sanctions, laws or regulations of the European Union or the
United States of America.
E. How to le a claim
Call 1-800-Mastercard or go to www.mycardbenets.com
to open a claim. You must report the claim within 90 days of
the loss, or as soon as reasonably possible, or the claim may
not be honored. Upon receipt of a notice of claim, we will
provide you with the necessary instructions for ling proof
of loss. Written proof of loss must be submitted to our
Administrator within 120 days of the loss or the claim may
not be honored. Required documentation may include but is
not limited to the following:
• Your card statement reecting the monthly Eligible
Cellular Wireless Telephone payments for the month
preceding the date the Eligible Cellular Wireless Telephone
was Stolen or suered damage;
• A copy of your current wireless service provider’s billing
statement;
• If a claim is due to damage, a copy of the repair estimate
and photos of the damage;
• If the claim is due to theft, a copy of the police report led
within 48 hours of the theft; and
• Any other documentation or information reasonably
requested by us to support the claim.
Please see the ‘Legal Disclosure’ section for all disclosures for
this benet.
Mastercard Travel & Lifestyle Services
As a World Mastercard® cardholder, you have access to
Mastercard® Travel & Lifestyle Services, a suite of benets,
amenities and upgrades, preferential treatment and
premium travel oers from best-in-class travel companies
across hotels, air travel, tours, cruises, car rentals and
more*. Get the most from all your travels whether you
are planning a last-minute getaway or your dream family
vacation. As a Mastercard® cardholder, you have access to
a lifestyle manager that will help you plan your vacation
- complimentary, at your convenience, 24 hours a day,
7 days a week. Plus, take advantage of the Mastercard
Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay
Guarantee*** which deliver value and peace of mind.
* Travel & Lifestyle Services are provided by Ten Lifestyle
Group plc. No travel bookings are being made by
Mastercard, nor is Mastercard acting as a travel
agency or providing any travel consultation or advice, in
connection with Mastercard Travel & Lifestyle Services.
** Mastercard Lowest Hotel Rate Guarantee: If you book a
qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’
hotel stay through the Mastercard Travel & Lifestyle
Services program either online or through an authorized
program agent using your Mastercard and then nd
• Eligible Cellular Wireless Telephones purchased for resale
or for professional or commercial use;
• Eligible Cellular Wireless Telephones that are lost or
Mysteriously Disappear;
• Eligible Cellular Wireless Telephones under the care and
control of a common carrier, including, but not limited to,
the U.S. Postal Service, airplanes or delivery service;
• Eligible Cellular Wireless Telephones Stolen from baggage
unless hand-carried and under the Eligible Person’s
supervision or under the supervision of the Eligible Person’s
traveling companion who is previously known to the
Eligible Person;
• Eligible Cellular Wireless Telephones Stolen from a
construction site;
• Eligible Cellular Wireless Telephones which have been
rented or leased from a person or company other than a
cellular provider;
• Eligible Cellular Wireless Telephones which have been
borrowed;
• Eligible Cellular Wireless Telephones that are received as
part of a pre-paid plan;
• Cosmetic damage to the Eligible Cellular Wireless
Telephone or damage that does not impact the Eligible
Cellular Wireless Telephone’s ability to make or receive
phone calls (including minor screen cracks and fractures
less than 2 inches in length that do not prevent the ability
to make or receive phone calls or to use other features
related to making or receiving phone calls);
• Damage or theft resulting from abuse, intentional acts,
fraud, hostilities of any kind (including, but not limited
to, war, invasion, rebellion or insurrection), conscation
by the authorities, risks of contraband, illegal activities,
normal wear and tear, ood, earthquake, radioactive
contamination, or damage from inherent product defects
or vermin;
• Damage or theft resulting from mis-delivery or voluntary
parting from the Eligible Cellular Wireless Telephone;
• Replacement of Eligible Cellular Wireless Telephone(s)
purchased from anyone other than a cellular service
provider’s retail or internet store that has the ability to
initiate activation with the cellular service provider;
• Taxes, delivery or transportation charges or any fees
associated with the service provided; and
• Losses covered under a warranty issued by a
manufacturer, distributor or seller.
