595528 (Rev 00 - 05/20)
Page 1 of 4
Cellular Telephone Protection
Your Guide to Benefit describes the benefit in effect as of 9/1/17. Benefit information in this guide replaces any
prior benefit information You may have received. Please read and retain for Your records. Your eligibility is
determined by Your financial institution.
Cellular Telephone Protection
Cellular Telephone Protection provides coverage for damage to, theft of, or involuntary and accidental parting of Your cell
phone. An involuntary and accidental parting is the unintended separation from Your cell phone when its location is
known, but recovery is impractical to complete. This benefit is available if You are a valid cardholder of an eligible U.S.
issued card enrolled in the Cellular Telephone Protection benefit and You charge Your monthly cellular wireless phone
bills to Your eligible card for the billing cycle before the month in which the incident occurs. Eligible cell phones are the
lines listed on Your most recent cellular wireless service provider’s (“cell phone provider”) monthly billing statement for
the billing cycle prior to when the incident occurred.
What is covered?
This benefit is supplemental coverage, which means that it will reimburse You for theft of, damage to or involuntary and
accidental parting of Your cell phone not otherwise covered by another insurance policy (for example; cell phone
insurance programs, or Your homeowner’s, renter’s, automobile, or employer’s insurance policies).
If You do have personal insurance that covers theft, damage or involuntary and accidental parting for Your cell phone,
this benefit reimburses You for the deductible portion of Your cell phone insurance.
If You do not have personal insurance, the benefit reimburses You for the covered theft, damage, or involuntary and
accidental parting for Your cell phone.
Once all other insurance has been exhausted, Cellular Telephone Protection will provide coverage up to six hundred
dollars ($600.00) per claim less the twenty-five dollar ($25.00) deductible, with a maximum of two (2) claims and twelve
hundred dollars ($1,200.00) per twelve (12) month period. If it is determined that Your cell phone requires replacement
due to the theft of, damage to or an involuntary or accidental parting of the device, You will receive the replacement
value. If Your cell phone is repairable, You will receive an amount as determined by the diagnostic to repair the cell
phone subject to the benefit maximum and deductible.
The replacement value is the lesser of Your cellular wireless service provider’s suggested retail value of a similar model
replacement cell phone or the actual cost to replace the cell phone.
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of
physical damage, are not covered under this program.
Definitions
Eligible Person means a cardholder who pays for their monthly cellular wireless phone bill with their eligible card.
You and Your means an enrolled Cardholder who has charged their monthly cellular wireless phone bill to their covered
card.
When does it apply?
Cellular Telephone Protection applies when You make Your monthly cellular wireless phone bill payment with Your
eligible card. Coverage begins the first day of the calendar month following a payment of the cellular wireless phone bill.
If You fail to make a cellular wireless phone bill payment in a particular month, Your coverage will be suspended.
Coverage will resume on the first day of the calendar month after the date of any future cellular wireless phone bill
payment made with the eligible card.
If Your cell phone is stolen as a result of criminal activity, You must file a police report.