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Trip Cancellation

As an international Visa cardholder with this benefit, you, your spouse and your dependent children under 23 years of age will be each insured automatically up to the benefit amount for travel and/or accommodation expenses for which you have paid in advance with your international Visa card and for which you are legally liable and which are not recoverable from any other source if an covered trip is cancelled between the date of payment of travel and/or accommodation expenses and the date of commencement of the covered trip, in the event of:

1) serious injury, serious illness, or unexpected death, of you, your traveling companion or immediate family member;
2) if your place of residence or business has been rendered uninhabitable for 10 days or less prior to your trip as a result of accidental damage; or
3) if your presence is being required by the police following burglary or attempt thereat at your place of residence or business.

A trip is considered insured if the full travel fare has been purchased with a valid and active international Visa card. Pre-existing conditions are not covered. Coverage is in excess of any other valid and collectible insurance.

Benefit amount
Visa Infinite Up to USD 3,000

If you need to submit a claim or have questions regarding this program, contact the Claims Administrator, 24 hours a day, 365 days a year at LACclaim@ap-visa.com or call the customer service telephone number on the back of your Visa card.


What do I need to be eligible?
You must possess a valid and active International Visa card and use it to purchase the entire travel fare(s).

Are frequent flyer and rewards tickets covered?
All frequent flyer, rewards and complimentary common carrier tickets are covered if there are taxes and/or fees associated with the ticket issuance and they are charged in their entirety to an eligible Visa card. If there are no taxes or fees, or they are paid with rewards points, only tickets earned as direct result of charges made with an eligible Visa card will be covered. The bank will have to send a letter to guarantee that the points acquired in the loyalty were generated by the use of the Visa card covered by the insurance.

Who is considered my traveling companions?
A traveling companion is a non-immediate family member who is booked to accompany you on the covered trip.

Who is considered part of my immediate family?
Your legal spouse, children, children-in-law, siblings, siblings-in-law, parents, parents-in-law, grandparents, grandchildren, legal guardian, ward, step or adopted children, step-parents, aunts, uncles, nieces, and nephews, who reside in your home country of residence.

What is considered serious injury or sickness?
You will be covered for injury or sickness, which first manifests itself or is contracted between the date of payment of travel and/or accommodation expenses and the date of commencement of the covered trip, and is certified as
being dangerous to life by a legally qualified medical practitioner and requires the treatment of a physician.

What is considered a pre-existing condition?
Pre-existing condition for an injury means a condition for which medical care, treatment, or advice was recommended by or received from a physician or which was first manifested or contacted preceding the effective date of coverage. Preexisting condition for a sickness means a condition occurring during the ninety (90) day period prior to and including the individual effective date of insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care, or treatment. A condition that is controlled (not exhibiting symptoms or requiring an adjustment of treatment or medication) throughout the ninety (90) day period by the taking of prescription drugs or medications and travel restrictions are not advised by a licensed physician, then the medical condition will not be considered a pre-existing condition

What is not covered?
1. Claims arising from:
-- The default of any: a) provider of transport; b) agent of such provider; c) agent acting for the policyholder or an Insured;
-- Regulations made by any government or public authority;
-- Strikes or labor disputes which existed or of which advance warning had been given prior to the date on which an covered trip was booked;
-- Delay due to the withdrawal from service temporarily or permanently of any common carrier on the orders or recommendations of any port authority or the aviation agency or any similar body in any country;
-- Depression or anxiety, mental or nervous disorder, alcohol or drug abuse addiction or overdose;
-- Elective cosmetic or plastic surgery, except as a result of an accident;
-- Pregnancy and all related conditions;
-- Any pre-existing condition.

2. Either directly or indirectly any injury, illness, death, loss or expense attributable to HIV (Human Immunodeficiency Virus) and / or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused.

3. Is directly caused by or directly results from:
-- Any business or financial contractual obligations of the insured person, or his/her traveling companion or immediate family member
-- Change of plans or disinclination of the insured person, or his/her traveling companion or immediate family member to travel on the particular covered trip

This is a summary of the exclusions. Complete exclusions are contained in the
policy on file with Visa.


How is the claim submitted?
The cardholder or beneficiary has two options to open a claim:
1. Benefits Portal
The cardholder may access the Visa Benefits’ Portal thought the link www.visa.com/benefitsportal
a. Once in the landing page of the Benefits’ Portal, please click on “Login” or “Enroll”
b. Click on “Claims”
c. Click on “Create Claim”
d. Choose a Product from the drop down menu
e. Choose the benefit you need to file a Claim for and agree to all terms and conditions
f. Complete all requested information and click on “Save”. This step creates the claim case number.
g. Attach all required documents
h. Click on “Submit”

2. Visa Customer Service Center
a. Please contact the Visa Customer Service Center
b. The cardholder will receive an initial package containing the claim form and the list of documents that are needed for each claim
c. All required documents, including the claim form, must be sent electronically to lacclaim@ap visa.com
d. If the cardholder prefers to send all required documents via regular mail:
Claims Administrator
Visa Card Benefits Administration
Maipú 255, Piso 17
C1084ABE, Buenos Aires, Argentina

Claims Documentation
• Statements from attending physician and other medical records which confirm the serious injury, serious sickness or unexpected death to you, your immediate family member or traveling companion.
• In case of serious injury, serious sickness or unexpected death to a traveling companion, copies of travel tickets and hotel accommodations are required to evidence companion travel.
• Substantiation of non-recoverable, pre-paid, covered trip related travel/ accommodation expenses charged to your valid international visa card.
• Original common carrier ticket
• Documentation substantiating; (a) burglary or attempt thereat of your place of residence or business or (b) your presence is required following burglary or attempted threat at your place of residence or business.

General program provisions
Although the provider will not unreasonably apply this provision to avoid claims, the cardholder is expected to be conscientious and reasonable in a sincere effort to avoid or diminish any loss that is protected by this program.

If you make any claim knowing it to be false or fraudulent in any respect, you will no longer be entitled to the benefits of this protection, nor to the payment of any claim made under this policy.

If you need to submit a claim or have questions regarding this program, contact the Claims Administrator, 24 hours a day, 365 days a year at LACclaim@ap-visa.com or call the customer service telephone number on the back of your Visa card.
 

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