Common carrier trip cancellation/ trip interruption

Trip Cancellation / Trip Interruption Terms and Conditions:

The Trip Cancellation and Trip Interruption benefit provides reimbursement for Eligible Travel Expenses charged to the UBS Visa Infinite Cardholder’s Account up to ten thousand ($10,000.00) dollars per Covered Person and up to twenty thousand ($20,000.00) dollars per Trip, if a loss results in cancellation or interruption of the travel arrangements.

This benefit is payable on an excess basis over and above any amount due from any other valid or collectible insurance or any other form of reimbursement payable by those responsible for the loss.

Who is eligible for the benefit?

The UBS Visa Infinite cardholder and Immediate Family Members are covered when the Cardholder’s name is embossed on an eligible Account issued in the United States, and the Cardholder charges all or a portion of a Trip to his or her covered Account and/or Rewards programs associated with the covered Account. Immediate Family Members do not need to be traveling with the Cardholder for benefits to apply.

If You are eligible for insurance under multiple Accounts, You will only be insured under the Account which provides the largest benefit amount for the loss that occurred.

When does coverage begin?

For Trip Cancellation:

Coverage begins on the initial deposit or booking date of the Trip and ends at the point and time of departure on Your Scheduled Departure Date.

For Trip Interruption:

Coverage begins on Your Scheduled Departure Date and ends on Your Scheduled Return Date.

In the event the Scheduled Departure Date and/or the Scheduled Return Date are delayed, or the point and time of departure and/or point and time of return are changed because of circumstances over which neither the Travel Supplier nor You have control, the term of coverage shall be automatically adjusted in accordance with Your or the Travel Supplier’s notice to Us of the delay or change.

What Are the Eligible Travel Expenses Covered?

Eligible Travel Expenses are Non-Refundable prepaid travel expenses charged by a Travel Supplier. Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator. Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package).

For Trip Interruption only:

Eligible Travel Expenses include Change Fees and costs to return a rental vehicle to the closest rental agency or Your personal vehicle to Your closest leased or owned residence. The benefit also reimburses ground transportation expenses up to two hundred fifty ($250.00) dollars to directly transport You for necessary medical treatment, to the airport, terminal or station of departure, and/or between the arrival airport, terminal or station and Your residence. This does not include transportation in vehicles operated by a medical facility or specifically designed to transport sick or injured individuals.

If You are forced to temporarily postpone a Trip due to a loss and a new departure date is set, We will reimburse for the prepaid unused Non-Refundable land, air, and/or sea arrangements.

What if You Paid for Your Trip Using Redeemable Rewards?

In the event of a loss, Rewards redeemed for travel will be reimbursed in an amount equal to their monetary value. If the monetary value of the redemption does not appear on the Trip itinerary or redemption confirmation issued by the Travel Supplier, We will reimburse each point redeemed at a rate of $.01 per reward unit. Redeposit fees imposed by a Rewards program administrator are also eligible for reimbursement.

What Losses Are Covered?

The Trip Cancellation and Trip Interruption benefit covers a broad array of ‘what-ifs’ that can impact travel plans, reimbursing if:

