Luggage Protection

Luggage Protection reimburses Insured persons when luggage they check in for travel on a common carrier is delayed or lost. Trip must be paid in full with the Mastercard® Black Card. Assistance to locate lost luggage is also available.

Restrictions and exclusions apply. For more information, please refer to the terms and conditions.

Lost Luggage up to US$ 3,000 and Delayed Luggage up to US$ 600 (over 4 hours). Coverage is offered on a primary basis.

Restrictions and exclusions apply. For more information, please refer to the terms and conditions.

Description of Coverage

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 location, 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.

Who is Covered:

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

To Get Coverage:

Coverage is provided automatically 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 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.

-       These benefits are offered on a primary basis.

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); or call the Mastercard Global Service toll-free number in your location.

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 location (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.

Key Terms and Definitions:

Account: means an International Use Mastercard Black card account that is open and in good standing (not cancelled, suspended or delinquent) at the time of Purchase of the Common Carrier Conveyance ticket.

The Company: means a Member Company of AIG Insurance Company underwriting the Insurance coverage, and/or corresponding Reinsurer, if applicable.

Cardholder: means a person who has an eligible Account and whose name is on the surface (embossed or other) of an eligible Mastercard Black card provided by an Issuer in the issuing territory.

Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in good standing license for the transportation of passengers for hire for which a ticket has been obtained.

Covered Trip: means a trip where (a) the Insured Person’s full fare for a Common Carrier Conveyance has been charged to an eligible Account or (b) purchased with an eligible card that received mileage points, and other similar discounts from reward programs for travel issued by Mastercard or a Mastercard International Issuer, or (c) both point (a) and (b) of this definition and by an Insured Person on behalf of another Insured Person.  Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum sum insured benefit amount will be based on the eligible class for the original passenger fare purchase and this will be the only benefit amount applicable.

Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier Conveyance is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable.

Dependent Child(ren): means named dependent children, including adopted, step and foster children of the cardholder, aged between birth and 18 years, or 25 years if attending as a full time student an accredited institution of higher learning, who are unmarried and who permanently reside and receive the majority of maintenance and support from the Insured Person. Children who are wholly dependent on the Insured Person for support and maintenance due to permanent physical or mental disability will be considered dependents of the Insured Person, if the Insured Person is eligible for benefits.

To verify eligibility for the physically or mentally disabled dependent child(ren), the Cardholder may be requested to provide medical records for the physically or mentally disabled dependent child(ren).

Dependents:  means the Cardholder’s Spouse, Domestic Partner and Dependent Children.

Domestic Partner: means an opposite or a same sex partner who has met all of the following requirements for at least 12 months:  (1) resides with the Insured Person at Insured Person's principal residence; (2) shares financial assets and obligations with the Insured Person; (3) is not related by blood to the Insured Person to a degree of closeness that would prohibit a legal marriage; (4) is at least the age of consent in the state in which they reside; and (5) neither the Insured Person or Domestic Partner is married to anyone else, nor has any other Domestic Partner.

Good Standing: means an Account that is current in its dues and payments and follows all other requirements from the Issuer.

Home Country: means the location where an Insured Person has his/her true, fixed and permanent home and principal establishment, and to which whenever he/she has the intention of returning, which must be the same as the Issuing Territory of the Mastercard Black card.

Insured Person(s): means a Mastercard Black cardholder or other eligible person(s) who are defined as being eligible under each program’s “Who is Covered” provision in this guide. 

Issuer: means a bank, financial institution (or like entity) or Corporation and/or Government Institution (CGI) that is admitted or and/or authorized by Mastercard to operate a Mastercard card program in the Issuing Territory. 

Issuing Territories: means Antigua & Barbuda, Aruba, Barbados, Curaçao, St Kitts & Nevis, St Maarten, Trinidad & Tobago, Virgin Islands U.S., Bahamas, Belize, Bermuda, Cayman Islands, Haiti, Jamaica, Turks & Caicos.

Luggage: means any case(s) used to carry belongings when traveling such as suitcases, trunks, and bags of travelers that is “checked” with and under the possession and control of a Common Carrier Conveyance. This does not include carry-on items.

