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Insured Journey Pretection

As an International Visa cardholder with this benefit, you, your spouse, and your dependent children under 23 years of age, will each be insured automatically up to the benefit amount as provided by your card issuer against accidental bodily injuries that are the sole cause of death** or dismemberment arising from an accident that occurs
during an insured journey.


A trip is considered an insured journey if (a) the full travel fare has been purchased with a valid international visa card; (b) travel is more than 150 kilometers from the eligible person’s permanent place of residence; and (c) the maximum duration of any one trip is no more than 60 days.

The coverage of an insured journey begins when you disembark from the common carrier at the destination of your insured journey (as designated on your ticket) and ends when you board the common carrier for departure (as designated on the return portion of your ticket).

This insurance does not provide common carrier coverage during travel to and from an insured journey. This coverage is meant to complement and not duplicate the common carrier coverage on your international Visa card


Benefit amount
Visa Infinite USD 50,000

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.

What is the benefit?
If accidental bodily injury results in death or dismemberment within 365 days, including loss of sight, speech and hearing, the following benefits will be paid:


Accidental loss of life                                                                               100%

Loss of both hands or feet, or the sight of both eyes,
or speech and hearing in both ears, or one hand and
one foot, or either hand or foot, and sight of one eye                                100%

Accidental loss of one hand or one foot, or the sight
of one eye, or speech or hearing in both ears                                            50%

Accidental loss of index finger and thumb on same hand                            25%

For losses resulting from the insured person being unavoidably exposed to the elements due to an accident, the benefits will be payable as if resulting from an injury. Loss must occur within 365 days of the accident.

The company will pay the benefit for loss of life if the body of an insured person cannot be located within one year after the forced landing, stranding, sinking or wrecking of a conveyance in which such person was a passenger, then it shall have suffered loss of life within the meaning of the policy.

If the insured has multiple losses as the result of one accident, the company will pay the single largest benefit amount applicable. The death benefit will be paid to the beneficiary designated by the insured, or if there is no such designation, to the first surviving beneficiary scheduled on the policy.

What is not covered?
Loss resulting from:
1. Suicide, attempted suicide, or intentionally self-inflicted injuries

2. Sickness, bacterial infection (except bacterial infection caused by an injury or if death results, from accidental consumption of a substance contaminated by bacteria),

3. Any act of declared or undeclared war;

4. Congenital anomalies and conditions arising out of or resulting there from;

5. Accident occurring while a passenger on; or operating; or learning to operate; or serving as a member of the crew of any aircraft except as provided in the policy;

6. Injury to which a contributing cause was the commission of, or attempt to commit, an illegal act by or on behalf of the Insured or their beneficiaries;

7. Participation in any professional, semi-professional or interscholastic team sports or any bodily contact sport;

8. Participation in contests of speed using a motorized vehicle or bicycle; in skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing, pot-holing or while riding on a motorcycle (greater then 100 cc);

9. Service in the military, naval or air service of any country;

10. Being under the influence of drugs, alcohol or other intoxicants unless prescribed by a Physician and taken as prescribed or the treatment of alcohol or drug abuse, addiction or overdose;

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

12. Any loss that is covered by the common carrier insurance benefit on your International Visa card.

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

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 Insured Journey the list of documents that are needed for each claim
c. All required documents, including the claim form, must be sent electronically to lacclaim@apvisa.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


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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