Business Travel Accident Insurance and Baggage Insurance Plan for the American Express Corporate Card

 
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CORPORATE SERVICES
            EXPENSE MANAGEMENT SOLUTIONS

                                                              Business Travel Accident Insurance
                                                              and Baggage Insurance Plan
                                                              for the American Express®
                                                              Corporate Card

                                                                                                                                      FDR 996922

                               Business Travel Accident Insurance
                                                       Description of Coverage
                                        $350,000 Coverage for Business Travel
                                        $100,000 Coverage for Personal Travel
                     Provided to Corporate Card Members of American Express Travel Related Services, Inc.

INSURED PERSONS: All eligible U.S. based American Express                Corporate Card account numbers beginning with 37127, 37820,
Corporate Card Members whose Corporate Cards are issued                  37826, 37834, 37836).
through or by an agent of American Express Travel Related Services       “Common Carrier” means any land, water or air conveyance
Company, Inc. (“American Express”) who are officers, partners,           operated by those whose occupation or business is the transportation
proprietors or employees of Sponsoring Organizations, and whose          of persons without discrimination and for hire (excludes rental cars,
Corporate Card accounts are in good standing. The spouse/Domestic        taxis and hired cars).
Partner and unmarried Dependent Children of Insured Persons are
also insured under this plan.                                            “Commutation” means travel between the Insured Person’s
In addition, officers, partners, proprietors, employees, consultants     residence and regular place of employment.
or employment candidates authorized by a Sponsoring Organization
(an “Authorized Traveler”) are considered Insured Persons provided       “Domestic Partner” means a person designated in writing by
a portion of his/her Covered Transportation Costs are charged to that    an Insured Person who: 1) is at least eighteen 18 years of age and
Sponsoring Organization’s Corporate Card account.                        competent to enter into a contract; 2) is not related to the Insured
                                                                         Person by blood closer than would bar marriage; 3) has exclusively
IMPORTANT DEFINITIONS:                                                   lived with the Primary Insured Person for at least one (1) year;
                                                                         4) is not legally married or separated; 5) registered as a Domestic
“Accident or Accidental” means a sudden, unforeseen and                  Partner or has an affidavit of domestic partnership; and 6) has been
unexpected event happening by chance.                                    jointly responsible with the Insured Person for at least two (2) of the
                                                                         following financial arrangements: a) a joint mortgage or lease; b) a
“Accidental Bodily Injury(ies)” means bodily injury which is             joint bank account; c) joint title to or ownership of a motor vehicle
Accidental, is the direct source of a Loss, is independent of disease,   or status as a joint lessee on a motor vehicle lease; d) a joint credit
illness or other cause and occurs while this policy is in force.         card account with a financial institution; or e) other evidence of
                                                                         joint responsibility for financial obligations such as: 1) designation
“Benefit Amount” means the Loss amount applicable at the time a          as beneficiary for life insurance or retirement benefits; 2) joint wills;
portion of the Common Carrier passenger fare(s), less redeemable         or 3) durable power of attorney or health care proxy. Neither the
certificates, vouchers, coupons or frequent flier miles, is charged to   Insured Person nor the Domestic Partner can be married to, nor in a
an American Express Corporate Card account.                              civil union with, anyone else.

“Corporate Card”, “Corporate Card Member”, “Corporate Card               “Loss of Foot” means the complete severance through or above the
account”, or “Card”, shall refer to the eligible American Express        ankle joint. We will consider it a Loss of Foot even if the foot is later
Corporate Card (including large market Card accounts beginning           reattached.“Loss of Hand” means complete severance through or
with 37879), American Express Executive Corporate Card, Corporate        above the knuckle joints of at least 4 fingers on the same hand or at
Meeting Card, Corporate Defined Expense Card, Business Travel            least 3 fingers and the thumb on the same hand. We will consider it
Account, Central Travel Account or other Central Bill Account,           a Loss of Hand even if the fingers and/or thumb are later reattached.
Airline Billing Account and Treasurer’s Account (except those
“Loss of Hearing” means the permanent and irrecoverable Loss of
Hearing in both ears, as determined by a Physician.                               Table of Losses		                         % of Principal Sum

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

“Covered Trip” means travel on a Common Carrier when a portion of              THE COST: This travel insurance plan is provided at no additional
the cost of the passenger fare for such transportation, less redeemable        cost to eligible American Express Corporate Card Members. American
certificates, vouchers or coupons, has been charged to an Insured              Express pays the Corporate Card Member’s premium.
BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary           all benefits payable under this policy we will pay the Insured Person or
designated by the Insured Person. This choice must be in writing and            beneficiary the applicable Benefit Amount within sixty (60) days after we
filed with the Policyholder. If the Insured Person has not chosen a             receive a complete Proof of Loss, if the Insured Person and Policyholder
beneficiary, or if there is no beneficiary alive when the Insured Person        have complied with all the terms of this policy. At the end of this period,
dies, we will pay the Benefit Amount to the first surviving class in the        we will immediately pay any remaining balance of the Benefit Amount.
following order:                                                                All payments by us are subject to receipt of written Proof of Loss. Proof
  a) the Insured Person’s spouse or Domestic Partner ;                          of Loss: For all claims, written Proof of Loss must be given to us within
  b) in equal shares to the Insured Person’s surviving children;                ninety (90) days after the date of Loss, or as soon as reasonably possible.
  c) in equal shares to the Insured Person’s surviving parents;                 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
  d) in equal shares to the Insured Person’s surviving brothers and sisters;
                                                                                possible, and in no event, except in cases where the claimant lacks legal
  e) to the Insured Person’s estate
                                                                                capacity, later than one (1) year after the deadline to submit written
All other Benefit Amounts are paid to the Insured Person, unless                Proof of Loss.
otherwise directed by the Insured Person or the Insured Person’s
designee. The Insured Person, and no one else, has the right to change          EFFECTIVE DATE: This insurance is effective the date in which the
the beneficiary. The Insured Person does not need the consent of anyone         American Express Corporate Card Card Member becomes an eligible
to do so. Changes must be in writing and filed with the Policyholder.           Insured and will cease on the date the Master Policy 6477-82-04 is
We do not assume any responsibility for the validity of these changes.          terminated or on the date the American Express Corporate Card account
                                                                                is canceled or ceases to be in good standing, whichever occurs first.
EXCLUSIONS:
                                                                                The benefits described herein are subject to all of the terms and conditions
1) This insurance does not apply to an Accident occurring while an              of the Blanket Master Group Policy 6477-82-04. This Description of
Insured Person is in, entering, or exiting any aircraft owned, leased or        Coverage replaces any prior Description of Coverage that may have been
operated by the Sponsoring Organization or any aircraft owned, leased           furnished in connection with Business Travel Accident Insurance.
or operated by Sponsoring Organization on behalf of the Sponsoring
Organization. This exclusion does not apply to aircraft chartered with          For questions about coverage, change in beneficiary or other
pilot or crew on a one time charter basis; 2) while an Insured Person is in,    inquiries, please contact American Express at 1-800-528-2122.
entering, or exiting any aircraft while acting or training as a pilot or crew
member. This exclusion does not apply to passengers who temporarily             For claims related matters ONLY, contact
perform pilot or crew functions in a life threatening emergency.; 3) Loss
caused by or resulting from an Insured Person’s emotional trauma,               Crawford & Company
mental or physical illness, disease, pregnancy, childbirth or miscarriage,      Preferred Partner for Chubb Affinity Claims
bacterial or viral infection, or bodily malfunctions. This exclusion does       PO Box 4090
not apply to Loss resulting from an Insured Person’s bacterial infection        Atlanta, GA 30302
caused by an Accident or from Accidental consumption of a substance             Call Toll Free - 855-830-3719
contaminated by bacteria.; 4) loss caused by or resulting from, directly        Fax Toll Free - 855-830-3728
or indirectly, an Insured Person’s commission or attempted commission
of a felony or being engaged in an illegal occupation.; 5) Loss caused          As a handy reference guide, please read this and keep it in a safe
by or resulting from an Insured Person being intoxicated at the time            place with other insurance documents. This description of coverage
of an Accident. Intoxication is defined by the laws of the jurisdiction         is not a contract of insurance but is simply an informative statement
where such Accident occurs.; 6) Loss caused by or resulting from, an            of the principal provisions of the insurance while in effect. Complete
Insured Person being under the influence of any narcotic at the time            provisions pertaining to this plan of Insurance are contained In the
of the Accident. This exclusion does not apply if the narcotic is taken         master policy on file with the Policyholder: American Express Travel
and used as prescribed by a Physician.; 7) This insurance does not apply        Related Services Company, Inc. If this plan does not conform to state
to suicide, attempted suicide or Loss that is intentionally self-inflicted.;    statutes, it will be amended to comply with such laws. If a statement in
8) Loss caused by or resulting from a declared or undeclared War.               this description of coverage and any provision in the policy differ, the
Declared or undeclared War does not include acts of terrorism. War              policy will govern.
means: 1) hostilities following a declaration of War by a government
authority; 2) if there is no declaration of War, then armed, open and           		                      Plan Underwritten By
continuous hostilities between two countries; or 3) armed, open and             		                      Federal Insurance Company
continuous hostilities between two factions, each in control of territory,      		                      A member insurer of the
or claiming jurisdiction over the site of the area of hostility.                		                      Chubb Group of Insurance Companies
                                                                                		                      15 Mountain View Road, P.O. Box 1615
CLAIMS:                                                                         		                      Warren, NJ 07061-1615

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
American Express® Card Baggage Insurance Plan
Description of Coverage
Underwritten by AMEX Assurance Company, Administrative Office, MC: 080120, 20022 N. 31st Ave., Phoenix, AZ 85027.

