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Capital One Signature Guide to Benets
BR418609 M-135766
Your Guide To Card Benets
Visa Signature® Card
Your Guide to Benets describes the benets in eect as of 10/1/2022. Benet
information in this guide replaces any prior benet information you may have
received. Please read and retain for your records. Your eligibility is determined by
your nancial institution.
For questions about your account, balance or rewards points, please call the
customer service number on the back of your credit card.
Table of Contents
Benets at a Glance ..................................................................................................................1
Extended Warranty Protection .......................................................................................... 1-3
Purchase Security ......................................................................................................................3-4
Visa Signature Concierge .....................................................................................................4
Travel and Emergency Assistance Services ............................................................... 4-5
Roadside Dispatch® ..................................................................................................................5
Auto Rental Collision Damage Waiver ..........................................................................5-7
Lost Luggage Reimbursement ........................................................................................ 7-9
Worldwide Automatic Travel Accident Insurance .....................................................9
ID Navigator Powered by NortonLifeLock
TM
.............................................................10
Benet Contact Information ...............................................................................................11
Benets at a Glance
With Visa Signature®, you can enjoy the strength, recognition and acceptance
of the Visa® brand—with special perks and benets in addition to the rewards
you already earn. You’ll enjoy access to dozens of everyday benets, once-in-a-
lifetime travel and entertainment experiences. Plus, complimentary 24-hour Visa
Signature® Concierge.
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Certain restrictions and limitations apply. Benets vary at select
Sonoma County wineries and are subject to change at any time.
Go to www.visa.com/signaturefood for full details.
For more details, go to www.visa.com/signature.
P
lease retain this guide for the future. It describes in detail some of the
important perks and benets available to you, and will help you enjoy your
Visa Signature card.
PRESENTING YOUR VISA SIGNATURE PERKS AND BENEFITS
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Certain restrictions, limitations and exclusions apply.
•
Extended Warranty Protection – Get double the time period of the
original manufacturer’s written U.S. repair warranty up to one (1) full
year—on eligible warranties of three (3) years or less—when you purchase
an eligible item with your covered Visa Signature card. You can also enjoy
convenient features like warranty registration. Register your purchases at
1-844-288-2140 or www.cardbenetservices.com.
• Purchase Security – Replaces, repairs or reimburses you for eligible items
of personal property up to $500 per claim for ninety (90) days from the
date of purchase due to covered reasons. Learn more or le a claim at
1-844-288-2140 or www.cardbenetservices.com.
• Visa Signature Concierge – Count on your 24/7 Visa Signature® Concierge
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Capital One Visa Signature cardholders are responsible for the payment of any
and all charges associated with any goods, services, reservations or bookings
purchased or arranged by the Visa Signature Concierge on cardholders’ behalf.
Any such purchases or arrangements are solely between the cardholder
and the respective merchant, and Visa is not a party to the transaction. All
goods and services subject to availability. See full terms of service at
www.visasignatureconcierge.com.
f
or assistance booking travel, making dinner reservations, nding event
tickets and more. Contact your Visa Signature Concierge anytime at
1-888-315-6932.
• Travel and Emergency Assistance Services – Get assistance by trained
agents in coordinating medical, legal and travel services you may need while
you’re away from home. Simply call 1-800-825-4062 toll-free, 24/7. Outside the
U.S., call collect at 1-804-965-8071.
• Roadside Dispatch®
– Get convenient 24/7 towing, jump start, locksmith
services and more in the United States and Canada. For roadside assistance, call
1-800-847-2869.
• Auto Rental Collision Damage Waiver – Receive coverage, at no additional
cost, for damage due to collision or theft of an eligible rented automobile. Just
charge your entire rental transaction to your covered Visa Signature card and
decline the rental company’s collision damage waiver. To report an incident, or
learn more, call 1-800-825-4062 toll-free, 24/7. Outside the U.S., call collect at
1-804-965-8071.
• Lost Luggage Reimbursement – Get reimbursed up to $3,000 for your
checked luggage or carry-on baggage and their contents in the event of
theft or misdirection by the common carrier when you pay for your common
carrier fare with your covered Visa Signature card. To report lost luggage, or
learn more, call 1-800-825-4062 toll-free, 24/7. Outside the U.S., call collect at
1-804-965-8071.
• Worldwide Automatic Travel Accident Insurance – Receive coverage for
common carrier accidental death or dismemberment, at no extra cost, when
you charge your entire travel fare to your eligible Visa Signature card. To le a
claim, or learn more, call 1-855-307-9248 toll-free.
• ID Navigator Powered by NortonLifeLock
TM
– Provides you with the
tools to help keep you informed of potential threats to your identity,
so you can act quickly should the unexpected happen. To enroll, visit
www.cardbenetidprotect.com.
Extended Warranty Protection
Product warranties can be inconvenient and cumbersome to use. Let’s say You
purchased a great gadget about a year ago, but it just stopped working, and
You can’t nd Your sales receipt and warranty information. For all too common
situations like these, Extended Warranty Protection can help.
Extended Warranty Protection provides You with valuable features that help You
manage, use and extend the warranties for eligible items purchased on Your
covered Account and/or rewards program associated with Your covered Account.
Services include Warranty Registration and Extended Protection. You are eligible
for this benet if You are a cardholder of an eligible card issued in the United
States and You purchase either a portion or the entire cost of the item using Your
Account and/or rewards program associated with Your covered Account.
Here’s how Warranty Registration works
When You purchase an eligible item that carries a manufacturer’s warranty,
You can register Your purchase by calling 1-844-288-2140. You can also register
Your purchase online at www.cardbenetservices.com.
The Benet Administrator will tell You where to send Your item’s sales receipt and
warranty information, so they can be kept on le should You need them.
If You choose not to register Your item, be sure to keep Your monthly billing
statement reecting the purchase, the itemized sales receipt, the original
manufacturer’s written U.S. warranty and any additional warranty in a safe place.
These documents will be required to verify Your claim.
Here’s how Extended Protection works
Your warranty coverage can be doubled up to one (1) additional year on eligible
warranties of three (3) years or less. For example, a manufacturer’s warranty
of three (3) months would be provided with an additional three (3) months of
coverage for a combined total of six (6) months of coverage, and a warranty
for six (6) months would be provided with an additional six (6) months of
coverage for a combined total of twelve (12) months of coverage. However, if
the manufacturer’s warranty is for three (3) years, it would only be extended
one (1) additional year for a combined total of four (4) years of coverage.
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This benet is limited to no more than the original price of the purchased item
(as shown on Your credit card receipt), less shipping and handling fees, up to
a maximum of ten thousand dollars ($10,000.00) per claim, and fty thousand
dollars ($50,000.00) per cardholder. The benet covers purchases made
both inside and outside the U.S. The eligible item must have a valid original
manufacturer’s U.S. repair warranty of three (3) years or less, store-purchased
dealer warranty or an assembler warranty.
What Extended Protection does not cover
• Boats, automobiles, aircraft and any other motorized vehicles and their motors,
equipment or accessories, including trailers and other items that can be towed
by or attached to any motorized vehicle
• Any costs other than those specically covered under the terms of the
original manufacturer’s written U.S. repair warranty, as supplied by the original
manufacturer, or other eligible warranty
• Items purchased for resale, professional or commercial use
• Real estate and items that are intended to become part of real estate including,
but not limited to, items that are hard-wired or hard-plumbed, garage doors,
garage door openers and ceiling fans
• Rented or leased items
• Computer software
• Medical equipment
• Used or pre-owned items (Refurbished items will be covered as long as it has a
warranty with it and would not be considered used or pre-owned)
• Losses caused by or resulting from a Cyber Incident
Filing an Extended Protection claim
To le a claim, call the Benet Administrator at 1-844-288-2140 immediately
after the failure of Your covered item. Please note if You do not notify the
Benet Administrator within sixty (60) days of product failure, Your claim
may be denied.
The Benet Administrator will request preliminary claim information, direct You
to the appropriate repair facility and send You the claim form. Gift recipients of
eligible items are also covered, but they must provide all the documents needed
to substantiate their claim.
