world-mastercard-benefits.pdf

7/27/2019 world-mastercard-benefits.pdf

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Youre about to discover that there are some

pretty impressive benefts that come with yourCapital One

MasterCard.

Take our great travel-related benefts, or instance.

Youll see that youre well covered or all those

upcoming trips (the ones youll be paying or with your

Capital One MasterCard, o course!) plus, i you have

a spouse and/or children, theyre covered, too. Youllalso fnd that your card eatures everyday benefts

that could come in just as handy here at home.

Its a good idea to read through this entire booklet so

youll know about all o your cards benefts. And while

weve done our best to cover everything you need to

know about your benefts in this booklet, you stillmight have questions. I you do, you can always reach

us at 1-800-481-3239.


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world Benefits 1

Contents

travel Benefits 2

Travel Emergency Medical

Trip Cancellation

Trip Interruption

Flight Delay

Baggage Delay

Baggage Loss

Travel Accident Insurance

MasterAssist Travel Assistance

Car Rental Collision/Loss Damage Waiver

everyday Benefits 3

Concierge Services

Purchase Assurance

Extended Warranty

Price Protection

MasterCard Benefits 4

Zero Liability

Master Global Services

CertifiCates of insuranCe 5


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2 world Benefits

travel BenefitsTravel Emergency Medical

Provides emergency medical coverage anywhere in the world and isautomatically included whether or not you purchase travel using youreligible Capital One card. As the primary Cardholder, you, your spouseand your dependent children, when travelling with either parent, arecovered for trips up to 22 days, if under 65 years of age, and for tripsup to 8 days, if 65 years of age or older. The date of departure iscounted as the rst day. This benet is subject to an exclusion forpre-existing medical conditions.

Trip Cancellation

If an illness, injury or other covered cause prevents you from startingyour trip, youll be covered for up to $1,000 of eligible cancellationexpenses per insured person, to a maximum of $5,000 for all insuredpersons on the same trip. Trip Cancellation coverage is available to you,your spouse and your dependent children, when travelling with eitherparent, and up to two companions travelling with you and/or your

spouse when the full cost of your trip expenses are charged to yourCapital One card. Eligible expenses include the cost of unused travelarrangements that were charged to your Capital One card.

Trip Interruption

If an illness, injury or other covered cause prevents you from continuingyour trip, youll be covered for up to $5,000 of eligible trip interruptionexpenses, per insured person, to a maximum of $25,000 for all insuredpersons on the same trip. Trip Interruption coverage is available to you,your spouse and your dependent children, when travelling with either

parent, and up to two travelling companions when the full cost of yourtrip expenses are charged to your Capital One card.

Flight Delay

You may be reimbursed for eligible reasonable living expenses incurredduring the period of a delayed ight or missed connection which lastsfour hours or more to a limit of $250 per day and $1,000 per trip forall insured travellers. Simply charge the full cost of your tickets to yourCapital One card.

Baggage DelayIf your checked baggage is delayed for more than four hours at youraway-from-home destination, you, your spouse and your dependentchildren may be eligible for reimbursement of up to $100 per day forup to three days to purchase essential items. Simply charge the fullcost of your tickets to your Capital One card.

Enjoy valuabletravel benets

virtually

everywhere

you go.


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world Benefits 3

Baggage Loss

If your checked baggage is lost by an airline, all insured travellers canbe reimbursed up to $1,000 per trip. Simply charge the full cost ofyour tickets to your Capital One card.

Travel Accident Insurance

Receive up to $500,000 automatic travel insurance coverage for you,your spouse and your dependent children when you charge the fullcost of your common carrier tickets to your Capital One card.

MasterAssist Travel AssistanceProvides 24/7 assistance for medical referrals, emergency cash transfers,lost documents and ticket replacements, lost luggage assistance andlegal referrals when travelling outside your province of residence. Anycosts incurred in connection with these services are charged to yourCapital One card.

Car Rental Collision/Loss Damage Waiver

Charge the full cost of your car rental to your Capital One card anddecline the collision damage waiver insurance offered by the rental

agency (you could save $20-$30 per day) and youll be insured if yourrental car is damaged or stolen when you rent the car for a period ofup to 48 days.

Information and Claims

Toll-free: 1-866-224-0178Outside of North America,call collect: 416-642-2303

everyday BenefitsConcierge Services

One-call assistance for travel arrangements (ight, hotel, car rental),entertainment (restaurants, golf, sports, theatre, attractions, tours),business (translation, equipment facilities) and shopping (oral orgift baskets, gift research and purchase and occasion reminder).Any costs incurred in connection with these services are chargedto your Capital One card

Purchase Assurance

Most personal items purchased are automatically insured against theft,loss or damage anywhere in the world for 120 days from the date ofpurchase when the full cost of the item is charged to your Capital Onecard. Covered items will be replaced or repaired or the purchase pricewill be reimbursed at the insurance companys discretion.

Extraprotection

on the items

you buy, at

no extra cost.


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4 world Benefits

Extended Warranty

When you use your Capital One card to purchase most personalitems (and the ull cost o the item is charged to your card), ExtendedWarranty coverage automatically doubles the original manuacturerswarranty or up to two years.

Price Protection

When you use your Capital One card to buy a new item in Canada thatis advertised or sale at a lower price within 60 days o purchase, PriceProtection reunds the price dierence up to $100 per item and $500

per calendar year.

Inormation and ClaimsToll-ree: 1-866-224-0178Outside o North America,call collect: 416-642-2303

masterCard

Benefits

Zero LiabilityI youre worried about unauthorized charges being made to youraccount, relax. As a Capital One Cardholder, youre protected. Weprovide Zero Liability or unauthorized use o your card. That meansyou wont pay or any unauthorized purchases on your card. We alsomonitor your account regularly or raudulent activity.

Master Global Services

Provides emergency card replacement, emergency cash advance, 24/7telephone access and reerral to the closest ABM.

Inormation and Claims

Toll-ree: 1-800-481-3239Outside o North America,call collect: 1-804-934-2010

Essential helpand support

when you

really need it.


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world Benefits 5

CertifiCatesof insuranCeTravel Accident Insurance andBaggage Delay are underwrittenby Chubb Insurance Companyof Canada. Car Rental Collision/Loss Damage Waiver, PurchaseAssurance, Extended Warranty and

Price Protection are underwrittenby American Bankers InsuranceCompany of Florida, an AssurantSolutions company. Detailsof your coverage, including terms,conditions, limitations andexclusions, are in this booklet.

aMeriCan Bankers life

assuranCe CoMpany offlorida and aMeriCan

Bankers insuranCe

CoMpany of florida

Certicate of InsuranceRestated Effective: June 1, 2010Group Policy: COB062010

This Certicate of Insurance

contains information about yourinsurance. Please read it carefullyand keep it in a safe place. Referto the Denitions section or to theapplicable description of benetsand the paragraph following thisone for the meanings of allcapitalized terms.

The coverage outlined in this

Certicate of Insurance iseffective as of June 1, 2010and is provided to eligible

Capital One MasterCardCardholders. Coverage isunderwritten by AmericanBankers Life Assurance Company

of Florida and AmericanBankers Insurance Companyof Florida (hereinafter collectivelyreferred to as the Insurer)under Group Policy numberCOB062010 (hereinafter referredto as the Policy) issued by theInsurer to Capital One Services,LLC (hereinafter called thePolicyholder).

The terms, conditions andprovisions of the Policy aresummarized in this Certicateof Insurance, which is incorporatedinto and forms part of the Policy.All benets are subject in everyrespect to the Policy, which aloneconstitutes the agreement underwhich benets will be provided.

You, or a person making a claimunder this Certicate of Insurance,may request a copy of the Policyand/or a copy of your applicationfor this insurance (if applicable)by writing to the Insurer at theaddress shown below

In no event will a corporation,partnership or business entity

be eligible for the insurancecoverage provided by thisCerticate of Insurance.

Claim payment and administrativeservices under this Policy arearranged by the Insurer. AmericanBankers Life Assurance Companyof Florida and American BankersInsurance Company of Florida

Canadian head ofce is locatedat 5000 Yonge Street, suite 2000,Toronto, ON, M2N 7E9.

The Administrator under thisCerticate is World TravelProtection Canada Inc.

Read thesecerticates tolearn exactlywhat yourecovered for.


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6 world Benefits

definitions

Accident means a sudden,unexpected and unforeseeable

cause of injury from an

external source.

Accidental Bodily Injury meansbodily injury caused directly by an

Accident occurring while the

insurance evidenced by this

Certicate of Insurance is in force,which results, within 365 days

after the date of the Accident,

directly in any of the losses to

which the insurance applies, and

is sudden, unforeseen, unexpected

and independent of any disease,

bodily inrmity, bodily malfunction

or any other cause.

