JB2044 Pipeline SAP: 10 World/W Benefit UPDATE

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JB2044 Pipeline SAP: 10 World/W Benefit UPDATE
YOUR
BENEFITS.
WE THINK YOU’LL BE
IMPRESSED …
You’re about to discover that there are some
pretty impressive benefits that come with your
Capital One MasterCard.
®
®
Take our great travel-related benefits, for instance.
You’ll see that you’re well covered for all those
upcoming trips (the ones you’ll be paying for with
your Capital One MasterCard, of course!) – plus,
if you have a spouse and/or children, they’re
covered, too. You’ll also find that your card features
everyday benefits that could come in just as handy
here at home.
It’s a good idea to read through this entire booklet
so you’ll know about all of your card’s benefits.
And while we’ve done our best to cover everything
you need to know about your benefits in this
booklet, you still might have questions. If you do,
you can always reach us at 1-800-481-3239.
YOUR BENEFITS
CONTENTS
TRAVEL BENEFITS 2
• Travel Emergency Medical
• Trip Cancellation
• Trip Interruption
• Flight Delay
• Baggage Delay
• Baggage Loss
• Common Carrier Travel Accident Insurance
• Travel Assistance
• Car Rental Collision/Loss Damage Waiver
EVERYDAY BENEFITS 3
• World Elite MasterCard Concierge Services
• World MasterCard Concierge Services
• Purchase Assurance
• Extended Warranty
• Price Protection Service
MASTERCARD BENEFITS 4
• Zero Liability
• MasterCard Global Service™
CERTIFICATE OF INSURANCE 5
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YOUR BENEFITS
TRAVEL BENEFITS
Travel Emergency Medical
Provides emergency medical coverage anywhere in the world and is
automatically included whether or not you purchase travel using your
eligible Capital One card. As the primary Cardholder, you, your spouse
and your dependent children, when travelling with either parent, are
covered for trips up to 22 days, if under 65 years of age, and for trips
up to 8 days, if 65 years of age or older. The date of departure is
counted as the first day. This benefit is subject to an exclusion for
pre-existing medical conditions.
Enjoy valuable
travel benefits
virtually
everywhere
you go.
Trip Cancellation
If an illness, injury or other covered cause prevents you from starting
your trip, you’ll be covered for up to $1,000 of eligible cancellation
expenses per insured person, to a maximum of $5,000 for all insured
persons on the same trip. Trip Cancellation coverage is available to you,
your spouse and your dependent children, when travelling with either
parent, and up to two companions travelling with you and/or your
spouse when the full cost of your trip expenses are charged to your
Capital One card. Eligible expenses include the cost of unused travel
arrangements that were charged to your Capital One card.
Trip Interruption
If an illness, injury or other covered cause prevents you from continuing
your trip, you’ll be covered for up to $5,000 of eligible trip interruption
expenses, per insured person, to a maximum of $25,000 for all insured
persons on the same trip. Trip Interruption coverage is available to you,
your spouse and your dependent children, when travelling with either
parent, and up to two travelling companions when the full cost of your
trip expenses are charged to your Capital One card.
Flight Delay
You may be reimbursed for eligible reasonable living expenses incurred
during the period of a delayed flight or missed connection which lasts
four hours or more to a limit of $250 per day and $1,000 per trip for
all insured travellers. Simply charge the full cost of your tickets to your
Capital One card.
Baggage Delay
If your checked baggage is delayed for more than four hours at your
away-from-home destination, you, your spouse and your dependent
children may be eligible for reimbursement of up to $100 per day for
up to three days to purchase essential items. Simply charge the full
cost of your tickets to your Capital One card.
YOUR BENEFITS
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Baggage Loss
If your checked baggage is lost by an airline, all insured travellers can
be reimbursed up to $1,000 per trip. Simply charge the full cost of
your tickets to your Capital One card.
Common Carrier Travel Accident Insurance
Charge your fare to your Capital One credit card and you, your spouse
and dependent children are insured against accidental loss of life or
dismemberment for up to $500,000 while travelling on a common
carrier (for example, a bus, cruise ship, plane or train).
Travel Assistance
Provides 24/7 assistance for medical referrals, emergency cash transfers,
lost documents and ticket replacements, lost luggage assistance and
legal referrals when travelling outside your province of residence. Any
costs incurred in connection with these services are charged to your
Capital One card.
Car Rental Collision/Loss Damage Waiver
Charge the full cost of your car rental to your Capital One card and
decline the collision damage waiver insurance offered by the rental
agency (you could save $20-$30 per day) and you’ll be insured if your
rental car is damaged or stolen when you rent the car for a period of
up to 48 days.
Information and Claims
Toll-free: 1-866-224-0178
Outside of North America, call collect: 416-642-2303
EVERYDAY BENEFITS
World Elite MasterCard Concierge Services
(Available for World Elite MasterCard cardholders only.)
Enjoy access to comprehensive, personalized assistance 365 days
a year. Let the World Elite MasterCard Concierge become your single
source for all your needs, including special access and privileges,
whether you are at home or away. A highly trained and experienced
team is always at your fingertips, ready to save you time and make
things easier for you. Whether it’s securing dinner reservations, tickets
to events, coordinating business arrangements, locating hard-to-find
items or booking travel, the World Elite MasterCard Concierge can help
bring you the very best whenever you need it. Any costs incurred in
connection with these services will be charged to your Capital One® card.
Information and Claims for
World Elite MasterCard Concierge Services
Toll-free: 1-800-481-3239
Outside of North America, call collect: 1-804-934-2010
Extra
protection
on the items
you buy, at
no extra cost.
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YOUR BENEFITS
Concierge Services
(Available for World MasterCard cardholders only.)
One-call assistance for travel arrangements (flight, hotel, car rental),
entertainment (restaurants, golf, sports, theatre, attractions, tours),
business (translation, equipment facilities) and shopping (floral or gift
baskets, gift research and purchase and occasion reminder). Any costs
incurred in connection with these services will be charged to your
Capital One card.
Purchase Assurance
Most personal items purchased are automatically insured against theft,
loss or damage anywhere in the world for 120 days from the date of
purchase when the full cost of the item is charged to your Capital One
card. Covered items will be replaced or repaired or the purchase price
will be reimbursed at the insurance company’s discretion.
Essential help
and support
when you
really need it.
Extended Warranty
When you use your Capital One card to purchase most personal items
(and the full cost of the item is charged to your card), Extended
Warranty coverage automatically doubles the original manufacturer’s
warranty for up to two years.
Price Protection Service
When you use your Capital One card to buy a new item in Canada
that is offered for sale at a lower price within 60 days of purchase,
Price Protection Service pays you the difference up to $100 per
item and $500 per calendar year.
Information and Claims for all other Everyday Benefits
Toll-free: 1-866-224-0178
Outside of North America, call collect: 416-642-2303
MASTERCARD BENEFITS
®
Zero Liability
If you’re worried about unauthorized charges being made to your
account, relax. As a Capital One Cardholder, you’re protected. We
provide Zero Liability for unauthorized use of your card. That means
you won’t pay for any unauthorized purchases on your card. We also
monitor your account regularly for fraudulent activity.
MasterCard Global Service™
Provides emergency card replacement, emergency cash advance,
24/7 telephone access and referral to the closest ABM.
Information and Claims
Toll-free: 1-800-481-3239
Outside of North America, call collect: 1-804-934-2010
YOUR BENEFITS
CERTIFICATE
OF INSURANCE
Amended and Restated
Effective Date: September 1, 2014
This Certificate of Insurance contains
information about your Coverage.
Please read it carefully and keep it in
a safe place. Refer to the Definitions
section or to the applicable
description of benefits for the
meanings of all capitalized terms.
Trip Cancellation, Trip Interruption/
Delay, Flight Delay, Lost Baggage,
Purchase Assurance, Extended
Warranty, Car Rental Collision/Loss
Damage Waiver and Baggage Delay
Insurance are insurance coverages
underwritten by American Bankers
Insurance Company of Florida,
Travel Emergency Medical
Insurance (except for travel in
Cuba) and Common Carrier Travel
Accident Insurance are insurance
coverages underwritten by
American Bankers Life Assurance
Company of Florida, and Travel
Emergency Medical Insurance for
travel in Cuba is insurance
coverage underwritten by Zurich
Insurance Company Ltd
(hereinafter collectively referred
to as “Insurer”) under Group
Policy numbers COB062010 and
8697199 (hereinafter collectively
referred to as the “Policy”) issued
by the Insurer to Capital One Bank
(Canada Branch) (hereinafter called
the “Policyholder”). Price Protection
Service is a service provided by
American Bankers Insurance
Company of Florida and included
in the Policy. The above insurance
coverages and service are
hereinafter collectively referred
to as the “Coverage”.
The terms, conditions and provisions
of the Policy are summarized in the
Certificate of Insurance, which is
incorporated into and forms part
of the Policy. All benefits are
subject in every respect to the
Policy, which alone constitutes the
agreement under which benefits
will be provided. You, or a person
making a claim under the
Certificate of Insurance, may
request a copy of the Policy and/or
a copy of your application for this
Coverage (if applicable) by writing
to the Insurer at the address shown
below.
In no event will a corporation,
partnership or business entity be
eligible for the Coverage provided
by the Certificate of Insurance.
American Bankers Life Assurance
Company of Florida and American
Bankers Insurance Company of
Florida – Canadian head office is
located at 5000 Yonge Street, Suite
2000, Toronto, Ontario, M2N 7E9.
Zurich Insurance Company Ltd’s
Canadian head office is located at
100 King Street West, Suite 5500,
Toronto, Ontario, M5X 1C9.
Claim payments and administrative
services under this Policy are
arranged by the Insurer.
Read this
certificate to
learn exactly
what you’re
covered for.
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YOUR BENEFITS
DEFINITIONS
Accident means a sudden,
unexpected and unforeseeable
cause of injury from an
external source.
Accidental Bodily Injury means
bodily injury caused directly by
an Accident occurring while the
insurance evidenced by this
Certificate of Insurance is in force,
which results, within 365 days
after the date of the Accident,
directly in any of the losses to
which the insurance applies, and
is sudden, unforeseen, unexpected
and independent of any disease,
bodily infirmity, bodily malfunction
or any other cause.
Account means the Primary
Cardholder’s Capital One World
Elite MasterCard Account or a
Capital One World MasterCard
Account which is in Good Standing
with the Policyholder.
Administrator means the service
provider arranged by the Insurer
to provide claims payment and
administrative services under
the Policy.
Capital One MasterCard
means a Capital One World Elite
MasterCard Account or a
Capital One World MasterCard.
Car Sharing means a car rental
club that provides its members with
24-hour access to a fleet of cars
parked in a convenient location.
Cardholder means the Primary
Cardholder and any supplemental
Cardholder, who is a natural Person,
resident in Canada and who is also
issued a Capital One MasterCard, as
defined herein, and whose name is
embossed on the card.
