

the United States, and the Cardholder charges all or a portion of a

Trip to his or her Credit Card Account and/or Rewards programs

associated with the Account. Immediate Family Member means an

individual with any of the following relationships to the Cardholder:

Spouse, and parents thereof; sons and daughters, including adopted

children and stepchildren; parents, including stepparents; brothers

and sisters; grandparents and grandchildren; aunts or uncles; nieces

or nephews; and Domestic Partner and parents thereof, including

Domestic Partners or Spouses of any individual of this denition.

Immediate Family Member also includes legal guardians or wards.

Immediate Family Members do not need to be traveling with the

Cardholder for benets to apply.

For Trip Cancellation:

Coverage begins on the initial deposit or booking date of the Trip

and ends at the point and time of departure on Your Scheduled

Departure Date.

For Trip Interruption:

Coverage begins on Your Scheduled Departure Date and ends on

Your Scheduled Return Date.

In the event the Scheduled Departure Date and/or the Scheduled

Return Date are delayed, or the point and time of departure and/or

point and time of return are changed because of circumstances over

which neither the Travel Supplier nor You have control, the term of

coverage shall be automatically adjusted in accordance with Your or

the Travel Supplier’s notice to Us of the delay or change.

If You are eligible for insurance under multiple Credit Card

Accounts, You will only be insured under the Account which

provides the largest benet amount for the loss that occurred.

What Are the Eligible Travel Expenses Covered?

Eligible Travel Expenses are Non-Refundable prepaid travel expenses

charged by a Travel Supplier (Travel Agency, Tour Operator, Provider

of Lodging, rental car agency, Rented Recreational Vehicle Provider,

commercial recreational excursion provider, Cruise Line, airline,

railroad, and other Common Carriers). Eligible Travel Expenses also

means redeposit fees imposed by a Rewards program administrator.

Eligible Travel Expenses does not include Event Tickets or prepaid fees

to theme parks, museums, golf courses, or other points of interest

(unless such expenses are included as part of a travel package).

For Trip Interruption only:

Eligible Travel Expenses include Change Fees and costs to return a

rental vehicle to the closest rental agency or Your personal vehicle to

Your closest leased or owned residence. The benet also reimburses

ground transportation expenses up to two hundred fty ($250.00)

dollars to directly transport You for necessary medical treatment,

to the airport, terminal or station of departure, and/or between the

If you're outside of the US, call collect at 1-804-673-1691

arrival airport, terminal or station and Your residence. This does not

include transportation in vehicles operated by a medical facility or

specically designed to transport sick or injured individuals.

If You are forced to temporarily postpone a Trip due to a loss and a

new departure date is set, We will reimburse for the prepaid unused

Non-Refundable land, air, and/or sea arrangements.

What if You Paid for Your Trip Using

Redeemable Chase Rewards?

In the event of a loss, Rewards redeemed for travel will be

reimbursed in an amount equal to their monetary value. If the

monetary value of the redemption does not appear on the Trip

itinerary or redemption conrmation issued by the Travel Supplier,

we will reimburse each point redeemed at a rate of $.01 per reward

unit. Redeposit fees imposed by a Rewards program administrator

are also eligible for reimbursement.

What Losses Are Covered?

The Trip Cancellation and Trip Interruption benet covers a broad

array of ‘what-ifs’ that can impact travel plans, reimbursing if:

• Accidental Bodily Injury, Loss of Life, or Sickness experienced by

You or Your Traveling Companion which prevents You or Your

Traveling Companion from traveling on the Trip

• Accidental Bodily Injury, Loss of Life, or Sickness experienced by an

Immediate Family Member of You or Your Traveling Companion

when the Accidental Bodily Injury or Sickness is considered life

threatening, requires hospitalization, or such Immediate Family

Member requires care by You or Your Traveling Companion

• Severe Weather, which prevents a reasonable and prudent person

from beginning or continuing on a Trip and occurs: 1) at the point

of origin of the Trip prior to departure; or 2) in the path between

Your place of permanent residence and the point of origin of the

Trip prior to departure; or 3) within fty (50) miles of the airport,

terminal, station, booked lodging, and/or Host at Destination

location listed on Your travel itinerary; and which: A) impacts a

reasonable and prudent person’s ability to: (a) safely travel to the

departure point of a Common Carrier on which You are scheduled

to travel; or (b) safely remain at a booked Provider of Lodging,

or a Host at Destination location listed on Your travel itinerary;