Account means the PrimaryCardholders Capital One World

MasterCard Account or an

upgraded Capital One Platinum

MasterCard Account designated

by the Policyholder and which

is in Good Standing with

the Policyholder.

Administrator means the service

provider arranged by the Insurerto provide claims payment and

administrative services under

the Policy.

Capital One MasterCardmeans a Capital One World

MasterCard or an upgraded

Capital One Platinum MasterCard

designated by the Policyholder.

Car Sharing means a car rentalclub that provides its members with

24-hour access to a eet of cars

parked in a convenient location.

Cardholder means the PrimaryCardholder and any supplemental

Cardholder, who is a natural Person,

resident in Canada and who is also

issued a Capital One MasterCard, as

dened herein, and whose name is

embossed on the card.

Cardholder may also be referred

to herein using You and Your.

Common Carrier means anyland, air or water conveyance

operated, which is licensed to carry

passengers without discrimination

and for hire, excluding courtesy

transportation provided without

a specic charge.

Dependent Child means Yourunmarried natural, adopted or

step-children who are dependenton You for maintenance and

support and who are either under

21 years of age, or under 25 years

of age and in full-time attendance

at a recognized institution of

higher learning in Canada.

Dollars and $ meansCanadian dollars.

Eligible Expensesmean chargesfor any of the following travel

arrangements which have been

booked or reserved prior to

Trip departure and for which

all costs have been charged to

Your Account:

(i) cost of transportation

by a Common Carrier;(ii) cost of hotel or similar

accommodations; and

(iii) cost of a package tour which

has been sold as a unit and

includes at least two of

the following:


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world Benefits 7

Transportation by

a Common Carrier;

Car rental;

Hotel or similar

accommodation;

Meals;

Tickets or passes for

sporting events or other

entertainment, exhibition

or comparable event; or

Lessons or the servicesof a guide.

Emergency Medical Treatmentrefers to treatment necessary

for the immediate relief of a

Medical Emergency.

Essential Items mean theminimum essential clothing and

toiletries, the purchase of whichis rendered absolutely necessary

and indispensable due to the

delay of an Insured Persons

checked luggage.

GHIP means the governmenthealth insurance plan of an Insured

Persons province or territory of

residence in Canada.

Good Standing means, withrespect to an Account, that the

primary Cardholder has not advised

the Policyholder in writing to close

it, it is in compliance with all terms

of the Cardholder Agreement and

the Policyholder has not suspended

or revoked credit privileges or

otherwise closed the Account.

Hospital means an institutionwhich is licensed to provide,

on an inpatient basis, medical

care and treatment of sick and

injured persons through medical,

diagnostic and major surgical

facilities, under the supervision

of a staff of Physicians and with

24-hour-a-day service. Hospital

does not include any institution

or part of an institution which is

licensed or used principally as a

clinic, a continued care or extended

care facility, a convalescent home,

a rest home, a nursing home or

home for the aged, a health spa

or a treatment centre for drug

addiction or alcoholism.

Hospitalization means a stayof at least 48 hours in a Hospital

for Emergency Medical Treatment,

which cannot be postponed.

Immediate Family Membermeans an Insured Persons Spouse,

daughter or son, whether natural,

adopted or stepchild, grandchild,mother, father, stepparent, sister,

stepsister, brother, stepbrother,

parent-in-law, daughter-in-law,

son-in-law, sister-in-law and

brother-in-law.

Insured Person means aCardholder and, where specied,

his or her Spouse and each

Dependent Child and certain othereligible persons as outlined under

the applicable benet.

Key Employeemeans anemployee whose continued

presence at the Insured Persons

place of business is critical to the

ongoing affairs of the Insured

Persons business during Your Trip.

Legal Business Partnermeansa person who participates with

the Insured Person in the daily

management of a shared business

and who shares the nancial risk

of the operation.


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8 world Benefits

Medical Condition means any

illness, injury or symptom, whether

diagnosed or not.

Medical Emergency means any

unforeseen illness or Accidental

Bodily Injury which occurs during

a Trip and requires immediate

medical care or treatment from

a Physician. A Medical Emergency

ends when the illness or AccidentalBodily Injury has been treated such

that the Insured Persons condition

has stabilized. Treatment provided,

when medical evidence indicates

that an Insured Person could delay

treatment or return to Canada

for such treatment, is not

considered a Medical Emergency

and is not covered.

Mysterious Disappearance

means an article of personal

property cannot be located and the

circumstances of its disappearance

cannot be explained or do not

lend themselves to a reasonable

inference that a theft occurred.

Occupying means in or upon

or entering into or alighting from.Original Manufacturers

Warranty means an express

written warranty valid in Canada

and issued by the original

manufacturer of personal property,

excluding any extended warranty

offered by the manufacturer or

any third party.

Physician means a Physicianor surgeon who is registered or

licensed to practice medicine in

the jurisdiction where the medical

treatment or service is provided,

and who is not related by blood

or marriage to the Insured Person

to whom the service is rendered.

Pre-existing Condition means

any Medical Condition for which

symptoms appeared or for which

an Insured Person, or an Insured

Persons Immediate Family Member

or Travelling Companion, sought

the attention of a Physician,

had investigated, diagnosed,

treated, had treatment or further

investigation recommended or for

which medication was prescribedor altered in the 180 days prior

to (for Insured Persons age 74 and

under) or 365 days prior to (for

Insured Persons age 75 and over):

(i) the date the Trip was booked, for

Trip Cancellation Benets; and

(ii) the Trip departure date, for

Trip Interruption and Travel

Emergency Medical Insurance.

For Travel Emergency Medical

Insurance, a Pre-existing Condition

does not include a Medical

Condition which is controlled by

the consistent use of medications

prescribed by a Physician, provided

that, during the 180-day period

or 365-day period, as applicable,

before the Insured Personsdeparture, there has been no

other treatment or investigation

recommended and there has been

no change in medication. A new

medication or increase/decrease

in dosage constitutes a change.

Primary Cardholdermeans

the principal applicant for an

Account who is a natural person,resident in Canada and is issued

a Capital One MasterCard, as

dened herein, by the Policyholder.


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world Benefits 9

Reasonable and Customary

Charges means charges which

do not exceed the general level

of charges made by other providers

of similar standing in the locality

or geographical area where

the charges are incurred, when

furnishing comparable treatment,

services or supplies for a similar

Medical Emergency.

Rescheduling Expensesmeans

additional charges associated

with Eligible Expenses, including

administrative and change fees,

which result from rescheduling

a Trip prior to departure, and

which have been charged to

Your Account.

Spouse means the Cardholderslegal husband or wife, or the

person with whom the Cardholder

has lived and publicly represented

as his or her Spouse for at least

one continuous year.

Ticket means evidence of fare

paid for travel on a Common

Carrier, which has been charged

to the Account.Travelling Companion means a

person booked to travel with You

and/or Your Spouse on a Trip, and

who has prepaid accommodations

and/or transportation arrangements

for the same Trip.

Trip means a scheduled period

of time during which an Insured

Person is away from his or herprovince or territory of residence

in Canada. For Travel Emergency

Medical Insurance, an eligible

Trip is further limited in duration,

as specied under Travel

Emergency Medical Insurance.

Travel Emergency Medical

Insurance

Trips up to 22 days for

Insured Persons under age 65.

Trips up to 8 days for Insured

Persons age 65 or older.

This coverage is underwritten by

American Bankers Life Assurance

Company of Florida.

For this benet, Insured Person

means the Primary Cardholder,

his or her Spouse and his or her

Dependent Child(ren) who are

booked to travel on a Trip with

the Primary Cardholder and/or his

or her Spouse. All Insured Persons

must be permanent residents

of Canada and insured by their

provincial or territorial GHIP.

Coverage Period

For Insured Persons under age

65 (on the Trip departure date)

For the Travel Emergency Medical

benet, only the rst 22

consecutive days of a Trip, as

determined by the originally

scheduled departure and returndates, will be covered. There is

no coverage for that portion

of a Trip which extends beyond

the rst 22 consecutive days.

In the event of a claim, proof

of scheduled Trip duration will

be required.

Coverage begins at 12:01 a.m.

on the date the Insured Personleaves his or her province or

territory of residence on a Trip.

Coverage will terminate on the

earliest of the following:


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10 world Benefits

(i) the date the Insured Personreturns to his or her provinceor territory of residencein Canada;

(ii) the date the Account iscancelled, closed or is nolonger in Good Standing;

(iii) the date the Insured Personhas been absent for more than22 consecutive days (including

the day of departure and dayof return) from his or herprovince or territoryof residence in Canada; or

(iv) the date the Insured Personceases to be eligible forcoverage. (For DependentChildren, see the Denitionssection for age limits.)

