FDR 1066034

Additional Card Benefits

CD 27275

Page 1 of 9

Welcome to Baggage Assistance

At American Express we understand that peace

of mind is key when you travel. That's why we have

partnered with AXA Assistance to provide you with

Baggage Assistance, with benefits and coverage that

accompany you and your Additional Card Members

luggage and keep you posted on the progress of the

search. Should Baggage Assistance not be able to

recover your luggage, you will be reimbursed for the

amount not covered by the airline up to a maximum

of US$1,200 per trip. Claims forms and required

documentation must be received by AXA Assistance

USA no later than 90 days from the date the incident

took place. Claims received after 90 days shall not

be honored.

General Conditions Baggage Assistance

the Latin American and Caribbean region in order to

be eligible for the services described herein. Anguilla,

Antigua, Argentina, Aruba, Bahamas, Barbados,

Belize, Bermuda, Bolivia, Bonaire, Brazil, Cayman

Islands, Chile, Colombia, Costa Rica, Curacao,

Dominican Republic, Ecuador, El Salvador, Grenada,

Guadeloupe, Guatemala, Guyana, Haiti, Honduras,

Jamaica, Martinique, Mexico, Nicaragua, Panama,

Paraguay, Peru, St. Barths, St. Croix ,

St. Kitts, St. Lucia, St.Maarten, St. Thomas, St.

be prior or equal to the beginning date of any trip.

4. Area of Coverage: AXA Assistance's services

are available worldwide, with the exception of those

countries and territories which may be involved in an

international or internal conflict or in those countries

and territories where the existing infrastructure is

deemed inadequate by AXA Assistance to guarantee

service. The Beneficiary should contact AXA

Assistance prior to embarking on a covered trip to

confirm whether or not services are available at his/

luggage and to update the Beneficiary.

2. Lost Baggage: In the event that the

Beneficiary's checked baggage is lost by a common

carrier and AXA Assistance is not able to recover

it, AXA Assistance will proceed to reimburse the

Beneficiary provided that the following conditions are

met:

a. That the baggage has been lost by a common

air carrier or cruise line during an international trip.

b. Coverage applies to total loss of luggage, and to

baggage check number. AXA Assistance will verify

validity of all documentation to determine if coverage

applies.

d. That an initial claim has been filed with the

common carrier and AXA Assistance's coverage is in

excess or secondary to the reimbursement provided

by the carrier.

e. That the baggage was lost from the time it

was formally entrusted to the commercial carrier

for transport to the moment the Beneficiary went to

In case you need assistance, please call:

1-800-794-2914 or 1-312-935-9205 (collect).

American Express Car Rental

Loss and Damage Insurance

Plan

Underwritten by:

Indemnity Insurance Company of North America

Master Policy holder: American Express Travel

Related Services Company, Inc. Policy N°

58US3775

below) to charge and pay for an auto rental from

any Commercial Car Rental Company ("Rental

Company") other than those located in Australia,

Ireland, Israel, Italy, Jamaica, and New Zealand.

Additionally no cover is provided for auto rental for a

Cardmember within the same country as their billing

address.

Who Is Eligible for Coverage

You are eligible for coverage if you are an

American Express International Dollar Cardmember.

Coverage for theft of or damage to a Rental Auto is

activated when the Cardmember:

1. presents his or her eligible Card to the Rental

Company to reserve the Rental Auto, by making a

reservation; or by placing a hold or deposit at the

time the Rental Auto is checked out; 2. declines

the full Collision Damage Waiver or similar option

(CDW), or pays for a partial collision damage

waiver, offered by the Rental Company; 3. is the

primary renter, which is defined as the Cardmember,

auto rental from the Rental Company at the time of

Cardmember entering into the rental transaction.

Note: Benefits will not be paid if, on the date of

loss or on the date of claim filing, any amount due

on your American Express International Dollar Card

When Coverage Terminates

Coverage for theft of or damage to the Rental Auto

terminates when:

1.

2.

FDR 1066034 Page 2 of 9

What EXCESS Coverage Means

6.

7.