Cardholder may also be referred
to herein using “You” and “Your.”
Common Carrier means any
land, air or water conveyance
operated, which is licensed to carry
passengers without discrimination
and for hire, excluding courtesy
transportation provided without
a specific charge.
Dependent Child means Your
unmarried natural, adopted or
step-children who are dependent
on You for maintenance and
support and who are either under
21 years of age, or under 25 years
of age and in full-time attendance
at a recognized institution of higher
learning in Canada. Dependent
Child(ren) also includes children
21 years of age or over who are
permanently mentally or physically
challenged and incapable of
self-support.
Dollars and “$” means
Canadian dollars.
Eligible Expenses mean charges
for any of the following travel
arrangements which have been
booked or reserved prior to Trip
departure and for which all costs
have been charged to Your
Account and/or paid for with
Capital One reward miles:
YOUR BENEFITS
(i)cost of transportation
by a Common Carrier;
(ii)cost of hotel or similar
accommodations; and
(iii)cost of a package tour which
has been sold as a unit and
includes at least two of
the following:
• Transportation by
a Common Carrier;
• Car rental;
• Hotel or similar
accommodation;
• Meals;
• T ickets or passes for
sporting events or other
entertainment, exhibition
or comparable event; or
• Lessons or the services
of a guide.
Emergency Medical Treatment
refers to treatment necessary
for the immediate relief of a
Medical Emergency.
Essential Items mean the
minimum essential clothing and
toiletries, the purchase of which
is rendered absolutely necessary
and indispensable due to the
delay of an Insured Person’s
checked luggage.
GHIP means the government health
insurance plan of an Insured Person’s
province or territory of residence
in Canada.
Good Standing means, with
respect to an Account, that the
primary Cardholder has not advised
the Policyholder in writing to close
it, it is in compliance with all terms
of the Cardholder Agreement and
the Policyholder has not suspended
or revoked credit privileges or
otherwise closed the Account.
Hospital means an institution
which is licensed to provide, on
an inpatient basis, medical care
and treatment of sick and injured
persons through medical,
diagnostic and major surgical
facilities, under the supervision
of a staff of Physicians and with
24-hour-a-day service. Hospital
does not include any institution
or part of an institution which is
licensed or used principally as a
clinic, a continued care or extended
care facility, a convalescent home,
a rest home, a nursing home or
home for the aged, a health spa
or a treatment centre for drug
addiction or alcoholism.
Hospitalization means a stay
of at least 48 hours in a Hospital
for Emergency Medical Treatment,
which cannot be postponed.
Immediate Family Member
means an Insured Person’s Spouse,
daughter or son, whether natural,
adopted or stepchild, grandchild,
mother, father, stepparent, sister,
stepsister, brother, stepbrother,
parent-in-law, daughter-in-law,
son-in-law, sister-in-law and
brother-in-law.
Insured Person means a
Cardholder and, where specified,
his or her Spouse and each
Dependent Child and certain other
eligible persons as outlined under
the applicable coverage.
Key Employee means an
employee whose continued
presence at the Insured Person’s
place of business is critical to the
ongoing affairs of the Insured
Person’s business during Your Trip.
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YOUR BENEFITS
Legal Business Partner means
a person who participates with
the Insured Person in the daily
management of a shared business
and who shares the financial risk
of the operation.
Medical Condition means any
illness, injury or symptom, whether
diagnosed or not.
Medical Emergency means any
unforeseen illness or Accidental
Bodily Injury which occurs during
a Trip and requires immediate
medical care or treatment from
a Physician. A Medical Emergency
ends when the illness or Accidental
Bodily Injury has been treated such
that the Insured Person’s condition
has stabilized. Treatment provided,
when medical evidence indicates
that an Insured Person could delay
treatment or return to Canada
for such treatment, is not
considered a Medical Emergency
and is not covered.
Mysterious Disappearance
means an article of personal
property cannot be located and the
circumstances of its disappearance
cannot be explained or do not lend
themselves to a reasonable
inference that a theft occurred.
Occupying means in or upon
or entering into or alighting from.
Original Manufacturer’s
Warranty means an express
written warranty valid in Canada
and issued by the original
manufacturer of personal property,
excluding any extended warranty
offered by the manufacturer or
any third party.
Physician means a Physician
or surgeon who is registered or
licensed to practice medicine in
the jurisdiction where the medical
treatment or service is provided,
and who is not related by blood
or marriage to the Insured Person
to whom the service is rendered.
Pre-existing Condition means
any Medical Condition for which
symptoms appeared or for which
an Insured Person, or an Insured
Person’s Immediate Family Member
or Travelling Companion, sought
the attention of a Physician, had
investigated, diagnosed, treated,
had treatment or further
investigation recommended or for
which medication was prescribed
or altered in the 180 days prior
to (for Insured Persons age 74 and
under) or 365 days prior to (for
Insured Persons age 75 and over):
(i)the date the Trip was booked, for
Trip Cancellation Benefits; and
(ii)the Trip departure date, for Trip
Interruption and Travel
Emergency Medical Insurance.
For Travel Emergency Medical
Insurance, a Pre-existing Condition
does not include a Medical
Condition which is controlled by
the consistent use of medications
prescribed by a Physician, provided
that, during the 180-day period
or 365-day period, as applicable,
before the Insured Person’s
departure, there has been no
other treatment or investigation
recommended and there has been
no change in medication. A new
medication or increase/decrease
in dosage constitutes a change.
YOUR BENEFITS
Primary Cardholder means
the principal applicant for an
Account who is a natural person,
resident in Canada and is issued
a Capital One® MasterCard,® as
defined herein, by the Policyholder.
Reasonable and Customary
Charges means charges which
do not exceed the general level of
charges made by other providers
of similar standing in the locality
or geographical area where the
charges are incurred, when
furnishing comparable treatment,
services or supplies for a similar
Medical Emergency.
Rescheduling Expenses means
additional charges associated
with Eligible Expenses, including
administrative and change fees,
which result from rescheduling
a Trip prior to departure, and
which have been charged to
Your Account and/or paid for
with Capital One reward miles.
Spouse means the Cardholder’s
legal husband or wife, or the person
with whom the Cardholder has
lived and publicly represented as
his or her Spouse for at least one
continuous year.
Ticket means evidence of fare
paid for travel on a Common Carrier,
which has been charged in full to
the Account and/or paid for with
Capital One reward miles.
Travelling Companion means a
person booked to travel with You
and/or Your Spouse on a Trip, and
who has prepaid accommodations
and/or transportation arrangements
for the same Trip.
Trip means a scheduled period
of time during which an Insured
Person is away from his or her
province or territory of residence
in Canada. For Travel Emergency
Medical Insurance, an eligible
Trip is further limited in duration,
as specified under Travel
Emergency Medical Insurance.
Travel Emergency Medical
Insurance
Trips up to 22 days for Insured
Persons under age 65.
Trips up to 8 days for Insured
Persons age 65 or older.
This coverage is underwritten by
American Bankers Life Assurance
Company of Florida, except for
travel in Cuba, which is underwritten
by Zurich Insurance Company Ltd.
For this benefit, Insured Person
means the Primary Cardholder,
his or her Spouse and his or her
Dependent Child(ren) who are
booked to travel on a Trip with
the Primary Cardholder and/or his
or her Spouse. All Insured Persons
must be permanent residents of
Canada and insured by their
provincial or territorial GHIP.
Coverage Period
For Insured Persons under age
65 (on the Trip departure date)
For the Travel Emergency Medical
benefit, only the first 22
consecutive days of a Trip, as
determined by the originally
scheduled departure and return
dates, will be covered. There is
no coverage for that portion
of a Trip which extends beyond
the first 22 consecutive days.
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YOUR BENEFITS
In the event of a claim, proof
of scheduled Trip duration will
be required.
Coverage begins at 12:01 a.m.
on the date the Insured Person
leaves his or her province or
territory of residence on a Trip.
Coverage will terminate on the
earliest of the following:
(i)the date the Insured Person
returns to his or her province
or territory of residence
in Canada;
(ii)the date the Account is
cancelled, closed or is no
longer in Good Standing;
(iii)the date the Insured Person
has been absent for more than
22 consecutive days (including
the day of departure and day
of return) from his or her
province or territory of
residence in Canada; or
(iv)the date the Insured Person
ceases to be eligible for
coverage. (For Dependent
Children, see the Definitions
section for age limits.)
For Insured Persons
age 65 or older (on the
Trip departure date)
For the Travel Emergency Medical
benefit, only the first 8 consecutive
days of a Trip, as determined by the
originally scheduled departure and
return dates, will be covered.
There is no coverage for that
portion of a Trip which extends
beyond the first 8 consecutive
days. In the event of a claim,
proof of scheduled Trip duration
will be required.
Coverage begins at 12:01 a.m.
on the date the Insured Person
leaves his or her province or
territory of residence on a Trip.
Coverage will terminate on the
earliest of the following:
(i)the date the Insured Person
returns to his or her province
or territory of residence
in Canada;
(ii)the date the Account is
cancelled, closed or is no
longer in Good Standing;
(iii)the date the Insured Person
has been absent for more than
8 consecutive days (including
the day of departure and
day of return) from his
or her province or territory
of residence in Canada; or
(iv)the date the Insured
Person ceases to be eligible
for coverage.
Automatic Extension
of Coverage
Coverage will be automatically
extended beyond the 22-day limit
for Insured Persons under age
65 and 8-day limit for Insured
Person’s age 65 or older, for up
to 3 days following the end of
a Medical Emergency.
In addition, Travel Emergency
Medical Insurance coverage will
be automatically extended beyond
the 22-day limit for Insured Persons
under age 65 and 8-day limit for
Insured Person’s age 65 and older,
for up to 3 days if an Insured
Person’s return to his or her
province or territory of residence
in Canada is delayed solely as the
result of:
YOUR BENEFITS
(i)the delayed departure of a
Common Carrier on which
he or she is booked; or
(ii)a delayed return as a result of
an accident or the mechanical
breakdown of an Insured
Person’s personal vehicle.
Benefits
In the event of a Medical Emergency,
the Reasonable and Customary
Charges for Emergency Medical
Treatment will be paid by the
Insurer, less any amount payable
by or reimbursable under a GHIP,
any group or individual health
plans, insurance policies or
reimbursement programs.
Benefits are limited to $2,000,000
for each Insured Person, subject
to the Limitations and Exclusions.
The following expenses are eligible
for reimbursement:
(i)
Hospital Accommodation
and Medical Expenses
including room and board
up to semi-private or the
equivalent, treatment in an
intensive or coronary care unit,
medical supplies, use of an
operating room, anaesthesia,
surgical dressings. Excludes
costs of a private room or suite,
unless one is medically required.
(ii)
Physician Charges for
Emergency Medical Treatment.