• Accidental Bodily Injury, Loss of Life, or Sickness experienced by You or Your Traveling Companion which prevents You or Your Traveling Companion from traveling on the Trip
• Accidental Bodily Injury, Loss of Life, or Sickness experienced by an Immediate Family Member of You or Your Traveling Companion when the Accidental Bodily Injury or Sickness is considered life threatening, requires hospitalization, or such Immediate Family Member requires care by You or Your Traveling Companion
• Severe Weather, which prevents a reasonable and prudent person from beginning or continuing on a Trip and occurs: 1) at the point of origin of the Trip prior to departure; or 2) in the path between Your place of permanent residence and the point of origin of the Trip prior to departure; or 3) within fifty (50) miles of the airport, terminal, station, booked lodging, and/or Host at Destination location listed on Your travel itinerary; and which: A) impacts a reasonable and prudent person’s ability to: (a) safely travel to the departure point of a Common Carrier on which You are scheduled to travel; or (b) safely remain at a booked Provider of Lodging, or a Host at Destination location listed on Your travel itinerary; or B) causes the cessation of operation of a Common Carrier for which You are scheduled to travel provided that such cessation of operation causes You to: (a) miss at least 20% of the scheduled duration of the Trip; or (b) miss the departure of a prepaid cruise, or tour (booked through a Tour Operator) that You are scheduled to take; or C) causes a Provider of Lodging with which You booked accommodations to cease normal operations
• Named Storm Warning
• Change in military orders for You or Your Spouse
• A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
• You or Your Traveling Companion’s place of permanent residence being made uninhabitable, being burglarized, or damaged by fire or flood
• You or Your Traveling Companion’s lodging accommodations at the destination of the Trip being made uninhabitable
• The death or hospitalization of You or Your Traveling Companion’s Host at Destination
• Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons
• An organized strike affecting public transportation which causes You or Your Traveling Companion to a) miss at least 20% of the scheduled duration of the Trip; or b) miss the departure of a prepaid cruise, or tour (booked through a Tour Operator) that You are scheduled to take.

The following losses are specific to Trip Cancellation:

• Terrorist Incident within twenty-five (25) miles of You or Your Traveling Companion’s place of permanent residence within thirty (30) days of Your Scheduled Departure Date; or a Terrorist Incident within twenty-five (25) miles of an airport, booked lodging, and/or Host at Destination location listed on the itinerary within thirty (30) days of the scheduled arrival
• A Travel Warning due to terrorism issued by the branch of the United States Government with jurisdiction to issue such warning for the immediate vicinity of You or Your Traveling Companion’s place of permanent residence within ten (10) days of the Scheduled Departure Date; or a Travel Warning due to terrorism issued by the United States Department of State or other branch of the United States Government with jurisdiction to issue such warning for a geographic area within twenty-five (25) miles of an airport, booked lodging, and/or Host at Destination location that is in effect within thirty (30) days immediately preceding the Scheduled Departure Date
• The following losses are specific to Trip Interruption:
• Terrorist Incident within twenty-five (25) miles of an airport, booked lodging, and/or Host at Destination location listed on Your itinerary while on a Trip
• Travel Warning due to terrorism issued by the United States Department of State or other branch of the United States Government with jurisdiction to issue such warning for a geographic area within twenty-five (25) miles of an airport, booked lodging, and/or Host at Destination location that is issued during Your or Your Traveling Companion’s Trip

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

Please pay special attention to the below Trip Cancellation and Trip Interruption terms and conditions:

If You suffer a loss causing Trip Cancellation or Trip Interruption, You must immediately notify the appropriate Travel Supplier of such cancellation. If such notification by You does not occur and failure to notify the Travel Supplier results in the surrender of Non-Refundable Eligible Travel Expenses, that would have otherwise been refundable had You notified the Travel Supplier, no benefit shall be payable. If a loss prevents You from providing the notification, the benefit may still apply.

• No coverage will be provided for a Trip that is scheduled to last longer than sixty (60) days. If a Trip exceeds sixty (60) days in duration, We will only reimburse the pro-rated portion of any Non-Refundable pre-paid Eligible Travel Expenses up to the first sixty (60) days of the Trip.
• In no event will We pay more than the benefit amount. Payment is also limited to the Maximum Benefit Amount per Trip.
• The Travel Supplier’s cancellation provisions in effect at the time the Travel Supplier is notified of a cancellation
• In the event that Your Trip Cancellation or Trip Interruption results in a credit for future travel, accommodations, or other consideration being issued by the Travel Supplier, no benefits shall be payable for that portion of the Eligible Travel Expenses which such credit represents until such credit expires.
• No benefit will be paid for any Eligible Travel Expense unless a portion of such Eligible Travel Expense has been charged to the Account.
• We will not reimburse additional transportation expenses incurred by You other than those described above. This includes the difference in cost between the original fare or any new fare to return home or rejoin the Trip.

