Wells Fargo Platinum Visa ® Card Guide to Benefits

Your Guide to Benefits describes the benefits in effect as of 09/01/2024. Benefits information in this guide replaces any prior benefits information you may have received. Please read this guide in its entirety and retain for Your records. While you may not be eligible for coverage of losses under one benefit, you may qualify for coverage under a different benefit.

For questions about Your account, balance, or rewards points, please call the customer service number on Your credit card statement or on the back of Your card.

Section 1 - Shopping Benefits

Cellular Telephone Protection

What is Covered

• You must pay the monthly Wireless Bill using Your Covered Card; and
• Wireless Bill charge must post to the Covered Card Account the month immediately preceding the occurrence of the Cell Phone being Damaged, Stolen, or unrecoverable due to Involuntary and Accidental Parting.

Coverage is provided for all Cell Phones with lines that appear on the Wireless Bill.

How Long are You Covered

Coverage starts the first day of the calendar month following the posting of the Wireless Bill charge to the Covered Card Account.

If You fail to make a payment of the Wireless Bill with the Covered Card in a particular month:

• Coverage is suspended beginning the first day of the calendar month following the month in which a charge of the Wireless Bill is not posted to the Covered Card Account; and
• Coverage resumes on the first day of the calendar month following the date of any future posting of a charge of the Wireless Bill to the Covered Card Account.

Deductible

The amount of $25 per claim will be deducted from the amount reimbursed for the repair or replacement of the Cell Phone.

Maximum Coverage per Cell Phone

Coverage is limited to the lesser of the following:

• The cost to repair the Cell Phone, less the deductible.
• The cost to replace the Cell Phone with similar features and functionality at the current market value at time of loss, less the deductible.
• $600 per claim.

Maximum Coverage per Covered Card

Coverage is limited to:

• A maximum of 2 paid claims per 12 month period.
• $1,200 per 12 month period.

Coverage is supplemental to and excess of valid and collectible insurance or indemnity (including, but not limited to, cellular wireless telephone insurance programs, homeowner’s, renter’s, automobile, or employer’s insurance policies). After all insurance or indemnity has been exhausted, We will provide coverage
subject to the terms, conditions, exclusions, and coverage limits of this benefit.

Definitions

• Account means a Wells Fargo Bank, N.A. credit card account.
• Cell Phone means a wireless telephone that can place and receive cellular telephone calls and appears on Your Wireless Bill. Cell Phone does not include tablets, smartwatches or any other device on Your Wireless Bill or connected to a cellular service other than a wireless telephone.
• Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
• Damage means the Cell Phone can no longer perform function(s) as intended in normal service due to broken parts, material or structural failures.
• Involuntary and Accidental Parting means an unintended separation from Your Cell Phone when its location is known, but recovery is impractical to complete.
• Stolen or Theft means the Cell Phone was taken by force and/or under duress or the disappearance of the Cell Phone from a location under circumstances that would indicate the probability of theft and for which a police report has been filed.
• We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
• Wireless Bill means Your Cell Phone providers’ monthly billing statement that includes charges for data, cellular service, or installment payments for the Cell Phone.
• You or Your means the person whose name is embossed on the Covered Card.

What is NOT Covered

• Any Cell Phone purchased for resale.
• Any Cell Phone purchased for professional or commercial use.
• Any Cell Phone that is lost (i.e., mysteriously disappears) without any evidence of a wrongful act.
• Cracked screens, cosmetic damage or scratches that do not impact the Cell Phone’s capabilities or functionality.
• Any Cell Phone accessories other than the original equipment that came in the original Cell Phone packaging.
• A loss when a Cell Phone is under the care, custody, and control of another party or common carrier (including, but not limited to, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).
• A loss due to fraud, abuse, gradual deterioration, vermin, inherent product defects, product recalls, war (whether it be declared or not) or hostilities of any kind (including but not limited to, invasion, rebellion or insurrection, radioactive contamination, or risks of contraband).
• A loss resulting from confiscation by any government, public authority or customs official.
• An Act of God (including but not limited to, flood, hurricane or earthquake), or consequential losses resulting from any Act of God.
• A fraudulent act(s) committed or arranged by You.
• A loss arising from illegal activity or acts.
• A loss due to misdelivery or voluntary parting with the Cell Phone.
• Taxes, delivery & transportation charges and any fees associated with the Cell Phone service provider.
• Consequential or incidental damages.
• The loss or corruption of data and applications.
• Any Cell Phone that is not on the Wireless Bill.
• Tablets, smartwatches or any other device on Your Wireless Bill or connected to a cellular service other than a wireless telephone.

