Business Travel Accident Insurance and Baggage Insurance Plan for the American Express Corporate Defined Expense Program Card and Relocation Card

Transcription

1 FDR Business Travel Accident Insurance and Baggage Insurance Plan for the American Express Corporate Defined Expense Program Card and Relocation Card Business Travel Accident Insurance Description of Coverage $350,000 Coverage for Business Travel $100,000 Coverage for Personal Travel Provided to Corporate Defined Expense Program Cardmembers of American Express Travel Related Services, Inc. INSURED PERSONS: All eligible U.S.-based American Express Corporate Cardmembers whose Corporate Cards are issued through or by an agent of American Express Travel Related Services Company, Inc. ( American Express ), who are officers, partners, proprietors, or employees of Sponsoring Organizations, and whose Corporate Card accounts are in good standing. The spouse/domestic Partner and unmarried Dependent Children of Insured Persons are also insured under this plan. In addition, officers, partners, proprietors, employees, consultants, or employment candidates authorized by a Sponsoring Organization (an Authorized Traveler ) are considered Insured Persons provided a portion of his/her Covered Transportation Costs are charged to that Sponsoring Organization s Corporate Card account. IMPORTANT DEFINITIONS: Accident or Accidental means a sudden, unforeseen, and unexpected event happening by chance. Accidental Bodily Injury(ies) means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness, or other cause and occurs while this policy is in force. Benefit Amount means the Loss amount applicable at the time a portion of the Common Carrier passenger fare(s), less redeemable certificates, vouchers, coupons, or frequent flyer miles, is charged to an American Express Corporate Card account. Corporate Card, Corporate Cardmember, Corporate Card account, or Card shall refer to the eligible American Express Corporate Card (including large market Card accounts beginning with 37879), American Express Executive Corporate Card, Corporate Meeting Card, Corporate Defined Expense Card, Business Travel Account, Central Travel Account or other Central Bill Account, Airline Billing Account, and Treasurer s Account (except those Corporate Card account numbers beginning with 37127, 37820, 37826, 37834, 37836). Common Carrier means any land, water, or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire (excludes rental cars, taxis, and hired cars). Commutation means travel between the Insured Person s residence and regular place of employment. Domestic Partner means a person designated in writing by an Insured Person who: 1) is at least eighteen (18) years of age and competent to enter into a contract; 2) is not related to the Insured Person by blood closer than would bar marriage; 3) has exclusively lived with the Primary Insured Person for at least one (1) year; 4) is not legally married or separated; 5) registered as a Domestic Partner or has an affidavit of domestic partnership; and 6) has been jointly responsible with the Insured Person for at least two (2) of the following arrangements: a) a joint mortgage or lease; b) a joint bank account; c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; d) a joint credit card account with a financial institution; or e) other evidence of joint responsibility for financial obligations such as: 1) designation as beneficiary for life insurance or retirement benefits; 2) joint wills; or 3) durable power of attorney or health care proxy. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. Loss of Foot means the complete severance through or above the ankle joint. We will consider it a Loss of Foot even if the foot is later reattached. Loss of Hand means complete severance through or above the knuckle joints of at least 4 fingers on the same hand or at least 3 fingers and the thumb on the same hand. We will consider it a Loss of Hand if the fingers and/or thumb are later reattached. Loss of Hearing means the permanent and irrecoverable Loss of Hearing in both ears, as determined by a Physician. Loss of Life means death, including clinical death determined by the local governing medical authorities.

2 Loss of Sight of an Eye means the permanent loss of vision in one eye. Remaining vision must be no better than 20/200 using a corrective aid or device as determined by a Physician. Loss of Speech means the permanent and irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician. Loss of Thumb and Index Finger means complete severance through or above the knuckle joints of the thumb and index finger of the same hand. We will consider it a Loss of Thumb and Index Finger even if one or both are later reattached. Sponsoring Organization as used herein means the corporation, partnership, association, proprietorship, or any parent, subsidiary, or affiliates thereof, which employs the Corporate Cardmember and participates in the Corporate Card program offered by American Express. Unmarried Dependent Child(ren) means children who are primarily dependent upon the insured for maintenance and support and who are under the age of 19 and reside with the insured, beyond the age of 19 who are permanently mentally or physically challenged and incapable of self support, or up to the age of 25 if classified as a full-time student at an institute of higher learning. THE COVERAGE FOR BUSINESS TRIPS: Coverage is provided subject to the terms and conditions of the policy and arising from and occurring on a Covered Trip while the Insured Person is: 1) riding as a passenger in or entering or exiting any Common Carrier; or 2) at the airport, terminal, or station, at the beginning or end of the Covered Trip. A portion of the cost of the Common Carrier passenger fare, less redeemable certificates, vouchers, or coupons, must be charged to the Insured Person s Account issued by American Express Travel Related Services Company, Inc. If the purchase of the Common Carrier passenger fare is not made prior to the Insured Person s arrival at the airport, terminal, or station, coverage begins at the time a portion of the cost of the Common Carrier passenger fare is charged to the Insured Person s Account issued by American Express Travel Related Services Company, Inc. Coverage does not include Commutation. RELATED TRANSPORTATION: Coverage also includes circumstances arising from and occurring