GUIDE TO

BENEFITS
Important Information
about your Travel & Purchase
Protection Benefits
Chase Sapphire Preferred®,
Visa Signature®

Auto Rental Coverage 03

Baggage Delay Insurance 06

Extended Warranty Protection 8

Lost Luggage Reimbursement 11

Purchase Protection 13

Roadside Assistance 16

Travel Accident Insurance 17

Travel and Emergency Assistance 23

Trip Cancellation and Interruption Insurance 25

Trip Delay Reimbursement 33

Additional Terms 35

Your Guide to Benefits describes the benefit that is in effect as of

10/01/24. Information in this guide takes the place of any prior
benefit and benefit description you may have previously received.
Your effective date of eligibility is determined by Chase.
Please keep the guide with your account information for future
reference and call the benefit administrator if you have any
questions before taking advantage of the benefit.
If you have any questions please call 1-800-350-1362 or if you are
outside the U.S., call collect at 001-214-503-2951.

2
Auto Rental Coverage
This benefit provides reimbursement for damages caused by
theft or collision of the Rental Vehicle up to $60,000. Coverage is
available worldwide.
You are covered when You use a Covered Card Account and/or
redeemable Rewards, to initiate and complete the entire Rental
Vehicle transaction. Only You, as the primary renter of the Rental
Vehicle, and any additional drivers permitted by the Rental Car
Agreement are covered.

What’s Covered?
This benefit covers theft, damage, valid loss-of-use charges imposed
and substantiated by the Rental Agency, administrative fees, and
reasonable and customary towing charges (due to a covered theft
or damage) to the nearest qualified repair facility. No other type
of loss is covered. For example, in the event of a collision involving
the Rental Vehicle, damage to any other driver’s car, the injury of
anyone, or damage to anything is not covered. Rental periods up to
thirty-one (31) consecutive days are covered.

How Does This Benefit Work?

Inside the United States and outside the United States (where this
benefit is available) the coverage provided is primary. New York
Residents, inside the United States coverage is primary unless You
have personal automobile insurance in which case it is excess.

How Do You Use This Benefit?

1. Use a Covered Card Account and/or redeemable Rewards to
initiate and complete the entire Rental Vehicle transaction.
2. Review the Rental Car Agreement and decline the Rental Agency’s
collision damage waiver/loss damage waiver (CDW/LDW) option
or a similar provision. Accepting the Rental Agency’s CDW/LDW
coverage will cancel out this benefit. If the Rental Agency, outside
of the United States, will not allow You to decline their CDW/LDW
coverage, then this benefit is secondary to the Rental Agency’s
CDW/LDW coverage.
3. Some countries or Rental Agencies require a letter of coverage.
Please check with the Rental Agency before You go. If a letter
of coverage is required visit chasecardbenefits.com or call
1-800-350-1362.

Before driving out of the lot, check the Rental Vehicle for any prior
damage and bring any damage You identify to the attention of the
Rental Agency.
This benefit is in effect during the time the Rental Vehicle is in Your
(or an authorized driver’s) control, and terminates when the Rental
Agency reassumes control of the Rental Vehicle.

What Vehicles Are Not Covered?

Certain vehicles are not covered by this benefit, including: exotic
vehicles or any vehicle with a dealer or manufacturer’s suggested
retail price greater than $125,000, and antique cars (cars over
twenty (20) years old or that have not been manufactured for
ten (10) years or more), cargo vans, trucks (other than pick-ups),
motorcycles, mopeds, motorbikes, limousines and vehicles that are
rented with a driver, recreational vehicles, and passenger vans with
seating for more than twelve (12) people including the driver.

3
Examples of exotic car brands not covered include but are not
limited to Aston Martin, Bentley, Bugatti, Ferrari, Koenigsegg,
Lamborghini, Lotus, Maybach, McLaren, Pagani, and Rolls Royce

Wondering if a vehicle is covered?

Call 1-800-350-1362

What’s Not Covered?

This benefit does not apply to the following:
• Any obligation assumed under any agreement (other than the
deductible on a personal auto policy)
• Any violation of the Rental Car Agreement or the terms of
this benefit
• Injury of anyone, including You, or damage to anything, inside or
outside the Rental Vehicle
• Loss or theft of personal belongings
• Personal liability
• Expenses assumed, waived or paid by the Rental Agency or
its insurer
• The cost of any insurance or collision damage waiver offered by
or purchased through the Rental Agency
• Depreciation of the Rental Vehicle caused by the incident
including, but not limited to, “diminished value”
• Expenses reimbursable by an insurer, employer, or
employer’s insurance
• Theft or damage due to intentional acts or due to the driver(s)
being under the influence of alcohol, intoxicants, or drugs, or due
to contraband, or illegal activities
• Wear and tear, gradual deterioration, or mechanical breakdown
• Items not installed by the original manufacturer
• Damage due to off-road operation of the Rental Vehicle
• Theft or damage due to hostility of any kind (including,
but not limited to, war, invasion, rebellion, insurrection, or
terrorist activities)
• Confiscation by authorities
• Vehicles that do not meet the definition of Rental Vehicle
• Rental periods that either exceed or are intended to exceed
thirty-one (31) days
• Leases and mini leases
• Theft or damage resulting from Your and/or an authorized
driver’s lack of reasonable care in protecting the Rental Vehicle
before and/or after damage or theft occurs (for example, leaving
the car running and unattended)
• Vehicles that are not rented from a Rental Agency
• Damage to the interior bed of a pick-up truck unless such
damage is caused by or the result of a covered loss, such as theft
or collision
• The Rental Vehicle is rented through a car sharing company that
allows individuals to rent out their own vehicle

How Do You File a Claim?

It is Your responsibility to make every effort to protect the Rental
Vehicle from damage or theft. If You have an accident or the Rental
Vehicle has been stolen, please follow the steps below and pay

4
close attention to the deadlines to make sure You remain eligible
for coverage:
1. Visit chasecardbenefits.com or call 1-800-350-1362 to report the
theft or damage, regardless of who is at fault and whether Your
liability has been established, as soon as reasonably possible
but no later than one hundred (100) days from the date of the
incident even if all required documentation is not yet available.
Any claim containing charges that would not have been included
if notification occurred before the expenses were incurred
may be declined, so it is important to notify Us immediately
after an incident. Reporting to any other person will not fulfill
this obligation.
2. We will ask You a few questions and advise You what
documentation is needed. The requested documents must
be submitted within three hundred sixty-five (365) days
of the damage or theft of the Rental Vehicle or as soon as
reasonably possible.

Documents You May Need to Provide

When You file a claim, We will provide the details, but generally You
should be prepared to send:
• Copy of the accident report form
• Copy of the initial and final Rental Car Agreement (front and back)
• Copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged Rental Vehicle, if available
• Police report, if filed
• Copy of the demand letter indicating the costs You are
responsible for and any amounts that have been paid toward
the claim
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment for the
rental transaction was made on Your Covered Card and/or with
redeemable Rewards
• Any other documentation required by Us to substantiate
the claim
Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Rental Agency - a commercial rental company licensed under the
laws of the applicable jurisdiction and whose primary business is
renting automobiles
Rental Car Agreement - the entire contract an eligible renter
receives when renting a Rental Vehicle from a Rental Agency which
describes in full all of the terms and conditions of the rental, as well
as the responsibilities of all parties under the contract
Rental Vehicle - a land motor vehicle with four (4) or more wheels
which the eligible renter has rented for the period of time shown
on the Rental Car Agreement and is not identified as a non-covered
vehicle herein
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
5
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

ARCDW_CON_$60K_PRIMARY_20240311

Baggage Delay Insurance

This benefit provides reimbursement for the emergency purchase
of essential personal items when the Covered Traveler’s Checked
Baggage is delayed while on a Trip. This benefit applies if the
Covered Traveler’s Checked Baggage is delayed or misdirected
by the Common Carrier for more than six (6) hours from the time
the Covered Traveler arrives at their destination. The maximum
benefit is $100 per day after the initial six (6) hour delay, and for
each additional twenty-four (24) hour period, up to a maximum of
five (5) days.
The Covered Traveler is covered when You charge all or a portion of
the cost of the Common Carrier fare to Your Covered Card and/or
use redeemable Rewards. Covered Travelers do not need to be
traveling with You for benefits to apply.

When is the Covered Traveler Covered?

Benefits begin on the Trip Departure Date and end on the Trip
Completion Date.
There is no coverage when the Covered Traveler returns to their
point of origin.

What’s Covered?
This benefit covers essential personal items that the Covered
Traveler(s) may need when their baggage is delayed, such as
toiletries, a change of clothes, and chargers for electronic devices
(limit one per device).
Please Pay Special Attention to These Conditions:
• Baggage delay must be reported to the Common Carrier to be
eligible for this benefit.
This benefit is secondary and payable on an excess basis over and
above any amount due from any other valid or collectible insurance
or any other form of reimbursement payable by those responsible
for the loss.

What’s Not Covered?

This benefit does not apply to the following:
• Hearing aids
• Artificial teeth, dental bridges, or prosthetic devices
• Tickets, documents, money, securities, checks, travelers checks,
and valuable papers
• Business samples
• Jewelry and watches
• Cameras, video recorders, and other electronic equipment
• Recreational equipment, any equipment that is used to
engage in a particular sport, hobby, game, excursion, or other
recreational activity
The benefit does not apply to any loss caused by, or resulting from,
directly or indirectly: War, undeclared war, civil war, insurrection,
6
rebellion, revolution, warlike acts by a military force or personnel,
any action taken in hindering or defending against any of these,
the destruction or seizure of property for a military purpose, or any
consequences of any of these acts. War does not include terrorism.