How to File a Claim

To file a claim, call 1-800-316-8051 (all relay calls are accepted, including 711) or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify us of the loss within sixty (60) days of the loss or as soon as reasonably possible.

You will be asked to provide the following documentation to substantiate the claim:

• A copy of Your Wireless Bill demonstrating that the entire monthly payment for the Wireless Bill was made the month prior to the date of Damage or Theft or Involuntary and Accidental Parting, and has been paid with the Covered Card.
• If Your Wireless Bill doesn’t show payment with the Covered Card, a copy of Your Covered Card monthly billing statement that corresponds with the above Wireless Bill.
• A copy of the device summary page from Your Wireless Bill or other sufficient proof of the claimed Cell Phone model linked to Your Wireless Bill account.
• If the claim is due to Theft or criminal action, a copy of the police report is required.
• Documentation (if available) of any other claim settlement such as Your cell phone provider or manufacturer’s insurance settlement (if applicable).
• Any other documentation deemed necessary in Our sole discretion, to substantiate Your claim, including but not limited to:
  • An itemized repair estimate from an authorized cell phone repair facility.
  • An itemized store receipt for the replacement Cell Phone.

  The requested documents must be submitted within one hundred twenty (120) days of the loss or the claim may not be honored.

  Depending on the nature and circumstances of Your claim, We may choose to reimburse You for the cost to repair or replace Your Cell Phone for the lesser of the following:

  • The cost to repair the Cell Phone, less the deductible.
  • The cost to replace the Cell Phone with similar features and functionality at the current market value at time of loss, less the deductible.
  • $600 per claim.

  We will notify You of Our decision once We have processed Your claim. Your claim will be finalized within fifteen (15) business days after We have received all the documentation needed to substantiate Your claim.

  All claims must be fully substantiated as to the time, place, cause, and purchase price of the Cell Phone. If the Cell Phone is Damaged, do not discard it until the claim has been fully reviewed. We may require that You submit Your Cell Phone for evaluation and/or salvage.

  Refer to Additional Terms for more information.

  Section 2 - Travel Benefits

  Emergency Cash Disbursement and Card Replacement

  Lost, stolen, or damaged card? Need emergency card or cash? Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days, in some cases, within 24 hours, after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account will apply. Cardholder is responsible for any additional charges or fees that may be applied by parties other than Wells Fargo for these transactions. Please refer to your Card Account Agreement for more details. This benefit is available on all Visa credit cards.

  Who do I contact for help?

  If You need to replace Your card or want help with receiving emergency cash, contact the Visa Global Customer Care Services at the following number: 1-800-397-9010 (all relay calls are accepted, including 711) or call the Visa direct line 1-303-967-1096 (all relay calls are accepted, including 711) 24 hours a day, seven days a week.

  How do I get emergency cash?

  Once You call the Visa Global Customer Care Services associate at the above phone numbers, They will work with you and your financial institution for approval. Visa will arrange a convenient location for you to collect the emergency cash.

  How do I replace my card?

  If your card is lost, stolen or damaged, call a Visa Global Customer Care Services associate at 1-800-397-9010 (all relay calls are accepted, including 711) or call one of our global toll-free-numbers located within the Visa website: https://usa.visa.com/support/consumer/lost-stolen-card.html. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Visa will work with you and your financial institution for approving Your card and will arrange delivering Your card directly to you or at a different collection location.