Note: Passenger Mini-Vans (Not Cargo Mini-

Vans) with factory specified seating capacity of 8

passengers or less, including but not limited to,

Dodge Caravan, Plymouth Voyager, Ford Windstar

and Nissan Quest, are covered when rented for

personal or business use only.

LX450, Range Rover or full-sized Ford Bronco; 11.

sport/utility vehicles when driven "off-road"; and

Note: Compact sport/utility vehicles, including but

not limited to Ford Explorer, Jeep Grand Cherokee,

Nissan Pathfinder, Toyota Four Runner, Chevrolet

Blazer and Isuzu Trooper and Rodeo are covered

when driven on paved roads.

12.

2.

3.

4.

7.

8.

9.

10.

11.

Car Rental Loss and Damage Insurance does not

cover, and benefits will not be paid for:

1.

2.

3.

6.

7.

8.

How to File a Claim

and Damage Claims Unit toll free at 1-877-581-8117

Complete and sign the claim form. Written proof of

loss, which includes the claim form and all other

requested documentation (listed below), must be

received within 60 days following the date of the

damage or theft by Email at amexcrldp@ufac-

documentation is not received within 60 days of the

date of loss, coverage may be denied.

Required documentation may consist of, but is not

limited to:

1.

2.

4.

5.

6.

10.

11.

Cardmember cooperation with issues related to

All Car Rental Loss and Damage Insurance

payments reimbursable under the policy are payable

to the Cardmember; except that payment may be

made, at the discretion of the Insurer, jointly to

the Cardmember and the Commercial Car Rental

Company when the Car Rental Company has not

been reimbursed for the covered loss or damage,

or the Cardmember has not validly assigned his/her

payments to the Rental Company or any other party.

Rights of Recovery

Insurer exercise those rights and do nothing after

loss to harm the Insurer's rights.

When a Cardmember or Commercial Car Rental

Company has been paid damages under Policy,

No. BDA101, and also recovers from another, the

amount recovered from the other shall be held

by that Cardmember or Commercial Car Rental

Company in trust for the Insurer and reimbursed to

the extent of the Insurer's payment.

As a condition precedent to coverage, the

FDR 1066034 Page 3 of 9

the U.S. Virgin Islands and Puerto Rico) coverage

document. Please keep it in a safe place. Although it

describes the present form of insurance as it exists

at the time of printing, this document is not the Policy

or contract of insurance. The benefits described

in this document are subject to all of the terms,

independently of all other causes, to such

accidental bodily injury.

Loss as used above with reference to hand or foot

means complete and permanent severance through

or above the wrist or ankle joint, and as used with

reference to eye means the irrecoverable loss of the

entire sight of such eye.

passengers for hire (including taxis).

A trip is a Covered Trip if:

1. it is a trip taken by the Covered Person between

the Point of Departure and the Final Destination as

shown on the Covered Person's ticket; and 2. the

Covered Person's entire fare for such trip has been

charged to the American Express International Dollar

Card prior to any injury.

Additional Benefits

1. Airport Transportation Benefit: If a Scheduled

Conveyance, but only:

a. when going directly to an airport for the purpose

of boarding an aircraft for a Covered Trip; or

b. when leaving directly from an airport after

alighting from an aircraft from a Covered Trip.

Scheduled Airline means an airline listed in the

Official Airline Guide or ABC World Airways Guide

where the air carrier holds a certificate, license or

similar authorization for Scheduled air transportation

issued by the relevant authorities in the Country in

to boarding, this Benefit is payable if the Covered

Person sustains any injury while upon any airport

premises designated for passenger use, but only

when the Covered Person is upon such premises

immediately before boarding, or immediately after

alighting from, an aircraft from a Covered Trip.

Exposure and Disappearance

If the Covered Person is unavoidably exposed to

the elements because of an accident on a Covered

Trip which results in disappearance, sinking or

results in the disappearance, sinking or wrecking of

a Common Carrier Conveyance, and if the Covered

Person's body has not been found within 52 weeks

after the date of such accident, it will be presumed,

subject to there being no evidence to the contrary,

that the Covered Person suffered Loss of Life as a

result of injury covered by the Policy.