The Baggage Insurance Plan provides benefits for a Covered Person’s            Domestic Partner means persons who either,
damaged, stolen or lost Baggage, whether checked or carry-on, when             1.    can provide documentation of registration of the Domestic
Common Carrier Conveyance tickets are purchased and charged to                       Partner relationship pursuant to a state, county or municipal
Your Account.                                                                        provision; or
                                                                               2.    can meet the following qualifications:
DEFINITIONS                                                                          a. have resided with each other continuously for at least 12
                                                                                     months in a sole-partner relationship that is intended to
Certain words used in this Description of Coverage are capitalized                   be permanent;
throughout and have special meanings. Wherever used herein, the                      b. are not married to any other person;
singular shall include the plural, the plural shall include the singular, as         c. are at least 18 years old;
the context requires.                                                                d. are not related to each other by blood closer than would bar
Account means Your American Express Card Account, Business Travel                    marriage per state law; and
Account, Airline Billing Account or a Treasurer’s Card and the extended              e. are financially interdependent as can be documented by copies
payment account, if any, offered in conjunction with any of these, all         of joint home ownership or lease, common bank accounts, credit cards,
issued by American Express Travel Related Services Company, Inc. or            investments, or insurance.
its participating subsidiaries (“American Express”).                           Entire Fare means the cost of the full fare for a Covered Trip on a
Alighting means when a Covered Person is in the direct and immediate           Common Carrier Conveyance that is charged to the Basic or Additional
act of moving down, out, or off of a Common Carrier Conveyance while           Card Member’s or Sponsoring Organization’s American Express Card
on a Covered Trip. Once the Covered Person’s body has completely               and payable in full in U.S. dollars or combined with American Express
exited the Common Carrier Conveyance, he or she is no longer                   Membership Rewards® Points. Entire Fare does not include fares on a
Alighting.                                                                     Common Carrier Conveyance defrayed in full or in part with Frequent
Baggage means each Covered Person’s personal property, including               Flyer Miles.
travel bags and suitcases and their contents, which the Covered Person         Frequent Flyer Miles means an award of air transportation, regardless
takes on a Covered Trip, whether to be carried on or checked with the          of whether the award is referenced as frequent flyer miles, voucher, trip
Common Carrier Conveyance.                                                     pass, coupon, or other awards, provided to a Covered Person or for
Boarding means when a Covered Person is in the direct and immediate            which a Covered Person may benefit that may be used to pay, in full
act of getting on and entering into a Common Carrier Conveyance                or in part, or otherwise defray or reduce the costs of air transportation.
while on a Covered Trip.                                                       Loss means damaged, stolen or lost Baggage.
Bona Fide Business Trip means while on assignment by or at the                 Master Policyholder means American Express Travel Related Services
direction of the Sponsoring Organization for the purpose of furthering         Company, Inc.
the business of the Sponsoring Organization. It shall not include              Permanent Residence means the one primary dwelling place where the
everyday travel to and from work, bona fide leaves of absence, personal        Covered Person resides and to which they intend to return.
side trips, vacations or incidental work done for the Sponsoring               Plan means the Policy and the benefits described therein.
Organization during these times.                                               Platinum Card Member means a Card Member who has a Platinum
Card Member means a person or Sponsoring Organization who has                  Charge Card (required to be paid in full monthly), a Corporate Platinum
been issued a United States of America based proprietary American              Card, or a Fidelity American Express Platinum Card. Any other Card
Express Card, which is Current and in Good Standing, and who has a             which may reference the Platinum name or has Platinum colored plastic
Permanent Residence in the 50 United States of America, or the District        will not receive higher coverage limits or benefits.
of Columbia, Puerto Rico or the U.S. Virgin Islands.                           Policy means the Group Insurance Master Policy (AX0400 issued to
Common Carrier Conveyance means an air, land or water vehicle                  American Express Travel Related Services Company, Inc.).
(other than a personal or rental vehicle) licensed to carry passengers for     Replacement Cost means the lesser of the cost to repair or replace
hire and available to the public.                                              Baggage with material or property of like kind and quality as a result
Company means AMEX Assurance Company, and its duly authorized                  of a Loss.
agents.                                                                        Sponsoring Organization means the corporation, partnership,
Covered Person means                                                           association, proprietorship or any parent, subsidiary or affiliate, which
a.    the Basic Card Member, each Additional Card Member, and each             employs the Card Member and participates in the Corporate Card
      of these Card Members’ spouses or Domestic Partners and                  program offered by American Express.
      dependent children under 23 years of age; or                             We, Us, Our means the Company.
b.    officers, partners, proprietors, employees, consultants or               You, Your means the Card Member.
      employment candidates authorized by a Sponsoring Organization,
      to have Common Carrier Conveyance fares charged to that                  DESCRIPTION OF BENEFITS
      Sponsoring Organization’s Account for a Bona Fide Business Trip.
                                                                               We will pay a benefit to a Covered Person for a Loss up to the applicable
All Covered Persons must have a Permanent Residence within the 50              limits and under the circumstances described below.
United States of America,or the District of Columbia, Puerto Rico, or
the U.S. Virgin Islands. All other persons are not Covered Persons             For New York State residents, there is a $10,000 aggregate maximum
under the Policy.                                                              limit for all Covered Persons per Covered Trip.
