Learn more about Visa`s​ benefits

Travel Accident Insurance
Basic Benefits
Visa cardholders, their spouses and dependant children** under 23 years of age, and VISA
CTA users with this benefit will be automatically covered worldwide against accidental bodily
injuries, which are the sole cause of loss of life or dismemberment while traveling, boarding
or descending from an aircraft operated by a scheduled airline* licensed to carry passengers
for hire on a regularly scheduled flight, or a maritime or land conveyance operated by a
licensed common carrier duly authorized to transport passengers, provided the full travel fare
has been paid with the cardholder’s valid Visa card or Visa CTA.
Cardholders and CTA users are also entitled to this coverage when
using a means of transportation, such as bus, authorized to transport
passengers from the commercial carrier’s plane, if this is included in the
ticket price or if the airport provides that type of transportation within its
facilities.
All frequent flyer, rewards and complimentary common carrier tickets are
covered if there are taxes and/or fees associated with the ticket issuance
and they are charged in their entirety to an eligible Visa card. If there
are no taxes or fees, or they are paid with rewards points, only tickets
earned as direct result of charges made with an eligible Visa Card will be
covered. The bank will have to send a letter to guarantee that the points
acquired in the loyalty were generated by the use of the Visa card covered
by the insurance. The Visa TravelMoney Platinum Prepaid card does not
include this coverage.
If body injuries cause death or dismemberment, including loss of sight,
speech and hearing, benefits will be paid as described below:
NOTICE
This document is a summary of the policy and is intended to be distributed in its entirety to cardholders. If an issuer uses excerpts of this material to
distribute to cardholders it does so at its own risk.
**For dependant children, the benefit amount is subject to local regulations.
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Travel Accident Insurance
Basic Benefits
Loss
Percentage of
Benefit Payable
Accidental loss of life
100%
Loss of both hands or both feet, or the sight
of both eyes, or speech and hearing in both
ears, or one hand and one foot, or either
hand or foot, and sight of one eye
100%
Accidental loss of one hand or one foot, or
the sight of one eye, or speech or hearing in
both ears
50%
Accidental loss of index finger and thumb
on same hand
25%
In some instances, according to the provisions of the locally admitted
policy issued in the jurisdiction where your international Visa card has
been issued, the US Dollar benefit amounts shown will be converted to
equivalent local currency and certain details of coverage may differ from
what is outlined in this document.
Complete provisions pertaining to this plan of insurance are contained in
the policy on file with Visa International, Latin America and Caribbean
Region, Miami, Florida. If a statement in the description of coverage and
any provision in the policy differ, the locally admitted policy issued in
the jurisdiction where your international Visa card has been issued will
govern.
If the Insured has multiple losses as the result of one accident, the
Company will pay the single largest benefit amount applicable. The death
benefit will be paid to the beneficiary designated by the Insured, or if
there is no such designation, to the first surviving beneficiary scheduled
on the policy, as follows:
* “Scheduled Airline” means an airline listed in the Official Airline Guide
or ABC World Airways Guide where the air carrier holds a certificate,
license, or similar authorization for scheduled air transportation issued by
the relevant authorities of the country in which the aircraft is registered,
and in accordance with such authorization, maintains and publishes
schedules and tariffs for passenger service between named airports at
regular and specific times.
The Plan is underwritten by:
Spouse, or, if none,
Country
Company
Parents, in equal shares, or, if none,
Argentina
La Meridional Compañía Argentina de Seguros, S.A.
Siblings, in equal shares, or, if none,
Bolivia
Chartis Chile Compañía de Seguros Generales S.A.
Executor or administrator appointed by local courts
Brasil
Chartis Seguros Brasil S.A.
Chile
Chartis Chile Compañía de Seguros Generales S.A.
Colombia
Chartis Seguros Colombia S.A.
Ecuador
AIG Metropolitana Compañía de Seguros y
Reaseguros S.A.
El Salvador
Chartis Seguros El Salvador S.A.
Guatemala
Chartis Seguros Guatemala S.A.
Honduras
American Home Assurance Company
Jamaica
American Home Assurance Company
México
Chartis Seguros Mexico, S.A. de C.V.
Panamá
National Union Fire Insurance Company of Pittsburg,
PA
Paraguay
Chartis Chile Compañía de Seguros Generales S.A.
Chartis Chile Compañía de Seguros Generales S.A.
•
•
•
•
Children, in equal shares, or, if none,
For losses resulting from the Insured person being unavoidably exposed
to the elements due to an accident, the benefits will be payable as if
resulting from an Injury. Loss must occur within 365 days of the accident.
The Company will pay the benefit for loss of life if the body of an Insured
Person cannot be located within one year after the forced landing,
stranding, sinking or wrecking of a conveyance in which such person was
a passenger, then it shall have suffered loss of life within the meaning of
the policy
This insurance does not cover losses caused by
1.
Insured emotional trauma, mental or physical illness, pregnancy,
childbirth or abortion, bacterial or viral infection (except for
bacterial infection caused by the accident or by the accidental
consumption of a bacteria-contaminated substance, or any
physiological dysfunction;
2.
Suicide, suicide attempt or self-inflicted wounds;
Perú
3.
War, whether declared or not. War does not include guerilla acts;
Puerto Rico
Chartis Insurance Company – Puerto Rico
Uruguay
Chartis Seguros Uruguay S.A.
Venezuela
C.A. de Seguros American International
Other
countries
New Hampshire Insurance Company
4. Wounds suffered by the insured while traveling in a taxi, or
getting in or out of it.
This is a summary of the exclusions. Complete exclusions are contained
in the policy on file with Visa International.
All coverage described herein is subject to change or cancellation without
notice. This insurance is effective the later of July 1, 1997, the date your
card issuer elected this coverage, or the date of issuance of your card and
will cease on the date the policy is terminated.
This description of coverage is not a contract of insurance and is intended
to be a general informative statement of the coverage made available
by Visa International throughout Latin America and Caribbean Region.
Listed underwriting companies (except those marked with *) are member
companies of Chartis Inc., 70 Pine Street, New York, NY 10005.
Chartis member companies provide security in the form of reinsurance
for any non-member company listed.
If you have question regarding this program, contact the Visa Assistance
Center.