How Do You File a Claim?

The Covered Traveler should notify the airline (or other
Common Carrier) before leaving the airport or station, and keep
a copy of any report provided.
Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362 within
twenty (20) days of the date the Covered Traveler’s Checked
Baggage was delayed or as soon as reasonably possible.
2. We will ask You a few questions and let You know what
documentation is needed. The requested documents must be
submitted within ninety (90) days of the Checked Baggage being
delayed or as soon as reasonably possible.
Documents You May Need to Provide
When You file a claim, We will provide the details, but generally You
should be prepared to send:
• Travel itinerary
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment for the
Common Carrier fare was made on Your Covered Card and/or
with redeemable Rewards
• Written confirmation of the baggage delay from the
Common Carrier
• Copy of the settlement or denial from the Common Carrier
• Copies of itemized receipts for the purchase of essential items
• Any other documentation deemed necessary by Us to
substantiate the claim

Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Checked Baggage - suitcases or personal belongings, for which
a claim check has been issued to the Covered Traveler by a
Common Carrier
Common Carrier - a mode of transportation that’s licensed to
transport any public passenger who pays a fare or buys a ticket, and
is available on a regular schedule. Examples include planes, trains,
ferries and cruise ships, but does not include taxis, car service, rental
car, rideshare service, commuter rail or commuter bus lines
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Traveler - You and Your Family Member
Domestic Partner - a committed relationship between two
unmarried adults, in which the partners, (1) are each other’s sole
Domestic Partner, (2) maintain a common residence, (3) share
at least one (1) of the following financial arrangements: a joint
mortgage or lease, a joint bank account, joint title to or ownership
of a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint credit card account with a financial institution, (4) are not
married or joined in a civil union to anyone else or are not the
Domestic Partner of anyone else, and (5) are not blood related

7
Family Member - an individual’s: spouse or Domestic Partner, and
parents thereof; sons and daughters, including adopted children
and stepchildren; legal guardians or wards; parents, including
stepparents; brothers and sisters; grandparents and grandchildren;
aunts or uncles; nieces or nephews; spouses or Domestic Partners of
any individual of this definition
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
Trip - any pre-paid travel when a portion or the entire cost of a
round trip or one way Common Carrier fare was paid using the
Covered Card and/or redeemable Rewards
Trip Completion Date - the date on which the Covered Traveler
is scheduled to return to the point of origin or to a different
final destination
Trip Departure Date - the date on which the Covered Traveler is
scheduled to leave on the Trip
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

BD_CON_$100 DAY_5 DAYS_20240311

Extended Warranty Protection

This benefit extends the original manufacturer’s U.S. repair warranty
coverage by one (1) additional year. If You received a store provided
warranty or purchased a service contract, this coverage begins at the
end of the cumulative warranties and service contract. If the original
manufacturer’s U.S. repair warranty or a combination of the original
manufacturer’s U.S. repair warranty, store provided warranty and a
consumer purchased service contract exceeds three (3) years there
would not be coverage under this benefit. In no event will coverage
from the original manufacturer’s U.S. repair warranty, store provided
warranty or consumer purchased service contract and this coverage
exceed four (4) years from the purchase date.
To be eligible for this benefit, the item must come with a valid
original manufacturer’s U.S. repair warranty and You must charge
all or a portion of the cost of the eligible item to Your Covered Card
and/or use redeemable Rewards.

What’s Covered?
The benefit applies to purchases made both inside and outside the
U.S. Eligible items given as gifts can also be covered.
Coverage is limited to the lesser of the following:
• The cost to repair the item
• The cost to replace the item with an item of like kind and quality
• The amount charged to the Covered Card and/or redeemable
Rewards used (excluding shipping and handling)
• $10,000 per item and a maximum of $50,000 per Account
Note: Eligible purchases made with redeemable Rewards will be
reimbursed in dollars.
8
We will decide whether to reimburse for the cost to have the
item repaired or replaced, whichever is less. Maximum coverage
limits apply.
If Your item is to be repaired, You may go to an authorized repair
facility and file a claim for reimbursement. Only valid, customary
and reasonable repairs made at the authorized repair facility
are covered.

How Does This Benefit Work?

The coverage begins at the end of the original manufacturer’s U.S.
repair warranty and provides one (1) year of coverage after it has
expired. This benefit only covers what would have been covered
under the original manufacturer’s U.S. repair warranty.
If You received a store provided warranty or purchased a service
contract, Our coverage begins at the expiration of the cumulative
warranties and service contract. If the original manufacturer’s U.S.
repair warranty or a combination of the original manufacturer’s U.S.
repair warranty, store provided warranty and a consumer purchased
service contract exceeds three (3) years there would not be coverage
under this benefit.

Examples:
• On an original manufacturer’s U.S. repair warranty of
six (6) months, We would provide You with an additional
twelve (12) months of coverage for a combined total of
eighteen (18) months of coverage.
• On an original manufacturer’s U.S. repair warranty of
twelve (12) months, and a consumer purchased service contract
of twenty-four (24) months, We would provide You with an
additional twelve (12) months of coverage starting at the end of
the consumer purchased service contract for a combined total of
forty-eight (48) months of coverage.
• On an original manufacturer’s U.S. repair warranty of
six (6) months, and a consumer purchased service contract of
thirty-six (36) months, there would be no extension of coverage
under this benefit.

How Can You Store Your Warranty?

When You purchase an eligible item that carries a warranty, You can
store Your itemized sales receipt and warranty information online at
chasecardbenefits.com. You can call 1-800-350-1362 for assistance
uploading Your documentation.
If You choose not to utilize the warranty storage, be sure to keep
Your monthly billing statement (showing the last four (4) digits of the
Account number) reflecting the purchase, the itemized sales receipt,
and the warranty information in a safe place. These documents will
be required to verify Your claim.

What’s Not Covered?

This benefit does not cover the following:
• Boats, automobiles, aircraft, and any other motorized vehicles
and their motors, equipment, or accessories, including trailers
and other items that can be towed by or attached to any
motorized vehicle
• Any costs other than those specifically covered under the terms
of the original manufacturer’s U.S. repair warranty, as supplied by
the original manufacturer
• Items purchased for resale, professional, or commercial use

9
• Rented or leased items
• Computer software
• Medical equipment
• Used or pre-owned items (a refurbished item will be covered as
long as it has a warranty with it and would not be considered
used or pre-owned)

How Do You File a Claim?

Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362
within ninety (90) days of product failure or as soon as
reasonably possible.
2. We will ask You a few questions and advise You what
documentation is needed. The requested documents must be
submitted within one hundred twenty (120) days of the product
failure or as soon as reasonably possible.
Documents You May Need to Provide
When You file a claim, We will provide the details, but generally You
should be prepared to send:
• Copy of the itemized sales receipt
• Covered Card Account statement (showing the last
four (4) digits of the Account number) demonstrating that the
payment for the item was made on Your Covered Card and/or
with redeemable Rewards
• Copy of the valid original manufacturer’s U.S. repair warranty,
and any store provided warranty or consumer purchased
service contract
• Description of the item, its serial number, and any other
documentation deemed necessary to substantiate Your claim
(this includes bills and, if necessary, a copy of the maintenance
record and receipts)
• Original repair estimate or repair bill, indicating cause of failure
• Any other documentation deemed necessary by Us to
substantiate the claim

Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

EW_CON_$10K ITEM_$50K ACCT_20240311

10
Lost Luggage Reimbursement
This benefit provides reimbursement for the difference between
the actual cash value (replacement cost less depreciation) and any
reimbursement provided by the Common Carrier for the costs the
Covered Traveler incurs to repair or replace their Checked Baggage,
Carry-On Baggage, and/or personal property contained within that
is lost, damaged, or stolen. The maximum benefit is $3,000 per
Covered Traveler per Trip (additionally, New York residents are
limited to $2,000 per bag and $10,000 for all Covered Travelers per
Trip). The maximum benefit per Covered Traveler per Trip includes
a sub-limit up to $500 for jewelry and watches and a sub-limit
up to $500 for cameras and other electronic equipment. The
benefit amounts for jewelry, watches, cameras, and other electronic
equipment are part of and not in addition to the maximum benefit
amount. Payment of these benefit amounts reduces and does not
increase the maximum benefit.
Items the Covered Traveler inadvertently leaves behind on the
Common Carrier are not considered lost or stolen.
The Covered Traveler is covered when You charge all or a portion of
the cost of the Common Carrier fare to Your Covered Card and/or
use redeemable Rewards. Covered Travelers do not need to be
traveling with You for benefits to apply.
Coverage for Checked Baggage begins when baggage is checked in
and is under the care and control of the Common Carrier and ends
when baggage has been retrieved by the Covered Traveler from the
Common Carrier pick up area.
Coverage for Carry-On Baggage begins when the Covered Traveler
boards the Common Carrier and ends when the Covered Traveler
exits the Common Carrier.

Please Pay Special Attention to These Conditions:

• If the Covered Traveler’s Checked Baggage is lost, stolen, or
damaged by the Common Carrier, the loss must be reported
to the Common Carrier (within their required timeframe for
notification) to be eligible for this benefit.
• If the Covered Traveler’s Carry-On Baggage is lost, stolen, or
damaged while on the Common Carrier, it must be reported to
the Common Carrier as soon as the Covered Traveler exits the
Common Carrier.
This benefit is secondary and payable on an excess basis over and
above any amount due from any other valid or collectible insurance
or any other form of reimbursement payable by those responsible
for the loss.

What’s Not Covered?