or B) causes the cessation of operation of a Common Carrier for

which You are scheduled to travel provided that such cessation of

operation causes You to: (a) miss at least 20% of the scheduled

duration of the Trip; or (b) miss the departure of a prepaid cruise,

or tour (booked through a Tour Operator) that You are scheduled

to take; or C) causes a Provider of Lodging with which You booked

accommodations to cease normal operations

• Named Storm Warning

• Change in military orders for You or Your Spouse

• A call to jury duty or receiving a subpoena from the courts, neither

of which can be postponed or waived

• You or Your Traveling Companion’s place of permanent residence

being made uninhabitable, being burglarized, or damaged by re

or ood

• You or Your Traveling Companion’s lodging accommodations at

the destination of the Trip being made uninhabitable

• The death or hospitalization of You or Your Traveling Companion’s

Host at Destination

32 For questions, call 1-888-320-9961 if you're in the US

• Quarantine of You or Your Traveling Companion imposed by

a Physician or by a competent governmental authority having

jurisdiction, due to health reasons

• An organized strike aecting public transportation which causes

You or Your Traveling Companion to a) miss at least 20% of the

scheduled duration of the Trip; or b) miss the departure of a

prepaid cruise, or tour (booked through a Tour Operator) that You

are scheduled to take

The following losses are specic to Trip Cancellation:

• Terrorist Incident within twenty-ve (25) miles of You or Your

Traveling Companion’s place of permanent residence within thirty

(30) days of Your Scheduled Departure Date; or a Terrorist Incident

within twenty-ve (25) miles of an airport, booked lodging, and/or

Host at Destination location listed on the itinerary within thirty (30)

days of the scheduled arrival

• A Travel Warning due to terrorism issued by the branch of the

United States Government with jurisdiction to issue such warning

for the immediate vicinity of You or Your Traveling Companion’s

place of permanent residence within ten (10) days of the

Scheduled Departure Date; or a Travel Warning due to terrorism

issued by the United States Department of State or other branch

of the United States Government with jurisdiction to issue such

warning for a geographic area within twenty-ve (25) miles of

an airport, booked lodging, and/or Host at Destination location

that is in eect within thirty (30) days immediately preceding the

Scheduled Departure Date

The following losses are specic to Trip Interruption:

• Terrorist Incident within twenty-ve (25) miles of an airport,

booked lodging, and/or Host at Destination location listed on Your

itinerary while on a Trip

• Travel Warning due to terrorism issued by the United States

Department of State or other branch of the United States

Government with jurisdiction to issue such warning for a

geographic area within twenty-ve (25) miles of an airport,

booked lodging, and/or Host at Destination location that is

issued during Your or Your Traveling Companion’s Trip

Trips must occur while the insurance is in-force to be eligible

for this benet.

Please Pay Special Attention to These Conditions of

the Trip Cancellation and Trip Interruption Benet:

• If You suer a loss causing Trip Cancellation or Trip Interruption,

You must immediately notify the appropriate Travel Supplier

of such cancellation. If such notication by You does not occur

and failure to notify the Travel Supplier results in the surrender

of Non-Refundable Eligible Travel Expenses, that would have

otherwise been refundable had You notied the Travel Supplier,

no benet shall be payable. If a loss prevents You from providing

the notication, the benet may still apply.

• No coverage will be provided for a Trip that is scheduled to last

longer than sixty (60) days. If a Trip exceeds sixty (60) days in

duration, We will only reimburse the pro-rated portion of any

Non-Refundable pre-paid Eligible Travel Expenses up to the rst

sixty (60) days of the Trip.

• In no event will We pay more than the benet amount. In no

event will We pay more than the Maximum Benet Amount

per twelve (12) Month Period in any twelve (12) consecutive

If you're outside of the US, call collect at 1-804-673-1691

month period regardless of the number of Trip Cancellation or

Trip Interruption claims made in that twelve (12) month period.

Payment is also limited to the Maximum Benet Amount per Trip.

• The Travel Supplier’s cancellation provisions in eect at the time

the Travel Supplier is notied of a cancellation

• In the event that Your Trip Cancellation or Trip Interruption

results in a credit for future travel, accommodations, or other

consideration being issued by the Travel Supplier, no benets shall

be payable for that portion of the Eligible Travel Expenses which

such credit represents until such credit expires.

• No benet will be paid for any Eligible Travel Expense unless a portion

of such Eligible Travel Expense has been charged to the Account.

• We will not reimburse additional transportation expenses incurred

by You other than those described above. This includes the

dierence in cost between the original fare or any new fare to

return home or rejoin the Trip.

