Visa
Signature
®
Credit Card Benefits
Benefit information in this guide is effective
as of 2/1/2021 and replaces any prior benefit
information You may have received. Please
read and retain for Your records. Your eligibil-
ity is determined by Your financial institution.
The offer and event examples in these sec-
tions are subject to change. For current offers
and events, go to visa.com/signature.
2
Cardholder Inquiry Service
Product and service information at
your fingertips
Cardholder Inquiry Service provides custom-
er phone support for general inquiries and
provides product or service information to all
Visa cardholders.
Benefits at a glance
24-hour cardholder information and assis-
tance by phone to all Visa cardholders calling
from anywhere in the world, provided by Visa
Global Customer Care Services. Toll-free
numbers are supported 24 hours a day, seven
days a week.
• Quick and accurate account and card
benefit information
• Product and service information at your
fingertips.
• Customer service available in all major
languages.
How it works
Cardholder Inquiry Service provides
customer phone support for general
inquiries and provides product/service
information for Visa cardholders. Visa
Global Customer Care Services team
provides information regarding general
account or card benefit questions.
3
Lost or stolen card reporting
Assistance is a phone call away
Enjoy peace of mind knowing that if your Visa
card is ever lost or stolen, assistance is only a
phone call away.
Benefits at a glance
• Call Visa Global Customer Care Services
at 1-800-847-2911 (within the U.S. or
Canada) if your card has been lost or
stolen.
• For the hearing impaired, please call
1-800-TDD-1213 in the U.S. or Canada or
1-305-278-4285 or 1-512-865-2002 in
all other countries.
• Toll-free numbers are supported 24 hours
a day, seven days a week.
• Peace of mind from Visa Global Customer
Care Services.
Benefit details
With the Visa Lost/Stolen Card Reporting ser-
vice, reporting a lost or stolen card is simple.
Just call Visa Global Customer Care Services
at 1-800-847-2911, or call one of our global
toll-free numbers and a Visa representative will
work with you to notify the appropriate parties
and replace your card.
4
Emergency card replacement &
emergency cash disbursement
Have a lost, stolen or damaged card?
Need emergency cash?
Visa will block your card (if the card number
is known) and connect you with your financial
institution/credit union. Following credit
union approval, cardholders can also get an
emergency card replacement within one to
three business days.
*
Alternatively, Visa can
arrange for cash to be available at a location
near you usually within hours of your credit
union’s approval. If your Visa card is ever lost
or stolen, we’ll help you notify the appropriate
parties and replace your card.
Zero Liability
Use your Visa card to make purchases
anywhere and you’re protected from
unauthorized use of your card or account
information. With the Visa Zero Liability
policy,
1
your liability for unauthorized
transactions
2
is $0—you pay nothing.
*Some restrictions/limitations apply. Details at https://usa.visa.com/support/consumer/
lost-stolen-card.html#2
1
Visa’s Zero Liability policy does not apply to certain commercial card and anonymous
prepaid card transactions or transactions not processed by Visa. Cardholders must use
care in protecting their card and notify their issuing financial institution immediately of
any unauthorized use. Contact your issuer for more detail.
2
Financial institutions may exclude from the Zero Liability policy a transaction made by
a person authorized to transact business on the account and/or a transaction made by
a cardholder that exceeds the authority given by the account owner.
Additional details at https://usa.visa.com/pay-with-visa/visa-chip-technology-
consumers/zero-liability-policy.html
5
Roadside Dispatch®
For roadside assistance,
call 1-800-847-2869.
What is Roadside Dispatch?
Roadside Dispatch is a pay-per-use roadside
assistance program. The program provides
you with security and convenience wherever
your travels take you.
No membership or pre-enrollment is required. No annual
dues. No limit on usage.
The program provides a set price per
service call:
• Standard towing – up to 5 miles included
1
• Tire changing – must have good, inflated
spare
• Jump starting
• Lockout service (no key replacement)
• Fuel delivery – up to 5 gallons (plus the
cost of fuel)
• Standard winching
1
Any vehicle with wheels is covered under the program as long as it can be classified as
‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles
weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are
NOT covered under this program.