This benefit does not apply to loss or theft of the following:
• Items that have been removed from Carry-On Baggage by
the Covered Traveler and inadvertently left behind on the
Common Carrier
• Documents or valuable papers
• Money
• Securities
• Tickets
• Checks
• Travelers’ checks
• Furs
11
This benefit does not apply to any loss caused by, or resulting from,
directly or indirectly: War, undeclared war, civil war, insurrection,
rebellion, revolution, warlike acts by a military force or personnel,
any action taken in hindering or defending against any of these,
the destruction or seizure of property for a military purpose, or any
consequences of any of these acts. War does not include terrorism.
How Do You File a Claim?
The Covered Traveler should notify the airline (or other
Common Carrier) before leaving the airport or station, and keep
a copy of any report provided.
Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362 within
twenty (20) days of the date the Covered Traveler’s baggage was
lost, damaged, or stolen or as soon as reasonably possible.
2. We will ask You a few questions, and let You know what
documentation is needed. The requested documents must be
submitted within ninety (90) days of the baggage being lost,
damaged, or stolen or as soon as reasonably possible.

Documents You May Need to Provide

When You file a claim, We will provide the details, but generally You
should be prepared to send:
• Travel itinerary
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment for the
Common Carrier fare was made on Your Covered Card and/or
with redeemable Rewards
• Written confirmation that the claim was filed with the
Common Carrier
• Copy of the settlement or denial from the Common Carrier
• Copies of original receipts
• Copies of itemized receipts for the purchase of replacement items
• Any other documentation deemed necessary by Us to
substantiate the claim

Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Carry-On Baggage - baggage which the Covered Traveler personally
carries onto the Common Carrier and for which the Covered Traveler
retains responsibility
Checked Baggage - suitcases or personal belongings, for which
a claim check has been issued to the Covered Traveler by a
Common Carrier
Common Carrier - a mode of transportation that’s licensed to
transport any public passenger who pays a fare or buys a ticket, and
is available on a regular schedule. Examples include planes, trains,
ferries and cruise ships, but does not include taxis, car service, rental
car, rideshare service, commuter rail or commuter bus lines
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Traveler - You and Your Family Member
Domestic Partner - a committed relationship between two
unmarried adults, in which the partners, (1) are each other’s sole
Domestic Partner, (2) maintain a common residence, (3) share
12
at least one (1) of the following financial arrangements: a joint
mortgage or lease, a joint bank account, joint title to or ownership of
a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint credit card account with a financial institution, (4) are not
married or joined in a civil union to anyone else or are not the
Domestic Partner of anyone else, and (5) are not blood related
Family Member - an individual’s: spouse or Domestic Partner, and
parents thereof; sons and daughters, including adopted children
and stepchildren; legal guardians or wards; parents, including
stepparents; brothers and sisters; grandparents and grandchildren;
aunts or uncles; nieces or nephews; spouses or Domestic Partners of
any individual of this definition
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
Trip - any pre-paid travel when a portion or the entire cost of a
round trip or one way Common Carrier fare was paid using the
Covered Card and/or redeemable Rewards
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

LL_CON_$3K_20240311

Purchase Protection
This benefit protects an item You purchase against theft, damage,
or Involuntary and Accidental Parting within one hundred twenty
(120) days (ninety (90) days for New York residents) from the date of
purchase. You are eligible for this benefit when You charge all or a
portion of the cost of the eligible item to Your Covered Card and/or
use redeemable Rewards.

What’s Covered?
The benefit applies to purchases made both inside and outside the
U.S. Eligible items given as gifts can also be covered.
Coverage is limited to the lesser of the following:
• The cost to repair item
• The cost to replace the item with an item of like kind and quality
• The amount charged to the Covered Card and/or redeemable
Rewards used (excluding shipping and handling)
• $500 per item and a maximum of $50,000 per Account
Note: Eligible purchases made with redeemable Rewards will be
reimbursed in dollars.
If a loss involves a portion of a pair or set, You will only be
reimbursed for the item that was stolen, damaged, or part of an
Involuntary and Accidental Parting, not the total value of the pair or
set. This does not apply to items normally sold as pairs or sets that
are not replaceable by purchasing one piece of the pair or set. You
may be asked to send the individual item, at Your expense, as part of
the claim review process prior to being reimbursed.

13
If the item is damaged, We will decide whether to reimburse for
the cost to have the item repaired or replaced, whichever is less.
Maximum coverage limits apply.
Coverage is secondary and in excess of valid and collectible
insurance or indemnity (including, but not limited to, homeowner’s,
renter’s, automobile, or employer’s insurance policies). This means
that if You have another insurance policy, this benefit will cover only
the amount Your other policies do not. Deductibles You may have to
pay under Your other insurance policies are covered. You would not
have to file a claim under Your other insurance If the deductible on
the other insurance is equal to or greater than the claim amount.

What’s Not Covered?

This benefit does not cover the following:
• Living animals and plants
• Antiques or collectible items
• Boats, automobiles, aircraft, and any other motorized vehicles
and their motors, equipment, or accessories, including trailers
and other items that can be towed by or attached to any
motorized vehicle
• Computer software
• Items purchased for resale, professional, or commercial use
• Items that are lost, or that “mysteriously disappear,” meaning
they vanished in an unexplained manner, with no evidence of
wrongdoing by one person
• Items under the control and care of a common carrier, including
the U.S. Postal Service, airplanes, or a delivery service
• Items in Your baggage on a common carrier unless hand carried
or under Your supervision or that of a companion You know,
including but not limited to, jewelry, and watches
• Loss stemming from abuse, fraud, hostilities (war, invasion,
rebellion, insurrection, terrorist activities, and more); confiscation
by authorities (if contraband or illegal); normal wear and tear;
flood, earthquake, radioactive contamination; damage from
inherent product defects
• Loss from mis-delivery, or voluntarily parting with property
• Medical equipment
• Perishables, consumables, and limited life items, including but
not limited to, cosmetics, perfumes, and rechargeable batteries
• Traveler’s checks, cash, tickets, credit or debit cards, among other
negotiable purchased instruments
• Items used or pre-owned (refurbished items will not be
considered used or pre-owned if accompanied by a warranty)

Please Pay Special Attention to These Conditions:

• For damaged items, You may be asked to send the item, at
Your expense, as part of the claim review process prior to being
reimbursed. Please make sure to keep the damaged item in
Your possession.
• You may be required to provide a copy of a police report, fire
report, or other incident report made within forty-eight (48) hours
of the incident or as soon as reasonably possible.
• If the item was stolen from the delivery location, You are first
required to file a claim with the common carrier and/or retailer.

14
How Do You File a Claim?
Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362 within ninety
(90) days of the loss or as soon as reasonably possible.
2. We will ask You a few questions and advise You what
documentation is needed. The requested documents must be
submitted within one hundred twenty (120) days of the loss or as
soon as reasonably possible.

Documents You May Need to Provide

When You file a claim, We will provide the details, but generally You
should be prepared to send:
• Copy of the itemized sales receipt
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment
for the item was made on Your Covered Card and/or with
redeemable Rewards
• Copy of the documentation of any other settlement of the loss
(if applicable)
• For damaged items, a repair estimate from an authorized repair
facility (with diagnosis, breakdown of cost, and condition of item).
If the item is not repairable and is eligible for replacement, You
may be required to provide a statement of non-repair from the
authorized repair facility
• Copy of a police report, fire report, or other incident report
made within forty-eight (48) hours of the incident or as soon as
reasonably possible
• Any other documentation deemed necessary by Us to
substantiate the claim

Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Involuntary and Accidental Parting - the unintended separation
from an item of personal property when its location is known, but
recovery is impractical to complete
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

PP_CON_$500 ITEM_$50K ACCT_20240311

15
Roadside Assistance
Roadside Assistance is a pay-per-use roadside assistance program
which provides You with security and convenience when You need
help, whether You need a tow or roadside service. Dependable
roadside assistance is available 24 hours a day, 7 days a week in
the United States and Canada. Roadside Assistance is provided as
a benefit under the Covered Card, there is no membership or pre-
enrollment required. Just call 1-800-350-1362.

What is Covered?
For a pre-negotiated, per service fee, the program provides You with:
• Standard towing - up to five (5) miles included.
• Tire change - must have a good, inflated spare located with
the vehicle.
• Battery assistance - If your vehicle doesn’t start due to the
vehicle battery being out of charge, assistance will be provided
to jump start the vehicle, tow electric vehicles to the nearest
charging station, or tow all other vehicles to the nearest qualified
service facility.
• Lockout service - does not include key replacement.
• Fuel delivery - up to five (5) gallons, where permissible, does not
include the cost of fuel.
• Standard winching - if Your vehicle is within 100 feet of a paved
road or highway standard winching assistance is available.
Note: Any vehicle with wheels is covered under this program as long
as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles
that weigh ten thousand (10,000) pounds or less. Vehicles weighing
more than ten thousand (10,000) pounds are considered ‘Medium
Duty’ or ‘Heavy Duty’ and are not covered under this program.

How Does It Work?

Call 1-800-350-1362 to access roadside assistance.
• You will be asked Your location and details of the problem
with Your vehicle. Assistance will be arranged with a reliable
service provider.
• Weather conditions, time of day, and availability of service
may affect assistance responses. Expectations for dispatch are
set during the call, and an expected estimated time of arrival
is provided based on the type of service required and Your
disablement location.
• Roadside assistance is not available in areas not regularly
traveled, in “off-road” areas not accessible by ordinary towing
vehicles, or for over one-ton capacity trailers, campers, or
vehicles-in-tow.
• You are responsible for charges incurred by the service provider
responding to Your dispatch, even if You are not with Your vehicle
(or it’s gone) when the service provider arrives.
• If You experience a disablement in a rental vehicle, be sure to
call the car rental agency before You call the roadside assistance
provider, as many rental agencies have required procedures
regarding roadside assistance services.
If You feel You are in an unsafe location, You will be advised to
hang up and dial 911. If You are not able to dial 911, the roadside
assistance provider will call the non-emergency police number near
Your location and remain on the phone with You at Your request
until the police arrive.