(iii)Private Duty Nursing covers
up to $5,000 for services
performed by a registered
nurse (not related to the
Insured Person by blood or
marriage) when medically
necessary and prescribed
by a Physician. This includes
medically necessary
nursing supplies.
(iv)
Diagnostic Services,
including laboratory tests,
x-rays when prescribed by a
Physician. NOTE: magnetic
resonance imaging (MRI),
computerized axial
tomography (CAT scans),
sonograms and ultrasound
must be authorized in advance
by the Administrator.
(v)
Ambulance Service to
the nearest Hospital equipped
to provide the required
Emergency Medical Treatment.
(vi)
Emergency Air Transport
to the nearest Hospital, or
repatriation to a Hospital in the
Insured Person’s province or
territory of residence in Canada
(when approved and arranged
by the Administrator) because
the Insured Person’s condition
precludes the use of other
means of transportation.
(vii)Prescription Drugs required
as a part of Emergency Medical
Treatment, excluding any drugs
or medications which are
commonly available without
prescription, or which are not
legally registered and approved
in Canada or the United States.
(viii)Accidental Dental care to a
maximum of $2,000 per
Insured Person for Emergency
Medical Treatment of natural
or permanently installed teeth
during a Trip as the result of an
accidental injury to the mouth.
Treatment for emergency relief
of dental pain is covered to a
maximum of $150.
(ix)
Medical Appliances
including slings, braces, splints,
and local rental of crutches,
walkers and wheelchairs.
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YOUR BENEFITS
There is no benefit for the purchase
of either walkers or wheelchairs.
(x)
Return Airfare to cover any
additional cost incurred for
a one-way economy airfare in
a Medical Emergency (less any
refunds due on original tickets)
and, if required, the charge for
transportation of a stretcher
and attending medical personnel
to return the Insured Person to
his or her province or territory
of residence in Canada if further
medical treatment is warranted
and when approved and
arranged by the Administrator.
(xi)
Transportation to Bedside
from Canada for one of the
Insured Person’s Immediate
Family Members when the
Insured Person is hospitalized
and expected to remain so for
3 days or more. This benefit
must be pre-approved by the
Administrator. This benefit
includes one round-trip
economy airfare, food and
accommodation expenses of
$100 per day, to a maximum
of $1,500 and no charge for
travel medical insurance
coverage for the person
required at bedside for the
duration of the Medical
Emergency.
(xii)Vehicle Return is covered
to a maximum of $1,000 to
return an Insured Person’s
vehicle to his or her place of
residence in Canada, or in the
case of a rented vehicle, to
the nearest appropriate rental
location, when the Insured
Person is unable to return
the vehicle as a result of a
Medical Emergency and when
approved and arranged by
the Administrator.
(xiii)Return of Deceased when
death results from a Medical
Emergency, to a maximum of
$5,000 for the cost of
preparation (including
cremation) and transport of
the Insured Person (excluding
the cost of a burial coffin or
urn) to his or her province
or territory of residence
in Canada.
Limitations and Exclusions
Further, no benefits are payable
for any expenses incurred directly
or indirectly as a result of:
(i)any Pre-existing Condition
as defined;
(ii)any Medical Emergency that
occurs other than during a
covered Trip;
(iii)any experimental, elective
or non-emergency surgery,
treatment, or medication
including ongoing care of
a chronic condition;
(iv)any Medical Emergency that
occurs during a Trip where
the primary purpose of the
Trip was to work outside
of Canada;
(v)any portion of benefits that
require prior authorization
and arrangement by the
Administrator if such benefits
were not pre-authorized and
arranged by the Administrator;
(vi)pregnancy, childbirth and/or
related complications occurring
within 9 weeks of the expected
delivery date;
(vii)neo-natal care;
YOUR BENEFITS
(viii)participation in a criminal
offence;
(ix)intentionally inflicted injuries,
suicide or any attempt thereat;
(x)expenses incurred directly
or indirectly as a result of
the Insured Person’s abuse
of medications, drugs, alcohol
or other toxic substances;
(xi)acts of terrorism, insurrection
or war whether declared
or undeclared;
(xii)voluntary participation in
a riot or civil commotion;
(xiii)mental or emotional disorders;
(xiv)treatments that are not
prescribed by a Physician; or
(xv)participation in professional
sports or any organized racing
or speed contests, recreational
scuba diving (unless the Insured
Person holds a basic scuba
designation from a certified
school or licensing body),
mountaineering, bungee
jumping, parachuting,
hang-gliding, skydiving,
or other dangerous sports
or activities.
Failure to notify the Administrator
immediately following a Medical
Emergency, or as soon as possible
under the circumstances, will limit
the benefits payable under this
Certificate as follows:
(i)no benefits will be payable for
surgery or invasive procedures
(such as cardiac catheterization)
without prior approval by the
Administrator, except in
extreme circumstances where
a request for prior approval
would delay surgery needed
in a life-threatening Medical
Emergency; and
(ii)eligible expenses for which
benefits would otherwise have
been provided will be limited to
80% of the total, to a maximum
of $30,000.
In consultation with the attending
Physician, the Administrator
reserves the right to transfer the
Insured Person to an appropriate
Network facility or to his or her
province or territory of residence
in Canada for Emergency Medical
Treatment. Refusal to comply will
absolve the Insurer of any liability
for expenses incurred after the
proposed transfer date.
Once a Medical Emergency ends,
no further benefits are payable in
respect of that Medical Emergency
or for any recurrence of the condition
which caused the Medical Emergency.
Medical Emergency Procedures
When a Medical Emergency
occurs, You must contact the
Administrator without delay.
Call 1-866-224-0178 from
Canada and the United States or
416-642-2303 locally or collect
from elsewhere in the world.
If calling from somewhere in the
world where a collect call is not
possible, call direct and You will
be reimbursed.
The Administrator will confirm
coverage, provide directions to
the Network facility or the nearest
appropriate medical facility, provide
the necessary authorization of
payment of eligible expenses and
manage the Medical Emergency.
The Administrator will make every
effort to pay or authorize payment
of eligible expenses to Hospitals,
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YOUR BENEFITS
Physicians and other medical
providers directly. If direct payment
or payment authorization is not
possible, an Insured Person may be
required to make payments. In that
event, the Insured Person will be
reimbursed for eligible expenses
on submission of a valid claim.
Note: Benefits may be excluded
or reduced where the Administrator
has not been contacted in advance
of treatment, as noted above.
How to Claim
Claim forms can be obtained
by calling the Administrator at
1-866-224-0178 from Canada
and the United States or
416-642-2303 locally.
If the Administrator authorized
Hospital or other medical payments
on an Insured Person’s behalf, You
must sign an authorization form
allowing the Administrator to
recover payments from GHIP, other
health plans or insurers and return
it to the Administrator within 30
days. If an advance has been made
for ineligible expenses, You will be
required to reimburse the
Administrator. If eligible expenses
are incurred for which payment
has not been pre-authorized by
the Administrator, they should
be submitted to the Administrator
with original receipts and
payment statements.
You will be required to submit a
completed claim form and provide
documentation to substantiate the
claim, including the following:
(i)the cause and nature of
the Medical Condition
requiring treatment;
(ii)original, itemized medical
invoices;
(iii) original prescription receipts;
(iv)the Insured Person’s date
of birth (proof of age may
be required);
(v)a photocopy of the Insured
Person’s GHIP (Health) card;
(vi)name, address and phone
number of employer;
(vii)proof of Your departure
and/or return date (i.e., copy
of tickets/receipts/prepaid
accommodation invoice/gas
receipts);
(viii)name, address and policy
numbers for all other insurance
coverage the Insured Person
may have, including group and
individual insurance, credit
card coverage and any other
reimbursement plans; and
(ix)signed authorization to
obtain any further
required information.
Claims submitted with incomplete
or insufficient documentation may
not be paid.
TRIP CANCELLATION/TRIP
INTERRUPTION INSURANCE
Coverage is underwritten by
American Bankers Insurance
Company of Florida.
Eligibility
For this benefit, Insured Person
means the Cardholder, his or
her Spouse and each Dependent
YOUR BENEFITS
Child booked to travel on a Trip
with You and/or Your Spouse
if the full cost of Eligible Expenses
for the Trip has been charged to
the Account and/or paid for with
Capital One reward miles. Insured
Person also means up to 2
Travelling Companions booked
to travel on a Trip with You and/or
Your Spouse if the full cost of his
or her Eligible Expenses for the Trip
has been charged to the Account
and/or paid for with Capital One
reward miles.
No coverage will be provided if any
portion of the Trip is paid for with
travel reward or frequent flyer plan
miles/points other than Capital One
reward miles.
TRIP CANCELLATION
INSURANCE (PRIOR
TO DEPARTURE)
Benefits
You will be reimbursed for any
Eligible Expenses which are not
refundable or reimbursable
in any manner if, prior to the
scheduled departure, an Insured
Person is required to cancel a
Trip due to one of the following
Covered Causes for Cancellation.
The maximum amount payable
is $1,000 per Insured Person and
$5,000 per Trip and will be
limited to the cancellation penalties
in effect on the date the Covered
Cause for Cancellation arises.
It is therefore important that
You cancel travel arrangements
with the travel supplier as
soon as a Covered Cause
for Cancellation arises.
You must also advise the
Administrator immediately.
You will be reimbursed for any
Rescheduling Expenses which are
not refundable or reimbursable
in any manner if, prior to Your
scheduled departure, an Insured
Person chooses to reschedule a
Trip due to one of the following
covered Causes for Cancellation.
The amount payable is the lesser of
the Rescheduling Expenses and the
amount that would have been paid
under this Certificate if the Trip had
been cancelled outright. Your
rescheduled trip will be considered
a new Trip under this Certificate
and the Preexisting Condition period
will be measured from the date
the new Trip was booked.
Please note: This coverage will
only cover any excess cost (i.e., the
administration charges to cancel
or change the itinerary) over and
above the travel rewards provided
by any reward or frequent flyer
plan. This plan does not cover
the value of the loss of reward
or frequent flyer plan points.
Covered Causes for
Cancellation (first occurring
after the Trip was booked)
mean the following:
Medical Covered Causes
for Cancellation
(i)death of an Insured Person or
an Insured Person’s Immediate
Family Member or Travelling
Companion occurring within
31 days prior to the scheduled
Trip departure date;
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YOUR BENEFITS
(ii)Accidental Bodily Injury
or sudden and unexpected
sickness, which did not result
from a Pre-existing Condition,
of an Insured Person or an
Insured Person’s Travelling
Companion which caused the
Insured Person to be unable to
start the Trip. A Physician must
substantiate in writing that
prior to the scheduled
departure date, he or she
advised the Insured Person
to cancel the Trip or that the
Medical Condition or
Accidental Bodily Injury made
it impossible for the Insured
Person to start the Trip;
(iii)Hospitalization of an Insured
Person’s Immediate Family
Member, which did not result
from a Pre-existing Condition,
occurring after the Trip was
booked and within 31 days
prior to the Trip departure date;
(iv)Hospitalization or the death
of an Insured Person’s Legal
Business Partner or Key
Employee; and
(v)Hospitalization or the death
of an Insured Person’s host
at destination.