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Travel Accident Insurance
Basic Benefits
If you wish to file a claim, please send the completed form with the
required documentation to the Benefit Administrator to the following
address:
Chartis Inc.
c/o AXA Assistance
Maipú 255 Piso 17
C1084ABE, Buenos Aires, Argentina
If you have questions regarding this program, contact the Claims
Administrator, 24 hours a day, 365 days a year at [email protected]
or call the customer service telephone number on the back of your Visa
card.
Beneficiaries should give notice of the loss within 90 days, or “as soon as
reasonably possible.”
Upon receipt of complete and acceptable proof of loss for a valid claim,
the Company will send payment to the insured within ten (10) business
days.”
Consumer Cards
Benefit Amount
Visa Classic
USD 75,000
Visa Gold
USD 250,000
VISA Platinum
USD 500,000
VTM Platinum Prepaid
USD 500,000
Visa Signature
USD 1,000,000
Visa Infinite
USD 1,500,000
Commercial Cards
Benefit Amount
Visa Business Credit **
USD 250,000
Visa Business Debit **
USD 250,000
Visa Corporate
USD 250,000
Visa Purchasing *
USD 250,000
Visa CTA
USD 100,000
Visa CTA
USD 250,000
*Applicable only for those Purchasing Cards used for Travel Expenses
**Applicable only for Visa Business Credit Packages 3 & 4
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Auto Rental Insurance
Basic Benefits
Visa cardholders with this benefit may obtain the Auto Rental Insurance, if this coverage is
provided by the card issuer, at no additional cost each time they rent an automobile using
their Visa card. The cardholder must decline the Collision Damage Waiver (CDW/LDW) or
similar coverage offered by the auto rental company. Coverage is offered by Chartis Inc.
Eligibility
To be eligible for this insurance coverage the cardholder must:
• Use the Visa card providing this coverage to reserve and pay for the
entire cost of the auto rental.
• All drivers authorized to operate the rental vehicle in accordance
with the rental car agreement are covered.
• The cardholder must use his Visa card to initiate and complete the
auto rental transaction.
• No person other than the cardholder or other authorized drivers
shall have any legal or equitable right, remedy, or claims of
insurance proceeds and/or damages under or arising out of this
coverage.
If the cardholder is unable to decline the auto rental company coverage,
the coverage will be “secondary” to the auto rental company coverage
and will be responsible for any gap between the auto rental company
coverage and the damages for which the cardholder is responsible.
Coverage
The Chartis Auto Rental Insurance covers Visa cardholders up to the
actual cash value of the vehicle, the cost of repairs or replacement value
of the rental vehicle while said vehicle is in the cardholder’s possession.
The following specific costs are included in the policy:
• Damage due to collision.
• Theft of vehicle and related charges.
NOTICE
This document is a summary of the policy and is intended to be distributed in its entirety to cardholders. If an issuer uses excerpts of this
material to distribute to cardholders it does so at its own risk.
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AUTO RENTAL INSURANCE
BASIC BENEFITS
• Malicious vandalism charges.
• Loss due to accidental fire as long as the liability rests with the
• Some minivans designed to transport a maximum of ten
passengers, including the driver, and used exclusively to transport
passengers, such as the Dodge Caravan, Plymouth Voyager and
Chevrolet Lumina.
cardholder.
The following specific costs are not included in the policy [this is a
summary of the exclusions; complete exclusions are contained in the
policy on file with Visa International].
• Any obligation assumed by the cardholder under other agreements.
• Injury to any person or damage to any object that is inside or
outside the rental vehicle.
• Loss or theft of personal belongings.
• Personal Liability.
• Expenses assumed, waived or paid by the auto rental company or
its insurer.
• Jeeps (4 x 4) provided they are not driven outside the government
maintained roads. Some examples of the latter are Jeep Renegade
and Suzuki Samurai.
If the cardholder has any question regarding a specific vehicle, he or she
should call the Claims Administrator.
Rental cars not covered
Rental cars that are not covered include:
• Expensive and exotic cars such as Aston-Martin, Bentley, Bricklin,
Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus,
Maserati, Porsche and Rolls-Royce.
• The cost of the insurance coverage purchased through the auto
rental company.
• The operation and care of the vehicle contrary to the terms of the
auto rental contract.
admission of guilt, being prosecuted or found guilty by a court of
law of being under the influence of drugs or intoxicating substances,
or as a result of illegal activities or smuggling.
• Gradual wear and tear due to normal use or mechanical problems.
• Losses arising from any type of hostility (including war, invasion,
rebellion or insurrection).
• Confiscation by the authorities.
• Vehicles that do not fit the definition of covered vehicles.
• For rental agreements in excess of 31 days there is no coverage after
the 31st day.
What happens if the auto rental company insists that the
cardholder buy its insurance?
The cardholder must ask the auto rental company representative to call
the Claims Administrator toll free at the number assigned to the country,
or collect from any country in the world. The Claims Administrator can
provide a confirmation of coverage. The cardholder can also obtain a
“certificate of coverage” from the issuer prior to travel.
Where and when is coverage effective?
This insurance is effective when the Visa cardholder rents a covered
vehicle and the Visa card issuer provides the coverage. This coverage is
available 24 hours a day and will remain in effect while the vehicle is in
the possession of any of the drivers named in the contract. The coverage
will cease as soon as the rental car is returned to the Auto Rental
Company. Vehicles rented for rental periods of more than 31 days are not
covered after the 31st day.
What type of insurance coverage is provided?
This coverage is “primary” coverage. If the cardholder is unable to decline
the auto rental company coverage, the coverage will be “secondary” to
the auto rental company coverage and will be responsible for any gap
between the auto rental company coverage and the damages for which
the cardholder is responsible.
• Some luxury cars such as BMW and Mercedes Benz.
motor bikes, limousines and recreational vehicles.
Are auto rental reservations arranged through the VISA
Rewards Program covered?
Yes, as long as a valid and verifiable Rental Car Agreement has been
issued to the cardholder, and the entire transaction is charged to the
cardholder’s eligible Visa card to pay for taxes and any other additional
fees. The Visa TravelMoney Platinum Prepaid card does not include this
coverage.
What should the cardholder do in the event of accident or
theft?
• Leases and mini-leases.
Most cars are covered, including:
manufactured in the last 10 years).