If You received or purchased a service contract or an extended warranty
when You purchased Your item, this benet will be supplemental to, and in
excess of, that coverage.
What You must submit to le a claim
Fill out and sign the claim form the Benet Administrator sent You, then
submit the form within ninety (90) days of the product failure, along with the
following documents:
• A copy of Your monthly billing statement (showing the last four (4) digits of
the Account number) demonstrating that the purchase was made on Your
eligible Account and/or rewards program associated with Your covered
Account
• If more than one method of payment was used, please provide
documentation as to additional currency, voucher, points or any other
payment method utilized
• A copy of the itemized sales receipt
• A copy of the original manufacturer’s written U.S. warranty, and any other
applicable warranty
• A description of the item and its serial number, and any other documentation
deemed necessary to substantiate Your claim (this includes bills and, if necessary,
a copy of the maintenance record and receipts)
• The original repair estimate or repair bill, indicating cause of failure
• Any other documentation deemed necessary by the Benet Administrator to
substantiate the claim
All claims must be fully substantiated.
For faster ling, or to learn more about Extended Warranty Protection,
visit www.cardbenetservices.com
How will I be reimbursed?
If You have substantiated Your claim and met the terms and conditions of the
benet, Your item will be replaced or repaired at the Benet Administrator’s
discretion, but for no more than the original purchase price of the covered item,
as recorded on Your credit card receipt, less shipping and handling fees, up to a
maximum of ten thousand dollars ($10,000.00) per claim, and a maximum of fty
thousand dollars ($50,000.00) per cardholder. You will only be reimbursed up to
the amount charged to Your Account or the program limit, whichever is less.
Under normal circumstances, reimbursement will occur within ve (5) business
days of the receipt and approval of all required documents.
If Your item is to be repaired, You may go to an authorized repair facility and
le a claim for reimbursement. Only valid and reasonable repairs made at the
manufacturer’s authorized repair facility are covered.
In either case, the Benet Administrator’s payment, replacement or repair made
in good faith will fulll the obligation under this benet.
Denitions
Account means Your credit or debit card Accounts.
Computer Programs means a set of related electronic instructions which direct
the operations and functions of a computer or device connected to it, which
enable the computer or device to receive, process, store, retrieve or send data.
Cyber Incident means any of the following acts: unauthorized access to or
use of Your Digital Data or a Covered Purchase; alteration, corruption, damage,
reduction in functionality, manipulation, misappropriation, theft, deletion,
erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
transmission or introduction of a computer virus or harmful code, including
ransomware, into or directed against Your Digital Data or Covered Purchase;
restriction or inhibition of access to or directed against Your Digital Data or
Covered Purchase; computer errors, including human operating error or
omission; power failure, surge, or diminution of electronic systems; or
mistakes in legitimate electronic code or damage from code installed on a
Covered Purchase during the manufacturing process, upgrade process, or
normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds,
instructions, or Computer Programs stored as or on, created or used on, or
transmitted to or from computer software (including systems and applications
software), on hard or oppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with
electronically controlled equipment. Digital Data shall include the capacity of
a Covered Purchase to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their purchase by using
their eligible Account and/or rewards program associated with their covered
Account.
You or Your means an Eligible Person who purchases their item with their
eligible Account and/or rewards program associated with their covered
Account.
Additional provisions for Extended Protection
• 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
benet. 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 benet may be canceled. 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 two (2) years after the time for giving Proof
of Loss. Further, no legal action may be brought against the Provider unless all
the terms of the Guide to Benets have been complied with fully.
• This benet is provided to eligible cardholders at no additional cost. The
terms and conditions contained in this Guide to Benets may be modied by
subsequent endorsements. Modications to the terms and conditions may be
provided via additional Guide to Benets mailings, statement inserts, statement
messages or electronic notication. The benets described in this Guide will
not apply to cardholders whose Accounts have been suspended or canceled.
• Termination dates may vary by nancial institutions. Your nancial institution
can cancel or non-renew the benets for cardholders, and if they do, they will
notify You at least thirty (30) days in advance. Indemnity Insurance Company
of North America (“Provider”) is the underwriter of these benets and is solely
responsible for its administration and claims. The Benet Administrator provides
services on behalf of the Provider.
• After the Benet Administrator has paid Your claim, all Your rights and remedies
against any party in respect of this claim will be transferred to the Benet
Administrator to the extent of the payment made to You. You must give the
Benet Administrator all assistance as may reasonably be required to secure all
rights and remedies.
Capital One Signature Guide to Benets
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• This benet does not apply to the extent that trade or economic sanctions or
other laws or regulations prohibit the provision of insurance, including, but not
limited to, the payment of claims.
For more information about the benet described in this guide, call the
Benet Administrator at 1-844-288-2140.
FORM #EWP 10K-50K-3YR – 2021 (04/21) WM-O
Purchase Security
Life is full of surprises…some good surprises, and some, not so good. For
instance, Your son’s brand new tablet got soaked in a sudden rainstorm at
summer camp. But, You bought the item with Your card, so You may be covered.
Purchase Security protects new retail purchases made with Your eligible
Account and/or rewards programs associated with Your covered Account
within the rst ninety (90) days from the date of purchase. To be eligible for
this coverage, You need to purchase either a portion or the entire cost of the
item using Your Account and/or rewards program associated with Your covered
Account.
At the Benet Administrator’s discretion, this benet replaces, repairs or reimburses
You up to the total purchase price of Your item for a maximum of ve hundred
dollars ($500.00) per claim and fty thousand dollars ($50,000.00) per cardholder, in
the event of theft, damage due to re, vandalism or accidentally discharged water or
certain weather conditions.
You are eligible for this benet if You are a cardholder of an eligible card issued
in the United States.
Gifts purchased for friends and family members may also be covered if they are
purchased with Your covered Account and/or rewards program associated with
Your covered Account.
Purchase Security covers
Eligible items of personal property purchased with Your card and/or rewards
program associated with Your covered Account are covered for damage due to
the following:
• Fire, smoke, lightning, explosion, riot or vandalism
• Windstorm, hail, rain, sleet or snow
• Aircraft, spacecraft or other vehicles
• Accidental discharge of water or steam from household plumbing
• Sudden accidental damage from electric current
• Theft (except from cars or motorized vehicles)
Purchases made outside the United States are also covered as long as You
purchased the item with Your covered Account and/or rewards program
associated with Your covered Account.
Purchase Security does not cover
• Animals and living plants
• Antiques or collectible items
• Boats, aircraft, automobiles and any other motorized vehicles and their motors,
equipment or accessories, including trailers and other items towable or
attachable to any motorized vehicle
• Broken items, unless the result of a covered occurrence
• Computer software
• Items damaged as a result of weather other than lightning, wind, hail, rain, sleet
or snow
• Items purchased for resale, either professional or commercial use
• Items stolen from cars or other vehicles or common carriers
• Items that are lost, or that “mysteriously disappear,” meaning they vanished in
an unexplained manner, with no evidence of wrongdoing by one person or
several
• Items under the control and care of a common carrier (including the U.S. Postal
Service, airplanes or a delivery service)
• Items in Your baggage (unless hand-carried, or under Your supervision or that
of a companion You know); includes jewelry and watches, among other things
• Theft or damage stemming from abuse, fraud, hostilities (war, invasion,
rebellion, insurrection, terrorist activities and more); conscation by authorities
(if contraband or illegal); normal wear and tear; ood, earthquake, radioactive
contamination; damage from inherent product defects
• Theft or damage from misdelivery, or voluntarily parting with property
• Medical equipment
• Perishable or consumable items, including cosmetics, perfumes, rechargeable
batteries, among others
• Real estate and items intended for real estate, including hard-wired and hard-
plumbed items, garage doors and openers, ceiling fans, among other items
• Rented and leased items
• Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable
purchased instruments
• Items used or pre-owned (Refurbished items will not be considered used or
pre-owned as long as accompanied by a warranty)
• Losses caused by or resulting from a Cyber Incident
Filing a Purchase Security claim
Call the Benet Administrator at 1-844-288-2140, within sixty (60) days
of the damage or theft (if You wait longer, coverage may be denied). The
Benet Administrator will ask for some preliminary claim information, answer Your
questions and send You a claim form. When You submit Your claim, be sure to
include all information regarding Your claim including the time, place, cause and
the amount to either replace or repair the item.