Covered Trip means a trip taken by the Covered Person between                  Carry-on Baggage Benefit
the point of departure and the final destination as shown on the               We will pay a benefit for the Replacement Cost, up to $1,250, for each
Covered Person’s ticket or verification issued by the Common Carrier           Covered Person on a Covered Trip for Loss of carry-on Baggage. A
Conveyance, provided the Covered Person’s Entire Fare for such trip on         Covered Person is eligible for this benefit if the Loss occurs while
the Common Carrier Conveyance involved in the Loss has been charged            the Covered Person is upon a Common Carrier’s terminal premises
to a Basic or Additional Card Member’s or Sponsoring Organization’s            designated for passenger use, but only when the Covered Person is
eligible American Express Card Account prior to any Loss.                      upon such premises immediately before Boarding or immediately after
Current and in Good Standing means a Card Member Account for                   Alighting from a Common Carrier Conveyance or while riding solely
which the monthly minimum requirement has been paid prior to the               as a passenger in or Boarding or Alighting from a Common Carrier
date on which the claim is payable.                                            Conveyance while on a Covered Trip.
Checked Baggage Benefit                                                         CLAIMS PROVISIONS
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.                   To claim a benefit which You believe is payable under this Plan, You
(Bicycles are covered when checked as Baggage with a Common Carrier             must provide both Notice of Claim and Proof of Loss.
Conveyance.)                                                                    Notice of Claim
High-risk Items Benefit                                                         Notice of Claim should be provided to Us within thirty (30) days of the
We will pay a maximum benefit of $250, for each Covered Person on a             Loss. You may contact Us by calling toll-free stateside 1-800-645-9700
Covered Trip for Loss of high risk items.                                       or, if from overseas, by calling collect 1-303-273-6498. You may also
High-risk items include, but are not limited to:                                write to Us at Baggage Insurance Plan, PO Box 981553, El Paso, TX
1.    jewelry;                                                                  79998-9920.
2.    sporting equipment;
3.    photographic or electronic equipment; and                                 Failure to provide Notice of Claim within thirty (30) days will not
4.    computers and audio/visual equipment.                                     invalidate a claim or reduce any benefit payment that may be found to
Common Carrier Conveyance Benefit                                               be eligible, if it can be shown that it was provided as soon as reasonably
We will pay a benefit for the Replacement Cost, up to $1,250, for               possible. At the time You provide Us with Notice of Claim, We will
each Covered Person on a Covered Trip, when a Common Carrier                    assist You with Your Proof of Loss by providing You with instructions
Conveyance ticket is purchased in advance of a Covered Trip, for Loss           and with documents, which You must complete and return to Us.
to Baggage while the Covered Person is riding solely as a passenger on          You are required to cooperate with Us and provide documentation as
a Common Carrier Conveyance when going directly to a Common                     requested by Us which is required and necessary to process Your claim
Carrier’s terminal for the purpose of Boarding a Common Carrier                 and determine if benefits are payable.
Conveyance or when leaving from a Common Carrier’s terminal
directly after Alighting from a Common Carrier Conveyance.                      For residents of Missouri, no claim will be denied based upon Your
                                                                                failure to provide notice within such specified time, unless this failure
Coverage for all benefits under this Description of Benefits section is         operates to prejudice the right of the Company.
secondary to any other coverage, which is primary and provided by a
Common Carrier Conveyance. Where other coverage is available to the             To insure prompt processing of Your claim, report any damaged, stolen
Covered Person, Our benefit will be in excess of the amount payable             or lost Baggage immediately following the Loss. Retain Your receipts
under the other coverage. The combined payment from the Plan’s                  and damaged property until the claim process is complete.
coverage and other coverage shall not exceed Our Replacement Cost.
                                                                                Claims for Loss of checked Baggage can be processed and paid only after
Our payment of any eligible benefit amount is further contingent upon           the Common Carrier Conveyance responsible for the Loss has settled
Your Account being Current and in Good Standing.                                the claim against it. If the Common Carrier Conveyance completely
                                                                                denies Your claim, there will be no reimbursement for the Loss under
Only a Card Member has a legal and equitable right to any insurance             this Plan unless the sole reason for denial is the specific exclusion of a
benefit that may be available under this Plan.                                  particular item under the Common Carrier Conveyance’s contract of
                                                                                carriage.
EXCLUSIONS
                                                                                Carry-on Baggage claims will be subject to payment on the basis of the
Benefits are not payable if the Loss for which coverage is sought was           Replacement Cost.
directly or indirectly, wholly or partially, contributed to or caused by
the following:                                                                  For checked Baggage, You must file a written report of the Loss with the
1.     war or any act of war, whether declared or undeclared;                   Common Carrier Conveyance before leaving the terminal. For carry-
2.     any act by customs or other governmental authority whether               on Baggage, You must file a written report of the Loss with a local law
       involving Your consent or by confiscation or requisition (except         enforcement agency, if You suspect theft of Your Baggage.
       the Transportation Security Administration);                             Proof of Loss
3.     defective workmanship, normal wear and tear and gradual                  Proof of Loss requires You to send Us all the information We request,
       deterioration;                                                           at Your expense, in order that Your claim may be evaluated and that
4.     any illegal act by or on behalf of the Covered Person.                   We may make a determination as to whether the claim may be paid.
