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: ForAmerican 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 Wemay 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
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