Download - Visa Cartao Beneficios
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Visa Infinite
Standard benefits
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Table of Contents
Section A. Introduction
A.1. About this Guide ............................................................................................................ 03
A.2. Visa Infinite .................................................................................................................... 04
A.3. Definitions of the Benefits Described in this Guide ....................................................... 04
A.4. General Provisions of the Program ................................................................................ 07
Section B. Insurance Offered
B.1. Travel Insurance - Accidental Death and Permanent Disability in Authorized Public
Transportation ........................................................................................................................ 09
B.2. Personal Accident Insurance - Accidental Death and Permanent Total or Partial
Disability due to Accident (Travel Insured) ........................................................................... 13
B.3. Car Rental Insurance ...................................................................................................... 17
B.4. Baggage Delay Insurance ............................................................................................... 24
B.5. Baggage Loss Insurance ................................................................................................. 28
B.6. Trip Delay Insurance ...................................................................................................... 32
B.7. Trip Cancellation Insurance ............................................................................................ 34
B.8. Extended Warranty ....................................................................................................... 38
B.9. Purchase Protection ....................................................................................................... 42
B.10. Price Protection ............................................................................................................ 47
Section C. Other Benefits
C.1. Compensation for Medical Emergencies ..................................................................... 54
C.2. Travel Assistance Services ........................................................................................... 66
C.3. Emergency Services ...................................................................................................... 67
C.4. Visa Concierge ............................................................................................................... 68
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Section A. Introduction
A.1 About this Guide
This document is intended to be used as a guide for quick reference on the standard benefits
offered to the Visa Infinite Cardholders and their beneficiaries, as defined below.
Here, the cardholder will find information on emergency services, travel assistance, as well as
our diverse portfolio of insurance and coverage offered to protect purchases and Visa Infinite
cardholders, including travel accident insurance, baggage delay or loss insurance, purchase
protection, among others.
The full version of the insurance policy (SUSEP Process No. 08737100109690000043),
executed between Visa International Service Association (Visa) and Chartis Latin America,
I.I. (SUSEP codes No. 005.00160/00 International Travel, 005-00204/00 In-Country
Travel, 15414.002921/2009-69 Purchase Protection, 15414.002823/2009-21 Extended
Warranty, 15414.001459/2009-82 Civil Responsibility, 20- 000391/2012 Special
Condition: Auto Rental) is operated in Brazil by Chartis Seguros Brasil S/A, CNPJ/MF No
33.040.981/0001-50 (hereinafter referred simply as Chartis). Visa acts as merely the
policyholder in the insurance agreement and
acts before Chartis on behalf of the insureds,
having no obligation to make any payments in
their favor. The registration of the insurance
policy referred to in this guide with SUSEP
does not imply, by the local authority,
inducement or recommendation to its
commercialization.
The benefits referred to in Section C hereof, namely, Compensation for Medical Emergencies,
Travel Assistance, and Visa Concierge are offered to the Visa Infinite cardholders and their
beneficiaries by AXA Assistance USA, Inc. (AXA). The compensation for medical
emergencies provided in Section C will be offered during an eligible trip as defined in Section
C. Other benefits offered in Section C have worldwide coverage and those benefits stem from
a relationship of services rendered which exists between Visa and AXA. Visa is merely taker
of the services of AXA and acts before it on behalf of the beneficiaries, with no obligation to
making any payments in their favor.
Enjoy reading and refer to this guide whenever you have any doubts about the benefits offered
by your Visa Infinite Card. Below you will find some information about this product.
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A.2. Visa Infinite Visa Infinite is Visas most complete and exclusive card, developed for special customers. It
is intended for affluent consumers who are frequently travelling abroad and require the full
availability of services, insurance and credit.
Visa Infinite offers the inclusion of all the benefits Visa offers.
The Visa Infinite Card is accepted in more than 30 million merchants, in 150 countries and
territories, and can be used to withdraw cash in local currency in more than one million
ATMs.
For more information on the benefits provided by your Visa Infinite Card, please access
www.visa-infinite.com, or contact by phone the following numbers through toll free: 0800
891-3679 (Brazil), 1-800-396-9665 (USA and Canada), or collect calls: 1-303-967-1098
(other countries).
A.3. Definitions of the Benefits described in this Guide*
(* = specific restrictions may apply. Please refer to the specific section of the benefit in
question)
BENEFICIARIES: The Visa Infinite CARDHOLDER, his/her spouse and children
considered ECONOMICALLY DEPENDENT, minor of 23 years of age, under - the benefits
provided for in Section C, subject to the provisions of applicable laws.
CUSTOMER SERVICE: Communication channel and available facilities (equipment,
systems and staff) which purpose is to make the interface between Visa and customers. It can
be accessed through the following telephone numbers: 0800-891-3679 (Brazil), 1-800-396
9665 (USA and Canada) and 1-303-967-1098 (other countries), and can always be made by
collect call.
INSURANCE COMPANY: Chartis Seguros Brasil S/A, CNPJ/MF No. 33.040.981/0001-50.
INSURED: An active CARDHOLDER, his/her spouse and unmarried dependent children
under age 23, under the benefits provided for in Section B.
SEVERE WEATHER CONDITIONS: any weather condition that causes a delay in the
arrival time and/or departure of a given MEANS OF TRANSPORTATION, as originally
contracted with a TRANSPORTATION COMPANY.
SPOUSE: person related to the CARDHOLDER by marriage or common-law marriage
(unio estvel), under the applicable laws in force.
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ECONOMIC DEPENDENTS: CARDHOLDERs single children and under 23 years old
who cumulatively: (a) reside with the CARDHOLDER or are under his/her responsibility; and
(b) are financially supported by the CARDHOLDER. This definition includes the
CARDHOLDERs stepchildren.
DISMEMBERMENT: loss of members of the body, as well as of sight, speech or hearing.
TRANSPORTATION COMPANY: company that operates a MEANS OF
TRANSPORTATION, including an AIRLINE COMPANY.
AIRLINE COMPANY: company listed in the Official Airline Guide (OAG) or in the ABC
World Airways guide and that has a license, certificate or similar authorization for the regular
air transportation issued by the competente authorities of the country in which the aircraft is
registered and, in accordance with such authorization, maintains and publishes flight
schedules and service fees to passengers for flights between airports at regular and specific
schedules.
EQUIPMENT FAILURE: any sudden and
unforeseen damage to the equipment of a
TRANSPORTATION COMPANY that causes a
delay or interruption of the scheduled COVERED
TRIP.
CLAIM FORM: document to be supplied by
CUSTOMER SERVICE, upon notification of an
incident or request for benefit, which must be filled
out and returned together with the required
documents within the deadlines for each of the
benefits presented.
MEANS OF TRANSPORTATION: any means of
transport operated by a TRANSPORTATION COMPANY under a valid license for paid
transportation of passengers, including:
AIR: aircraft operated by an AIRLINE COMPANY, duly authorized by the
competent authorities to operate regular scheduled flights;
LAND AND SEA: all those included in this definition, WITH THE
EXCLUSION OF (i) rental vehicles, except those that have been rented by a
TRANSPORTATION COMPANY for paid transportation of passengers; (ii)
taxis, (iii) car rental companies transfers, hotels or parking outside the
boundaries of the airport;
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TRANSFERS used immediately before boarding or after disembarking from an
aircraft operated by an AIRLINE COMPANY, provided that they are connected
to the COVERED TRIP; and
TRANSFERS included in the COVERED TRIP.
CARDHOLDER: individual who holds an active and valid Visa Infinite Card, issued in its
name in Brazil, as holder or additional holder.
COVERED TRIP: an itinerary, in any part of the world, including
the Insured's country of residence, regardless of origin or
destination. INSURED JOURNEY: an itinerary in any part of the world that
is outside the Insured's country of card issuance with a minimum of 150 km
from the Insured's place of residence. Both must satisfy any of the following
characteristics:
full amount of the tickets were paid with a valid Visa Infinite Card; or
the tickets were purchased by redeeming points from a loyalty program,
provided that the boarding fee and possible taxes due have been paid with a Visa
Infinite Card; or
if no boarding fee or taxes are levied, just the tickets purchased through
redemption of points obtained upon utilization of the Visa Infinite Card.
ATTENCTION
BENEFITS PROVIDED TO VISA INFINITE CARD IN THIS GUIDE REFER TO VISA
INFINITE CREDIT FUNCTION. FROM JULY 01st, 2014 THE BENEFITS ARE ALSO
VALID FOR PURCHASES IN VISA INFINITE DEBIT FUNCTION FOR CARDS THAT
HAVE IN THEIR PLASTICS CREDIT AND DEBIT FUNCTIONS (KNOWN AS COMBO
CARDS OR MULTIPLE CARDS).
THE BENEFITS LISTED IN THIS GUIDE DOES NOT APPLY TO:
VISA ELECTRON CARD WHEN USED ONLY IN DEBT (KNOWN AS DEBIT PURE
CARDS) FUNCTION;
VISA INFINITE CARD ISSUED FOR COMPANIES; AND
PREPAID CARDS.
The DEFINITION OF INSURED, COVERED TRIP AND INSURED JOURNEY DO NOT
APPLY TO SECTION C OF THIS GUIDE.
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THE COMPENSATION FOR MEDICAL EMERGENCIES AND TRAVEL ASSISTANCE
BENEFIT UNDER SECTION C ARE ONLY APPLICABLE TO ELIGIBLE TRIPS (AS
DEFINED UNDER SECTION C) WHICH ARE OUTSIDE THE BENEFICIARY'S
COUNTRY OF RESIDENCE AND THE COUNTRY OF CARD ISSUANCE.