Non-medical Covered Causes
for Cancellation
(i)an enforceable call of an
Insured Person to jury duty
or sudden and unexpected
subpoena of an Insured Person
to act as a witness in a court
of law requiring the Insured
Person’s presence in court
during the Trip, except where
the Insured Person is a law
enforcement officer;
(ii)a written formal notice issued
by the Department of Foreign
Affairs and International Trade
of the Canadian government,
advising Canadians not to travel
to a country, region or city for
which a Ticket had originally
been issued for a period that
includes an Insured Person’s Trip;
(iii)an employment transfer of the
Insured Person by the employer
with whom he or she is
employed on the date the
Trip was booked, which
requires the relocation of
the Insured Person’s principal
residence within 30 days
before the scheduled Trip
departure from the Insured
Person’s usual place of
residence;
(iv)a natural disaster that renders
an Insured Person’s principal
residence uninhabitable;
(v)an Insured Person’s quarantine
or hijacking;
(vi)a call to service of an Insured
Person by government with
respect to reservists, military,
police or fire personnel; and
(vii)a delay causing an Insured
Person to miss a connection
for a Common Carrier or
resulting in the interruption
of an Insured Person’s travel
arrangements including
the following:
• A delay of an Insured
Person’s Common
Carrier, resulting from
the mechanical failure
of that carrier;
YOUR BENEFITS
• A traffic accident or an
emergency police-directed road
closure (either must
be substantiated by a
police report); or
•W
eather conditions.
The outright cancellation of a
flight is not considered as a delay.
The benefit under this Covered
Cause of Cancellation is the Insured
Person’s one-way economy fare via
the most cost-effective route to the
Insured Person’s next destination.
Limitations and Exclusions
Benefits are not payable for the
cancellation of any Trip resulting
directly or indirectly from:
(i)any reason other than those
listed under Covered Causes
for Cancellation;
(ii) a Pre-existing Condition;
(iii)pregnancy, childbirth and/or
related complications occurring
within 9 weeks of the expected
delivery date;
(iv)intentionally self-inflicted
injuries, suicide or any
attempt thereat;
(v)illness or accidental injury
sustained while under the
influence of drugs, medication,
alcohol or other intoxicants;
(vi)participation in a criminal
offence;
(vii)acts of terrorism, insurrection
or war, whether declared
or undeclared;
(viii)voluntary participation
in a riot or civil commotion;
(ix)mental or emotional
disorders; or
(x)participation in professional
sports, speed contests,
dangerous sports or events.
How to Claim
When a claim occurs due to a
Covered Cause for Cancellation,You
must cancel the Trip and notify the
Administrator at 1-866-224-0178
from Canada and the United States
or 416-642-2303 locally or collect
from elsewhere in the world within
48 hours of the time the Covered
Cause for Cancellation arose.
TRIP INTERRUPTION/
TRIP DELAY INSURANCE
(POST DEPARTURE)
Benefits
You will be reimbursed the lesser
of the additional charges paid by
You for a change in ticketing, or
the cost of a one-way economy
fare to return to point of departure,
plus the unused portion of any
other Eligible Expenses which
are not refundable in any other
manner if, as a result of one of
the following Covered Causes for
Interruption or Delay occurring
during the Trip, an Insured Person
is prevented from continuing
a Trip or returning on his or her
scheduled return date. The
maximum amount payable
excludes the cost of pre-paid
unused return transportation,
and is subject to a maximum
limit of $5,000 per Insured
Person and $25,000 per Trip.
Please note: This coverage will
only cover any excess cost (i.e.,
the administration charges to
cancel or change the itinerary)
over and above the travel rewards
provided by any reward or frequent
flyer plan. This plan does not cover
the value of the loss of reward
or frequent flyer plan points.
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YOUR BENEFITS
Covered Causes for
Interruption mean the
following:
Medical Covered Causes
for Interruption/Delay
(i)death of an Insured Person or
an Insured Person’s Immediate
Family Member, or Travelling
Companion, during the Trip;
(ii)Accidental Bodily Injury or
sudden and unexpected
sickness of an Insured Person
or an Insured Person’s Travelling
Companion which did not
result from a Pre-existing
Condition, which, in the sole
opinion of the Administrator,
based on medical advice
provided by the attending
Physician, requires immediate
medical attention and prevents
an Insured Person from
returning from the Trip on
the scheduled return date;
(iii)Accidental Bodily Injury
or sudden and unexpected
sickness requiring
Hospitalization of an Insured
Person’s Immediate Family
Member during the Trip,
which did not result from
a Pre-existing Condition and
which requires immediate
Hospitalization and which
was not known to the Insured
Person prior to departure;
(iv)Hospitalization or the death
of an Insured Person’s Legal
Business Partner or Key
Employee; and
(v)Hospitalization or the death
of an Insured Person’s host
at destination.
Non-Medical Covered Causes
for Interruption/Delay
(i)a written formal notice issued
by the Department of Foreign
Affairs and International Trade
of the Canadian government
during the Trip, advising
Canadians not to travel to
a country, region or city for
which a ticket has been issued
for a period that includes an
Insured Person’s Trip;
(ii)a natural disaster that renders
an Insured Person’s principal
residence uninhabitable;
(iii)an Insured Person’s quarantine
or hijacking;
(iv)a call to service of an Insured
Person by government with
respect to reservists, military,
police or fire personnel; and
(v)a delay causing an Insured
Person to miss a connection
for a Common Carrier or
resulting in the interruption
of an Insured Person’s travel
arrangements including
the following:
• A delay of an Insured
Person’s Common Carrier,
resulting from the
mechanical failure
of that carrier;
• A traffic accident or an
emergency police-directed
road closure (either must
be substantiated by a
police report); or
• Weather conditions.
The outright cancellation of a
flight is not considered as a delay.
The benefit under this Covered
Cause for Interruption is the
YOUR BENEFITS
Insured Person’s one-way economy
air fare via the most cost-effective
route to the Insured Person’s next
destination (inbound and outbound).
FLIGHT DELAY INSURANCE
Limitations and Exclusions
Benefits are not payable for the
interruption or delay of any Trip
resulting directly or indirectly from:
For this benefit, Insured Person
means the Cardholder, his or her
Spouse and Dependent Child(ren)
while travelling with the Cardholder
or Spouse.
(i)any reason other than those
listed under Covered Causes
for Interruption/Delay;
(ii) a Pre-existing Condition;
(iii)pregnancy, childbirth and/or
related complications occurring
within 9 weeks of the expected
delivery date;
(iv)intentionally self-inflicted
injuries, suicide or any
attempt thereat;
(v)illness or accidental injury
sustained while under the
influence of drugs, medication,
alcohol or other intoxicants;
(vi)participation in a criminal
offence;
(vii)acts of terrorism, insurrection
or war, whether declared
or undeclared;
(viii)voluntary participation in
a riot or civil commotion;
(ix)mental or emotional
disorders; or
(x)participation in professional
sports, speed contests,
dangerous sports or events.
How to Claim
When a claim occurs due to a
Covered Cause for Interruption/
Delay, You must notify the
Administrator at 1-866-224-0178
from Canada and the United States
or 416-642-2303 locally or collect
from elsewhere in the world. They
will assist You in making the
necessary arrangements to return.
Coverage is underwritten
by American Bankers Insurance
Company of Florida.
Benefits
The Insurer will reimburse the
Cardholder for all Insured Persons
travelling on the same Trip if the
confirmed scheduled flight
departure from any airport is
delayed by 4 hours or more, for
necessary and reasonable expenses
incurred with respect to hotel
accommodations, restaurant
meals, refreshments, Essential
Items and sundry items (such as
a magazine, paperback book and
other such small items) within
48 hours of the delay or denied
boarding, to a maximum of $250
per day for all Insured Persons on
the same Trip, and a maximum of
$1,000 total per Trip, provided that:
(i)the full cost of the delayed
flight was charged to the
Account and/or paid for with
Capital One reward miles;
(ii)no alternative transportation
is made available to the Insured
Person within 4 hours of the
scheduled departure time of
the original flight;
(iii)delay of the flight was the
result of strike by airline
personnel, quarantine, civil
commotion, hijack, natural
disaster, inclement weather,
mechanical breakdown or
denied boarding due to
overbooking; and
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YOUR BENEFITS
(iv)the Cardholder provides the
required proof of loss to the
Insurer, including plane
Ticket(s), or the sales receipt
for the plane Ticket(s),
a written statement from the
airline confirming and detailing
the delay and itemized original
receipts with respect to the
necessary and reasonable
expenses incurred for hotel
accommodations, restaurant
meals, refreshments, Essential
Items and other sundry items.
This coverage is in excess of all
other applicable valid insurance,
indemnity, reimbursement or
protection available to You in
respect of the claim. The Insurer
will be liable only for the amount
of loss or damage over the
amount covered under such other
insurance, indemnity, reimbursement
or protection and for the amount
of any applicable deductible, only
if all such other coverage has been
claimed under and exhausted and
subject to the terms, exclusions
and limits of liability set out in this
Certificate of Insurance. This
coverage will not apply as
contributing insurance,
notwithstanding any provision
in any other insurance, indemnity
or protection policies or contracts.
No coverage will be provided if any
portion of the cost of the delayed
flight is paid for with travel reward
or frequent flyer plan miles/points
other than Capital One reward miles.
Limitations and Exclusions
The Insurer does not cover loss
caused by or resulting from:
(i)criminal or fraudulent acts
of the Insured Person;
(ii)war, whether declared
or undeclared, civil war,
insurrection, rebellion or
revolution; or
(iii)any warlike act by any
government or military force.
How to Claim
In the event of a claim, contact the
Administrator at 1-866-224-0178
from Canada and the United States
or 416-642-2303 locally or collect
from elsewhere in the world.
LOST BAGGAGE INSURANCE
Coverage is underwritten
by American Bankers Insurance
Company of Florida.
For this benefit, Insured Person
means the Cardholder, his or
her Spouse and Dependent
Child(ren) while travelling with
the Cardholder or Spouse.
Benefits
In the event that the Common
Carrier irretrievably loses an Insured
Person’s checked baggage, the
Insurer will reimburse the Cardholder
up to a maximum of $1,000 per
Trip for all Insured Persons on the
same Trip for direct physical loss
of baggage, and the personal
property contained therein, when
an Insured Person’s baggage is
checked with a Common Carrier,
provided that the full cost of the
Ticket was charged to the Account
and/or paid for with Capital One
reward miles. Payment is based on
the actual replacement cost of any
YOUR BENEFITS
lost or stolen article provided the
article is actually replaced. Otherwise,
payment is based on the actual cash
value of the article at the time of loss.