In addition, we shall not be deemed to provide cover and we
shall not be liable to pay any claim or provide any benet
under the Group Policy to the extent that the provision
of such cover, payment of such claim or provision of such
benet would expose us, our parent company or its ultimate
controlling entity to any sanction, prohibition or restriction
under United Nations resolutions or the trade or economic
the same hotel room type, in the same hotel, for the same
dates, the same number of children and adults, at a lower
price online, before taxes and fees, we’ll refund you the
dierence. To receive a refund you must submit a claim as
described in the Terms & Conditions prior to your stay and
at least seventy-two (72) hours before the date of your
reservation check-in.
*** Mastercard Hotel Stay Guarantee: The Mastercard Travel
& Lifestyle Services Hotel Stay Guarantee is simple – if
you book your three star or higher hotel stay through the
Mastercard Travel & Lifestyle Services program and you
encounter problems with the hotel, contact Ten Lifestyle
Group plc, the designated travel agent for the Mastercard
Travel & Lifestyle Services program at Toll Free (US) 1 800
336 6420 during your stay and a Ten lifestyle manager
will attempt to make it right for the remainder of your
stay by working directly with the hotel to try to resolve
your issue or will make eorts to nd you comparable
accommodations.
Certain terms, conditions and exclusions apply. Full details are
available at https://travel.mastercard.com/us/en-us/world-
elite/product/terms.
Mastercard Global Service™
Mastercard Global Service™ provides worldwide, 24-hour
assistance with Lost and Stolen Card Reporting, Emergency
Card Replacement, and Emergency Cash Advance.
Call Mastercard Global Service immediately to report your
card lost or stolen and to cancel the account. If you need to
make purchases or arrange for a cash advance, with your
issuer’s approval, you can receive a temporary card the next
day in the United States, and within two business days almost
everywhere else.
Remember, if you report your card lost or stolen, you will not be
responsible for any unauthorized transactions on your account.
In the United States (including all 50 states, the District
of Columbia, the U.S. Virgin Islands, and Puerto Rico) and
Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can
easily reach a specially trained Mastercard Global Service
Representative who can help you 24 hours a day, 365 days
a year, in any language. You can call toll-free from over 80
countries worldwide. Some of the key toll-free Mastercard
Global Service telephone numbers are:
Australia ..... 1-800-120-113 Mexico .....001-800-307-7309
Austria ....... 0800-070-6138 Netherlands .0800-022-5821
France ......... 0-800-90-1387 Poland .......0-0800-111-1211
Germany .... 0800-071-3542 Portugal ........... 800-8-11-272
Hungary ......... 06800-12517 Spain .................. 900-822-756
Ireland ......... 1-800-55-7378 United Kingdom 0800-96-4767
Italy ..................800-870-866 Virgin Islands 1-800-307-7309
For additional information, or for country-specic, toll-free
telephone numbers not listed above, visit our website at
www.mastercard.com or call the United States collect at
1-636-722-7111.
Account Information and Card Benets:
When in the United States, contact your card issuer directly for
account information and 1-800-Mastercard for card benets.
When traveling outside the U.S., call Mastercard Global Service
to access your card issuer for account information or to access
any of your card benets.
ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to nd the location
of a nearby ATM in the Mastercard ATM Network accepting
Mastercard®, Maestro®, and Cirrus® brands. Also, visit our
website at www.mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide.
To enable cash access, be sure you know your Personal
Identication Number (PIN) before you travel.
Mastercard Airport Concierge™
Your passport to the ner side of air travel.
Enjoy a 15% savings on Airport Meet and Greet services.
Arrange for a personal, dedicated Meet and Greet agent to
escort you through the airport on departure, arrival or any
connecting ights at over 700 destinations worldwide 24
hours a day, 7 days a week, 365 days a year. There are also
certain airports where you can be expedited through the
security and/or the immigration process. To reserve Mastercard
Airport Concierge services visit www.mastercard.com/
airportconcierge or consult your Travel Advisor.
Account and Billing Information
Important: Contact your card-issuing nancial institution
directly for questions concerning your account, such as account
balance, credit line, billing inquiries (including transaction
exchange rates), merchant disputes, or information about
additional services not described in this Guide. Your nancial
institution’s phone number should be available on your monthly
billing statement or on the back of your card.
