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Small Business Mastercard Benefit Guide

Small Business Mastercard Benefit Guide

Important information. Please read and save. This Guide to Benefits contains detailed information about extensive insurance, travel and retail
protection services you can access as a preferred cardholder. This Guide supersedes any guide or program description you may have received earlier.

To file a claim or for more information on any of these services, call the Mastercard Assistance Center at (800) Mastercard: (800) 627-8372,
or en Español: (800) 633-4466.

“Card” refers to World Debit™ Mastercard® card and “Cardholder” refers to a World Debit™ Mastercard® cardholder.

Key Terms:

Throughout this document, You and Your refer to the cardholder or authorized user of the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company.

Account Holder means a person to whom an Eligible Account is issued and who holds the Eligible Account under his or her name. 

Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at (800) Mastercard

Authorized Driver(s) means a driver with a valid driver’s license issued from their state of residence and indicated on the rental agreement.

Authorized User means a person who is recorded as an authorized user of an Eligible Account by the Account Holder and who is authorized by the Account Holder to make payments to the Eligible Account.

Cardholder means the Account Holder or Authorized User of an Eligible Account in good standing.

Covered Card means the Mastercard® card linked to your Eligible Account.

Eligible Account means the account associated with the Cardholder’s U.S. issued credit card, debit card, checking account, line of credit, loan, certificate of deposit or other account that is eligible for coverage under the Group Policy.

Evidence of Coverage (EOC) means the summary of benefits set forth below which describe the terms, conditions, limitations and exclusions of the coverage provided to You at no additional charge under a Group Policy issued by New Hampshire Insurance Company, an AIG company. Representations or promises made by anyone that are not contained in the group policy are not part of Your coverage. In the event the EOC, Key Terms, or Legal Disclosures of this Guide to Benefits conflict with the provisions of the group policy, the terms of the group policy govern Your coverage.

Manufacturer Suggested Retail Price (MSRP) means the purchase price of the vehicle or the value of the vehicle.

Mysteriously Disappear means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.

Rental Agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement.

Stolen means taken by force and/or under duress or a loss which involves the disappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within  forty-eight hours of the theft. 

United States Dollars (USD) means the currency of the United States of America.

Vehicle means a land motor vehicle with four wheels that is designed for use on public roads and intended for use on a bound surface such as concrete and tarmac. This includes minivans and sport utility vehicles that are designed to accommodate less than nine (9) passengers.

BUSINESS SERVICES

Intuit QuickBooks® Online Discount

Program Description: QuickBooks Online is accounting software for self-employed and small businesses designed to help manage sales and expenses, get invoices paid, accept payments and much more. With real-time, accurate data you can access anywhere, anytime, and with any device, you’ll always know where you stand so you can focus on your business. Mastercard cardholders can sign up for a 30-day free trial and save up to 50% on QuickBooks Online products.

Eligibility:To be eligible for a discount on Intuit QuickBooks Online, you must have a valid Mastercard Small Business Credit, Debit or Prepaid card issued by a U.S. financial institution. Trial and discount offers are valid for new QuickBooks Online subscriptions only.

How to use the Intuit QuickBooks® Online benefit: Visit Intuit.me/quickbooks_mc (Request Code from your Mastercard Account Representative) and follow instructions to purchase the appropriate version of QuickBooks® Online for your business. Use your Mastercard Small Business Credit, Debit or Prepaid card to pay for your discounted purchase (discounts for new QuickBooks® Online customers only).

Terms and Conditions: QuickBooks Terms of Service can be found at Quickbooks.intuit.com/global/terms-of-service.

Intuit TurboTax® Discount

Program Description: TurboTax, the #1 best-selling tax preparation software, coaches consumers and small businesses step-by-step through their federal and state taxes, no previous tax knowledge needed. TurboTax guarantees 100% accurate calculations and your maximum tax refund, so you can be confident your taxes are done right. Mastercard cardholders can save up to $20 on TurboTax federal products. 