For residents of Washington, the first paragraph of this section is             You must provide Us with satisfactory Proof of Loss within thirty (30)
removed and replaced with the following: We will not pay for Loss               days (for residents of North Dakota sixty (60) days) (for residents of
caused by any of the excluded events described below. Loss will be              Oregon ninety (90) days) after We have provided You with instructions
considered to have been caused by an excluded event if the occurrences          and claim forms in response to Your Notice of Claim or Your claim may
of that event directly and solely results in Loss, or initiates a sequence of   be denied. Your Proof of Loss documentation may be mailed to Us at
events that result in Loss, regardless of the nature of any intermediate or     the same address provided above for mailing Your Notice of Claim. We
final event in that sequence.                                                   reserve the right to request all the information We deem necessary to
Items Not Covered                                                               determine that Your claim is payable, and We will not consider that We
This Plan does not insure:                                                      have received complete Proof of Loss until the information We have
1.     cash or its equivalent, notes, accounts, bills, currency, deeds, food    requested is received.
       stamps or evidences of debt or intangible property;
2.     credit cards and other travel documents (including, but not              Proof of Loss may require documentation consisting of, but not
       limited to, passports and visas);                                        necessarily limited to, the following:
3.     securities;                                                              1.   a Baggage Insurance Plan Claim Form;
4.     tickets and documents;                                                   2.   the American Express charge receipt for the Covered Trip;
5.     plants and animals;                                                      3.   for checked Baggage, the written report of the Loss filed with the
6.     automobiles and equipment;                                                    Common Carrier Conveyance; and
7.     motorcycles and motors;                                                  4.   for carry-on Baggage, the written report of the Loss filed with the
8.     aircraft, boats or other conveyances; or                                      appropriate authority or law enforcement agency, if You suspect
9.     property shipped as freight or shipped prior to the Covered Trip              theft of Your Baggage.
       departure date.
No payment will be made on claims not substantiated in the manner             Coverage may be changed at any time by written agreement between
required by Us.                                                               the Master Policyholder and the Company. Only the President, Vice-
                                                                              President or Secretary of AMEX Assurance Company may change or
If all required documentation is not received within thirty (30) days         waive the provisions of the Description of Coverage. No agent or other
(for residents of North Dakota sixty (60) days) (for residents of Oregon      person may change the Description of Coverage or waive any of its
ninety (90) days) of the date of the Loss (except for documentation           terms. This Description of Coverage may be changed at any time by
which has not been furnished for reasons beyond Your control),                providing notice to You. A copy of the Policy will be maintained and
coverage may be denied. It is Your responsibility to provide all required     kept by the Master Policyholder and may be examined at any time.
documentation We request.                                                     Excess Coverage
                                                                              If any Loss under this Plan is insured under any other valid and
You may be required to send in the damaged property at Your expense           collectible policy, then this Plan shall cover such Loss, subject to its
for further evaluation of Your claim. If requested, You must send in          exclusions, conditions, provisions and other terms herein, only to the
the damaged property within thirty (30) days (for residents of North          extent that the amount of such Loss is in excess of the amount of such
Dakota sixty (60) days) (for residents of Oregon ninety (90) days) from       other insurance which is payable or paid.
the date of Our request in order to remain eligible for coverage.             Fraud
                                                                              If any request for benefits made under the Plan is determined to be
Payment of Claim                                                              fraudulent or if any fraudulent means or devices are used by You or
A claim for benefits provided by this Plan will be paid upon Our receipt      by anyone acting on Your behalf to obtain benefits, all benefits will be
and review of Your complete Proof of Loss documentation and Our               forfeited.
determination that a claim is payable according to the terms of the Plan.
                                                                              We do not provide coverage to a Card Member who, whether before or
Any payment made by Us in good faith pursuant to this or any other            after a Loss, has:
provision of this Plan will fully discharge Us to the extent of such          1.     concealed or misrepresented any fact upon which we rely, if the
payment.                                                                             concealment or misrepresentation is material and is made with the
Claims will be paid on the basis of the Replacement Cost of the covered              intent to deceive; or
property. If You are eligible to recover your Loss from other insurance       2.     concealed or misrepresented any fact, if the fact misrepresented
sources, We will make a payment to You only to the extent Your Loss                  contributes to the loss.
exceeds the amount paid from other insurance. The Company may,
at its option, elect to repair or replace the covered property. If the        Legal Actions
Company elects to replace the property it will be of like kind and quality.   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
TERMINATION OR CANCELLATION                                                   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
Coverage will cease on the earliest of the following:                         Dakota six (6) years) from the time written Proof of Loss is required to
1.   the date You no longer maintain a Permanent Residence in the 50          be given.