Reminder: Please refer to the Legal Disclosure section.
Legal Disclosure
This Guide to Benets is not, by itself, a policy or contract of
insurance or other contract.
Benets are provided to you, the Cardholder, at no additional
charge.
The insurance benets are provided under the Group Policy
issued by New Hampshire Insurance Company, an AIG
company. This Guide to Benets is a summary of benets
provided to you. The attached Key Terms and EOC are
governed by the Group Policy.
Eective date of benets: This Guide to Benets replaces
all prior disclosures, program descriptions, advertising, and
brochures by any party. The Policyholder and the insurer
reserve the right to change the benets and features of these
programs at any time. Notice will be provided for any changes.
Cancellation: The Policyholder may cancel these benets at
any time or choose not to renew the insurance coverage for all
Cardholders. If the Policyholder cancels these benets, you will
be notied in advance. If we terminate, cancel, or choose not
to renew the coverage to the Policyholder, you will be notied
as soon as is practicable. Insurance benets will still apply for
any eligible coverage that attaches prior to the date of such
termination, cancellation, or non-renewal, subject to the terms
and conditions of coverage.
Benets to you: These benets apply only to Eligible Accounts
issued in the United States. The United States is dened as
the fty U.S. states and the District of Columbia. No person
or entity other than you shall have any legal or equitable right,
remedy, or claim for benets, insurance proceeds and damages
under or arising out of these programs. These benets do not
apply if your card privileges have been cancelled. However,
insurance benets will still apply for any benet you were
eligible for prior to the date that your Eligible Account is
suspended or cancelled, subject to the terms and conditions of
coverage.
Transfer of rights or benets: The Group Policy is not
assignable, but the benets may be assigned.
Intentional Misrepresentation and Fraud: If any request for
benets made under the Group Policy is determined to be
fraudulent, or if any fraudulent means or devices are used by
you or anyone qualifying as an insured to obtain benets under
the Group Policy, all benets will be forfeited. No coverage is
provided if you or anyone qualifying as an insured does the
following: (1) Conceals or misrepresents any fact upon which
we rely, if the concealment or misrepresentation is material
and is made with the intent to deceive; or (2) conceals or
misrepresents any fact that contributes to the loss.
Due Diligence: You must exercise or perform all vigilant
activity, attentiveness, and care that would be exercised or
performed by a reasonable and prudent person in the same or
similar circumstances to avoid, diminish, or reduce any loss or
damage insured under the Group Policy.
Subrogation: If payment is made under these benets, we
are entitled to recover such amounts, to the extent of our
payments, from other parties or persons. Any party or person
who receives payment under these benets must transfer
to us his or her rights to recovery against any other party or
person and must do everything necessary to secure these
rights and must do nothing that would jeopardize them.
Salvage: If an item is not repairable, we may request that
you send the item to us for salvage at your expense. Failure to
remit the requested item for salvage to us may result in denial
of the claim.
Severability of Provisions: If in the future any one or more of
the provisions of this Guide to Benets is, to any extent and
for any reason, held to be invalid or unenforceable, then such
provision(s) shall be deemed “severable” from the remaining
provisions of the Guide. In that event, all other provisions of this
Guide shall remain valid and enforceable.
Benets listed in this Guide to Benets are subject to the
conditions, limitations, and exclusions described in each benet
section. Receipt and/or possession of this Guide to Benets
does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benets, and
coverages and, in case of a conict between the Guide and the
Group Policy, the Group Policy shall control.
Washington Residents: For Washington residents only,
Evidence of Coverage (EOC) means the section of this Guide
to Benets that describes the terms, conditions, and exclusions
of your coverage. The EOC, Key Terms, and Legal Disclosures are
in the entire agreement between you and us. Representations
or promises made by anyone that are not contained in the EOC,
Key Terms, or Legal Disclosures are not part of your coverage. In
case of a conict between this Guide to Benets and the Group
Policy, the Guide to Benets shall control.
Important information. Please read and save.
This Guide to Benets contains detailed information
about insurance and other services you can access
as a preferred cardholder. This Guide supersedes any
Guide or program description you may have received
earlier.