on a Covered Trip while the Insured Person is riding as a passenger in, entering or exiting any Common Carrier, while traveling to or from the airport, terminal, or station: 1) immediately preceding the departure of the scheduled Common Carrier on which the Insured Person has purchased passage; and 2) immediately following the arrival of the scheduled Common Carrier on which the Insured Person was a passenger. The Company shall pay the principal sum determined from the Table of Losses if an Insured Person sustains a Loss stated herein resulting from an Accident, provided that: 1. such Loss occurs within 365 days after the date of Accident causing such Loss, and 2. if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only the single largest amount shall be payable. Table of Losses % of Principal Sum Loss of life 100% Dismemberment Loss of both hands or both feet or sight of both eyes 100% Loss of one hand and one foot 100% Loss of the entire sight of one eye and one hand or one foot 100% Loss of speech and hearing 100% Loss of one hand or one foot 50% Loss of the entire sight of one eye 50% Loss of speech or hearing 50% Loss of thumb and index finger of the same hand 25% Covered Trip means travel on a Common Carrier when a portion of the cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been charged to an Insured Person s Account issued by the American Express Travel Related Services Company, Inc. Covered Trip also includes trips taken on non-revenue generated tickets issued by American Express Travel Related Services Company, Inc. Covered Trip also means a business trip, in accordance with the descriptions below, not to exceed 30 days, for which Common Carrier costs are charged to the Cardmember s Corporate Card account which: A) is taken for the purpose of furthering the business of the Cardmember s employer, while on assignment or at the direction of such employer; B) begins at the Cardmember s residence or place of regular employment, whichever last occurs; and C) ends at the Cardmember s residence or place of regular employment, whichever first occurs; and D) excludes travel to and from work, bona fide leaves of absence, personal side trips, incidental work done for the sponsoring organization during these times, and vacations. For Covered Trips more than 30 days in length, coverage: A) remains in effect until 12:01 a.m. on the 31st day of the covered trip; and B) will be reactivated only for the Cardmember s return trip on: 1) a Common Carrier; and 2) Common Carrier, hotel, or airport shuttle, directly to, from, or at any Common Carrier terminal; 3) from the Common Carrier to the Cardmember s residence or regular place of employment whichever occurs first. Coverage has been extended to include courtesy transportation provided without a specific charge if such Covered Trip was charged to the Cardmember s Corporate Card Account. THE COVERAGE FOR PERSONAL TRIPS: Personal Travel means a trip taken by the Cardmember between the point of departure and the final destination as shown on the Insured Person s ticket issued by the Common Carrier. Verification that the trip is not taken while on a Business Trip is required. Personal Trips are covered solely while boarding, riding in, or exiting a Common Carrier. Coverage is provided when any portion of the passenger fare(s), less redeemable certificates, vouchers, coupons, or frequent flyer miles, has been charged to the American Express Corporate Card account. The spouse/domestic Partner and Dependent Child(ren) of an American Express Corporate Cardmember are covered when their fare has been charged to the Corporate Cardmember s account. 2

3 EXTENSIONS OF INSURANCE: Disappearance: If the Insured Person has not been found within one (1) year of the disappearance, stranding, sinking, wrecking, or breakdown of any conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. Exposure: Accident includes unavoidable exposure to elements arising from a covered event. TERRITORY: This insurance applies worldwide. THE COST: This travel insurance plan is provided at no additional cost to eligible American Express Corporate Cardmembers. American Express pays the Corporate Cardmember s premium. BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by the Insured Person. This choice must be in writing and filed with the Policyholder. If the Insured Person has not chosen a beneficiary, or if there is no beneficiary alive when the Insured Person dies, we will pay the Benefit Amount to the first surviving class in the following order: a) the Insured Person s spouse or Domestic Partner ; b) in equal shares to the Insured Person s surviving children; c) in equal shares to the Insured Person s surviving parents; d) in equal shares to the Insured Person s surviving brothers and sisters; e) to the Insured Person s estate All other Benefit Amounts are paid to the Insured Person, unless otherwise directed by the Insured Person or the Insured Person s designee. The Insured Person, and no one else, has the right to change the beneficiary. The Insured Person does not need the consent of anyone to do so. Changes must be in writing and filed with the Policyholder. We do not assume any responsibility for the validity of these changes. EXCLUSIONS: 1) This insurance does not apply to an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased, or operated by the Sponsoring Organization or any aircraft owned, leased, or operated by Sponsoring Organization on behalf of the Sponsoring Organization. This exclusion does not apply to aircraft chartered with pilot or crew on a one-time charter basis; 2) while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency; 3) Loss caused by or resulting from an Insured Person s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions. This exclusion does not apply to Loss resulting from an Insured Person s bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria; 4) Loss caused by or resulting from, directly or indirectly, an Insured Person s commission or attempted commission of a felony or being engaged in an illegal occupation; 5) Loss caused by or resulting from an Insured Person being intoxicated at the time of an Accident. Intoxication is Person being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs; 6) Loss caused by or resulting from, an Insured Person being under the influence of any narcotic at the time of the Accident. This exclusion does not