Mastercard:  means Mastercard International (or Mastercard Worldwide), a corporation organized under the laws of the State of Delaware, USA, with a principal place of business at 2000 Purchase Street, Purchase, NY 10577.

Policy:  means a contract of insurance and any attached endorsements or riders issued to Mastercard.

Reasonable and Additional Expenses: means any expenses for meals and lodging which were necessarily incurred as the result of a covered hazard and which are not provided by the Common Carrier Conveyance or any other party free of charge.

Spouse: means the husband or wife or domestic partner of the Cardholder as legislated and/or regulated by the local law and who is living at the same residence as the Cardholder in the Cardholder’s Home location.

Disclaimer: 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.

How to File a Claim

In the event of a claim, the following procedures should be followed:

1)      You (Cardholder) or the beneficiary or someone legally acting on behalf of either, must notify us as required in the Claim Notification Period, or your claim may be denied - Upon receipt of a notice of claim, the Plan Administrator, Claims Administrator or Insurance Company, will furnish to a claimant the necessary Claim Form(s);

2)      Complete the Claim Form(s) in its entirety signed and dated;

3)      Submit all Required Information (proof of loss), as outlined in this section no later than the Submission Period.

Please note, there may be additional information requested at times in order to process your claim. It is your responsibility to provide this information in order to process the claim.

For assistance with filing a claim, please call the specific Mastercard Global Service toll-free number for your location, 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).

LUGGAGE PROTECTION *

Claim Notification Period:  Within ninety (90) days from the date of loss.

Submission Period:  No later than one hundred eighty (180) days from the date of Claim Notification.

Required Information (proof of loss):

a)      copies of the notification and reporting filed with the Common Carrier Conveyance and all related correspondence, Property Indemnity Report (PIR) - form must include flight number, vessel number, or bill of lading and baggage check number; 

b)      transaction verification confirming the full passenger fare for the Covered Trip had been charged to the eligible Mastercard Black card, including copies of Common Carrier Conveyance ticket(s) and receipts;

c)       receipts for incurred expenses, IF incurred expenses go over US$200 (up to the maximum sum insured of US$600 for Delayed Luggage);

d)      Cardholder's statement of Account showing it is eligible as per Account definition in Key Terms and Definitions (General) section. 

Please note there may be additional information requested at times in order to process your claim. It is your responsibility to provide this information in order to process the claim.

Submit all required information as outlined above by either:

1.       Upload: www.mycardbenefits.com

2.       Email: mcresponse@ufac-claims.com

3.       Fax: 1-216-617-2910

4.       Mail: Mastercard Benefits Assistance Center

c/o Program Administrator at Sedgwick Claims Management Services, Inc.

PO Box 89405

Cleveland, OH, 44101-6405

Payment of Claims:

Where allowable by law, Benefit for loss of life is payable to the beneficiary designated by the Insured Person. If there has been no such designation, then payment of claim will be to the Insured Person’s first surviving beneficiary as follows:

a.            Spouse or Domestic Partner;

b.            Children, in equal shares;

c.            Parents, in equal shares;

d.            Brothers and sisters, in equal shares; or

e.            Executor or administrator

Subject to the applicable terms and conditions, all other benefits will be paid to the Insured Person or other appropriate party where necessary. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the location of payment.

† Each insurance benefit limit described in this Guide is in United States Dollar (USD). Payment of claims will be made in local currency where required law, with the official Foreign Exchange Rates published on the date the claim is paid.

General Provisions and Disclaimers:

General: These benefits and services are effective for eligible Mastercard cardholders effective October 1, 2017. This document supersedes any guide or program communication you may have received earlier. The information contained herein is provided solely for general informational purposes. This document is not a Policy, contract, warranty or promise of insurance or other benefit. It does not intend to be a complete description of all terms, conditions and exclusions of the policies or other benefits, all of which are subject to change by Mastercard or the underwriters or other service providers at any time and without prior notice. Provision of services is subject to availability and applicable legal restrictions. Insurance coverage is underwritten by approved Member Companies of AIG Insurance Company and/or corresponding Reinsurer, if applicable.  Complete provisions pertaining to these plans of insurance are contained in the Master Policy(ies) on file with the Plan Administrator, Affinity Insurance Services, Inc, on behalf of Mastercard Worldwide, Latin America and Caribbean Region in Purchase, New York, USA. If there are any discrepancies between this document and the Master Policy(ies) or the applicable Mastercard contract for other benefits, the Master Policy(ies) or the applicable Mastercard contract for other benefits shall govern. The Insurance Company has the final authority to determine the outcome of an insurance claim. The appointed service provider for non-insurance services and benefits provided to cardholders holds final authority to determine and respond to any claims, comments, inquiries, disputes; related to utilization of the cardholder benefit program.   