To le a claim or for more information on any of
these services, call the Mastercard Assistance
Center at
1-800-Mastercard: 1-800-627-8372,
or en Español: 1-800-633-4466.
“Card” refers to World Mastercard® card and
“Cardholder”refers to a Mastercard® cardholder.
Mastercard
®
Guide
to Benets
for Credit Cardholders
GTE Financial GO TO
World Mastercard
©2019 Mastercard. WRLD_0319
To le a claim, call 1-800-Mastercard: 1-800-627-8372,
or en Español: 1-800-633-4466.
Visit our website at www.mastercard.com.
Key Terms
Throughout this document, you and your refer to the Cardholder.
We, us, and our refer to New Hampshire Insurance Company, an
AIG company, New York, NY.
Account Holder means a person to whom an Eligible Account is
issued and who holds the Eligible Account under his or her name.
Administrator means Sedgwick Claims Management Services,
Inc. You may contact the Administrator if you have questions
regarding this coverage or would like to make a claim. The
Administrator may be reached by phone at 1-800-Mastercard.
Authorized User means a person who is recorded as an
authorized user of an Eligible Account by the Account Holder and
who is authorized by the Account Holder to make payments to
the Eligible Account.
Cardholder means the Account Holder or Authorized User of an
Eligible Account in good standing.
Covered Card means the Mastercard® card linked to your Eligible
Account.
Eligible Account means the account associated with the
Cardholder’s U.S. issued credit card, debit card, checking account,
line of credit, loan, certicate of deposit or other account that is
eligible for coverage under the Group Policy.
Eligible Cellular Wireless Telephones means the cellular
telephones associated with the primary line and additional
or supplemental lines on the Eligible Person’s monthly billing
statement from a cellular provider for the billing cycle preceding
the month in which the theft or damage occurred.
Eligible Person means a Cardholder who charges his or her
monthly bill for an Eligible Cellular Wireless Telephone to his or
her Covered Card. No person or entity other than the Eligible
Person(s) described shall have any legal or equitable right, remedy
or claim for the insurance proceeds arising out of this coverage.
Evidence of Coverage (EOC) means the summary of benets
set forth below which describe the terms, conditions, limitations
and exclusions of the coverage provided to you at no additional
charge under the Group Policy. Representations or promises made
by anyone that are not contained in the Group Policy are not
part of your coverage. In the event the EOC, Key Terms, or Legal
Disclosures of this Guide to Benets conict with the provisions
of the Group Policy, the terms of the Group Policy govern your
coverage.
Group Policy means the Cellular Protection Insurance Policy
entered between New Hampshire Insurance Company, an AIG
Company, and Mastercard Insurance Master Trust, which is the
subject of this Guide to Benets.
Mysteriously Disappear means the vanishing of an item in an
unexplained manner where there is absence of evidence of a
wrongful act by a person or persons.
Stolen means taken by force and/or under duress or a loss
which involves the disappearance of an Eligible Cellular Wireless
Telephone from a known place under circumstances that would
indicate the probability of theft and for which a police report was
led within forty-eight hours of the theft.
Postmates
Program Description:
Postmates helps people unlock the best of their cities – and their
lives, with an insanely reliable “everything” network. Postmates
is the rst on-demand company – helping customers in 650
US cities & Mexico get anything, anytime, anywhere. World
Mastercard cardholders receive a $5 discount on all orders over
$25.
Eligibility:
To be eligible for this benet, you must use a valid World
Mastercard issued by a U.S. nancial institution.
How to use the Postmates benet:
• Visit http://www.postmates.com or download the Postmates
app from the App Store, Google Play, or simply enter your phone
number to get a download link at http://www.postmates.com.
• Sign into your Postmates account or create a new account by
signing up via mobile app or at http://www.postmates.com.
• Add a World Mastercard to your account and continue through
the regular purchase ow.
• The $5 discount will be automatically applied for all orders over
$25 (not including taxes, delivery fees, and tips) using a World
Mastercard.
Terms and Conditions:
• Full Terms & Conditions for this benet, including the most
up-to-date Terms & Conditions for usage of Wallets (i.e. Apple
Pay, Google Pay) are found at http://www.postmates.com/
mastercard-world. For full Postmates Terms & Conditions,
please visit https://postmates.com/legal/terms.