This benet is payable on an excess basis over and above any amount

due from any other valid or collectable insurance or any other form of

reimbursement payable by those responsible for the loss.

What’s Not Covered?

The Trip Cancellation and Trip Interruption benet does not apply to

any loss caused by or resulting from, directly or indirectly:

• A change in plans, nancial circumstances, and any business or

contractual obligations of You or Your Traveling Companion and

his or her Immediate Family Members

• A Pre-existing Condition or any other event that occurs or

commences prior to the initial deposit date or booking date of

the Trip

• Any loss due to the voluntary surrender of unused vouchers,

tickets, credits, coupons, or travel privileges available to You from

the Travel Supplier prior to their expiration date

• Travel arrangements that are scheduled to take place after the

twenty-sixth (26th) week of pregnancy; or when any multiple

pregnancy, with or without complications, occurs prior to the

initial deposit date or booking date of the Trip; or any pregnancy

associated with an assisted reproductive program, such as

in vitro fertilization

• Any loss for any Trip booked while on a waiting list for specied

medical treatment

• Any loss for any Trip that is booked for the purpose of obtaining

medical treatment

• Disinclination to travel due to civil unrest

• Failure of You or Your Traveling Companion to obtain necessary

visas, passports, or other documents required for travel, including

documents required by a common carrier or country such as a

vaccine passport

• Your commission or attempted commission of any illegal act,

including any felony

• Your suicide, attempted suicide, or intentionally self-inicted injury

• You being under the inuence of any narcotic, legal recreational

marijuana, or other controlled substance at the time of a loss

(except if the narcotic or other controlled substance is taken and

used as prescribed by a Physician)

• Your disinclination to travel, a country closing its borders, or a

Travel Supplier cancelling or changing travel arrangements due to

an epidemic or pandemic

34 For questions, call 1-888-320-9961 if you're in the US

• Default of the Common Carrier resulting from Financial Insolvency

or Financial Insolvency of a Travel Agency, Tour Operator, or

Travel Supplier (Please contact Chase Disputes or the number

on the back of your Chase credit card if your trip has been

canceled due to nancial insolvency)

• War, undeclared war, civil war, insurrection, rebellion, revolution,

warlike acts by a military force or personnel, any action taken in

hindering or defending against any of these, the destruction or

seizure of property for a military purpose, or any consequences of

any of these acts; War does not include terrorism

For Trip Cancellation only:

• Trips booked to any area known to be associated with

Terrorist Activity

For Trip Interruption only:

• Travel arrangements canceled or changed by a Travel Supplier unless

the cancellation is the result of Severe Weather or an organized strike

aecting public transportation, or unless specically covered herein

• Any Terrorist Incident or Travel Warning that occurred within

twenty-ve (25) miles of Your or Your Traveling Companion’s place

of permanent residence within thirty (30) days prior to the initial

deposit date or booking date of the Trip

• A Terrorist Incident within twenty-ve (25) miles of an airport,

booked lodging, and/or Host at Destination location listed on

Your itinerary within thirty (30) days of Your initial deposit date or

booking date of the Trip

What is the Maximum Benet Amount?

If more than one person insured under the same Account suers a

loss for the same Trip, the Company will not pay more than:

Benet Maximum

Benet Amount

per Trip

Maximum Benet

Amount per Twelve (12)

Month Period

Trip Cancellation $20,000.00 $40,000.00

Trip Interruption $20,000.00 $40,000.00

If the Cardholder charges multiple travel expenses for a Trip,

each Covered Person is eligible for benets, subject to these

maximums. If a loss results in total payable benet amounts that

exceed the applicable Maximum Benet Amount per Trip, benets will

be divided proportionally, based on applicable amounts owed to all

Covered Persons.

How Do You File a Claim?

Follow these steps to le Your claim:

1. Call the Benet Administrator within twenty (20) days of Your Trip

Cancellation or Interruption or as soon as reasonably possible.

2. Answer a few questions, so the Benet Administrator can

send You the right claim forms and let You know what other

documentation is needed.

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator within ninety (90)

days or as soon as reasonably possible (but no later than

one (1) year after the ninety (90) day deadline).

Filing online is faster: visit www.eclaimsline.com

If you're outside of the US, call collect at 1-804-673-1691

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Travel itinerary

• Documentation conrming the reason for Trip Cancellation or

Interruption (e.g., medical documents, death certicate, etc.)