Discounts are applicable to TurboTax Online and TurboTax download versions:

  • TurboTax Self-Employed uncovers industry-specific deductions personalized to you and your line of work
  • TurboTax Business (download version) is designed for Partnerships, S Corps, C Corps, multi-member LLCs, trusts and estates
  • TurboTax Live products offer real-time expert advice on demand and a final review of your return by a CPA or EA

Eligibility: To be eligible for a discount on Intuit TurboTax, you must have a valid Mastercard Small Business Credit, Debit or Prepaid card issued by a U.S. financial institution.

How to use the Intuit TurboTax bene it: Visit Turbotax.intuit.com/affiliate/mastercard1 (Request Code from your Mastercard Account Representative) and follow instructions to purchase the right version of TurboTax for your business. Use your Mastercard Small Business Credit, Debit or Prepaid card to pay for your discounted purchase.

Terms of Service and Guarantees: TurboTax Terms of Service can be found at Turbotax.intuit.com/corp/terms-of-service.jsp and TurboTax Product Guarantees and other important information are located at Turbotax.intuit.com/lp/yoy/guarantees.jsp.

Mastercard Mobile Receipt Management

Program Description: Mastercard offers a free Mobile Receipt Management application for all Small Business Credit, Debit and Prepaid cardholders in the United States. Business owners and employees can snap photos of receipts to store them securely in the cloud. This will help businesses to better understand their expenses and manage their financial health. Receipts are foundational to better cash management for small businesses and the Mastercard Mobile Receipt Management app helps them categorize expenses (including personal vs. business), attach detailed notes, easily export data, and view clear reporting. Sort and view stored receipts based on merchant name, purchase date, amount, or expense category. Once the information is in the system, easily export your receipt images and/or the associated expense data to share with a bookkeeper or accountant.

Eligibility and Activation: To use the Mastercard Mobile Receipt Management app, simply download the free iOS or Android version from the Apple or Google app store. Then use your valid Mastercard Small Business Credit, Debit or Prepaid card (issued by a U.S. financial institution) to activate the mobile app.

Mastercard ID Theft Protection (IDT)

Program Description: Mastercard ID Theft Protection provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. This product offering prevents identity theft by monitoring the Internet, indexed and not, searching for compromised credentials and potentially damaging use of cardholders’ personal information in order to detect fraud at its inception.

Eligibility and Activation: All Mastercard Small Business cardholders in the US are eligible for this coverage.

Access: Simply contact (800) Mastercard if you believe you have been a victim of Identity Theft.

Services provided: Services provided are on a 24-hour basis, 365 days a year. In order to receive the following services, you must enroll at Mastercardus.idprotectiononline.com. The services include:

  • Online Monitoring Dashboard (requires activation): The online monitoring dashboard is the primary user interface for cardholders. It serves as a repository of all the personally identifiable information (PII) data the cardholder wants to monitor, tracks and displays cardholders’ risk score, and provides access to identity protection tips. It is also the platform for cardholders to respond to identity theft alerts.
  • Monthly Risk Alert / Newsletter: Cardholders will receive a monthly newsletter with information on the cardholder’s risk score, and articles pertaining to good identity theft practices.
  • Identity Monitoring: IDT searches the internet to detect compromised credentials and potentially damaging use of cardholders’ personal information, and alerts them via email so that they can take immediate action. This platform utilizes automated monitoring and human threat intelligence from cyber operations agents monitoring threat actors and their tactics on the deep and dark web where personal data is bought and sold. Data elements that can be monitored are:
    • Email addresses
    • Debit/credit cards
    • Bank Accounts
    • Web logins; username and password
    • Medical insurance cards
    • Drivers’ license
    • Loyalty cards
    • Affinity cards
    • Passport number
    • Vehicle Insurance cards
    • Social Security Number
    • Mastercard is offering cardholders the above-mentioned protections through Iris OnWatch, Generali Global Assistance’s proprietary internet surveillance technology that proactively detects the illegal trading and selling of personally identifiable information (PII) online. At any point in time, Iris is tracking thousands of websites and millions of data points, and alerting cardholders whose personal information they find has been compromised online. This information is being gathered in real-time so that Cardholders have the opportunity to react quickly and take the necessary steps to protect themselves.
  • Resolution Services: Cardholders will have access to a team of identity theft resolution specialists, available 24hours a day, 365 days a year to help resolve cardholders’ identity theft incidents and prevent further damage. The resolution specialists are native speakers of English, French and Spanish, and are based out of Bethesda, Maryland. Cardholders are given the option to give limited power of attorney (LPOA) to the specialist, to allow them to conduct resolution activities on the cardholders’ behalf, including contacting police, credit agencies, and other authorities, translating information, and closing and replacing breached accounts.
  • Lost Wallet Assistance: Cardholders will be provided assistance with notifying the appropriate issuing authorities to cancel and replace stolen or missing items, such as their debit/credit, Social Security card, and passport.
  • Emergency Cash Advance and Travel Arrangements: Cardholders are provided an emergency cash advance of up to $500 and assistance with making travel arrangements, including airline, hotel, and car rental reservations. This service is available when an ID theft event occurs more than 100 miles away from the cardholders’ primary place of residence.
  • Single Bureau Credit Monitoring: Cardholders’ TransUnion credit file will be monitored for changes that could indicate fraud such as new credit inquiries, an address change or new credit account(s) opened in their name. An alert notification via email will be sent anytime a hard inquiry is made on the cardholders’ TransUnion credit file so they can take immediate action to minimize damage.
  • Financial Account Takeover: IDT monitors cardholder’s high risk transactions with more than 300 of the nation’s largest companies to uncover and thwart account takeover attempts. Monitored transactions include:
    • Credit cards
    • Bank accounts
    • Brokerage accounts
    • Healthcare portals
    • Workplace intranets
    • Other services (e.g. peer-to-peer fund transfers)
    • An alert is sent to the cardholder if a series of knowledge based authentication questions are used to authenticate the account’s user. To take advantage of this service, the cardholder must enter the accounts they wish to protect on the dashboard.
  • URL and Domain Monitoring: IDT identity monitoring services are enhanced by adding URL and Domain monitoring to the existing list of monitored items. URL and Domain monitoring searches for cardholders’ business URL and domain within corporate data breaches, malicious third-party botnets, and criminal forums. For more information regarding the services stated above and additional information, please visit Mastercardus.idprotectiononline.com.
  • Charges: There is no charge for these services, they are provided by your Financial Institution. 
  • Services NOT provided:
    • When it is determined you have committed any dishonest, criminal, malicious or fraudulent act.
    • When your financial institution or card issuer which provides this Service, has investigated the event and deemed you are responsible for the charge or event.
    • When any theft or unauthorized use of an account by a person to whom the account has been entrusted has been committed.
  • Program provisions for Mastercard ID Theft Protection: This service applies only to you, the named Mastercard cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by the program. The provider, Generali Global Assistance, relies on the truth of statement made in the Affidavit or declaration from each cardholder. This service is provided to eligible Mastercard cardholders at no additional cost and is in effect for acts occurring while the program is in effect. The terms and conditions contained in this program guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the Provider non-renews or cancels any services provided to eligible Mastercard cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar coverage takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact (800) Mastercard

Mastercard Global Service

Mastercard Global Service provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else.

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call (800) Mastercard. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language.

You can call toll-free from over 75 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

Australia ..................(800) 120-113
Austria .....................+0 (800) 070-6138
France ......................+0 (800) 90-1387
Germany..................+0 (800) 819-1040
Hungary ...................+0 6800-12517
Ireland .......................(800) 55-7378
Italy..............................(800) 870-866
Mexico.......................+001 (800) 307-7309
Netherlands............+0 (800) 022-5821
Poland........................+00 (800) 111-1211
Portugal.....................(800) 8-11-272
Spain............................(900) 97-1231
United Kingdom....(800) 96-4767
Virgin Islands..........(800) 307-7309

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our Web site at Mastercard.com or call the United States collect at (636) 722-7111.