• If your total (excluding taxes, delivery fees and tips) after the
discount from another promo code is greater than $25, you are
still eligible for the $5 discount oer.
ShopRunner
Program Description:
ShopRunner is an online shipping service that helps its members
save both time and money. ShopRunner members receive
unlimited free two-day shipping and free return shipping on
purchases at more than 140 online stores, including clothing,
shoes, beauty, electronics, home, gifts and more. Retailers include
Neiman Marcus, Lord & Taylor, American Eagle, Tory Burch, Calvin
Klein, Kate Spade, 1-800-Flowers.com and many more.
Eligibility:
To be eligible for a free ShopRunner membership, you must be
a valid World Mastercard cardholder who holds a Mastercard
issued by a U.S. nancial institution.
How to use the ShopRunner benet:
• Create a ShopRunner account on the www.shoprunner.com/
mastercard website.
• Shop at the participating merchants from the merchant site,
from the links on the ShopRunner site, or from the ShopRunner
mobile app.
• Once you are logged into your account, the free shipping
benet is applied, provided the item is eligible for free shipping.
• ShopRunner members also enjoy free return shipping on their
orders placed with ShopRunner.
Terms and Conditions:
Full Terms & Conditions are found at www.shoprunner.com/
terms/sr/
• ShopRunner members are entitled to free two-day shipping on
all eligible purchases as well as free returns.
• Shipping:
o Eligible items will ship within 2 business days via shipping
partners like UPS and FedEx. ShopRunner only ships to
physical addresses in the United States, including, in most
cases, Alaska, Hawaii and Puerto Rico, but in some cases,
certain regions cannot be reached in two days. Any shipment
to a PO Box, APO/FPO/DPO or international address is
excluded from the ShopRunner program.
o Items that are eligible for ShopRunner benets will be
designated on the Retailer’s site. ShopRunner is only available
for certain online purchases and certain products on a
Retailer’s site, and ShopRunner may not be available on all
web browsers (e.g., mobile websites, smart phone mobile
or tablet applications). Certain Retailers may require a
minimum aggregate order value in order for an order to be
eligible for ShopRunner benets.
• Returns:
o For returns of eligible items, ShopRunner members must
follow the Retailer’s return policies and instructions.
o In the event that a merchant who participates in the
ShopRunner service oers free return shipping, the
cardholder will return the ShopRunner eligible item through
the merchant’s standard process.
o For returns of eligible items purchased via the ShopRunner
service, for which the merchant does not oer free return
shipping, ShopRunner will provide cardholder with a postage-
paid return label that can be used to return items back to the
merchant. To obtain your ShopRunner pre-paid return label
simply sign in to the My Account section on www.shoprunner.
com. Next to each ShopRunner eligible order there is a link
to generate a pre-paid return label. Print the label, ax it to
your return packaging and follow the rest of the Retailer’s
return instructions.
onenestay
Program Description:
onenestay provides access to over 10,000 high-end rental
homes around the world. The local guest services team
welcomes you at the home and is available 24/7. Each home
is stocked with high quality sheets, towels and toiletries.
Cardholders receive a 10% discount on all onenestay
bookings. You will also receive free Wi and a complimentary
iPhone, with free local calls and data, to use during your stay.
Eligibility:
To be eligible for the 10% discount, you must be a valid World
Mastercard cardholder who holds a Mastercard issued by a
U.S. nancial institution.
How to use the onenestay benet:
• Go online to www.onenestay.com/mastercard to book
directly using a promo code provided by the issuer, or call
the Mastercard or issuer’s concierge. The concierge can help
provide information on onenestay and can transfer you to
onenestay for further questions or booking.
Terms and Conditions:
Full Terms & Conditions are found at www.onenestay.com/
terms-conditions/
• Mastercard World cards must be used for payment to receive
oer.
• Cardholders will be provided with a preliminary invoice at the
time of booking and be required to prepay certain amounts
related to such booking.
• Any additional services which are requested at the time of
the booking may also be included in the preliminary invoice,
which is provided before prepayment, and onenestay
reserves the right to demand payment in advance for any
additional services used during a booking.