A.4. GENERAL PROVISIONS OF THE PROGRAM
HOW DO I SUBMIT A REQUEST?
The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDERs representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in
any case, within the time limit established for each of the benefits provided, even if not yet in
possession of the documents that will support the CLAIM FORM. Delayed communication
may result in the loss of benefit.
The CUSTOMER SERVICEs operator will answer any of the CARDHOLDERs questions and send a CLAIM FORM.
Upon receiving the CLAIM FORM, the CARDHOLDER, the one designated by the
CARDHOLDER or the CARDHOLDERs representative, as applicable, must fill out the form and return it along with the required documentation required for each offered benefit.
These documents must be submitted up to 90 days (depending on the program) from the
initial contact with the CUSTOMER SERVICE to the addresses below:
If the request is for the benefits provided for in Section B of this guide (Insurance Offered):
Claims Administrator: Visa Card Benefits Administration (VCBA)
Maip 255- Piso 17
C1084 ABE, Buenos Aires, Argentina
If the request is for the benefits provided for in Section C of this guide (Other Benefits):
AXA
122 S. Michigan Avenue
Suite 1100
Chicago, Illinois 60603
LOSS OF BENEFITS
The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the
insured property under this program.
INSUREDS/BENEFICIARIES will lose their right to the benefits and payment of any
compensation under the terms of this program if they make any claim they know to be false or
fraudulent in any respect.
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CONVERTING AMOUNTS INTO FOREIGN CURRENCY
The foreign currency amounts mentioned in this guide will be converted into Brazilian reais
based on foreign currencys sale rate (PTAX 800) published by the Central Bank of Brazil [at the day the credit card cycle is closed for the month after the incident occur and is reflect in
the Account statement. In the event this information is not available, the FX rate to be used
will be the one from the day before the payment of the claim.
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Section B. Insurance Offered
This guide contains a summary of the insurance policy executed between Visa and the
INSURANCE COMPANY with respect to the insurance coverage offered to
CARDHOLDERS.
In case of discrepancies between this guide and the policy, the provisions established in
the accepted policy and in full force in the jurisdiction in which your Visa Infinite Card
was issued will always prevail. In Brazil, the insurance coverage is offered by Chartis
Seguros Brasil S/A.
Should VISA cancel or refuse to renew any of the insurance coverage offered to
CARDHOLDERS, the financial institution that issued the Visa Infinite Card will notify the
CARDHOLDERS at least 60 days in advance. Should the INSURANCE COMPANY not
renew or cancel any of the coverage provided, CARDHOLDERS will be notified at least 60
days before the expiration of the policy. In the event that a substantially similar coverage
comes into force, with no interruptions whatsoever, the notification will not be required.
When applicable, the INSURANCE COMPANY will reimburse the INSURED directly, once
the process has been completed. No payment will be made until CUSTOMER SERVICE has
received all required documentation.
If a payment is made, the INSURANCE COMPANY will have the right to be reimbursed for
the amounts paid to other parties or persons.
Any party or person to whom the INSURANCE COMPANY has made a payment must
transfer to it of its/his/her rights to credit that said party or person might have against any
other party or person in connection with the portion of the compensation paid by the
INSURANCE COMPANY. Said party or person must make all necessary efforts to preserve
these rights and refrain from performing any act that may harm them.
B.1. Travel Insurance - Accidental Death and Permanent
Disability in Authorized Public Transportation
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
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Basic benefits
INSUREDS will be automatically covered worldwide, up to the limit of this coverage, against
accidental bodily injuries that are the sole cause of death or DISMEMBERMENT during a
COVERED TRIP, while using a MEANS OF TRANSPORTATION operated by a
TRANSPORTATION COMPANY, including boarding or disembarking, or the use of transfers.
The full fare must be charged to a Visa Infinite Card.
AS PROVIDED BY ARTICLE 109 OF DECREE-LAW 2.063/40 AND ARTICLE 8 OF
SUSEPS RESOLUTION 302/2005, INSUREDS DO NOT INCLUDE ECONOMIC DEPENDENTS WHO ARE FOURTEEN (14) YEARS OLD OR YOUNGER FOR PURPOSES
OF THE COMPENSATION FOR DEATH PROVIDED UNDER THIS INSURANCE.
CARDHOLDERS will also be entitled to such coverage when riding a means of transportation, such
as buses, provided that carrier is licensed to carry passengers to or from a commercial aircraft, if this
means of transport is included in the price of the airline ticket or if the airport provides said means of
transportation within its facilities.
This insurance is provided at no cost to CARDHOLDERS.
In the event the bodily injuries cause death or DISMEMBERMENT, the benefits will be paid as
described below:
Damage Due Percentage of
the benefit
Accidental death 100%
Loss of both hands and/or both feet, sight of both eyes, speech and
hearing in both ears, one hand and one foot or even one hand or foot and
sight in one eye
100%
Accidental loss of a hand or foot, sight in one of the eyes, speech or
hearing in both ears 50%
Accidental loss of thumb and index finger on the same hand 25%
TO BE UNDERSTOOD AS:
Loss of Hand or Foot: depending on the case, loss of limbs beyond the wrist or below the knee;
Loss of Sight: total and irreparable loss of vision; Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears.
Should the INSURED suffer multiple injuries as a result of a single accident, the CARDHOLDER
AND/OR BENEFICIARY/IES will receive the greatest individual benefit applicable. The benefit for
the death of the INSURED will be paid to the first surviving BENEFICIARY, as follows:
Spouse or, if none; Children, in equal shares or, if none;
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Parents, in equal shares or, if none; Siblings, in equal shares of, if none; or Executor or trustee appointed by the local courts.
In the event of injuries resulting from the fact that the INSURED has inevitably been exposed to the
accident, benefits will be paid as if they resulted from the injury. The injury must occur within 365
days following the accident.
Except for cases in which the INSURED is declared presumably dead by a court of law, the
INSURANCE COMPANY will only pay the death benefit if the INSUREDbody fails to be located
within one year following the forced landing, shipwreck, sinking or destruction of the MEANS OF
TRANSPORTATION in which the INSURED was carried as a passenger, at which time his/her death
will be recognized.
THIS INSURANCE DOES NOT COVER LOSSES CAUSED BY:
EMOTIONAL TRAUMA, PHYSICAL OR MENTAL ILLNESS, PREGNANCY, CHILDBIRTH OR MISCARRIAGE, BACTERIAL OR VIRAL INFECTION (OTHER
THAN BACTERIAL INFECTION CAUSED BY ACCIDENT OR BY ACCIDENTAL
INGESTION OF A SUBSTANCE CONTAMINATED BY BACTERIA) OR ANY OTHER
PHYSIOLOGICAL DYSFUNCTION OF THE INSURED;
SUICIDE, ATTEMPTED SUICIDE OR SELF-INFLICTED INJURIES; WAR, DECLARED OR NOT, EXCLUDING GUERRILLA ACTIONS; and INJURIES SUFFERED BY THE INSURED WHILE TRAVELING BY TAXI OR WHILE
ENTERING OR EXITING SAID VEHICLE.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
This insurance is effective from July 1, 1997, from the date on which the issuer of your card
contracted this coverage or from the date on
which your card was issued, whichever occurred
last, and will terminate on the expiration date of
the policy or on the date on which you cease to be
a HOLDER of this CARD, whichever comes first.
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Benefit Amount of benefit
Visa Infinite US$ 1,500,000
The CARDHOLDER, the one designated by the CARDHOLDER or the
CARDHOLDERs representative, as applicable, must contact the CUSTOMER
SERVICE immediately after (i) the INSUREDs date of DISMEMBERMENT or
death, (ii) the date on which the INSURED was declared presumably dead by a court
of law, or (iii) one year elapsed without having located the INSUREDs body, as
applicable. Delayed communication may result in the loss of the benefit.
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B.2. Personal Accident Insurance - Accidental Death and
Permanent Total or Partial Disability due to Accident
(Travel Insured)
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
INSUREDS will be automatically covered up to the value of benefit against accidental bodily
injuries that are the sole cause of death or DISMEMBERMENT arising from an accident that
occurs during a INSURED JOURNEY. The full fare must be charged to a Visa Infinite Card.
AS PROVIDED BY ARTICLE 109 OF DECREE-LAW 2.063/40 AND ARTICLE 8 OF
SUSEPS RESOLUTION 302/2005, INSUREDS- DO NOT INCLUDE ECONOMIC DEPENDENTS WHO ARE FOURTEEN (14) YEARS OLD OR YOUNGER FOR PURPOSES
OF THE COMPENSATION FOR DEATH PROVIDED UNDER THIS INSURANCE.
Coverage begins when the INSURED disembarks from the MEANS OF TRANSPORTATION at the
INSURED JOURNEYs destination, and expires as soon as the -INSURED boards a MEANS OF
TRANSPORTATION bound for the final destination, as designated in the ticket.
THIS INSURANCE DOES NOT COVER ACCIDENTS THAT OCCUR DURING TRAVEL TO
AND FROM AN INSURED JOURNEY WHILE IN, ON, OR ALIGHTING FROM the MEANS OF
TRANSPORTATION. This coverage is meant to complement and not duplicate the coverage provided
by the Travel Accident Insurance on your Visa Infinite Card.
What is the benefit?
