The Cell Phone Protection coverage in the event of Theft or Accidental Damage offers reimbursement for the value of a Covered Cell Phone when the Mastercard® Black Debit cardholder pays the recurring bill (monthly) of the Covered Cell Phone with their Mastercard® Black Debit card.
Restrictions and exclusions apply. For more information, please refer to the terms and conditions.
Coverage up to US$ 600 per occurrence/up to US$ 1,200 per 12-month period with a $50 deductible.
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 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 Debit card.
“Cardholder”, “you”, and “your” refer to a Mastercard® Black Debit Cardholder, who has an eligible Mastercard® Black Debit Account and whose name is embossed on the surface of the Mastercard® Black Debit card.
Selection of benefits on your Mastercard card may vary by card issuer. Please refer to your issuing financial institution for more details.
The Cellular Phone Protection provides coverage If a Mastercard® Black Debit cardholder’s Covered Cellular Phone is Stolen or Accidentally Damaged to reimburse for the value of said Covered Cellular Phone when the Mastercard® Black Debit cardholder pays his/her Recurrent Cellular Phone Bill with his/her Mastercard® Black Debit account.
Who is Covered
Mastercard® Black Debit Cardholders or an individual who is authorized to make purchases on the covered Mastercard account.
To Get Coverage
Insurance applies only if:
• The Cardholder has one (1) recurrent Cellular Phone Bill payment on the Mastercard® Black Debit account statement prior to the date of a covered Theft or Accidental Damage, causing a loss;
• The Cardholder’s coverage begins the first day of the calendar month following the payment of the Covered Cellular Telephone bill using his/her Mastercard® Black Debit account.
• If the Cardholder fails to make a Covered Cellular Telephone bill payment using his/her Mastercard® Black Debit account in a particular month, coverage will be suspended until the first day of the calendar month following the date of any future Covered Cellular Telephone bill payment using his/her Mastercard® Black Debit account.
The Kind of Coverage You Receive
The Cardholder’s coverage begins the first day of the calendar month following the payment of the Covered Cellular Telephone bill using his/her Mastercard® Black Debit account. If a Cardholder fails to make a Covered Cellular Telephone bill payment using his/her Mastercard® Black Debit account in a particular month, coverage under the Policy will be suspended until the first day of the calendar month following the date of any future Covered Cellular Telephone bill payments using his/her Mastercard® Black Debit account.
Coverage is for the lesser of the following amounts: 1) the actual cost to repair the Covered Cellular Telephone; or 2) up to USD† $600 per occurrence after a USD† $50 deductible per occurrence has first been applied to the cost to repair or replace the Covered Cellular Telephone. This benefit provides coverage for the Covered Cellular Phone associated with the primary / main line and up to two phones associated with additional / secondary lines.
Coverage Conditions/Limitations
• Coverage is in excess of any other applicable insurance or indemnity the Cardholder may have.
• Coverage is limited only to those amounts not covered by any other insurance or indemnity and is subject to a USD† $50 deductible per occurrence with the maximum benefit amount up to USD† $600 per occurrence with a maximum aggregate of USD† $1,200 per twelve (12) month period.
• Coverage is for the lesser of the following amounts: 1) the actual cost to repair the Covered Cellular Telephone; or 2) {up to $600 per claim after a $50 deductible has first been applied to the cost to repair or replace the Covered Cellular Telephone.
• No person or entity other than the Insured Person(s) described shall have any legal or equitable right, remedy or claim for the insurance proceeds arising out of this coverage.
What is NOT Covered (Exclusions)
The following items are excluded from coverage under this plan of insurance:
1. Covered Cellular Telephone accessories other than the standard battery and/or standard antenna provided by the manufacturer;
2. Covered Cellular Telephone(s) purchased for resale or for professional or commercial use;
3. Covered Cellular Telephone(s) that are lost or “Mysteriously Disappear”;
4. Covered Cellular Telephone(s) under the care and control of a common carrier, including, but not limited to, the Postal Service, airplanes or delivery service;
5. Covered Cellular Telephone(s) stolen from baggage unless hand-carried and under the Cardholder’s supervision or under the supervision of the Cardholder’s traveling companion who is previously known to the Cardholder;
6. Covered Cellular Telephone(s) stolen from a construction site;
7. Covered Cellular Telephone(s) left unattended in a place to which the general public has access;
8. Covered Cellular Telephone(s) which have been rented, leased or borrowed or Cellular Wireless Telephone(s) that are received as part of a pre-paid plan;
9. Cosmetic damage to the Covered Cellular Telephone(s) or damage that does not impact the Covered Cellular Telephones’ ability to make or receive phone calls or ability to function as per it’s intended or designed purpose;
10. Accidental Damage or Theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin;
11. Covered Cellular Telephone(s) that the Cardholder damaged through alteration;
12. Damage or theft resulting from misdelivery or voluntary parting from the Covered Cellular Telephone(s);
13. Replacement Covered Cellular Telephone(s) purchased from other than an authorized seller; cellular service provider’s retail or internet store; or
14. Taxes, delivery or transportation charges or any fees associated with the service provided;
15. 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.