6
Roadside Dispatch will ask you where you are,
what the problem is, and while they remain on
the phone with you, they will arrange a dispatch
to a reliable tow operator or locksmith to provide
help. (If you feel you are in an unsafe location,
Roadside Dispatch will advise you to hang up
and dial 911. If you are not able to dial 911, they
will call the non-emergency police number in
your area and will remain on the phone at your
request until the police arrive.) You have the
convenience of one toll-free phone number and
you may save money because their rates are pre-
negotiated.
Note: Customers must pay service provider
for mileage over five miles. A secondary unit
being towed behind is not included but can be
accommodated for an additional fee. Standard
winching applies within 100 feet of paved or
county-maintained roads only. Current fee for a
standard service call is $69.95. Additional fees
may apply for winching services under certain
circumstances. Service call fees are subject
to change at any time; however, callers will be
notified of pricing prior to any service dispatch.
This program may be discontinued at any
time without prior notice. Program void where
prohibited.
Dependable roadside assistance, 24 hours a day,
seven days a week has never been easier. No
membership or pre-enrollment is required. Just call
Roadside Dispatch toll-free when you need them.
1-800-847-2869
It’s that easy!
7
Additional Terms:
Service providers supplying emergency
roadside assistance and towing are
independent contractors and are solely liable
for their services. Neither Visa nor Mountain
America shall have any responsibility or
liability in connection with the rendering of
the service. Emergency roadside assistance
and towing may not be available in areas
not regularly traveled, nor in other “o road”
areas not accessible by ordinary towing
vehicles. Weather conditions, time of day, and
availability of service may aect assistance
responses. Expectations for dispatch are
set with the customer on every call, and an
expected estimated time of arrival is provided
to the customer regardless of their location;
however, neither Visa nor Mountain America
provides any assurances as to the ability of the
service provider to meet such estimates. You
are responsible for any roadside assistance
or towing charges incurred by facilities
responding to your request even if you are
not with your vehicle or your vehicle is gone
upon their arrival. 24-hour roadside assistance
services provided by: Cross Country Motor
Club, Inc. d/b/a Agero, a Massachusetts
corporation, and Cross Country Motor Club of
California, Inc. a California corporation.
8
Travel Benefits:
Visa Signature® Luxury Hotel Collection
The Visa Signature Luxury Hotel Collection
gives you access to a premium collection of
benefits from over 900 of the world’s finest
hotels, including brands like The Peninsula
Hotels, Park Hyatt and Shangri La. Enjoy an
unparalleled experience with special ameni-
ties, discounts, room upgrades upon arrival
and 3 p.m. checkout (when available)—plus,
a $25 food or beverage credit and more.
**
And
with access to your complimentary, 24/7 Visa
Signature® Concierge,
*
your stay is even easier.
Simply call (800) 953-7392 or go to visasigna-
tureconcierge.com for assistance choosing a
hotel, booking your room and more—even din-
ner reservations and event tickets. Get details
at visasignaturehotels.com.
*Mountain America Visa Signature cardholders are responsible for the payment of
any and all charges associated with any goods, services, reservations or bookings
purchased or arranged by the Visa Signature Concierge on the cardholders’ behalf. Any
such purchases or arrangements are solely between the cardholder and the respective
merchant, and Visa is not a party to the transaction. All goods and services subject to
availability. See full terms of service at visasignatureconcierge.com.
**In cases where one of the benefits is not available at a hotel, the hotel may provide
a substitute benefit of equal value. Some hotels may provide one of the benefits as a
standard feature of the room being booked. In those cases, the hotel may or may not
provide a substitute benefit of equal value. Resort fees that cover any of the benefits are
not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel
Collection website or through Visa Concierge for benefits to apply. Please consult the
terms and conditions for each property.
9
Silvercar Audi rentals
Get on your way in a luxurious Audi. Rent with
award-winning Silvercar and save up to 15%
courtesy of your Mountain America Visa Signa-
ture card.