apply if the narcotic is taken and used as prescribed by a Physician; 7) This insurance does not apply to suicide, attempted suicide, or Loss that is intentionally self-inflicted; 8) Loss caused by or resulting from a declared or undeclared War. Declared or undeclared War does not include acts of terrorism. War means: 1) hostilities following a declaration of War by a government authority; 2) if there is no declaration of War, then armed, open, and continuous hostilities between two countries; or 3) armed, open, and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. CLAIMS: Claim Forms: When we receive notice of a claim, we will send the Insured Person or the Insured Person s designee, within fifteen (15) days, forms for giving us Proof of Loss. If the Insured Person or the Insured Person s designee does not receive the forms, the Insured Person or the Insured Person s designee should send us a written description of the Loss. This written description should include information covering the occurrence, character, and extent of the Loss for which claim is made. Claim Notice: Written Notice of Claim must be given to us or any of our appointed agents or brokers within twenty (20) days after the occurrence or commencement of any Loss covered by this policy or as soon as reasonably possible. Notice must include enough information to identify the Insured Person and Policyholder. Failure to give Notice of Claim within twenty (20) days will not invalidate or reduce any claim if notice is given as soon as reasonably possible. Claim Payment: For all benefits payable under this policy we will pay the Insured Person or beneficiary the applicable Benefit Amount within sixty (60) days after we receive a complete Proof of Loss, if the Insured Person and Policyholder have complied with all the terms of this policy. At the end of this period, we will immediately pay any remaining balance of the Benefit Amount. All payments by us are subject to receipt of written Proof of Loss. Proof of Loss: For all claims, written Proof of Loss must be given to us within ninety (90) days after the date of Loss, or as soon as reasonably possible. Failure to give written Proof of Loss within these time frames will not invalidate or reduce any claim if notice is given as soon as reasonably possible, and in no event, except in cases where the claimant lacks legal capacity, later than one (1) year after the deadline to submit written Proof of Loss. EFFECTIVE DATE: This insurance is effective on the date in which the American Express Corporate Cardmember becomes an eligible Insured and will cease on the date the Master Policy is terminated or on the date the American Express Corporate Card account is canceled or ceases to be in good standing, whichever occurs first. The benefits described herein are subject to all of the terms and conditions of the Blanket Master Group Policy This Description of Coverage replaces any prior Description of Coverage that may have been furnished in connection with Business Travel Accident Insurance. For questions about coverage, change in beneficiary, or other inquiries, please contact American Express at

4 For claims-related matters ONLY, contact: Crawford & Company Preferred Partner for Chubb Affinity Claims P.O. Box 4090 Atlanta, GA Call Toll Free Fax Toll Free As a handy reference guide, please read this and keep it in a safe place with other insurance documents. This description of coverage is not a contract of insurance but is simply an informative statement of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of Insurance are contained in the master policy on file with the Policyholder: American Express Travel Related Services Company, Inc. If this plan does not conform to state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern. Plan Underwritten By Federal Insurance Company A member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, P.O. Box 1615 Warren, NJ American Express Card Baggage Insurance Plan Description of Coverage Underwritten by, Administrative Office, MC: , N. 31st Ave., Phoenix, AZ The Baggage Insurance Plan provides benefits for a Covered Person s damaged, stolen or lost Baggage, whether checked or carry-on, when Common Carrier Conveyance tickets are purchased and charged to Your Account. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express Card Account, Business Travel Account, Airline Billing Account or a Treasurer s Card and the extended payment account, if any, offered in conjunction with any of these, all issued by American Express Travel Related Services Company, Inc. or its participating subsidiaries ( American Express ). Alighting means when a Covered Person is in the direct and immediate act of moving down, out, or off of a Common Carrier Conveyance while on a Covered Trip. Once the Covered Person s body has completely exited the Common Carrier Conveyance, he or she is no longer Alighting. Baggage means each Covered Person s personal property, including travel bags and suitcases and their contents, which the Covered Person takes on a Covered Trip, whether to be carried on or checked with the Common Carrier Conveyance. Boarding means when a Covered Person is in the direct and immediate act of getting on and entering into a Common Carrier Conveyance while on a Covered Trip. Bona Fide Business Trip means while on assignment by or at the direction of the Sponsoring Organization for the purpose of furthering the business of the Sponsoring Organization. It shall not include everyday travel to and from work, bona fide leaves of absence, personal side trips, vacations or incidental work done for the Sponsoring Organization during these times. Cardmember means a person or Sponsoring Organization who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America or the District of Columbia. Common Carrier Conveyance means an air, land or water vehicle (other than a personal or rental vehicle) licensed to carry passengers for hire and available to the public. Company means, and its duly authorized agents. Covered Person means a. the Basic Cardmember, each Additional Cardmember, and each of these Cardmembers spouses or Domestic Partners and dependent children under 23 years of age; or b. officers, partners, proprietors, employees, consultants or employment candidates authorized by a Sponsoring Organization to have Common Carrier Conveyance fares charged to that Sponsoring Organization s Account for a Bona Fide Business Trip. All Covered Persons must have a Permanent Residence within the 50 United States of America or the District of Columbia. All other persons are not Covered Persons under the Policy. Covered Trip means a trip taken by the Covered Person between the point of departure and the final destination as shown on the Covered Person s ticket or verification issued by the Common Carrier Conveyance, provided the Covered Person s Entire Fare for such trip on the Common Carrier Conveyance involved in the Loss has been charged to a Basic or Additional Cardmember s or Sponsoring Organization s eligible American Express Card Account prior to any Loss. 4