For Insured Persons age 65

or older (on the Trip

departure date)

For the Travel Emergency Medicalbenet, only the rst 8 consecutivedays of a Trip, as determined bythe originally scheduled departureand return dates, will be covered.There is no coverage for that

portion of a Trip which extendsbeyond the rst 8 consecutive

days. In the event of a claim,proof of scheduled Trip durationwill be required.

Coverage begins at 12:01 a.m.on the date the Insured Personleaves his or her province orterritory of residence on a Trip.

Coverage will terminate on theearliest of the following:

(i) the date the Insured Personreturns to his or her provinceor territory of residencein Canada;

(ii) the date the Account iscancelled, closed or is nolonger in Good Standing;

(iii) the date the Insured Personhas been absent for more than8 consecutive days (includingthe day of departure andday of return) from hisor her province or territoryof residence in Canada; or

(iv) the date the InsuredPerson ceases to be eligiblefor coverage.

Automatic Extension

of Coverage

Coverage will be automaticallyextended beyond the 22-day limitfor Insured Persons under age65 and 8-day limit for InsuredPersons age 65 or older, for upto 3 days following the end ofa Medical Emergency.

In addition, Travel EmergencyMedical Insurance coverage willbe automatically extended beyondthe 22-day limit for InsuredPersons under age 65 and 8-daylimit for Insured Persons age 65and older, for up to 3 days if anInsured Persons return to his or herprovince or territory of residencein Canada is delayed solely as theresult of:

(i) the delayed departure of aCommon Carrier on which heor she is booked; or

(ii) a delayed return as a result ofan accident or the mechanicalbreakdown of an InsuredPersons personal vehicle.


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world Benefits 11

Benets

In the event of a MedicalEmergency, the Reasonable andCustomary Charges for EmergencyMedical Treatment will be paidby the Insurer, less any amountpayable by or reimbursable undera GHIP, any group or individualhealth plans, insurance policiesor reimbursement programs.

Benets are limited to $2,000,000for each Insured Person, subjectto the Limitations and Exclusions.The following expenses are eligiblefor reimbursement:

(i) Hospital Accommodationand Medical Expensesincluding room and board

up to semi-private or theequivalent, treatment in anintensive or coronary care unit,medical supplies, use of anoperating room, anaesthesia,surgical dressings. Excludescosts of a private room or suite,unless one is medically required.

(ii) Physician Charges forEmergency Medical Treatment.

(iii) Private Duty Nursing coversup to $5,000 for servicesperformed by a registerednurse (not related to theInsured Person by blood ormarriage) when medicallynecessary and prescribed bya Physician. This includesmedically necessary

nursing supplies.(iv) Diagnostic Services,

including laboratory tests,x-rays when prescribedby a Physician. NOTE:magnetic resonance imaging(MRI), computerized axial

tomography (CAT scans),sonograms and ultrasoundmust be authorized in advanceby the Administrator.

(v) Ambulance Service to thenearest Hospital equippedto provide the requiredEmergency Medical Treatment.

(vi) Emergency Air Transportto the nearest Hospital, or

repatriation to a Hospital in theInsured Persons province orterritory of residence in Canada(when approved and arrangedby the Administrator) becausethe Insured Persons conditionprecludes the use of othermeans of transportation.

(vii) Prescription Drugs required

as a part of Emergency MedicalTreatment, excluding any drugsor medications which arecommonly available withoutprescription, or which are notlegally registered and approvedin Canada or the United States.

(viii)Accidental Dental care toa maximum of $2,000 perInsured Person for Emergency

Medical Treatment of naturalor permanently installed teethduring a Trip as the result of anaccidental injury to the mouth.Treatment for emergency reliefof dental pain is covered to amaximum of $150.

(ix) Medical Appliancesincluding slings, braces, splints,

and local rental of crutches,walkers and wheelchairs.There is no benet for thepurchase of either walkersor wheelchairs.

(x) Return Airfare to cover anyadditional cost incurred for a


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12 world Benefits

one-way economy airfare in aMedical Emergency (less anyrefunds due on original tickets)and, if required, the charge fortransportation of a stretcherand attending medicalpersonnel to return the InsuredPerson to his or her provinceor territory of residence inCanada if further medical

treatment is warranted andwhen approved and arrangedby the Administrator.

(xi) Transportation to Bedsidefrom Canada for one of theInsured Persons ImmediateFamily Members when theInsured Person is hospitalizedand expected to remain so for

3 days or more. This benetmust be pre-approved by theAdministrator. This benetincludes one round-tripeconomy airfare, food andaccommodation expenses of$100 per day, to a maximumof $1,500 and no chargefor travel medical insurancecoverage for the person required

at bedside for the duration ofthe Medical Emergency.

(xii) Vehicle Return is coveredto a maximum of $1,000 toreturn an Insured Personsvehicle to his or her place ofresidence in Canada, or in thecase of a rented vehicle, tothe nearest appropriate rental

location, when the InsuredPerson is unable to returnthe vehicle as a result of aMedical Emergency and whenapproved and arranged bythe Administrator.

(xiii)Return of Deceased whendeath results from a Medical

Emergency, to a maximumof $5,000 for the cost ofpreparation (includingcremation) and transport ofthe Insured Person (excludingthe cost of a burial cofn orurn) to his or her provinceor territory of residencein Canada.

Limitations and ExclusionsFurther, no benets are payablefor any expenses incurred directlyor indirectly as a result of:

(i) any Pre-existing Conditionas dened;

(ii) any Medical Emergency thatoccurs other than during acovered Trip;

(iii) any experimental, electiveor non-emergency surgery,treatment, or medicationincluding ongoing care ofa chronic condition;

(iv) any Medical Emergency thatoccurs during a Trip wherethe primary purpose of theTrip was to work outsideof Canada;

(v) any portion of benets thatrequire prior authorizationand arrangement by theAdministrator if such benetswere not pre-authorized andarranged by the Administrator;

(vi) pregnancy, childbirth and/orrelated complications occurringwithin 9 weeks of the expected

delivery date;(vii) neo-natal care;(viii) participation in a criminal

offence;(ix) intentionally inicted injuries,

suicide or any attempt thereat;(x) expenses incurred directly

or indirectly as a result of the


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world Benefits 13

Insured Persons abuse ofmedications, drugs, alcoholor other toxic substances;

(xi) acts of terrorism, insurrectionor war whether declaredor undeclared;

(xii) voluntary participation ina riot or civil commotion;

(xiii) mental or emotional disorders;(xiv) treatments that are not

prescribed by a Physician; or(xv) participation in professional

sports or any organized racingor speed contests, recreationalscuba diving (unless theInsured Person holds a basicscuba designation from acertied school or licensingbody), mountaineering,

bungee jumping, parachuting,hang-gliding, skydiving, orother dangerous sportsor activities.

Failure to notify the Administratorimmediately following a MedicalEmergency, or as soon as possibleunder the circumstances, will limitthe benets payable under this

Certicate as follows:(i) no benets will be payable

for surgery or invasiveprocedures (such as cardiaccatheterization) withoutprior approval by theAdministrator, except inextreme circumstances wherea request for prior approval

would delay surgery neededin a life-threatening MedicalEmergency; and

(ii) eligible expenses for whichbenets would otherwise havebeen provided will be limitedto 80% of the total, to amaximum of $30,000.

In consultation with the attendingPhysician, the Administratorreserves the right to transfer theInsured Person to an appropriateNetwork facility or to his or herprovince or territory of residencein Canada for Emergency MedicalTreatment. Refusal to comply willabsolve the Insurer of any liabilityfor expenses incurred after the

proposed transfer date.

Once a Medical Emergencyends, no further benets arepayable in respect of that MedicalEmergency or for any recurrence ofthe condition which causedthe Medical Emergency.

Medical Emergency Procedures

When a Medical Emergencyoccurs, You must contact the

Administrator without delay.Call 1-866-224-0178 fromCanada and the United States or416-642-2303 locally or collectfrom elsewhere in the world.

If calling from somewhere in theworld where a collect call is not

possible, call direct and You willbe reimbursed.

The Administrator will conrmcoverage, provide directions tothe Network facility or the nearestappropriate medical facility, providethe necessary authorization ofpayment of eligible expenses andmanage the Medical Emergency.

The Administrator will make everyeffort to pay or authorize paymentof eligible expenses to Hospitals,Physicians and other medicalproviders directly. If direct paymentor payment authorization is notpossible, an Insured Person may be


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14 world Benefits

required to make payments. In thatevent, the Insured Person will bereimbursed for eligible expenseson submission of a valid claim.

Note: Benets may be excluded orreduced where the Administratorhas not been contacted in advanceof treatment, as noted above.

How to Claim

Claim forms can be obtainedby calling the Administrator at1-866-224-0178 from Canadaand the United States or416-642-2303 locally.