• Credit Card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for prepaid travel

arrangements (for Trip Cancellation), and proof of expenses

incurred (for Trip Interruption)

• Copies of the cancellation or refund policies of providers

involved in the trip, such as the Common Carrier, Tour

Operator, or Travel Supplier

• Proof of expenses incurred due to a Trip Interruption

• Any unused vouchers, tickets, or coupons

Denitions

Accident or Accidental – a sudden, unforeseen, and unexpected

event which a) happens by chance; b) arises from a source

external to You; c) is independent of illness, disease or other bodily

malfunction or medical or surgical treatment thereof; d) occurs while

You are insured under the benet while it is in eect; and e) is the

direct cause of loss

Accidental Bodily Injury – bodily injury, which a) is Accidental;

b) is the direct cause of a loss; and c) occurs while the Cardholder is

insured under this policy, which is in eect; Accidental Bodily Injury

does not include conditions caused by repetitive motion injuries or

cumulative trauma not a result of an Accident, including, but not

limited to Osgood–Schlatter’s Disease, bursitis, Chondromalacia, shin

splints, stress fractures, tendinitis, and Carpal Tunnel Syndrome

Account – the Cardholder’s Credit Card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Appropriate Authority – the U.S. State Department or other

U.S. governmental authority with jurisdiction to issue travel advice

Cardholder – an individual to whom a Credit Card Account has been

issued by JPMorgan Chase Bank, N.A. and/or its aliates

Change Fees (Trip Interruption only) – any fee imposed by a Travel

Supplier to change the date and/or time of prescheduled travel

arrangements of a Trip that has not been cancelled; Change Fees do

not include a change in Common Carrier fare, Provider of Lodging

occupancy rate, or new Common Carrier fares

Common Carrier – any commercially licensed motorized land,

water, or air conveyance, operated by an organization other than

JPMorgan Chase Bank, N.A. and/or its aliates, organized and

licensed for the transportation of passengers for hire, and operated

by an employee or an individual under contract; Common Carrier

does not include Cruise Lines, however Cruise Lines are an eligible

expense for reimbursement

Company – Federal Insurance Company

Covered Person – the Cardholder and the Cardholder’s Immediate

Family Members

Credit Card – a payment medium that takes the form of a

Credit Card, credit plate, charge plate, courtesy card, or other

identication card or device issued to You; You may use the

Credit Card to purchase, hire, rent, or lease property or services

36 For questions, call 1-888-320-9961 if you're in the US

Cruise Line – a company that maintains a eet of cruise ships and

markets cruises to the public

Domestic Partner – a person designated by You who is registered

as a Domestic Partner or legal equivalent under the laws of the

governing jurisdiction or who is at least eighteen (18) years of

age and competent to enter into a contract; is not related to You

by blood; has exclusively lived with You for at least twelve (12)

consecutive months prior to the date of enrollment; is not legally

married or separated and as of the date of enrollment has at least

two (2) of the following nancial arrangements with You: a joint

mortgage or lease, a joint bank account, joint title to or ownership of

a motor vehicle or status as a joint lessee on a motor vehicle lease or

a joint credit card account with a nancial institution; neither You nor

Your Domestic Partner can be married to, nor in a civil union with,

anyone else

Eligible Travel Expenses – Non–Refundable prepaid travel expenses

charged by a Travel Supplier (Travel Agency, Tour Operator, Provider

of Lodging, rental car agency, Rented Recreational Vehicle Provider,

commercial recreational excursion provider, Cruise Line, airline,

railroad, and other Common Carriers); Eligible Travel Expenses also

means redeposit fees imposed by a Rewards program administrator;