Coverage Requirements

A Covered Person will be fully insured for benefits

under the Policy while taking a trip on a Common

On-Board Ticketing

In the event of a Covered Person suffers a

Loss on-board a Scheduled Airline flight for which the

airline sells tickets onboard the flight and the Covered

Person has not purchased his or her ticket by

changing the ticket to an American Express Card

prior to boarding the flight, then the Company will

evaluate and pay such Loss where it can be

established that no other form of payment was used

for the flight in question.

However, a flight is not a Covered Trip under a

Business Travel Account prior to the flight.

The Policy does not cover any Loss caused or

contributed to by (1) suicide or self-destruction

or any attempt threat; (2) war or any act of war

whether declared or undeclared; (3) injury to which a

contributory cause was the commission of or attempt

to commit, an illegal act by or on behalf of the

Covered Person or his or her beneficiaries; (4) injury

received while serving as an operator or crew

member of any conveyance.

Claims

reasonably possible. Benefits will be payable upon

receipt of due written proof, as required by the

Company, of a legitimate covered Loss.

Payment of Claims

Benefits will be paid to the surviving person or

equally to the beneficiaries in the first of the following

classes of successive preference beneficiaries in

which there is a living member:

1

. the Covered Person'

s spouse; 2. his or her

described above. Payment based upon any such

affidavit shall fully discharge the Company from all

obligations under the Policy. Any amount payable to

a minor may be paid to the minor's legal guardian.

Benefits for all other Losses sustained by a Covered

Person will be paid to the Covered Person, if living,

otherwise to the beneficiaries.

The beneficiaries described herein are subject to

all of the terms and conditions of the Policy which

is held by American Express. This Description of

FDR 1066034 Page 4 of 9

500 San Juan, Puerto Rico 00920-2707 Master

Policy holder: American Express Travel Related

Services Company, Inc. Policy N° 58US3763

DESCRIPTION OF COVERAGE

Extended Warranty will extend the terms of the

Original Warranty for a period of time equal to the

duration of the Original Warranty, up to one (1)

additional year on warranties of five (5) years or

less that are eligible in a Covered Territory (see

Description of Benefits Section). The coverage

shall include the plural, the plural shall include the

singular, as the context requires.

Account means Your American Express

International Dollar Card (IDC) American Express®

Cardmember means any individual who has been

issued an American Express IDC Rewards Card

Account.

Company means Indemnity Insurance Company of

North America and its duly authorized agents.

applicable within a Covered Territory to the Covered

Policy means the Group Insurance Master Policy

issued to American Express Travel Related Services

Company, Inc.

additional year, We will provide a benefit equal to

the coverage of the Original Warranty on warranties

of up to five (5) years. We will pay up to the actual

amount charged to Your Account for the Covered

Product for which a Loss is claimed, but not to

exceed $1,000. If the Covered Product also is

covered by a purchased service contract, this Plan's

extended warranty time period begins at the end

(including, but not limited to, batteries, carburetors,

permanent additions or fixtures to a residential or

commercial building;

5. business fixtures, including, but not limited to, air

conditioners, refrigerators, heaters;

6. land or buildings;

have had as part of a set or collection;

10. items still under installment billing; and

11. additional service contract or extended warranty

coverage for a computer, computer component

or part that You buy which already comes with an

Original Warranty, unless such coverage is provided

and administered by the original manufacturer.

12. items purchased for resale, professional, or

make a determination as to whether the claim may

FDR 1066034 Page 5 of 9

be paid. You must provide Us with satisfactory Proof

not consider that We have received complete Proof

of Loss until the information We have requested is

received.

Proof of Loss may require documentation consisting

substantiated in the manner required by Us.

If all required documentation is not received within

one (1) year after the date of the Loss (except for

documentation which has not been furnished for

reasons beyond Your control), coverage may be

denied. It is Your responsibility to provide all required

documentation We request.

any of its terms. This Description of Coverage may

Excess Coverage

If any Loss under this Policy is insured under any

other valid and collectible policy, then this Policy

shall cover such Loss, subject to its exclusions,

is determined to be fraudulent or if any fraudulent

means or devices are used by You or by anyone

acting on Your behalf to obtain benefits, all benefits

will be forfeited.