If the Administrator authorizedHospital or other medical paymentson an Insured Persons behalf, Youmust sign an authorization formallowing the Administrator torecover payments from GHIP, otherhealth plans or insurers and returnit to the Administrator within30 days. If an advance has beenmade for ineligible expenses, Youwill be required to reimburse theAdministrator. If eligible expensesare incurred for which payment

has not been pre-authorized bythe Administrator, they shouldbe submitted to the Administratorwith original receipts andpayment statements.

You will be required to submit acompleted claim form and providedocumentation to substantiate theclaim, including the following:

(i) the cause and nature ofthe Medical Conditionrequiring treatment;

(ii) original, itemized medicalinvoices;

(iii) original prescription receipts;

(iv) the Insured Persons dateof birth (proof of age maybe required);

(v) a photocopy of the InsuredPersons GHIP (Health) card;

(vi) name, address and phonenumber of employer;

(vii) proof of Your departureand/or return date (i.e., copyof tickets/receipts/prepaid

accommodation invoice/gasreceipts);

(viii) name, address and policynumbers for all other insurancecoverage the Insured Personmay have, including groupand individual insurance, creditcard coverage and any otherreimbursement plans; and

(ix) signed authorization toobtain any furtherrequired information.

Claims submitted with incompleteor insufcient documentation maynot be paid.

trip CanCellation/trip

interruption insuranCe

Coverage is underwrittenby American Bankers InsuranceCompany of Florida.

Eligibility

For this benet, Insured Personmeans the Cardholder, his orher Spouse and each DependentChild booked to travel on a Trip

with You and/or Your Spouseif the full cost of Eligible Expensesfor the Trip has been chargedto the Account. Insured Personalso means up to 2 TravellingCompanions booked to travel on aTrip with You and/or Your Spouse


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world Benefits 15

if the full cost of his or her EligibleExpenses for the Trip has beencharged to the Account.

trip CanCellation

insuranCe (prior

to departure)

Benets

You will be reimbursed for any

Eligible Expenses which are notrefundable or reimbursablein any manner if, prior to thescheduled departure, an InsuredPerson is required to cancel aTrip due to one of the followingCovered Causes for Cancellation.The maximum amount payableis $1,000 per Insured Person and

$5,000 per Trip and will belimited to the cancellation penaltiesin effect on the date the CoveredCause for Cancellation arises.It is therefore important that

You cancel travel arrangements

with the travel supplier as

soon as a Covered Cause

for Cancellation arises.

You must also advise the

Administrator immediately.

You will be reimbursed for anyRescheduling Expenses which arenot refundable or reimbursablein any manner if, prior to Yourscheduled departure, an InsuredPerson chooses to reschedule aTrip due to one of the followingcovered Causes for Cancellation.The amount payable is the lesser ofthe Rescheduling Expenses and theamount that would have been paidunder this Certicate if the Triphad been cancelled outright. Yourrescheduled trip will be considereda new Trip under this Certicate

and the Preexisting Conditionperiod will be measured fromthe date the new Trip was booked.

Please note: This coverage willonly cover any excess cost (i.e., theadministration charges to cancelor change the itinerary) over andabove the travel rewards providedby any reward or frequent yerplan. This plan does not coverthe value of the loss of rewardor frequent yer plan points.

Covered Causes for

Cancellation (rst occurring

after the Trip was booked)

mean the following:

Medical Covered Causes

for Cancellation

(i) death of an Insured Person oran Insured Persons ImmediateFamily Member or TravellingCompanion occurring within31 days prior to the scheduledTrip departure date;

(ii) Accidental Bodily Injuryor sudden and unexpectedsickness, which did not result

from a Pre-existing Condition,of an Insured Person or anInsured Persons TravellingCompanion which caused theInsured Person to be unableto start the Trip. A Physicianmust substantiate in writingthat prior to the scheduleddeparture date, he or she

advised the Insured Personto cancel the Trip or thatthe Medical Condition orAccidental Bodily Injury madeit impossible for the InsuredPerson to start the Trip;

(iii) Hospitalization of an InsuredPersons Immediate Family


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Member, which did not result

from a Pre-existing Condition,

occurring after the Trip

was booked and within

31 days prior to the Trip

departure date;

(iv) Hospitalization or the death

of an Insured Persons Legal

Business Partner or Key

Employee; and

(v) Hospitalization or the deathof an Insured Persons host

at destination.

Non-medical Covered Causes

for Cancellation

(i) an enforceable call of an

Insured Person to jury duty

or sudden and unexpected

subpoena of an Insured Personto act as a witness in a court

of law requiring the Insured

Persons presence in court

during the Trip, except where

the Insured Person is a law

enforcement ofcer;

(ii) a written formal notice issued

by the Department of Foreign

Affairs and International Trade

of the Canadian government,

advising Canadians not to travel

to a country, region or city for

which a Ticket had originally

been issued for a period that

includes an Insured Persons Trip;

(iii) an employment transfer of the

Insured Person by the employer

with whom he or she is

employed on the date the Tripwas booked, which requires

the relocation of the Insured

Persons principal residence

within 30 days before the

scheduled Trip departure from

the Insured Persons usual place

of residence;

(iv) a natural disaster that renders

an Insured Persons principal

residence uninhabitable;

(v) an Insured Persons quarantine

or hijacking;

(vi) a call to service of an Insured

Person by government with

respect to reservists, military,

police or re personnel; and(vii) a delay causing an Insured

Person to miss a connection

for a Common Carrier or

resulting in the interruption

of an Insured Persons travel

arrangements including

the following:

A delay of an Insured

Persons CommonCarrier, resulting from

the mechanical failure

of that carrier;

A trafc accident or an

emergency police-directed

road closure (either must

be substantiated by a police

report); or

Weather conditions.

The outright cancellation of a ight

is not considered as a delay. The

benet under this Covered Cause

of Cancellation is the Insured

Persons one-way economy fare via

the most cost-effective route to the

Insured Persons next destination.

Limitations and Exclusions

Benets are not payable for thecancellation of any Trip resulting

directly or indirectly from:

(i) any reason other than those

listed under Covered Causes

for Cancellation;

(ii) a Pre-existing Condition;


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(iii) pregnancy, childbirth and/orrelated complications occurringwithin 9 weeks of the expecteddelivery date;

(iv) intentionally self-inictedinjuries, suicide or anyattempt thereat;

(v) illness or accidental injurysustained while under theinuence of drugs, medication,

alcohol or other intoxicants;(vi) participation in a criminal

offence;(vii) acts of terrorism, insurrection

or war, whether declaredor undeclared;

(viii) voluntary participationin a riot or civil commotion;

(ix) mental or emotional

disorders; or(x) participation in professionalsports, speed contests,dangerous sports or events.

How to Claim

When a claim occurs due to aCovered Cause for Cancellation,Youmust cancel the Trip and notify theAdministrator at 1-866-224-0178

from Canada and the United Statesor 416-642-2303 locally or collectfrom elsewhere in the world within48 hours of the time the CoveredCause for Cancellation arose.

trip interruption/

trip delay insuranCe

(post departure)

Benets

You will be reimbursed the lesserof the additional charges paid byYou for a change in ticketing, orthe cost of a one-way economyfare to return to point of

departure, plus the unused portionof any other Eligible Expenseswhich are not refundable in anyother manner if, as a result ofone of the following CoveredCauses for Interruption or Delayoccurring during the Trip, anInsured Person is prevented fromcontinuing a Trip or returning onhis or her scheduled return date.

The maximum amount payableexcludes the cost of pre-paidunused return transportation,and is subject to a maximum limitof $5,000 per Insured Person and$25,000 per Trip.

Please note: This coverage willonly cover any excess cost (i.e., theadministration charges to cancel

or change the itinerary) over andabove the travel rewards providedby any reward or frequent yerplan. This plan does not coverthe value of the loss of rewardor frequent yer plan points.

Covered Causes for

Interruption mean the

following:

Medical Covered Causes

for Interruption/Delay

(i) death of an Insured Person oran Insured Persons ImmediateFamily Member, or TravellingCompanion, during the Trip;

(ii) Accidental Bodily Injuryor sudden and unexpected

sickness of an InsuredPerson or an Insured PersonsTravelling Companion whichdid not result from aPre-existing Condition, which,in the sole opinion of theAdministrator, based on


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medical advice provided by the

attending Physician, requires

immediate medical attention

and prevents an Insured Person

from returning from the Trip

on the scheduled return date;

(iii) Accidental Bodily Injury

or sudden and unexpected

sickness requiring

Hospitalization of an Insured

Persons Immediate FamilyMember during the Trip,

which did not result from

a Pre-existing Condition and

which requires immediate

Hospitalization and which

was not known to the Insured

Person prior to departure;

(iv) Hospitalization or the death

of an Insured Persons LegalBusiness Partner or Key

Employee; and

(v) Hospitalization or the death

of an Insured Persons host

at destination.

