Mastercard® Black Luggage Protection

The information contained herein is provided solely for general informational purposes.  It does not intend to be a complete description of all terms, conditions, limitations, exclusions, or other provisions of any program or insurance benefits provided by, or for, or issued to Mastercard.

To file a claim or for more information on any of these services, please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect to the United States at:

1-636-722–8883 (English);

1-636-722-8882 (Español);



“Card” refers to Mastercard® Black card


“Cardholder”, “you”, and “your” refer to a Mastercard® Black Cardholder, who has an eligible Mastercard® Black Account and whose name is embossed on the surface of the Mastercard® Black card.

Selection of benefits on your Mastercard card may vary by card issuer. Please refer to your issuing financial institution for more details.

Mastercard® Black cardholders can benefit from peace of mind knowing that expenses incurred as a result of delayed and lost luggage are covered, and expert assistance is available to help you find your delayed or lost luggage.


Who is Covered:

Mastercard® Black Cardholders, their Spouse/Domestic Partner and Dependent Children, whether traveling together or separately.


To Get Coverage:

Coverage is provided when the entire cost of the Common Carrier Conveyance passenger fare has been charged to the eligible Mastercard® Black card and/or has been acquired with points earned by a Mastercard Rewards Program associated with the Mastercard® Black card (i.e. mileage points for travel).  In order to be eligible for coverage cardholder must pay all associated taxes, shipping & handling fees and any other required fees to your eligible Mastercard® Black card and/or with reward points associated to your Mastercard® Black card.


The Kind of Coverage you Receive:

Assistance Services:

  • Expert assistance services are provided for tracking and locating delayed or lost Luggage.
  • Provides phone and document submission related assistance services, such as filing claims, determining necessary appropriate actions, contacting proper authorities of the Common Carrier Conveyance, etc.
  • We will be responsible for keeping you informed of the status and location of the Luggage as information is available and will communicate with you on an on-going basis (at least once every 24 hours) until a final outcome has been determined.
  • We will ensure the Luggage is shipped to your destination or your home. 
  • If the Luggage is determined to be unrecoverable, we will help you file claims and other necessary actions that may need to be taken.


To obtain assistance services provided through Luggage Protection, please call 1-866-252-7491 in the United States.  If you are unable to access the toll-free number, please call collect 1-212-345-3514.  You may also call direct, or collect to the Mastercard® Global Service in the United States at:

1-636-722–8883 (English);

1-636-722-8882 (Español);

1-636-722-8881 (Português).


Delayed Luggage Benefits:  If your Luggage is delayed beyond four (4) hours after the actual arrival time at the intended destination, you will be eligible to receive up to USD 600 in reimbursement for expenses incurred for purchases of essential clothing or requisites as a result of Luggage delay (independent of the number of “checked” luggage).  Coverage is considered only for Reasonable and Additional Expenses, including prescription drugs, incurred between four (4) hours and four (4) days after the actual arrival time at the intended destination.  This applies to Delayed Luggage on any Covered Trip; domestic or international, even in the Insured Person’s city of permanent residence.

Lost Luggage Benefits:  If your Luggage is lost and determined to be unrecoverable by the Common Carrier Conveyance, your Luggage is insured up to USD 3,000 (Independent of the number of “checked” luggage).  This applies to Luggage on any Covered Trip; domestic or international.


Coverage Conditions/Limitations:

  • Your Luggage must be properly checked with and under the possession, care, custody and control of the Common Carrier Conveyance during a Covered Trip.
  • Insurance coverage and assistance services are provided to you for Covered Trips, worldwide. 
  • A Covered Trip shall be deemed to have commenced when the Insured Person boards Common Carrier Conveyance transportation for the purpose of going on such trip; leaves the initial point of departure; and continues until such time as the Insured Person alights from Common Carrier Conveyance transportation for the purpose of returning from such trip.
  • Luggage, which appears to be delayed or lost, at the final destination, must be formally notified (immediately) and a claim must be filed with the Common Carrier Conveyance.
  • It must be determined (and verified) to be delayed or unrecoverable by the Common Carrier Conveyance.
  • Lost electronic equipment is subject to a limit up to USD 500 per item, not to exceed the maximum benefit amount.
  • For Delayed Luggage, receipts of incurred expenses will be required if the expenses for Reasonable and Additional Expenses go over USD 200 and up to the maximum sum insured of USD 600


What is NOT Covered (Exclusions):

Coverage is not provided for a loss caused by or resulting from the following: 

  1. Wear and tear or gradual deterioration;
  2. Insects or vermin;
  3. Inherent vice or damage;
  4. Confiscation or expropriation by order of any government or public authority;
  5. Seizure or destruction under quarantine or custom regulation;
  6. Radioactive contamination;
  7. Usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence;
  8. Transporting contraband or illegal trade;
  9. Breakage of brittle or fragile articles including radios, audio equipment and similar property;
  10. Trips returning to the original city of residence in the Insured Person´s Home Country (does not apply to Lost Luggage);
  11. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or        make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.


Coverage is not provided for loss of any of the following items:

  1. Animals, birds or fish;
  2. Automobiles or automobile equipment, boats, motors, trailers, motorcycles or other conveyances or their appurtenances (except bicycles while checked as Luggage with a Common Carrier Conveyance);
  3. Household furniture;
  4. Eyeglasses or contact lenses;
  5. Artificial teeth or dental bridges;
  6. Hearing aids;
  7. Prosthetic limbs;
  8. Musical instruments;
  9. Money or securities;
  10. Tickets or documents;
  11. Perishables and consumables;
  12. Jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur.

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