If You have insurance (homeowner’s, renter’s, car, employer or any other), You are
required to le a claim with Your insurance company and to submit a copy of
any claim settlement from Your insurance company along with Your claim form.
Purchase Security provides coverage on an “excess” coverage basis, meaning it
does not duplicate coverage, but pays for a loss only after valid and collectible
insurance or indemnity (including, but not limited to, homeowner’s, renter’s,
automobile or employer’s insurance policies) has been exhausted. At that point,
Purchase Security will cover the loss up to the amount charged to Your eligible
Account, subject to the terms, exclusions and limits of liability of the benet.
This benet also pays for the outstanding deductible portion of Your insurance
or indemnity for eligible claims. The maximum total limit of liability is up to
ve hundred dollars ($500.00) per claim occurrence and fty thousand dollars
($50,000.00) per cardholder. You will receive no more than the purchase price as
recorded on the eligible card receipt.
When a protected item is part of a pair or set, You will receive no more than the
value (as described above) of the particular part or parts, stolen or damaged,
regardless of any special value that item may have as part of such pair or set,
and no more than the proportionate part of an aggregate purchase price of
such pair or set.
For faster ling, or to learn more about Purchase Security,
visit www.cardbenetservices.com
Gift recipients may le their own claims, if they have the necessary
substantiating documents.
Please submit the following documents:
• Your signed and completed claim form
• A copy of Your monthly billing statement (showing the last four (4) digits of the
Account number) demonstrating that the purchase was made on Your eligible
Account and/or rewards program associated with Your covered Account
• If more than one method of payment was used, please provide documentation
as to additional currency, voucher, points or any other payment method
utilized
• A copy of the itemized store receipt demonstrating that the purchase was
made on Your eligible Account and/or rewards program associated with Your
covered Account
• A copy of the documentation of any other settlement of the loss (if applicable)
• If the item is repairable, the estimate of repair OR a copy of the paid receipt/
invoice for the repairs, indicating the type of damage to the claimed item (if
applicable)
• A copy of the police report (made within forty-eight (48) hours of the
occurrence in the case of theft), re report or incident report to substantiate
the loss. If the loss was not reported, please provide a replacement receipt or
other sucient proof of loss deemed eligible solely by Your Benets Specialist
(if applicable)
• Any other documents necessary to substantiate Your claim
In some cases of damage, You will be asked to send, at Your expense, the
damaged item along with Your claim in order to substantiate the claim, so make
sure to keep the damaged item in Your possession.
PLEASE NOTE: Your maximum recovery under the Purchase Security Benet is
the purchase price of the item, not to exceed the coverage limit.
Please return Your signed and completed form with all documentation
within ninety (90) days of the date of theft or damage.
How will I be reimbursed?
Once You’ve met the conditions of this benet, the Benet Administrator will
resolve Your claim in one of two ways:
• A damaged item may be repaired, rebuilt or replaced, while a stolen item will be
replaced. Typically, You will receive notice about this decision within fteen (15)
days upon receipt of Your claim documentation.
Capital One Signature Guide to Benets
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• You may receive payment to replace Your item, an amount not more than
the original purchase price, less shipping and handling charges, up to ve
hundred dollars ($500.00) per claim and fty thousand dollars ($50,000.00) per
cardholder. You will only be reimbursed up to the dollar amount to replace
or repair the item or the program limit, whichever is less. Under normal
circumstances, reimbursement will take place within ve (5) business days.
Denitions
Account means Your credit or debit card Accounts.
Computer Programs means a set of related electronic instructions which direct
the operations and functions of a computer or device connected to it, which
enable the computer or device to receive, process, store, retrieve or send data.
Cyber Incident means any of the following acts: unauthorized access to or
use of Your Digital Data or Covered Purchase; alteration, corruption, damage,
reduction in functionality, manipulation, misappropriation, theft, deletion,
erasure, loss of use or destruction of Your Digital Data or Covered Purchase;
transmission or introduction of a computer virus or harmful code, including
ransomware, into or directed against Your Digital Data or Covered Purchase;
restriction or inhibition of access to or directed against Your Digital Data or
Covered Purchase; computer errors, including human operating error or
omission; power failure, surge, or diminution of electronic systems; or
mistakes in legitimate electronic code or damage from code installed on a
Covered Purchase during the manufacturing process, upgrade process, or
normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds,
instructions, or Computer Programs stored as or on, created or used on, or
transmitted to or from computer software (including systems and applications
software), on hard or oppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with
electronically controlled equipment. Digital Data shall include the capacity of
a Covered Purchase to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their purchase by using
their eligible Account and/or rewards program associated with their covered
Account.
You or Your means an Eligible Person who used their eligible Account to
purchase the item and/or rewards program associated with their covered
Account.
Additional provisions for Purchase Security
• 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
benet. 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 benet may be canceled. 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 two (2) years after the time for giving Proof of Loss. Further,
no legal action may be brought against the Provider unless all the terms of the
Guide to Benets have been complied with fully.
• This benet is provided to eligible cardholders at no additional cost. The terms and
conditions contained in this Guide to Benets may be modied by subsequent
endorsements. Modications to the terms and conditions may be provided via
additional Guide to Benets mailings, statement inserts, statement messages or
electronic notication. The benets described in this Guide to Benets will not
apply to cardholders whose Accounts have been suspended or canceled.
• Termination dates may vary by nancial institutions. Your nancial institution can
cancel or non-renew the benets for cardholders, and if they do, they will notify
You at least thirty (30) days in advance. Indemnity Insurance Company of North
America (“Provider”) is the underwriter of these benets and is solely responsible
for its administration and claims. The Benet Administrator provides services on
behalf of the Provider.
• After the Benet Administrator has paid Your claim, all Your rights and remedies
against any party in respect of this claim will be transferred to the Benet
Administrator to the extent of the payment made to You. You must give the
Benet Administrator all assistance as may reasonably be required to secure all
rights and remedies.
• This benet does not apply to the extent that trade or economic sanctions or
other laws or regulations prohibit the provision of insurance, including, but not
lim
i
t
ed to, the payment of claims.
For more information about the benet described in this guide, call
the Benet Administrator at 1-844-288-2140.
FORM #PURCHASE500 – 2021 (04/21) PS-O
Visa Signature Concierge
Concierge*
* Certain restrictions and limitations apply. The costs for goods or services
purchased through Concierge Services are the cardholder’s responsibility.
Services oer you information and recommendations 24x7x365 on
valuable travel and entertainment services while you are home or away. Below
are services available to you:
Travel Information and Assistance
• Flight, hotel and car rental reservations
• Pre-trip information for major destinations:
• International currency, exchange rates, ATM locations, visa/passport
requirements, local weather and much more
• Local sites/attractions, exhibitions, festivals, museums, holiday and other
tourist information in the area where you are traveling
Entertainment Planning
• Provide assistance in obtaining tickets to musicals, plays, concerts, ballets,
operas, museums, sporting events, etc.
• Oer tickets to sold-out events at higher-than-market value pricing through
relationships with trusted secondary market vendors
• Make reservations or provide tee time information on golf courses and/or
resorts. You can also receive detailed information about the requested course
such as name, address, number of holes, golf pro name, etc.
• Provide information on leisure tours, tennis courts, health and tness clubs,
shopping location information while traveling and more
Dining
• Access and make reservations through relationships with restaurants
• Provide assistance with restaurant reservations or booking reservations on your
behalf
Business Services
• Locate and arrange for business equipment rentals and meeting facilities
Specialty Services
• Provide information on and make arrangements for oral or gift basket delivery
• Undertake specialty research and specialty shopping requests by utilizing all
available resources
The following services are not provided by Concierge Services:
• Extensive planning services, such as assistance in wedding planning, is not
available; however, the concierge can assist by locating a wedding planner for
you.