Non-Medical Covered Causes

for Interruption/Delay

(i) a written formal notice issued

by the Department of Foreign

Affairs and International Trade

of the Canadian government

during the Trip, advising

Canadians not to travel to

a country, region or city for

which a ticket has been issued

for a period that includes an

Insured Persons Trip;

(ii) a natural disaster that rendersan Insured Persons principal

residence uninhabitable;

(iii) an Insured Persons quarantine

or hijacking;

(iv) a call to service of an Insured

Person by government with

respect to reservists, military,

police or re personnel; and

(v) a delay causing an Insured

Person to miss a connection

for a Common Carrier or

resulting in the interruption

of an Insured Persons travel

arrangements including

the following:

A delay of an Insured

Persons Common Carrier,resulting from the

mechanical failure

of that carrier;

A trafc accident or an

emergency police-directed

road closure (either must

be substantiated

by a police report); or

Weather conditions.The outright cancellation of a

ight is not considered as a delay.

The benet under this Covered

Cause for Interruption is the

Insured Persons one-way economy

air fare via the most cost-effective

route to the Insured Persons

next destination (inbound

and outbound).


Benets are not payable for the

interruption or delay of any Trip

resulting directly or indirectly from:

(i) any reason other than those

listed under Covered Causes

for Interruption/Delay;

(ii) a Pre-existing Condition;

(iii) pregnancy, childbirth and/or

related complications occurring

within 9 weeks of the expected

delivery date;

(iv) intentionally self-inicted

injuries, suicide or any

attempt thereat;


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(v) illness or accidental injurysustained while under theinuence of drugs, medication,alcohol or other intoxicants;

(vi) participation in a criminaloffence;

(vii) acts of terrorism, insurrectionor war, whether declaredor undeclared;

(viii) voluntary participation in

a riot or civil commotion;(ix) mental or emotional

disorders; or(x) participation in professional

sports, speed contests,dangerous sports or events.

How to Claim

When a claim occurs due to aCovered Cause for Interruption/Delay, You must notify theAdministrator at 1-866-224-0178from Canada and the United Statesor 416-642-2303 locally or collectfrom elsewhere in the world.They will assist You in making thenecessary arrangements to return.

flight delay insuranCe


For this benet, Insured Personmeans the Cardholder, his or herSpouse and Dependent Child(ren)while travelling with the Cardholderor Spouse.

Benets

The Insurer will reimburse theCardholder for all Insured Personstravelling on the same Trip ifthe conrmed scheduled ightdeparture from any airport isdelayed by 4 hours or more, for

necessary and reasonable expensesincurred with respect to hotelaccommodations, restaurantmeals, refreshments, EssentialItems and sundry items (such asa magazine, paperback book andother such small items) within48 hours of the delay or deniedboarding, to a maximum of $250per day for all Insured Persons on

the same Trip, and a maximum of$1,000 total per Trip, provided that:

(i) the full cost of the delayedight was charged tothe Account;

(ii) no alternative transportation ismade available to the InsuredPerson within 4 hours of thescheduled departure time of

the original ight;(iii) delay of the ight was the

result of strike by airlinepersonnel, quarantine, civilcommotion, hijack, naturaldisaster, inclement weather,mechanical breakdown ordenied boarding due tooverbooking; and

(iv) the Cardholder provides therequired proof of loss tothe Insurer, including planeTicket(s), or the sales receiptfor the plane Ticket(s), awritten statement from theairline conrming and detailingthe delay and itemized originalreceipts with respect to thenecessary and reasonable

expenses incurred for hotelaccommodations, restaurantmeals, refreshments, EssentialItems and other sundry items.

This coverage is in excess of allother applicable valid insurance,indemnity, reimbursement or


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protection available to You inrespect o the claim. The Insurerwill be liable only or the amounto loss or damage over theamount covered under suchother insurance, indemnity,reimbursement or protection andor the amount o any applicabledeductible, only i all such othercoverage has been claimed under

and exhausted and subject to theterms, exclusions and limits oliability set out in this Certifcate oInsurance. This coverage will notapply as contributing insurance,notwithstanding any provisionin any other insurance, indemnityor protection policies or contracts.


The Insurer does not cover losscaused by or resulting rom:

(i) criminal or raudulent actso the Insured Person;

(ii) war, whether declaredor undeclared, civil war,insurrection, rebellion orrevolution; or

(iii) any warlike act by anygovernment or military orce.

How to Claim

In the event o a claim, contact theAdministrator at 1-866-224-0178rom Canada and the United Statesor 416-642-2303 locally or collectrom elsewhere in the world.

lost Baggage insurance

Coverage is underwrittenby American Bankers InsuranceCompany o Florida.

For this beneft, Insured Personmeans the Cardholder, his orher Spouse and Dependent

Child(ren) while travelling withthe Cardholder or Spouse.

Benefts

In the event that the CommonCarrier irretrievably loses anInsured Persons checked baggage,the Insurer will reimburse theCardholder up to a maximumo $1,000 per Trip or all Insured

Persons on the same Trip or directphysical loss o baggage, andthe personal property containedtherein, when an Insured Personsbaggage is checked with aCommon Carrier, provided that theull cost o the Ticket was chargedto the Account. Payment is basedon the actual replacement costo any lost or stolen articleprovided the article is actuallyreplaced. Otherwise, payment isbased on the actual cash valueo the article at the time o loss.


Lost Baggage insurance does notcover, provide service or pay claimsresulting rom:

(i) loss o items not stored inchecked baggage or in custodyo an airline or Common Carrier;

(ii) a loss caused by normal wearand tear, gradual deterioration,moths or vermin;

(iii) loss o animals, automobiles(including equipment andcontents), trailers, motorcycles,

bicycles, boats, motors,other conveyances or theiraccessories, souvenirs, ragileor collectible items, jewellery,gems, household eects andurnishings, contact lenses,non-prescription sunglasses,artifcial teeth and prostheses,


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world Benefits 21

medical equipment andappliances, money, securities,tickets, documents, anyproperty pertaining to abusiness, profession oroccupation; personal computers,software or cellular phones;

(iv) loss of items due to radiation,conscation or quarantine byany customs or government

authority, war (declared orundeclared) risks, or contrabandor illegal transportation or trade;

(v) a loss incurred while theInsured Person is performinga negligent act(s) or criminalact(s); or

(vi) items specically or otherwiseinsured.

This coverage is in excess of allother applicable valid insurance,indemnity, reimbursement orprotection available to the InsuredPerson in respect of the claim.The Insurer will be liable only forthe amount of loss or damageover the amount covered undersuch other insurance, indemnity,

reimbursement or protection andfor the amount of any applicabledeductible, only if all such othercoverage has been claimed underand exhausted and subject to theterms, exclusions and limits ofliability set out in this Certicateof Insurance. This coverage willnot apply as contributinginsurance, notwithstanding any

provision in any other insurance,indemnity or protection policiesor contracts.

How to Claim

In the event of a claim, contact theAdministrator at 1-866-224-0178from Canada and the United States

or 416-642-2303 locally or collectfrom elsewhere in the world.

You will be required to submit acompleted claim form and providedocumentation to substantiate theclaim, including the following:

(i) a copy of the Ticket(s) and acopy of the Account statementshowing the charge for

the Tickets;(ii) a copy of the baggage

claim ticket;(iii) the original itemized sales

receipts for replacementcosts incurred;

(iv) proof of Your departureand/or return date (i.e., copyof tickets/receipts/prepaid

accommodation invoice/gasreceipts);(v) name, address and policy

numbers for all otherreimbursement or insurancecoverage the Insured Personmay have, including groupand individual insurance,credit card coverage, CommonCarrier and any other

reimbursement plans; and(vi) written statement from the

Common Carrier or airlineconrming and detailingthe loss, including:

a) date and time of loss;b) a statement of liability

accepted by the CommonCarrier, if any;

c) reason or circumstancessurrounding the loss; and

d) any other informationreasonably required bythe Insurer.



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22 world Benefits

Car rental Collision/loss

daMage waiver insuranCe

This coverage is underwritten

by American Bankers Insurance

Company of Florida.

For the purposes of the Car Rental

Collision/Loss Damage Waiver

benet, Insured Person means

a Cardholder and any other person

who holds a valid drivers licenseand has the Cardholders express

permission to operate the rental

vehicle. This includes drivers not

listed on Your rental contract,

provided they would otherwise

qualify under the rental contract

and are permitted to drive the

rental vehicle under the laws of

the jurisdiction in which the rentalvehicle shall be used.