• If a cardholder cancels a booking within 24 hours of receipt
of a conrmation of booking, provided they book more than
seven days prior to the stay, then they are entitled to a full
refund.
• If they cancel a booking more than 14 days prior to
commencement of the booking period, then they will be
responsible for 50% of the full accommodation fees.
• If they cancel a booking 14 days or less prior to the
commencement of the booking period, then they will be
responsible for the full accommodation fees for the entirety
of the booking period.
• The check-out time at the accommodation is as stated in the
booking summary.
Mastercard ID Theft Protection™
Program Description:
Mastercard ID Theft Protection (IDT) provides you with
access to a number of Identity Theft resolution services,
should you believe you are a victim of Identity Theft. This
product oering will alert you about possible identity theft
by monitoring the surface, dark and deep web, searching for
compromised credentials and potentially damaging use of your
registered personal information in order to detect fraud at its
inception.
Eligibility:
All Mastercard consumer credit cardholders in the US are
eligible for this coverage.
Access:
Simply contact 1-800-Mastercard if you believe you have been
a victim of Identity Theft.
Services Provided:
Services provided are on a 24-hour basis, 365 days a year.
In order to receive the following services you must enroll at:
https://mastercardus.idprotectiononline.com/. The services
include:
Online Monitoring Dashboard (requires activation): The
online monitoring dashboard is the primary user interface
for cardholders. It serves as a repository of all the personally
identiable information (PII) data the cardholder wants
to monitor, tracks and displays cardholders’ risk score, and
provides access to identity protection tips. It is also the
platform for cardholders to respond to identity monitoring
alerts.
Monthly Risk Alert / Newsletter: Cardholders will receive
a monthly newsletter with information on the cardholder’s
risk score, and articles pertaining to good identity protection
practices.
Identity Monitoring: IDT searches the internet to detect
compromised credentials and potentially damaging use of
your personal information, and alerts you via email so that you
can take immediate action. This platform utilizes automated
monitoring and human threat intelligence from cyber
operations agents monitoring threat actors and their tactics
on the deep and dark web where personal data is bought and
sold. Data elements that can be monitored are:
• Email addresses
• Debit/credit cards/prepaid cards
• Bank accounts
• Web logins; username and password
• Medical insurance cards
• Drivers’ license
email addresses are found in a data breach, this service
will alert the registered cardholder via email and provide
information regarding the specic email address that was
breached along with information about the date found and
source (provided that this information is available).
For more information regarding the services stated
above and additional information, please visit https://
mastercardus.idprotectiononline.com/.
Charges:
There is no charge for these services, they are provided by
your nancial institution.
Services NOT Provided:
• When it is determined you have committed any dishonest,
criminal, malicious or fraudulent act.
• When your nancial institution or card issuer which
provides this service, has investigated the event and
deemed you are responsible the charge or event.
• When any theft or unauthorized use of an account by a
person to whom the account has been entrusted has been
committed.
Program Provisions for Mastercard ID Theft Protection:
This service applies only to you, the named Mastercard
cardholder. You shall use due diligence and do all things
reasonable to avoid or diminish any loss or damage to
property protected by the program. The provider, Generali
Global Assistance, relies on the truth of statement made
in the adavit or declaration from each cardholder. This
service is provided to eligible Mastercard cardholders
at no additional cost and is in eect for acts occurring
while the program is in eect. The terms and conditions
contained in this program Guide may be modied by
subsequent endorsements. Modications to the terms and
conditions may be provided via additional Guide mailings,
statement inserts, or statement messages. Mastercard
or your nancial institution can cancel or non-renew these
services, and if we do, we will notify you at least thirty (30)
days in advance. If the Provider non-renews or cancels any
services provided to eligible Mastercard cardholders, you
will be notied within 30–120 days before the expiration
of the service agreement. In the event substantially similar
coverage takes eect without interruption, no such notice
is necessary. For general questions regarding these services,
please contact 1-800-Mastercard.
Cellular Wireless Telephone Protection
Key Terms
Please see the ‘Key Terms’ section for the terms used
throughout this benet.