5 Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date on which the claim is payable. Domestic Partner means persons who either, 1. ca n provide documentation of registration of the Domestic Partner relationship pursuant to a state, county or municipal provision; or 2. can meet the following qualifications: a. have resided with each other continuously for at least 12 months in a sole-partner relationship that is intended to be permanent; b. are not married to any other person; c. are at least 18 years old; d. are not related to each other by blood closer than would bar marriage per state law; and e. are financially interdependent as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance. Entire Fare means the cost of the full fare for a Covered Trip on a Common Carrier Conveyance that is charged to the Basic or Additional Cardmember s or Sponsoring Organization s American Express Card and payable in full in U.S. dollars or combined with American Express Membership Rewards Points. Entire Fare does not include fares on a Common Carrier Conveyance defrayed in full or in part with Frequent Flyer Miles. Frequent Flyer Miles means an award of air transportation, regardless of whether the award is referenced as frequent flyer miles, voucher, trip pass, coupon, or other awards, provided to a Covered Person or for which a Covered Person may benefit that may be used to pay, in full or in part, or otherwise defray or reduce the costs of air transportation. Loss means damaged, stolen or lost Baggage. Master Policyholder means American Express Travel Related Services Company, Inc. Permanent Residence means the one primary dwelling place where the Covered Person resides and to which they intend to return. Plan means the Policy and the benefits described therein. Platinum Cardmember means a Cardmember who has a Platinum Charge Card (required to be paid in full monthly), a Corporate Platinum Card, or a Fidelity American Express Platinum Card. Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits. Policy means the Group Insurance Master Policy (AX0400 issued to American Express Travel Related Services Company, Inc.). Replacement Cost means the lesser of the cost to repair or replace Baggage with material or property of like kind and quality as a result of a Loss. Sponsoring Organization means the corporation, partnership, association, proprietorship or any parent, subsidiary or affiliate, which employs the Cardmember and participates in the Corporate Card program offered by American Express. We, Us, Our means the Company. You, Your means the Cardmember. DESCRIPTION OF BENEFITS We will pay a benefit to a Covered Person for a Loss up to the applicable limits and under the circumstances described below. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Carry-On Baggage Benefit: We will pay a benefit for the Replacement Cost, up to $1,250, for each Covered Person on a Covered Trip for Loss of carry-on Baggage. A Covered Person is eligible for this benefit if the Loss occurs while the Covered Person is upon a Common Carrier s terminal premises designated for passenger use, but only when the Covered Person is upon such premises immediately before Boarding or immediately after Alighting from a Common Carrier Conveyance or while riding solely as a passenger in or Boarding or Alighting from a Common Carrier Conveyance while on a Covered Trip. Checked Baggage Benefit: We will pay a benefit for the Replacement Cost, up to $500, for each Covered Person on a Covered Trip for Loss of checked Baggage. (Bicycles are covered when checked as Baggage with a Common Carrier Conveyance.) High-Risk Items Benefit: We will pay a maximum benefit of $250, for each Covered Person on a Covered Trip for Loss of high risk items. High-risk items include, but are not limited to: 1. jewelry; 2. sporting equipment; 3. photographic or electronic equipment; and 4. computers and audio/visual equipment. Common Carrier Conveyance Benefit: We will pay a benefit for the Replacement Cost, up to $1,250, for each Covered Person on a Covered Trip, when a Common Carrier Conveyance ticket is purchased in advance of a Covered Trip, for Loss to Baggage while the Covered Person is riding solely as a passenger on a Common Carrier Conveyance when going directly to a Common Carrier s terminal for the purpose of Boarding a Common Carrier Conveyance or when leaving from a Common Carrier s terminal directly after Alighting from a Common Carrier Conveyance. Coverage for all benefits under this Description of Benefits section is secondary to any other coverage, which is primary and provided by a Common Carrier Conveyance. Where other coverage is available to the Covered Person, Our benefit will be in excess of the amount payable under the other coverage. The combined payment from the Plan s coverage and other coverage shall not exceed Our Replacement Cost. Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan. EXCLUSIONS Benefits are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by the following: 1. war or any act of war, whether declared or undeclared; 2. any act by customs or other governmental authority whether involving Your consent or by confiscation or requisition (except the Transportation Security Administration); 3. defective workmanship, normal wear and tear and gradual deterioration; 4. any illegal act by or on behalf of the Covered Person. 5