***
Book right from your smartphone
and ride in style with a best-in-class Audi,
every time. With Silvercar, you’ll enjoy unprec-
edented convenience—no lines, no paperwork
and no hassles. Plus, tech-ready features like
WiFi, GPS and SiriusXM Satellite Radio are
free. Look for Silvercar in 25 U.S. cities, with
additional locations coming soon. Start now
and experience car rentals the way they should
be. Visit silvercar.com/partners/vsignature
and create a Silvercar account to redeem this
oer online.
***Silvercar Oer Terms & Conditions:
Oer valid for U.S.-issued Signature Visa cards. Cardholders must validate card eligibility
and register at silvercar.com/partners/vsignature to receive the up to 15% (with a
guaranteed discount of 10%) discount on qualifying Silvercar rentals. To reserve within
the Silvercar app, Cardholder must validate card eligibility and create a Silvercar account
with card on file added. No blackout dates. Oer not valid with any other oer unless
stated otherwise. Discount applies to base rental rate before surcharges and taxes. Your
validated U.S.-issued Visa Signature card must be used for the booking. A change to
a dierent card will not receive the discount. Discount must be applied at the time of
booking and may not be added before or after the time of rental.
Visa Terms & Conditions
Oer subject to change and is based on the individual merchant’s terms and conditions.
Void where prohibited or restricted by law. Any taxes are the sole responsibility of the
purchaser.
10
Lifestyle Benefits:
Entertainment oers
Experience the most out of life with special
entertainment oers when you use your
Mountain America Visa Signature card. Enjoy
live performances and more with upgrades
and savings just for Visa Signature cardhold-
ers. Whether you’re traveling to new places or
just having a night out at home, your Mountain
America Visa Signature card lets you experi-
ence life like never before. Visit visa.com/sig-
nature to learn more.
Fine wine & food oers
Indulge your epicurean passions with every-
thing gourmet, including dining events and
special access at more than 50 select wineries
in Sonoma County.
*
It’s just one more way your
Mountain America Visa Signature card lets
you experience the best in life—from travel to
entertainment, fine food and more. To make
a restaurant reservation, call Visa Signature®
Concierge
**
at (800) 953-7392.
*Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries
and are subject to change at any time. Go to visa.com/signaturefood for full details.
**Mountain America Visa Signature cardholders are responsible for the payment of any
and all charges associated with any goods, services, reservations or bookings purchased
or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases
or arrangements are solely between the cardholder and the respective merchant, and
Visa is not a party to the transaction. All goods and services subject to availability. See
full terms of service at visasignatureconcierge.com.
11
Sports oers
Treat yourself with travel packages to once-
in-a-lifetime sports experiences with your
Mountain America Visa Signature card. Plus
get discounts on golf merchandise, greens
fees and even instruction at over 95 courses
worldwide. For event details and tickets, go to
visa.com/signature.
Troon Rewards® golf benefits
Save on golf tee times, merchandise and
instruction with Troon Rewards. Enjoy
automatic Silver Status and 10% o when
you sign up with your Mountain America Visa
Signature card. Cardholders with existing Troon
Rewards memberships will be automatically
upgraded one status level. Certain restrictions
apply. See complete Troon Rewards Visa
Signature Benefit Terms & Conditions.
***
Visit
troongolfrewards.com/visasignature/ to sign up
and book tee times today.