• Trucks, pick-up trucks for commercial use, motorcycles, mopeds,
• Losses resulting from intentional acts, or losses arising from
Which vehicles are covered?
• Very old automobiles (over 20 years old, or which were not
If a Visa cardholder is involved in an accident or the rental vehicle is
stolen, he or she should call the Claims Administrator immediately. A
representative will answer any questions the cardholder or the auto
rental company representative may have, and will send the cardholder a
claim form.
The auto rental company might require the cardholder to pay for
damages with his Visa card. If this happens, the insurance company will
reimburse the cardholder directly for the covered amount after the claim
is processed.
The cardholder is required within 30 days after the accident or theft to
notify the Claims Administrator via telephone call. A toll free number or
worldwide collect number is available. Not doing so might result in denial
of the claim.
What does the cardholder need from the auto rental
company in order to submit a claim?
As soon as the accident occurs or the cardholder returns the rental
vehicle, he or she must request the following from the auto rental
company:
• A copy of the Accident Report and a completed claim form
indicating the costs for which the cardholder is liable.
• A copy of the initial and final auto rental agreement (front and
back).
• A copy of the repair estimate and final repair invoice.
• If available, two photographs of the vehicle showing damages.
• For claims including “loss of use” charges by the auto rental
company, a copy of the Daily Utilization Record for the loss period,
if available.
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AUTO RENTAL INSURANCE
BASIC BENEFITS
• A copy of the Police Report (if any).
free number assigned to his country. The Assistance Center operates 24
hours a day, 365 days a year.
How is the claim submitted?
The cardholder must notify the incident to the Claims Administrator no
later than 30 days following the accident or theft.
The cardholder within the time frame stated on the claim form, must fill
out and sign the claim form and submit it accompanied by:
• A copy of the sales receipt showing that the full auto rental was
reserved and paid with the cardholder’s Visa card providing this
coverage.
• All documentation the cardholder receives from the auto rental
company (see the list above under “What does the cardholder need
from the auto rental company in order to submit a claim? section”)
must be sent within the time frame stated on the claim form to:
Claims Administrator
VLAC Auto Rental Insurance Program
Maipú 255 Piso 17
C1084ABE, Buenos Aires, Argentina
After the cardholder reports the damage or theft, the claim will remain
open during a period of 12 months following the date of loss. During that
period, the cardholder must support the claim as required. No payment
will be made until the Claims Administrator has received all necessary
documentation at its offices.
We are empowered to cancel or decline renewal of any Visa cardholder’s
insurance coverage. If we do so, the card issuer will give cardholders at
least 60 days advance notice. If the Insurance Company does not renew
or cancels any coverage provided to Visa cardholders, cardholders will be
notified at least 60 days prior to the date the policy expires. In the event
a substantially similar coverage becomes effective without interruption,
said notice will not be required. The Auto Rental Insurance will continue to
apply to rentals that were effective prior to the date of cancellation or nonrenewal, provided all other terms and conditions of coverage are met.
Complete provisions pertaining to this plan of insurance are contained in
the policy on file with Visa International, Latin America and Caribbean
Region. If a statement in the description of coverage and any provision
in the policy differ, the locally admitted policy issued in the jurisdiction
where your Visa card has been issued will govern. The Plan is
underwritten by:
Country
Company
Argentina
La Meridional Compañía Argentina de Seguros, S.A.
Bolivia
Chartis Chile Compañía de Seguros Generales S.A.
Brasil
Chartis Seguros Brasil S.A.
Chile
Chartis Chile Compañía de Seguros Generales S.A.
Colombia
Chartis Seguros Colombia S.A.
What else should the cardholder do?
Ecuador
AIG Metropolitana Compañía de Seguros y Reaseguros S.A.
In normal circumstances, the claim will be paid within a period of 15
days from the date the Claims Administrator receives all required
documentation. However, as soon as the claim is paid, all rights against
any person in connection with the damage or theft will be transferred to
the Insurance Provider.
El Salvador
Chartis Seguros El Salvador S.A.
Guatemala
Chartis Seguros Guatemala S.A.
Honduras
American Home Assurance Company
Jamaica
American Home Assurance Company
México
Chartis Seguros Mexico, S.A. de C.V.
Panamá
National Union Fire Insurance Company of Pittsburg, PA
Paraguay
Chartis Chile Compañía de Seguros Generales S.A.
Perú
Chartis Chile Compañía de Seguros Generales S.A.
Puerto Rico
Chartis Insurance Company – Puerto Rico
Uruguay
Chartis Seguros Uruguay S.A.
Venezuela
C.A. de Seguros American International
Other
countries
New Hampshire Insurance Company
This means that the Insurance Provider will have the right to file suit on
its own in the cardholder’s name. The cardholder will assist the Insurance
Provider in any way, as reasonably requested by the Insurance Provider,
in order to help the Insurance Provider enforce any rights or recourse the
Insurance Provider may have, including the execution of all documents
required by the Insurance Provider to file suit in the cardholder’s name.
General Program Provisions
The cardholder will do his or her best to avoid or reduce any losses or
damages to the property insured under this program. Please keep in mind
that the Insurance Provider will not apply this provision unreasonably
to avoid a claim. If the cardholder makes any claim knowing it to be
false or fraudulent in any respect, he or she will no longer be entitled to
the benefits of this protection, nor to the payment of any claim made
under this policy. This insurance is subject to the terms and conditions
described and includes certain restrictions, limitations and exclusions.
This description of coverage is not a contract of insurance and is intended
to be a general informative statement of the coverage made available by
Visa International throughout the Latin America and Caribbean Region.
In the event of any discrepancy between the policy and the description of
the program, the policy will govern. This policy is on file at the offices of
Visa International, Latin America and Caribbean Region.
Listed underwriting companies (except those marked with +) are
member companies of Chartis, Inc., 70 Pine Street, New York, NY 10005.
Chartis member companies provide security in the form of reinsurance
for any non-member company listed.
If you need to submit a claim or have questions regarding this program,
contact the Claims Administrator, 24 hours a day, 365 days a year at
[email protected] or call the customer service telephone number on
the back of your Visa card.
