Product Protection

CONSUMER PROTECTION
> 90-Day Product Protection
> Extended Warranty
> Price Guarantee

FINANCIAL SECURITY
> Identity Theft Victim
Assistance
> $1,000 Identity Theft
Reimbursement Insurance
> Payment Card Registration

PERSONAL CONVENIENCE
> Personal Shopper
> Concierge Services
> Family Medical
Information Card

TRAVEL SERVICES
> Travel Reservation Service

90-Day Product Protection

Peace of mind is priceless! Now your purchases are protected. Simply use your card to make a retail purchase and we'll cover it against loss, theft, or damage within 90 days of the purchase. Claims are easily and conveniently filed by calling a toll-free number within 45 days of the incident.

What items qualify?
Virtually all new, non-commercial, retail items purchased in full with your card qualify for coverage. Please see Program Exclusions* for a full list of what is not covered under the program.

Do I have to register purchases?
No. You are automatically enrolled whenever your card is used for qualifying purchases. No registration forms are necessary.

How do I claim lost, stolen, or damaged items?
To file a claim, follow these simple steps:

Report the incident by calling toll free, (800) 937–4639, within 45 days of the loss or damage. Our customer service representatives will send you a Loss/Damage Form.
Complete and return the form within 90 days of the loss or damage, along with the requested documentation such as the card receipt indicating the entire purchase was made with an eligible account, your itemized sales receipt, and applicable police and insurance reports.
If additional information is requested, provide it within six months of the date of loss.

How do damaged items get repaired or replaced?
If an item is repairable, you may be referred to an authorized service center. We reserve the right to replace the item, or substitute a cash payment, not to exceed the total original purchase price of the item as recorded on the receipt.

If a claim is settled by cash or replacement, the damaged item becomes the property of 90-Day Product Protection. You may be asked to send the damaged item (at your expense) to an address that we designate.

Do I need to file with my own insurance company?
Yes. This program pays in excess of all other applicable coverage. Your insurance company must verify in writing whether the item is covered under the member’s insurance policy. The same applies to any other warranties, indemnity policies, or other coverages. If the item is covered your expenses not covered by insurance, such as insurance deductibles up to the original purchase price of the item will be paid. All insurance and/or applicable policies must be exhausted before a claim may be honored.

Is there a limit to the number of claims I can file?
No. There is no limit to the number of claims you can file. However, each claim is subject to a $1,000 payment limit per occurrence and each account has a $50,000 annual payment limit.

Are the Programs fully insured?
The program is fully insured by a Master Policy issued by Virginia Surety Company. Virginia Surety is rated “A+” Superior by A.M. Best and Company and has assets in excess of $900 million. Additionally, the combined assets of Aon back Virginia Surety, which exceed $18 billion. A fully insured program provides you and your program members with the financial security essential to long term customer satisfaction.

*Program Exclusions
There is no coverage for theft from motorized vehicles or loss/damage occurring while the item is consigned to a third party.

There is no coverage for losses resulting from fraud, abuse, neglect, misapplication of the consumer product, normal wear and tear, intentional acts of a Covered Person, war or hostilities or any kind, including invasion, rebellion or insurrection, confiscation by order of any government, public authority or customs official, risks of contraband, losses arising from illegal activity or acts, radioactive contamination, flood, earthquake, mysterious disappearance, incidental and consequential damages, and inherent product defects.

Additionally, services, travelers’ checks, art objects, cash or its equivalent, tickets of any kind, negotiable instruments, bullion, rare or precious coins, stamps, antiques and collectible items, animals and living plants, dwellings, permanent fixtures, consumable and perishable items (including but not limited to food or fuel), items used for business or commercial purposes, and all vehicles except non-motorized cycles, and custom dental appliances are not covered.