Guide to Benefits for American Express® Card Members
Cell Phone Protection – Consumer & Business
Throughout this document, you and your refer to the Card Member. We, us, and our refer to New Hampshire
Insurance Company, an AIG company, 175 Water Street, New York, NY.
Key Terms
Administrator means the individual, corporation or other entity appointed as the administrator of the plan.
Card Member means the holder of an Eligible Card Account in good standing who is a U.S. citizen or a legal resident of the U.S.
or a U.S. territory, including the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands, and the
Northern Mariana Islands.
Eligible Card Account means all open and valid Eligible Accounts in good standing with a Card Member of a U.S. Issued
American Express account as defined: Centurion, Platinum, Delta Reserve, and Delta Platinum for which the Participating
Organization has applied for enrollment.
Eligible Cellular Wireless Telephones means the cellular telephones associated with the primary line and additional or
supplemental lines on the Eligible Person’s monthly billing statement from a cellular provider for the billing cycle preceding the
month in which the theft or damage occurred.
“Eligible Person” means a person to whom an Eligible Card Account is issued from a Participating Organization who charges
the monthly bill for an Eligible Cellular Wireless Telephone to an Eligible Card Account. No person or entity other than the
Eligible Person(s) described shall have any legal or equitable right, remedy or claim for the insurance proceeds arising out of
this coverage.
Evidence of Coverage (EOC) means the summary of benefits set forth below which describe the terms, conditions, limitations
and exclusions of the coverage provided to you at no additional charge under the Group Policy. Representations or promises
made by anyone that are not contained in the Group Policy are not part of your coverage. In the event the EOC, Key Terms, or
Legal Disclosures of this Guide to Benefits conflict with the provisions of the Group Policy, the terms of the Group Policy govern
your coverage.
Group Policy means the Cellular Protection Insurance Policy that New Hampshire Insurance Company issued to American
Express Travel Related Services Company, Inc. and its Related Grantor Trust, which is the subject of this Guide to Benefits.
Mysterious Disappearance means the vanishing of an item in an unexplained manner where there is absence of evidence of a
wrongful act by a person or persons.
Policyholder means American Express Travel Related Services Company, Inc.
Stolen means an Eligible Cellular Wireless Telephone that is taken by force and/or under duress or a loss which involves the
disappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the
probability of theft and for which a police report was filed within forty-eight hours of the theft.
Evidence of Coverage
Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold. This EOC is subject to the Legal
Disclosures set forth below.
A. To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account. You are eligible for
coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill using your
Eligible Card Account. If you pay an Eligible Cellular Wireless Telephone bill with your Eligible Card Account and fail to pay a
subsequent bill using your Eligible Card Account in a particular month, your coverage period changes as follows:
1. Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to
your Eligible Card Account; and
2. Your coverage resumes on the first day of the calendar month following the date of any future payment of your
Eligible Cellular Wireless Telephone bill using your Eligible Card Account.
B. The kind of coverage you receive:
• Reimbursement for the actual cost to repair or replace a Stolen or damaged Eligible Cellular Wireless Telephone.
• Coverage ends on the earliest of: The date you no longer are a Card Member; the date the Eligible Card Account is
determined to be ineligible by the Participating Organization; the date the Participating Organization ceases to pay
premium on the Group Policy; the date the Participating Organization ceases to participate in the Group Policy; or
the date the Group Policy is terminated.
C. Coverage limitations: Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms,
conditions, exclusions and limits of liability of this benefit. The maximum liability is $ 800, per claim, per Eligible Card Account.
Each claim is subject to a $ 50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.
Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited only to those amounts
not covered by any other insurance or indemnity. In no event will this coverage apply as contributing insurance. This
“noncontribution” clause will take precedence over a similar clause found in other insurance or indemnity language.
D. What is NOT covered: The following items are excluded from coverage under the Group Policy:
• Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the
manufacturer;
• Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use. Exclusion applies for
Consumer card accounts only;
• Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance;
• Eligible Cellular Wireless Telephones under the care and control of a common carrier, including, but not limited to, the U.S.
Postal Service, airplanes or delivery service;
• Eligible Cellular Wireless Telephones which have been rented, leased, borrowed or Cellular Wireless Telephones that are
received as part of a pre-paid plan;
• Cosmetic damage (i.e. superficial abrasions or scuffs) to the Eligible Cellular Wireless Telephone or damage that does not
impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls;
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war,
invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear,
flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin;
• Damage or theft resulting from mis-delivery or voluntary parting from the Eligible Cellular Wireless Telephone;
• Replacement Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or
internet store that has the ability to initiate activation with the cellular service provider;
• Taxes, delivery or transportation charges or any fees associated with the service provided; or
• Losses covered under a warranty issued by a manufacturer, distributor or seller.