Should an accidental bodily injury result in death or DISMEMBERMENT within a period of 365 days
following the incident, including loss of vision, speech or hearing, the following benefits will be paid:
Damage Due Percentage of
the benefit
Accidental death 100%
Loss of both hands and/or both feet, sight of both eyes, speech and
hearing in both ears, one hand and one foot or even a hand or foot and
sight in one eye
100%
Accidental loss of a hand or foot, sight in one eye, speech or hearing in 50%
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both ears
Accidental loss of thumb and index finger on the same hand 25%
TO BE UNDERSTOOD AS:
Loss of Hand or Foot, depending on the case: loss of limbs beyond the wrist or below the knee;
Loss of Sight: total and irreparable loss of vision; Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears.
In the event of injuries resulting from the fact that the -INSURED has inevitably been exposed to the
accident, the benefits will be paid as if they resulted from the injury. The injury must occur within 365
days following the accident.
Except for cases in which the INSURED is declared
presumably dead by a court of law, the INSURANCE
COMPANY will only pay the loss of life benefit if the -
INSUREDs body fails to be located within one year following
the forced landing, shipwreck, sinking or destruction of the
MEANS OF TRANSPORTATION in which the INSURED
was carried as a passenger, at which time his/her death will be
recognized.
Should the INSURED suffer multiple injuries as a result of a
single accident, the CARDHOLDER AND/OR BENEFCIARY
(IES) will receive the greatest individual benefit applicable. The
INSUREDS death benefit will be paid to the first surviving
BENEFICIARY, as follows:
Spouse or, if none; Children, in equal shares or, if none; Parents, in equal shares or, if none; Siblings, in equal shares or, if none; Executor or trustee appointed by the local courts.
What is not covered by the insurance?
1. INTENTIONALLY SELF-INFLICTED INJURIES;
2. SUICIDE OR ATTEMPTED SUICIDE IN A SANE MENTAL STATE:
3. DISEASES, UNLESS OTHERWISE PROVIDED FOR IN THE INSURANCE
POLICIES;
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4. BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN
INJURIES OR IF DEATH IS RESULTED BY ACCIDENTAL INGESTION OF A
SUBSTANCE CONTAMINATED BY BACTERIA;
5. DAMAGES ARISING OUT OF ACTS OF WAR, DECLARED OR NOT;
6. ACCIDENTS THAT OCCURRED WHILE A PASSENGER IS (I) OPERATING,
LEARNING HOW TO OPERATE, OR SERVING AS A CREW MEMBER OF AN
AIRCRAFT;
7. DAMAGES IN WHICH ONE OF THE CONCURRENT CAUSES HAS BEEN THE
PRACTICE OF, OR ATTEMPT TO PRACTICE, AN ILLEGAL ACT ON BEHALF
OF A BENEFICIARY;
8. PARTICIPATION IN ANY CONTACT SPORT OR TEAM PROFESSIONAL, SEMI-
PROFESSIONAL OR COLLEGE SPORT;
9. PARTICIPATION IN EXTREME SPORTS, AS WELL UNDERSTOOD BY SPEED
COMPETITIONS WHERE THEY USE MOTOR VEHICLES OR BIKES,
PARACHUTING, SKYDIVING, HANG GLIDING, BUNGEE JUMPING, SKI,
SCUBA DIVING, CLIMBING, SPELUNKING, OR MOTORCYCLE RACING
ABOVE 100CCS; 10. DAMAGES OCCURRED WHILE THE INSURED WAS SERVING IN THE ARMY,
NAVY OR AIR FORCE, IN ANY COUNTRY;
11. DAMAGES WHEN UNDER THE INFLUENCE OF DRUGS, ALCOHOL OR
OTHER DRUGS, EXCEPT AS PRESCRIBED BY A QUALIFIED PROFESSIONAL
AND TAKEN TO TREAT DRUG ADDICTIONS, AS INDICATED IN THE
MEDICAL PRESCRIPTIONS;
12. DEPRESSION, ANXIETY, MENTAL OR NERVOUS DISORDERS OR
TREATMENTS KNOWN AS "REST CURES";
13. PREGNANCY AND PREGNANCY-RELATED CONDITIONS, INCLUDING
FERTILITY TREATMENT OR OTHER MEDICAL ISSUES RELATED TO A
WOMANS INABILITY TO CONCEIVE; 14. INSURED TRAVELING AGAINST A PHYSICIANS RECOMMENDATIONS; 15. ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE, DIRECTLY OR
INDIRECTLY ATTRIBUTABLE TO THE HIV VIRUS AND/OR HIV-RELATED
CONDITIONS, INCLUDING AIDS AND/OR ANY MUTATIONS OR VARIATIONS
THEREOF OR SOMEHOW CAUSED BY IT;
16. ANY EXPENSES COVERED BY POLICIES AND INSURANCE POLICIES
RELATED TO WORKERS COMPENSATION OR EMPLOYEE RISKS. 17. ELECTIVE PLASTIC AND COSMETIC SURGERY, EXCEPT WHEN MEDICALLY
REQUIRED AS THE RESULT OF DAMAGES;
18. ANY DAMAGE RESULTING IN A HERNIA;
19. ANY PRE-EXISTING CONDITION.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
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General Provisions of the Program This insurance is effective from July 1, 1997, from the date on which the issuer of your card
contracted this coverage, or from the date on which your card was issued, whichever occurred last, and
will terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or
on the date on which you cease to be a CARDHOLDER, whichever comes first.
Card Amount Insured
Visa Infinite US$ 75,000
The CARDHOLDER, the one designated by the CARDHOLDER or the
CARDHOLDERs representative, as applicable, must contact the CUSTOMER
SERVICE immediately after or within a maximum of 90 days after (i) the -INSUREDs
date of DISMEMBERMENT or death, (ii) date on which the -INSURED was declared
presumably dead by a court of law, or (iii) one year elapsed without having located the -
INSUREDs body, as applicable. Delayed communication may result in the loss of
benefit.
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B.3. Car Rental Insurance
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
Basic benefits
CARDHOLDERS can get Car Rental Insurance, at no additional cost, every time they rent a car using
their Visa Infinite Card.
The CARDHOLDER must decline the Collision Damage Waiver / Loss Damage Waiver
(CDW/LDW) insurance or similar coverage offered by the car rental company.
Basic requirements
To be entitled to this insurance coverage, the CARDHOLDER must:
Use the CARDHOLDERs Visa Infinite Card to book and pay the full cost of the car rental.
All authorized drivers specifically mentioned in the car rental agreement are also covered.
No one other than the CARDHOLDER or authorized drivers, as provided above, will have the right to
any coverage, including the right to reimbursement or to submitting any insurance claims and/or
damages under or arising from this coverage.
Should the CARDHOLDER be unable to decline the car rental companys coverage, this coverage
will be secondary to the coverage offered by the car
rental company and the CARDHOLDER will have to pay
any expenses that exceed the amounts of coverage offered
by the car rental company and the damages for which the
CARDHOLDER may be possibly held liable.
Coverage
The Car Rental Insurance covers up to the market value of
the vehicle or the cost of repairs or replacement of the
rented vehicle, provided that such vehicle is in the
possession of the CARDHOLDER or authorized driver,
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whichever amount is lower.
The following specific costs are included in the insurance policy:
Damage due to collision;
Theft of the vehicle and related costs;
Costs arising from vandalism;
Loss arising from accidental fire, provided that the associated responsibility is attributable to the CARDHOLDER or authorized driver.