*** T&Cs: U.S.- issued Visa Signature credit cardholders are entitled to receive
complimentary Silver status in the Troon Rewards® program. Existing Troon Rewards
members who have already attained Silver status or higher will be upgraded to the next
membership level. An eligible U.S-issued Visa Signature credit card is required for tee
time reservations. At the Silver, Gold, and Platinum membership levels, the cardholder
will be entitled to a 10%, 15% and 20% discount respectively on golf fees reserved
on the Visa Signature Troon website or on merchandise purchases made at the golf
properties when using their Visa Signature credit card. Troon, Visa or its issuers or any of
its concierge providers are not responsible for any claims or damages arising from this
oer. By reserving through Troon, the cardholder consents to be bound by all the terms
and conditions, as stated herein. Troon and Visa reserve the right to modify or cancel
this oer at any time without notice. Limitations of Liability (LOL): Participant agrees to
comply with all applicable venue regulations with respect to the oer. In redeeming this
oer, participant, on behalf of himself/herself and his/her immediate family members
(spouse, parents, children and siblings and their spouses) and individuals living in
the same households of such participants, whether or not related, agrees to release
and hold harmless ocers, directors, employees, agents, and assigns of Mountain
America, Troon, Visa Inc., Visa U.S.A. Inc., Visa International Service Association,
Qualfon Inc. and their respective parents, subsidiaries, successors, aliates, and related
companies, client financial institutions, prize suppliers, and advertising, promotion and
marketing agencies, including International Merchandising Company LLC, (collectively,
the “Released Parties”) from any and all liability or damage of any kind (including
personal injury) resulting from or arising from participation in the event or acceptance,
possession, use, misuse or nonuse of the oer (including any travel or travel-related
activity thereto).
13
Concierge:
Visa Signature Concierge
Now you can get assistance with travel and
restaurant reservations, gift arrangements,
event tickets, business services, and more—
24 hours a day, seven days a week. Concierge
Services
*
is just one of the many benefits that
you can take advantage of as a Mountain
America Signature cardholder.
Entertainment planning
• Provide assistance with restaurant
reservations or booking reservations on
your behalf.
• Make reservations or provide tee time
information on golf courses and/or resorts.
You can also receive detailed information
about the requested course such as name,
address, number of holes, golf pro name,
etc.
• Provide assistance in obtaining tickets to
musicals, plays, concerts, ballets, operas,
museums, and sporting events, etc.
• Provide information on leisure tours, tennis
courts, health and fitness clubs, shopping
location information while traveling, and
more.
14
Business services
• Provide emergency translation services.
• Locate and arrange for business
equipment rentals and meeting facilities.
• Relay protocol and etiquette information.
Specialty services
• Provide information on and make
arrangements for floral or gift basket
delivery.
• Undertake specialty research and
specialty shopping requests by utilizing all
available resources.
• Place a reminder telephone call or send
an email at any specified time period
requested.
The following services are not provided by
Concierge Services:
• Ability to gain special access to restaurants.
• Ability to gain special access to sold
out venues or popular events; however,
there are current relationships with ticket
brokers who may be able to provide
access at current market prices at time
of booking.
15
Discounts
• Extensive planning services such as
assistance in wedding planning is not
available; however, the concierges can
assist by locating a wedding planner for
you.
• Local errand-running services or local
personal services such as babysitting;
however, the concierges can provide
professional recommendations (excluding
medical recommendations). Professional
recommendations would normally be
for services that have a significant local
presence and can demonstrate they
are licensed and insured (for example,
for maid cleaning services, a corporate
entity such as Merry Maids® would be
recommended, rather than a local person).
• Services which are illegal, unethical, or
immoral.
• Vacation packages cannot be assembled
and are not available.
• Cruises are not available; however, the
concierge can recommend a local travel
agency that can recommend/book cruises.
To learn more about Concierge Services,
contact us at 1-800-895-8518, or call collect
outside the U.S. at 1-804-965-8400.
*Certain restrictions and limitations apply. The costs for goods or services purchased
through Concierge Services are the cardholder’s responsibility.
16
Auto Rental Collision
Damage Waiver
No cardholder wants to incur the expense of
repairing or replacing a rented car. But acci-
dents do happen, and vehicles do get stolen.
No matter what happens to Your rental car,
You can be covered with Auto Rental Collision
Damage Waiver. Auto Rental Collision Damage
Waiver reimburses You for damages caused by
theft or collision—up to the Actual Cash Value
of most rented cars. Auto Rental Collision
Damage Waiver covers no other type of loss.
For example, in the event of a collision involv-
ing Your rented vehicle, damage to any other
driver’s car or the injury of anyone or anything
is not covered. Rental periods of fifteen (15)
consecutive days within Your country of resi-
dence, and thirty-one (31) consecutive days
outside it, are both covered. (Longer rental
periods, however, are not covered.)