16
What Fees Apply?
• The fee for a standard service call is provided when You call
for assistance. Service call fees are subject to change at any
time; however, callers will be notified of pricing prior to any
service dispatch.
• Customers must pay the roadside assistance provider at the time
of dispatch for any services more than the benefit limit, such as
for mileage over five (5) miles.
• A secondary unit being towed behind is not included but can be
accommodated for an additional fee.
• Additional fees may apply for services under
certain circumstances.
This program may be discontinued at any time without prior notice.
Program void where prohibited.

Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates
Roadside Assistance services are sourced by
Virginia Surety Company, Inc, an Assurant company, and are
performed by a third party provider. This is not an insurance benefit.
The roadside assistance providers supplying emergency roadside
assistance and towing are independent contractors and are solely
liable for their services. JPMorgan Chase Bank, N.A. and/or its
affiliates shall not have any responsibility or liability in connection
with the rendering of the services.

ROADSIDE_PPU_20240315

Travel Accident Insurance

This benefit provides payment if a Covered Traveler suffers a Loss of
Life or loss of limb, sight, speech or hearing due to an Accident while
traveling on a Trip.
The Covered Traveler is covered when You charge all or a portion of
the cost of the Common Carrier fare to Your Covered Card and/or
use redeemable Rewards. Covered Travelers do not need to be
traveling with You for benefits to apply.

When is the Covered Traveler Covered?

Twenty-Four (24) Hour Travel Accident
Coverage begins from Trip Departure Date and ends on Trip
Completion Date for Trips up to thirty (30) days. For Trips lasting
more than thirty (30) days coverage remains in effect until 12:01
a.m. on the thirty-first (31st) day following the Trip Departure Date.
Coverage is reactivated when the Covered Traveler commences
travel to their return destination on the Trip Completion Date.
Common Carrier Travel Accident
Coverage applies when the Covered Traveler:
1) is riding as a passenger in, entering, or exiting the Common
Carrier for which the fare was purchased using the Covered Card
and/or redeemable Rewards;
17
2) is riding as a passenger in, entering, or exiting any Common
Carrier licensed to carry the public for hire or any Courtesy
Transportation provided without a specific charge and while
traveling to and from the airport, terminal, or station:
a) immediately preceding the departure of the scheduled
Common Carrier on which the Covered Traveler is a passenger;
or
b) immediately following the arrival of the scheduled Common
Carrier on which the Covered Traveler was a passenger; or
3) while at the airport, station, or terminal at the beginning or end of
a Trip.
If the purchase of the Common Carrier passenger fare is not made
prior to the Covered Traveler’s arrival at the airport, terminal, or
station, coverage will begin at the time when You charge all or a
portion of the cost of the Common Carrier fare to Your Covered Card
and/or use redeemable Rewards.

What’s Covered?
To receive payment under this benefit, the injury to, or death of, the
Covered Traveler(s) must be caused by one of the following:
• An Accident that occurs while on a Trip as defined under When is
the Covered Traveler Covered?;
• If, due to an Accident, the Covered Traveler has not been found
within one (1) year of the disappearance, stranding, sinking, or
wrecking of the Common Carrier in which the Covered Traveler
was an occupant at the time of the Accident, then it will be
assumed that the Covered Traveler has suffered a Loss of Life.
• If, due to an Accident, the Covered Traveler is unavoidably
exposed to the elements and as a result of this exposure suffers
a Loss.
In order to be covered, the Loss must occur within one (1) year after
the Accident.

What Are the Benefit Amounts?

Maximum Benefit
Amount per Covered
Coverage Traveler
Twenty-Four (24) Hour
Travel Accident $100,000

Common Carrier
Travel Accident $500,000

18
This benefit will pay the Percentages of Maximum Benefit Amount
for specific Losses as follows:

Percentage
of Maximum
Loss Benefit Amount
Loss of Life; Loss of Speech and
Loss of Hearing; Loss of Speech
or Hearing and Loss of one Hand,
Foot or Sight of One Eye; Loss of
Both Hands; Loss of Both Feet; 100%
Loss of Sight of Both Eyes; Loss of
a combination of any two of a Loss
of Hand, Loss of Foot or Loss of
Sight of One Eye

Loss of One Hand; Loss of One

Foot; Loss of Sight of One Eye; Loss 50%
of Speech; Loss of Hearing

Loss of Thumb and Index Finger of

25%
the same hand

In the event a Loss is eligible for payment under both the Common
Carrier Travel Accident and the Twenty-Four (24) Hour Travel
Accident coverage, or if a Covered Traveler suffers multiple covered
Losses as the result of one (1) Accident, We will only pay the single
largest Maximum Benefit Amount applicable to all covered Losses.
If more than one Covered Traveler under the same Account suffers
a Loss arising from the same Accident, We will not pay more
than two (2) times the Maximum Benefit Amount (the aggregate
limit of insurance). If an Accident results in benefits becoming
payable, which when totaled exceeds two (2) times the Maximum
Benefit Amount, the aggregate limit of insurance will be divided
proportionally, based on applicable benefit amounts owed to all
Covered Travelers.
If the Covered Traveler is eligible for coverage under multiple
Accounts, then the Covered Traveler will only be covered under the
Account which provides the largest Benefit Amount for the Loss that
has occurred.
All benefits, except for Loss of Life, are paid to the Covered Traveler.
Loss of Life benefits are paid to the Covered Traveler’s estate.

What’s Not Covered?

The Travel Accident Insurance does not apply to any Loss caused by
or resulting from, directly or indirectly:
• Entering, or exiting any aircraft while acting or training as a pilot
or crew member; this exclusion does not apply to passengers
who temporarily perform pilot or crew functions in a life-
threatening emergency
• Emotional trauma, mental or physical illness, disease, pregnancy,
childbirth or miscarriage, bacterial or viral infection, bodily
malfunctions, or medical or surgical treatment or diagnosis
thereof; this exclusion does not apply to bacterial infection
caused by an Accident or by Accidental consumption of a
substance contaminated by bacteria
• Commission or attempted commission of any illegal act including
but not limited to any felony

19
• Any occurrence while incarcerated
• Being engaged, or participating, in a motorized vehicular race or
speed contest
• Commuting between a person’s residence and regular place
of employment
• Participating in any professional sporting activity for which a
salary or prize money is received
• Traveling or flying on any aircraft engaged in flight on a
rocket-propelled or rocket-launched aircraft
• Suicide, attempted suicide or intentionally self-inflicted injury
• A declared or undeclared War. War means hostilities following
a formal declaration of war by a governmental authority; in
the absence of a formal declaration of war by a governmental
authority, armed, open and continuous hostilities between
two (2) countries or armed, open and continuous hostilities
between two (2) factions, each in control of territory or claiming
jurisdiction over the geographic area of hostility

How Do You File a Claim?

Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362 within
twenty (20) days of the date of the Covered Traveler’s Accident
or Loss or as soon as reasonably possible. Notice must include
enough information to identify the Covered Traveler.
2. We will ask a few questions and advise what documentation
is needed. The requested documents must be submitted
within ninety (90) days of the date of Loss or as soon as
reasonably possible.

Documents You May Need to Provide

When You file a claim, We will provide the details, but generally You
should be prepared to send:

• A description of the Loss and supporting documentation

• Travel itinerary
• Police report confirming the claimed Accident
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment for the
Common Carrier fare was made on Your Covered Card and/or
with redeemable Rewards
• Copy of the death certificate
• Any other documentation deemed necessary by Us to
substantiate the claim

Definitions
Accident or Accidental - a sudden, unforeseen, and unexpected
event which a) happens by chance; b) arises from a source external
to the Covered Traveler; c) is independent of illness, disease or other
bodily malfunction or medical or surgical treatment thereof; d)
occurs while the Covered Traveler is covered under this benefit while
it is in effect; and e) is the direct cause of Loss
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Common Carrier - a mode of transportation that’s licensed to
transport any public passenger who pays a fare or buys a ticket, and
is available on a regular schedule. Examples include planes, trains,