Eligible Travel Expenses does not include Event Tickets or prepaid

fees to theme parks, museums, golf courses, or other points of

interest (unless such expenses are included as part of a travel

package); For the Trip Interruption benet only: Eligible Travel

Expenses also include Change Fees and costs to return a rental

vehicle to the closest rental agency or Your personal vehicle to Your

closest leased or owned residence

Event Ticket – written evidence permitting admission to an event

that is scheduled to take place while You are insured under this

policy and at a destination other than Your primary residence; the

name of the event, the date on which the event is to take place, and

the event venue must be clearly indicated on the ticket

Financial Insolvency – the inability of an entity to provide travel

services because it has ceased operations either following the ling

of a petition for bankruptcy, whether voluntary or involuntary, or

because it has ceased operations as a result of a denial of credit or

the inability to meet nancial obligations

Host at Destination – a person with whom You are sharing pre–

arranged overnight accommodations at the host’s usual principal

place of residence

Insured Person – the Cardholder

Loss of Life – death, including clinical death, as determined by the

local governing medical authority authorities where such death

occurs within three hundred sixty–ve (365) days after an Accident

Named Storm Warning – a warning issued by a meteorological

society with jurisdiction to issue such warning, during dates of

Your scheduled travel, for a named storm that is occurring or is

imminently expected to occur within fty (50) miles of the airport,

terminal, or station You are scheduled to depart from or arrive to,

or Your booked Provider of Lodging, and/or Host at Destination; a

Named Storm Warning does not include a government’s declaration

of a state of emergency in absence of a storm warning issued by a

meteorological society with jurisdiction to issue such warning, or a

Named Storm Watch

Named Storm Watch – a statement from a meteorological society

with jurisdiction to issue such watch saying there is the potential for

If you're outside of the US, call collect at 1-804-673-1691

Severe Weather to occur during dates of Your scheduled travel for

an area within fty (50) miles of the airport, terminal, or station You

are scheduled to depart from or arrive to, or Your booked Provider

of Lodging, and/or Host at Destination; a Named Storm Watch does

not mean that Severe Weather is imminent; a Named Storm Watch

only means that based on the meteorological society’s projected

course for the storm, it is possible

Non–Refundable – money (or Rewards) prepaid by the Cardholder

or the Cardholder’s Spouse or Domestic Partner through use of a

covered Account for a Covered Trip:

• which will be forfeited under the terms of the agreement made

with the Travel Supplier for unused travel arrangements; and

• for which the Travel Supplier will not provide any other form of

compensation; or

• for which the Rewards administrator will not provide

reimbursement of Rewards

Physician – a licensed practitioner of the healing arts, acting within

the scope of his or her license to the extent provided by the laws of

the jurisdiction in which medical treatment is provided; Physician does

not include You, Your Traveling Companion, or Your or Your Traveling

Companion’s Immediate Family Member, Your or Your Traveling

Companion’s employer or business partner, or an Immediate

Family Member of Your or Your Traveling Companion’s employer or

business partner, a massage therapist, a physical therapist, or anyone

employed by JPMorgan Chase Bank, N.A. and/or its aliates

Pre–existing Condition – illness, disease or accidental injury

of You or Your Traveling Companion, Your Immediate Family

Member or the Immediate Family Member of Your Traveling

Companion, for which medical advice, diagnosis, care or treatment

was recommended or received within the sixty (60) day period

immediately prior to the initial deposit or booking date (whichever

occurs rst) of a Trip; the taking of prescription drugs or medication

for a controlled condition throughout this sixty (60) day period

will not be considered to be a treatment of illness or disease;

additionally, regular antenatal care, through twenty–six (26) weeks

gestation, provided it is a single, uncomplicated pregnancy which

does not arise from services or treatment associated with an

assisted reproductive program, including but not limited to in vitro

fertilization, is not considered to be a treatment of illness or disease

Provider of Lodging – a hotel, inn, motel, bed and breakfast, or

hostel; a Provider of Lodging includes non–commercial time shares,

condominiums, or rentals of a private residence; such rental shall

require a written contract between You and the property owner or

management company, executed in advance of the commencement

of the rental period; such contract must: a) be facilitated by a

licensed rental agent, licensed attorney, or website specically

designed for the purpose of matching those oering short term

rental properties with renters, b) specically outline cancellation

provisions, and c) not have a contract period greater than sixty (60)