No coverage will be provided if any
portion of the Ticket is paid for
with travel reward or frequent flyer
plan miles/points other than
Capital One reward miles.
Limitations and Exclusions
Lost Baggage insurance does not
cover, provide service or pay claims
resulting from:
(i)loss of items not stored in
checked baggage or in custody
of an airline or Common Carrier;
(ii)a loss caused by normal wear
and tear, gradual deterioration,
moths or vermin;
(iii)loss of animals, automobiles
(including equipment and
contents), trailers, motorcycles,
bicycles, boats, motors, other
conveyances or their
accessories, souvenirs, fragile
or collectible items, jewellery,
gems, household effects and
furnishings, contact lenses,
non-prescription sunglasses,
artificial teeth and prostheses,
medical equipment and
appliances, money, securities,
tickets, documents, any
property pertaining to a
business, profession or
occupation; personal computers,
software or cellular phones;
(iv)loss of items due to radiation,
confiscation or quarantine by
any customs or government
authority, war (declared or
undeclared) risks, or contraband
or illegal transportation or trade;
(v)a loss incurred while the Insured
Person is performing a negligent
act(s) or criminal act(s); or
(vi)items specifically or otherwise
insured.
This coverage is in excess of all other
applicable valid insurance, indemnity,
reimbursement or protection
available to the Insured Person
in respect of the claim. The Insurer
will be liable only for the amount
of loss or damage over the amount
covered under such other insurance,
indemnity, reimbursement or
protection and for the amount
of any applicable deductible, only
if all such other coverage has been
claimed under and exhausted and
subject to the terms, exclusions
and limits of liability set out in this
Certificate of Insurance. This
coverage will not apply as
contributing insurance,
notwithstanding any provision
in any other insurance, indemnity
or protection policies or contracts.
How to Claim
In the event of a claim, contact the
Administrator at 1-866-224-0178
from Canada and the United States
or 416-642-2303 locally or collect
from elsewhere in the world.
You will be required to submit a
completed claim form and provide
documentation to substantiate the
claim, including the following:
(i)a copy of the Ticket(s) and a
copy of the Account statement
showing the charge and/or
Capital One reward mile
redemption for the Tickets;
(ii)a copy of the baggage
claim ticket;
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YOUR BENEFITS
(iii)the original itemized sales
receipts for replacement
costs incurred;
(iv)proof of Your departure and/or
return date (i.e., copy of tickets/
receipts/prepaid accommodation
invoice/gas receipts);
(v)name, address and policy
numbers for all other
reimbursement or insurance
coverage the Insured Person
may have, including group and
individual insurance, credit
card coverage, Common
Carrier and any other
reimbursement plans; and
(vi)written statement from the
Common Carrier or airline
confirming and detailing
the loss, including:
a) date and time of loss;
b)a statement of liability
accepted by the Common
Carrier, if any;
c)reason or circumstances
surrounding the loss; and
d)any other information
reasonably required by
the Insurer.
Claims submitted with incomplete
or insufficient documentation may
not be paid.
CAR RENTAL COLLISION/LOSS
DAMAGE WAIVER INSURANCE
This coverage is underwritten
by American Bankers Insurance
Company of Florida.
For the purposes of the Car Rental
Collision/Loss Damage Waiver
Insurance, Insured Person means
a Cardholder and any other person
who holds a valid driver’s license
and has the Cardholder’s express
permission to operate the rental
vehicle. This includes drivers not
listed on Your rental contract,
provided they would otherwise
qualify under the rental contract
and are permitted to drive the
rental vehicle under the laws of
the jurisdiction in which the rental
vehicle shall be used.
Eligibility
You are eligible for Car Rental
Collision/Loss Damage Waiver
Insurance when You rent most
private passenger vehicles on a
daily or weekly basis for a period
NOT to exceed 48 consecutive
days, provided that:
(i)You initiate the rental
transaction by booking or
reserving the vehicle rental
with Your Capital One®
MasterCard® and by providing
Your Capital One MasterCard
as payment guarantee prior
to the time You take possession
of the vehicle;
(ii)You decline the rental agency’s
collision damage waiver (CDW)
or loss damage waiver (LDW),
or similar provision; and
(iii)You rent the vehicle in Your
name and charge the entire
cost of the car rental to the
Account and/or pay with
Capital One reward miles.
Rental vehicles which are part
of a Car Sharing program
are eligible for this Car Rental
Collision/Loss Damage Waiver
Insurance if the full cost of the
rental of the vehicle was charged
to the Account and all other
eligibility requirements were met.
YOUR BENEFITS
“Free Rentals” are also eligible for
benefits when received as the
result of a promotion conditioned
on Your making previous vehicle
rentals, if each such previous rental
met the eligibility requirements
of this Certificate of Insurance.
No coverage will be provided if any
portion of the cost of the car rental
is paid for with travel reward or
frequent flyer plan miles/points
other than Capital One reward miles.
Benefits
Subject to the terms, exclusions
and limits of liability set out in this
Certificate of Insurance, You are
provided with the same protection
against losses arising from the
contractual liability assumed when
renting and operating a rental
vehicle as You would have if You
accepted the rental agency’s
collision or loss damage waiver (or
similar provision) up to the actual
cash value of the damaged or
stolen rental vehicle as well as any
reasonable, valid and documented
loss of use, reasonable and
customary towing charges and
administration charges resulting
from damage or theft occurring
while the rental vehicle is rented
in Your name. Benefits are limited
to one vehicle rental during any
one period. If, during the same
period, more than one vehicle
is rented by the Cardholder, only
the first rental will be eligible
for these benefits.
In some jurisdictions the law
requires the rental agencies
to include CDW/LDW in the price
of the vehicle rental. In these
locations, Car Rental Collision/Loss
Damage Waiver Insurance under
the Policy will only provide
coverage for any deductible that
may apply, provided all the
requirements outlined in this
Certificate of Insurance have been
met and You have waived the
rental agency’s deductible waiver.
No CDW/LDW premiums charged
by the rental agencies will be
reimbursed under the Policy. Rental
vehicles which are part of pre-paid
travel packages are eligible for
benefits if the total cost for Your
trip was charged to the Account
and all other requirements herein
are met.
This coverage is available on
a 24-hour basis anywhere in the
world, except where prohibited
by law, or where the coverage
is in violation of the terms of the
rental contract in the jurisdiction
in which it was formed. (See the
section “Know Before You Go”
for tips on how to avoid having
use of this coverage challenged.)
This coverage does not
provide any form of third
party automobile property
damage or personal injury
liability insurance.
Important: Check with Your
personal insurer and the rental
agency to ensure that You and
all other drivers have adequate
personal property, personal injury
and third party liability coverages.
The Policy only covers loss or
damage to a rental vehicle,
as stipulated herein.
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YOUR BENEFITS
“Know Before You Go”
While Car Rental Collision/Loss
Damage Waiver Insurance provide
coverage on a worldwide basis
(except where prohibited by law),
and the coverage is well received
by car rental merchants, there is
no guarantee that this coverage
will be accepted at every car rental
facility. Some rental agencies may
resist Your declining their CDW/LDW
coverage. They may try to encourage
You to take their coverage. If You
refuse, they may insist You provide
a deposit. Before booking a vehicle,
confirm that the rental agency will
accept this Car Rental Collision/Loss
Damage Waiver Insurance without
requiring a deposit. If they won’t,
find one that will, and try to get
written confirmation. If booking
Your trip through a travel agency,
let them know You want to take
advantage of this Car Rental
Collision/Loss Damage Waiver
Insurance and have them confirm
the rental agency’s willingness
to accept this coverage.
You will not be compensated
for any payment You may have to
make to obtain the rental agency’s
CDW/LDW.
Check the rental vehicle carefully
for scratches, dents and windshield
chips and point out any damage
to the agency representative before
You take possession of the vehicle.
Have them note the damage on
the rental agreement (and take
a copy with You), or ask for
another vehicle.
If the vehicle sustains damage
of any kind, immediately phone
the Administrator at one of the
numbers provided. Advise the
rental agent that You have
reported the claim and provide
the Administrator’s address
and phone number. Do not
sign a blank sales draft to
cover the damage and loss
of use charges.
Coverage Period
Insurance coverage begins as soon
as the Cardholder or other person
authorized to operate the rental
vehicle takes control of the vehicle,
and ends at the earliest of:
(i)the time the rental agency
assumes control of the rental
vehicle, whether it be at its
place of business or elsewhere;
(ii)the date the Account is
cancelled, closed or ceases
to be in Good Standing;
(iii)the date the Insured Person
ceases to be eligible for
coverage; or
(iv) the date the Policy is cancelled.
Types of Vehicles Covered
The types of rental vehicles covered
include cars, sport utility vehicles
and mini-vans (as defined below).
Mini-vans are covered provided they:
(i)are for private passenger use
with seating for no more than
8 occupants including the
driver; and
(ii)are not to be used for hire
by others.
YOUR BENEFITS
Types of Vehicles NOT Covered
Vehicles which belong to the
following categories are
NOT covered:
(i)any vehicle with a
manufacturer’s suggested
retail price, excluding taxes,
over $65,000 at the time
and place of loss;
(ii) vans (except as defined above);
(iii)trucks, pick-up trucks or any
vehicle that can be reconfigured
into a pick-up truck;
(iv)campers or trailers or
recreational vehicles;
(v) off-road vehicles;
(vi)motorcycles, mopeds
or motorbikes;
(vii)expensive or exotic vehicles;
(viii)customized vehicles;
(ix) antique vehicles; and
(x) leased vehicles.
An antique vehicle is one which
is over 20 years old or its model
has not been manufactured for
10 years or more.
Limousines that have been
stretched or altered from the
original factory design are
excluded. However, standard
production models of these
vehicles that are not used as
limousines are not excluded.
Limitations and Exclusions
Car Rental Collision/Loss Damage
Waiver Insurance do not cover any
loss caused or contributed to by:
(i)operation of the rental vehicle
in violation of the law or any
terms and conditions of the
rental agreement/contract;
(ii)operation of the vehicle by
any driver not so authorized;
(iii)operation of the vehicle by
any driver not in possession
of a driver’s license that is
valid in the rental jurisdiction;
(iv)operation of the vehicle on
other than regularly
maintained roads;
(v)alcohol intoxication where
the driver’s blood alcohol
concentration is equal to
or over the blood alcohol
concentration limit for
impaired driving under the
Criminal Code of Canada or
the jurisdiction in which the
vehicle rental occurred, if
lower, or the driver is charged
for impaired driving;
(vi) use of narcotic by the driver;
(vii)nuclear reaction, radiation
or radioactive contamination;
(viii)damage to tires unless
in conjunction with
an insured cause;
(ix)wear and tear, gradual
deterioration, mechanical
breakdown of vehicle;
(x)any damage caused by
moving or transporting cargo;
(xi)insects or vermin, inherent
vice or damage;
(xii)hostile or warlike action,
insurrection, rebellion,
revolution or civil war;
(xiii)seizure or destruction under
quarantine or customs
regulations or confiscation
by any government or
public authority;
(xiv)transporting contraband
or illegal trade;
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YOUR BENEFITS
(xv)transportation of property
or passengers for hire; or
(xvi)any dishonest, fraudulent
or criminal act committed or
attempted by the Cardholder
and/or any authorized driver.