6 For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for Loss caused by any of the excluded events described below. Loss will be considered to have been caused by an excluded event if the occurrences of that event directly and solely results in Loss, or initiates a sequence of events that result in Loss, regardless of the nature of any intermediate or final event in that sequence. Items Not Covered This Plan does not insure: 1. cash or its equivalent, notes, accounts, bills, currency, deeds, food stamps or evidences of debt or intangible property; 2. credit cards and other travel documents (including, but not limited to, passports and visas); 3. securities; 4. tickets and documents; 5. plants and animals; 6. automobiles and equipment; 7. motorcycles and motors; 8. aircraft, boats or other conveyances; or 9. property shipped as freight or shipped prior to the Covered Trip departure date. CLAIMS PROVISIONS To claim a benefit which You believe is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. Notice of Claim Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact Us by calling toll-free stateside or, if from overseas, by calling collect You may also write to Us at Baggage Insurance Plan, P.O. Box , El Paso, TX Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and with documents, which You must complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of the Company. To insure prompt processing of Your claim, report any damaged, stolen or lost Baggage immediately following the Loss. Retain Your receipts and damaged property until the claim process is complete. Claims for Loss of checked Baggage can be processed and paid only after the Common Carrier Conveyance responsible for the Loss has settled the claim against it. If the Common Carrier Conveyance completely denies Your claim, there will be no reimbursement for the Loss under this Plan unless the sole reason for denial is the specific exclusion of a particular item under the Common Carrier Conveyance s contract of carriage. Carry-on Baggage claims will be subject to payment on the basis of the Replacement Cost. For checked Baggage, You must file a written report of the Loss with the Common Carrier Conveyance before leaving the terminal. For carry-on Baggage, You must file a written report of the Loss with a local law enforcement agency, if You suspect theft of Your Baggage. Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within thirty (30) days (for residents of North Dakota sixty (60) days) (for residents of Oregon ninety (90) days) after We have provided You with instructions and claim forms in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. a Baggage Insurance Plan Claim Form; 2. the American Express charge receipt for the Covered Trip; 3. fo r checked Baggage, the written report of the Loss filed with the Common Carrier Conveyance; and 4. fo r carry-on Baggage, the written report of the Loss filed with the appropriate authority or law enforcement agency, if You suspect theft of Your Baggage. No payment will be made on claims not substantiated in the manner required by Us. If all required documentation is not received within thirty (30) days (for residents of North Dakota sixty (60) days) (for residents of Oregon ninety (90) days) of the date of the Loss (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within thirty (30) days (for residents of North Dakota sixty (60) days) (for residents of Oregon ninety (90) days) from the date of Our request in order to remain eligible for coverage. Payment of Claim A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. Claims will be paid on the basis of the Replacement Cost of the covered property. If You are eligible to recover your Loss from other insurance sources, We will make a payment to You only to the extent Your Loss exceeds the amount paid from other insurance. The Company may, at its option, elect to repair or replace the covered property. If the Company elects to replace the property it will be of like kind and quality. 6

7 TERMINATION OR CANCELLATION Coverage will cease on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America or the District of Columbia; 2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred; 3. the date the Policy or any benefit under the Policy is cancelled; 4. the date You terminate Your Account and are no longer a Cardmember or Your Account is cancelled by American Express; 5. the date Your Account ceases to remain Current and in Good Standing; or 6. the date the Plan is not available in the location where You maintain a Permanent Residence. Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation. GENERAL PROVISIONS Change of Permanent Residence If You change Your Permanent Residence to a different state, Your Policy provisions may be adjusted to conform to the requirements of that state. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Description of Coverage, the Policy, and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time. Excess Coverage If any Loss under this Plan is insured under any other valid and collectible policy, then this Plan shall cover such Loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such Loss is in excess of the amount of such other insurance which is payable or paid. Fraud If any request for benefits made under the Plan is determined to be fraudulent or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. We do not provide coverage to a Cardmember who, whether before or after a Loss, has: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or 2. concealed or misrepresented any fact, if the fact misrepresented contributes to the loss. Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years (for residents of Arkansas five (5) years) (for residents of Missouri ten (10) years) (for residents of South Dakota six (6) years) from the time written Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. Subrogation In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party. For residents of Louisiana, the Right of Recovery, Subrogation and Excess Coverage sections are revised to reflect: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company s right to recover is subordinate to the Cardmember s right to be fully compensated. IMPORTANT ADDITIONAL INFORMATION FOR YOU This Description of Coverage replaces any other Description of Coverage under the Policy that You may have previously received for the Baggage Insurance Plan. This Description of Coverage is an important document. Please read it and keep it in a safe place. IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers: Steve C. Lindstrom President C. Ray Cliett Secretary BIP-CORP 07/07 7