If a cardholder needs to submit a claim or has any question regarding
this program, the cardholder should call the Assistance Center at the toll
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AUTO RENTAL INSURANCE
BASIC BENEFITS
Consumer Cards
Coverage Area
Visa Classic*****
US & Canada
Visa Gold
Americas & Caribbean
Visa Platinum
Worldwide**
VTM Platinum Prepaid
Worldwide**
Visa Signature
Worldwide**
Visa Infinite
Worldwide**
Commercial Cards
Coverage Area
Visa Business Credit****
Worldwide**
Visa Business Debit
Worldwide**
Visa Purchasing***
Worldwide**
Visa Corporate
Worldwide**
**Coverage includes country of card issuance, only if allowed by local
regulations
*** Optional Coverage, not a core benefit
**** Applicable only for Visa Business Credit packages 3 and 4.
***** Optional Coverage, not a core benefit. Coverage is limited to
Canada and the 50 states of the United States of America. Rentals in the
U.S. Virgin Islands and Puerto Rico are not covered.
PLEASE NOTE: The benefits described above do not apply to all Latin
American and Caribbean International Visa Cards. Please check with
your bank to verify that the coverage applies to your Visa Card.
SEPTEMBER 2012
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Visa Concierge
The Visa Concierge service is available 24 hours per day, 365 days per year, to help
Cardholders to send gifts, purchase tickets and tours, rent vehicles, make reservations for
theatre plays or provide any other information or assistance that Cardholders may need,
anywhere in the world.
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Visa CONCIERGE
Eligibility: In order to be eligible for the services and benefits described
below, you must be a Visa Cardholder. We encourage you to review the
benefits of you Visa Card with your bank for further details.
The Visa Concierge Service can assist Visa Cardholders
with the following requests:
Travel Information and Arrangements: Visa Concierge can help you
plan your trip from start to finish with anything related to travel such as
airport transfers, hotel reservations and booking, city tours, auto rental,
etc. as well as make recommendations to your itinerary and help you
figure out your best travel options.
Cultural Information. Provides information on local city events and
assist with arrangements for luxury car rental or or any other luxury
transportation.
Specialty Service Referrals. While the Cardholder is planning a trip or
is overseas, we can help by providing referrals to interpreters, dog walkers
and health and fitness facilities.
COST OF THE ASSISTANCE SERVICES PROVIDED
Cardholder will be responsible for all costs and expenses related to
Cardholder’s Concierge request. All expenses will be debited, in some
cases in advance of purchase, to Cardholder’s Visa Card, irrespective of
the success of the search and/or Cardholder’s acceptance of the goods
and/or services arranged on Cardholder’s behalf.
attractions such as concerts, theater and sporting events overseas.
Also provides information on your destination prior to travel including
essential cultural information such as protocol and etiquette.
Concierge specialists will seek Cardholder’s authorization prior to
arranging a service; in some instances written authorization may be required.
Restaurant Referrals and Reservations. Access to a broad network
When goods or services are purchased on Cardholder’s behalf:
of distinctive dining restaurants domestically or while traveling overseas.
If you are looking for that special restaurant with a panoramic view for
a unique dining experience, we can refer you to the proper facility and
assist with reservations when available. We will assist Cardholders with
information on restaurants such as location, type of cuisine, hours of
operation, attire required, pricing range, general menu options, etc.
• Items will be purchased and/or delivered in accordance with
national and international regulations;
• Cardholder is at all times responsible for customs and excise fees
and formalities;
• AXA Assistance recommends that they be insured for mailing and
shipping and accepts no responsibility for any delay, loss, damage
or resulting consequences. AXA Assistance cannot undertake any
request we consider to be:
Entertainment information and arrangements. Assist with
Ticket referrals for opera, ballet, theater, concerts, sporting events
and museums. If information is not enough, we can assist with tickets
arrangements and pre-paid dinning arrangements.
-- for re-sale, professional or commercial purposes;
Business Service Referrals and Arrangements. While the Visa
-- virtually impossible or unfeasible;
Cardholder is traveling, Concierge service can help by providing:
interpretation or referrals to translators, business equipment rental
(computer, cellular phone, etc.), essential cultural information such as
protocol and etiquette.
-- subject to risk e.g. illegal sources;
-- a violation of the privacy of another person;
-- a violation of national and international laws;
Golf Course Referrals and Reservations. Visa Concierge will provide
-- unethical and/or immoral;
information and referrals and tee times to public and semi-private golf
courses in major cities.
-- price-shopping for discounted items.
Leisure Activity Information and Assistance
• Tours and Sightseeing
• Recreational sports information
• Referrals to health and fitness clubs
Gift Referrals and Arrangement Services. We will provide referrals
to and make arrangements for Floral designers, balloons and gifts baskets
and packages can be arranged as well as unique gift ideas specific to
the Card’s needs. Referrals and arrangements can be provided both
domestically or internationally. All costs for arrangements are borne by
the Cardholder.
Hard to Find Items. We will assist the Cardholder with locating hard to
find items such as out of print books, art objects, and specialty items. We
can make arrangements for delivery if chosen items to the destination of
choice of the Cardholder.
Travel arrangements and Luxury transportation. We can provide
bus and Taxi services and train schedules at the Cardholder’s request.
Personal Assistant can also provide Cardholder’s with referrals and
Visa Concierge reserves the right to decline or stop working on a
request at any time and will not be liable for any consequences if the
request involves illegal activity. If a request is declined, we will alert the
Cardholder and endeavor to offer an alternative. Visa Concierge will
endeavor to use at all times providers which are professionally recognized
and in Visa Concierge’s experience reliable; in instances where a
requested service can only be provided by a provider which does not
meet this criteria, Visa Concierge will inform Cardholder of the potential
risks. Should Cardholder nevertheless wish to utilize the services of such
a provider, Visa Concierge accepts no liability whatsoever for the risks
undertaken, consequences arising thereof or the resolution of any dispute
with the service provided.
Visa Concierge service is provided by AXA Assistance USA.
AXA Assistance USA accepts no liability arising from any
provider that does not fulfill his obligations to the Cardholder.
SEPTEMBER 2012
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Visa Luxury Hotel Collection
The Visa Luxury Hotel Collection is comprised of some of the world's most intriguing and
prestigious properties. It offers Visa cardholders the most complete benefits program for the
world’s best hotels. The properties are appraised annually and they provide guests an exclusive,
unique collection of benefits, specially designed to offer an unparalleled experience.