We do not provide coverage to a Cardmember who,

whether before or after a Loss, has:

1. concealed or misrepresented any fact upon which

Termination or cancellation of coverage will not

any reason including but not necessarily limited to

non-payment of premiums due to the Company by

the Master Policyholder. The Cardmember has the

right to know and/or request the grounds on which

the Policy is cancelled. To that effect, the Company

Master Policyholder Cancellation

The Master Policyholder may cancel the Master

Policy by giving the Company written notice of what

future date the Master Policy shall be cancelled. The

Master Policyholder must notify Cardmembers of the

date their coverage is cancelled or replaced. The

Master Policyholder must provide to the Company

FDR 1066034 Page 6 of 9

Description of Coverage

reimbursed only for the amount charged to Your

3. the cost of which has been charged to an

American Express American Express® Gold Card

(including through the redemption of American

Express Membership Rewards® points); and

5. Is not specified under Section - Purchases Not

Covered.

Covered Territory means the 50 States of the

United States of America, District of Columbia,

Commonwealth of Puerto Rico and the Virgin Islands

purchase, if a Covered Incident occurs with respect

service charges or any product rebates, discounts

or money received from lowest price comparison

programs that reduced the original cost of the

property.

EXCLUSIONS

Benefits are not payable if the loss for which

coverage is sought was directly or indirectly, wholly

or partially, contributed to or caused by:

1. Intentional damage to the covered item;

2. war or any act of war, whether declared or

7. stolen or damaged property consisting of articles

they may have had as part of a set or collection;

8. items purchased for resale, professional, or

commercial use;

9. permanent household and/or business fixtures,

including, but not limited to, carpeting, flooring and/

If You experience a loss for which You believe a

both Notice of Claim and Proof of Loss.

To insure prompt processing of Your claim, report

date of the Covered Incident, including for gifts

purchased with the Card. Retain Your receipts and

Unit, P.O. Box 191249, San Juan PR, 00919-1249

within thirty (30) days of the Covered Incident

Loss. Or you may also Email Us anytime at

by calling 1-305-670-1974 from Monday through

Friday 8:30 a.m. - 6:00 p.m. AST.

Failure to provide Notice of Claim within thirty (30)

days will not invalidate a claim or reduce any benefit

payment that may be found to be eligible, if it can be

shown that it was provided as soon as reasonably

if benefits are payable.

Proof of Loss

Proof of Loss requires You to send Us all the

information We request, at Your expense, in order

that Your claim may be evaluated and that We may

make a determination as to whether the claim may be

Loss within one (1) year from the date of the Covered

necessary to determine that Your claim

We have requested is received.

of, but not necessarily limited to, the following:

FDR 1066034 Page 7 of 9

before You call to file a claim under Purchase

If all required documentation is not received within

one (1) year of the date of the Covered Incident

(except for documentation which has not been

furnished for reasons beyond Your control), coverage

date of Our request to remain eligible for coverage.

Payment of Claim

A claim for benefits provided by this Plan will be

paid upon Our receipt and review of Your complete

Proof of Loss documentation and Our determination

that a claim is payable according to the terms of

the Plan. Any payment made by Us in good faith

Fraud

will be forfeited.

We do not provide coverage to a Cardmember who,

whether before or after a loss, has:

1. concealed or misrepresented any fact upon which

this Plan until sixty (60) days after Proof of Loss has

been received by Us. No such action may be brought

after one (1) year from the Covered Incident.

Right of Recovery

If We make a payment to You under this Plan and

You recover an amount from another, equal to or

less than Our payment, You shall hold in trust for Us

future date the Master Policy shall be cancelled. The

thirty (30) days written notice actually delivered or

mailed by certified mail, prior to the date cancellation

is effective, indicating in such notice the reason for

cancellation.

YOU

For those eligible and enrolled in the Membership

Rewards® program, benefits are also paid when

the purchased property is received through the

redemption of a Membership Rewards redemption

certificate. Payment or credit will not exceed the

original assigned value of the property received

through redemption of a .Membership Rewards

500 San Juan, Puerto Rico 00920-2707 Master

Policy holder: American Express Travel Related

Services Company, Inc. Policy N° 58US3765

Description of Coverage

The Travel Inconvenience Insurance Plan provides

benefits in the event of: Missed Departures

and Missed Connections; delay, cancellation

or overbooked flights; and Luggage Delay and

Extended Luggage Delay when the Covered

Trip is purchased and charged to your American

meanings. Wherever used herein, the singular

shall include the plural, the plural shall include the

singular, as the context requires.