Eligibility

You are eligible for Car Rental


coverage when You rent most

private passenger vehicles on a

daily or weekly basis for a period

NOT to exceed 48 consecutive

days, provided that:

(i) You initiate the rental

transaction by booking or

reserving the vehicle rental

with Your Capital One

MasterCard and by providing

Your Capital One MasterCard

as payment guarantee prior to

the time You take possession

of the vehicle;(ii) You decline the rental agencys

collision damage waiver (CDW)

or loss damage waiver (LDW),

or similar provision; and

(iii) You rent the vehicle in Your

name and charge the entire

cost of the car rental to

the Account.

Rental vehicles which are part

of a Car Sharing program

are eligible for this Car Rental


coverage if the full cost of the

rental of the vehicle was charged

to the Account and all other

eligibility requirements were met.

Free Rentals are also eligible

for benets when received as the

result of a promotion conditioned

on Your making previous vehicle

rentals, if each such previous rental

met the eligibility requirements

of this Certicate of Insurance.

Benets

Subject to the terms, exclusions

and limits of liability set out in this

Certicate of Insurance, You are

provided with the same protection

against losses arising from the

contractual liability assumed when

renting and operating a rental

vehicle as You would have if Youaccepted the rental agencys

collision or loss damage waiver (or

similar provision) up to the actual

cash value of the damaged or

stolen rental vehicle as well as any

reasonable, valid and documented

loss of use, reasonable and

customary towing charges and

administration charges resulting

from damage or theft occurring

while the rental vehicle is rented

in Your name. Benets are limited

to one vehicle rental during any

one period. If during the same

period more than one vehicle

is rented by the Cardholder, only


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world Benefits 23

the rst rental will be eligible

for these benets.

In some jurisdictions the law

requires the rental agencies

to include CDW/LDW in the price

of the vehicle rental. In these

locations, Car Rental Collision/Loss

Damage Waiver benets under the

Policy will only provide coverage

for any deductible that may apply,

provided all the requirements

outlined in this Certicate of

Insurance have been met and You

have waived the rental agencys

deductible waiver. No CDW/LDW

premiums charged by the rental

agencies will be reimbursed under

the Policy. Rental vehicles which are

part of pre-paid travel packages

are eligible for benets if the totalcost for Your trip was charged

to the Account and all other

requirements herein are met.

This coverage is available on

a 24-hour basis anywhere in the

world, except where prohibited

by law, or where the coverage

is in violation of the terms of the

rental contract in the jurisdictionin which it was formed. (See the

section Know Before You Go

for tips on how to avoid having

use of this coverage challenged.)

This coverage does not

provide any form of third

party automobile property

damage or personal injury

liability insurance.

Important: Check with Your

personal insurer and the rental

agency to ensure that You and

all other drivers have adequate

personal property, personal injury

and third party liability coverages.

The Policy only covers loss

or damage to a rental vehicle,

as stipulated herein.

Know Before You Go

While Car Rental Collision/Loss

Damage Waiver benets provide

coverage on a worldwide basis

(except where prohibited by law),

and the coverage is well received

by car rental merchants, there isno guarantee that this coverage

will be accepted at every car

rental facility. Some rental agencies

may resist Your declining their

CDW/LDW coverage. They may

try to encourage You to take their

coverage. If You refuse, they may

insist You provide a deposit. Before

booking a vehicle, conrm that

the rental agency will accept this

Car Rental Collision/Loss Damage

Waiver insurance without requiring

a deposit. If they wont, nd one

that will, and try to get written

conrmation. If booking Your trip

through a travel agency, let them

know You want to take advantage

of this Car Rental Collision/Loss

Damage Waiver insurance andhave them conrm the rental

agencys willingness to accept

this coverage.

You will not be compensated for

any payment You may have to

make to obtain the rental agencys

CDW/LDW.

Check the rental vehicle carefully

for scratches, dents and windshield

chips and point out any damage to

the agency representative before

You take possession of the vehicle.

Have them note the damage on

the rental agreement (and take


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24 world Benefits

a copy with You), or ask foranother vehicle.

If the vehicle sustains damageof any kind, immediately phonethe Administrator at one of thenumbers provided. Advise therental agent that You havereported the claim and providethe Administrators addressand phone number. Do notsign a blank sales draft to

cover the damage and loss

of use charges.

Coverage Period

Insurance coverage begins as soonas the Cardholder or other personauthorized to operate the rentalvehicle takes control of the vehicle,

and ends at the earliest of:(i) the time the rental agency

assumes control of the rentalvehicle, whether it be at itsplace of business or elsewhere;

(ii) the date the Account iscancelled, closed or ceasesto be in Good Standing;

(iii) the date the Insured Person

ceases to be eligible forcoverage; or

(iv) the date the Policy is cancelled.

Types of Vehicles Covered

The types of rental vehicles coveredinclude cars, sport utility vehiclesand mini-vans (as dened below).

Mini-vans are covered provided they:

(i) are for private passenger usewith seating for no more than8 occupants including thedriver; and

(ii) are not to be used for hireby others.

Types of Vehicles NOT Covered

Vehicles which belong to thefollowing categories areNOT covered:

(i) any vehicle with amanufacturers suggestedretail price, excluding taxes,over $65,000 at the timeand place of loss;

(ii) vans (except as dened above);(iii) trucks, pick-up trucks or any

vehicle that can be reconguredinto a pick-up truck;

(iv) campers or trailers orrecreational vehicles;

(v) off-road vehicles;(vi) motorcycles, mopeds

or motorbikes;(vii) expensive or exotic vehicles;

(viii) customized vehicles;(ix) antique vehicles; and(x) leased vehicles.

An antique vehicle is one which isover 20 years old or its model hasnot been manufactured for 10years or more.

Limousines that have been

stretched or altered from theoriginal factory design areexcluded. However, standardproduction models of thesevehicles that are not used aslimousines are not excluded.


Car Rental Collision/Loss DamageWaiver benets do not cover any

loss caused or contributed to by:

(i) operation of the rental vehiclein violation of the law or anyterms and conditions of therental agreement/contract;

(ii) operation of the vehicle byany driver not so authorized;


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world Benefits 25

(iii) operation of the vehicle byany driver not in possessionof a drivers license that isvalid in the rental jurisdiction;

(iv) operation of the vehicleon other than regularlymaintained roads;

(v) alcohol intoxication wherethe drivers blood alcoholconcentration is equal to

or over the blood alcoholconcentration limit forimpaired driving under theCriminal Code of Canada orthe jurisdiction in which thevehicle rental occurred, iflower, or the driver is chargedfor impaired driving;

(vi) use of narcotic by the driver;

(vii) nuclear reaction, radiationor radioactive contamination;(viii) damage to tires unless in

conjunction with aninsured cause;

(ix) wear and tear, gradualdeterioration, mechanicalbreakdown of vehicle;

(x) any damage caused bymoving or transporting cargo;

(xi) insects or vermin, inherentvice or damage;

(xii) hostile or warlike action,insurrection, rebellion,revolution or civil war;

(xiii) seizure or destruction underquarantine or customsregulations or conscationby any government or

public authority;(xiv) transporting contrabandor illegal trade;

(xv) transportation of propertyor passengers for hire; or

(xvi) any dishonest, fraudulentor criminal act committed orattempted by the Cardholderand/or any authorized driver.

Benets do NOT include

coverage for:

(i) vehicles rented for a periodthat exceeds 48 consecutivedays, whether or not under

one or more consecutiverental agreements;

(ii) a replacement vehicle forwhich Your personalautomobile insurance, cardealer, repair shop, or otherparty is covering all or partof the rental cost;

(iii) loss or theft of personal

belongings in the vehicle,including cellular telephones,portable computers, electronicand communication devices;

(iv) expenses assumed, waivedor paid or payable by therental agency or its insurer;

(v) third party liability (injuryto anyone or anything insideor outside the vehicle); or

(vi) any amount payable byYour employer or employersinsurance coverage,if the rental car was forbusiness purposes.

If the rental period exceeds48 days, no coverage will beprovided even for the rst

48 days of the rental period.Coverage may not be extendedfor more than 48 days byrenewing or taking out a newrental agreement with the sameor another vehicle rental agencyfor the same or another vehicle.


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26 world Benefits

How to Claim

You must report a claim to theAdministrator as soon as possible,and in all events within 48 hoursof the damage or theft havingoccurred. Call 1-866-224-0178from Canada and the United Statesor 416-642-2303 locally or collectfrom elsewhere in the world.Failure to report a claim within 48

hours may result in denial of theclaim or reduction of Your benet.