8 Forms in addition to those listed above are also applicable to residents in the following states: Arizona, Indiana and Texas: The American Express Card Baggage Insurance Plan is governed by form numbers BIP-IND-CORP 07/07 and BIP-IND-END1 10/08. References to Description of Coverage and Master Policy throughout the above form have been changed to Policy. The definitions of Master Policyholder and Plan are hereby removed. The following definitions are added to the Definitions section. American Express Card means any credit or charge card bearing an American Express trademark or logo issued by American Express Travel Related Services Company, Inc. or its subsidiaries or affiliates or any of their licensees which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy. Policy as used throughout means this contract issued to the Cardmember providing the benefits described herein. The following provision is added to the General Provisions section. Assignment No assignment will be acknowledged until it has been received by the Company. The Company does not make any acknowledgement of the effectiveness of an assignment or accept any responsibility for the validity or legality of any assignment. In all other respects, the provisions and conditions of the Policy remain the same. Alaska: Form Number BIP-RDR1-AK 07/07. Paragraph two in the Notice of Claim provision is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and with documents, within 10 days of Your Notice of Claim, which You must complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. The opening paragraph in the Exclusion section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. Benefits are not payable if the loss for which coverage is sought was directly or wholly caused by: The following paragraph is added the Termination or Cancellation section: For cancellation of coverage due to intentional misrepresentation or fraud the Company will provide You a ten (10) days notice of such cancellation. The Excess Coverage section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Excess Coverage If any Loss under this Plan is insured under a Common Carrier Conveyance s policy, then this Plan shall cover such Loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such Loss is in excess of the amount of such other insurance which is payable or paid. The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time a claim has been denied. FOR ARKANSAS RESIDENTS KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem. PO Box MC: Phoenix, AZ You may call the toll-free number at (800) You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces Arkansas s insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting: Arkansas Insurance Department Consumer Services Division 1200 West Third Street Little Rock, AR (501) or (800) FOR CALIFORNIA RESIDENTS Questions regarding your policy or coverage should be directed to: PO Box MC: Phoenix, AZ You may call the toll-free number at (800) If you have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance: California Department of Insurance Consumer Communications Bureau 300 S. Spring Street, South Tower Los Angeles, CA Consumer Hotline: (800) Out of state callers: (213) TDD: (800)

9 Colorado: Form Number AEREG1013CO. All definitions, terms, and provisions within the Description of Coverage/Policy/Certificate of Insurance wherever appearing and denoting a marital relationship or family relationship arising out of marriage will include parties to a civil union established in the State of Colorado according to Colorado law and their families. The terms that mean or refer to family relationships arising from a marriage, such as family, immediate family, dependent, children, next of kin, relative, beneficiary, survivor, and any other such terms, include family relationships created by a civil union established according to Colorado law. For Residents of Indiana: Questions regarding your policy should be directed to: If you (a) need the assistance of the governmental agency that regulates insurance or (b) have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street, Suite 300 Indianapolis, IN Consumer Hotline: In the Indianapolis Area Complaints can be filed electronically at FOR IDAHO RESIDENTS KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem. PO Box MC: Phoenix, AZ You may call the toll-free number at (800) You can also contact the OFFICE OF THE DIRECTOR OF INSURANCE, a state agency which enforces Idaho s insurance laws, and file a complaint. You can contact the OFFICE OF THE DIRECTOR OF INSURANCE by contacting: Idaho Department of Insurance Consumer Affairs 700 W State Street, 3rd Floor PO Box Boise, ID or or FOR ILLINOIS RESIDENTS: This notice is to advise you that should any complaints arise regarding this insurance, you may contact the following: PO Box MC: Phoenix, AZ Or Illinois Department of Insurance 320 West Washington Street Springfield, IL Kansas: Form Number BIP-RDR1-KS 07/07. The Legal Actions section is hereby removed in its entirety and replaced with the following: Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after five (5) years from the time Proof of Loss is required to be given. Kentucky: Form Number BIP-RDR1-KY 07/07. In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation. And replaced with the following: The Company has the right to cancel the Policy at any time by sending a written notice at least seventy-five (75) days in advance to You at Your last known address. The notice will include the reason for cancellation. Louisiana: Form Number BIP-RDR1-LA 07/07. The definition of Domestic Partner is hereby removed from the Definitions section of the Description of Coverage. Additionally all references to Domestic Partner are hereby removed from the Description of Coverage. In the Payment of Claim section the following is removed: A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. And replaced with the following: A claim for benefits provided by this Plan will be paid within 30 days, upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Maryland: Form Number BIP-RDR1-MD 07/07. In the Proof of Loss section the following is removed: Proof of Loss requires You to send us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. And replaced with the following: Proof of Loss requires You to send us all the information We request in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. 9