You are eligible for this benefit if Your name
is embossed on an eligible card issued in the
United States and You use it to initiate and
complete Your entire car rental transaction.
Only You as the primary car renter and any
additional drivers permitted by the Rental Car
Agreement are covered.
17
How Auto Rental Collision Damage Waiver
works with other insurance
Auto Rental Collision Damage Waiver cov-
ers 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 cov-
ered theft or damage to the nearest qualified
repair facility.
If You do have personal automobile insur-
ance or other insurance that covers theft or
damage, this benefit reimburses You for the
deductible portion of Your car insurance or
other insurance, along with any unreimbursed
portion of administrative and loss-of-use
charges imposed by the car rental company,
as well as reasonable towing charges while the
car was Your responsibility.
If You do not have personal automobile in-
surance or any other insurance, the benefit
reimburses You for covered theft, damage,
or administrative and loss-of-use charges
imposed by the rental company, as well as
reasonable towing charges that occur while
You are responsible for the vehicle.
If You are renting outside of Your country of
residence, the coverage provided under this
benefit is primary and reimburses You for cov-
ered theft, damage, or administrative and loss-
of-use charges imposed by the rental compa-
ny, as well as reasonable towing charges that
occur while You are responsible for the vehicle.
18
How to use Auto Rental Collision
Damage Waiver
1. Use Your card to initiate and complete
Your entire car rental transaction.
2. Review the auto rental agreement and
decline the rental company’s collision
damage waiver (CDW/LDW) option, or a
similar provision, as accepting this cover-
age will cancel out Your benefit. If the rent-
al company insists that You purchase their
insurance or collision damage waiver, call
the Benefit Administrator for assistance
at 1-800-348-8472. Outside the United
States, call collect at 1-804-673-1164.
Before You leave the lot, be sure to check the
car for any prior damage.
This benefit is in eect during the time the
rental car is in Your (or an authorized driver’s)
control, and it terminates when the rental
company reassumes control of their vehicle.
This benefit is available in the United States
and most foreign countries (with the exception
of Israel, Jamaica, the Republic of Ireland or
Northern Ireland). However, this benefit is not
available where precluded by law, or where it’s
in violation of the territory terms of the auto
rental agreement, or when prohibited by indi-
vidual merchants. Because regulations vary
outside the United States, check with Your
auto rental company and the Benefit Admin-
istrator before You travel, to be sure that Auto
Rental Collision Damage Waiver will apply.
19
Vehicles not covered
Certain vehicles are not covered by this bene-
fit, they consist of: expensive, exotic, and an-
tique cars; cargo vans; certain vans; vehicles
with an open cargo bed; trucks; motorcycles;
mopeds; motorbikes; limousines; and recre-
ational vehicles.
Examples of expensive or exotic cars are the
Alfa Romeo, Aston Martin, Bentley, Corvette,
Ferrari, Jaguar, Lamborghini, Lotus, Maserati,
Maybach, McLaren, Porsche, Rolls Royce,
and Tesla. However, selected models of Audi,
BMW, Mercedes-Benz, Cadillac, Infiniti, Land
Rover, Lexus, Lincoln, and Range Rover are
covered.
An antique car is defined as one that is over
twenty (20) years old, or one that has not been
manufactured for ten (10) years or more.
Vans are not covered. But those designed as
small-group transportation vehicles (seating
up to nine (9) people, including the driver) are
covered.
If You have questions about a specific ve-
hicle’s coverage or organization where the
vehicle is being reserved, call the Benefit Ad-
ministrator at 1-800-348-8472, or call collect
outside the United States at 1-804-673-1164.