What’s Not Covered?

The Trip Cancellation and Trip Interruption benefit does not apply to any loss caused by or resulting from, directly or indirectly:

• A change in plans, financial circumstances, and any business or contractual obligations of You or Your Traveling Companion and his or her Immediate Family Members
• A Pre-existing Condition or any other event that occurs or commences prior to the initial deposit date or booking date of the Trip
• Any loss due to the voluntary surrender of unused vouchers, tickets, credits, coupons, or travel privileges available to You from the Travel Supplier prior to their expiration date
• Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization
• Any loss for any Trip booked while on a waiting list for specified medical treatment
• Any loss for any Trip that is booked for the purpose of obtaining medical treatment
• Disinclination to travel due to civil unrest
• Failure of You or Your Traveling Companion to obtain necessary visas, passports, or other documents required for travel, including documents required by a Common Carrier or country such as a vaccine passport
• Your commission or attempted commission of any illegal act, including any felony
• Your suicide, attempted suicide, or intentionally self-inflicted injury
• You being under the influence of any narcotic, legal recreational marijuana, or other controlled substance at the time of a loss (except if the narcotic or other controlled substance is taken and used as prescribed by a Physician)
• efault of the Common Carrier resulting from Financial Insolvency or Financial Insolvency of a Travel Agency, Tour Operator, or Travel Supplier (Please contact Disputes or the number on the back of your credit card if your trip has been canceled due to Financial Insolvency)
• War, undeclared War, civil War, insurrection, rebellion, revolution, warlike acts by a military force or personnel, , the destruction or seizure of property for a military purpose. Discharge of a nuclear weapon will be deemed a warlike act even if accidental.

For Trip Cancellation only:

• Trips booked to any area known to be associated with Terrorist Activity

For Trip Interruption only:

• Travel arrangements canceled or changed by a Travel Supplier unless the cancellation is the result of Severe Weather or an organized strike affecting public transportation, or unless specifically covered herein
• Any Terrorist Incident or Travel Warning that occurred within twenty-five (25) miles of Your or Your Traveling Companion’s place of permanent residence within thirty (30) days prior to the initial deposit date or booking date of the Trip
• A Terrorist Incident within twenty-five (25) miles of an airport, booked lodging, and/or Host at Destination location listed on Your itinerary within thirty (30) days of Your initial deposit date or booking date of the Trip

What is the Maximum Benefit Amount?

If more than one person insured under the same Account suffers a loss for the same Trip, the Company will not pay more than:

If the Cardholder charges multiple travel expenses for a Trip, each Covered Person is eligible for benefits, subject to these maximums. If a loss results in total payable benefit amounts that exceed the applicable Maximum Benefit Amount per Trip, benefits will be divided proportionally, based on applicable amounts owed to all Covered Persons.

How Do You File a Claim?

Within twenty (20) days of the Trip Cancellation or Trip Interruption or as soon as reasonably possible, contact the Benefit Administrator at 855-830-3723. The Benefit Administrator will ask You for some preliminary information and send You the appropriate claim forms. Failure to give notice within twenty (20) days will not invalidate or reduce any otherwise valid claim, if notice is given as soon as reasonably possible.

For faster filing, to check the status of the claim and securely upload documents visit www.myclaimsagent.com/cbs

What Documents Will You Need to Provide to the Benefit Administrator?

The Benefit Administrator will provide the details, but generally You should be prepared to send:

• Completed and signed claim form
• Travel itinerary
• Documentation confirming the reason for Trip Cancellation or Interruption (e.g., medical documents, death certificate, etc.)
• Account statement (showing the last four (4) digits of the Account number) reflecting the charge for prepaid travel arrangements (for Trip Cancellation), and proof of expenses incurred (for Trip Interruption)
• If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
• Copies of the cancellation or refund policies of providers involved in the trip, such as the Common Carrier, Tour Operator, or Travel Supplier
• Proof of expenses incurred due to a Trip Interruption

Return the completed and signed claim form and requested documentation to the Benefit Administrator within ninety (90) days or as soon as reasonably possible (but no later than one (1) year after the ninety (90) day deadline).