A customer service representativewill take down some preliminaryinformation, answer any questionsYou may have, and forward Youa claim form. You will berequired to submit a completedclaim form including the

following documentation:

(i) a copy of the drivers licenseof the person who was drivingthe vehicle at the time ofthe accident;

(ii) a copy of the loss/damagereport You completed with therental agency;

(iii) a copy of a police report

required when the lossresults in damage or theftover $1,000;

(iv) a copy of Your sales receipt,and Your statement of Accountshowing the rental charge;

(v) the front and back of theoriginal opened and closed-outrental agreement;

(vi) a copy of the itemized repairestimate, nal itemized repairbill and parts invoices;

(vii) original receipt(s) for anyrepairs for which You mayhave paid; and

(viii) if loss of use is charged,a copy of the rental agencyscomplete daily utilization logfrom the date the vehicle wasnot available for rental, to thedate the vehicle becameavailable to rent.


purChase assuranCe

and extended warranty

insuranCe


Purchase Assurance and ExtendedWarranty coverage are availableonly to the Cardholder. No otherperson or entity shall have anyright, remedy or claim, legalor equitable to the benets.

Benets are only available whenthe full cost of personal itemsis charged to the Account.

Purchase Assurance

Purchase Assurance benetsare available automatically, withoutregistration, to protect mostnew items of personal property

purchased with Your Capital One

MasterCard.

Benefts

Eligible items are protectedfor 120 days from the date ofpurchase against loss, damageor theft anywhere in the world,subject to the Limitations andExclusions below. If such an itemis lost, stolen or damaged, it will


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world Benefits 27

be replaced or repaired or You

will be reimbursed the purchase

price charged to the Account, at

the Administrators discretion.


Purchase Assurance coverage

is in excess of all other applicable

valid insurance, indemnity,

warranty or protection available

to You in respect of the item(s)subject to the claim.

Purchase Assurance benets

are not available in respect of

the following:

(i) travellers cheques, cash

(whether paper or coin),

bullion, precious metals,

tickets, documents, stamps,

negotiable instruments or

property of a similar nature;

(ii) animals or living plants;

(iii) golf balls or other sports

equipment lost or damaged

during the course of

normal use;

(iv) mail order, Internet, telephone

purchases or any purchase

being shipped until deliveredand accepted by You in new

and undamaged condition;

(v) automobiles, motorboats,

airplanes, motorcycles,

motorscooters, snowblowers,

riding lawn mowers, golf carts,

lawn tractors or any other

motorized vehicles (except for

miniature electrically powered

vehicles intended for recreational

use by children) or any of their

respective parts or accessories;

(vi) perishables such as food and

liquor and/or goods consumed

in use;

(vii) jewellery and gems stored in

baggage unless such baggage

is hand carried under the

personal supervision of the

Cardholder or such Cardholders

Travelling Companion with the

Cardholders knowledge;

(viii) used or previously owned or

refurbished items, including

antiques, collectibles and

ne arts;(ix) items purchased and/or

used by or for a business

or for commercial gain;

(x) losses caused by or resulting

from fraud, misuse or lack

of care, improper installation,

hostilities of any kind (including

war, terrorism, invasion,

rebellion or insurrection),conscation by authorities,

risks of contraband, illegal

activities, normal wear or tear,

ood, earthquake, radioactive

contamination, Mysterious

Disappearance, or inherent

product defects;

(xi) bodily injury, property damage,

consequential damages,

punitive damages, exemplarydamages and legal fees; or

(xii) services, including delivery

and transportation costs of

items purchased.

See General Provisions for Purchase

Assurance and Extended Warranty

Insurance below.

Extended WarrantyCoverage is only available when

the full cost of personal items

with an Original Manufacturers

Warranty valid in Canada is

charged to the Account.


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28 world Benefits

Benets

Extended Warranty benets areavailable automatically, withoutregistration, to provide Youwith double the period of repairservices otherwise providedby the Original ManufacturersWarranty, to a maximum of 2 fullyears, on most personal itemspurchased new and charged

to the Account provided that,in all cases, automatic coverageis limited to Original ManufacturersWarranties of 5 years or less.

Extended Warranty benetsapply to any parts and/or labourcosts resulting from mechanicalbreakdown or failure of a covereditem, where such obligation

was specically covered underthe terms of the OriginalManufacturers Warranty.

Extended Warranty benets arelimited to the lesser of the costto repair or replace or the originalpurchase price of the eligible item,including applicable taxes.

Limitations and ExclusionsExtended Warranty coverageis in excess of all other applicablevalid insurance, indemnity,warranty or protection availableto You in respect of the item(s)subject to the claim.

The Extended Warranty benetends automatically upon the date

when the original manufacturerceases to carry on businessfor any reason whatsoever.

The Extended Warranty benetdoes not cover the following:

(i) aircraft, automobiles,motorboats, motorcycles,motor scooters, snowblowers,snowmobiles, riding lawnmowers, golf carts, lawntractors, or any othermotorized vehicles (exceptfor miniature electricallypowered vehicles intended forrecreational use by children),

or any of their respective partsor accessories;

(ii) services;(iii) items purchased and/or

used by or for a businessor for commercial gain; or

(iv) bodily injury, propertydamages, consequentialdamages, punitive damages,

exemplary damagesor aggravated damagesand legal fees.

general provisions for

purChase assuranCe

and extended warranty

insuranCe

Gifts

Eligible items that You giveas gifts are covered for PurchaseAssurance and Extended Warrantybenets. In the event of a claim,You, not the recipient of the gift,must make the claim for benets.

Limits of Liability

There is a maximum lifetime

liability of $60,000 per Account.You will be entitled to receiveno more than the original purchaseprice of the protected item asrecorded on Your sales receipt.When the protected item is partof a pair or set, You will receive


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no more than the value of theparticular part or parts lost ordamaged regardless of any specialvalue that the item may have aspart of an aggregate purchaseprice of such pair or set. TheInsurer, at its sole option, mayelect to:

(i) repair, rebuild or replace theitem lost or damaged (whetherwholly or in part); or

(ii) pay You for said item, notexceeding the lesser of theoriginal purchase price, thereplacement price or the repaircost thereof and subject to theexclusions, terms and limitsof liability as stated in thisCerticate of Insurance.

Other Insurance

Purchase Assurance and ExtendedWarranty coverage is in excess ofall other applicable valid insurance,indemnity, warranty or protectionavailable to You in respect of theitem(s) subject to the claim. TheInsurer will be liable only for theamount of loss or damage over theamount covered under such otherinsurance, indemnity, warranty orprotection and for the amount ofany applicable deductible, and onlyif all such other coverage hasbeen claimed under andexhausted, and further subject tothe terms, exclusions and limits ofliability set out in this Certicate of

Insurance. This coverage will notapply as contributing insurance,notwithstanding any provisionin any other insurance, indemnityor protection policies or contracts.

How to Claim

You must keep original receiptsand other documents describedherein to le a valid claim.

Immediately after learning of anyloss or occurrence, You must notifythe Administrator by telephoning1-866-224-0178 from Canadaand the United States or416-642-2303 collect fromelsewhere in the world. TheAdministrator will send You theapplicable claim form(s). Yourfailure to provide proof of losswithin 90 days from the date ofloss or damage may result in denialof the related claim.

You must complete and sign

the claim form which must containthe time, place, cause and amountof loss, and include the following:

(i) the customer copy of Yoursales receipt and a copy of theAccount statement showingthe charge;

(ii) the original vendorssales receipt;

(iii) a copy of the OriginalManufacturers Warranty(for Extended Warrantyclaims); and

(iv) a police, re, insurance claimor loss report and/or otherreport of the occurrence ofthe loss sufcient fordetermination of eligibilityfor the benets hereunder.

Prior to proceeding with any repairservices, You must obtain theAdministrators approval in orderto ensure the eligibility for paymentof Your claim. At the sole discretionof the Insurer, You may be required


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to send, at Your own expense, thedamaged item on which a claim isbased to the Administrator in orderto support Your claim. Paymentmade in good faith will dischargethe Insurer to the extent ofthis claim.

Termination of Coverage

Coverage ends on the earliest of:

(i) the date the Account iscancelled, closed or ceasesto be in Good Standing;

(ii) the date the Cardholder ceasesto be eligible for coverage; and

(iii) the date the Policy terminates.

No coverage will be provided foritems purchased after the Policytermination date.

priCe proteCtion

insuranCe

This coverage is underwrittenby American Bankers InsuranceCompany of Florida.

Price Protection coverage isavailable only to the Cardholder.No other person or entity shallhave any right, remedy or claim,legal or equitable, to the benets.

Benets

Price Protection benets are ineffect for 60 days from the date ofpurchase of most new itemsof personal property purchased in

Canada and charged in full to theAccount, subject to the Limitationsand Exclusions below. If, within 60days of the purchase of an eligibleitem, You nd an identicalitem advertised for retail sale inCanada at a price lower than

the price You paid, You will bereimbursed for the price difference.Reimbursement is based on theprice of the item before applicabletaxes, manufacturers rebate,store rebates, and shipping andinstallation charges.