Benefits do NOT include
coverage for:
(i)vehicles rented for a period
that exceeds 48 consecutive
†
days, whether or not under
one or more consecutive
rental agreements;
(ii)a replacement vehicle for
which Your personal automobile
insurance, car dealer, repair
shop, or other party is covering
all or part of the rental cost;
(iii)loss or theft of personal
belongings in the vehicle,
including cellular telephones,
portable computers, electronic
and communication devices;
(iv)expenses assumed, waived
or paid or payable by the
rental agency or its insurer;
(v)third party liability (injury
to anyone or anything inside
or outside the vehicle); or
(vi)any amount payable by
Your employer or employer’s
insurance coverage, if the rental
car was for business purposes.
†
If the rental period exceeds 48 days,
no coverage will be provided even
for the first 48 days of the rental
period. Coverage may not be
extended for more than 48 days
by renewing or taking out a new
rental agreement with the same
or another vehicle rental agency
for the same or another vehicle.
How to Claim
You must report a claim to the
Administrator as soon as possible,
and in all events within 48 hours of
the damage or theft having occurred.
Call 1-866-224-0178 from Canada
and the United States or
416-642-2303 locally or collect
from elsewhere in the world.
Failure to report a claim within
48 hours may result in denial of the
claim or reduction of Your benefit.
A customer service representative
will take down some preliminary
information, answer any questions
You may have, and forward You
a claim form. You will be required
to submit a completed claim form
including the following
documentation:
(i)a copy of the driver’s license of
the person who was driving
the vehicle at the time of
the accident;
(ii)a copy of the loss/damage
report You completed with
the rental agency;
(iii)a copy of a police report
required when the loss
results in damage or theft
over $1,000;
(iv)a copy of Your sales receipt,
and Your statement of Account
showing the rental charge and/
or Capital One reward mile
redemption;
(v)the front and back of the
original opened and closed-out
rental agreement;
(vi)a copy of the itemized repair
estimate, final itemized repair
bill and parts invoices;
YOUR BENEFITS
(vii)original receipt(s) for any
repairs for which You may
have paid; and
(viii)if loss of use is charged,
a copy of the rental agency’s
complete daily utilization log
from the date the vehicle was
not available for rental, to the
date the vehicle became
available to rent.
Claims submitted with incomplete
or insufficient documentation may
not be paid.
subject to the Limitations and
Exclusions below. If such an item
is lost, stolen or damaged, it will
be replaced or repaired or You
will be reimbursed the purchase
price charged to the Account,
at the Administrator’s discretion.
Limitations and Exclusions
Purchase Assurance coverage
is in excess of all other applicable
valid insurance, indemnity,
warranty or protection available
to You in respect of the item(s)
subject to the claim.
PURCHASE ASSURANCE
AND EXTENDED WARRANTY
INSURANCE
Purchase Assurance benefits
are not available in respect of
the following:
Coverage is underwritten
by American Bankers Insurance
Company of Florida.
(i)traveller’s cheques, cash
(whether paper or coin),
bullion, precious metals,
tickets, documents, stamps,
negotiable instruments or
property of a similar nature;
(ii)animals or living plants;
(iii)golf balls or other sports
equipment lost or damaged
during the course of normal use;
(iv)mail order, Internet, telephone
purchases or any purchase
being shipped until delivered
and accepted by You in new
and undamaged condition;
(v)automobiles, motorboats,
airplanes, motorcycles, motor
scooters, snowblowers, riding
lawn mowers, golf carts,
lawn tractors, any other
motorized vehicles (except for
miniature electrically powered
vehicles intended for recreational
use by children), or any of their
respective parts or accessories;
Purchase Assurance and Extended
Warranty Insurance are available
only to the Cardholder. No other
person or entity shall have any right,
remedy or claim, legal or equitable,
to the benefits.
Benefits are only available when the
full cost of personal items is charged
to the Account and/or paid for with
Capital One reward miles.
Purchase Assurance
Purchase Assurance is available
automatically, without registration,
to protect most new items of
personal property purchased with
Your Capital One® MasterCard.®
Benefits
Eligible items are protected for
120 days from the date of
purchase against loss, damage
or theft anywhere in the world,
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YOUR BENEFITS
(vi)perishables such as food, liquor
and/or goods consumed in use;
(vii)jewellery and gems stored in
baggage unless such baggage
is hand carried under the
personal supervision of the
Cardholder or such
Cardholder’s Travelling
Companion with the
Cardholder’s knowledge;
(viii)used or previously owned or
refurbished items, including
antiques, collectibles and
fine arts;
(ix)items purchased and/or
used by or for a business
or for commercial gain;
(x)losses caused by or resulting
from fraud, misuse or lack
of care, improper installation,
hostilities of any kind (including
war, terrorism, invasion,
rebellion or insurrection),
confiscation by authorities,
risks of contraband, illegal
activities, normal wear or tear,
flood, earthquake, radioactive
contamination, Mysterious
Disappearance, or inherent
product defects;
(xi)bodily injury, property damage,
consequential damages,
punitive damages, exemplary
damages and legal fees; or
(xii)services, including delivery
and transportation costs of
items purchased.
See General Provisions for Purchase
Assurance and Extended Warranty
Insurance below.
Extended Warranty
Coverage is only available when the
full cost of personal items with an
Original Manufacturer’s Warranty
valid in Canada is charged to the
Account and/or paid for with
Capital One reward miles.
Benefits
Extended Warranty Insurance is
available automatically, without
registration, to provide You with
double the period of repair services
otherwise provided by the Original
Manufacturer’s Warranty, to a
maximum of 2 full years, on most
personal items purchased new and
charged to the Account and/or
paid for with Capital One reward
miles, provided that, in all cases,
automatic coverage is limited to
Original Manufacturer’s Warranties
of 5 years or less.
Extended Warranty benefits apply
to any parts and/or labour costs
resulting from mechanical
breakdown or failure of a covered
item, where such obligation
was specifically covered under
the terms of the Original
Manufacturer’s Warranty.
Extended Warranty benefits are
limited to the lesser of the cost
to repair or replace or the original
purchase price of the eligible item,
including applicable taxes.
Limitations and Exclusions
Extended Warranty coverage
is in excess of all other applicable
valid insurance, indemnity,
warranty or protection available
to You in respect of the item(s)
subject to the claim.
The Extended Warranty benefit
ends automatically upon the date
when the original manufacturer
ceases to carry on business
for any reason whatsoever.
YOUR BENEFITS
The Extended Warranty benefit
does not cover the following:
(i)aircraft, automobiles,
motorboats, motorcycles,
motor scooters, snowblowers,
snowmobiles, riding lawn
mowers, golf carts, lawn
tractors, or any other motorized
vehicles (except for miniature
electrically powered vehicles
intended for recreational use
by children), or any of their
respective parts or accessories;
(ii)services;
(iii)items purchased and/or
used by or for a business
or for commercial gain; or
(iv)bodily injury, property
damages, consequential
damages, punitive damages,
exemplary damages or
aggravated damages
and legal fees.
GENERAL PROVISIONS FOR
PURCHASE ASSURANCE
AND EXTENDED WARRANTY
INSURANCE
Gifts
Eligible items that You give
as gifts are covered for Purchase
Assurance and Extended Warranty
Insurance. In the event of a claim,
You, not the recipient of the gift,
must make the claim for benefits.
Limits of Liability
There is a maximum lifetime
liability of $60,000 per Account.
You will be entitled to receive no
more than the original purchase
price of the protected item as
recorded on Your sales receipt.
When the covered item is part
of a pair or set, You will receive no
more than the value of the particular
part or parts lost or damaged
regardless of any special value that
the item may have as part of an
aggregate purchase price of such
pair or set. The Insurer, at its sole
option, may elect to:
(i)repair, rebuild or replace the
item lost or damaged (whether
wholly or in part); or
(ii)pay You for said item, not
exceeding the lesser of the
original purchase price, the
replacement price or the repair
cost thereof and subject to
the exclusions, terms and limits
of liability as stated in this
Certificate of Insurance.
Other Insurance
Purchase Assurance and Extended
Warranty Insurance is in excess of
all other applicable valid insurance,
indemnity, warranty or protection
available to You in respect of
the item(s) subject to the claim.
The Insurer will be liable only for
the amount of loss or damage
over the amount covered under
such other insurance, indemnity,
warranty or protection and for
the amount of any applicable
deductible, and only if all such
other coverage has been claimed
under and exhausted, and further
subject to the terms, exclusions
and limits of liability set out in this
Certificate of Insurance. This coverage
will not apply as contributing
insurance, notwithstanding any
provision in any other insurance,
indemnity or protection policies
or contracts.
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YOUR BENEFITS
How to Claim
You must keep original receipts
and other documents described
herein to file a valid claim.
Immediately after learning of any
loss or occurrence, You must notify
the Administrator by telephoning
1-866-224-0178 from Canada
and the United States or
416-642-2303 collect from
elsewhere in the world. The
Administrator will send You the
applicable claim form(s). Your
failure to provide proof of loss
within 90 days from the date of
loss or damage may result in
denial of the related claim.
You must complete and sign the
claim form which must contain the
time, place, cause and amount of
loss, and include the following:
(i)the customer copy of Your
sales receipt and a copy of the
Account statement showing
the charge and/or Capital One
reward mile redemption;
(ii)the original vendor’s
sales receipt;
(iii)a copy of the Original
Manufacturer’s Warranty
(for Extended Warranty
claims); and
(iv)a police, fire, insurance claim
or loss report and/or other
report of the occurrence
of the loss sufficient for
determination of eligibility
for the benefits hereunder.
Prior to proceeding with any repair
services, You must obtain the
Administrator’s approval in order
to ensure the eligibility for payment
of Your claim. At the sole discretion
of the Insurer, You may be required
to send, at Your own expense, the
damaged item on which a claim is
based to the Administrator in order
to support Your claim. Payment made
in good faith will discharge the
Insurer to the extent of this claim.
Termination of Coverage
Coverage ends on the earliest of:
(i)the date the Account is
cancelled, closed or ceases
to be in Good Standing;
(ii)the date the Cardholder ceases
to be eligible for coverage; and
(iii) the date the Policy terminates.
No coverage will be provided for
items purchased after the Policy
termination date.
PRICE PROTECTION
SERVICE
This service is provided by
American Bankers Insurance
Company of Florida.
Price Protection Service is not
insurance and is available only to
the Cardholder. No other person or
entity shall have any right, remedy
or claim, legal or equitable, to Price
Protection payments.