• Local errand-running services or local personal services such as babysitting;
however, the concierge can provide professional recommendations (excluding
medical recommendations). Professional recommendations would normally be
for services that have a signicant local presence and can demonstrate they are
licensed and insured (for example, for maid cleaning services, a corporate entity
such as Merry Maids® would be recommended rather than a local person).
• Services that are illegal, unethical or immoral.
To learn more about Concierge Services, contact us at
1-888-315-6932, or call collect outside the U.S. at
1-312-884-8490.
Travel and Emergency Assistance Services
Emergencies can escalate quickly when You are traveling away from home.
Something that is relatively straightforward when You are not traveling, like
replacing prescription medication, can be a dicult task when You are dealing
with local laws or language barriers.
Travel and Emergency Assistance Services are made available to help You in
case of an emergency while You are traveling away from home. The Benet
Administrator can connect You with the appropriate local emergency and
assistance resources available, 24 hours a day, 365 days a year.
Capital One Signature Guide to Benets
5
Please note that due to occasional issues such as distance, location or time,
neither the Benet Administrator nor its service providers can be responsible
for the availability, use, cost or results of any medical, legal, transportation or
other services.
What are Travel and Emergency Assistance Services and how do I use
these services when I need them?
Travel and Emergency Assistance Services are made available to You, if You are
a cardholder of an eligible card issued in the United States. Your spouse and
children (dependents under 22 years old) are also eligible to use these services.
Travel and Emergency Assistance Services provide assistance and referral only.
You are responsible for the cost of any actual medical, legal, transportation,
cash advance, or other services or goods provided.
To use the services, simply call the toll-free, 24-hour
Benet Administrator line at 1-800-825-4062. If You are
outside the United States, call collect at 1-804-965-8071.
What are the specic services and how can they help me?
• Emergency Message Service – can record and relay emergency
messages for travelers or their immediate family members. The Benet
Administrator will use reasonable eorts to relay emergency messages
in accordance with benet guidelines and limitations, but cannot take
responsibility for the failure to transmit any message successfully. All costs
are Your responsibility.
• Medical Referral Assistance – provides medical referral, monitoring and
follow-up. The Benet Administrator can give You names of local English-speaking
doctors, dentists and hospitals; assign a doctor to consult by phone with local
medical personnel, if necessary, to monitor Your condition; keep in contact
with Your family, and provide continuing liaison; and help You arrange medical
payments from Your personal account. All costs are Your responsibility.
• Legal Referral Assistance – can arrange contact with English-speaking attorneys
and U.S. embassies and consulates if You’re detained by local authorities, have a
car accident or need legal assistance. In addition, the Benet Administrator can
coordinate bail payment from Your personal account. The Benet Administrator
can also follow up to make sure bail has been properly handled. All costs are Your
responsibility.
• Emergency Transportation Assistance – can help You make all the necessary
arrangements for emergency transportation home or to the nearest medical
facility. This includes arranging to bring Your young children home and helping
You stay in contact with family members or employers during the emergency. In
the case of a death, the Benet Administrator can make arrangements to repatriate
the remains. All costs are Your responsibility.
• Emergency Ticket Replacement – helps You through Your carrier’s lost ticket
reimbursement process and assists in the delivery of a replacement ticket to You,
should You lose Your ticket. All costs are Your responsibility.
• Lost Luggage Locator Service – helps You through the Common Carrier’s claim
procedures or can arrange shipment of replacement items if an airline or Common
Carrier loses Your checked luggage. You are responsible for the cost of any
replacement items shipped to You.
• Emergency Translation Services – provides telephone assistance in all major
languages and helps nd local interpreters, if available, when You need more
extensive assistance. All costs are Your responsibility.
• Prescription Assistance and Valuable Document Delivery
Arrangements – can help You ll or replace prescriptions, subject to local laws,
and can arrange pickup and delivery of Your prescriptions lled for You at local
pharmacies. It can also help transport critical documents that You may have left at
Your home or elsewhere. All costs are Your responsibility.
• Pre-Trip Assistance – can give You information on Your destination before You
leave, such as ATM locations, currency exchange rates, weather reports, health
precautions, necessary immunizations and required passport visas.
Denitions
Common Carrier means any mode of transportation by land, water or air
operating for hire under a license to carry passengers for which a ticket must be
purchased prior to travel. Does not include taxi, limousine service, commuter
rail or commuter bus lines.
You or Your means an eligible person whose name is embossed on an eligible
U.S.-issued card, and You reside in the United States.
Additional Provisions for Travel and Emergency Assistance Services
This benet is provided to eligible cardholders at no additional cost. The
terms and conditions contained in this Guide to Benets may be modied by
subsequent endorsements. Modications to the terms and conditions may be
provided via additional Guide to Benets mailings, statement inserts, statement
messages or electronic notication. The benets described in this Guide to
Benets will not apply to cardholders whose accounts have been suspended or
canceled.
For more information about the benet described in this guide, call
the Benet Administrator at 1-800-825-4062, or call collect outside
the U.S. at 1-804-965-8071.
FORM #VTEAS – 2017 (Stand 04/17) TEAS-O
Roadside Dispatch®
What is Roadside Dispatch?
Roadside Dispatch is a pay-per-use roadside assistance program. The program
provides you with security and convenience wherever your travels take you.
For roadside assistance, call 1-800-847-2869.
No membership or pre-enrollment is required. No annual dues. No limit on usage.
For a set price per service call, the program provides:
• Standard Towing – up to 5 miles included
1
1
Any vehicle with wheels is covered under the program as long as it can be
classied as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs.
or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’
or ‘Heavy Duty’ and are NOT covered under this program.
• T
ire Changing – must have good, inated spare
• Jump Starting
• Lockout Service (no key replacement)
• Fuel Delivery – up to 5 gallons (plus the cost of fuel)
• Standard Winching
Roadside Dispatch will ask you where you are, what the problem is, and while
they remain on the phone with you, they will arrange a dispatch to a reliable
tow operator or locksmith to provide help. (If you feel you are in an unsafe
location, Roadside Dispatch will advise you to hang up and dial 911. If you are
not able to dial 911, they will call the non-emergency police number in your
area, and will remain on the phone with you at your request until the police
arrive.) You have the convenience of one toll-free phone number and you may
save money because their rates are pre-negotiated.
Dependable roadside assistance, 24 hours a day, 7 days a week has never been
easier. No membership or pre-enrollment is required. Just call Roadside Dispatch
toll-free when you need them. 1-800-847-2869 ~ it’s that easy!
Note: Customers must pay service provider for mileage over 5 miles. A
secondary unit being towed behind is not included but can be accommodated
for an additional fee. Standard Winching applies within 100 feet of paved or
county maintained road only. Current fee for a standard service call is $69.95.
Additional fees may apply for winching services under certain circumstances.
Service call fees are subject to change at any time; however callers will
be notied of pricing prior to any service dispatch. This program may be
discontinued at any time without prior notice. Program void where prohibited.
A
dditional Terms: Service providers supplying emergency roadside assistance
and towing are independent contractors and are solely liable for their
services. Neither Visa nor Capital One shall have any responsibility or liability in
connection with the rendering of the service. Emergency roadside assistance
and towing may not be available in areas not regularly traveled, nor in other “o
road” areas not accessible by ordinary towing vehicles. Weather conditions, time
of day, and availability of service may aect assistance responses. Expectations
for dispatch are set with the customer on every call, and an expected estimated
time of arrival is provided to the customer regardless of their location; however,
neither Visa nor Capital One provides any assurances as to the ability of the
Service Provider to meet such estimates. You are responsible for any roadside
assistance or towing charges incurred by facilities responding to your request
even if you are not with your vehicle or your vehicle is gone upon their arrival.
