within ninety (90) days of purchase, you may be eligible for
benets under this coverage.
Refer to Key Terms for the denitions of you, your, we, us, our,
and words that appear in bold and Legal Disclosures.
A. To get coverage:
• You must purchase the new item entirely with your covered
card and/or accumulated points from your covered card for
yourself or to give as a gift.
B. The kind of coverage you receive:
• Most items you purchase entirely with your covered card are
covered if damaged or stolen for ninety (90) days from the
date of purchase as indicated on your covered card’s receipt.
• Items you purchase with your covered card and give as gifts
also are covered.
• This coverage is secondary to any other applicable insurance
or coverage available to you or the gift recipient. Coverage
is limited to only those amounts not covered by any other
insurance or coverage benet.
C. Coverage limitations:
• Coverage is limited to the lesser of the following:
• The actual cost of the item (excluding delivery and
transportation costs).
• A maximum of $1,000 per loss and a total of $25,000 per
cardholder account per twelve (12) month period.
• Purchases that are made up of a pair or set will be limited
to the cost of repair or replacement of the specic item
stolen or damaged. If the specic item cannot be replaced
individually or repaired, the value of the pair or set will be
covered not to exceed the limits above.
• Coverage for stolen or damaged jewelry or ne art will be
limited to the actual purchase price as listed on your credit
card statement, regardless of sentimental or appreciated
market value.
D. What is NOT covered:
• Items left in public sight, out of arm’s reach, lacking care,
custody or control by the cardholder.
• Lost items, and items that mysteriously disappear (the only
proof of loss is unexplained or there is no physical evidence to
show what happened to the item) without any evidence of a
wrongful act.
• Items that are stolen from any location or place (including,
but not limited to, exercise facilities, places of employment,
schools, or places of worship) due to the lack of due diligence
by you or another party.
• Items lost, stolen, damaged, or mis-delivered while under
the care, custody, and control of another party or common
carrier (including, but not limited to, airlines, the U.S. Postal
Service, UPS, FedEx, or other delivery services).
• Losses due to normal wear and tear, misuse, gradual
deterioration, and/or abuse.
• Losses resulting from any dishonest, fraudulent, or criminal
act committed or arranged by you.
• Losses that cannot be veried or substantiated.
• Items covered by a manufacturer’s recall or class action suit.
• Items that you damage through alteration (including, but
not limited to, cutting, sawing, shaping).
• Used or antique items; collectibles of any kind (such as items
designed for people to collect or items that over time become
collectibles); recycled, previously owned, refurbished, rebuilt,
or remanufactured items.
• Stolen items without a documented report from the police.
• Items that are damaged during transport via any mode.
• Items stolen from the interior or exterior of a watercraft/
boat, aircraft, motorcycle, automobile or any other motor
vehicles.
• Motorized vehicles, including, but not limited to, automobiles,
watercraft/boats, aircraft, and motorcycles, or their motors,
equipment, or accessories. Motorized equipment not
designed for transportation and used solely for the upkeep
and maintenance of a residence is eligible for coverage.
(including, but not limited to, snow thrower, lawn mowers,
and hedge trimmers).
• Land, any buildings (including, but not limited to, homes
and dwellings), permanently installed items, xtures, or
structures.
• Traveler’s checks, tickets of any kind (e.g., for airlines,
sporting events, concerts, or lottery), negotiable instruments,
bullion, rare, or precious metals, stamps, and coins, currency
or its equivalent.
• Losses caused by insects, animals, or pets.
• Plants, shrubs, animals, pets, consumables, and perishables.
• Items purchased for resale, rental, professional, or
commercial use.
• Professional services (including, but not limited to, the
performance or rendering of labor or maintenance; repair
or installation of products, goods, or property; professional
advice of any kind, including, but not limited to, information/
services or advice secured from any help or support line;
or technical support for software, hardware, or any other
peripherals).
• Application programs, computer programs, operating
software, and other software.
• Losses resulting from war or hostilities of any kind (including,
but not limited to, invasion, terrorism, rebellion, insurrection,
riot, or civil commotion); conscation or damage by any
government, public authority, or customs ocial; risks of
contraband; illegal activity or acts.
• Losses caused by power surge, contamination by radioactive
or hazardous substances, including mold.
• Direct or indirect loss resulting from any Acts of God
(including, but not limited to, ood, hurricane, lightning, and
earthquake).
• Losses caused by liquids, uids, oils, chemicals, or bodily
uids/excretions.
• Game animals, pets, or specimens preserved for display (e.g.,
sh, birds, reptiles, or mammals).
• Items stolen or damaged at a new home construction site.
• Rented, leased, or borrowed items for which you will be held
responsible.
• Trip, service, or diagnostic charges in the absence of any
covered repairs or veried failure.