Important information. Please read and save.

 

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);

1-636-722-8881(Português).

 

“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 may benefit from peace of mind knowing that travel and accommodation expenses paid in advance are covered if a trip is unexpectedly cancelled or delayed.

 

Who is Covered:

Mastercard® Black Cardholders, their Spouse/Domestic Partner and Dependent Children.

 

To Get Coverage:

Coverage is provided when the entire cost of the Common Carrier Conveyance passenger fare has been charged to your Mastercard® Black card; or has been acquired with points earned by an eligible Rewards Program associated with your 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 Mastercard® Black card and/or with reward points associated to your Mastercard® Black card.

Coverage is effective only if the trip is purchased before the Insured Person becomes aware of any circumstances that could lead to the cancellation of his/her journey.

 

The Kind of Coverage you Receive:

 

What is Covered (Trip Cancellation)

Benefits may be provided for trips that are cancelled due to an unexpected death, Serious Injury or Sickness of the Insured Person, the Insured Person’s Traveling Companion, or immediate family member(s) of the Insured Person. 

• This coverage provides benefits up to USD^† 3,000 for loss of travel and/or accommodation expenses paid in advance by the Insured Person; and
• For which the Insured Person is legally liable, and which are not recoverable from any other source before the date of commencement of the journey.
• Excess Coverage - These benefits supplement the Common Carrier Conveyance’s liability for Trip Inconvenience and what is covered under the cancellation policies for the accommodation(s) paid in advance.
• The Covered Trip must be cancelled before it commences.    

 

What is NOT Covered by Trip Cancellation (Exclusions):

Trip Cancellation Coverage shall not include benefits for any loss arising from or caused directly and/or indirectly by:

1. Government regulations or control, bankruptcy, liquidation or default of travel agencies, or carrier caused cancellation;
2. A loss covered by any other existing insurance scheme, government program or which will be paid or refunded by a hotel, travel agent or any other provider of travel and/or accommodation;
3. Bodily injury or sickness due to or in consequence of mental and nervous disorders, including but not limited to insanity;
4. Any claim related to disinclination to travel or financial circumstances of the Insured Person;
5. Suicide, attempted suicide, or intentionally self-inflicted injury;
6. Failure to obtain required passport, visa or immunizations before departure;
7. Alcohol or drug abuse;
8. Any cancellations resulting from Civil or Foreign war, riots, popular movements, any pre-existing conditions, any effect of a source of radioactivity, epidemics, pollution, natural catastrophes or climatic events;
9. Elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident while coverage is in force;
10.  Pregnancy: sickness or injury related to pregnancy will not be covered if the sickness or injury occurs within 3 months (three months before / three months after) of the expected (or actual) delivery date;
11. Laws, regulations or orders, issued or made by any Government or Public Authority;
12. An Insured Person traveling against the advice of a Physician;
13. The default of any a) provider of transport; or b) agent of such provider;
14. Strikes or labor disputes which existed, or of which advance warning had been given prior to the date on which a Trip was booked;
15. Cancellation due to withdrawal from service temporarily or permanently of any Common Carrier Conveyance on the orders or recommendations of any Port Authority or the Aviation Agency or any similar body in any country.
16. 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.

 

Trip Delay is defined as the event where the departure of the Common Carrier Conveyance in which the Insured Person had arranged to travel is delayed for at least four (4) consecutive hours from the time specified in the itinerary supplied to the Insured Person. This benefit is offered on a primary basis.

What isCovered (Trip Delay)

This insurance covers all necessary, Reasonable and Additional Expenses, such as meals and refreshments, hotel expenses and / or airport transfer expenses incurred as a result of a delay of at least four (4) consecutive hours from the time specified in the itinerary supplied to the Insured Person of the departure of the Common Carrier Conveyance in which the Insured Person had arranged to travel. 

 

Coverage Conditions/Limitations (Trip Delay)

This insurance covers loss consequent up to USD 200^† upon the delay of the Common Carrier Conveyance due to the following:

1. Delay of a Common Carrier Conveyance caused by inclement weather, which means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier Conveyance; or
2. Delay caused by equipment failure of a Common Carrier Conveyance, which means any sudden, unforeseen breakdown in the Common Carrier Conveyance 's equipment that delays the scheduled arrival or departure of a Common Carrier Conveyance; or
3. Delay due to an unforeseen strike or other job action by employees of a Common Carrier Conveyance, which means any labor disagreement that delays the scheduled arrival or departure of a Common Carrier Conveyance.
4. This benefit is offered on a primary basis.

 

What is NOT Covered by Trip Delay (Exclusions):

This coverage shall not include any loss caused directly and/or indirectly due to:

1. An event which was made public or known to the Insured Person prior to the date their trip was booked; 
2. The laws, regulations or orders, issued or made by any Government or Public Authority; or
3. Strikes or labor disputes which existed, or of which advance warning had been given prior to the date on which a trip was booked; 
4. The withdrawal from service temporarily or permanently of any Common Carrier Conveyance on the orders or recommendations of any Port Authority or the Aviation Agency or any similar government body in any country;
5. A bomb search or bomb threat.
6. 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.