24-hour roadside assistance services provided by: Cross Country Motor Club,
Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of
California, Inc., a California corporation.
Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented
car. But accidents do happen, and vehicles do get stolen. No matter what
happens to Your rental car, You can be covered with Auto Rental Collision
Damage Waiver.
Capital One Signature Guide to Benets
6
Auto Rental Collision Damage Waiver reimburses You for damages caused by
theft or collision—up to the Actual Cash Value of most rented cars. Auto Rental
Collision Damage Waiver covers no other type of loss. For example, in the event
of a collision involving Your rented vehicle, damage to any other driver’s car
or the injury of anyone or anything is not covered. Rental periods of fteen
(15) consecutive days within Your country of residence, and thirty-one (31)
consecutive days outside it, are both covered. (Longer rental periods, however,
are not covered.)
You are eligible for this benet if Your name is embossed on an eligible card
issued in the United States and You use it to initiate and complete Your entire car
rental transaction. Only You as the primary car renter and any additional drivers
permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works with
other insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use
charges imposed and substantiated by the auto rental company, administrative
fees and reasonable and customary towing charges, due to a covered theft or
damage to the nearest qualied repair facility.
If You do have personal automobile insurance or other insurance that covers
theft or damage, this benet reimburses You for the deductible portion of
Your car insurance or other insurance, along with any unreimbursed portion of
administrative and loss-of-use charges imposed by the car rental company, as
well as reasonable towing charges while the car was Your responsibility.
If You do not have personal automobile insurance or any other insurance, the
benet reimburses You for covered theft, damage, or administrative and loss-
of-use charges imposed by the rental company, as well as reasonable towing
charges that occur while You are responsible for the vehicle.
If You are renting outside of Your country of residence, the coverage provided
under this benet is primary and reimburses You for covered theft, damage,
or administrative and loss-of-use charges imposed by the rental company, as
well as reasonable towing charges that occur while You are responsible for the
vehicle.
How to use Auto Rental Collision Damage Waiver
1. Use Your card to initiate and complete Your entire car rental transaction.
2. Review the auto rental agreement and decline the rental company’s collision
damage waiver (CDW/LDW) option, or a similar provision, as accepting this
coverage will cancel out Your benet. If the rental company insists that
You purchase their insurance or collision damage waiver, call the Benet
Administrator for assistance at 1-800-825-4062. Outside the United
States, call collect at 1-804-965-8071.
Before You leave the lot, be sure to check the car for any
prior damage.
This benet is in eect during the time the rental car is in Your (or an authorized
driver’s) control, and it terminates when the rental company reassumes control
of their vehicle.
This benet is available in the United States and most foreign countries (with
the exception of Israel, Jamaica, the Republic of Ireland or Northern
Ireland). However, this benet is not available where precluded by law, or
where it’s in violation of the territory terms of the auto rental agreement, or
when prohibited by individual merchants. Because regulations vary outside
the United States, check with Your auto rental company and the Benet
Administrator before You travel, to be sure that Auto Rental Collision
Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benet. They consist of: expensive,
exotic and antique cars; cargo vans; certain vans; vehicles with an open cargo
bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational
vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley,
Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren,
Porsche, Rolls Royce and Tesla. However, selected models of Audi, BMW,
Mercedes-Benz, Cadillac, Inniti, Land Rover, Lexus, Lincoln and Range Rover are
covered.
An antique car is dened as one that is over twenty (20) years old, or one that
has not been manufactured for ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles
(seating up to nine (9) people, including the driver) are covered.
If You have questions about a specic vehicle’s coverage or
organization where the vehicle is being reserved, call the
Benet Administrator at 1-800-825-4062, or call collect outside
the United States at 1-804-965-8071.
Related instances & losses not covered
• Any obligation You assume under any agreement (other than the
deductible on Your personal auto policy)
• Any violation of the auto rental agreement or this benet
• Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived, or paid by the auto rental company, or its insurer
• The cost of any insurance, or collision damage waiver, oered by or purchased
through the auto rental company
• Depreciation of the Rental Vehicle caused by the incident including, but not
limited to, “diminished value”
• Expenses reimbursable by Your insurer, employer or employer’s insurance
• Theft or damage due to intentional acts, or due to the driver(s) being under
the inuence of alcohol, intoxicants or drugs, or due to contraband, or illegal
activities
• Wear and tear, gradual deterioration or mechanical breakdown
• Items not installed by the original manufacturer
• Damage due to o-road operation of the Rental Vehicle
• Theft or damage due to hostility of any kind (including, but not limited to, war,
invasion, rebellion, insurrection or terrorist activities)
• Conscation by authorities
• Vehicles that do not meet the denition of covered vehicles
• Rental periods that either exceed, or are intended to exceed, fteen (15)
consecutive days, within Your country of residence, or thirty-one (31) days
outside Your country of residence
• Leases and mini leases
• Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of
reasonable care in protecting the Rental Vehicle before and/or after damage or
theft occurs (for example, leaving the car running and unattended)
• Theft or damage reported more than forty-ve (45) days* after the date of the
incident
• Theft or damage for which a claim form has not been received within ninety (90)
days* from the date of the incident
• Theft or damage for which all required documentation has not been received
within three hundred and sixty-ve (365) days after the date of the incident
• Theft or damage from rental transactions that originated in Israel, Jamaica, the
Republic of Ireland or Northern Ireland
• Losses caused by or resulting from a Cyber Incident
* Not applicable to residents in certain states.
Filing a claim
It is Your responsibility as a cardholder to make every eort to protect Your
Rental Vehicle from damage or theft. If You have an accident, or Your Rental
Vehicle has been stolen, immediately call the Benet Administrator at 1-800-
825-4062 to report the incident, regardless of whether Your liability has been
established. Outside the United States, call collect at 1-804-965-8071.
You should report the theft or damage as soon as possible but no later
than forty-ve (45) days from the date of the incident.
The Benet Administrator reserves the right to deny any claim containing
charges that would not have been included, if notication occurred before
the expenses were incurred. Thus, it’s in Your best interest to notify the Benet
Administrator immediately after an incident. Reporting to any other person will
not fulll this obligation.
What You must submit to le a claim
At the time of the theft or damage, or when You return the Rental Vehicle, ask
Your car rental company for the following documents:
• A copy of the accident report form
• A copy of the initial and nal auto rental agreements (front and back)
• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
• A police report, if obtainable
• A copy of the demand letter which indicates the costs You are responsible for
and any amounts that have been paid toward the claim.
Capital One Signature Guide to Benets
7
Submit all of the above documents from the rental company, along with the
following documents, to the Benet Administrator:
• The completed and signed Auto Rental Collision Damage Waiver claim form
(Important: This must be postmarked within ninety (90) days* of the theft or
damage date, even if all other required documentation is not yet available—
or Your claim may be denied).
• A copy of Your monthly billing statement (showing the last four (4) digits of the
Account number) demonstrating that the entire rental transaction was made
on Your eligible Account.
• A statement from Your insurance carrier (and/or Your employer or employer’s
insurance carrier, if applicable), or other reimbursement showing the costs for
which You are responsible, and any amounts that have been paid toward the
claim. Or, if You have no applicable insurance or reimbursement, a statement of
no insurance or reimbursement is required.
• A copy of Your primary insurance policy’s Declarations Page (if applicable) to
conrm Your deductible (This means the document(s) in Your insurance policy
that lists names, coverages, limits, eective dates and deductibles).
• Any other documentation required by the Benet Administrator to substantiate
the claim.
Finally, please note that all remaining documents must be postmarked within
three hundred and sixty-ve (365) days* of the theft or damage date or Your
claim may be denied.
* Not applicable to residents in certain states.
For faster ling, or to learn more about Auto Rental Collision
Damage Waiver, visit www.eclaimsline.com
Finalizing Your claim
Your claim will typically be nalized within fteen (15) days, after the Benet
Administrator has received all the documentation needed to substantiate Your
claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies against any party in
regard to this theft or damage will be transferred to the Benet Administrator,
to the extent of the cost of payment made to You. You must give the Benet
Administrator all assistance as may reasonably be required to secure all rights
and remedies.