Key Terms and Definitions
Accidental Damage: means items that can no longer perform the function they were intended to do in normal service due to broken parts, material or structural failures.
Account: means an International Use Mastercard® Black Debit card account that is open and in good standing (not cancelled, suspended or delinquent) used to pay for the recurrent Covered Cellular Telephone Bill.
Cardholder: means a person who has an eligible Account and whose name is on the surface (embossed or other) of an eligible Mastercard® Black Debit card provided by an Issuer in the Issuing Territory who charges the monthly bill for an Covered Cellular Telephone to the eligible Mastercard® Black Debit card account.
Covered Cellular Telephone(s): is(are) the cellular telephone(s) associated with the primary/main line and up to the first two phones associated with the additional/secondary lines as listed on the Cardholder’s cellular provider’s monthly billing statement for the billing cycle preceding the month in which the theft or accidental damage occurred.
Good Standing: means an Account that is current in its dues and payments and follows all other requirements from the Issuer.
Insured Person(s): means a Mastercard Black Debit 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 all the Caribbean (except Puerto Rico and USVI).
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.
Mysterious Disappearance: means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
Stolen: means items that are taken by force and/or under duress or a loss which involves the disappearance of the Covered Cellular Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.
Theft: means the illegal act of taking a Covered Cellular Telephone belonging to a Cardholder, without the consent of the Cardholder, with the intent to deprive the owner of its value.
The Company: means a Member Company of AIG Insurance Company underwriting the Insurance coverage, and/or corresponding Reinsurer, if applicable.
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 within ninety (90) days from the date of incident or discovery or your claim may be denied. The Eligible Insured shall take all reasonable measures to protect, save, and/or recover the Covered Cellular Telephone - upon receipt of a notice of claim, the Plan 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 submission period from the date of Claim Notification.
4) Benefits payable under this Policy for any loss will be paid within {30} days after receipt of the written proof of loss and all required information necessary to support the claim.
For assistance with filing a claim, 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).
Claim Notification Period: Within ninety (90) days from the date of the occurrence / incident.
Submission Period: No later than one-hundred twenty (120) days from the date of Claim Notification.
Required information (proof of loss):
The following information is required to substantiate the claim.*
1. the Cardholder’s Mastercard® Black Debit account statement reflecting the monthly Covered Cellular Telephone payments for the month preceding the date the Covered Cellular Telephone was Stolen or Accidentally Damaged;
2. a copy of the Cardholder’s current cellular service provider’s billing statement;
3. a copy of the original Covered Cellular Telephone purchase receipt or other sufficient proof of the Covered Cellular Telephone model currently linked to the Cardholder’s Covered Cellular Telephone account;
4. a copy of the insurance claim to the Cardholder’s homeowner’s, renter’s or personal automobile insurance or any applicable cellular telephone insurance, or in the event that the claim amount is less than the Cardholder’s deductible, a copy of the policy’s declarations page.
5. documentation of any other settlement of the claim.
6. for theft claims, Cardholder must provide official copies of the police report regarding the incident within 48 hours;
7. for accidental damage claims, Cardholder must provide official copies of the repair estimates;
8. cardholder’s statement of account showing the account is open and in Good Standing at the time of filing the claim;
9. Cardholder may be required to send in the damaged item(s), at his/her expense, for further evaluation of the claim.
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
† Indemnity or reimbursement payments will be made in national currency and in a single installment, using the exchange rate indicated in the credit card statement, presented by the cardholder, as proof of expenses or purchase, if applicable. Otherwise, the exchange rate will be applied as disclosed by the Central Bank or corresponding entity, on the date the Insured made the payment to the service provider or made his/her purchases in cash.
General Provisions and Disclaimers
General: These benefits and services are effective for eligible Mastercard® cardholders effective October 1, 2021. 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.
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 Cellular Phone Protection (Accidental Damage and Theft), 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 country 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 country 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.