     United States of America, or the District of Columbia, Puerto Rico
     or the U.S. Virgin Islands;                                              If a time limit of this Plan is less than allowed by the laws of the state
2.   the date We determine that You or someone on Your behalf                 where You live, the limit is extended to meet the minimum time allowed
     intentionally misrepresented or fraud occurred;                          by such law.
3.   the date the Policy or any benefit under the Policy is cancelled;        Right of Recovery
4.   the date You terminate Your Account and are no longer a                  If We make a payment to You under this Plan and You recover an
     Card Member or Your Account is cancelled by American Express;            amount from another, equal to or less than Our payment, You shall hold
5.   the date Your Account ceases to remain Current and in Good               in trust for Us the proceeds of the recovery and reimburse Us to the
     Standing; or                                                             extent of Our payment. If Our payments exceed the maximum amount
6.   the date the Plan is not available in the location where You             payable under the benefits of this Plan, We have the right to recover
     maintain a Permanent Residence.                                          from You any amount exceeding the maximum amount payable.
                                                                              Subrogation
Termination or Cancellation of coverage will not prejudice any claim          In the event of any payment under this Plan, We shall be subrogated
originating prior to termination or cancellation subject to all other         to the extent of such payment to all Your rights of recovery. You shall
terms of the Policy.                                                          execute all papers required and shall do everything necessary to secure
                                                                              and preserve such rights, including the execution of such documents
The Company has the right to cancel the Policy at any time by sending         necessary to enable Us to effectively bring suit or otherwise pursue
a written notice at least sixty (60) days in advance to You at Your last      subrogation rights in Your name. You shall do nothing to prejudice such
known address. The notice will include the reason for cancellation.           subrogation rights.

GENERAL PROVISIONS                                                            We shall be entitled to a recovery as stated in these provisions only after
                                                                              You have been fully compensated for damages by another party.
Change of Permanent Residence
If You change Your Permanent Residence to a different state, Your Policy      For residents of Louisiana, the Right of Recovery, Subrogation and
provisions may be adjusted to conform to the requirements of that state.      Excess Coverage sections are revised to reflect: If the Company makes
Clerical Error                                                                any payment under this Policy and the Card Member has the right to
A clerical error made by the Company will not invalidate insurance            recover damages from another, the Company shall be subrogated to that
otherwise validly in force nor continue insurance not validly in force.       right. However, the Company’s right to recover is subordinate to the
Conformity with State and Federal Law                                         Card Member’s right to be fully compensated.
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.              IMPORTANT ADDITIONAL INFORMATION FOR YOU
Entire Contract; Representation; Changes
This Description of Coverage, the Policy, and any applications,               This Description o f Coverage replaces any other Description of
endorsements or riders make up the entire contract. Any statement             Coverage under the Policy that You may have previously received for
You make is a representation and not a warranty. This Description of          the Baggage Insurance Plan.
This Description of Coverage is an important document. Please read           extent that the amount of such Loss is in excess of the amount of such
it and keep it in a safe place.                                              other insurance which is payable or paid.
IN WITNESS WHEREOF, We have caused this Description of Coverage              The Legal Actions section is hereby removed in its entirety and replaced
to be signed by Our officers:                                                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
Steve C. Lindstrom           C. Ray Cliett                                   (60) days after Proof of Loss has been received by Us. No such action
     President                 Secretary                                     may be brought after three (3) years from the time a claim has been
AMEX Assurance Company                                                       denied.
BIP-CORP 07/07                                                               Colorado: Form Number AEREG1013CO. All definitions, terms and
Forms in addition to those listed above are also applicable to               provisions within the Description of Coverage/Policy/Certificate of
residents in the following states:                                           Insurance wherever appearing and denoting a marital relationship or
Arizona, Indiana and Texas: The American Express Card Baggage                family relationship arising out of marriage will include parties to a civil
Insurance Plan is governed by form numbers BIP-IND-CORP 07/07                union established in the State of Colorado according to Colorado law
and BIP-IND-END1 10/08.                                                      and their families.
References to Description of Coverage and Master Policy throughout           The terms that mean or refer to family relationships arising from a
the above form have been changed to Policy.                                  marriage, such as “family”, “immediate family”, “dependent”, “children”,
The definitions of Master Policyholder and Plan are hereby removed.          “next of kin”, “relative”, “beneficiary”, “survivor” and any other such
The following definitions are added to the Definitions section.              terms include family relationships created by a civil union established
American Express Card means any credit or charge card bearing an             according to Colorado law.