Cancellation:  Mastercard can cancel these benefits at any time or choose not to renew insurance coverage for all Cardholders. Insurance coverage or benefits provided by these programs may cease on the date indicated in the Master Policy in existence between Mastercard International and the Insurance Company; or will be terminated on the date your Mastercard card terminates or ceases to be a Valid Account, whichever occurs first. If a benefit/program is cancelled, cardholders will be notified in advance, as soon as reasonably practical. The effective time for any Cancellation referenced in this section shall be 12:01 a.m., Eastern Standard Time. Any claim for benefits from Luggage Protection that occurs prior to the effective date of cancellation shall not be prejudiced by the cancellation or non-renewal, subject to the terms and conditions of the Master Policy(ies). 

Valid Account: (1) Your Mastercard card account must be open, valid and in good standing for any benefits, coverage or services to apply; and (2) Benefits will not be paid and coverage will not apply if; on the date of an accident, occurrence or incident that causes or results in a loss covered under any plan of insurance, your Mastercard card account is not open, valid, in good standing; or is in delinquency, collection, or cancellation status. 

Cardholder Duties After a Loss (Due Diligence): You must use all reasonable means to avoid future loss at and after the time of loss and provide full compliance with the duties that are described. This includes full cooperation with the Insurance Company, Plan Administrator(s) and Third Party Claims Administrator who act on behalf of Mastercard for programs or other services offered as benefits to a cardholder; with investigating, evaluating and settling a claim. 

Concealment, Fraud or Misrepresentation: Insurance coverage/benefits or services described herein, will be void, whether before or after a loss or request for services are made, if you willfully concealed or misrepresented any material fact or circumstance concerning or provided fraudulent information concerning the plans of insurance or other services described herein to: Mastercard International, the Insurance Company, financial institution issuing the card Account, or any other company performing services and/or administration on behalf of these programs. 

Legal Actions: No legal action may be brought to recover on a Policy until sixty (60) days after the Insurance Company has been given written proof of loss. No such action may be brought after three (3) years from the time written proof of loss is required to be given.  

Conformity with local statutes: Any provision of a Policy, which; on its effective date, is in conflict with the statutes of the location in which the policy was delivered or issued for delivery is hereby amended to conform to the minimum requirement of such statutes. 

Sanctions: 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.

Arbitration: Any dispute regarding the terms of any Master Policy(ies) of insurance, including any question regarding its existence, validity or termination will be referred to and resolved by arbitration and in accordance with the arbitration rules/regulations of the location where your Mastercard card account has been issued. 

Confidentiality and Security: We may disclose all information we collect, as described above, to companies that perform administrative services on our behalf solely in connection with insurance coverage you have received.  We restrict access to personal information to our employees, our affiliates' employees, or others who need to know that information to service the account or in the course of conducting our normal business operations. We maintain physical, electronic, and procedural safeguards to protect personal information.

Disclaimer: 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.

Important information

In case of a claim, it is important to keep the original receipt showing that the payment was made in full with the Mastercard Black card as well as copies and legible documentation of all information regarding the damages caused. More details on Terms and Conditions. To submit an insurance claim, visit www.mycardbenefits.com and select your preferred language or contact us directly.

For assistance or to request help with a claim, contact the following numbers:

 

International Collect Call number

Local Toll Free number

Local line

Other Caribbean

636-722-8883

1-866-723- 4549

n/a

Dominican Republic

636-722-8882

1-829-954-8445

n/a

Puerto Rico

636-722-8882

888-366-1673

n/a


From Abroad: 1-636-722-8883 (English), 1-636-722-8882 (Spanish), 1-636-722-8881 (Portuguese).