With every booking, Visa Signature, Visa Platinum or Visa Infinite cardholders receive
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The best available rate
Automatic room upgrade upon arrival, when available
Complimentary continental breakfast
3PM check-out, when available
VIP Guest status
$25 food or beverage voucher/credit
Free in-room Internet or Valet parking
Best Rate Guarantee
To ensure that you are getting the best rate, the Visa Luxury Hotel Collection endeavors to
guarantee that the room rates on its web site are the best rates publicly available on the Internet.
Best Available Rate, which is a specific rate type, varies depending on time of purchase, is
unrestricted, non-qualified and excludes discount or negotiated rates not available to the general
public. See terms and conditions for the program.
Exclusive Web Site for Visa Signature, Visa Platinum or Visa Infinite cardholders
Visit http://lac.visaluxuryhotels.com/ for the latest terms and conditions and to discover all the
prestigious hotels.
Hotels are included in the Visa Luxury Hotel Collection by invitation only. Every property is first
visited, inspected and assigned a score by our partner, Kiwi Collection. The exclusive benefits
described here are subject to change.
Please contact your Visa representative for more information.
8-2011
Emergency Medical
Compensation Services
Who is covered?
Length of Coverage
As an International Visa Cardholder, you, your spouse and dependent
children under 23 years of age, will each be covered automatically,
whether traveling together or separately.
Benefits on Covered Trips are limited to trips outside of the Beneficiary’s
Home Country of residence and Country of Card Issuance up to a
maximum of sixty (60) consecutive days. If the Beneficiary is hospitalized
beyond the 60th day of coverage, coverage will be extended until: (a)
Maximum limits are reached or (b) The Beneficiary is release from the
hospital.
To get coverage
If you need a physician or medical provider the VISA Assistance Center
can help you. It is required that you contact the VISA Assistance Center
immediately within thirty (30) days of the emergency medical assistance
occurrence.
What is covered?
Beneficiary has coverage up to a maximum of USD 25,000 worldwide
(EUR€ 30,000 in European countries that are Schengen agreement
participants), per person for the Usual Reasonable and Customary
Charges for Covered Medical Expenses in the event of an emergency
medical assistance which occurs during the course of a Covered Trip
outside of Beneficiary’s Home Country and Country of Card Issuance.
All covered Medical Expenses are in excess of all valid and collectible
insurance. Pre-Existing Conditions are not covered. Treatment must be
received upon the recommendation of a Licensed Medical Practitioner
and provided during the course of your Covered Trip.
When does a Covered Trip begin?
Covered Trip begins automatically when the entire cost of the
Common Carrier Passenger fare has been charged to your eligible Visa
International card and/or has been acquired with points earned by a
Rewards Program associated with your card (i.e., mileage points for
travel). All frequent flyer, rewards and complimentary common carrier
tickets are covered if there are taxes and/or fees associated with the
ticket issuance and they are charged in their entirety to an eligible Visa
card. If there are no taxes or fees, or they are paid with rewards points,
only tickets earned as direct result of charges made with an eligible Visa
Card will be covered. The bank will have to send a letter to guarantee
that the points acquired in the loyalty were generated by the use of the
Visa card covered by the insurance. Coverage is provided regardless of
whether the trip is for one-way or round trip travel.
NOTICE
This document is a summary of the policy and is intended to be distributed in its entirety to cardholders. If an issuer uses excerpts of this
material to distribute to cardholders it does so at its own risk.
SEPTEMBER 2012
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Emergency Medical
Compensation Services
Schengen Countries covered under this agreement
Germany, Austria, Belgium, Denmark, Slovakia, Slovenia, Spain, Estonia,
Finland, France, Greece, Hungary, Iceland, Italy, Latvia, Lithuania,
Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Czech
Republic, Sweden, Switzerland.
consequence of a covered hospitalization due to injury or sickness.
AXA Assistance will pay or reimburse the additional reasonable
customary hotel room charges only in the case that the Beneficiary
has been hospitalized five (5) consecutive days or more.
• Emergency Family Travel: USD 5,000 maximum if the
Cardholder is hospitalized for more than five days, following a
covered hospitalization, while traveling alone on a covered trip, AXA
Assistance USA will arrange and cover the cost for a round-trip
economy airfare for one (1) one family member or other person
designated by the cardholder to travel to the cardholders bedside.
Other expenses incurred by the family member or other such
person are not covered. The maximum will not exceed the amount
of USD 5,000 per 12 month period.
Key Features
• Trips are covered worldwide outside of Beneficiary’s Home Country
and Country of Card Issuance.
• Trips are covered up to a maximum of sixty (60) consecutive days.
• Medical Expense coverage up to a maximum benefit amount of
USD 25,000 per person.
• No limitation on the number of trips.
• Schengen Coverage: When a Beneficiary travels to any country that
• Unaccompanied Dependent Minor Children or Elderly:
up to a maximum of USD 5,000 to cover the cost of an economy
air ticket to send unaccompanied dependent minor children or an
elderly travel companion back home or the cost of a person who
will accompany the dependent minor children or the elderly travel
companion during the trip home in the event the Beneficiary is
hospitalized in a foreign country for over five (5) days during a trip
that was paid with the International Visa card.
has signed and implemented the
• 1985 Schengen Aquis (Agreement) on a Covered Trip, the
maximum medical expense benefit will be automatically increased
to up to EUR€ 30,000, in those countries.
The Visa International Cardholder will also be eligible to
receive the following services worldwide:
• Emergency Dental Treatment: up to a maximum of USD 1,000
to cover the cost of an Emergency Dental Treatment, meaning
accidental injury to sound, natural teeth, which requires immediate
treatment for the temporary relief of acute pain and suffering.
• Emergency Medical Evacuation: up to a maximum of USD 50,000 to cover expenses incurred during the course of
a Covered Trip if the emergency medical assistance results in
a necessary Emergency Medical Evacuation, in case adequate
medical facilities are not locally available in the event of an accident
or illness. The VISA Assistance Center will arrange and pay the
Reasonable and Customary Charges for an Emergency Medical
Evacuation to the nearest facility capable of providing adequate
care.