American Express trademark or logo issued by American Express                For Residents of Indiana:
Travel Related Services Company, Inc. or its subsidiaries or affiliates or   Questions regarding your policy should be directed to:
any of their licensees which can be used to purchase goods or services       AMEX Assurance Company
at merchants on the American Express Network and which American              800-671-9285
Express Travel Related Services Company, Inc. designates as eligible for     If you (a) need the assistance of the governmental agency that regulates
coverage under the Policy.                                                   insurance or (b) have a compliant you have been unable to resolve with
Policy as used throughout means this contract issued to the Card             your insurer you may contact the Department of Insurance by mail,
Member providing the benefits described herein.                              telephone or email:
The following provision is added to the General Provisions section.          State of Indiana Department of Insurance
Assignment                                                                   Consumer Services Division
No assignment will be acknowledged until it has been received by             311 West Washington Street, Suite 300
the Company. The Company does not make any acknowledgement of                Indianapolis, IN 46204-2787.
the effectiveness of an assignment or accept any responsibility for the      Consumer Hotline: 1-800-622-4461. In the Indianapolis Area
validity or legality of any assignment.                                      1-317-232-2395.
                                                                             Complaints can be filed electronically at www.in.gov/idoi
In all other respects, the provisions and conditions of the Policy remain    Kansas: Form Number BIP-RDR1-KS 07/07. The Legal Actions
the same.                                                                    section is hereby removed in its entirety and replaced with the following:
Alaska: Form Number BIP-RDR1-AK 07/07. Paragraph two in the                  Legal Actions
Notice of Claim provision is hereby removed in its entirety and replaced     No legal action may be brought to recover against this Plan until sixty
with the following which is added and made part of the Description of        (60) days after Proof of Loss has been received by Us. No such action
Coverage:                                                                    may be brought after five (5) years from the time Proof of Loss is
Failure to provide Notice of Claim within thirty (30) days will not          required to be given.
invalidate a claim or reduce any benefit payment that may be found to        Kentucky: Form Number BIP-RDR1-KY 07/07.
be eligible, if it can be shown that it was provided as soon as reasonably   In the Termination or Cancellation section the following is removed:
possible. At the time You provide Us with Notice of Claim, We will assist    The Company has the right to cancel the Policy at any time by sending
You with Your Proof of Loss by providing You with instructions and           a written notice at least sixty (60) days in advance to You at Your last
with documents, within 10 days of Your Notice of Claim, which You            known address. The notice will include the reason for cancellation.
must complete and return to Us. You are required to cooperate with Us        And replaced with the following:
and provide documentation as requested by Us which is required and           The Company has the right to cancel the Policy at any time by sending
necessary to process Your claim and determine if benefits are payable.       a written notice at least seventy-five (75) days in advance to You at Your
The opening paragraph in the Exclusion section is hereby removed in          last known address. The notice will include the reason for cancellation.
its entirety and replaced with the following which is added and made         Louisiana: Form Number BIP-RDR1-LA 07/07.
part of the Description of Coverage:                                         The definition of Domestic Partner is hereby removed from the
These exclusions do not apply if the dominate cause of a loss is a risk or   Definitions section of the Description of Coverage. Additionally
peril that is not otherwise excluded. Benefits are not payable if the loss   all references to Domestic Partner are hereby removed from the
for which coverage is sought was directly or wholly caused by:               Description of Coverage.
                                                                             In the Payment of Claim section the following is removed:
The following paragraph is added the Termination or Cancellation             A claim for benefits provided by this Plan will be paid upon Our receipt
section:                                                                     and review of Your complete Proof of Loss documentation and Our
For cancellation of coverage due to intentional misrepresentation            determination that a claim is payable according to the terms of the Plan.
or fraud the Company will provide You a ten (10) day notice of such          And replaced with the following:
cancellation.                                                                A claim for benefits provided by this Plan will be paid within 30
The Excess Coverage section is hereby removed in its entirety and            days, upon Our receipt and review of Your complete Proof of Loss
replaced with the following which is added and made part of the              documentation and Our determination that a claim is payable according
Description of Coverage:                                                     to the terms of the Plan.
Excess Coverage                                                              Maryland: Form Number BIP-RDR1-MD 07/07.
If any Loss under this Plan is insured under a Common Carrier                In the Proof of Loss section the following is removed:
Conveyance’s policy, then this Plan shall cover such Loss, subject to its    Proof of Loss requires You to send us all the information We request, at
exclusions, conditions, provisions and other terms herein, only to the       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.                Company will make payment to You with ten (10) working days, unless
And replaced with the following:                                             a delay in payment is mandated under an order by a court or required
Proof of Loss requires You to send us all the information We request         by law.
in order that Your claim may be evaluated and that We may make a             Washington: Form Number BIP-RDR1-WA 07/07. The definition of
determination as to whether the claim may be paid.                           Replacement Cost is hereby removed and replaced with the following:
Oklahoma: Form Number BIP-RDR1-OK 07/07.
The following is added to your Description of Coverage:                      Replacement Cost means the lesser of the cost to repair or replace
WARNING: Any person who knowingly, and with intent to injure,                Baggage with new material or property of like kind and quality as a
defraud or deceive any insurer, makes any claim for the proceeds of          result of a Loss.
an insurance policy containing any false, incomplete or misleading
information is guilty of a felony.