  How do I report a lost or stolen card?

  Travel and Emergency Assistance Services

  Travel and Emergency Assistance Services are made available to help the Covered Traveler in case of an emergency while traveling away from home. We can connect the Covered Traveler with the appropriate local emergency and assistance resources available, 24 hours a day, 365 days a year. Any information or referral We provide is free, but the Covered Traveler will have to pay for any services used, such as medical care or legal advice. Please note that due to occasional issues such as distance, location, or time, We cannot be 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 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 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 Us to guarantee service. Should the Covered Traveler have doubt about the availability of service at their intended travel destination, they may contact us at 1-800-316-8051 (all relay calls are accepted, including 711) to verify.

  Definitions

  • Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
  • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
  • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
  • You or Your means the person whose name is embossed on the Covered Card.

  Covered Travelers means You, Your spouse or Domestic Partner and Your Dependent Children traveling on the trip.

  Dependent Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon You for maintenance and support, and who: 1) are under the age of nineteen (19), and reside with You; 2) are under the age of twenty-five (25) and classified as full-time students; or 3) have a permanent physical or intellectual disability and are incapable of self-support.

  Domestic Partner means 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 financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status 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.

  Note: You are still eligible for services on trips for Covered Traveler(s) even if You are not traveling with the Covered Traveler(s).

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

  We connect the Covered Traveler with the following services when needed:

  • Emergency Message Service— can relay emergency messages for Covered Travelers. We will use reasonable efforts 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. We can give the Covered Traveler 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; keep in contact with their family, and provide continuing liaison; and help the Covered Traveler arrange medical payments from their personal account. All costs are the Covered Traveler’s responsibility.
  • Legal Referral Assistance — can arrange 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, We can coordinate bail payment from the Covered Traveler’s personal account. We can also follow up to make sure bail has been properly handled. All costs are the Covered Traveler’s responsibility.
  • Emergency Transportation Assistance — can help the Covered Traveler make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This includes arranging 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, We can make arrangements 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.
  • Lost Luggage Locator Service — can help 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 Services — provides telephone assistance in all major 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 — can help the Covered Traveler fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of their prescriptions filled for them at local pharmacies. It can also help transport critical documents they may have left at home or elsewhere. All costs are the Covered Traveler’s responsibility.
  • Pre-Trip Assistance — can give 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.
  • Cash Advance Assistance — Emergency funds will be arranged and made available to the Covered Traveler, from the Covered Traveler’s personal account in the event money is lost, stolen, or inaccessible due to events such as banking holidays. All costs are the Covered Traveler’s responsibility.

  HOW TO REQUEST HELP 24 HOURS A DAY

  Call 1-800-316-8051 (all relay calls are accepted, including 711) in the United States, or call collect internationally at 1-800-348-0767 (all relay calls are accepted, including 711).

  Services are not insurance and are performed by a third party provider.

  Refer to Additional Terms for more information.

  Auto Rental Collision Damage Waiver

  • You must pay for all of the cost to rent the car with Your Covered Card and/or rewards program associated with Your Covered Card Account.
  • You must decline the rental company’s collision loss/damage insurance.

  How Long are You Covered

  The length of the Rental Car agreement with a maximum rental period of fifteen (15) consecutive days in the United States, and thirty-one (31) consecutive days outside the United States.

  Where are You Covered

  Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.

  Some countries or car rental agencies require a letter of coverage. Please check with the rental agency before You go. If a letter of coverage is required call 1-800-316-8051 (all relay calls are accepted, including 711) or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

  Maximum Coverage

  Definitions

  • Account means a Wells Fargo Bank, N.A. credit card account.
  • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
  • Rental Car means a motor vehicle with at least four wheels that is designed to be driven on public roads. Vans are not covered, except those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
  • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
  • You or Your means the person whose name is embossed on the Covered Card.