• Prescription Expenses: up to a maximum of USD 1,000 to cover
out-of-pocket prescription expenses relating to a covered illness or
covered accident.
• Legal Fees: up to a maximum of USD 1,000 to cover legal fees if
a Beneficiary incurs during the course of a Covered Trip, as a result
of false arrest or wrongful detention by any government or foreign
power.
• Repatriation of Remains: up to a maximum of USD 25,000 for
the Reasonable and Customary Charges, In the unfortunate event
of the death of a Beneficiary during a Covered Trip, VISA Assistance
Center will arrange for the necessary government authorizations
and pay for the transportation costs of the remains and the required
necessary container to return the mortal remains to the home
country. Cremation and funeral costs are excluded.
• Early Return: up to a maximum of USD 5,000 to cover the cost
of any additional charges that an airline may apply for changing a
return ticket in case of an early return home due to the unexpected
death, serious injury, or sickness of cardholder, Beneficiary’s
traveling companion or Immediate Family Member. In case of a non
refundable ticket with no possibility of changes, this benefit will be
paid up to the maximum benefit amount to cover the purchase of an
economy ticket. VISA Assistance Center must coordinate and make
all the necessary arrangements to bring the Beneficiary back home.
• Trip Interruption: up to a maximum of USD 500 to cover for
loss of travel and/or accommodation expenses for the unused,
non-refundable pre-paid expenses paid by the Beneficiary, less
the value of applied credit from the unused return travel ticket to
return home, if prior to the date of return, the Beneficiary’s Covered
Trip is interrupted due to: Unexpected Death, Emergency Medical
Assistance of the Beneficiary, Beneficiary’s traveling companion or
Beneficiary’s Immediate Family Member.
• Convalescence Care: up to a maximum of USD 750 (USD 150 per day) to cover the cost of a hotel room when AXA
Assistance has deemed necessary the required convalescence as a
What do I do if I need emergency medical assistance
while on a Covered Trip?
It is required that you contact the VISA Assistance Center immediately
within thirty (30) days of the emergency medical assistance occurrence.
If you need a physician or medical provider the VISA Assistance Center
can help you.
Do I have to pay all medical expenses?
Visa’s emergency medical assistance is a cashless service. That means
if you call the VISA Assistance Center first, we will take care of the
coordination of the services rendered and also directly cover all covered
medical expenses allowing you to avoid paying for the medical expenses
covered by this benefit and filing for reimbursement. In case you choose
not to use the VISA Assistance Center, you must contact a Licensed
Medical Practitioner or a licensed and accredited hospital facility, pay for
services rendered, and submit covered medical bills to the Visa Claims
Center for reimbursement. See how to file a claim.
What is included in the Covered Medical Expenses?
The expenses that will be covered are those that you incur during
the course of a Covered Trip for services and supplies which are
recommended by the attending Licensed Medical Practitioner. They
include the following:
• The services of a Physician.
• Hospital Confinement and use of operating room.
SEPTEMBER 2012
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Emergency Medical
Compensation Services
• Anesthetics (including administration), x-ray examinations or
10. Any dental or orthodontic treatment which is not related to an
treatments, and laboratory tests.
accidental injury.
• Ambulance service and drugs, medicines, and therapeutic services
and supplies
11. Examinations or diagnostic tests which are part of a routine
physical exam; scheduled treatment, including but not limited
to: vaccinations, routine eye and ear exams, optometry and
correction of vision, eyeglasses, contact lenses, hearing aids, or
any maintenance or adjustment of these, dentures, the purchase
or rental of humidifiers, atomizers, walkers or canes, inhalers,
exercise equipment or similar equipment.
• Dental treatment resulting from injuries sustained to sound natural
teeth subject to a maximum USD 1000.
Which hospitals are covered?
The hospitals covered are those which: (a) hold a valid license (if required
by law); (b) operate primarily for the care and treatment of sick or injured
persons; (c) have a staff of one or more physicians available at all times;
(d) provide 24-hour nursing service and have at least one registered
professional nurse on duty at all times; (e) have organized diagnostic
and surgical facilities, either on premises or in facilities available to the
hospital on a pre-arranged basis; and (f) is not, except incidentally, a
clinic, nursing home, rest home, or convalescent home for the aged, or a
facility operated as a drug and/or alcohol treatment center.
12. Plastic and cosmetic surgery except for re-constructive surgery
What is considered Emergency Medical Assistance?
16. Any treatment that is not related to an accident or a sudden and
An illness or injury during a Covered Trip which impedes its completion,
for which medical treatment is sought, and for which services are
payable according to the terms and conditions of this description of these
benefits.
What is NOT Covered?
resulting from a covered accident or illness.
13. Organ transplants or the transportation thereof.
14. Foot treatments, including but not limited to corns, calluses, flat feet,
weak arches, congenital deformations, and any type of shoe insert.
15. Treatment of sexual dysfunction or insufficiencies. Services or
provisions related to male or female sterilization. Services or
provisions related to birth control.
acute medical emergency which occurred while the Beneficiary
was traveling.
17. Any service or provision received which is related to weight
control or the treatment of obesity, whether in the form of diet,
liquid injection, medication, or surgery of any kind.
18. 18. Treatment of any illness, accidental injury, or expenses
resulting, directly or indirectly, from the Beneficiary involvement
in wars, revolutions, civil upheavals, conspiracies, riots, public
disturbances, or any illegal or criminal activity by the Beneficiary
as a principal, accessory, or in any other role, including but not
limited to physical fights initiated by the Beneficiary.
Limitations and Exclusions
1.
Any chronic illness or medical pre-existing conditions, or its
consequences or related consequences, and/or any relapses or
periods of convalescence.
2.
Any disease or illness resulting from travel during a period of time
when a treating doctor has advised the patient not to travel, or
occurring during the overseas treatment of a pre-existing illness.
3.
Treatment, complications, or side effects resulting from the ingestion
of drugs for mental or nervous conditions. Treatment of mental
illness or nervous disorders. Consultation and treatment ordered by
a psychiatric doctor. Illness, injuries and expenses resulting from the
use of narcotics, drugs, or non-prescription medication. Treatment
for alcoholism or drug addiction, and any complication arising from
these conditions, including but not limited to alcoholism and drug
addiction treatment services or programs.