Account means your American Express

International Dollar Card (IDC) Rewards Gold

Account.

Basic Cardmember means any individual who has

been issued an American Express IDC American

Express® Gold Card and who has an American

Express Card Account.

Page 8 of 9

father-in-law; daughter; daughter-in-law; son; son-

Company means Indemnity Insurance Company of

substantiated by an official document.

Covered Flight means a flight which commences

Covered Person is booked to travel, where the fare

authorities for scheduled transportation. Flight does

Cardmembers and their Families.

Covered Transport means a flight, train or ship

journey which commences while the Master Policy

is in force, on which a Covered Person is booked

to travel, where the fare has been charged to an

American Express Card Account in advance of the

commence and end in the Covered Person's

Country of Residence or a journey within the

Covered Person's Country of Residence, which

must include a flight, or at least one night pre-booked

accommodation away from home, provided that such

costs were charged to the American Express IDC

not exceed 120 consecutive days with a maximum of

240 days during each 12 month period.

Delayed Departure and Cancellation means the

Extended Luggage Delay means that the Covered

Person's accompanied checked-in luggage is

not delivered within twenty-four (24) hours of the

Covered Flight's arrival at its destination point.

Families means the Covered Person's partner/

spouse, married or unmarried, living at the same

address as the Covered Person and children

under 25 who are legally dependent on the Covered

Person including step-children, fostered or adopted

children.

to check in for travel on Covered Transport,

within the published checked-in times and has

FDR 1066034

been involuntarily denied boarding as a result of

within six (6) hours of the Covered Flight arrival at

alternative onward transportation is made available

to the Covered Person within four (4) hours of

the actual arrival time of the incoming Covered

Transport.

Missed Departure means the Covered Persons

arriving at the airport, seaport or international rail

Supplementary Cardmember means any individual

who has received an American Express IDC

Basic Cardmember for use in connection with the

Basic Cardmember's American Express Card

Account.

We, us, our, mean the Company. You, your means

the Cardmember.

DESCRIPTION OF BENEFITS

missed at the transfer point due to the late arrival

to him or her within four (4) hours of the Covered

Person's arrival at the scheduled destination point

Express IDC American Express® Gold Card charges

incurred at such scheduled destination in respect of

twenty-four (24) hours of the Covered Person's

arrival at the scheduled destination point of his or

her Covered Flight the Company will indemnify the

Covered Person for American Express IDC

American Express® Gold Card charges incurred at

his or her arrival at such scheduled destination in

clothing and requisites for the Covered Person that

The above benefits apply in respect of Covered

Persons who are Basic or Additional Cardmembers

FDR 1066034 Page 9 of 9

Notice of Claim

providing You with instructions and with documents,

which You must complete and return to Us. You

are required to cooperate with Us and provide

documentation as requested by Us which is required

benefits are payable.

that Your claim is payable, and We will not consider

of, but not necessarily limited to, the following:

1. A Travel Inconvenience Insurance Plan Claim

2. The American Express charge receipt for the

Payment of Claim

to this or any other provision of this Plan will fully

discharge Us to the extent of such payment. Benefits

payable under this insurance in respect of valid

TERMINATION OR CANCELLATION

Coverage will cease on the earliest of the following:

Your behalf intentionally misrepresented or fraud

occurred;

2. the date the Policy or any benefit under the Policy

is cancelled;

3. the date You terminate Your Account and are no

longer a Cardmember or Your Account is cancelled

by American Express;

4. the date Your Account ceases to remain Current

America may change or waive the provisions of the

A copy of the Policy will be maintained and kept by

the Master Policyholder and may be examined at any

time.

Excess Coverage

the Company of this policy and assist it in seeking

reimbursement where appropriate. Interest will only

be paid on claims if payment has been unreasonably

delayed following the Company's receipt of all the

required information.

Fraud

If any request for benefits made under the Plan

is determined to be fraudulent or if any fraudulent