Account Information and Card Benefits

When in the United States, contact your card issuer directly for account information and (800) Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card issuer for account information or to access any of your card benefits.

ATM Locations

Call (800) 4CIRRUS: (800) 424-7787 to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our Web site at Mastercard.com to use our ATM locator. You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

MasterRental Insurance Coverage

Evidence of Coverage:

  • Pursuant to the below terms and conditions, when you rent a vehicle for thirty-one (31) consecutive days or less with your covered card, you are eligible for benefits under this coverage.
  • Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures.

A. To get coverage: The rental vehicle must be rented primarily for business purposes, and You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not considered rental charges) with your covered card and/or the accumulated points from your covered card at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card. 

You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company when coverage is secondary. You must rent the vehicle in your own name and sign the rental agreement. Your rental agreement must be for a rental period of no more than thirty-one (31) consecutive days. Rental periods that exceed or are intended to exceed thirty-one consecutive days are not covered. The rented vehicle must have a MSRP that does not exceed $50,000 USD

B. The kind of coverage you receive: We will pay for the following on a primary basis:

  • Physical damage and theft of the vehicle, not to exceed the limits outlined below.
  • Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss of use charges must be substantiated by a location and class specific fleet utilization log.
  • Towing charges to the nearest collision repair facility.
  • Theft or damage to personal effects in transit in the rental vehicle or in any building en route during a trip using the rental vehicle. You must first file under other applicable insurance (e.g., home or business), and then we’ll cover whatever is not covered by your insurance under our Secondary Personal Effects Insurance. Maximum coverage per rental period is $1,000 per covered person, per occurrence. The total benefits per rental period cannot exceed $2,000.
  • This coverage is not all-inclusive, which means it does not cover such things as personal injury or personal liability. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party.

C. Coordination of Benefits: When MasterRental is provided on a secondary basis and a covered loss has occurred the order in which benefits are determined is as follows:

  1. You or an authorized driver’s primary auto insurance;
  2. Collision/damage waiver provided to you by the rental agency;
  3. Any other collectible insurance;
  4. The coverage provided under this EOC.

If you or an authorized driver’s primary auto insurance or other coverage has made payments for a covered loss, we will cover your deductible and any other eligible amounts, described under the kind of coverage you receive, not covered by the other insurance. 

Note: In certain parts of the United States and Canada losses to rental vehicles that are covered by your personal vehicle insurance policy liability section may not be subject to a deductible, which means that you may not receive any benefits from this program. Contact your insurance provider for full coverage details pertaining to your personal vehicle liability insurance policy (or similar coverage).

  • If the vehicle is rented primarily for business purposes or outside the cardholder’s domiciled country, coverage is considered primary coverage.

D. Who is covered: The covered card cardholder and those designated in the rental agreement as authorized drivers. You, your associates, and immediate family are covered by Secondary Personal Effects Insurance subject to the limits expressed above.

E. Excluded rental vehicles:

  • Vehicles not required to be licensed.
  • All full-size vans mounted on truck chassis (including, but not limited to, Ford EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles.
  • Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
  • Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10)years), or limousines.
  • Any rental vehicle that has a MSRP that exceeds $50,000 USD.

F. Where you are covered: Coverage is not available in countries where:

  • This EOC or the group policy is prohibited by that country’s law; or
  • The terms of the EOC or group policy are in conflict with the laws of that country.

G. Coverage limitations: We will pay the lesser of the following:

  • Reasonable and customary charges of repair or the actual repair amount;
  • Wholesale market value less salvage and depreciation;
  • The rental agencies’ purchase invoice less salvage and depreciation;
  • The contractual liability assumed by you or an authorized driver of the rental vehicle;
  • The actual cash value; or
  • $50,000 USD.