Price Protection benets aresubject to a minimumreimbursement of $10 per item,a maximum of $100 per itemand a calendar year maximum of$500 per Account. Price Protectionbenets will apply to a maximumof 3 identical items purchased, andan item may only be submitted forreimbursement once during the60-day period.

Limitations and ExclusionsPrice Protection is not availablein respect of the following:

(i) travellers cheques, cash(whether paper or coin),bullion, precious metals,tickets, documents, stamps,negotiable instruments orproperty of a similar nature;

(ii) animals, living plants orperishables such as foodand liquor and/or goodsconsumed in use;

(iii) computers (includinghardware, software, printersand scanners), cellular phones,personal digital assistants(PDA) or any similarelectronic device;

(iv) automobiles, motorboats,airplanes, motorcycles, motorscooters, riding lawn mowers,golf carts, lawn tractorsor any other motorizedvehicles (except for miniatureelectrically powered vehicles


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world Benefits 31

intended for recreational useby children), or any of theirrespective parts, fuelsor accessories;

(v) one-of-a-kind items;(vi) used or previously owned or

refurbished items, includingantiques, collectibles andne art;

(vii) items purchased and/or used

by or for a business or forcommercial gain; or

(viii) services, including deliveryand transportation costs ofitems purchased.

Price Protection benets do notapply if the retailer refunds thedifference between the originaland lower price. Price comparisons

with liquidated merchandise, greymarket (Internet) items and giftcard or savings card incentivesissued by a retailer are not eligiblefor Price Protection benets.

You are only eligible for PriceProtection benets if the Accountis in Good Standing at the timeof claim.

Gifts

Eligible items that You give asgifts are covered. In the event ofa claim, You, not the recipientof the gift, must make the claimfor benets.

Other Insurance

Price Protection coverage is in

excess of all other applicable validinsurance, indemnity, warrantyor protection available to Youin respect of the item(s) subjectto the claim. The Insurer willbe liable only for the amountof the price difference over the

amount covered under such otherinsurance, indemnity, warrantyor protection and for the amountof any applicable deductible,and only if all such other coveragehas been claimed under andexhausted, and further subject tothe terms, exclusions and limits ofliability set out in this Certicate ofInsurance. This coverage will not

apply as contributing insurancenotwithstanding any provision inany other insurance, indemnity orprotection policies or contracts.

How to Claim

You must keep original receiptsand other documents describedherein to le a valid claim.

You must notify the Administratorby telephoning 1-866-224-0178from Canada and the United Statesor 416-642-2303 collect fromelsewhere in the world as soon asYou discover the advertised pricedifference. The Administrator willsend You the applicable RefundForm. Your failure to provide thecompleted Refund Form and proofof claim under items (i) (iii) belowwithin 120 days from the date ofpurchase may result in denial ofthe related claim.

You must complete and signthe Refund Form and includethe following:

(i) the customer copy of Your

sales receipt and a copy of theAccount statement showingthe charge;

(ii) the original vendors salesreceipt; and


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(iii) a dated advertisement/yer

to prove that the identical item

was offered in Canada at the

reduced price within 60 days

of the date of Your purchase.

Payment made in good faith

will discharge the Insurer to

the extent of this claim.

general provisions andstatutory Conditions

Unless otherwise expressly

provided herein or in the Policy,

the following general provisions

apply to the benets described

in this Certicate of Insurance.

Notice and Proof of Claim

Immediately after learning of aloss, or an occurrence which may

lead to a loss under any of these

insurance benets, notify the

Administrator. You will then be

sent a claim form.

Written notice of claim must be

given to the Administrator as soon

as reasonably possible after the

occurrence or commencementof any loss covered by the Policy,

but in all events, provided within

90 days from the date of such

loss. Written notice given by or

on behalf of the claimant or the

beneciary, with information

sufcient to identify the

Cardholder, shall be deemed

notice of claim.

The completed claim forms

together with written proof of

loss must be delivered as soon

as reasonably possible, but in all

events within one year from the

date on which the loss occurred.

Failure to provide notice or

furnish proof of claim within the

time prescribed herein does not

invalidate the claim if the notice

or proof is given or furnished as

soon as reasonably possible, and in

no event later than one year from

the date a claim arises hereunder,

if it is shown that it was not

reasonably possible to give notice

or furnish proof within the time soprescribed. If the notice or proof is

given or furnished after one year,

Your claim will not be paid.

Payment of Claim

Benets payable under the Policy

will be paid upon receipt of full

written proof, as determined by

the Insurer.

Examination and Autopsy

The Insurer at is own expense shall

have the right and opportunity

to examine any Insured Person

whose injury or illness is the basis

of a claim hereunder when and

so often as it may reasonably

require during pendency of claim

hereunder, and also the rightand opportunity to make an

autopsy in case of death where

it is not forbidden by law.

Termination of Insurance

Coverage ends on the earliest of:

(i) the date the Account is

cancelled, closed or ceases

to be in Good Standing;

(ii) the date the Insured Person

ceases to be eligible for

coverage; and

(iii) the date the Policy terminates.

No losses incurred after the Policy

termination date will be paid,

unless otherwise specied.


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Subrogation

Following payment of an Insured

Persons claim for loss or damage,

the Insurer shall be subrogated

to the extent of the amount of

such payment, to all of the rights

and remedies of the Insured Person

against any party in respect of

such loss or damage, and shall be

entitled, at its own expense, to

sue in the Insured Persons name.The Insured Person shall give the

Insurer all such assistance as is

reasonably required to secure its

rights and remedies, including

the execution of all documents

necessary to enable the Insurer

to bring suit in the name of the

Insured Person.

Due Diligence

The Insured Person shall use

due diligence and do all things

reasonable to avoid or diminish any

loss or damage under the Policy.

False ClaimIf You make any claim knowing

it to be false or fraudulent in

any respect, You shall no longerbe entitled to the benets of

this insurance nor to the payment

of any claim under the Policy.

Legal Action

Every action or proceeding against

an Insurer for the recovery of

insurance money payable under

the contract is absolutely barred

unless commenced within the timeset out in the Insurance Act or

other applicable legislation.

Access to Medical Care

The Insurer, the Policyholder

and the Administrator are not

responsible for the availability,

quality or results of any medical

treatment or transport, or for

the failure of an Insured Person

to obtain medical treatment.

assistanCe serviCes

Assistance Services are services

only, not insurance benets. Any

costs incurred for, or in connectionwith such services will be charged

to the Capital One MasterCard

Account (subject to credit

availability). If not chargeable,

payment for such costs will be

arranged (where reasonably

possible) through family or friends.

These services are available on a

24/7 basis. To take advantage ofany of the services described below,

simply call 1-866-224-0178 from

Canada and the United States or

416-642-2303 locally or collect

from elsewhere in the world.

Assistance services may not be

available in countries of political

unrest and such other countries

as may from time to time bedetermined to be unsafe, or

which may be inaccessible.

MasterAssist Travel

Assistance Services

Medical Referral and Assistance

In the event of a medical

emergency, You will be directed

to the nearest appropriate medicalfacility wherever possible. It is

recommended that You contact the

Administrator for this assistance

prior to seeking treatment for

any Medical Emergency. Please

note that any costs incurred for


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34 world Benefits

or in connection with such serviceswill be charged to the Account(subject to credit availability).

Emergency Cash Transfer

In the event of theft, loss or anemergency while travelling awayfrom home, You can call to obtainan emergency cash transfer,to a maximum of $5,000.

Lost Document and

Ticket Replacement

In the event of theft or lossof necessary travel documentsor tickets when travelling,You can call for assistancewith arrangements fortheir replacement.

Lost Luggage AssistanceIn the event of theft or loss,You can call for assistance to helpYou locate or replace lost or stolenluggage and personal effects.The cost of obtaining replacementluggage and personal effectswill be charged to the Account.

Pre-Trip Information

You can call and obtaininformation regarding passportand visa regulations, andvaccination and inoculationrequirements for the countryYou are visiting.

Legal Referrals and

Payment Assistance

If, while travelling, You requirelegal assistance, You can callfor a referral to a local legaladvisor and/or assistance witharrangements for the postingof bail and the payment of legalfees to a maximum of $5,000.

Concierge Services

You can call for assistancewith arrangements for travel,entertainment, business andshopping. Any costs incurredfor or in connection with suchservices will be charged tothe Account (subject to creditavailability). Concierge Servicesinclude the following:

Medical provider appointmentsand admission arrangements

Emergency medicaltransportation arrangements

Prescription replacementarrangements

Emergency medical visitationarrangements

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