THE FOLLOWING SPECIFIC COSTS AND CLAIMS ARE NOT INCLUDED IN THE
POLICY RELATED TO THIS COVERAGE:
ANY OBLIGATION ASSUMED BY THE CARDHOLDER OR AUTHORIZED DRIVER(S) UNDER OTHER AGREEMENTS;
INJURIES TO ANY PERSON OR DAMAGES TO ANY OBJECT INSIDE OR OUTSIDE THE RENTED VEHICLE;
LOSS OR THEFT OF PERSONAL BELONGINGS;
PERSONAL LIABILITY;
EXPENSES ASSUMED OR PAID BY THE CAR RENTAL COMPANY OR BY ITS INSURANCE COMPANY;
THE COST OF THE INSURANCE COVERAGE ACQUIRED THROUGH THE CAR RENTAL COMPANY;
ANY OPERATION AND VEHICLE COSTS IN VIOLATION OF THE TERMS OF THE CAR RENTAL AGREEMENT;
ANY LOSSES RESULTING FROM INTENTIONAL ACTS, OR FROM THE ADMISSION OF GUILT ON THE PART OF AN AUTHORIZED DRIVER WHO IS PROSECUTED OR
FOUND GUILTY BY A COURT OF LAW OF BEING UNDER THE INFLUENCE OF
DRUGS OR INTOXICATING SUBSTANCES, OR AS A RESULT OF ILLEGAL
ACTIVITIES OR SMUGGLING;
GRADUAL WEAR AND TEAR DUE TO NORMAL USE OR MECHANICAL PROBLEMS;
LOSSES ARISING FROM ANY TYPE OF HOSTILITY (INCLUDING WAR, INVASION, REBELLION OR INSURRECTION)
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CONFISCATION BY THE AUTHORITIES;
LOSSES RESULTING FROM RENTING VEHICLES THAT DO NOT MEET THE DEFINITION OF COVERED VEHICLES;
LEASES AND MINI-LEASES;
LOSSES OCCURRED DURING A BREACH OF THE CAR RENTAL AGREEMENT;
LOSSES THAT ARE ALREADY COVERED BY THE INSURANCE COVERAGE CONTRACTED DIRECTLY WITH THE CAR RENTAL COMPANY;
RENTALS EXCEEDING THIRTY ONE (31) DAYS WHICH WILL NOT BE COVERED AS FROM THE THIRTY-SECOND (32nd) DAY;
LOSSES REPORTED 30 DAYS AFTER THE INCIDENT;
LOSSES RESULTING FROM FREEZING, ARID EROSION, MECHANICAL FAILURE, ELECTRICAL FAILURE EXCEPT FOR THOSE ARISING FROM THE OTHER LOSSES
COVERED BY THE INSURANCE POLICY;
LOSSES OCCURRING ON ROADS NOT MAINTAINED BY THE GOVERNMENT OR THAT ARE NOT IN PROPER STATE FOR USE;
LOSSES RESULTING FROM FIRE NOT CAUSED BY A COVERED EVENT;
LOSSES ATTRIBUTABLE TO THE CARDHOLDERS OR AUTHORIZED DRIVERS TOTAL NEGLIGENCE (EX: LEAVING THE CAR ENGINE ON WITH NO
SUPERVISION);
LOSSES RELATED TO DISASTERS AND OTHER NATURAL CAUSES (EX: HAIL, LIGHTNING AND FLOODING);
LOSSES OCCURRING WHILE THE VEHICLE WAS SUBLEASED OR TRANSPORTING PEOPLE OR CARGO UPON PAYMENT OF FARE OR FREIGHT FEE, RESPECTIVELY;
LOSSES CAUSED BY CARDHOLDERS OR AUTHORIZED DRIVERS TO THEIR ASCENDANTS, DESCENDANTS, SPOUSE AND SIBLINGS, AS WELL AS TO ANY
RELATIVES OR PERSONS WHO RESIDE WITH THEM OR WHO RELY ON THEM
ECONOMICALLY;
LOSSES RESULTING FROM ACCIDENTS OCCURRING AS A DIRECT RESULT OF A VIOLATION OF LEGAL PROVISIONS, SUCH AS; MAXIMUM NUMBER OF
PASSENGERS, SIZE AND WEIGHT;
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FINES AND PENALTIES IMPOSED UPON THE CARDHOLDER OR AUTHORIZED DRIVER AND ANY EXPENSES RELATED TO CRIMINAL ACTIONS OR
PROCEEDINGS;
LOSSES RESULTING FROM TECHNICAL/PROFESSIONAL SPECIALIZED SERVICES PROVIDED TO THE VEHICLE AND UNRELATED TO ITS LOCOMOTION;
LOSSES OCCURRING WHILE THE INSURED VEHICLE WAS PARTICIPATING IN COMPETITIONS, SPORTING EVENTS, BETS OR RACES;
LOSSES RESULTING FROM IONIZING RADIATIONS OR RADIOACTIVE CONTAMINATIONS, FROM ANY TYPE OF RESIDUAL NUCLEAR COMBUSTION;
PROPERTY AND PROFIT LOSSES NOT DIRECTLY RESULTING FROM THE MATERIAL AND BODILY INJURIES DAMAGES COVERED BY THE INSURANCE
COMPANY;
MORAL DAMAGES; and
DAMAGES CAUSED BY POLLUTION OR CONTAMINATION OF THE ENVIRONMENT.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
What happens if the car rental company insists that the CARDHOLDER buy its insurance?
The CARDHOLDER should ask the car rental companys representative to call theCUSTOMER
SERVICE using the toll free number assigned to the country, or make a collect call from any country
of the world. The CUSTOMER SERVICE will provide a confirmation of the coverage or a coverage
certification.
Where and when is coverage effective?
This insurance becomes effective when the CARDHOLDER rents a vehicle eligible for the coverage;
this coverage is available 24 hours a day and will remain in effect while the vehicle is in the
possession of the CARDHOLDER or any of the drivers named in the car rental agreement. The
coverage will terminate as soon as the rental car is returned to the car rental company. Vehicles rented
for rental periods of more than thirty-one (31) days are not covered from the thirty-second (32nd) day
on.
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What type of insurance coverage is provided?
"Primary" coverage is offered. Should the CARDHOLDER be unable to decline the car rental
companys coverage, this coverage will be secondary to the coverage offered by the car rental
company and the CARDHOLDER will have to pay any expenses that exceed the amounts of coverage
offered by the car rental company and the damages for which the CARDHOLDER may possibly be
held liable.
What vehicles are covered?
Most cars are covered.
SOME OF THE RENTED CARS NOT COVERED INCLUDE:
LUXURY OR EXOTIC CARS, INCLUDING BUT NOT LIMITED TO ASTON-MARTIN, BENTLEY, BRICKLIN, DAIMLER, DELOREAN, EXCALIBUR, FERRARI, JENSEN,
LAMBORGHINI, LOTUS, MASERATI, PORSCHE AND ROLLS-ROYCE;
VERY OLD VEHICLES (MORE THAN 20 YEARS OLD OR LEFT TO BE MANUFACTURED IN THE LAST 10 YEARS);
TRUCKS, PICK-UPS FOR COMMERCIAL USE, MOTORCYCLES, MOPEDS, MOTORIZED BIKES, LIMOUSINES AND RECREATIONAL VEHICLES.
4x4 JEEPS ARE COVERED, PROVIDED THAT THEY ARE BEING DRIVEN ON ROADS MAINTAINED BY THE GOVERNMENT.
MINIVANS TYPE VEHICLES THAT ARE USED TO CARRY MORE THAN 10 PASSENGERS (INCLUDING DRIVER).
MINIVANS TYPE VEHICLE NOT DESIGNED TO TRANSPORT PASSENGERS.
Should the CARDHOLDER have any questions regarding a
specific vehicle, he/she should contact the CUSTOMER
SERVICE.
What should the CARDHOLDER do in the event of an accident or theft?
If the CARDHOLDER is involved in an accident or the rented
vehicle is stolen, he/she should contact the CUSTOMER
SERVICE immediately. A representative will answer any questions the CARDHOLDER or the car
rental company representative may have, and will send a CLAIM FORM to the CARDHOLDER.
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The car rental company might require that the CARDHOLDER pay for the damages with his/her Visa
card. Should this occur, the INSURANCE COMPANY will reimburse the CARDHOLDER directly
for the amount, after the claim has been processed.
The CARDHOLDER, the one designated by the CARDHOLDER or the
CARDHOLDERs representative must contact the CUSTOMER SERVICE
immediately or within a maximum of 30 days after the date of the accident or theft,
even if not yet in possession of the documentation that will support the CLAIM FORM.
Delayed communication may result in the loss of the benefit.
What does the CARDHOLDER need from the car rental company in order to submit a CLAIM FORM?
Upon the occurrence of an accident or return of the rented car on which a claim is being made, the
CARDHOLDER must request the following documents from the car rental company:
A copy of the accident report and a request form indicating the costs for which the CARDHOLDER is responsible;
A copy of the car rental agreement;
A copy of the repair estimate and final repair invoice;
If available, two photographs of the vehicle showing the damages;
For claims including loss of use charges by the car rental company, a copy of the daily utilization record for the loss period, if available;
A copy of the police report or accident report (if any).
How is the claim submitted?
Within the timeframes stated in the CLAIM FORM provided by the VISA representative, the
CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDERs representative
must fill out and sign the CLAIM FORM and send it to the address provided therein along with:
A copy of the sales receipt or document showing that the full cost of the booked and rented car was charged and paid with CARDHOLDERs Visa Infinite Card;
All of the documentation provided to the CARDHOLDER by the car rental company (see the list of documents) must be submitted to the CUSTOMER SERVICE within the timeframes
established in the CLAIM FORM.
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The claim will remain open during a period of 12 months following the date of loss. During that
period, the CARDHOLDER must support the claim with all of the required documents. No payment
will be made until our CUSTOMER SERVICE has received all the necessary documentation at its
offices.
What else should the CARDHOLDER do?
In normal circumstances, the claim will be paid within a period of 15 days from the date our
CUSTOMER SERVICE receives all required documentation. However, as soon as the claim is paid,
all rights against any person in connection with the incident will be transferred to the INSURANCE
COMPANY.
This means that the INSURANCE COMPANY will have the right to file suit on its own and on behalf
of the CARDHOLDER. The CARDHOLDER will assist the INSURANCE COMPANY in all
manners, as reasonably requested by the INSURANCE COMPANY, in order to help the
INSURANCE COMPANY enforce any rights or recourse the INSURANCE COMPANY may have,
which includes signing all of documents required by the INSURANCE COMPANY to file a suit on
behalf of the CARDHOLDER.
General Provisions of the Program
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
This Car Rental Insurance will be applied to all car rental agreements in force before the date of
cancelation or non-renewal of this policy, provided that all of the other terms and conditions of the
coverage are met.
Cardholders card Area of Coverage
Visa Infinite Worldwide**
** Coverage includes cardholders country of card issuance, only if allowed by local regulations.
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B.4. Baggage Delay Insurance
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
The INSUREDS will be automatically covered, up to a maximum of US$500 each, for reasonable
unavoidable expenses incurred for the emergency replacement of essential items during a COVERED
TRIP if, during said COVERED TRIP, the TRANSPORTATION COMPANY delays delivery of
their baggage, misdirects it or temporarily loses it for over six (06) hours, or if baggage delivery is
delayed as a result of TRANSPORTATION COMPANYs financial collapse. The full fare must be
charged to a Visa Infinite Card.
All claims must be submitted to the TRANSPORTATION COMPANY.
Conditions
ALL CLAIMS MUST BE SUPPORTED BY WRITTEN PROOF FROM THE
TRANSPORTATION COMPANY
STATING THAT BAGGAGE DELIVERY
WAS DELAYED, PLUS ORIGINAL
RECEIPTS FOR THE ESSENTIAL
REPLACEMENT ITEMS PURCHASED AS
A RESULT OF THE LUGGAGE BEING
DELAYED.