4. Any complication due to pregnancy, childbirth, or abortion,
19. Other hotel, restaurant, or taxi expenses.
20. Any treatment and/or medical expenses incurred after the
termination of the Beneficiary’s Covered Trip, regardless of
any relation they have to accidental injuries or illness which
manifested themselves or were diagnosed while the Beneficiary
was traveling.
21. Work related illness or its consequences.
22. Any treatment or service which is not specifically stated as a
benefit under this program.
23. Circumstances resulting from or in any way related to force
majeure, such as strikes, acts of sabotage, civil or international
wars, revolts, terrorism, etc.
including those occurring during the first trimester of pregnancy.
5.
Treatment of any self inflicted-illness or injury such as: suicide or
attempted suicide, and any consequences thereof, while sane or
insane.
24. Medical record fees are excluded.
25. Cremation and funeral costs are excluded.
26. Travel undertaken for the specific purpose of securing medical
6. Being under the influence of drugs or intoxicants, unless
treatment.
prescribed by a licensed physician.
7.
Treatment of and/or complications due to Human Immune
Deficiency Virus (HIV) or Acquired Immune Deficiency
Syndrome (AIDS) and AIDS Related Complex (ARC). Treatment
of sexually transmitted diseases.
27. Treatment of accidental injuries or illness resulting from the
8. Chiropractic treatment; homeopathic treatment; acupuncture;
occupational therapy; physical therapy.
9.
Any treatment or service provided by rehabilitative treatment
institutions or centers, geriatric care institutions or centers, and
institutions which are not hospitals, including but not limited to
thermal baths, spas, and hydro-therapy clinics.
SEPTEMBER 2012
practice of a professional sport, or any sport which could be
life-threatening to the covered person, whether it be due to
irresponsibility, lack of knowledge, or lack of experience on the part
of the covered person, including but not limited to: hang-gliding,
skydiving, parasailing, whitewater rafting, driving unlicensed
off-road vehicles, mountain climbing, equestrian sports, winter
sports if not practiced within resorts and under normal security
conditions, auto racing and motorcycle racing and any other type
of racing other than on foot, and underwater activities
3
Emergency Medical
Compensation Services
Key Terms and Definitions (General)
1.
Expense benefit will be up to 30,000 Euros, in those countries
Beneficiary: means an International Visa Card® (issued by a
Visa Latin America or Caribbean Region) cardholder or other
eligible person(s) who are defined as being eligible under the
program’s “Who Is Covered” provision in this guide.
2.
unanticipated and urgent requiring immediate medical or surgical
evaluation or treatment for the relief of acute pain and suffering
12. Pre-Existing Conditions: means a condition occurring
during the one hundred and eighty (180) day period prior to
(the individual effective date of coverage (included) for which
treatment by a Licensed Medical Practitioner has been sought
or advised or for which symptoms exist which would cause a
prudent person to seek diagnosis, care, or treatment.
Rewards Program: means a program developed/offered by
an International Visa Card and your Bank Issuer, allowing you
to earn value (mileage points, cash, etc.) and redeem rewards
(merchandise, travel, etc.) on your eligible Visa Rewards Program
or any frequent flyer rewards or complimentary tickets for which
taxes, and fees were assessed at the time of the issuance of the
ticket charged to an International Visa card.
3.
11. Medical Emergency: a medical condition, which is sudden,
13. Cashless: meanspayments for all covered Medical Expenses
and Emergency Medical Evacuations can be completed on a
“Cashless” basis if the VISA Assistance Center is notified at
the point of service, which means VISA Assistance Center can
contact the Hospital or clinic directly and process payment
without the need for any disbursement from the cardholder.
Valid International Visa Card®: means (1) Your International
Visa card account must be open, valid and in good standing for
any benefits, coverage or services to apply; and (2) Benefits
will not be paid and coverage will not apply if; on the date of an
accident, occurrence or incident that causes or results in a loss
covered under any plan of coverage, your Visa card account is not
open, valid, in good standing; or is in delinquency, collection, or
cancellation statuss
14. Emergency Medical Evacuation: means if any Injury or
Sickness commencing during the course of a Covered Trip while
traveling outside of Beneficiary’s Home Country of residence and
Country of Card Issuance if results in the necessary Emergency
Medical Evacuation of the Beneficiary, AXA Assistance USA will
provide coverage for expenses incurred.
4. Reasonable and Customary Charges: means you will be
covered for treatment, supplies and medical services, which are
medically necessary, provided they do not exceed the usual and
customary level of charges for similar treatment, supplies or
medical services in the locality where treatment is provided.
5.
Covered Trip: means a trip anywhere (outside of the
Beneficiary’s Home Country of residence and Country of
Card Issuance) a) where the Beneficiary’s full Common
Carrier Passenger fare has been charged to an active and
valid International Visa Card issued by a Visa Latin America
or Caribbean Region b) a frequent flyer, rewards ticket or
complimentary ticket associated with the Visa Latin America
and Caribbean Region, Platinum Visa Rewards Program. All
applicable charges, taxes or fees, must be charged to an eligible
Visa card. Coverage will only apply to the first sixty (60) days
of the trip.
15. Repatriation of Remains: means if the Beneficiary suffers a
loss of life while traveling outside his or her Home Country and
Country of Card Issuance, benefits are provided for reasonable
expenses to preserve and return the body home.
16. Licensed Medical Practitioner: means a doctor of medicine
or a doctor of osteopathy licensed to render medical services
or perform surgery in accordance with the laws of the country
where such professional services are performed. However,
such definition will exclude chiropractors, physiotherapists,
homeopaths and naturopaths.
17. VISA Assistance Center, this program and benefits
administrated by:
AXA Assistance USA, Inc.
122 South Michigan Ave. Suite 1100
Chicago, IL. 60603
6. Home Country: means the country where a Beneficiary
has his/her true, fixed and permanent home and principal
establishment, and to which he/she has the intention of
returning.
7.
AXA Assistance USA is subsidiary in the U.S. of AXA Assistance S.A.
central office in 12bis, Boulevard des Frères Voisin 92798 Issy-LesMoulineaux Cedex 9, Paris, Francia
Country of Card Issuance: means the country in Latin
America and Caribbean where a Beneficiary had his/her VISA
card issued by a Bank.