20
ferries and cruise ships, but does not include taxis, car service, rental
car, rideshare service, commuter rail or commuter bus lines
Courtesy Transportation - transportation provided without
a specific charge by a rental car agency, airport or hotel which
transports You from the airport or station to the rental car agency or
hotel or from the rental car agency or hotel to the airport or station
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Traveler - You and Your Family Member
Domestic Partner - a committed relationship between two
unmarried adults, in which the partners, (1) are each other’s sole
Domestic Partner, (2) maintain a common residence, (3) share
at least one (1) of the following financial arrangements: a joint
mortgage or lease, a joint bank account, joint title to or ownership
of a motor vehicle or status as a joint lessee on a motor vehicle
lease or a joint credit card account with a financial institution,
(4) are not married or joined in a civil union to anyone else or are not
the Domestic Partner of anyone else, and (5) are not blood related
Family Member - an individual’s: spouse or Domestic Partner, and
parents thereof; sons and daughters, including adopted children
and stepchildren; legal guardians or wards; parents, including
stepparents; brothers and sisters; grandparents and grandchildren;
aunts or uncles; nieces or nephews; spouses or Domestic Partners of
any individual of this definition
Loss - Accidental Loss of Foot; Loss of Hand; Loss of Hearing; Loss of
Life; Loss of Sight; Loss of Sight of One Eye; Loss of Speech; Loss of
Thumb and Index Finger; Loss must occur within one (1) year after
the Accident
Loss of Foot - the complete severance of a foot through or above
the ankle joint; We will consider such severance a Loss of Foot even if
the foot is later reattached; if the reattachment fails and amputation
becomes necessary, then We will not pay an additional Maximum
Benefit Amount for such amputation
Loss of Hand - complete severance, as determined by a Physician, of
at least four (4) fingers at or above the metacarpal phalangeal joint
on the same hand or at least three (3) fingers and the thumb on the
same hand; We will consider such severance a Loss of Hand even if
the hand, fingers or thumb are later reattached; if the reattachment
fails and amputation becomes necessary, then We will not pay an
additional Maximum Benefit Amount for such amputation
Loss of Hearing - permanent, irrecoverable and total deafness, as
determined by a Physician, with an auditory threshold of more than
90 decibels in each ear; the deafness cannot be corrected by any aid
or device, as determined by a Physician
Loss of Life - death, including clinical death, as determined by the
local governing medical authority where such death occurs within
three hundred sixty-five (365) days after an Accident
Loss of Sight - permanent Loss of vision; remaining vision must be
no better than 20/200 using a corrective aid or device, as determined
by a Physician
Loss of Sight of One Eye - permanent Loss of vision of one eye;
remaining vision in that eye must be no better than 20/200 using a
corrective aid or device, as determined by a Physician
Loss of Speech - the permanent, irrecoverable and total Loss of
the capability of speech without the aid of mechanical devices, as
determined by a Physician
21
Loss of Thumb and Index Finger - complete severance, through
the metacarpal phalangeal joints, of the thumb and index finger
of the same hand, as determined by a Physician; We will consider
such severance a Loss of Thumb and Index Finger even if a thumb,
an index finger or both are later reattached; if the reattachment
fails and amputation becomes necessary, then We will not pay an
additional Maximum Benefit Amount for such amputation
Physician - a licensed medical practitioner acting within the scope
of their license to the extent provided by the laws of the jurisdiction
in which medical treatment is provided; the treating Physician
cannot be a Covered Traveler, their Family Members, employer or
business partner
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
Trip - any pre-paid travel when a portion or the entire cost of a
round trip or one way Common Carrier fare was paid using the
Covered Card Account and/or redeemable Rewards
Trip Departure Date - the date on which the Covered Traveler is
scheduled to leave on the Trip
Trip Completion Date - the date on which the Covered Traveler
is scheduled to return to the point of origin or to a different
final destination
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

TAI_CON_$500K_20240311

22
Travel and Emergency Assistance
If an emergency occurs while the Covered Traveler is traveling
away from home, they would have access to Travel and
Emergency Assistance services. To access these services, call
1-800-350-1362 in the United States, or call collect internationally
at 001-214-503-2951 to connect with the appropriate local
emergency and assistance resources twenty-four (24) hours a day,
three hundred sixty-five (365) days a year.

Travel and Emergency Assistance services provide

assistance and referral. The Covered Traveler is responsible
for the cost of any actual medical, legal, transportation, cash
advance, or other services or goods provided.

What Are the Specific Travel and Emergency

Assistance Services?
When traveling away from home, emergencies can escalate quickly.
Something that is relatively straightforward when at home, like
replacing prescription medication, can become complicated when
navigating local laws or language barriers. Travel and Emergency
Assistance services are designed to help in numerous situations.
Services include:

• Emergency Message Service records and relays emergency

messages for Covered Travelers, their Immediate Family
Members, or business associates. Reasonable efforts will be
used to relay emergency messages in accordance with benefit
guidelines and limitations but cannot take responsibility for the
failure to transmit any message successfully. All costs are the
Covered Traveler’s responsibility.
• Medical Referral Assistance provides medical referral, monitoring,
and follow-up. The Covered Traveler can be given names of
local English-speaking doctors, dentists, and hospitals; assign
a doctor to consult by phone with local medical personnel, if
necessary, to monitor their condition; and keep in contact with
their family, serving as a continuing liaison. The Covered Traveler
can also receive assistance arranging medical payments from
their personal account. All costs are the Covered Traveler’s
responsibility.
• Legal Referral Assistance arranges contact with English-speaking
attorneys and U.S. embassies and consulates if the Covered
Traveler is detained by local authorities, has a car accident, or
needs legal assistance. In addition, bail payment from the Covered
Traveler’s personal account can be coordinated with follow up
to make sure bail has been properly handled. All costs are the
Covered Traveler’s responsibility.
• Emergency Transportation Assistance helps the Covered
Traveler make all the necessary arrangements for emergency
transportation home or to the nearest medical facility. This
includes arrangements to bring their young children home and
helping them stay in contact with family members or employers
during the emergency. In the case of a death, arrangements can
be made to repatriate the remains. All costs are the Covered
Traveler’s responsibility.
• Emergency Ticket Replacement helps the Covered Traveler
through their carrier’s lost ticket reimbursement process and
assists in the delivery of a replacement ticket to them, should they
lose their ticket. All costs are the Covered Traveler’s responsibility.

23
• Lost Luggage Locator Service helps the Covered Traveler through
the Common Carrier’s claim procedures or can arrange shipment
of replacement items if an airline or Common Carrier loses their
checked luggage. The Covered Traveler is responsible for the cost
of any replacement items shipped to them.
• Emergency Translation Service provides telephone assistance in a
variety of languages and helps find local interpreters, if available,
when the Covered Traveler needs more extensive assistance.
All costs are the Covered Traveler’s responsibility.
• Prescription Assistance and Valuable Document Delivery
Arrangements help the Covered Traveler fill or replace
prescriptions, subject to local laws, and can arrange
pickup and delivery of prescriptions filled for them at local
pharmacies. These services can also help transport critical
documents that they have left at their home or elsewhere.
All costs are the Covered Traveler’s responsibility.
• Pre-Trip Assistance gives the Covered Traveler information
on their destination before they leave, such as ATM locations,
currency exchange rates, weather reports, health precautions,
necessary immunizations, and required passport visas.

Please note that due to occasional issues such as distance,

location, or time, the service providers are not responsible
for the availability, use, cost, or results of any medical,
legal, transportation, or other services.

Service may not be available in countries where the US

Department of State has a current travel warning issued
or in countries where the US Department of the Treasury’s
Office of Foreign Assets Control (OFAC) has active
economic or trade sanctions, or in countries that are
subject to other applicable trade or economic sanctions,
laws and regulations.

The Covered Traveler should consider the restrictions

on services related to international laws on sanctions
before planning the trip. Additionally, no services
will be available in any country or territory where
the existing infrastructure is deemed inadequate by
the service provider to guarantee service. Should the
Covered Traveler have doubt about the availability of
service at their intended travel destination, they may
call 1-800-350-1362 to verify.

Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Common Carrier - a vehicle that’s licensed to transport any public
passenger who pays a fare or buys a ticket, and is available on a
regular schedule. Examples include planes, trains, ferries and cruise
ships, but does not include taxis, car service, rental car, rideshare
service, commuter rail or commuter bus lines
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Traveler - You and Your Immediate Family Member
Domestic Partner - a committed relationship between two
unmarried adults, in which the partners, (1) are each other’s sole
Domestic Partner, (2) maintain a common residence, (3) share
at least one (1) of the following financial arrangements: a joint

24
mortgage or lease, a joint bank account, joint title to or ownership
of a motor vehicle or status as a joint lessee on a motor vehicle
lease or a joint credit card account with a financial institution, (4) are
not married or joined in a civil union to anyone else or are not the
Domestic Partner of anyone else, and (5) are not blood related
Immediate Family Member - spouse or Domestic Partner and
legally dependent children under the age of twenty-six (26)
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates
Travel and Emergency Assistance services are sourced by Virginia
Surety Company, Inc, an Assurant company, and are performed by a
third party provider. This is not an insurance benefit.

TEAS_20240311

Trip Cancellation and Interruption

Insurance
This benefit provides reimbursement for covered travel expenses if a
Trip is cancelled or interrupted due to a covered reason. Coverage is
limited to the lesser of the following:
• $10,000 per Covered Traveler
• $20,000 per Trip for all Covered Travelers and $40,000 per
twelve (12) month period per Account
• the actual amount charged to the Covered Card and/or
redeemable Rewards used for a covered travel expense
Note: Eligible purchases made with redeemable Rewards will be
reimbursed in dollars.
The Covered Traveler is covered when You charge all or a portion
of the cost of the Trip to Your Covered Card and/or use redeemable
Rewards. Covered Travelers do not need to be traveling with You for
benefits to apply.

When is the Covered Traveler Covered?

For Trip Cancellation:
Coverage begins on the initial deposit or booking date of the
Trip and ends at the point and time of departure on the Trip
Departure Date.

For Trip Interruption:

Coverage begins on the Trip Departure Date and ends on the Trip
Completion Date.
In the event the Trip Departure Date and/or the Trip Completion
Date are delayed, or the point and time of departure and/or point
and time of return are changed because of circumstances over
which neither the Travel Supplier nor the Covered Traveler have
control, the term of coverage shall be automatically adjusted in
accordance with such delay or change.

What Are Covered Travel Expenses?