10 y e n e lly e ur n e 0 ss le t, at d. st a e, of g Proof determination of Loss requires as to whether You to send the claim us all may the be information paid. We request in Oklahoma: order that Form Your claim Number may BIP-RDR1-OK be evaluated 07/07. and that We may make a determination as to whether the claim may be paid. The following is added to your Description of Coverage: Oklahoma: WARNING: Entire Contract; Form Any Representation; person Number who BIP-RDR1-OK knowingly, Changes 07/07. and with intent to injure, Changes The defraud This Description following or This deceive Description of is added any Coverage, to insurer, of your Description makes the Coverage, Policy, any of claim and the Coverage: for any Policy, the applications, proceeds and any of applications, WARNING: an endorsements insurance endorsements, Any policy riders person containing make or up who knowingly, any riders the false, entire make and incomplete contract. up the entire Any with intent or misleading statement contract. to injure, Any defraud information You make statement is deceive is a guilty representation You any of make a insurer, felony. is a and representation not a warranty. and This not Description a warranty. makes any claim for the proceeds of This of Coverage Description may of be Coverage changed may at be any changed time by at any written time agreement by written an insurance policy containing any false, incomplete or misleading agreement For between Residents the between Master of Texas: the Policyholder Master Policyholder and the Company. and the Company. Only the information is guilty of a felony. Only IMPORTANT President, the President, Vice-President NOTICE Vice-President, or Secretary or Secretary of AMEX Assurance of AMEX Assurance Company For Company TO may OBTAIN Residents change may INFORMATION or of change waive Texas: the or provisions waive OR MAKE the provisions of A the COMPLAINT: Description of the Description of Coverage. of IMPORTANT Coverage. You No agent may call or No AMEX other NOTICE agent person Assurance s or other may person change toll-free may the telephone change Description the number Description of Coverage for of TO Coverage information OBTAIN waive any INFORMATION or waive of to make its any terms. of a its complaint OR terms. This MAKE Description This at: A Description COMPLAINT: of Coverage of Coverage may may be be changed You may call at any at also AMEX any time time write to Assurance s by by providing AMEX Assurance toll-free notice Company telephone to to You. A copy at: number of the forpolicy information will be maintained MC: or to make and N. a kept 31st complaint by the Master Avenue, at: Phoenix, Policyholder and may be AZ examined at any time. Any conflict with the terms of the Description You of Coverage may also contact will write be the to decided Texas AMEX Department by Assurance looking at Company of the Insurance intent at: of the to obtain Description MC: information of Coverage on provided companies, N. to You. 31st coverages, The Avenue, Fraud Phoenix, rights provision or AZ complaints is hereby deleted at: in You its entirety may contact and replaced the Texas with Department the following: of Insurance to obtain information Fraud You may write on the companies, Texas Department coverages, of rights Insurance or complaints at: at: If P.O. any Box request for benefits made under the Plan is determined to be You fraudulent Austin, may TX write or if the any Texas fraudulent Department means of or Insurance devices are at: used by You or P.O. by Fax# anyone Box (512) acting on Your behalf to obtain benefits, all benefits will be Austin, forfeited. Web: TX Fax# (512) ConsumerProtection@tdi.state.tx.us We do not provide coverage to a Cardmember who, whether before Web: or after a Loss, has: ConsumerProtection@tdi.state.tx.us 3. intentionally concealed or misrepresented any fact upon which PREMIUM we rely, OR if the CLAIM concealment DISPUTES: or misrepresentation is material and Should is made you have with the a dispute intent to concerning deceive; or your claim you should contact 4. intentionally the company concealed first. If or the misrepresented dispute not any resolved, fact, if you the may fact contact misrepresented the Texas Department contributes of to Insurance. the loss. ATTACH THIS NOTICE TO YOUR POLICY: This notice is for information only and does not become a part or condition of the attached document. AVISO IMPORTANTE PARA OBTENER INFORMACION O PARA SOMETER UNA QUEJA: Usted puede llamar al numero de telefono gratis de AMEX Assurance Company s para informacion o para someter una queja al: Usted tambien puede escribir a : MC: N. 31st Avenue Phoenix, AZ Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companis, coberturas, derechos o quejas al: Puede escribir al Departamento de Seguros de Texas: P.O. Box Austin, TX Fax# Entire (512) Contract; Representation; Changes Web: Changes This Description This Description of Coverage, of the Coverage, Policy, and the any Policy, applications, and any applications, endorsements ConsumerProtection@tdi.state.tx.us endorsements, riders make or up riders the entire make contract. up the entire Any statement contract. Any You make statement is a representation You make is a and representation not a warranty. and This not Description a warranty. DISPUTAS This of Coverage Description SOBRE may of be Coverage PRIMAS changed O may RECLAMOS: at be any changed time by at any written time agreement by written Si agreement between tiene una the disputa between Master concerniente the Policyholder Master a Policyholder un and reclamo, the Company. and debe the comunicarse Company. Only the con Only President, la the compania President, Vice-President primero. Vice-President, or Secretary Si no or se Secretary of resuelve AMEX Assurance of la AMEX disputa, Assurance Company puede entonces Company may change comunicarse may or change waive the con or provisions waive el departamento the provisions of the Description (TDI). of the Description of Coverage. of Coverage. No agent or No other agent person or other may person change may the change Description the Description of Coverage of UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito Coverage or waive or any waive of its any terms. of its terms. This Description This Description of Coverage of Coverage may may be de informacion y no se convierte en parte o condicion del be changed at any at any time time by by providing notice to to You. A copy of the Policy documento adjunto. will be