8. Common Carrier: means an aircraft operated by a scheduled
airline registered in the OAG (Official Airline Guide) or ABC
World Airways licensed to carry passengers for hire on a
regularly scheduled flight, or a maritime or land conveyance
operated by a licensed carrier duly authorized to transport
passengers.
9.
Covered Accident: means a sudden, unforeseen,
uncontrollable and unexpected physical event to the Beneficiary
caused by external, violent and visible means occurring during a
Covered Trip.
10. Schengen Coverage: means when a Beneficiary travels to any
country that has signed and implemented the 1985 Schengen
Aquis (Agreement) on a Covered Trip, the maximum Medical
What if the severity of the Emergency Medical
Assistance results in death or requires the need for
Emergency Evacuation?
In the unfortunate event of the death of a Beneficiary during a
Covered Trip, VISA Assistance Center will arrange for the necessary
authorizations and pay for the transportation costs of the remains and
the required necessary container for up to a maximum of USD 25,000 to
return the mortal remains to the Home Country of residence. Cremation
and funeral costs are excluded.
If a Licensed Medical Practitioner certifies that the severity or the
nature of the Illness or injury warrants Emergency Evacuation, and the
evacuation is approved and ordered by the VISA Assistance Center in
consultation with the attending physician, you will be covered up to USD 50,000 each for the expenses incurred for the evacuation during the
course of a Covered Trip.
SEPTEMBER 2012
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Emergency Medical
Compensation Services
Do I need pre-approval for Emergency Medical
Evacuation?
Submission Period: No later than Ninety (90) days from the date of
Yes, the evacuation must be approved and ordered by the VISA
Assistance Center in consultation with the attending Licensed Medical
Practitioner who certifies that the severity or the nature of the Illness or
injury warrants Emergency Evacuation. You must obtain VISA Assistance
Center’s pre-approval and/or the VISA Assistance Center must make all
medical transportation arrangements.
Required documents are as follows:
Claim Notification.
Do I need pre-approval in the case of Repatriation of
Remains?
• A copy of your customer statement and Common Carrier Ticket,
as proof that the entire travel fare was purchased with your valid
International Visa Card.
• A copy of any bill(s) incurred from your Medical Provider(s)
• A copy of documentation for any other valid and applicable
insurance
• A copy of all applicable medical reports including the name and
Yes, It is required that the VISA Assistance Center make all repatriation
arrangements.
address of the medical facility and any attending physicians.
• A completed VISA Assistance Medical Claim Form.
• For repatriation a certified copy of the death certificate and bills for
services rendered.
Do I need pre-approval for early return?
Yes, before using the early return benefit you must obtain VISA
Assistance Center’s pre-approval and the VISA Assistance Center must
make all transportation arrangements.
Please submit all of the above required scanned documentation to the
VISA Assistance Claims Center at [email protected] or if
you prefer send the information via courier to the address below:
AXA Assistance USA, Inc.
122 S. Michigan Ave. Suite 1100
Chicago, IL. 60603
What conditions are necessary for Emergency Medical
Evacuation coverage?
Your medical condition must warrant immediate transportation from
the place where you are injured or sick to the nearest hospital where
appropriate medical treatment can be obtained; or/and If after being
treated at a local hospital, your medical condition warrants transportation
to the nearest qualified medical facility, or to Beneficiary’s Home Country
of residence to obtain further medical treatment, or to recover.
What kind of transportation will be provided in the case
of an Emergency Medical Evacuation?
Any land, water or air conveyance required to transport you during an
Emergency Evacuation will be provided. Special transportation includes,
but is not limited to, air ambulances, land ambulances and private motor
vehicles.
How do I obtain a certificate of coverage in order to
obtain a visa for the European countries participants in
the Schengen treaty?
You must call the VISA Assistance Center in order to request your
certificate. This certificate will be issued by fax or email with no
additional cost for you.
Do I need pre-approval for early return?
Yes, before using the early return benefit you must obtain VISA
Assistance Center’s pre-approval and the VISA Assistance Center must
make all transportation arrangements.
How do I file a claim?
You must call and notify the VISA Assistance Center within thirty (30)
days following the date of the occurrence or Emergency incident on your
Covered Trip. The representative will gladly answer any questions and
send you a Claim Form. If the VISA Assistance Center is not contacted
within thirty (30) days, your claim may be denied. The completed Claim
Form together with all pertaining documents must be returned to the
VISA Assistance Center within 90 days of the date of the occurrence, not
doing so will result in the denial of your claim.
Claim Notification Period: Within thirty (30) days from the date of
occurrence.
Account and Billing Information: Important: Contact your cardissuing financial institution directly for questions concerning your
account, such as account balance, credit line, billing inquiries (including
transaction exchange rates), merchant disputes, or information about
additional services not described in this Guide. Your financial institution’s
phone number should be available on your monthly billing statement.
Please keep in mind the General Program Provisions…
All indemnified assistance services described herein are subject to
change or cancellation without notice. This Assistance is effective the
later of July 1, 2002, the date your bank elected this coverage, or the
date of issuance of your card and will cease on that date the indemnified
assistance plan isterminated.
This description of the indemnified assistance is not a contract of
insurance and is intended to be a general informative statement of the
indemnified assistance services made available by Visa Inc. throughout
Latin America and Caribbean Region. In some instances, according to the
Indemnified assistance contract the laws in the jurisdiction where your
local Visa Card has been issued, the US Dollar benefit amounts shown
will be converted to equivalent local currency and certain details of
coverage may differ from what is outlined in this document.
Complete provisions pertaining to this plan of service are contained in
the indemnified assistance services contract on file with Visa Inc., Latin
America and Caribbean Region, Miami, Florida. If a statement in the
description of the indemnified assistance services and description of the
indemnified assistance services contract differ, the local requirements
pertaining to indemnified assistance programs in the jurisdiction where
your International Visa Card has been issued will govern. The Plan is
administrated by:AXA Assistance USA Inc.
If you have questions regarding this program, call the VISA Assistance
Center, 24 hours a day, 365 days a year.
PLEASE NOTE: The benefits described in this document do not apply to
all Latin American and Caribbean International Visa Cards. Please check
with your bank to verify that the coverage applies to your International
Visa Card.
SEPTEMBER 2012
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