THE BAGGAGE MUST BE DELAYED FOR OVER SIX (06) HOURS DURING a COVERED TRIP;
CONFISCATION OR SEIZURE OF BAGGAGE BY CUSTOMS OR OTHER GOVERNMENT AUTHORITY WILL NOT BE GROUNDS FOR A BAGGAGE DELAY
CLAIM.
THIS INSURANCE WILL ONLY CONSIDER CLAIMS FOR CLOTHING ITEMS OR ESSENTIAL ITEMS ACQUIRED AS A RESULT OF A BAGGAGE DELAY THAT ARE
ACQUIRED WITHIN FOUR (04) DAYS OF INSUREDS ARRIVAL AT THE
DESTINATION;
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ANY ALLEGEDLY DELAYED OR LOST BAGGAGE MUST BE FORMALLY CLAIMED BY INSUREDS AT THE PORT OF DESTINATION BY SUBMITTING THE
APPROPRIATE DOCUMENTATION TO THE TRANSPORTATION COMPANY;
INSUREDS WILL BE REIMBURSED UP TO THE MAXIMUM AMOUNT OF THE BENEFIT THAT EXCEEDS THE AMOUNTS PAID BY OR OWED BY THE
TRANSPORTATION COMPANY RESPONSIBLE FOR THE LOSS OR ANY OTHER
VALID INSURANCE COVERAGE.
THE INSURED MUST PAY FOR THE ESSENTIAL ITEMS WITH CASH OR A VISA CARD. PURCHASES PAID FOR WITH A CREDIT OR DEBIT CARD ISSUED BY
ANOTHER ISSUER WILL NOT BE COVERED;
THE COVERAGE ESTABLISHED IN THIS SECTION COMES INTO EFFECT ONLY AFTER THE CUSTOMER LEAVES HIS/HER POINT OF DEPARTURE;
THE BENEFIT WILL BE A MAXIMUM OF US$100 PER HOUR, STARTING FROM THE SEVENTH HOUR, UP TO FIVE ADDITIONAL HOURS. THE MAXIMUM BENEFIT IS
US$500.
Exclusions
No expenses or claims will be covered in the event that:
AN ALTERNATIVE AND SIMILAR MEANS OF TRANSPORTATION IS OFFERED WITHIN SIX (06) HOURS OF THE SCHEDULED DEPARTURE TIME OF THE
BOOKED FLIGHT OR WITHIN SIX (06) HOURS OF THE ACTUAL ARRIVAL OF THE
FLIGHT (IN CASE OF A CONNECTING FLIGHT), OR
IF THE CARDHOLDER FAILS TO CHECK-IN ACCORDING TO HIS/HER SCHEDULED ITINERARY, EXCEPT IN THE EVENT OF A STRIKE, INTENTIONAL WORK DELAY
DUE TO LABOR DISPUTES OR SIMILAR, OR
IF THE DELAY IS DUE TO AN INDUSTRIAL STRIKE, INTENTIONAL WORK DELAY DUE TO LABOR DISPUTES, MECHANICAL OR ELECTRICAL MALFUNCTION OR
MALFUNCTION OF THE AIRCRAFT OR VESSEL ON WHICH THE INSURED WAS
SCHEDULED TO TRAVEL, WHICH EXISTED OR FOR WHICH ADVANCE NOTICE
WAS GIVEN ON THE START DATE OR PRIOR TO THE START DATE OF THE
COVERED TRIP, OR
IF THE DELAY IS DUE TO TEMPORARY OR PERMANENT SUSPENSION OF THE SERVICE OF AN AIRCRAFT OR TRANSPORTATION COMPANY BY ORDER OR
RECOMMENDATION OF ANY PORT AUTHORITY OR THE CIVIL AVIATION
AUTHORITY OR SIMILAR AUTHORITY OF ANY COUNTRY, FOR WHICH THE
CARDHOLDER WAS GIVEN ADVANCE NOTICE ON THE START DATE OR PRIOR
TO THE START DATE OF THE COVERED TRIP, INCLUSIVE, OR
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IF THE TRANSPORTATION COMPANY THAT CAUSED THE DELAY IS ABLE TO REPAY THE COST OF EXPENSES, OR
IF THE DELAY RESULTED FROM A SUSPECTED BOMB THREAT, OR
IF THE INSURED HAS RETURNED TO HIS/HER POINT OF DEPARTURE OR USUAL PLACE OF RESIDENCE.
What should the INSURED do if the TRANSPORTATION COMPANY loses the INSUREDs baggage while it is under its care, control, and custody? The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably
before leaving the baggage claim area, or within seven (07) days ofINSUREDs arrival, and submit a
CLAIM FORM supported by the baggage claim receipts.
How do I submit a claim?
After receiving and filling out the CLAIM FORM, the INSURED must submit this to our
CUSTOMER SERVICE, along with the following documentation:
Copy of bank or card statement, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY for the portion of the trip for which the luggage has
been delayed, so as to prove that the full fare has been paid for with a Visa Infinite Card;
Written proof from the TRANSPORTATION COMPANY that the baggage was delayed, and
Any additional information to support the claim.
The INSURED, the person designated by the -INSURED or the -INSUREDs
representative must contact our CUSTOMER SERVICE immediately or within no
more than 30 days after the date of arrival, even if all the documentation that will
support the CLAIM FORM is not yet available. Delayed communication may result in
the loss of benefit.
General Provisions of the Program
This insurance is effective from December 1, 2003, from the date on which your bank has contracted
this coverage, or from the date on which your card was issued, whichever occurred last, and will
terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or on the
date you cease to be an INSURED, whichever comes first.
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This is a summary of the insurance policy. For more information on the insurance policy
executed between Visa and the INSURANCE COMPANY, including the definitions and
exclusions applicable to this benefit and information on how to submit a claim, please
see the Introduction section of this guide.
Benefit Amount of benefit
Visa Infinite US$ 500
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B.5. Baggage Loss Insurance
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
The INSUREDS will be covered automatically for the maximum limit of the benefit (see table below)
for any baggage that is lost due to theft or misdirection while in the care, custody and control of a
TRANSPORTATION COMPANY licensed to transport passengers for a fare, during a COVERED
TRIP, provided that the full travel fare has been paid for with a Visa Infinite Card.
All claims must be submitted to the TRANSPORTATION COMPANY.
What is the maximum amount of reimbursement?
The INSURED will be reimbursed up to the maximum amount of the benefit (see table below) for any
amount that exceeds the amounts paid or owed by:
the TRANSPORTATION COMPANY responsible for the loss, and
other valid insurance coverage, if any.
Will the coverage still apply if the TRANSPORTATION COMPANY pays a reimbursement?
Yes. Any valid claims for lost baggage and personal belongings in excess of the reimbursement paid
by the TRANSPORTATION COMPANY will be covered up to the maximum limit of the benefit.
What if the INSURED has another valid insurance?
The benefit will complement any other INSUREDs valid and collectible insurance.
If at the time of the occurrence of any loss there is other valid and collectible insurance in place, the
INSURED will be reimbursed only for the excess of the amount of loss, over the amount of other
insurance and any applicable deductible.
How is the amount of reimbursement determined? The INSURANCE COMPANY may choose to:
pay for the cost of replacement, or
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for a pair or set:
a) fix or replace the missing piece to return the pair or set to its original amount, or
b) pay for the difference of the value of the asset before and after the loss.
What items are not covered?
BENEFITS WILL NOT BE PROVIDED FOR ANY LOSS OF ANIMALS, BIRDS, OR FISH;
AUTOMOBILES OR AUTOMOBILE EQUIPMENT, BOATS, TRAILERS, MOTORCYCLES, OR
OTHER FORMS OF TRANSPORTATION OR THEIR ACCESSORIES (EXCEPT BICYCLES
CHECKED AS BAGGAGE WITH A TRANSPORTATION COMPANY); HOUSEHOLD
FURNITURE; EYEGLASSES OR CONTACT LENSES; DENTURES OR DENTAL BRIDGES;
HEARING AIDS; PROSTHETIC LIMBS; MUSICAL INSTRUMENTS; MONEY OR
SECURITIES; TICKETS OR DOCUMENTS; PERISHABLES AND CONSUMABLES, JEWELRY,
WATCHES, ARTICLES CONSISTING IN WHOLE OR IN PART OF SILVER, GOLD OR
PLATINUM, FURS, ARTICLES TRIMMED WITH OR MADE MOSTLY OF FUR, CAMERAS
(INCLUDING RELATED CAMERA EQUIPMENT), COMPUTERS AND ELECTRONIC
EQUIPMENT.
What are the conditions excluded from the coverage?
NO BENEFITS WILL BE PROVIDED FOR ANY LOSS RESULTING (IN WHOLE OR IN PART)
FROM NORMAL WEAR AND TEAR, INSECTS, PESTS, ADDICTION OR ADDICTION-
RELATED DAMAGES, CONFISCATION OR SEIZURE ORDER BY A GOVERNMENT OR
PUBLIC AUTHORITY; KIDNAPPING OR DESTRUCTION OF ITEM DUE TO QUARANTINE
OR CUSTOMS REGULATION; RADIOACTIVE CONTAMINATION, OVERTHROW AND
MEASURES TAKEN BY A GOVERNMENT AUTHORITY TO PREVENT, FIGHT OR DEFEND
ITSELF FROM SAID OVERTHROW, SMUGGLING OR ILLEGAL COMMERCIALIZATION,
MYSTERIOUS DISAPPEARANCE OR BREAKING OF FRAGILE OR DELICATE ITEMS,
INCLUDING RADIOS, AUDIO EQUIPMENT AND SIMILAR ITEMS.