Evidence of Coverage
Refer to Key Terms for the denitions of you, your, we, us,
our, and words that appear in bold. This EOC is subject to
the Legal Disclosures set forth below.
A. To get coverage:
You must charge your monthly Eligible Cellular Wireless
Telephone bill to your Covered Card. You are eligible for
coverage the rst day of the calendar month following the
payment of your Eligible Cellular Wireless Telephone bill to
your Covered Card. If you pay an Eligible Cellular Wireless
Telephone bill with your Covered Card and fail to pay a
subsequent bill to your Covered Card in a particular month,
your coverage period changes as follows:
1. Your coverage is suspended beginning the rst day of
the calendar month following the month of nonpayment to
your Covered Card; and
2. Your coverage resumes on the rst day of the calendar
month following the date of any future payment of your
Eligible Cellular Wireless Telephone bill with your Covered
Card.
B. The kind of coverage you receive:
• Reimbursement for the actual cost to replace or repair a
Stolen or damaged Eligible Cellular Wireless Telephone.
• Coverage ends on the earliest of: The date you no
longer are a Cardholder; the date the Covered Card
is determined to be ineligible by the participating
organization; the date the participating organization
ceases to pay premium on the Group Policy; the date the
participating organization ceases to participate in the
Group Policy; the date the Group Policy is terminated.
C. Coverage limitations:
Coverage for a Stolen or damaged Eligible Cellular Wireless
Telephone is subject to the terms, conditions, exclusions,
and limits of liability of this benet. The maximum liability
is $600 per claim for World Mastercard, and $1,000 per
Covered Card per 12 month period. Each claim is subject to
a $50 deductible. Coverage is limited to two (2) claims per
Covered Card per 12 month period.
Coverage is excess of any other applicable insurance or
indemnity available to you. Coverage is limited only to those
amounts not covered by any other insurance or indemnity. In
no event will this coverage apply as contributing insurance.
This “noncontribution” clause will take precedence over
a similar clause found in other insurance or indemnity
language.
D. What is NOT covered:
The following items are excluded from coverage under the
Group Policy:
• Eligible Cellular Wireless Telephone accessories other than
the standard battery and standard antenna provided by
the manufacturer;
• Loyalty cards
• Anity cards
• Passport number
• Vehicle insurance cards
• Social Security number
To take advantage of this service, the cardholder must
enter the personal information they wish to monitor on the
dashboard.
Resolution Services: You will have access to a team of identity
theft resolution specialists, available 24 hours a day, 365
days a year to help resolve your identity theft incident and
prevent further damage. The resolution specialists are native
speakers of English, French and Spanish, and are based out
of Bethesda, Maryland. Cardholders are given the option to
sign limited power of attorney (LPOA) to the specialist, to
allow them to conduct resolution activities on the cardholders’
behalf, including contacting police, credit agencies, and other
authorities, translating information, and closing and replacing
breached accounts.
Lost Wallet Assistance: Cardholders will be provided
assistance with notifying the appropriate issuing authorities to
cancel and replace stolen or missing items, such as their debit/
credit cards, driver’s license, Social Security card, and passport.
Single Bureau Credit Monitoring: Cardholders’ TransUnion
credit le will be monitored for changes that could indicate
fraud such as new credit inquiries, an address change or new
credit account(s) opened in their name. An alert notication
via email will be sent anytime a hard inquiry is made on the
cardholders’ TransUnion credit le so they can take immediate
action to minimize damage.
To take advantage of this service, the cardholder must enter
their Social Security number on the dashboard and pass credit
authentication.
Financial Account Takeover: IDT monitors cardholder’s high-
risk transactions with more than 300 of the nation’s largest
companies to uncover and thwart account takeover attempts.
Monitored transactions include:
• Debit/credit cards/prepaid cards
• Bank accounts
• Brokerage accounts
• Healthcare portals
• Workplace intranets
• Other services (e.g. peer-to-peer fund transfers)
To take advantage of this service, the cardholder must enter
the accounts they wish to protect on the dashboard.
URL and Domain Monitoring: URL and Domain monitoring
allows Cardholder to enter up to 10 domain or URL names
related to cardholder’s business. This service will monitor the
domain and URL names for any compromised email addresses
associated with the domain or URL names and if compromised