20
Related instances & losses not covered
• Any obligation You assume under any
agreement (other than the deductible on
Your personal auto policy)
• Any violation of the auto rental agreement
or this benefit
• Injury of anyone, or damage to anything,
inside or outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived, or paid by the
auto rental company, or its insurer
• The cost of any insurance, or collision
damage waiver, oered by or purchased
through the auto rental company
• Depreciation of the Rental Vehicle caused
by the incident including, but not limited
to, “diminished value”
• Expenses reimbursable by Your insurer,
employer, or employer’s insurance
• Theft or damage due to intentional acts,
or due to the driver(s) being under the
influence of alcohol, intoxicants, or drugs,
or due to contraband, or illegal activities
• Wear and tear, gradual deterioration, or
mechanical breakdown
• Items not installed by the original manu-
facturer
• Damage due to o-road operation of the
Rental Vehicle
21
• Theft or damage due to hostility of any
kind (including, but not limited to, war,
invasion, rebellion, insurrection, or terrorist
activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of
covered vehicles
• Rental periods that either exceed, or are
intended to exceed, fifteen (15) consecu-
tive days, within Your country of residence,
or thirty-one (31) days outside Your coun-
try of residence
• Leases and mini leases
• Theft or damage as a result of the autho-
rized driver’s and/or cardholder’s lack of
reasonable care in protecting the Rental
Vehicle before and/or after damage or
theft occurs (for example, leaving the car
running and unattended)
• Theft or damage reported more than
forty-five (45) days
*
after the date of the
incident
• Theft or damage for which a claim form
has not been received within ninety (90)
days
*
from the date of the incident
• Theft or damage for which all required
documentation has not been received
within three hundred and sixty-five (365)
days after the date of the incident
• Theft or damage from rental transactions
that originated in Israel, Jamaica, the Re-
public of Ireland, or Northern Ireland
*
Not applicable to residents in certain states
22
Filing a claim
It is Your responsibility as a cardholder to make
every eort to protect Your Rental Vehicle from
damage or theft. If You have an accident, or
Your Rental Vehicle has been stolen, immedi-
ately call the Benefit Administrator at 1-800-
348-8472 to report the incident, regardless
of whether Your liability has been established.
Outside the United States, call collect at
1-804-673-1164.
You should report the theft or damage as soon
as possible but no later than forty-five (45)
days from the date of the incident.
The Benefit Administrator reserves the right to
deny any claim containing charges that would
not have been included, if notification occurred
before the expenses were incurred. Thus, it’s in
Your best interest to notify the Benefit Adminis-
trator immediately after an incident. Reporting
to any other person will not fulfill this obligation.
What You must submit to file a claim
At the time of the theft or damage, or when
You return the Rental Vehicle, ask Your car
rental company for the following documents:
• A copy of the accident report form
• A copy of the initial and final auto rental agree-
ments (front and back)
• A copy of the repair estimate and itemized
repair bill
• Two (2) photographs of the damaged vehicle, if
available
• A police report, if obtainable
• A copy of the demand letter which indicates
23
the costs You are responsible for and any
amounts that have been paid toward the claim
Submit all of the above documents from the
rental company, along with the following docu-
ments, to the Benefit Administrator:
• The completed and signed Auto Rental Col-
lision Damage Waiver claim form (Important:
This must be postmarked within ninety (90)
days
*
of the theft or damage date, even if all
other required documentation is not yet avail-
able – or Your claim may be denied).
• A copy of Your monthly billing statement
(showing the last 4 digits of the Account
number) demonstrating that the entire rental
transaction was made on Your eligible Account.
• A statement from Your insurance carrier (and/
or Your employer or employer’s insurance
carrier, if applicable), or other reimbursement
showing the costs for which You are respon-
sible, and any amounts that have been paid
toward the claim. Or, if You have no applicable
insurance or reimbursement, a statement of no
insurance or reimbursement is required.
• A copy of Your primary insurance policy’s Dec-
larations Page (if applicable) to confirm Your
deductible (This means the document(s) in
Your insurance policy that lists names, cover-
ages, limits, eective dates, and deductibles).
• Any other documentation required by the Ben-
efit Administrator to substantiate the claim.
Finally, please note that all remaining doc-
uments must be postmarked within three
hundred and sixty-five (365) days
*
of the theft
or damage date or Your claim may be denied.