Coverage provides reimbursement for the following covered travel
expenses resulting from the cancellation or interruption of the
Covered Traveler’s Trip due to a covered reason:

25
• Non-Refundable prepaid travel expenses charged by the Travel
Supplier; Event Tickets or prepaid fees to theme parks, museums,
golf courses, or other points of interest are not covered unless
such expenses are included as part of a travel package
• Change fees imposed by a Travel Supplier to change the date
and/or time of prescheduled travel arrangements of a Trip that
has not been cancelled; Change fees do not include a change in
Common Carrier fare, Provider of Lodging occupancy rate, or new
Common Carrier fares
• Redeposit fees imposed by the Rewards program administrator

For Trip Interruption only, this benefits reimburses for:

• Costs to return a rental vehicle to the closest rental agency or
the Covered Traveler’s personal vehicle to their closest leased or
owned residence
• When Trip is interrupted due to the need for necessary medical
treatment for a covered reason, ground transportation expenses
up to $250 to directly transport the Covered Traveler to the
airport, terminal or station of departure, and/or between
the arrival airport, terminal or station and their residence;
This does not include transportation in vehicles operated by
a medical facility or specifically designed to transport sick or
injured individuals

What Losses Are Covered?

This benefit provides coverage for the covered reasons listed below.
It doesn’t provide coverage if the Covered Traveler simply chooses to
change plans, is not feeling well but still able to travel, or the Covered
Traveler can reach their destination but decides not to travel. Any
event/incident that occurred prior to the Trip being booked is not
covered. Please see “What’s Not Covered?” for additional restrictions.
• The Covered Traveler or their Traveling Companion dies, or
suffers an Accidental Bodily Injury, a disease or physical illness
and is advised by a Physician to cancel or interrupt their Trip
• The Covered Traveler’s or their Traveling Companion’s Family
Member dies, suffers an Accidental Bodily Injury, a disease
or physical illness that is considered life threatening, requires
hospitalization, or requires care by the Covered Traveler or their
Traveling Companion and is verified by a Physician
• Severe Weather that occurs:
A) at the Covered Traveler’s place of permanent residence, the
Covered Traveler’s point of origin of the Trip prior to departure
or the path between both; or
B) within fifty (50) miles of the airport, terminal, station, Provider
of Lodging listed on the Covered Traveler’s travel itinerary and/
or Host at Destination location; and which:
1) prevents a reasonable and prudent person’s ability to safely
travel to the departure point of a Common Carrier on which
the Covered Traveler is scheduled to travel, or
2) requires the Covered Traveler to safely remain at a booked
Provider of Lodging listed on their travel itinerary, or a Host
at Destination location; or
3) causes the cessation of operation of a Common Carrier for
which the Covered Traveler is scheduled to travel resulting
in the Covered Traveler:
a) missing at least 20% of the scheduled duration of the
Trip; or

26
 b) missing the departure of a prepaid cruise, or tour
(booked through a Tour Operator) that they are
scheduled to take;
4) causes a Provider of Lodging with which the Covered
Traveler has booked accommodations to cease
normal operations
• Named Storm Warning, a warning issued by a meteorological
society with jurisdiction to issue such warning, during dates of the
Covered Traveler’s scheduled travel, for a named storm that is
occurring or is imminently expected to occur within fifty (50) miles
of the airport, terminal, or station they are scheduled to depart
from or arrive to, or their booked Provider of Lodging, and/or
Host at Destination location; a Named Storm Warning does not
include a government’s declaration of a state of emergency in
absence of a Named Storm Warning
• Change in military orders for the Covered Traveler or their
spouse/Domestic Partner
• The Covered Traveler is called to jury duty or receives a subpoena
from the courts, neither of which can be postponed or waived
• Covered Traveler’s or their Traveling Companion’s place
of permanent residence being made uninhabitable, being
burglarized, or damaged by fire or flood
• Covered Traveler’s or their Traveling Companion’s Provider of
Lodging listed on the itinerary and/or Host at Destination location
being made uninhabitable
• The death or hospitalization of the Covered Traveler’s or their
Traveling Companion’s Host at Destination
• Quarantine of the Covered Traveler or their Traveling Companion
imposed by a licensed medical practitioner or by a competent
governmental authority having jurisdiction, due to either having,
or being suspected of having, a contagious disease, infection, or
contamination which requires medical isolation
• An organized strike affecting public transportation which causes
the Covered Traveler or their Traveling Companion to a) miss at
least 20% of the scheduled duration of the Trip; or b) miss the
departure of a prepaid cruise, or tour (booked through a Tour
Operator) that the Covered Traveler is scheduled to take

The following covered reasons are specific to Trip Cancellation:

• A Terrorist Incident within twenty-five (25) miles of the Covered
Traveler’s or their Traveling Companion’s place of permanent
residence within thirty (30) days of their Trip Departure Date;
or a Terrorist Incident within twenty-five (25) miles of an
airport, Provider of Lodging listed on the itinerary and/or Host
at Destination location within thirty (30) days of the scheduled
arrival; Trips booked to any area known to be associated with
Terrorist Activity are not covered
• A Travel Warning due to terrorism issued by the branch of the
United States Government with jurisdiction to issue such warning
for the immediate vicinity of the Covered Traveler’s or their
Traveling Companion’s place of permanent residence within
ten (10) days of the Trip Departure Date
• A Travel Warning due to terrorism issued by the United States
Department of State or other branch of the United States
Government with jurisdiction to issue such warning for a
geographic area within twenty-five (25) miles of an airport,

27
 Provider of Lodging, and/or Host at Destination location that is
in effect within thirty (30) days immediately preceding the Trip
Departure Date

The following covered reasons are specific to Trip Interruption:

• Terrorist Incident within twenty-five (25) miles of an airport,
Provider of Lodging listed on the Covered Traveler’s itinerary
and/or Host at Destination location while on a Trip; Trips booked
to any area known to be associated with Terrorist Activity are
not covered
• Travel Warning due to terrorism issued by the United States
Department of State or other branch of the United States
Government with jurisdiction to issue such warning for a
geographic area within twenty-five (25) miles of an airport,
Provider of Lodging, and/or Host at Destination location that
is issued during the Covered Traveler’s or their Traveling
Companion’s Trip

Please Pay Special Attention to These Conditions:

• Be aware of the Travel Supplier’s cancellation provisions. If the
Covered Traveler suffers a loss causing Trip Cancellation or
Trip Interruption, they must immediately notify the appropriate
Travel Supplier. If such notification by the Covered Traveler does
not occur and failure to notify the Travel Supplier results in the
surrender of Non-Refundable covered travel expenses, that
would have otherwise been refundable had they notified the
Travel Supplier, no benefit shall be payable. If a loss prevents the
Covered Traveler from providing the notification, the benefit may
still apply.
• No coverage will be provided for a Trip that is scheduled to last
longer than sixty (60) days.
• In the event the Covered Traveler’s Trip Cancellation or Trip
Interruption results in the issuance of a credit voucher by the
Travel Supplier for the value of the unused portion of the Trip,
no benefits shall be payable for that portion of the covered travel
expenses for which the credit voucher was issued until it expires.
• We will not reimburse additional transportation expenses
incurred by the Covered Traveler other than those described
above. This includes the difference in cost between the original
fare or any new fare to return home or rejoin the Trip.
This benefit is secondary and payable on an excess basis over and
above any amount due from any other valid or collectible insurance
or any other form of reimbursement payable by those responsible
for the loss.

What’s Not Covered?

This benefit does not apply to any loss caused by or resulting from,
directly or indirectly:

• A change in plans, financial circumstances, and/or any business

or contractual obligations of the Covered Traveler or their
Traveling Companion and their Family Members
• A Pre-existing Condition or any other event that occurs or
commences prior to the initial deposit date or booking date
of the Trip; Pre-existing Condition means illness, disease or
Accidental Bodily Injury, for which medical advice, diagnosis,
care or treatment was recommended or received within the
sixty (60) day period immediately prior to the initial deposit

28
 or booking date (whichever occurs first) of a Trip; the taking
of prescription drugs or medication for a controlled condition
throughout this sixty (60) day period will not be considered to be
a treatment of illness or disease; additionally, regular antenatal
care, through twenty-six (26) weeks gestation, provided it is a
single, uncomplicated pregnancy which does not arise from
services or treatment associated with an assisted reproductive
program, including but not limited to in vitro fertilization, is not
considered to be a treatment of illness or disease
• Any loss due to the voluntary surrender of unused vouchers,
tickets, credits, coupons, or travel privileges available to
the Covered Traveler from the Travel Supplier prior to their
expiration date
• Travel arrangements that are scheduled to take place after the
twenty-sixth (26th) week of pregnancy; or when any multiple
pregnancy, with or without complications, occurs prior to the
initial deposit date or booking date of the Trip; or any pregnancy
associated with an assisted reproductive program, such as in
vitro fertilization
• Any loss for any Trip booked while on a waiting list for specified
medical treatment
• Any loss for any Trip that is booked for the purpose of obtaining
medical treatment
• Disinclination to travel due to civil unrest
• Failure of the Covered Traveler or their Traveling Companion to
obtain necessary visas, passports, or other documents required
for travel, including documents required by a Common Carrier or
country such as a vaccine passport
• Covered Traveler’s or their Traveling Companion’s commission or
attempted commission of any illegal act, including any felony
• Covered Traveler’s or their Traveling Companion’s suicide,
attempted suicide, or intentionally self-inflicted injury
• Covered Traveler or their Traveling Companion being under the
influence of any narcotic, legal recreational marijuana, or other
controlled substance at the time of a loss (except if the narcotic
or other controlled substance is taken and used as prescribed by
a Physician)
• A country closing its borders, or a Travel Supplier cancelling or
changing travel arrangements or Covered Traveler’s or their
Traveling Companion’s disinclination to travel due to an epidemic
or pandemic
• Default or financial insolvency of the Travel Supplier (Please
contact Chase Disputes or the number on the back of Your
Covered Card if the Trip has been canceled due to default or
financial insolvency)
• War, undeclared war, civil war, insurrection, rebellion, revolution,
warlike acts by a military force or personnel, any action taken in
hindering or defending against any of these, the destruction or
seizure of property for a military purpose, or any consequences
of any of these acts; War does not include terrorism
• Any event/incident that occurred prior to the Trip being booked is
not covered
• The Trip being cancelled or interrupted for any reason not
covered under “What Losses Are Covered?”