days; this sixty (60) day limitation shall include: a) the initial term

of the contract as well as any subsequent extension of the initial

contract, and/or b) any new contract entered into by You to rent the

same property listed on the initial written contract which is incepted

within the thirty (30) days immediately following the initial contract’s

expiration date; direct transactions with owners of property or time

shares not facilitated by a licensed rental agent, licensed attorney,

or website specically designed for the purpose of matching those

38 For questions, call 1-888-320-9961 if you're in the US

oering short term rental properties with renters are not included

regardless of whether a contract is executed

Quarantine – You or Your Traveling Companion is forced into

medical isolation by a recognized government authority, their

authorized deputies, or medical examiners due to You or Your

Traveling Companion either having, or being suspected of having,

a contagious disease, infection, or contamination

Rented Recreational Vehicle Provider – a commercial rental

Company licensed under the laws of the applicable jurisdiction and

whose primary business is renting watercraft, bareboat chartered

boats, all–terrain vehicles, motorcycles, dirt bikes, jet skis, snow

mobiles or any other motorized vehicle used for recreational

purposes, unless stated otherwise or an exclusion applies

Rewards – points, miles, cash Rewards, or any other type of

redeemable Rewards, as well as any redeposit fees charged

by a Rewards administrator, provided that all Rewards

have been accumulated by the Cardholder through use of

JPMorgan Chase Bank, N.A. and/or its aliates sponsored

Rewards program

Scheduled Departure Date – the date on which You are originally

scheduled to leave on the Trip

Scheduled Return Date – the date on which You are originally

scheduled to return to the point of origin or to a dierent

nal destination

Severe Weather – any dangerous meteorological phenomena with

the potential to cause major damage, serious social disruption, or

loss of human life; wildre related smog at the point of origin of

the Trip or within the vicinity of an airport, booked lodging, and/or

Host at Destination location listed on Your travel itinerary for which

a health advisory has been issued by the appropriate government

agency with jurisdiction to issue such advisory shall also be

considered Severe Weather

Sickness – an illness or disease which requires the attendance of

a Physician

Spouse – Your husband or wife who is recognized as such by

the laws of the jurisdiction in which You reside; Spouse includes

Domestic Partners or Covered Persons joined by Civil Unions where

applicable by law

Terrorist Activity – multiple Terrorist Incidents or Travel Warnings

related to terrorism that have occurred within the twelve (12)

months prior to the initial deposit date or booking date of a Trip

located within twenty–ve (25) miles of an airport, booked lodging,

and/or Host at Destination location listed on Your itinerary

Terrorist Cell – a small unit serving or identifying as part of a larger

terrorist organization where the members coordinate for a specic

attack against a government or civilian population

Terrorist Incident – the use or intended use of any bomb, nuclear,

biological, or chemical agent dangerous to human life; or any violent

act of a single individual resulting in mass casualties; or any violent

act of a Terrorist Cell resulting in mass casualties; the terrorist act

must be intended to intimidate or coerce a civilian population; to

inuence the policy of a government by intimidation or coercion; or

to aect the conduct of a government by mass destruction

Tour Operator – an entity which organizes travel components into

packaged arrangements for sale directly to the travelling public

Travel Agency – an entity with which travel arrangements were

made and purchased by the Cardholder

If you're outside of the US, call collect at 1-804-673-1691

Travel Supplier – a Travel Agency, or Tour Operator, or Provider

of Lodging, or rental car agency, or Rented Recreational Vehicle

Provider, or commercial recreational excursion provider, or

Cruise Line, or occupancy provider, Cruise Line, airline, railroad,

or other Common Carriers

Travel Warning – a warning, issued by an Appropriate Authority,

that travel is not advisable due to an imminent, credible, and specic

terrorist threat; Travel Warning does not include general travel

advisories in the absence of an imminent, credible, and specic

terrorist threat

Traveling Companion – an individual who has made advanced

arrangements with You to travel together for all or part of the Trip

Trip – any travel booked through a Travel Supplier for which:

• any portion of the cost has been charged to the Cardholder’s

Account issued by JPMorgan Chase Bank, N.A. and/or its

aliates; or

• any portion of the cost has been paid for with redeemable

Rewards that were accumulated by the Cardholder from a Rewards

program sponsored by JPMorgan Chase Bank N.A. and/or its aliates

• while the insurance is in eect

• and is for a time period that doesn’t exceed sixty (60) days in

duration; Note: If a Trip exceeds sixty (60) days in duration, You

will be reimbursed the pro–rated portion of any Non–Refundable

pre–paid Eligible Travel Expenses up to the rst sixty (60) days of

the Trip

Trip Cancellation – the cancellation of travel arrangements due to

a loss when You are prevented from traveling on a Trip on or before

the Scheduled Departure Date of the Trip

Trip Interruption – the interruption of Your Trip either on the

way to the point of departure or after departure of the Trip;

Trip Interruption also means any change to the date and time of

pre–scheduled un-canceled travel arrangements

War – hostilities following a formal declaration of war by a

governmental authority; in the absence of a formal declaration of

war by a governmental authority, armed, open and continuous

hostilities between two (2) countries or armed, open and continuous

hostilities between two (2) factions, each in control of territory or

claiming jurisdiction over the geographic area of hostility

We, Us and Our – Federal Insurance Company

You or Your – the Covered Person

Additional Provisions

• We have a right to examine under oath, as often as We may

reasonably require, You or Your authorized representative,

if applicable. We may also require You or Your authorized

representative to provide a signed description of the circumstances

surrounding the loss and Your interest in the loss. You or Your

authorized representative will also produce all records and

documents requested by Us and will permit Us to make copies of

such records or documents.