*
Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental
Collision Damage Waiver, visit www.eclaimsline.com
24
Finalizing Your claim
Your claim will typically be finalized within 15
(fifteen) days, after the Benefit Administrator
has received all the documentation needed to
substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights
and remedies against any party in regard to
this theft or damage will be transferred to the
Benefit Administrator, to the extent of the cost
of payment made to You. You must give the
Benefit Administrator all assistance as may
reasonably be required to secure all rights and
remedies.
Definitions
Account means Your credit or debit card
Accounts.
Actual Cash Value means the amount a Rent-
al Vehicle is determined to be worth based on
its market value, age and condition at the time
of loss.
Eligible Person means a cardholder who pays
for their auto rental by using their eligible
Account.
Rental Car Agreement means the entire con-
tract an eligible renter receives when renting a
Rental Vehicle from a rental car agency which
describes in full all of the terms and conditions
of the rental, as well as the responsibilities of
all parties under the contract.
25
Rental Vehicle means a land motor vehicle
with four or more wheels as described in the
participating organization’s disclosure state-
ment which the eligible renter has rented for
the period of time shown on the Rental Car
Agreement and does not have a manufac-
turer’s suggested retail price exceeding the
amount shown on the participating organiza-
tion’s disclosure statement.
You or Your means an Eligible Person who
uses their eligible card to initiate and complete
the rental car transaction.
Additional provisions for Auto Rental Collision
Damage Waiver
• S
igned or pinned transactions are covered as
long as You use Your eligible Account to secure
the transaction.
• You shall do all things reasonable to avoid or
diminish any loss covered by this benefit. This
provision will not be unreasonably applied to
avoid claims.
• If You make any claim knowing it to be false or
fraudulent in any respect, no coverage shall
exist for such claim, and Your benefit may be
cancelled. Each cardholder agrees that repre-
sentations regarding claims will be accurate and
complete. Any and all relevant provisions shall
be void in any case of fraud, intentional conceal-
ment, or misrepresentation of material fact.
• No legal action for a claim may be brought
against the Provider until sixty (60) days after
the Provider receives Proof of Loss. No legal
action against the Provider may be brought
more than two (2) years after the time for
giving Proof of Loss. Further, no legal action
may be brought against the Provider unless all
the terms of the Guide to Benefits have been
complied with fully.
26
• This benefit is provided to eligible cardholders
at no additional cost. The terms and conditions
contained in this Guide to Benefits may be
modified by subsequent endorsements. Mod-
ifications to the terms and conditions may be
provided via additional Guide to Benefits mail-
ings, statement inserts, statement messages or
electronic notification. The benefits described
in this Guide to Benefits will not apply to card-
holders whose Accounts have been suspended
or cancelled.
• Termination dates may vary by financial insti-
tutions. Your financial institution can cancel or
non-renew the benefits for cardholders, and
if they do, they will notify You at least thirty
(30) days in advance. Indemnity Insurance
Company of North America (“Provider”) is
the underwriter of these benefits and is solely
responsible for its administration and claims.
The Benefit Administrator provides services on
behalf of the Provider.
• After the Benefit Administrator has paid Your
claim, all Your rights and remedies against any
party in respect of this claim will be transferred
to the Benefit Administrator to the extent of
the payment made to You. You must give the
Benefit Administrator all assistance as may
reasonably be required to secure all rights and
remedies.
• This benefit does not apply to the extent that
trade or economic sanctions or other laws or
regulations prohibit the provision of insurance,
including, but not limited to, the payment of
claims.
For more information about the benefit de-
scribed in this guide, call the Benefit Admin-
istrator at 1-800-348-8472, or call collect
outside the U.S. at 1-804-673-1164
FORM #ARCDW – 2017 (Stand 04/17)
ARCDW-O
27
Travel and Emergency
Assistance Services
Emergencies can escalate quickly when You
are traveling away from home. Something that
is relatively straightforward when You are not
traveling, like replacing prescription medi-
cation, can be a dicult task when You are
dealing with local laws or language barriers.
Travel and Emergency Assistance Services
are made available to help You in case of an
emergency while You are traveling away from
home. The Benefit Administrator can connect
You with the appropriate local emergency and
assistance resources available, 24 hours a day,
365 days a year.