  WHO'S COVERED

  You and any authorized driver, designated or listed on the rental car agreement, with a valid driver’s license.

  WHAT'S COVERED

  To take advantage of this benefit, the following conditions apply:

  • The rental period is no more than fifteen (15) consecutive days within the United States, and thirty-one (31) consecutive days outside of the United States.
  • The Rental Car is:
    • Damaged by an accident, a natural disaster or vandalism; or
    • Stolen.

    You will be reimbursed up to the Maximum Coverage limit for the following in the event of a covered accident or theft:

    • The cost to repair the Rental Car or the actual cash value of the Rental Car, whichever is less.
    • Reasonable towing expenses to the nearest collision repair facility.
    • The loss of use of the rental car.
    • Any additional fees or taxes.

    In the United States, the coverage provided by this benefit is secondary. This means that if You have another insurance policy that will cover the cost of damage or theft to Your rental car, this benefit will cover only the amount Your other policies do not. This benefit does cover deductibles You may have to pay under Your other insurance policies (or that Your employer may have to pay, if You rented the car for business reasons).

    Outside the United States, where this benefit is available, the coverage provided is primary even if You have another insurance policy.

    WHAT'S NOT COVERED

    Coverage does not apply to any claim under the following conditions:

    • The Rental Car is used in a way that goes against Your rental car agreement (such as but not limited to driving recklessly or under the influence of drugs or alcohol) or against clear instructions or warnings posted in the car.
    • The Rental Car was used as a car for hire.
    • The car is rented through a car sharing company that allows individuals to rent out their own car.
    • You or an authorized driver does not take responsible care of the Rental Car.
    • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
    • Loss due to confiscation by authorities or hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities).

    This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or third-party personal property. It does not cover any damages to other cars or property. It does not cover any injury to any party.

    Coverage does not apply to the following charge(s) or expense(s):

    • The diminished value to the Rental Car as a result of the incident.

    Coverage does not apply to the following:

    • Exotic vehicles, meaning vehicles such as but not limited to, Aston Martin, Bentley, Excalibur, Ferrari, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce.
    • Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years).
    • Vans are not covered, except those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
    • Vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.
    • Vehicles that are rented with a driver.

    HOW TO FILE A CLAIM

    Please follow the steps below and pay close attention to the deadlines to make sure You remain eligible for coverage.

    To file a claim, call 1-800-316-8051 (all relay calls are accepted, including 711) or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify us of the loss within sixty (60) days or as soon as reasonably possible after Your rental car is damaged or stolen.

    You will be asked to provide the following documentation to substantiate the claim:

    • A copy of the initial and final rental car agreement (front and back).
    • A copy of the accident report form/statement.
    • A copy of the repair estimate and itemized repair bill.
    • Two (2) photographs of the damaged rental car, if available.
    • A police report, if filed.
    • A copy of the demand letter which indicates the costs You are responsible for and any amounts that have been paid toward the claim.
    • A copy of Your monthly Account billing statement (showing the last 4 digits of the Account number) demonstrating that the entire rental transaction was made on Your Covered Card and/or rewards program associated with Your Covered Card Account.
    • A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if applicable), or other reimbursement showing the costs for which You are responsible, and any amounts that have been paid toward the claim. Or, if You have no applicable insurance or reimbursement, a signed
      statement, (or email from the email address associated with the claim), from You confirming no other insurance or reimbursement will apply, is required.
    • A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates, and deductibles).
    • Any other documentation required to substantiate the claim.

    The requested documents must be submitted within three hundred sixty-five (365) days of the incident or the claim may not be honored. We will notify You of Our decision once We have processed Your claim.

    Your claim will be finalized within fifteen (15) business days after We have received all the documentation needed to substantiate Your claim.

    Refer to Additional Terms for more information.

    Roadside Dispatch ®

    For roadside assistance, call 1-800-847-2869 (all relay calls are accepted, including 711).

    What is Roadside Dispatch?

    Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you. No membership or pre-enrollment is required. No annual dues. No limit on usage.

    For a set price per service call, the program provides:

    • Standard Towing — Up to 5 miles included1
    • Tire Changing — must have good, inflated spare
    • Jump Starting
    • Lockout Service (no key replacement)
    • Fuel Delivery — up to 5 gallons (plus the cost of fuel)
    • Standard Winching

    1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program.

    Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location – Roadside Dispatch will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in your area, and will remain on the phone with you at your request until the police arrive.) You have the convenience of one toll-free phone number and you may save money because their rates are pre-negotiated.

    Dependable roadside assistance is available, 24 hours a day, 7 days a week in the United States. No membership or pre-enrollment is required. Just call Roadside Dispatch toll-free when you need them.

    1-800-847-2869 (all relay calls are accepted, including 711) ~ It’s that easy!

    Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Current fee for a standard service call will be confirmed at the time service is requested. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

    Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Wells Fargo shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other "off road" areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor Wells Fargo provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc. a California corporation.

    $150,000 Worldwide Automatic Common Carrier Travel Accident Insurance

    If You suffer a covered Loss due to an Accident while on a trip, We may provide payment. To be eligible for coverage under this benefit, the Covered Card and/or rewards program associated with Your covered Account must be used to purchase the entire cost of Your Common Carrier fare less redeemable certificates, vouchers, or coupons.

    • riding as a passenger in, entering or exiting the Common Carrier for which the fare was purchased with the Covered Card and/or rewards program associated with Your covered Account;
    • riding as a passenger in, entering or exiting any mode of transportation licensed to carry the public for hire (such as taxi, rideshares (e.g., Uber or Lyft), bus, train or airport limousine) or any courtesy transportation provided without a specific charge (e.g., hotel shuttle), while traveling to or from the airport, terminal or station for which the Common Carrier fare was purchased with the Covered Card and/or rewards program associated with Your covered Account:
      • immediately preceding the departure of the scheduled Common Carrier on which You are a passenger; or
      • immediately following the arrival of the scheduled Common Carrier on which You were a passenger;

      If the purchase of the Common Carrier fare is not made prior to Your arrival at the airport, terminal or station, coverage will begin at the time the Covered Card and/or rewards program associated with Your covered Account is used to purchase the entire cost of Your Common Carrier fare less redeemable certificates, vouchers, or coupons.

      Maximum Coverage

      $150,000 per Account

      Coverage terminates on the date which We pay out 100% of the Maximum Coverage.

      Definitions

      • Accident or Accidental means a sudden, unforeseen, and unexpected event which: 1) happens by chance; 2) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; 3) is the direct cause of Loss.
      • Account means a Wells Fargo Bank, N.A. credit card account.
      • Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
      • Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
      • Domestic Partner means 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 financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status 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 means Your: 1) spouse or Domestic Partner; 2) children including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Family Member also means a spouse’s or Domestic Partner’s children, including adopted children or step children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.
      • Loss means 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 means 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 benefit amount for such amputation.
      • Loss of Hand means 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 benefit amount for such amputation.
      • Loss of Hearing means 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 means death, including clinical death, as determined by the local governing medical authority where such death occurs within one (1) year after an Accident.
      • Loss of Sight means 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 means 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 means the permanent, irrecoverable and total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician.
      • Loss of Thumb and Index Finger means 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 benefit amount for such amputation.
      • Physician means a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include You or a Family Member.
      • Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been purchased with the Covered Card and/or rewards program associated with Your covered Account.
      • Trip Completion Date means the date on which You are scheduled to return to their point of origin or to a different final destination.
      • Trip Departure Date means the date on which You are originally scheduled to leave on the Trip.
      • We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
      • You or Your means the person whose name is embossed on the Covered Card.

      WHAT'S COVERED

      To receive payment under this benefit, the covered Loss must be caused by an Accident that occurs while on a Trip as defined under How Long are You Covered.