29
How Do You File a Claim?
Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362 within
twenty (20) days of the Trip Cancellation or Trip Interruption or as
soon as reasonably possible.
2. We will ask You a few questions and let You know what
documentation is needed. The requested documents
must be submitted within ninety (90) days or as soon as
reasonably possible.

Documents You May Need to Provide

When You file a claim, We will provide the details, but
generally You should be prepared to send:
• Travel itinerary
• Documentation confirming the reason for Trip Cancellation or
Trip Interruption (e.g., medical documents, death certificate, etc.)
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment
for the Trip was made on Your Covered Card and/or with
redeemable Rewards
• Copies of the cancellation or refund policies of providers involved
in the Trip
• Proof of covered travel expenses incurred due to a
Trip Interruption
• Any unused vouchers, tickets, or coupons
• Any other documentation deemed necessary by Us to
substantiate the claim

Definitions
Accidental Bodily Injury - bodily injury, which is sudden,
unforeseen, and unexpected; happens by chance; is
independent of illness and disease and is the direct cause of
a loss
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Common Carrier - a mode of transportation that’s licensed
to transport any public passenger who pays a fare or buys
a ticket, and is available on a regular schedule. Examples
include planes, trains, ferries and cruise ships, but does
not include taxis, car service, rental car, rideshare service,
commuter rail or commuter bus lines
Covered Card - the credit card or Account that is eligible for
benefits as designated by JPMorgan Chase Bank, N.A. and/or
its affiliates
Covered Traveler - You and Your Family Member
Domestic Partner - a committed relationship between two
unmarried adults, in which the partners, (1) are each other’s
sole Domestic Partner, (2) maintain a common residence, (3)
share at least one (1) of the following financial arrangements:
a joint mortgage or lease, a joint bank account, joint title to
or ownership of a motor vehicle or status as a joint lessee
on a motor vehicle lease or a joint credit card account with
a financial institution, (4) are not married or joined in a civil
union to anyone else or are not the Domestic Partner of
anyone else, and (5) are not blood related

30
Event Ticket - a ticket for an event that is scheduled to take
place while on a Trip; the name of the event, the date on
which the event is to take place, and the event venue must be
clearly indicated on the ticket
Family Member - an individual’s: spouse or Domestic Partner, and
parents thereof; sons and daughters, including adopted children
and stepchildren; legal guardians or wards; parents, including
stepparents; brothers and sisters; grandparents and grandchildren;
aunts or uncles; nieces or nephews; spouses or Domestic Partners of
any individual of this definition
Host at Destination - a person with whom pre-arranged
overnight accommodations were made to stay at the
host’s home
Non-Refundable - amount charged to Your Covered Card and/or
redeemable Rewards used for a Trip:

• which will be forfeited under the terms of the agreement made

with the Travel Supplier for unused travel arrangements; and
• for which the Travel Supplier will not provide any other form of
compensation; or
• for which the Rewards administrator will not provide
reimbursement of Rewards

Physician - a licensed medical practitioner acting within the scope of

their license to the extent provided by the laws of the jurisdiction in
which medical treatment is provided; The treating Physician cannot
be a Covered Traveler, their Traveling Companion, or Covered
Traveler’s or Traveling Companion’s Family Member, employer or
business partner; Physician does not include massage therapists or
physical therapists
Provider of Lodging - a hotel, inn, motel, bed and breakfast,
hostel, residential rental properties (such as Airbnb and Vrbo)
and timeshares
Rented Recreational Vehicle Provider - a commercial rental
company licensed under the laws of the applicable jurisdiction and
whose primary business is renting watercraft, bareboat chartered
boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow
mobiles or any other motorized vehicle used for recreational
purposes, unless stated otherwise or an exclusion applies
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
Severe Weather - any dangerous meteorological phenomena with
the potential to cause major damage, serious social disruption, or
loss of human life; Severe Weather also includes wildfire related
smog and volcanic ash
Terrorist Activity - multiple Terrorist Incidents or Travel Warnings
related to terrorism that have occurred within the twelve (12)
months prior to the initial deposit date or booking date of a Trip
located within twenty-five (25) miles of an airport, Provider of
Lodging listed on the Covered Traveler’s itinerary and/or Host at
Destination location
Terrorist Incident - the use or intended use of any bomb, nuclear,
biological, or chemical agent dangerous to human life; or any
violent act of a single individual resulting in mass casualties; or

31
any violent act of a terrorist organization or cell resulting in mass
casualties. The terrorist act must be intended to intimidate or coerce
a civilian population, to influence the policy of a government by
intimidation or coercion, or to affect the conduct of a government by
mass destruction
Tour Operator - an entity which organizes travel components into
packaged arrangements for sale directly to the travelling public
Travel Supplier - a travel agency, or Tour Operator, Common
Carrier, or Provider of Lodging, or occupancy provider, or rental
car agency, or Rented Recreational Vehicle Provider, or commercial
recreational excursion provider.
Travel Warning - a warning, issued by the United States Department
of State or other United States governmental authority with
jurisdiction to issue travel advice, that travel is not advisable due to
an imminent, credible, and specific terrorist threat; Travel Warning
does not include general travel advisories in the absence of an
imminent, credible, and specific terrorist threat
Traveling Companion - any individual traveling with You or Your
Family Member on a Trip
Trip - prepaid travel arrangements booked through a Travel Supplier
when a portion or the entire cost of the Trip was paid using the
Covered Card and/or redeemable Rewards, and which does not
exceed sixty (60) consecutive days in duration
Trip Cancellation - the cancellation of travel arrangements due to a
loss when the Covered Traveler is prevented from traveling on a Trip
on or before the Trip Departure Date
Trip Completion Date - the date on which the Covered Traveler
is scheduled to return to the point of origin or to a different
final destination
Trip Departure Date - the date on which the Covered Traveler is
scheduled to leave on the Trip
Trip Interruption - the interruption of the Covered Traveler’s Trip
either on the way to their point of departure or after departure of
the Trip
War - hostilities following a formal declaration of war by a
governmental authority; in the absence of a formal declaration of
war by a governmental authority, armed, open and continuous
hostilities between two (2) countries or armed, open and continuous
hostilities between two (2) factions, each in control of territory or
claiming jurisdiction over the geographic area of hostility
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

TCTI_CON_$10K CT_$20K TRIP_2024315

32
Trip Delay Reimbursement
This benefit provides reimbursement for reasonable expenses
incurred by the Covered Traveler during a delay due to a covered
reason while on a Trip. This benefit applies if the Covered Traveler’s
Common Carrier is delayed for more than twelve (12) hours or
requires an overnight stay. The maximum benefit is $500 per
Covered Traveler per Trip.
The Covered Traveler is covered when You charge all or a portion of
the cost of the Common Carrier fare to Your Covered Card and/or
use redeemable Rewards. Covered Travelers do not need to be
traveling with You for benefits to apply.

When is the Covered Traveler Covered?

Benefits begin on the Trip Departure Date and end on the Trip
Completion Date.
In the event the Trip Departure Date or Trip Completion Date
are delayed or changed by the Common Carrier because of
circumstances over which the Covered Traveler nor the Common
Carrier have control, the term of coverage shall be automatically
adjusted in accordance with such change.

What’s Covered?
This benefit covers reasonable additional expenses incurred by
the Covered Traveler during the delay, until travel by the Covered
Traveler becomes possible. Reasonable expenses include meals,
lodging, toiletries, and medication.
To take advantage of this benefit, the delay must occur due to
equipment failure, inclement weather, strike, or hijacking/skyjacking.
This benefit is secondary and payable on an excess basis over and
above any amount due from any other valid or collectible insurance
or any other form of reimbursement payable by those responsible
for the loss.

How Do You File a Claim?

Follow these steps to file a claim:
1. Visit chasecardbenefits.com or call 1-800-350-1362 within
sixty (60) days of the Trip delay or as soon as reasonably possible.
2. We will ask You a few questions and let You know what
documentation is needed. The requested documents must be
submitted within one hundred (100) days of the of the delay or as
soon as reasonably possible.