Please note that due to occasional issues
such as distance, location, or time, neither the
Benefit Administrator nor its service providers
can be responsible for the availability, use,
cost, or results of any medical, legal, transpor-
tation, or other services.
28
What are Travel and Emergency Assistance
Services and how do I use these services
when I need them?
Travel and Emergency Assistance Services are
made available to You, if You are a cardholder
of an eligible card issued in the United States.
Your spouse and children (dependents under
22 years old) are also eligible to use these
services.
Travel and Emergency Assistance Services
provide assistance and referral only. You are
responsible for the cost of any actual medical,
legal, transportation, cash advance, or other
services or goods provided.
To use the services, simply call the toll-free,
24-hour Benefit Administrator line at 1-800-
992-6029.
If You are outside the United States, call col-
lect at 1-804-673-1675.
29
What are the specific services and how can
they help me?
• Emergency Message Service – can record
and relay emergency messages for travelers or
their immediate family members. The Benefit
Administrator will use reasonable eorts to
relay emergency messages in accordance with
benefit 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 Benefit
Administrator can give You names of local En-
glish-speaking doctors, dentists, and hospitals;
assign a doctor to consult by phone with local
medical personnel, if necessary, to monitor
Your condition; keep in contact with Your fami-
ly, and provide continuing liaison; and help You
arrange medical payments from Your personal
account.
All costs are Your responsibility.
• Legal Referral Assistance – can arrange con-
tact with English-speaking attorneys and U.S.
embassies and consulates if You’re detained
by local authorities, have a car accident, or
need legal assistance. In addition, the Benefit
Administrator can coordinate bail payment
from Your personal account. The Benefit Ad-
ministrator can also follow up to make sure bail
has been properly handled. All costs are Your
responsibility.
• Emergency Transportation Assistance – can
help You make all the necessary arrangements
for emergency transportation home or to the
nearest medical facility. This includes arrang-
ing to bring Your young children home and
helping You stay in contact with family mem-
bers or employers during the emergency. In the
case of a death, the Benefit Administrator can
make arrangements to repatriate the remains.
All costs are Your responsibility.
• Emergency Ticket Replacement – helps You
30
through Your carrier’s lost ticket reimburse-
ment process and assists in the delivery of a
replacement ticket to You, should You lose Your
ticket. All costs are Your responsibility.
• Lost Luggage Locator Service – can help You
through the Common Carrier’s claim proce-
dures 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 Services – provides
telephone assistance in all major languages
and helps find local interpreters, if available,
when You need more extensive assistance. All
costs are Your responsibility.
• Prescription Assistance and Valuable Docu-
ment Delivery Arrangements – can help You fill
or replace prescriptions, subject to local laws,
and can arrange pickup and delivery of Your
prescriptions filled for You at local pharmacies.
It can also help transport critical documents
that You may have left at Your home or else-
where. All costs are Your responsibility.
• Pre-Trip Assistance – can give You information
on Your destination before You leave, such
as ATM locations, currency exchange rates,
weather reports, health precautions, necessary
immunizations, and required passport visas.
Definitions
Common Carrier means any mode of transpor-
tation by land, water or air operating for hire
under a license to carry passengers for which a
ticket must be purchased prior to travel. Does
not include taxi, limousine service, commuter
rail or commuter bus lines.
You or Your means an eligible person whose
name is embossed on an eligible U.S. issued
card, and You reside in the United States.
31
Additional Provisions for Travel and Emergen-
cy Assistance Services
This benefit is provided to eligible cardholders
at no additional cost. The terms and condi-
tions contained in this Guide to Benefits may
be modified by subsequent endorsements.
Modifications to the terms and conditions may
be provided via additional Guide to Benefits
mailings, statement inserts, statement mes-
sages or electronic notification. The benefits
described in this Guide to Benefits will not ap-
ply to cardholders whose accounts have been
suspended or cancelled.
For more information about the benefit de-
scribed in this guide, call the Benefit Admin-
istrator at 1-800-992-6029, or call collect
outside the U.S. at 1-804-673-1675.
FORM #VTEAS – 2017 (Stand 04/17)
TEAS-O
32