E. How to file a claim
• Call 1-833-784-1467 to open a claim. You must report the claim within 90 days of the loss, or as soon as reasonably possible,
or the claim may not be honored. Upon receipt of a notice of claim, we will provide you with the necessary instructions for filing
proof of loss. Written proof of loss must be submitted to our Administrator within 120 days of the loss or the claim may not be
honored. Required documentation may include but is not limited to the following:
• Your Eligible Card Account statement reflecting the monthly Eligible Cellular Wireless Telephone payments for the
month preceding the date the Eligible Cellular Wireless Telephone was Stolen or suffered damage;
• A copy of your current Eligible Cellular Wireless Telephone service provider’s billing statement;
• Copy of the original Eligible Cellular Wireless Telephone purchase receipt or other sufficient proof of the Eligible
Cellular Wireless Telephone model currently linked to the Eligible Person’s Eligible Cellular Wireless Telephone
account
• Copy of the insurance claim to the Eligible Person’s homeowner’s, renter’s or personal automobile insurance or
any applicable cellular telephone insurance, or in the event that the claim amount is less than the Eligible Person’s
deductible, a copy of the policy’s declarations page;
• If a claim is due to damage, a copy of the repair estimate and photos of the damage;
• If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and
• Any other documentation or information reasonably requested by us to support the claim.
Legal Disclosure
This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the Card
Member, at no additional charge.
The insurance benefits are provided under the Group Policy issued by New Hampshire Insurance Company, an AIG company.
This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC are governed by the Group
Policy.
Effective date of benefits: This Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures
by any party. The Participating Organization and we reserve the right to change the benefits and features of these programs at
any time. Notice will be provided for any changes.
Cancellation: The Participating Organization may cancel these benefits at any time or choose not to renew the insurance
coverage for all Eligible Card Accounts. If the Participating Organization cancels these benefits, you will be notified in advance.
If we terminate, cancel, or choose not to renew the coverage to the Participating Organization, you will be notified as soon as
is practicable. Insurance benefits will still apply for any eligible coverage that attaches prior to the date of such termination,
cancellation, or non-renewal, subject to the terms and conditions of coverage.
Benefits to you: These benefits apply only to U.S. issued Eligible Card Accounts. 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 card privileges have been cancelled. However, insurance benefits will still apply
for any benefit you were eligible for prior to the date that your Eligible Card Account is suspended or cancelled, subject to the
terms and conditions of coverage.
Legal Actions: No action at law or in equity may be brought to recover under the Group Policy prior to the expiration of 60 days
after written proof of loss has been furnished in accordance with the requirements of the Group Policy. No such action may be
brought after the expiration of two (2) years from the time written proof of loss is required to be furnished.
Transfer of rights or benefits: The Group Policy is not assignable, but the benefits may be assigned.
Intentional Misrepresentation and Fraud: If any request for benefits made under the Group Policy is determined to be
fraudulent, or if any fraudulent means or devices are used by you or anyone obtaining benefits under the Group Policy, all
benefits will be forfeited. No coverage is provided if you or anyone obtaining benefits does the following: (1) Conceals or
misrepresents any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to
deceive; or (2) conceals or misrepresents any fact that contributes to the loss.
Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be exercised or performed
by a reasonable and prudent person in the same or similar circumstances to avoid, diminish, or reduce any loss or damage
insured under the Group Policy.
Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the extent of our payments,
from other parties or persons. Any party or person who receives payment under these benefits must transfer to us 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.
Other Limitation: Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in
the benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage availability.
This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the
Group Policy, the Group Policy shall control. Provision of services is subject to availability and applicable legal restrictions.
Washington Residents: For Washington residents only, Evidence of Coverage (EOC) means the section of this Guide to Benefits
that describes the terms, conditions, and exclusions of your coverage. The EOC, Key Terms, and Legal Disclosures are in the
entire agreement between you and us. Representations or promises made by anyone that are not contained in the EOC, Key
Terms, or Legal Disclosures are not part of your coverage. In case of a conflict between this Guide to Benefits and the Group
Policy, the Guide to Benefits shall control.