Definitions

Account means Your credit or debit card Accounts.

Accident or Accidental - a sudden, unforeseen, and unexpected event which a) happens by chance; b) arises from a source external to You; c) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; d) occurs while You are insured under the benefit while it is in effect; and e) is the direct cause of loss

Accidental Bodily Injury - bodily injury, which a) is Accidental; b) is the direct cause of a loss; and c) occurs while the Cardholder is insured under this policy, which is in effect; Accidental Bodily Injury does not include conditions caused by repetitive motion injuries or cumulative trauma not a result of an Accident, including, but not limited to Osgood-Schlatter’s Disease, bursitis, Chondromalacia, shin splints, stress fractures, tendinitis, and Carpal Tunnel Syndrome

Appropriate Authority – the U.S. State Department or other U.S. governmental authority with jurisdiction to issue travel advice

Cardholder - an individual to whom a Credit Card Account has been issued by UBS Bank USA, N.A. and/or its affiliates

Change Fees (Trip Interruption only) - any fee imposed by a Travel Supplier to change the date and/or time of prescheduled travel arrangements of a Trip that has not been cancelled; Change Fees do not include a change in Common Carrier fare, Provider of Lodging occupancy rate, or new Common Carrier fares

Common Carrier - any commercially licensed motorized land, water, or air conveyance, operated by an organization other than UBS Bank USA and/or its affiliates, organized and licensed for the transportation of passengers for hire, and operated by an employee or an individual under contract; Common Carrier does not include Cruise Lines, however Cruise Lines are an eligible expense for reimbursement

Company - Federal Insurance Company

Covered Person - the Cardholder and the Cardholder’s Immediate Family Members

Cruise Line - a company that maintains a fleet of cruise ships and markets cruises to the public

Domestic Partner - a person designated by You who is registered as a Domestic Partner or legal equivalent under the laws of the governing jurisdiction or who is at least eighteen (18) years of age and competent to enter into a contract; is not related to You by blood; has exclusively lived with You for at least twelve (12) consecutive months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has at least two (2) of the following financial arrangements with You: a joint mortgage or lease, a joint bank Account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint credit card Account with a financial institution; neither You nor Your Domestic Partner can be married to, nor in a civil union with, anyone else

Event Ticket - written evidence permitting admission to an event that is scheduled to take place while You are insured under this policy and at a destination other than Your primary residence; the name of the event, the date on which the event is to take place, and the event venue must be clearly indicated on the ticket

Financial Insolvency - the inability of an entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations

Host at Destination - a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence

Immediate Family Member means an individual with any of the following relationships to the Cardholder: Spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners or Spouses of any individual of this definition. Immediate Family Member also includes legal guardians or wards

Insured Person - the Cardholder

Loss of Life - death, including clinical death, as determined by the local governing medical authority authorities where such death occurs within three hundred sixty-five (365) days after an Accident

Named Storm Warning - a warning issued by a meteorological society with jurisdiction to issue such warning, during dates of Your scheduled travel, for a named storm that is occurring or is imminently expected to occur within fifty (50) miles of the airport, terminal, or station You are scheduled to depart from or arrive to, or Your booked Provider of Lodging, and/or Host at Destination; a Named Storm Warning does not include a government’s declaration of a state of emergency in absence of a storm warning issued by a meteorological society with jurisdiction to issue such warning, or a Named Storm Watch