Documents You May Need to Provide

When You file a claim, We will provide the details, but generally You
should be prepared to send:

• Travel itinerary
• Covered Card Account statement (showing the last four (4) digits
of the Account number) demonstrating that the payment for the
Common Carrier fare was made on Your Covered Card and/or
with redeemable Rewards
• Statement from the Common Carrier explaining the reason for
the delay
• Copies of itemized receipts for claimed expenses
• Any other documentation deemed necessary by Us to
substantiate the claim

33
Definitions
Account - the credit card Account issued by
JPMorgan Chase Bank, N.A. and/or its affiliates
Common Carrier - a mode of transportation that’s licensed to
transport any public passenger who pays a fare or buys a ticket, and
is available on a regular schedule. Examples include planes, trains,
ferries and cruise ships, but does not include taxis, car service, rental
car, rideshare service, commuter rail or commuter bus lines
Covered Card - the credit card or Account that is eligible for benefits
as designated by JPMorgan Chase Bank, N.A. and/or its affiliates
Covered Traveler - You and Your Family Member
Domestic Partner - a committed relationship between two
unmarried adults, in which the partners, (1) are each other’s sole
Domestic Partner, (2) maintain a common residence, (3) share
at least one (1) of the following financial arrangements: a joint
mortgage or lease, a joint bank account, joint title to or ownership
of a motor vehicle or status as a joint lessee on a motor vehicle lease
or a joint credit card account with a financial institution, (4) are not
married or joined in a civil union to anyone else or are not the
Domestic Partner of anyone else, and (5) are not blood related
Family Member - an individual’s: spouse or Domestic Partner, and
parents thereof; sons and daughters, including adopted children
and stepchildren; legal guardians or wards; parents, including
stepparents; brothers and sisters; grandparents and grandchildren;
aunts or uncles; nieces or nephews; spouses or Domestic Partners of
any individual of this definition
Rewards - points, miles, cash rewards, or any other type of
redeemable Rewards associated with Your Covered Card, provided
that all Rewards have been accumulated by You through use
of a JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
Rewards program
Trip - any pre-paid travel when a portion or the entire cost of a
round trip or one way Common Carrier fare was paid using the
Covered Card and/or redeemable Rewards
Trip Completion Date - the date on which the Covered Traveler
is scheduled to return to the point of origin or to a different
final destination
Trip Departure Date - the date on which the Covered Traveler is
scheduled to leave on the Trip
We, Us and Our - Virginia Surety Company, Inc., an Assurant
company, the insurance company that provides these benefits for
the Covered Card
You and Your - an individual to whom a Covered Card Account has
been issued by JPMorgan Chase Bank, N.A. and/or its affiliates

TD_CON_12 HRS_$500_20240311

34
Additional Terms
This Guide is not, by itself, a policy or contract of insurance or
other contract.
Benefits are purchased and provided complimentary to You by
JPMorgan Chase Bank, N.A. and/or its affiliates.
The insurance benefits are provided under a Group Policy of
insurance issued by Virginia Surety Company, Inc. (“VSC”), an
Assurant company. The Descriptions of Coverage (“DOCs”) in this
Guide are intended as a summary of benefits provided to You. The
DOCs and all the information about these benefits listed in these
Additional Terms is governed by the conditions, limitations, and
exclusions of the Group Policy.

Privacy Notice:
As the provider of benefits, Virginia Surety Company, Inc. collects
personal information about You from the following sources:
information the provider gathers from You, from Your request for
benefits or other forms You furnish to the provider, such as Your
name, address, telephone number, and information about Your
transactions with the provider such as claims made and benefits
paid. The provider may disclose all information it collects, as
described above, to its affiliates, subsidiaries and partners, as well as
to non-affiliated third parties that perform administrative or other
services on our behalf solely in connection with the benefits You
have received. By providing this information to the provider, You
agree that the provider may use Your information in accordance
with this Privacy Notice, such as to provide benefits entitled to
You, and to meet regulatory and contractual requirements relating
to the benefits provided to You. The provider uses commercially
reasonable physical, electronic, and procedural safeguards that
comply with federal regulations to maintain the confidentiality of
Your personal information. The provider takes appropriate technical
and organizational measures to protect Your personal information
from accidental or unlawful destruction, accidental loss, and
unauthorized alteration, disclosure, or access. The provider does
not disclose any personal information about former beneficiaries to
anyone, except as required by law. The provider restricts access to
personal information about You to those authorized individuals or
third parties who reasonably need to know that information in order
to provide benefits to You.
Should You have any questions about the procedures or the
information contained within Your file, please contact the provider
by writing to:
Virginia Surety Company, Inc.
The Assurant Privacy Office
Post Office Box 979047, Miami, FL 33197-9047

Effective date of benefits:

Effective 10/01/24, this Guide replaces all prior disclosures, program
descriptions, advertising, and brochures by any party. We reserve
the right to change the benefits and features of these programs
at anytime.
Cancellation:
These benefits can be cancelled at any time or non-renewed for
You. In the event a benefit is cancelled or non-renewed, You will be
notified as required by law. Coverage will still apply for the benefit
prior to the date of such cancellation or non-renewal, subject

35
to the terms and conditions of coverage. The provider of these
benefits shall not be required to give notice if substantially similar
coverage has been obtained from another provider without a lapse
of coverage.
Benefits to You: These benefits apply to cards issued in the
United States by JPMorgan Chase Bank, N.A. and/or its affiliates.
No person or entity other than You shall have any legal or equitable
right, remedy, or claim for benefits, insurance proceeds and
damages under or arising out of these programs. These benefits do
not apply if Your Account has been suspended or cancelled.
Transfer of rights or benefits: No rights or benefits provided
hereunder these benefits may be assigned without the prior written
consent of the claim administrator for these benefits.
Illegal Activity, Misrepresentation and Fraud: Benefits shall
not be provided if You or any covered person has been involved
in any illegal activity or concealed or misrepresented any material
facts concerning these benefits. If providing benefits would violate
United States economic or trade sanctions, the coverage will not
be provided.
Dispute Resolution-Arbitration
(not applicable to NY Residents):
Read The Following Arbitration Provision (this “Arbitration Provision”)
Carefully. It Limits Certain Of Your Rights, Including Your Right To A
Jury Trial And To Obtain Redress Through Courts.
Any and all claims, disputes, or controversies of any nature
whatsoever (whether in contract, tort or otherwise), including
statutory, common law, fraud (whether by misrepresentation
or by omission) or other intentional tort, property, or equitable
claims) arising out of, relating to, or in connection with (1) this
DOC, or (2) the validity, scope, interpretation, or enforceability of
this Arbitration Provision or of the entire DOC (“Claim”), shall be
resolved by binding arbitration before a single arbitrator. Unless You
and VSC mutually agree on an alternative, the arbitration will take
place in the county and state where You live. All arbitrations shall
be administered by the American Arbitration Association (“AAA”)
in accordance with its Expedited Procedures of the Commercial
Arbitration Rules of the AAA in effect at the time the Claim is filed.
The terms of this Arbitration Provision shall control any inconsistency
between the AAA’s Rules and this Arbitration Provision. You may
obtain a copy of the AAA’s Rules by calling (800) 778-7879. Upon
written request VSC will advance to You either all or part of the fees
of the AAA and of the arbitrator after You have been unsuccessful
in obtaining a waiver of fees and costs from the AAA. The arbitrator
will decide whether You or VSC will be responsible for these fees.
The arbitrator shall apply relevant substantive federal and state
law and applicable statutes of limitations and shall provide written,
reasoned findings of fact and conclusions of law. This Arbitration
Provision is part of a transaction involving interstate commerce and
shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.
If any portion of this Arbitration Provision is deemed invalid or
unenforceable, it shall not invalidate the remaining portions of this
Arbitration Provision, except that in no event shall this Arbitration
Provision be amended or construed to permit arbitration on behalf
of a group or class. For the purpose of this Arbitration Provision,
“VSC” shall be deemed to include Virginia Surety Company, Inc.
and all of its affiliates, successors and assigns, their respective
principals, partners, officers and directors and all of the dealers,
licensees, agents, and employees of any of the foregoing entities.
36
This Arbitration Provision shall inure to the benefit of and be binding
on You and each of the aforementioned persons and entities.
This Arbitration Provision shall continue in full force and effect
subsequent to and notwithstanding the expiration or termination of
the Group Policy.
No Class Actions/No Joinder of Parties: You agree that any
arbitration proceeding will only consider Your Claims. Claims
by, or on behalf of, other individuals will not be arbitrated in
any proceeding that is considering Your Claims. You also agree
that You will not join with others to bring Claims in the same
arbitration proceeding.
YOU AND VSC UNDERSTAND AND AGREE THAT BECAUSE OF THIS
ARBITRATION PROVISION NEITHER YOU NOR VSC WILL HAVE
THE RIGHT TO GO TO COURT EXCEPT AS PROVIDED ABOVE OR TO
HAVE A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A
CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM.
Due Diligence: All parties are expected to exercise due diligence to
avoid or diminish any theft, loss or damage to the property covered
under these programs. “Due diligence” means the performance of
all vigilant activity, attentiveness, and care that would be taken by a
reasonable and prudent person in the same or similar circumstances
in order to guard and protect the item.
Subrogation: If payment is made under this benefit, the provider
is entitled to recover such amounts from other parties or persons.
Any party who receives payment under this benefit must transfer to
the provider his or her rights to recovery against any other party or
person and must do everything necessary to secure these rights and
must do nothing that would jeopardize them.
Salvage: If an item is not repairable, the administrator may
request You send the item to the administrator for salvage at Your
expense. Failure to remit the requested item for salvage to the claim
administrator may result in denial of the claim.
Secondary Insurance: Coverage is secondary to any other
applicable insurance or indemnity available to You unless indicated
within the Guide. Coverage is limited to only those amounts not
covered by any other insurance or indemnity. It is subject to the
conditions, limitations, and exclusions described in this Guide. In no
event will insurance benefits apply as contributing insurance. The
non-contribution insurance clause will take precedence over the
non-contribution clause found in any other insurance policies.
Conformity of Statute: If benefit coverage does not conform to
applicable provisions of State or Federal law, the benefit coverage is
hereby amended.
Benefits listed in this Guide are subject to the conditions, limitations,
and exclusions described in each benefit section. Receipt and/or
possession of this Guide does not guarantee coverage or
coverage availability.

ADDITIONAL TERMS_20240311

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US: Call 1-800-350-1362
International: 001-214-503-2951

Visit chase.com/mycardbenefits to see all

the benefits that come with your card.

BGC11387