• In the event of a claim under this policy, You or Your authorized

representative, if applicable, must fully cooperate with Us in

Our handling of the claim, including, but not limited to, the

timely submission of all medical and other reports. If We are

sued in connection with a claim under this policy, then You or

Your authorized representative must fully cooperate with Us in

the handling of such suit. JPMorgan Chase Bank, N.A. and/or its

40 For questions, call 1-888-320-9961 if you're in the US

Trip Delay Reimbursement

The Trip Delay Reimbursement benet provides reimbursement

for reasonable expenses incurred during the delay up to

ve hundred ($500.00) dollars for each ticket purchased

when You are delayed due to a Covered Hazard for more than

twelve (12) hours or require an overnight stay.

You and Your Family Members are covered when Your name is

embossed on an eligible card issued in the United States, and You

charge all or a portion of a Common Carrier fare to Your credit card

Account and/or rewards programs associated with Your Account.

Family Member means Your spouse/domestic partner and Your

legally dependent children under the age of twenty-six (26). This

benet is limited to one claim per Eligible Person per Covered Trip.

What Expenses Are Covered?

The Trip Delay Reimbursement benet will reimburse Your

reasonable additional expenses incurred during a Covered Trip

delay, including meals, lodging, toiletries and medication.

This benet applies to reasonable expenses incurred during Your

delay not otherwise covered by Your Common Carrier, another

party, or Your primary personal insurance policy. You will be

refunded the excess amount (up to the maximum) once all other

reimbursement has been exhausted up to the limit of liability.

What’s Not Covered?

The Trip Delay Reimbursement benet does not apply to:

• Any delay due to a Covered Hazard which was made public or

made known to You prior to Your departure

• Any pre-paid expenses related to Your Covered Trip, such as tour

or activity fees associated with Your Covered Trip

How Do You File a Claim?

Follow these steps to le Your claim:

1. Call the Benet Administrator within sixty (60) days of the

Covered Trip delay.

aliates, You or Your authorized representative must not, except

at Your own expense, voluntarily make any payment or assume

any obligation in connection with any suit without Our prior

written consent.

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives proof of loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving proof of loss. Further, no

legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Federal Insurance Company.

Coverage may not be available in all states or certain terms may

be dierent where required by state law.

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #TCTI CON10k (05/21)

If you're outside of the US, call collect at 1-804-673-1691

2. Answer a few questions, so the Benet Administrator can

send You the right claim forms and let You know what other

documentation is needed.

3. Return the completed and signed claim form and requested

documentation to the Benet Administrator within

one hundred (100) days.

Failure to contact the Benet Administrator or return the

completed claim form and requested documentation within the

above time periods may result in denial of Your claim.

Filing online is faster: visit www.eclaimsline.com.

What Documents Will You Need to Provide?

The Benet Administrator will provide the details, but generally You

should be prepared to send:

• Completed and signed claim form

• Original and updated travel itinerary and/or the

Common Carrier ticket

• Credit card Account statement (showing the last four (4) digits

of the Account number) reecting the charge for the Common

Carrier ticket (unless the travel itinerary reects the last four (4)

digits of Your Account number as payment method)

• If more than one method of payment was used, please provide

documentation as to additional currency, voucher, rewards

programs, or other payment method used.

• Statement from the Common Carrier explaining the reason for

the delay

• Copies of itemized receipts for Your claimed expenses as follows:

receipts are required for food expenses; otherwise, itemized

receipts are required only for expenses of fty ($50.00) dollars or

more per Eligible Traveler

• Any other documentation deemed necessary by the Benet

Administrator to substantiate the claim

Denitions

Account – Your credit card Account issued by

JPMorgan Chase Bank, N.A. and/or its aliates

Common Carrier – any land, water, or air conveyance operating

for hire under a valid license for the transportation of passengers

and for which a ticket must be purchased prior to commencing

travel; Common Carrier does not include taxis, limousine services, or

commuter rail or commuter bus lines or rental vehicles

Covered Hazards – equipment failure, inclement weather, strike and

hijacking/skyjacking

Covered Trip – a period of travel that does not exceed

three hundred sixty-ve (365) days away from the Eligible Traveler’s

residence to a destination other than the Eligible Traveler’s city of

residence for which the Eligible Traveler’s cost of transportation

for the Common Carrier has been charged to the Account and/or

rewards programs associated with the covered Account

Eligible Traveler – a cardholder or Family Member who pays for

their Covered Trip by using the cardholder’s eligible Account and/or

rewards programs associated with the cardholder’s covered Account

Family Member – Your spouse/domestic partner or legally

dependent children under the age of twenty-six (26)

You or Your – the Eligible Traveler

General Provisions and Denitions

General Provisions: Apply to ALL Benets:

• Signed transactions are covered as long as You use Your eligible

card Account and/or Rewards programs associated with Your

Account to secure the transaction.