Services
Price Protection Service is in effect for
60 days from the date of purchase
of most new items of personal
property purchased in Canada and
charged in full to the Account and/
or paid for with Capital One
reward miles, subject to the
Limitations and Exclusions below.
If, within 60 days of the purchase
of an eligible item, You find an
identical item with the same brand,
model number (if applicable) and
YOUR BENEFITS
attributes (benefits, features,
functions and uses) offered for
retail sale in Canada (in Canadian
dollars) at a price lower than the
price You paid, You must call the
Administrator at 1-866-224-0178.
The Administrator will decide on
a case-by-case basis, at their
discretion and subject to the
Limitations and Exclusions below,
to either:
1.buy back the original eligible
item from You at the original
price, provided You, after
receiving authorization,
purchase the identical lower
priced item, charged in full
to Your Account; or
2.settle the service obligation by
paying You the price difference
between the original eligible
item and the identical lower
priced item.
The buyback or payment amount is
based on the price of the item before
applicable taxes, manufacturer’s
rebate, store rebates, and shipping
and installation charges. Price
Protection Service is subject to
a minimum price difference of $10
per item, and a maximum of $100 per
item, and in the case of payment to
You for the difference in price, a
maximum of $500 per Account per
calendar year. The Price Protection
Service will apply to a maximum of
3 identical items during the 60-day
period. No item can be submitted
for Price Protection payment more
than once during the 60-day period.
Limitations and Exclusions
Price Protection Service is not
available in respect of the
following:
(i) traveller’s cheques, cash
(whether paper or coin),
bullion, precious metals,
tickets, documents, stamps,
negotiable instruments or
property of a similar nature;
(ii) animals, living plants or
perishables such as food and
liquor and/or goods consumed
in use;
(iii)computers (including hardware,
software, printers and scanners),
cellular phones, personal digital
assistants (PDA) or any similar
electronic device;
(iv) automobiles, motorboats,
airplanes, motorcycles,
motor scooters, riding lawn
mowers, golf carts, lawn
tractors or any other motorized
vehicles (except for miniature
electrically powered vehicles
intended for recreational use
by children), or any of their
respective parts, fuels or
accessories;
(v) one-of-a-kind items;
(vi) used or previously owned or
refurbished items, including
antiques, collectibles and
fine art;
(vii) items purchased and/or
used by or for a business
or for commercial gain; or
(viii) services related to items
purchased, including
insurance, duty, delivery
and transportation costs.
Price Protection Service does not
apply if the retailer makes a price
adjustment and/or refunds the
difference between the original
and lower price. Price comparisons
with liquidated merchandise,
grey market (Internet) items and
gift card or savings card incentives
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32
YOUR BENEFITS
issued by a retailer are not eligible
for Price Protection Service. Price
comparisons with items offered
for sale on a website outside of
Canada or for which an
international shipping fee must
also be paid are not eligible for
Price Protection Service.
You are only eligible for Price
Protection Service if the Account
is in Good Standing at the time
of Your request.
Gifts
Eligible items that You give as gifts
are covered. In the event a price
difference is discovered, You, not the
recipient of the gift, must make the
request for Price Protection Service.
How to Request
Price Protection Service
You must keep original receipts
and other documents described
herein to file a valid request.
You must notify the
Administrator by telephoning
1-866-224-0178 as soon as
You discover the advertised
price difference. The Administrator
will decide, as described under
Services, whether to buy back the
original eligible item or pay You
the difference in price between
the original eligible item and
the identical lower-priced item.
The Administrator will send You
the applicable request form. Your
failure to provide the completed
request form and proof supporting
Your request under items (i) – (iii)
below within 90 days from the
date of purchase may result in
non-payment of the related request.
You must complete and sign
the request form and include
the following:
(i) the customer copy of Your
sales receipt and a copy of the
Account statement showing
the charge and/or Capital One
reward mile redemption;
(ii) the original vendor’s sales
receipt;
(iii)a dated advertisement/flyer
to prove that the identical item
was offered in Canada at the
reduced price within 60 days of
the date of Your purchase; and
(iv)if the Administrator chooses to
buy back the original eligible
item, You must ship the original
eligible item in accordance with
the instructions provided to
You by the Administrator.
This service may be discontinued
or amended upon notice to the
Cardholder.
COMMON CARRIER TRAVEL
ACCIDENT INSURANCE AND
BAGGAGE DELAY INSURANCE
Common Carrier Travel Accident
Insurance is underwritten by
American Bankers Life Assurance
Company of Florida and Baggage
Delay Insurance is underwritten
by American Bankers Insurance
Company of Florida.
For this benefit, Insured Person
means the Cardholder, his or her
Spouse and Dependent Child(ren).
As a Capital One MasterCard
Cardholder, You, Your Spouse and
Your Dependent Child(ren) will be
automatically insured against
YOUR BENEFITS
accidental loss of life, limb, sight,
speech or hearing while riding as
a passenger in, entering or exiting
any licensed Common Carrier,
provided the entire cost of the
Ticket, less redeemable certificates,
vouchers, coupons or free flights
awarded from frequent flyer cards,
has been accumulated or charged
to Your Account and/or paid for
with Capital One reward miles. If
the entire cost of the Ticket has been
charged to Your Account prior to
departure for the airport, terminal
or station, coverage is also provided
a)for Common Carrier travel,
immediately, preceding Your
departure, directly to the
airport, terminal or station
b)while at the airport, terminal
or station
c)for Common Carrier travel
immediately following Your
arrival at the airport, terminal
or station of Your destination.
If the entire cost of the Ticket has
not been charged to Your Account
and/or has not been paid for with
Capital One reward miles prior to
Your arrival at the airport, terminal
or station, coverage begins at the
time the entire cost of the Ticket
is charged to Your Account and/or
paid for with Capital One reward
miles. This coverage does not include
commutation which is defined as
travel between the Insured Person’s
permanent residence and regular
place of employment. In conjunction
with a covered Trip, the Insurer will
reimburse the Cardholder up to the
maximum Baggage Delay Benefit
Amount of $300. The Insurer’s
payment is limited to expenses
incurred for the emergency purchase
of Essential Items needed by the
Insured Person while on a Trip and at
a destination other than the Insured
Person’s location of permanent
residence. Baggage Delay means a
delay or misdirection of the Insured
Person’s property by a Common
Carrier for more than 4 hours from
the time the Insured Person arrives
at the destination on the Insured
Person’s Ticket. Property means
the Insured Person’s baggage and
personal property contained in the
baggage that has been checked
in with a Common Carrier.
Beneficiary
The loss of life benefit will be
paid to the beneficiary designated
by the Insured Person. If no such
designation has been made, that
benefit will be paid to the first
surviving beneficiary in the
following order:
a) the Insured Person’s spouse,
b) the Insured Person’s child(ren),
c) the Insured Person’s parents,
d) the Insured Person’s brothers
and sisters,
e) the Insured Person’s estate.
All other indemnities will be paid
to the Insured Person.
The Benefits
The full Benefit Amount is payable
for accidental loss of life, two or
more members, sight of both
eyes, speech and hearing or any
combination thereof. One half of
the Benefit Amount is payable for
accidental loss of one member, sight
of one eye, speech or hearing.
“Member” means hand or foot.
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YOUR BENEFITS
One quarter of the Benefit Amount
is payable for the accidental loss of
the thumb and index finger of the
same hand. “Loss” means, with
respect to a hand, complete
severance through or above the
knuckle joints of at least 4 fingers
on the same hand; with respect
to a foot, complete severance
through or above the ankle joint.
The Insurer will consider it a loss
of hand or foot even if they are
later reattached.
“Benefit Amount” means the loss
amount applicable at the time the
entire cost of the Ticket is charged
to Your Account and/or paid for
with Capital One reward miles. The
loss must occur within one year of
the Accident. The Insurer will pay
the single largest applicable Benefit
Amount. In no event will duplicate
request forms or multiple charge
cards obligate the Insurer in excess
of the stated Benefit Amounts for
any one loss sustained by any one
individual insured as the result of
any one Accident. The Baggage
Delay benefit is
1) limited to $100 per day
per Insured Person up to
a maximum of 3 days; and
2)in excess of all other valid and
collectable insurance.
The limit of coverage for an
Insured Person whose coverage
has become effective shall be:
•$500,000 for Common Carrier
Travel Accident Insurance
• $300 for Baggage Delay
Insurance
In the event of multiple accidental
deaths per Account arising from
any one Accident, the Insurer’s
liability for all such losses will be
limited to a maximum limit of
insurance equal to 3 times the
applicable Benefit Amount for
loss of life. Benefits will be
proportionately divided among
the Insured Persons up to the
maximum limit of insurance.
Exclusions
This insurance does not cover
loss resulting from:
1)an Insured Person’s emotional
trauma, mental or physical
illness, disease, pregnancy,
childbirth or miscarriage,
bacterial or viral infection
(except bacterial infection
caused by an Accident or from
accidental consumption of a
substance contaminated by
bacteria), or bodily
malfunctions;
2)suicide, attempted suicide or
intentionally self-inflicted injuries;
3)declared or undeclared war,
but war does not include acts
of terrorism;
4)commutation which is defined
as travel between the Insured
Person’s permanent residence
and regular place of employment.
This insurance also does not
apply to an Accident occurring
while an Insured Person is in,
entering or exiting any aircraft
while acting or training as a
pilot or crew member, but this
exclusion does not apply to
passengers who temporarily
perform pilot or crew functions
in a life-threatening emergency.
YOUR BENEFITS
Essential Items not covered by the
Baggage Delay benefit include, but
are not limited to:
1)contact lenses, eyeglasses or
hearing aids;
2) artificial teeth, dental bridges
or prosthetic devices;
3)tickets, documents, money,
securities, cheques, traveller’s
cheques and valuable papers; or
4) business samples.
For the Baggage Delay Benefit:
•Itemized original receipts for
actual expenses incurred;
•A copy of the baggage claim
ticket;
•Verification from the Common
Carrier of the delay including
reason for the delay; and
•A copy of the invoice showing
Your Capital One MasterCard
as the method of payment.
Termination of Coverage
This insurance will cease on the
date the Policy is terminated or on
the date Your Account ceases to
be in Good Standing, whichever
comes first.
Program management
is provided by:
Claims Procedures
Answers to specific questions
related to the Common Carrier
Travel Accident benefit or the
Baggage Delay benefit can be
obtained by calling the Insurer at
1-866-224-0178. As a condition
to the payment of benefits under
this insurance, the Insurer will
need certain information from
You if You need to file a claim.
This documentation will include,
at a minimum and is not limited
to, the following:
GENERAL PROVISIONS AND
STATUTORY CONDITIONS
For the Common Carrier Travel
Accident Insurance benefit:
•A copy of the invoice showing
Your Capital One MasterCard
as the method of payment;
•Certified death certificate;
•Medical records pertaining
to the Accident; and
•Police report or any other
accident reports filed.