What should the INSURED do if the TRANSPORTATION COMPANY loses the INSUREDs baggage while it is under its care, control, and custody?
The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably
before leaving the baggage claim area, or within seven (07) days ofINSUREDs arrival and submit a
formal written complaint supported by the baggage claim receipts to the TRANSPORTATION
COMPANY.
The INSURED will be reimbursed for up to the maximum amount of the benefit (see table below) for
the cost of replacement of the lost baggage and personal effects that is in excess of all other valid and
collectible insurance or reimbursement paid or owed by the TRANSPORTATION COMPANY, as
long as the baggage loss is confirmed by the TRANSPORTATION COMPANY.
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Once the loss of luggage has been confirmed by the TRANSPORTATION COMPANY and the claim
submitted to the TRANSPORTATION COMPANY has been analyzed, the amount of loss in excess
of the TRANSPORTATION COMPANYs reimbursement or any valid insurance will be reimbursed
to the INSURED up to the maximum amount of the benefit. To this end, the INSURED, the person
designated by the INSURED or the INSUREDs representative, depending on the case, must notify
our CUSTOMER SERVICE immediately or within no more than 30 days after the loss of baggage is
confirmed, even if all the documentation that will support the CLAIM FORM is not yet available.
How do I submit a claim?
After receiving and filling out the CLAIM FORM, the INSURED must submit this to our
CUSTOMER SERVICE, together with the following documentation:
Copy of bank or card statement, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY for the itinerary in which the baggage has been lost, so
as to prove that the full fare has been paid for with a Visa Infinite Card;
The documentation related to the final analysis of the claim submitted to the TRANSPORTATION COMPANY, showing that the TRANSPORTATION COMPANY
will no longer take any measures to locate the baggage, and therefore recognizing that the
loss is irreversible; and
Any additional information to support the claim.
The INSURED, the person designated by the INSURED or the -INSUREDs
representative, depending on the case, must contact our CUSTOMER SERVICE
immediately or within no more than 30 days after the loss of baggage is confirmed,
even if all the documentation that will support the CLAIM FORM is not yet available.
Delayed communication may result in the loss of benefit.
General Provisions of the Program
This insurance is effective from January 1, 2001, from the date on which the issuer of your card
contracted this coverage, or from the date on which your card was issued, whichever occurred last, and
will terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or
on the date you cease to be an INSUREDwhichever comes first.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and information on how to submit a
claim, please see the Introduction section of this guide.
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Benefit Amount of benefit
Visa Infinite US$ 1,500
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B.6. Trip Delay Insurance
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
The INSUREDS will be covered automatically up to the benefit amount, as established below, for
reasonable expenses if their COVERED TRIP is delayed for more than six hours due to a Covered
Hazard, provided that the full travel fare has been paid for with a Visa Infinite Card. Coverage is in
excess of any other applicable insurance. INSUREDS will be reimbursed up to the maximum amount
of the benefit in excess of any amounts paid by or owed by the TRANSPORTATION COMPANY
responsible for the loss or any other valid insurance coverage.
What are the Covered Hazards?
In the event of delays caused by EQUIPMENT FAILURE, the INSURANCE COMPANY
will cover the expenses incurred due to a delay or interruption of the COVERED TRIP;
In the event of delays caused by SEVERE WEATHER CONDITIONS, the INSURANCE COMPANY will cover the expenses incurred due to a delay or interruption of the COVERED
TRIP
In the event of delays caused by a strike or any labor dispute involving the COMMON
TRANSPORTATION COMPANY's employees, the INSURANCE COMPANY will cover the
expenses incurred as a result of a delay or interruption of the COVERED TRIP that interferes with the
scheduled departure and arrival times contracted with the COMMON TRANSPORTATION
COMPANY.The full fare must be charged to a Visa Infinite Card.
What expenses resulting from a delay are covered? The INSURANCE COMPANY will cover reasonable expenses incurred by the INSUREDS as a result
of one of the Covered Hazards above, such as meals and lodging that were not provided by the
TRANSPORTATION COMPANY or any other party, free of charge. The maximum benefit (see table
below) is the total benefit payable, regardless of the number of or length of the delays
What is not covered?
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THE INSURED WILL NOT BE COVERED FOR ANY DELAY DUE TO A COVERED HAZARD
THAT WAS MADE PUBLIC OR KNOWN TO THE INSURED PRIOR TO THE DEPARTURE OF
THE COVERED TRIP.
How do I submit a claim?
The -INSURED, the person designated by the -INSURED or the -INSUREDs
representative must contact our CUSTOMER SERVICE within 30 days of the date on
which the COVERED TRIP was delayed, even if all the documentation that will
support the CLAIM FORM is not yet available. Delayed communication may result in
the loss of benefit.
Documentation for supporting the Claim
Copy of the receipts for the expenses incurred, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY, as well as proof that the full fare was paid for with a Visa Infinite Card; and
Copy of a document provided by the TRANSPORTATION COMPANY confirming that the COVERED TRIP was delayed due to a Covered Hazard.
General Provisions of the Program
It is recommended that the INSURED make
his/her best efforts and act in a conscientious and
reasonable way in order to avoid or minimize any
losses covered by this program.
This insurance is effective from January 1, 2001,
from the date on which the issuer of your card
contracted this coverage, or from the date on
which your card was issued, whichever occurred
last, and will terminate on the expiration date of
the policy contracted with the INSURANCE
COMPANY, or on the date you cease to be an INSURED, whichever comes first.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and information on how to submit a
claim, please see the Introduction section of this guide.
Cardholders card Amount Insured
Visa Infinite US$ 200
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B.7. Trip Cancellation Insurance
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
Who and what is covered?
The INSURED will be covered automatically up to US$2,500 for travel and/or accommodation
expenses related to a COVERED TRIP for which INSUREDS are legally liable and are not
recoverable from any other source if a COVERED TRIP is cancelled between the date of payment of
travel and/or accommodation expenses and the date of commencement of the COVERED TRIP in
the event of:
Serious injury, serious illness, or unexpected death of INSURED, or INSUREDs traveling companion or immediate family member;
If the BENEFICIARYs place of residence or business has been rendered uninhabitable for 10 days or less prior to the COVERED TRIP as a result of accidental damage; or
If the INSUREDs presence is being required by the Police following burglary or attempted burglary of the INSUREDs place of residence or business.
The full cost of the trip must be charged to a Visa Infinite Card.
PRE-EXISTING CONDITIONS ARE NOT COVERED. THE COVERAGE COMPLEMENTS ANY
OTHER VALID INSURANCE.
Who is considered a Traveling Companion?
A traveling companion is any person who is not an immediate family member of the INSURED with a
reservation to accompany the INSURED on the COVERED TRIP.
Who is considered an immediate family member?
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The INSUREDs spouse, children, stepchildren, siblings, parents, parents-in-law, grandparents,
grandchildren, legal guardian, adoptive children or stepchildren, stepfather or stepmother, aunts,
uncles, nephews and nieces who live in INSUREDs country of residence.
What is considered a Serious Injury or Illness? The INSURED will be covered for any injury or illness that appears or is contracted between the date
of payment of the travel and/or lodging expenses and the date of commencement of the COVERED
TRIP, and that is diagnosed as life threatening to the INSURED by a legally qualified physician and
that requires medical treatment.
What is considered a pre-existing condition?
In the case of an injury, a pre-existing condition means a condition that requires medical treatment or
for which medical treatment, care or advice has been provided or that has appeared for the first time
before the date on which the insurance has become effective.
In the case of an illness, a pre-existing condition means a condition that occurred up to 90 days prior
to or on the date on which the insurance would have become effective, for which the INSURED has
sought or been advised to seek medical treatment by a licensed physician or whose symptoms would
have led a prudent person to seek medical diagnosis, care or treatment.
A condition will not be considered to be pre-existing if it has been under control for a period of 90
days (with no symptoms or has required no adjustments in treatment or medication) through the use of
prescription medications and for which there is no medical
restriction for traveling.
What is not covered? 1) CLAIMS ARISING FROM:
THE DEFAULT OF ANY: A) PROVIDER OF TRANSPORT;
B) AGENT OF SUCH PROVIDER;
C) AGENT ACTING FOR THEINSURED;
REGULATIONS MADE BY ANY GOVERNMENT OR PUBLIC AUTHORITY;
STRIKES OR LABOR DISPUTES WHICH EXISTED OR OF WHICH ADVANCE WARNING HAD BEEN
GIVEN PRIOR TO THE DATE ON WHICH aCOVERED TRIP WAS BOOKED;
DELAY DUE TO A TEMPORARY OR PERMANENT WITHDRAWAL FROM SERVICE OF ANY TRANSPORTATION COMPANY ON THE ORDERS OR
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RECOMMENDATIONS OF ANY PORT AUTHORITY OR THE AVIATION AGENCY
OR ANY SIMILAR BODY IN ANY COUNTRY;
DEPRESSION OR ANXIETY, MENTAL OR NERVOUS DISORDER, ALCOHOL OR DRUG ABUSE, ADDICTION OR OVERDOSE;
ELECTIVE COSMETIC OR PLASTIC SURGERY, EXCEPT AS A RESULT OF AN ACCIDENT;
PREGNANCY AND ALL RELATED CONDITIONS;
ANY PRE-EXISTING CONDITION.
2) ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE EITHER DIRECTLY OR
INDIRECTLY ATTRIBUTABLE TO HIV (HUMAN IMMUNODEFICIENCY VIRUS)
AND/OR ANY HIV-RELATED ILLNESS INCLUDING AIDS (ACQUIRED IMMUNE
DEFICIENCY SYNDROME) AND/OR ANY MUTATION DERIVATIVE OR VARIATIONS
THEREOF, CAUSED IN ANY WAY.
3) CAUSED OR RESULTING DIRECTLY FROM:
ANY COMMERCIAL OR FINANCIAL CONTRACTUAL OBLIGATION OF THE INSURED PERSON, HIS/HER TRAVELING COMPANION OR IMMEDIATE FAMILY
MEMBER;
CHANGE OF PLANS OR RELUCTANCE OF THE INSURED PERSON, HIS/HER TRAVELING COMPANION OR IMMEDIATE FAMILY MEMBER TO UNDERTAKE
THE SPECIFICALLY COVERED TRIP.
This is a summary of the insurance policy. For more information on the insurance
policy agreement executed between Visa and the INSURANCE COMPANY, including
the definitions and exclusions applicable to this benefit and information on how to
submit a claim, please see the Introduction section of this guide.
How do I submit a claim?
The INSURED, the person designated by the -INSURED or the INSUREDs
representative must contact our CUSTOMER SERVICE immediately or no more than
30 days following the date of cancelation of the -COVERED TRIP, even if all the
documentation that will support the CLAIM FORM is not yet available. Delayed
communication may result in the loss of benefit.
Documentation for supporting the CLAIM FORM
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Note from the physician in charge and other medical records proving the injury or serious illness or sudden death of the INSURED, or INSUREDs immediate family member or
traveling companion;
In the event of an injury or serious illness, or sudden death of a traveling companion, copies of the tickets and hotel reservations are required to prove his/her status as traveling companion.
Proof that a Visa Infinite Card was used in advance to pay for the unrecoverable travel and lodging expenses related to the COVERED TRIP;
Original ticket issued by the TRANSPORTATION COMPANY;
Supporting documentation of: (a) burglary or attempted burglary of the INSURED'S place of residence or business, or (b) INSUREDs being required to be present following a burglary or
attempted burglary of the INSURED'S place of residence or business.
This insurance is effective from January 1, 2001, from the date on which the issuer of your card
contracted this coverage, or from the date on which your card was issued, whichever occurred last, and
will terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or
on the date you cease to be AN INSURED, whichever comes first.
Cardholders card Amount of Benefit
Visa Infinite Up to US$ 2,500
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B.8. Extended Warranty Protection
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
The CARDHOLDER is provided Extended Warranty Protection, which doubles the free warranty
period established under the original manufacturer's written warranty, providing up to one additional
year of warranty on eligible products with manufacturers warranties lasting three years or less. The
item must be completely paid for with a Visa Infinite Card.
How do I get a repair?
To repair an item, the CARDHOLDER should contact our CUSTOMER SERVICE.
Are gifts included under this coverage?
Yes, as long as the gift has been paid for in full with a valid Visa Infinite Card and meets the terms
and conditions of the program
What items are covered by this protection?
In order to be eligible for this coverage, the full price of the products must have been paid with a valid
Visa Infinite Card and the items must have an original manufacturers written warranty valid in the
country in which they were purchased. This extended warranty protection will begin on the expiration
date of the original warranty, or depending on the case, on the expiration date of the additional
warranty contracted, as provided by Article 2, II, of the SUSEP Directive 388/08.
What items are not covered?
Boats, automobiles, and any other motorized vehicles and their motors or equipment
Any costs other than those specifically covered under the terms of the original manufacturer's written warranty or other eligible warranty.
Real estate and items that are intended to become part of the real estate;
Items purchased for resale, or for professional or commercial use;
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Products with an original manufacturer's warranty or store warranty lasting less than three (03) months or more than three (03) years.
If an additional warranty is contracted at the time of purchase, this benefit will only apply after the expiration of said additional warranty. However, items for which the sum of the original
warranty plus the additional warranty exceeds three (03) years are not covered by this
protection;
Used, refurbished or repaired products;
Custom-made, unique or rare products;
Non-durable or perishable items;
Services (including, without limitation, the execution and rendering of services or maintenance, repair or installation of products, goods or properties, or any type of professional
advice);
Products covered by satisfaction guarantee programs offered by the manufacturer, the store or its partners;
Freight and delivery time warranties not included in the original warranty.
Do I need to keep copies of the receipts or any type of record?
To submit a claim, the CARDHOLDER must provide proof that the item was purchased with a Visa
Infinite Card, together with a copy of the original manufacturers written warranty, as well of any
other applicable warranty
How do I submit a claim?
The CARDHOLDER, the person designated by the CARDHOLDER or the
CARDHOLDERs representative must contact our CUSTOMER SERVICE
immediately or within no more than 30 days after noticing a defect in the product, even
if all of the documentation that will support the CLAIM FORM is not yet available.
Delayed communication may result in the loss of benefit.
The CUSTOMER SERVICE will request some preliminary information, provide the contact
information for an authorized repair shop and send the appropriate CLAIM FORM. The CLAIM
FORM must be filled out, signed and returned with all the supporting documentation within the
timeframes established in the form. Unless otherwise provided for, the date of the loss will be the date
on which our CUSTOMER SERVICE was first notified of the problem.
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Items given as gift will also be covered. However, the recipient of the gift must provide all of the
documents required for supporting the claim.
What documents must the CARDHOLDER submit with the claim?
The CLAIM FORM, duly completed and signed;
Detailed receipt, proving that the item was purchased with a Visa Infinite Card;
Detailed sales receipt issued by the store;
A copy of the original manufacturer's written warranty, as well as a copy of any other applicable warranty;
Product description and serial number, and any other documentation that may be necessary or relevant to support the claim. This includes packaging and, depending on the case, copies of
repair records and receipts;
The original repair request form; and
Proof that the CARDHOLDER is current with all payments to his/her cards issuer at the time of the claim;
All claims must be fully supported and corroborated.
How will the CARDHOLDER be reimbursed?
The Extended Warranty Protection will pay the authorized repair facility directly for repairs, or if this
is not possible, will reimburse the cardholder once a claim has been filed and approved, up to a
maximum of US$5,000 per incident per carholder account, with a maximum annual limit of
US$25,000 per cardholder account for all
claims. Under no circumstances shall the
amount of reimbursement exceed the amount
of purchase.
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The protection only covers valid and reasonable repairs made at the manufacturer's
authorized repair facility.
In either case, the INSURANCE COMPANY's payment, replacement or repair made in good faith will
fulfill the INSURANCE COMPANY's obligation under the program coverage. Should the item need
to be repaired, the supplier may, at its own discretion, opt to replace the item.
Does the CARDHOLDER need to submit the claim directly to the CARDHOLDERs insurance company?
If the CARDHOLDER has purchased a service or extended warranty contract, the Visa Extended
Warranty Protection is secondary to that coverage and will only cover the amount in excess of the
primary coverage, up to the limit of the secondary coverage.
General Provisions of the Program
This protection benefits only the CARDHOLDER and recipients of gifts bought by the
CARDHOLDER with a Visa Infinite Card. The CARDHOLDER must exercise due diligence and take
all reasonable measures to avoid or minimize any damage to or loss of the products covered by this
program.
Once a repair has been requested, we will open a file for the claim, and this file will remain open for
six months following the date of the loss or damage. No payment will be made until the claim has
been fully proven and supported, as provided by the INSURANCE COMPANY, and within six
months of the moment the defect became apparent in the product.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and information on how to submit a
claim, please see the Introduction section of this guide.
Basic Benefit Amount
Visa Infinite
US$5,000 per incident per cardholder
account / maximum annual limit of
US$25,000 per cardholder account
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B.9. Purchase Protection
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS OF THE BENEFITS COVERED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
CARDHOLDERS can benefit from the warranty and security offered by Visa's Purchase Protection. If
a product paid for entirely with a Visa Infinite Card is damaged, stolen or lost within 45 days of the
date of purchase, there is a good chance that the cardholder is protected.
To get coverage
Visas Purchase Protection Insurance covers products paid for entirely with a Visa Infinite Card, whether
bought for the cardholders own use or as gifts;
The purchases do not need to be registered with Visa.
Type of coverage provided
Coverage is secondary. Should the cardholder or the recipient of the gift have any other insurance that would cover the eligible purchases (such as homeowners, renters, or auto
insurance), Visas Purchase Protection will pay the amount not covered by the primary
insurance up to the amount paid by cardholder for the product with his/her card, subject to the
limits expressed below; and
What is covered
Most products paid for entirely with a Visa Infinite Card are covered for a full 45 days from the date of purchase indicated on the bank or credit card statement. Coverage is limited to the
cost of the item (excluding delivery and transportation costs) up to US$5,000 per cardholder
account per 12 (twelve) month period. In the event of loss, the INSURANCE COMPANY will
pay for the smallest of the following amounts: a) the amount of the Protected Purchase
charged to the CARDHOLDERs card; or the actual cost of repair of the Protected Purchase
or cost of replacement of the Protected Purchase for an item of equal kind and quality. Under
no circumstance shall the amount paid by the INSURANCE COMPANY exceed the amount
paid by the CARDHOLDER for the Protected Purchase.
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Gifts purchased with the card are also covered, and subject to the same conditions.
Coverage for stolen or damaged articles that form a pair or set will be limited to the cost of the particular stolen or damaged part or parts. However, if the articles cannot be used, replaced or
repaired individually, the value of the pair or set will be covered. Coverage for stolen or
damaged jewelry or fine art will be limited to the cost of the particular part or parts, regardless
of any special value the article(s) may have had as part of a set or collection.