In addition, coverage is limited to $500 USD per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. We will not pay for or duplicate the collision/damage waiver coverage offered by the rental agency.

H. What is NOT covered: 

  • Personal Effects Insurance does not cover animals, automobile equipment, motorcycles, boats, motors, sporting equipment, personal computers, household furniture, contact lenses, hearing aids, artificial teeth and limbs, currency, coins, deeds, bullion, stamps, securities, tickets, documents, perishables, delays, loss of market, or indirect or consequential losses or damages of any kind.
  • Vehicle keys or rental company portable Global Positioning Systems (GPS).
  • Vehicles not rented by the cardholder or authorized user on the covered card.
  • Any person not designated in the rental agreement as an authorized driver.
  • Any obligations you assume other than that what is specifically covered under rental agreement.
  • Any violation of the written terms and conditions of the rental agreement.
  • Any loss that occurs while driving under the influence of drugs or alcohol.
  • Any loss associated with racing or reckless driving.
  • Losses involving the theft of the rental vehicle when you or an authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to police and/ or rental agency, as a result of negligence. Loss of keys is considered negligence.
  • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
  • Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
  • Blowouts or tire/rim damage unless caused by theft, vandalism or vehicle collision.
  • Any damage that is of an intentional or non-accidental nature, caused by you or an authorized driver of the rental vehicle.
  • Depreciation, diminishment of value, administrative, storage, or other fees charged by the vehicle rental company.
  • Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of thirty-one (31) consecutive days from a rental agency. • Losses resulting from any kind of illegal activity.
  • Damage sustained on any road not regularly maintained by a municipal, state, or federal entity.
  • Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
  • Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
  • Theft of, or damage to, unlocked or unsecured vehicles.
  • Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
  • Rentals made on a monthly basis.
  • Items not installed by the original manufacturer.
  • Inherent damage.
  • Damage to windshields which is not the result of a collision or roll-over (damage to a windshield is covered if such damage is due to road debris or road hazard).
  • Leases or mini leases.
  • Indirect or direct damages resulting from a covered claim.
  • Charges for gasoline or airport fees.

In addition, We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit under the group policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, our parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.

I. How to file a claim:

  • Visit Mycardbenefits.com or call (800) Mastercard to open a claim. You must report the claim within sixty (60) days of the loss or the claim may not be honored.
  • You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact us or our designated representative for further details.
  • Submit the following documentation within one hundred and eighty (180) days of the incident or the claim may not be honored:
    • Receipt showing the vehicle rental charge.
    • Statement showing the vehicle rental charge.
    • The rental agreement (front and back).
    • Copy of Your valid driver’s license (front and back).
    • Copy of the declarations page of any primary vehicle insurance and other valid insurance or coverage if applicable.
    • Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in a collision that requires the vehicle; to be towed, in a multi-vehicle collision, or the vehicle is not drivable.
    • Police report detailing the theft of personal items.
    • Replacement receipt for personal effect items. o Itemized repair estimate from a factory registered collision repair facility.
    • Copy of the vehicle rental company promotion/discount, if applicable.
    • Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
    • Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

Account and Billing Information

Important: Contact your card-issuing financial institution directly for questions concerning your account, such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide. Your financial institution’s phone number should be available on your monthly billing statement or on the back of your card.

Reminder: Please refer to the Legal Disclosure section.

Legal Disclosure

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.

Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility).

The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC is governed by the Group Policy.

Effective date of benefits: Effective February 1, 2019, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.

Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to the cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States and the District of Columbia. No person or entity other than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.

Transfer of rights or benefits: No rights or benefits provided 
under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented any material facts concerning this coverage.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs. “Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.

Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.

In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.

Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.


This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.

To file a claim, call (800) Mastercard: (800) 627-8372, or en Español: (800) 633-4466. Visit our Web site at Mastercard.com.

©2019 Mastercard. SMLBUS_COMM_0319