CSI Brokers Inc.
1 Yonge Street, Suite 1801
Toronto, ON M5E 1W7
Unless otherwise expressly
provided herein or in the Policy,
the following general provisions
apply to the benefits described
in this Certificate of Insurance.
Notice and Proof of Claim
Immediately after learning of
a loss, or an occurrence which
may lead to a loss under any of
these insurance benefits, notify
the Administrator. You will then
be sent a claim form.
Written notice of claim must be
given to the Administrator as soon
as reasonably possible after the
occurrence or commencement of
any loss covered by the Policy, but
in all events, provided within 90 days
from the date of such loss. Written
notice given by or on behalf of the
claimant or the beneficiary, with
information sufficient to identify
the Cardholder, shall be deemed
notice of claim.
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36
YOUR BENEFITS
The completed claim forms
together with written proof of
loss must be delivered as soon
as reasonably possible, but in all
events within one year from the
date on which the loss occurred.
Failure to provide notice or furnish
proof of claim within the time
prescribed herein does not invalidate
the claim if the notice or proof is
given or furnished as soon as
reasonably possible, and in no event
later than one year from the date
a claim arises hereunder, if it is
shown that it was not reasonably
possible to give notice or furnish
proof within the time so prescribed.
If the notice or proof is given or
furnished after one year, Your
claim will not be paid.
Payment of Claim
Benefits payable under the Policy
will be paid upon receipt of full
written proof, as determined by
the Insurer.
Examination and Autopsy
The Insurer at is own expense
shall have the right and opportunity
to examine any Insured Person
whose injury or illness is the basis
of a claim hereunder when and
so often as it may reasonably
require during pendency of claim
hereunder, and also the right and
opportunity to make an autopsy
in case of death where it is not
forbidden by law.
Termination of Insurance
Coverage ends on the earliest of:
(i)the date the Account is
cancelled, closed or ceases
to be in Good Standing;
(ii)the date the Insured Person
ceases to be eligible for
Coverage; and
(iii)the date the Policy terminates.
No losses incurred after the Policy
termination date will be paid,
unless otherwise specified.
Subrogation
Following payment of an Insured
Person’s claim for loss or damage,
the Insurer shall be subrogated
to the extent of the amount of
such payment, to all of the rights
and remedies of the Insured Person
against any party in respect of such
loss or damage, and shall be entitled,
at its own expense, to sue in the
Insured Person’s name. The Insured
Person shall give the Insurer all
such assistance as is reasonably
required to secure its rights and
remedies, including the execution
of all documents necessary to enable
the Insurer to bring suit in the
name of the Insured Person.
Due Diligence
The Insured Person shall use due
diligence and do all things reasonable
to avoid or diminish any loss or
damage under the Policy.
False Claim
If You make any claim knowing
it to be false or fraudulent in
any respect, You shall no longer
be entitled to the benefits of
this insurance nor to the payment
of any claim under the Policy.
Legal Action
Every action or proceeding against
an insurer for the recovery of
insurance money payable under the
contract is absolutely barred unless
commenced within the time set out
YOUR BENEFITS
in the Insurance Act, Limitations
Act or other applicable legislation
in Your province or territory.
Access to Medical Care
The Insurer, the Policyholder
and the Administrator are not
responsible for the availability,
quality or results of any medical
treatment or transport, or for
the failure of an Insured Person
to obtain medical treatment.
ASSISTANCE SERVICES
Assistance Services are services
only, not insurance benefits. Any
costs incurred for, or in connection
with such services will be charged
to the Capital One® MasterCard®
Account (subject to credit
availability). If not chargeable,
payment for such costs will be
arranged (where reasonably
possible) through family or friends.
These services are available on a
24/7 basis. To take advantage of
any of the services described below,
simply call 1-866-224-0178 from
Canada and the United States or
416-642-2303 locally or collect
from elsewhere in the world.
Assistance services may not be
available in countries of political
unrest and such other countries
as may from time to time be
determined to be unsafe, or
which may be inaccessible.
Travel Assistance Services
Medical Referral and Assistance
In the event of a medical emergency,
You will be directed to the nearest
appropriate medical facility wherever
possible. It is recommended that You
contact the Administrator for this
assistance prior to seeking treatment
for any Medical Emergency. Please
note that any costs incurred for or
in connection with such services
will be charged to the Account
(subject to credit availability).
Emergency Cash Transfer
In the event of theft, loss or an
emergency while travelling away
from home, You can call to obtain
an emergency cash transfer,
to a maximum of $5,000.
Lost Document and
Ticket Replacement
In the event of theft or loss
of necessary travel documents
or tickets when travelling,
You can call for assistance
with arrangements for
their replacement.
Lost Luggage Assistance
In the event of theft or loss, You
can call for assistance to help
You locate or replace lost or stolen
luggage and personal effects. The
cost of obtaining replacement
luggage and personal effects
will be charged to the Account.
Pre-Trip Information
You can call and obtain information
regarding passport and visa
regulations, and vaccination and
inoculation requirements for the
country You are visiting.
Legal Referrals and
Payment Assistance
If, while travelling, You require legal
assistance, You can call for a referral
to a local legal advisor and/or
assistance with arrangements for
the posting of bail and the payment
of legal fees to a maximum of $5,000.
37
38
YOUR BENEFITS
Concierge Services
(Applicable to World MasterCard
cardholders only.)
You can call for assistance
with arrangements for travel,
entertainment, business and
shopping. Any costs incurred
for or in connection with such
services will be charged to the
Account (subject to credit
availability). Concierge Services
include the following:
• Medical provider appointments
and admission arrangements
• Emergency medical
transportation arrangements
• Prescription replacement
arrangements
• Emergency medical visitation
arrangements
• Emergency cash transfer
arrangements
• Emergency assistance
translation services
• Assistance with replacing
lost tickets or documents
• Reservations and booking
theatre, sporting and other
entertainment events
• Reservations of limousine
and car services
• Booking time at health club and
specialty shopping reservations
• Reservations for exhibitions,
shows and festivals
• Messenger service referral
and arrangements
• Booking of golf tee times and
other reservation services
• Gift basket and floral delivery
arrangements
• Any other type of “reservation”
or “booking” request
END OF CERTIFICATE
OF INSURANCE
World Elite MasterCard
Concierge Services
(Applicable to World Elite
cardholders only.)
To take advantage of the
services described below, simply
call 1-800-481-3239 from
Canada and the United States
or 1-804-934-2010 collect
from elsewhere in the world.
As a MasterCard cardholder, we
know you have demanding and
busy lives, so you often can benefit
from extra support and help. The
concierge service is like having a
personal assistant. The Concierge
Agents (CAs) are highly experienced
and specialized, and strive to fulfill
your request resourcefully and
efficiently. With offices around
the world, the CAs channel their
passion and attention to detail into
delivering above and beyond your
expectations. MasterCard Concierge
offers all types of assistance,
and fulfills an extensive range
of requests, including:
Information:
• For business and leisure trips
you will be provided details and
advice on travel destinations,
business etiquette, passport and
visa requirements, and weather.
They can also provide information
on tours, entertainment events,
YOUR BENEFITS
sports schedules, trade fairs and
exhibitions, as well as restaurant
recommendations in cities
around the world.
Referrals:
• If you need help in locating
trustworthy and reliable services,
the CA can refer business services,
local and home services, and
professional services.
Travel Issues & Arrangements:
• The CAs are fully equipped to
assist with location & recovery
of lost baggage, location &
forwarding of lost property,
transportation arrangements,
charters of yachts, aircraft and
private trains, and property
location and rental (short term).
Entertainment:
•The CAs are experts in arranging
access to all types of
entertainment events, from
concerts to opera, sports events,
Broadway or West End shows,
and all types of nightlife. They
can also arrange for special
access (e.g. private boxes or
backstage visits), attendance at
premieres, and “impossible to
get into” events and restaurants.
Special Experiences:
• The team can support you in
investigating a range of special
experiences, such as cooking
classes with professional chefs,
golf lessons with PGA tour
professionals, flights in fighter
jets, rental of private islands,
safaris and heli-skiing.
World Elite MasterCard
Concierge Services Terms
and Conditions
As a MasterCard cardholder,
you (both the principal and the
supplementary cardholder) agree
to abide by the following Terms
and Conditions when utilizing this
service (including all orders for
goods and services from a supplier
recommended by the Concierge
Agent (a “Supplier”)).
(i)Your right to use this service
is exclusive to you as a World
Elite MasterCard cardholder.
You are responsible for
ensuring that no one else
uses this privilege. You are
required to provide accurate
details when using this service.
(ii)You may request to source for
information, services, benefits
or products. The concierge has
the absolute discretion not to
provide or make any requested
arrangement if in its opinion,
the provision of such services
would be contrary to any laws
or regulations or if such services
or the provision of any such
services is immoral or against
public interests
(iii)The concierge will contact
you via the contact details
provided by you as to the
availability of any of the services
you have requested to source.
The concierge shall not be
liable to you if it is not able
to source any of the services
you have requested for or if
there is any delay in sourcing
any such services for you
39
40
YOUR BENEFITS
(iv) You agree that the sale of any
tickets for any event is final
and there are no refunds or
cancellations after you have
purchased your tickets. In the
event of show cancellations
directly by the artist/promoter,
any refund is subject to the
discretion of such artist/promoter
and concierge is not liable to
you for any such refunds or
any losses, damages or liabilities
suffered by you as a result
of such cancellations
(v) Unless stated otherwise, you
are required to make payment
for all the services you ordered
or requested through the
service upon the acceptance
of your order by the Supplier.
You agree that you will use
your MasterCard exclusively
for payment of anything
ordered through this service
(vi) Any additional associated
costs or third party expenses
incurred in the procurement,
provision or the delivery of the
services shall also be paid for by
you and such Additional Charges
will be billed to your MasterCard
(vii) Your contract for the purchase
of products or services is made
with the relevant Supplier
only. MasterCard and its third
party concierge services
provider hereby disclaim any
and all liability for any act or
omission of any Supplier or any
loss incurred by you as a result
of any act or omission of a
Supplier or use of any product
or service provided by a third
party whether or not arranged
through a concierge agent
(viii) Services may not be available
in all countries. For instance,
restrictions may apply where:
a country is involved in an
international or internal conflict,
the existing infrastructure is
deemed inadequate to support
service or where applicable
law prohibits or restricts us
from providing or arranging
for such services.
(ix) As part of the fulfillment of
the services requested it may
be required for the concierge
to record the telephone
conversations.
(x) You understand and agree
that in order to provide
fulfillment of the concierge
services requested by you
information about you may
be transferred cross-border.
Capital One is a registered trademark of Capital One Financial Corporation, used under license.
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International
Incorporated. All trademarks used herein are owned by the respective entities. © 2016 Capital One.
All rights reserved.
BR397962
10054774

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