Denitions
Account means Your credit or debit card Accounts.
Actual Cash Value means the amount a Rental Vehicle is determined to be worth
based on its market value, age and condition at the time of loss.
Computer Programs means a set of related electronic instructions which direct
the operations and functions of a computer or device connected to it, which
enable the computer or device to receive, process, store, retrieve or send data.
Cyber Incident means any of the following acts: unauthorized access to or use
of Your Digital Data or Rental Vehicle; alteration, corruption, damage, reduction
in functionality, manipulation, misappropriation, theft, deletion, erasure, loss
of use or destruction of Your Digital Data or Rental Vehicle; transmission or
introduction of a computer virus or harmful code, including ransomware, into
or directed against Your Digital Data or Rental Vehicle; restriction or inhibition of
access to or directed against Your Digital Data or Rental Vehicle; computer errors,
including human operating error or omission; power failure, surge, or diminution
of electronic systems; or mistakes in legitimate electronic code or damage from
code installed on a Rental Vehicle during the manufacturing process, upgrade
process, or normal maintenance.
Digital Data means information, concepts, knowledge, facts, images, sounds,
instructions, or Computer Programs stored as or on, created or used on, or
transmitted to or from computer software (including systems and applications
software), on hard or oppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with
electronically controlled equipment. Digital Data shall include the capacity
of a Rental Vehicle to store information, process information, and transmit
information over the Internet.
Eligible Person means a cardholder who pays for their auto rental by using
their eligible Account.
Rental Car Agreement means the entire contract an eligible renter receives
when renting a Rental Vehicle from a rental car agency which describes in full
all of the terms and conditions of the rental, as well as the responsibilities of all
parties under the contract.
Rental Vehicle means a land motor vehicle with four or more wheels as
described in the participating organization’s disclosure statement which
the eligible renter has rented for the period of time shown on the Rental
Car Agreement and does not have a manufacturer’s suggested retail price
exceeding the amount shown on the participating organization’s disclosure
statement.
You or Your means an Eligible Person who uses their eligible card to initiate and
complete the rental car transaction.
Additional provisions for Auto Rental Collision Damage Waiver
• 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
benet. 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 benet may be canceled. 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 two (2) years after the time for giving Proof
of Loss. Further, no legal action may be brought against the Provider unless all
the terms of the Guide to Benets have been complied with fully.
• This benet is provided to eligible cardholders at no additional cost. The
terms and conditions contained in this Guide to Benets may be modied by
subsequent endorsements. Modications to the terms and conditions may be
provided via additional Guide to Benets mailings, statement inserts, statement
messages or electronic notication. The benets described in this Guide to
Benets will not apply to cardholders whose Accounts have been suspended
or canceled.
• Termination dates may vary by nancial institutions. Your nancial institution
can cancel or non-renew the benets for cardholders, and if they do, they will
notify You at least thirty (30) days in advance. Indemnity Insurance Company
of North America (“Provider”) is the underwriter of these benets and is solely
responsible for its administration and claims. The Benet Administrator provides
services on behalf of the Provider.
• After the Benet Administrator has paid Your claim, all Your rights and remedies
against any party in respect of this claim will be transferred to the Benet
Administrator to the extent of the payment made to You. You must give the
Benet Administrator all assistance as may reasonably be required to secure all
rights and remedies.
• This benet does not apply to the extent that trade or economic sanctions or
other laws or regulations prohibit the provision of insurance, including, but not
limited to, the payment of claims.
For more information about the benet described in this guide, call the
Benet Administrator at 1-800-825-4062, or call collect outside the U.S.
at 1-804-965-8071.
FORM #ARCDW – 2021 (Stand 04/21) ARCDW-O
Lost Luggage Reimbursement
Have You ever been waiting for Your Checked Luggage to come around the belt
only to nd that it has been lost by Your airline?
Fortunately, Lost Luggage Reimbursement is here to help. With Lost Luggage
Reimbursement, You can be reimbursed for the dierence between the “value of
the amount claimed” and the Common Carrier’s payment up to three thousand
dollars ($3,000.00) per Covered Trip (for New York residents, coverage is
limited to two thousand dollars ($2,000.00) per bag), provided the Checked
Luggage and/or Carry-on Baggage and/or its contents was lost due to theft or
misdirection by the Common Carrier. “Value of the amount claimed” is the lesser of
the following three amounts: the original purchase price of the item(s), the actual
cash value of the item(s) at the time of theft or misdirection (with appropriate
deduction for depreciation), and the cost to replace the item(s).
You and Your Immediate Family Members are all eligible for this benet when
You take a Covered Trip and pay for the cost of Your Common Carrier tickets with
Your eligible card issued in the United States and/or rewards program associated
with Your covered Account. To be eligible for coverage, You must purchase a
portion or the entire cost of the Covered Trip with Your covered Account and/
or rewards program associated with Your covered Account. Only Your Checked
Luggage and/or Carry-On Baggage and/or its contents is covered.
Capital One Signature Guide to Benets
8
This benet is supplemental to and excess of any collectible insurance and/
or collectible reimbursement from any other source. The Benet Administrator
will refund the excess amount once all other reimbursement has been
exhausted up to the limit of liability.
Please Note: You must take all reasonable means to protect, save and/or
recover Your Checked Luggage and/or Carry-on Baggage and/or its contents
at all times.
What is not covered?
Luggage Reimbursement does not apply to loss or theft of the following items:
• Automobiles, automobile accessories and/or equipment, motorcycles, motors,
bicycles (except when checked with the Common Carrier), boats, or other
vehicles or conveyances
• Contact lenses, eyeglasses, sunglasses, hearing aids, articial teeth, dental
bridges and prosthetic limbs
• Money, securities, credit or debit cards, checks and travelers’ checks
• Tickets, documents (travel or otherwise), keys, coins, deeds, bullion, stamps,
perishables, consumables, perfume, cosmetics, rugs and carpets, animals,
cameras, sporting equipment and household furniture
• Property shipped as freight or shipped prior to the Covered Trip departure
date
• Items specically identied or described in and insured under any other
insurance policy
• Losses arising from conscation or expropriation by any government or public
authority or detention by customs or other ocials
• Losses resulting from abuse, fraud, hostilities of any kind (including, but not
limited to, war, invasion, rebellion or insurrection)
• Business items (items that are used in the purchase, sale, production,
promotion, or distribution of goods or services including but not limited to,
manuals, computers and their accessories, software, data, facsimile, samples,
collateral materials, etc.), cellular telephones or art objects
How to le a Lost Luggage Reimbursement claim
Immediately notify the Common Carrier to begin their claims process if Your
luggage and/or its contents are lost or stolen.
Within twenty (20) days of the date Your luggage is lost or stolen, and You
have notied the Common Carrier and begun their claims process, call the
Benet Administrator at 1-800-825-4062, or call collect outside the U.S. at
1-804-965-8071. The Benet Administrator will ask You for some preliminary
claim information and send You a special claim form. If You do not notify the
Benet Administrator within twenty (20) days of the date the luggage
was lost or stolen, Your claim may be denied. Within ninety (90) days of the
date Your luggage was lost or stolen, return Your claim form and the requested
documentation below to the address provided by the Benet Administrator:
• A copy of Your monthly billing statement or the travel itinerary (showing the
last four (4) digits of the Account number) conrming the Common Carrier
ticket was charged to the covered Account and/or rewards program associated
with Your covered Account
• If more than one method of payment was used, please provide documentation
as to additional currency, voucher, points or any other payment method
utilized
• A copy of ticketing by the Common Carrier, including but not limited to
itinerary, boarding pass or used ticket stub
• A copy of any check, settlement, denial or explanation of coverage issued by
the Common Carrier together with a copy of the Common Carrier’s completed
claim form, a list of the items lost and their value, and a copy of the luggage
claim check (if applicable)
• A copy of Your insurance policy’s Declarations Page (if applicable) to conrm
Your deductible (Declarations Page means the document(s) in Your insurance
policy that lists names, coverages, limits, eective dates and deductibles)
• A copy of any settlement of the loss or theft from Your primary insurance
• Any other documentation deemed necessary by the Benet Administrator to
substantiate the loss or theft
For faster ling, or to learn more about
Lost Luggage Reimbursement visit www.eclaimsline.com
If You have personal insurance (i.e., homeowner’s, renter’s, or other insurance
applicable to the lost or stolen luggage or contents), You are required to le a
claim with Your insurance company and submit a copy of any claim settlement
along with Your completed claim form.