Named Storm Watch - a statement from a meteorological society with jurisdiction to issue such watch saying there is the potential for Severe Weather to occur during dates of Your scheduled travel for an area within fifty (50) miles of the airport, terminal, or station You are scheduled to depart from or arrive to, or Your booked Provider of Lodging, and/or Host at Destination; a Named Storm Watch does not mean that Severe Weather is imminent; a Named Storm Watch only means that based on the meteorological society’s projected course for the storm, it is possible

Non-Refundable - money (or Rewards) prepaid by the Cardholder or the Cardholder’s Spouse or Domestic Partner through use of a covered Account for a Covered Trip:

• which will be forfeited under the terms of the agreement made with the Travel Supplier for unused travel arrangements; and
• for which the Travel Supplier will not provide any other form of compensation; or
• for which the Rewards administrator will not provide reimbursement of Rewards

Physician - a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided; Physician does not include You, Your Traveling Companion, or Your or Your Traveling Companion’s Immediate Family Member, Your or Your Traveling Companion’s employer or business partner, or an Immediate Family Member of Your or Your Traveling Companion’s employer or business partner, a massage therapist, a physical therapist, or anyone employed by UBS Bank USA and/or its affiliates

Pre-existing Condition - illness, disease or accidental injury of You or Your Traveling Companion, Your Immediate Family Member or the Immediate Family Member of Your Traveling Companion, for which medical advice, diagnosis, care or treatment was recommended or received within the sixty (60) day period immediately prior to the initial deposit or booking date (whichever occurs first) of a Trip; the taking of prescription drugs or medication for a controlled condition throughout this sixty (60) day period will not be considered to be a treatment of illness or disease; additionally, regular antenatal care, through twenty-six (26) weeks gestation, provided it is a single, uncomplicated pregnancy which does not arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilization, is not considered to be a treatment of illness or disease

Provider of Lodging - a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non-commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period; such contract must: a) be facilitated by a licensed rental agent, licensed attorney, or website specifically designed for the purpose of matching those offering short term rental properties with renters, b) specifically outline cancellation provisions, and c) not have a contract period greater than sixty (60) days; this sixty (60) day limitation shall include: a) the initial term of the contract as well as any subsequent extension of the initial contract, and/or b) any new contract entered into by You to rent the same property listed on the initial written contract which is incepted within the thirty (30) days immediately following the initial contract’s expiration date; direct transactions with owners of property or time shares not facilitated by a licensed rental agent, licensed attorney, or website specifically designed for the purpose of matching those offering short term rental properties with renters are not included regardless of whether a contract is executed

Quarantine – You or Your Traveling Companion is forced into medical isolation by a recognized government authority, their authorized deputies, or medical examiners due to You or Your Traveling Companion either having, or being suspected of having, a contagious disease, infection, or contamination

Rented Recreational Vehicle Provider - a commercial rental company licensed under the laws of the applicable jurisdiction and whose primary business is renting watercraft, bareboat chartered boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow mobiles or any other motorized vehicle used for recreational purposes, unless stated otherwise or an exclusion applies

Rewards - points, miles, cash Rewards, or any other type of redeemable Rewards, as well as any redeposit fees charged by a Rewards administrator, provided that all Rewards have been accumulated by the Cardholder through use of UBS Bank USA and/or its affiliates sponsored Rewards program

Scheduled Departure Date - the date on which You are originally scheduled to leave on the Trip

Scheduled Return Date - the date on which You are originally scheduled to return to the point of origin or to a different final destination

Severe Weather - any dangerous meteorological phenomena with the potential to cause major damage, serious social disruption, or loss of human life; wildfire related smog at the point of origin of the Trip or within the vicinity of an airport, booked lodging, and/or Host at Destination location listed on Your travel itinerary for which a health advisory has been issued by the appropriate government agency with jurisdiction to issue such advisory shall also be considered Severe Weather

Sickness - an illness or disease which requires the attendance of a Physician

Spouse - Your husband or wife who is recognized as such by the laws of the jurisdiction in which You reside; Spouse includes Domestic Partners or Covered Persons joined by Civil Unions where applicable by law

