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MasterTravel Insurance

The MasterTravel Insurance is offered on both the First Citizens Vacation Lifestyle MasterCard and the First Citizens Vacation Lifestyle Gold MasterCard products.

MasterCard cardholders, their Spouse, and dependent Children can benefit from valuable Common Carrier travel accident insurance coverage offered through MasterTravel.

Who Is Covered:
MasterCard cardholders, the cardholder’s Spouse and dependent Children, whether traveling together or separately.

To Get Coverage:
Coverage is provided automatically when the entire cost of the Common Carrier passenger fare has been charged to your MasterCard credit card.

The Kind of Coverage You Receive:

  • MasterTravel provides Common Carrier Travel Accident Insurance coverage against Accidental Death, Dismemberment (including loss of sight, speech & hearing) or Paralysis, while traveling on a Common Carrier if tickets are purchased with your card.
  • The maximum Principal Benefit provided for Covered Trips on a Common Carrier is up to USD† 75,000 per person for the Vacation Lifestyle MasterCard and up to USD250,000 for the Vacation Lifestyle Gold MasterCard.
  • A trip commences when the Insured Person boards a Common Carrier for the purpose of going on such trip and continues until such time as the Insured Person alights (departs) from the Common Carrier.


What Are the Benefits—Common Carrier Travel Accident:

  • Coverage is provided for accidental death, Paralysis and dismemberment(s) including loss of sight, speech, hearing; while riding as a passenger in or on, boarding or alighting from a Common Carrier.
  • The maximum Principal Benefit amount provided is USD† 75,000 per person for the Vacation Lifestyle MasterCard and up to USD250,000 for the Vacation Lifestyle Gold MasterCard.
  • In the event of an accidental death while on a Covered Trip, you and your eligible family members can receive the maximum Principal Benefit amount.


Benefits are provided as a percentage of the maximum Principal Benefit amount per the following Schedule of Losses:

For Loss of: Percentage of the Principal Benefit:

Life - 100%
Two Members - 100%
One Member - 50%
Thumb and Index Finger of Same Hand - 50%
Quadriplegia - 100%
Paraplegia - 75%
Hemiplegia - 50%
Uniplegia - 25%


Coverage Conditions/Limitations:

  • A covered Loss must occur within 365 days of the date of the Accident.
  • In the event that you have multiple Losses due to the same Accident, only one (1) payment, the largest, will be paid.
  • Coverage extends to Exposure and Disappearance.
  • Loss caused by or resulting from Acts of Terrorism (defined herein) are not excluded.

What Is NOT Covered by MasterTravel (Exclusions):

MasterTravel does not cover any loss, fatal or non-fatal, caused by or resulting from:

  • Suicide, attempted suicide or intentionally self-inflicted Injury while sane or insane;
  • Loss caused directly or indirectly, wholly or partly by medical or surgical treatment except as may be necessary solely as a result of Injury;
  • Participation in any professional, semi-professional or interscholastic team;
  • Being under the influence of drugs, alcohol or other intoxicants while driving a vehicle, unless prescribed by a Physician and taken as prescribed;
  • Participation in an actual felony;
  • Participation in skydiving/parachuting, hang gliding, bungee jumping, mountain climbing (this does not include regular recreational hiking or similar activity), pot-holing; or participation in contests of speed using a motorized vehicle;
  • War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power;
  • Participation in the military, naval or air service of any country;
  • Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft;
  • The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal, release or application of pathogenic or poisonous biological or chemical materials.
  • Classic Credit Card “Shopping”
  • Card Safety Tips
  • E first
  • Contact Centre
  • Point of Sale Terminal
  • Mobile Banking