If the claim amount is within Your personal insurance deductible, the Benet
Administrator may, at its discretion, deem a copy of Your personal insurance
Declarations Page to be sucient.
Transference of claims
After the Benet Administrator has paid Your claim of loss or theft under this
reimbursement benet, all Your rights and remedies against any party in respect
to this loss or damage will be transferred to the Benet Administrator to the
extent of the payment made to You. You must give the Benet Administrator all
assistance as may reasonably be required to secure all rights and remedies.
Denitions
Account means Your credit or debit card Accounts.
Carry-on Baggage means the baggage which You personally carry onto the
Common Carrier and for which You retain responsibility.
Checked Luggage means suitcases or other containers specically designed for
carrying personal belongings, for which a claim check has been issued to You by
a Common Carrier.
Common Carrier means any land, water or air conveyance operated under a
license for the transportation of passengers for hire and for which a ticket must
be purchased prior to commencing travel. Common Carrier does not include
taxis, limousine services, or commuter rail or commuter bus lines.
Covered Trip means a trip while the Eligible Person is riding on a Common
Carrier as a passenger and not as a pilot, operator or crew member, for which
the expense has been charged to Your eligible Account and/or rewards program
associated with Your covered Account, and which is not less than ve (5)
consecutive days but does not exceed sixty (60) consecutive days in duration.
Eligible Person means a cardholder who pays for their Covered Trip by using
their eligible Account and/or rewards program associated with their covered
Account.
Immediate Family Member means Your Spouse or legally dependent children
under age eighteen (18), [twenty-ve (25) if enrolled as a full-time student at an
accredited university].
Spouse includes Your domestic partner which is a person who is at least
18 years of age and who during the last twelve months: 1) has been in a
committed relationship with the cardholder; (2) has been the cardholder’s sole
spousal equivalent; (3) has resided in the same household as the cardholder; and
(4) has been jointly responsible with the cardholder for each other’s nancial
obligations and who intends to continue the relationship as stated above
indenitely.
You or Your means an Eligible Person or Your Immediate Family Members who
charged a portion of their Covered Trip to Your eligible Account and/or rewards
program associated with Your covered Account.
Additional provisions for Lost Luggage Reimbursement
• 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
benet. 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 benet may be canceled. 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 two (2) years after the time for giving Proof
of Loss. Further, no legal action may be brought against the Provider unless all
the terms of the Guide to Benets have been complied with fully.
• This benet is provided to eligible cardholders at no additional cost. The
terms and conditions contained in this Guide to Benets may be modied by
subsequent endorsements. Modications to the terms and conditions may be
provided via additional Guide to Benets mailings, statement inserts, statement
messages or electronic notication. The benets described in this Guide will
not apply to cardholders whose Accounts have been suspended or canceled.
• Termination dates may vary by nancial institutions. Your nancial institution
can cancel or non-renew the benets for cardholders, and if they do, they will
notify You at least thirty (30) days in advance. Indemnity Insurance Company
of North America (“Provider”) is the underwriter of these benets and is solely
responsible for its administration and claims. The Benet Administrator provides
services on behalf of the Provider.
• After the Benet Administrator has paid Your claim, all Your rights and remedies
against any party in respect of this claim will be transferred to the Benet
Administrator to the extent of the payment made to You. You must give the
Benet Administrator all assistance as may reasonably be required to secure all
rights and remedies.
Capital One Signature Guide to Benets
9
• This benet does not apply to the extent that trade or economic sanctions or
other laws or regulations prohibit the provision of insurance, including, but not
limited to, the payment of claims.
For more information about the benet described in this guide, call the
B
enet A
dministrator at 1-800-825-4062, or call collect outside the U.S.
at 1-804-965-8071.
FORM #LUGOPT – 2017 (04/17) LL-3/5-Os
Worldwide Automatic Travel Accident Insurance
THE PLAN: As a Visa Signature® cardholder of Capital One, you will be
automatically insured up to two hundred and fty thousand dollars ($250,000.00)
against 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 passenger fare(s), less redeemable certicates, vouchers or
coupons, has been charged to your Visa Signature Card account. If the entire
cost of the passenger fare has been charged to your Visa Signature Card account
prior to departure for the airport, terminal or station, coverage is also provided
for common carrier travel (including taxi, bus, train or airport limousine, including
courtesy transportation); immediately, a) preceding your departure, directly to
the airport, terminal or station, b) while at the airport, terminal or station, and
c) immediately following your arrival at the airport, terminal or station of your
destination.
If the entire cost of the passenger fare has not been charged prior
to your arrival at the airport, terminal or station, coverage begins at the time the
entire cost of the travel passenger fare is charged to your Visa Signature Card
account. Common Carrier means any land, water or air conveyance operated
by those whose occupation or business is the transportation of persons without
discrimination and for hire.
ELIGIBILITY: This travel insurance plan is provided to Visa Signature Card cardholders
of Capital One, automatically when the entire cost of the passenger fare(s) are charged
to your Visa Signature Card account while the insurance is eective. It is not necessary
for you to notify Capital One, the administrator or the Company, when tickets are
purchased.
THE COST: This travel insurance plan is provided at no additional cost to eligible Visa
Signature Card cardholders of Capital One. Capital One pays the premium for the
insurance.
BENEFICIARY: The Loss of Life benet will be paid to the beneciary designated by
the insured. If no such designation has been made, that benet will be paid to the rst
surviving beneciary in the following order: a) the Insured’s spouse, b) the Insured’s
children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s
estate. All other indemnities will be paid to the Insured.
THE BENEFITS: The full Benet Amount of two hundred and fty thousand dollars
($250,000.00) 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 Benet Amount
is payable for accidental loss of: one member, sight of one eye, speech or hearing.
One quarter of the Benet Amount is payable for the accidental loss of the thumb and
index nger of the same hand.
Member means hand or foot. Loss means, with respect to a hand, complete
severance through or above the knuckle joints of at least 4 ngers on the same
hand; with respect to a foot, complete severance through or above the ankle joint.
The Company will consider it a loss of hand or foot even if they are later reattached.
Benet Amount means the Loss amount applicable at the time the entire cost
of the passenger fare is charged to your Visa Signature Card account. Accident or
Accidental means a sudden, unforeseen and unexpected event happening by
chance. Accidental Bodily Injury(ies) means bodily injury which is Accidental, is the
direct source of a Loss, is independent of disease, illness or other cause and occurs
while this policy is in force. Covered Trip means travel on a Common Carrier when the
entire cost of the passenger fare for such transportation, less redeemable certicates,
vouchers or coupons, has been charged to an Insured Person’s Account issued by the
Policyholder. Insured Person means the individual or entity to whom the Policyholder
has issued an Account, as well as authorized users of the Account registered with the
Policyholder.
The loss must occur within one year of the accident. The Company will pay the single
largest applicable Benet Amount. In no event will duplicate request forms or multiple
charge cards obligate the Company in excess of the stated Benet Amounts for any
one loss sustained by any one individual insured as the result of any one accident. In
the event of multiple accidental deaths per account arising from any one accident, the
Company’s liability for all such losses will be subject to a maximum limit of insurance
equal to two times the Benet Amount for loss of life. Benets 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’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-inicted injuries; 3) declared or undeclared war, but war does not include acts
of terrorism; 4) travel between the Insured Person’s residence and regular place of
employment. This insurance also does not apply to an accident occurring while an
Insured is in, entering, or exiting any aircraft owned, leased, or operated by Capital
One; or 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.