Terrorist Activity - multiple Terrorist Incidents or Travel Warnings related to terrorism that have occurred within the twelve (12) months prior to the initial deposit date or booking date of a Trip located within twenty-five (25) miles of an airport, booked lodging, and/or Host at Destination location listed on Your itinerary

Terrorist Cell - a small unit serving or identifying as part of a larger terrorist organization where the members coordinate for a specific attack against a government or civilian population

Terrorist Incident - the use or intended use of any bomb, nuclear, biological, or chemical agent dangerous to human life; or any violent act of a single individual resulting in mass casualties; or any violent act of a Terrorist Cell resulting in mass casualties; the terrorist act must be intended to intimidate or coerce a civilian population; to influence the policy of a government by intimidation or coercion; or to affect the conduct of a government by mass destruction

Tour Operator - an entity which organizes travel components into packaged arrangements for sale directly to the travelling public

Travel Agency - an entity with which travel arrangements were made and purchased by the Cardholder

Travel Supplier - a Travel Agency, or Tour Operator, or Provider of Lodging, or rental car agency, or, or commercial recreational excursion provider, Cruise Line, airline, railroad, or other Common Carriers.

Travel Warning - a warning, issued by an Appropriate Authority, that travel is not advisable due to an imminent, credible, and specific terrorist threat; Travel Warning does not include general travel advisories in the absence of an imminent, credible, and specific terrorist threat

Traveling Companion - an individual who has made advanced arrangements with You to travel together for all or part of the Trip

Trip - any travel booked through a Travel Supplier for which:

• any portion of the cost has been charged to the Cardholder’s Account issued by UBS Bank USA and/or its affiliates; or
• any portion of the cost has been paid for with redeemable Rewards that were accumulated by the Cardholder from a Rewards program sponsored by UBS Financial Services Inc. and/or its affiliates while the insurance is in effect
• and is for a time period that doesn’t exceed sixty (60) days in duration; Note: If a Trip exceeds sixty (60) days in duration, You will be reimbursed the pro-rated portion of any Non-Refundable pre-paid Eligible Travel Expenses up to the first sixty (60) days of the Trip

Trip Cancellation - the cancellation of travel arrangements due to a loss when You are prevented from traveling on a Trip on or before the Scheduled Departure Date of the Trip

Trip Interruption - the interruption of Your Trip either on the way to the point of departure or after departure of the Trip; Trip Interruption also means any change to the date and time of pre-scheduled un-canceled travel arrangements

War - hostilities following a formal declaration of War by a governmental authority; in the absence of a formal declaration of War by a governmental authority, armed, open and continuous hostilities between two (2) countries or armed, open and continuous hostilities between two (2) factions, each in control of territory or claiming jurisdiction over the geographic area of hostility

We, Us and Our - Federal Insurance Company

You or Your – the Covered Person

Additional Provisions

• We have a right to examine under oath, as often as We may reasonably require, You or Your authorized representative, if applicable. We may also require You or Your authorized representative to provide a signed description of the circumstances surrounding the loss and Your interest in the loss. You or Your authorized representative will also produce all records and documents requested by Us and will permit Us to make copies of such records or documents.
• In the event of a claim under this policy, You or Your authorized representative, if applicable, must fully cooperate with Us in Our handling of the claim, including, but not limited to, the timely submission of all medical and other reports. If We are sued in connection with a claim under this policy, then You or Your authorized representative must fully cooperate with Us in the handling of such suit You or Your authorized representative must not, except at Your own expense, voluntarily make any payment or assume any obligation in connection with any suit without Our prior written consent.
• Signed or pinned transactions are covered as long as You use Your eligible Account to secure the transaction.
• You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
• If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
• No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives proof of loss. No legal action against the Provider may be brought more than three (3) years after the time for giving proof of loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
• This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
• Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance.
• After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
• This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
• This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed 106

by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself.

Policy 9912-3753

FORM #TCTI CON10k (07/24)