What is not covered
THEFT OF OR DAMAGE TO JEWELRY, CAMERAS OR VIDEO CAMERAS STORED INSIDE LUGGAGE WILL NOT BE COVERED UNLESS THEY ARE CARRIED AS
HAND LUGGAGE BY THE CARDHOLDER, UNDER THE PERSONAL SUPERVISION
OF THE CARDHOLDER OR THE SUPERVISION OF A TRAVELING COMPANION OF
THE CARDHOLDER (SOMEONE PREVIOUSLY KNOWN TO THE CARDHOLDER);
SMUGGLING;
LOSS RESULTING FROM AN ILLEGAL ACT OR ACTIVITY;
ITEM PURCHASED FOR RESALE, OR FOR PROFESSIONAL OR COMMERCIAL USE;
RARE OR UNIQUE ITEMS;
LOST ITEMS AND ITEMS THAT MYSTERIOUSLY DISAPPEARED (WHEN THE ONLY PROOF OF LOSS IS UNEXPLAINED OR THERE IS NO PHYSICAL EVIDENCE
TO SHOW WHAT HAPPENED TO THE ITEM) WITHOUT ANY EVIDENCE OF A
WRONGFUL ACT;
UNLOCKED OR UNATTENDED ARTICLES (LEFT IN PUBLIC SIGHT, OUT OF ARMS REACH, NOT GIVEN CARE, SUPERVISION OR CONTROL BY THE CARDHOLDER
OR RESPONSIBLE PARTY), ARTICLES STOLEN FROM ANY LOCATION OR PLACE
OPEN TO THE GENERAL PUBLIC OR COMMUNITY FOR USE OR MEMBERSHIP.
PUBLIC PLACES SHALL NOT INCLUDE THE FOLLOWING: THE COVERED
PERSONS PLACE OF EMPLOYMENT, ELEMENTARY OR SECONDARY SCHOOL,
OR PLACES OF WORSHIP.
ITEMS LOST, STOLEN, DAMAGED OR MISDELIVERED WHILE UNDER THE CONTROL OF A THIRD PARTY OR TRANSPORTATION COMPANY (INCLUDING
BUT NOT LIMITED TO AIRLINE COMPANIES, THE POSTAL SERVICE OR OTHER
DELIVERY SERVICES).
LOSSES DUE TO NORMAL WEAR AND TEAR, MISUSE, FRAUD, GRADUAL DETERIORATION AND/OR ABUSE;
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ITEMS THAT WERE DAMAGED THROUGH ALTERATION (INCLUDING CUTTING, SAWING OR SHAPING);
USED, ANTIQUE OR COLLECTIBLE ARTICLES OF ANY KIND (INCLUDING BUT NOT LIMITED TO CARDS OR TRADING CARDS, STUFFED ANIMALS, ETC.),
RECYCLED, PREVIOUSLY OWNED, REBUILT OR REMANUFACTURED PRODUCTS,
PRODUCT GUARANTEES (FOR EXAMPLE, GLASS BREAKAGE) OR
SATISFACTION GUARANTEED ITEMS.
MOTORIZED VEHICLES AND WATERCRAFT, AIRCRAFT, AND MOTORCYCLES OR THEIR MOTORS, EQUIPMENT OR ACCESSORIES. COVERAGE WILL APPLY TO
MOTORIZED EQUIPMENT USED SOLELY FOR THE UPKEEP AND MAINTENANCE
OF A BUSINESS, BUT NOT FOR COMMERCIAL USE.
LAND, BUILDINGS (INCLUDING BUT NOT LIMITED TO HOMES AND DWELLINGS), PERMANENTLY INSTALLED ITEMS, FIXTURES OR STRUCTURES.
TRAVELERS CHECKS; TICKETS OF ANY KIND; NEGOTIABLE INSTRUMENTS; GOLD BULLION BARS; RARE OR PRECIOUS COINS; PHILATELIC AND
NUMISMATIC PROPERTY; CASH OR ITS EQUIVALENT.
DAMAGE CAUSED BY ANIMALS OR PESTS;
PLANTS, ANIMALS, CONSUMER PRODUCTS AND PERISHABLES;
PROFESSIONAL SERVICES (INCLUDING, WITHOUT LIMITATION, THE EXECUTION OR RENDERING OF SERVICES OR MAINTENANCE; REPAIR OR
INSTALLATION OF PRODUCTS, GOODS OR PROPERTIES, PROFESSIONAL ADVICE
OF ANY TYPE, INCLUDING, WITHOUT LIMITATION, INFORMATION OR
INSTRUCTIONS PROVIDED VIA ANY TYPE OF SUPPORT SERVICE OR HELP DESK,
OR TECHNICAL SUPPORT FOR SOFTWARE OR HARDWARE OR ANY TYPE OF
PERIPHERAL);
APPLICATION SOFTWARE, OPERATING SOFTWARE OR OTHER COMPUTING PROGRAMS;
WAR OR HOSTILITIES OF ANY TYPE (FOR EXAMPLE, INVASION, REBELLION, INSURRECTION, RIOT OR CIVIL UNREST), FORFEITURE OR DAMAGE CAUSED BY
ANY GOVERNMENT, PUBLIC AUTHORITY OR CUSTOMS OFFICIAL, RISKS
ARISING FROM SMUGGLING, ILLEGAL ACTS OR ACTIVITIES;
DEFECTS INHERENT TO THE PRODUCT;
RADIOACTIVE CONTAMINATION;
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CASES OF FORCE MAJEURE (INCLUDING, WITHOUT LIMITATION, FLOODS, HURRICANES AND EARTHQUAKES);
ITEMS STORED IN ANY CONSTRUCTION SITE;
ARTICLES RENTED, LEASED OR BORROWED FOR WHICH THE CARDHOLDER IS RESPONSIBLE;
ARTICLES STOLEN FROM OR IN CARS, OTHER VEHICLES OR TRANSPORT COMPANIES, IN COMMERCIAL OPERATION OR OTHERWISE, INCLUDING,
AMONG OTHERS, AIRCRAFT, TRAINS, BOATS, CRUISE SHIPS, TRAILERS OR
OTHER PRIVATE TRANSPORT VEHICLES;
SHIPPING AND HANDLING COSTS, COST OF INSTALLATION OR ASSEMBLY-RELATED COSTS;
LOSSES CAUSED BY ANIMALS AND PESTS, TERMITES, FUNGI, WET OR DRY ROT, BACTERIA OR RUST;
DAMAGES DUE TO A MECHANICAL FAILURE, ELECTRICAL FAILURE, A GLITCH IN COMPUTER PROGRAMS OR LOSS OF DATA INCLUDING, WITHOUT
LIMITATION, ANY INTERRUPTION OF THE POWER SUPPLY, VOLTAGE
OSCILLATION, PARTIAL OR TOTAL SHUTDOWN OF THE POWER SUPPLY
(BLACKOUTS) OR FAILURE OF TELECOMMUNICATION OR SATELLITE SYSTEMS;
ITEMS DAMAGED AS A RESULT OF NORMAL USE (SUCH AS, FOR EXAMPLE, SPORTING OR RECREATIONAL EQUIPMENT);
ITEMS THAT WERE DAMAGED THROUGH ALTERATION (INCLUDING CUTTING, SAWING OR SHAPING);
How do I submit a claim?
The CARDHOLDER must keep all of the receipts and invoices of all products bought with a Visa Infinite Card. They will be required to support a claim;
The CARDHOLDER must report any loss, theft or damage to the police or authority in charge at the place the incident occurred;
The CARDHOLDER, the person designated by the CARDHOLDER or the CARDHOLDERs representative, depending on the case, must contact our CUSTOMER SERVICE immediately or no more than 30 days following the date of incident, even if all the documentation that will support the CLAIM FORM is not yet available. Delayed communication may result in the loss of benefit.
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Submit documents proving the loss, up to 30 days from the incident, including all other documentation that may be required to support or prove the loss, theft or damage;
CLAIM FORM, duly signed;
Visa Infinite Card statement or bank statement;
Detailed purchase receipt, proving that the payment was made with a Visa Infinite Card;
Detailed sales receipt issued by the store;
Police report or report issued by a proper authority;
Copy of repair estimate or repair service receipt;
Copy of the declarations page of any applicable insurance policy, including home or
insurance, even if no insurance is applicable to this incident
Failure to submit all the required documentation within the timeframes established in the
CLAIM FORM may result in the loss of the benefit.
The INSURANCE COMPANY will decide whether the article will be repaired, replaced or reimbursed, up to the amount of purchase.
General Provisions
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and information on how to submit a
claim, please see the Introduction section of this guide.
No person or entity other than the CARDHOLDER will have any right under this coverage or as a
result of this coverage. No right or benefit conferred to the CARDHOLDERS may be transferred
without the prior written consent of the INSURANCE COMPANY. Any assignment or transfer
without the prior written consent of the INSURANCE COMPANY will be null and void.
Standard benefit Amount
Visa Infinite Up to a maximum of US$5,000 per cardholder account
per 12 (twelve) month period
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B.10. Price Protection
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
Visa Price Protection helps you get the best possible price for most purchases you pay for with a Visa
Infinite Card. Simply pay for the entire cost of the product with a Visa Infinite Card and, if within 30
days of the date you purchased the product you see either a print advertisement or non-auction internet
advertisement for the same product (same manufacturer, model number and model year) for a lower
price and in the same country* in which you bought your product with a Visa Infinite Card, you will
be refunded the difference, up to U