• You shall do all things reasonable to avoid or diminish any loss

covered by these benets. This provision will not be unreasonably

applied to avoid claims.

• If You make any claim knowing it to be false or fraudulent in any

respect, no coverage shall exist for such claim, and Your benets

may be cancelled. Each cardholder agrees that representations

regarding claims will be accurate and complete. Any and all

relevant provisions shall be void in any case of fraud, intentional

concealment, or misrepresentation of material fact.

• These benets are provided to eligible cardholders at no additional

cost. The terms and conditions contained in this Guide to Benets

may be modied by subsequent endorsements. Modications to

the terms and conditions may be provided via additional Guide

to Benets mailings, statement inserts, statement messages or

electronic notication. The benets described in this Guide will

not apply to cardholders whose Accounts have been suspended

or cancelled.

• Termination dates may vary by nancial institutions. Chase can

cancel or non-renew the benets for cardholders, and if they do,

they will notify You at least thirty (30) days in advance.

• After the Benet Administrator has paid Your claim, all Your

rights and remedies against any party in respect of this claim will

be transferred to the Benet Administrator to the extent of the

payment made to You. You must give the Benet Administrator

all assistance as may reasonably be required to secure all rights

and remedies.

• These benets do not apply to the extent that trade or economic

sanctions or other laws or regulations prohibit the provision of

insurance, including, but not limited to, the payment of claims.

Additional Provisions

• This information is a brief description of the important features

of this insurance plan. It is not an insurance contract. Insurance

benets are underwritten by Indemnity Insurance Company of

North America (“Provider”).

• No legal action for a claim may be brought against the Provider

until sixty (60) days after the Provider receives Proof of Loss.

No legal action against the Provider may be brought more than

three (3) years after the time for giving Proof of Loss. Further,

no legal action may be brought against the Provider unless all the

terms of the Guide to Benets have been complied with fully.

• Please see “General Provisions and Denitions” section at the end of

this document.

FORM #TRIPDELAY CON (02/19)

For questions, call 1-888-320-9961 if you're in the US

Denitions Related to Cyber Incidents:

The following language applies to Auto Rental

Collision Damage Waiver, Extended Warranty

Protection and Purchase Protection:

“Cyber Incident” means any of the following acts:

(a) unauthorized access to or use of Your Digital Data or a Rental

Vehicle, or a Covered Purchase;

(b) alteration, corruption, damage, reduction in functionality,

manipulation, misappropriation, theft, deletion, erasure, loss of

use or destruction of Your Digital Data or a Rental Vehicle, or a

Covered Purchase;

code, including ransomware, into or directed against Your

Digital Data or a Rental Vehicle, or a Covered Purchase;

(d) restriction or inhibition of access to or directed against Your

Digital Data or a Rental Vehicle, or a Covered Purchase;

(e) computer errors, including human operating error or omission;

power failure, surge, or diminution of electronic systems;

or mistakes in legitimate electronic code or damage from

code installed on a Rental Vehicle, or a Covered Purchase

during the manufacturing process, upgrade process, or

normal maintenance.

“Digital Data” means information, concepts, knowledge, facts, images,

sounds, instructions, or Computer Programs stored as or on, created

or used on, or transmitted to or from computer software (including

systems and applications software), on hard or oppy disks, CD-ROMs,

tapes, drives, cells, data processing devices or any other repositories

of computer software which are used with electronically controlled

equipment. Digital Data shall include the capacity of a Rental Vehicle,

or Covered Purchase to store information, process information, and

transmit information over the Internet.

“Computer Programs” means a set of related electronic instructions

which direct the operations and functions of a computer or device

connected to it, which enable the computer or device to receive,

process, store, retrieve or send data.

If you're outside of the US, call collect at 1-804-673-1691

Visit chase.com/mycardbenets to see all

the benets that come with your card.

US: Call 1-888-320-9961

International: 1-804-673-1691

BGC10979