maintained and kept by the Master Policyholder and may be examined at any time. Any conflict with the terms of the Description TX NOTICE of Coverage will be decided by looking at the intent of the Description Vermont: Form Number BIP-RDR1-VT 07/07. All definitions, of Coverage provided to You. The Fraud provision is hereby deleted in terms and provisions within the Description of Coverage wherever its entirety and replaced with the following: appearing and denoting a marital relationship or family relationship UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito entonces comunicarse con el departamento (TDI). de informacion y no se convierte en parte o condicion del UNA documento ESTE AVISO adjunto. A SU POLIZA: Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del The TX NOTICE Right of Recovery provision is hereby deleted in its entirety and documento adjunto. replaced Vermont: with Form the following: Number BIP-RDR1-VT 07/07. All definitions, TX terms NOTICE and provisions within the Description of Coverage wherever Right of Recovery Vermont: appearing and Form denoting Number a marital BIP-RDR1-VT relationship 07/07. or family All relationship If We make a payment to You under this Plan and You definitions, recover an terms arising and out provisions of marriage within will include the Description parties to a of civil Coverage union established amount from another, equal to or less than Our payment, wherever You shall appearing the state and of Vermont denoting according a marital to relationship Vermont laws or family and their relationship families. hold trust for Us the proceeds of the recovery and reimburse Us arising The following out of marriage sentence will is added include to parties the end to of a civil the union Payment established of Claim to the extent of Our payment. If Our payments exceed the maximum in provision: the state The of Vermont Company according will make to Vermont payment laws to You and their with families. ten (10) amount payable under the benefits of this Plan, We have the right The working following days, sentence unless a delay is added in payment to the end is mandated of the Payment under of an Claim order to recover from You any amount exceeding the maximum amount provision: by a court The or required by law. payable. The Company s right will make to recover payment is is subordinate to You with to to Your ten the right Your (10) working right Washington: be fully be days, fully unless Form compensated. a Number delay in payment BIP-RDR1-WA is mandated 07/07. under The definition an order by of a Replacement court or required Cost by law. is hereby removed and replaced with Wisconsin: Form Number BIP-RDR1-WI 07/07. The following is Washington: the following: hereby removed Form from Number the Notice BIP-RDR1-WA of Claim provision: 07/07. The definition of Replacement Replacement Cost Cost means is hereby the lesser removed of the and cost replaced to repair with or To insure prompt processing of Your claim, report any damaged, the replace following: Baggage with new material or property of like kind and stolen or lost Baggage immediately following the Loss. Retain Your Replacement quality as a result Cost of a means Loss. receipts and damaged property the until lesser the claim of the process cost to is complete. repair or replace The Entire Baggage Contract; with Representation; new material or Changes property provision of like kind is hereby and And replaced with the following: quality deleted as in a its result entirety of a and Loss. replaced with the following: To insure prompt processing of Your claim, report any damaged, The Entire Entire Contract; Contract; Representation; Representation; Changes Changes provision is hereby stolen or lost Baggage following the Loss. Retain Your receipts and deleted Changes This Description in its This entirety Description of and Coverage, replaced of the Coverage, with Policy, the following: and the any Policy, applications, and any damaged property until the claim process is complete. applications, endorsements endorsements, riders make or up riders the entire make contract. up the entire Any statement contract. Any You make statement is a representation You make is a and representation not a warranty. and This not Description a warranty. This of Coverage Description may of be Coverage changed may at be any changed time by at any written time agreement by written agreement between the between Master the Policyholder Master Policyholder and the Company. and the Company. Only the 9 Only President, the President, Vice-President Vice-President, or Secretary or Secretary of AMEX Assurance of AMEX Assurance Company Company may change may or change waive the or provisions waive the provisions of the Description of the Description of Coverage. of Coverage. No agent or No other agent person or other may person change may the change Description the Description of Coverage of 9 Coverage or waive or any waive of its any terms. of its terms. This Description This Description of Coverage of Coverage may may be be changed at any at any time time by by providing notice to to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time. Any conflict with the terms of the Description of Coverage will be decided by looking at the intent of the Description of Coverage provided to You. The Fraud provision is hereby deleted in its entirety and replaced with the following: Fraud If any request for benefits made under the Plan is determined to be fraudulent or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. We do not provide coverage to a Cardmember who, whether before or after a Loss, has: 3. intentionally concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or 4. intentionally concealed or misrepresented any fact, if the fact misrepresented contributes to the loss. The Right of Recovery provision is hereby deleted in its entirety and replaced with the following: Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. The Company s right to recover is is subordinate to to Your the right Your to right be to fully be fully compensated. Wisconsin: Form Number BIP-RDR1-WI 07/07. The following is hereby removed from the Notice of Claim provision: 10 To insure prompt processing of Your claim, report any damaged, stolen or lost Baggage immediately following the Loss. Retain Your Th rep Rig If W am ho to t am to pa to rig Wi he To sto rec An To sto da