CLAIM NOTICE: Written claim notice must be given to the Company within
twenty (20) days after the occurrence of any loss covered by this policy or
as soon as reasonably possible. Failure to give notice within 20 days will not
invalidate or reduce any otherwise valid claim if notice is given as soon as
reasonably possible.
CLAIM FORMS: When the Company receives notice of a claim, the Company
will send you forms for giving Proof of Loss to us within 15 days. If you do
not receive the forms, you should send the Company a written description of
the loss.
CLAIM PROOF OF LOSS: For all claims, complete proof of loss must be given to
us within 90 days after the date of loss, or as soon as reasonably possible. Failure
to give complete Proof of Loss within these time frames will not invalidate any
otherwise valid claim if notice is given as soon as reasonably possible and in no
event later than 1 year after the deadline to submit complete Proof of Loss.
CLAIM PAYMENT: For benets payable involving disability, we will pay the
Insured Person or beneciary the applicable Benet Amount no less frequently
than monthly during the continuance of the period for which we are liable. At
the end of this period, we will immediately pay any remaining balance of the
Benet Amount. All payments by us are subject to receipt of written Proof of
Loss. For all benets payable under this policy except those for disability, we will
pay the Insured Person or beneciary the applicable Benet Amount within sixty
(60) days after we receive a complete Proof of Loss, if the Insured Person and
Policyholder have complied with all the terms of this policy.
EFFECTIVE DATE: This insurance is eective on the date that you become an
eligible cardholder, whichever is latest; and will cease on the date the Master
Policy 6478-06-65 is terminated or on the date your Visa Signature Card account
ceases to be in good standing, whichever occurs rst.
HOW TO FILE A CLAIM: FOR CLAIMS-RELATED MATTERS ONLY—you may
submit a claim directly to Federal Insurance Company. To le a claim directly
with Federal Insurance Company, contact the Claim Administrator, Broadspire,
a Crawford company. Complete all items on the required claim form, attach all
appropriate documents, and mail or fax to: Broadspire, a Crawford company, P.O.
Box 459084 Sunrise, FL 33345 PHONE: 855-307-9248, FAX: 855-830-3728.
ALL CUSTOMER SERVICE RELATED ISSUES INCLUDING BUT NOT LIMITED
TO GENERAL QUESTIONS & CARD SERVICE INQUIRIES SHOULD BE
DIRECTED TO THE PLAN ADMINISTRATOR NOTED BELOW AND NOT
FEDERAL INSURANCE COMPANY.
GOVERNING JURISDICTION AND CONFORMANCE WITH STATUTES: This
insurance is governed by the laws of the jurisdiction in which it is delivered
to the Policyholder. Any terms of this insurance which are in conict with the
applicable statutes, laws or regulations of the jurisdiction in which the master
policy is delivered are amended to conform to such statutes, laws or regulations.
Any terms of a Description of Coverage which are in conict with the applicable
statutes, laws or regulations of the jurisdiction in which the Description
of Coverage is delivered are amended to conform to the statutes, laws or
regulations of the jurisdiction.
Answers to specic questions can be obtained by writing the Plan Administrator.
Plan Administrator
cbsi
550 Mamaroneck Ave.
Harrison, NY 10528
As a handy reference guide, please read this and keep it in a safe place with
your other insurance documents. This information is a brief description of
the important features of this insurance plan. It is not an insurance contract.
Insurance benets are underwritten by Federal Insurance Company. Coverage
may not be available in all states or certain terms may be dierent where required
by state law. Chubb NA is the U.S.-based operating division of the Chubb Group
Capital One Signature Guide to Benets
10
Capital One Signature Guide to Benets
of Companies, headed by Chubb Ltd. (NYSE: CB). Insurance products and services
are provided by Chubb Insurance underwriting companies and not by the parent
company itself.
ID Navigator Powered by NortonLifeLock
TM
Smart tools to help against the evolving threat of identity theft.
No one can prevent all identity theft, so staying informed and knowing what to
do when your identity is threatened can give you greater peace of mind.
How ID Navigator Powered by NortonLifeLock can help:
• Dark Web Monitoring – continuously patrols the dark web and private
forums looking for personal information that may belong to you. Should it be
found, notications are sent with suggested steps.
• Data Breach Notications – sends notications on large-scale breaches so
you can act quickly should a breach aect your personal information.
• Stolen Wallet Assist – A stolen wallet can mean a lost identity. If your
wallet is stolen you will receive guidance to help you cancel or replace key
documents like your credit cards, driver’s licenses, Social Security cards,
insurance cards and more.
• One-Bureau Credit Monitoring Alerts
2
2
Two requirements must be met to receive the One-Bureau Credit Monitoring
feature: (i) your identity must be successfully veried with Equifax; and (ii)
Equifax must be able to locate your credit le that contains sucient credit
history information. If these requirements are not met, you will not receive
Credit Features from Equifax. You will receive Credit Features once the
verication process is successfully completed. Any credit monitoring from
Equifax will take several days to begin after your successful plan enrollment.
– helps you stay on top of your
c
redit to help detect fraud more quickly. Alerts are sent when key changes are
made to your credit le with a major credit bureau.
• Credit, Bank & Utility Account Freezes – provides instructions and
links so you can quickly freeze credit, bank and utility les with each
consumer reporting company to help protect you against criminals opening
unauthorized accounts in your name. Restoration Assist – U.S.-based Identity
Restoration Specialists are available Monday to Friday 6 a.m. – 5 p.m. PST with
guidan
ce and with next steps to assist you should you become a victim of
identity theft or other suspicious activity. Note: Visa Cardholders will have
access to special discounts if they are interested in purchasing a more robust
identity theft oering that includes additional Restoration features such as the
LifeLock Million Dollar Protection™ Package.
Enrolling is easy. Just visit www.cardbenetidpr
otect.com and have your
credit card number ready to enter.
U.S.-based Member Services & Support is available Monday to Friday
6 a.m. – 6 p.m. PST, and Saturday 7 a.m. – 1 p.m. PST.
No one can prevent all identity theft.
11
Benet Contact Information
F
or questions on each benet, including how and when to use them, refer
to the following phone numbers and websites:
Extended Warranty Protection
To register your purchases or le a claim anytime, visit
www.cardbenetservices.com or call toll-free, 1-844-288-2140.
Purchase Security
To le a claim or learn more anytime, visit www.cardbenetservices.com
or call toll-free, 1-844-288-2140.
Visa Signature Concierge
To reach Visa Signature Concierge anytime, call toll-free, 1-888-315-6932.
Outside the U.S., call collect at 1-312-884-8490.
Travel and Emergency Assistance Services
For assistance anytime, call toll-free 1-800-825-4062. Outside the U.S., call
collect at 1-804-965-8071.
Roadside Dispatch
For roadside assistance anytime, call toll-free 1-800-847-2869.
Auto Rental Collision Damage Waiver
To report an incident or learn more anytime, visit www.eclaimsline.com
or call toll-free, 1-800-825-4062. Outside the U.S., call collect at
1-804-965-8071.
Lost Luggage Reimbursement
To report lost luggage or learn more anytime, visit www.eclaimsline.com
or call toll-free, 1-800-825-4062. Outside the U.S., call collect at
1-804-965-8071.
Worldwide Automatic Travel Accident Insurance
To le a claim or learn more anytime, call toll-free, 1-855-307-9248.
ID Navigator Powered by NortonLifeLock
To enroll, visit www.cardbenetidprotect.com. U.S.-based Member
Services & Support is a
vailable Monday to Friday 6 a.m. – 6 p.m. PST, and
Saturday 7 a.m. – 1 p
.m. PST. Restoration Specialists are available Monday
to Friday 6 a.m. – 5 p.m. PST.
© 2022 Visa. All Rights Reserved. visa.com
C
apital One and its aliates are not responsible for the products or services
herein oered.
BR418609 M-135766
Capital One Signature Guide to Benets