For Residents of Texas:                                                      The Entire Contract; Representation; Changes provision is hereby
                          IMPORTANT NOTICE                                   deleted in its entirety and replaced with the following:
       TO OBTAIN INFORMATION OR MAKE A COMPLAINT:                            Entire Contract; Representation; Changes
     You may call AMEX Assurance’s toll-free telephone number for            This Description of Coverage, the Policy, and any applications,
                  information or to make a complaint at:                     endorsements or riders make up the entire contract. Any statement
                               1-800-645-9700                                You make is a representation and not a warranty. This Description of
          You may also write to AMEX Assurance Company at:                   Coverage may be changed at any time by written agreement between
                    MC: 08-01-20 20022 N. 31st Avenue                        the Master Policyholder and the Company. Only the President, Vice-
                             Phoenix, AZ 85022                               President or Secretary of AMEX Assurance Company may change or
      You may contact the Texas Department of Insurance to obtain            waive the provisions of the Description of Coverage. No agent or other
      information on companies, coverages, rights or complaints at:          person may change the Description of Coverage or waive any of its
                               1-800-252-3439                                terms. This Description of Coverage may be changed at any time by
          You may write the Texas Department of Insurance at:                providing notice to You. A copy of the Policy will be maintained and
                               P.O. Box 149104                               kept by the Master Policyholder and may be examined at any time. Any
                           Austin, TX 78714-9104                             conflict with the terms of the Description of Coverage will be decided
                            Fax# (512) 475-1771                              by looking at the intent of the Description of Coverage provided to You.
                       Web: http://www.tdi.state.tx.us                       The Fraud provision is hereby deleted in its entirety and replaced with
                E-mail: ConsumerProtection@tdi.state.tx.us                   the following:
                   PREMIUM OR CLAIM DISPUTES:
  Should you have a dispute concerning your claim you should contact         Fraud
  the company first. If the dispute is not resolved, you may contact the     If any request for benefits made under the Plan is determined to be
                      Texas Department of Insurance.                         fraudulent or if any fraudulent means or devices are used by You or
             ATTACH THIS NOTICE TO YOUR POLICY:                              by anyone acting on Your behalf to obtain benefits, all benefits will be
    This notice is for information only and does not become a part or        forfeited.
                    condition of the attached document.
                          AVISO IMPORTANTE                                   We do not provide coverage to a Card Member who, whether before or
               PARA OBTENER INFORMACION O PARA                               after a Loss, has:
                          SOMETER UNA QUEJA:                                 3.     intentionally concealed or misrepresented any fact upon which we
 Usted puede llamar al numero de telefono gratis de AMEX Assurance                  rely, if the concealment or misrepresentation is material and is
        Company’s para informacion o para someter una queja al:                     made with the intent to deceive; or
                               1-800-645-9700                                4.     intentionally concealed or misrepresented any fact, if the fact
       Usted tambien puede escribir a AMEX Assurance Company:                       misrepresented contributes to the loss.
                    MC: 08-01-20 20022 N. 31st Avenue                        The Right of Recovery provision is hereby deleted in its entirety and
                             Phoenix, AZ 85022                               replaced with the following:
   Puede comunicarse con el Departamento de Seguros de Texas para            Right of Recovery
    obtener informacion acerca de companies, coberturas, derechos o          If We make a payment to You under this Plan and You recover an
                                   quejas al:                                amount from another, equal to or less than Our payment, You shall hold
                               1-800-252-3439                                in trust for Us the proceeds of the recovery and reimburse Us to the
          Puede escribir al Departamento de Seguros de Texas:                extent of Our payment. If Our payments exceed the maximum amount
                               P.O. Box 149104                               payable under the benefits of this Plan, We have the right to recover
                           Austin, TX 78714-9104                             from You any amount exceeding the maximum amount payable. The
                            Fax# (512) 475-1771                              Company’s right to recover is subordinate to the Your right to be fully
                       Web: http://www.tdi.state.tx.us                       compensated.
                E-mail: ConsumerProtection@tdi.state.tx.us                   Wisconsin: Form Number BIP-RDR1-WI 07/07. The following is
             DISPUTAS SOBRE PRIMAS O RECLAMOS:                               hereby removed from the Notice of Claim provision:
   Si tiene una disputa concerniente a un reclamo, debe comunicarse          To insure prompt processing of Your claim, report any damaged, stolen
 con la compania primero. Si no se resuelve la disputa, puede entonces       or lost Baggage immediately following the Loss. Retain Your receipts
                 comunicarse con el departamento (TDI)                       and damaged property until the claim process is complete.
 UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito               And replaced with the following:
          de informacion y no se convierte en parte o condicion              To insure prompt processing of Your claim, report any damaged, stolen
                           del documento adjunto.                            or lost Baggage following the Loss. Retain Your receipts and damaged
TX NOTICE                                                                    property until the claim process is complete.

Vermont: Form Number BIP-RDR1-VT 07/07. All definitions, terms
and provisions within the Description of Coverage 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
Vermont according to Vermont laws and their families.The following
sentence is added to the end of the Payment of Claim provision: The
                                                                                                                           ©2013 American Express
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