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Lost Luggage Protection

As an international Visa Signature Cardholder with this benefit, you, your spouse and your dependent children under 23 years of age will each be insured automatically up to US$1,000 for any baggage, that is lost due to theft or misdirection while in the care, custody and control of a Common Carrier, licensed for transport of passengers for hire.

The Insured must be a ticketed passenger on the Common Carrier and the full travel fare must be charged to your covered international Visa Card. All Claims need to be verified by the Common Carrier.

What is a Common Carrier?
A Common Carrier is any land, water or air conveyance operated under a valid license for the transportation of passengers for hire. Air travel must be as a ticketed passenger on an aircraft operated by a scheduled airline registered with the OAG (Official Airline Guide) on a regularly scheduled flight.

What do I need to be eligible?
You must have a valid and active international Visa Card and use it to purchase the entire travel fare(s). The trip must be on or after the date of ticket purchase.

What is the maximum amount I will be reimbursed?
The maximum Benefit you will be reimbursed is up to US$1000, in excess of the amount paid or payable by (a) the Common Carrier responsible for the loss and (b) all other valid and collectible insurance in place.

How is the value of the amount claimed determined?
The Company may elect to:1) the replacement cost? or 2) in the case of a pair or set, (a) repair or replace any part, to restore the pair or set to its value before the loss or (b) pay the difference between the cash value of the property before and after loss.

If you are reimbursed by the Common Carrier, will the coverage still be valid?
Yes. Valid claims for baggage and personal effects in excess of the Common Carrier reimbursement will be covered up to a maximum of US$1000.

What if I have other valid and collectible insurance?
Benefits for baggage and personal effects will be in excess of all other valid and collectible insurance. If at the time of the occurrence of any loss there is other valid and collectible insurance in place, you will be reimbursed only for the excess of the amount of loss, over the amount of such other insurance and any applicable deductible.

What items are not covered?
Benefits will not be provided for any loss of animals, birds, or fish? automobiles or automobile equipment, boats, motors trailers, motorcycles, or other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier)? household furniture? eyeglasses or contact lenses? artificial teeth or dental bridges? hearing aids? prosthetic limbs? musical instruments? money or securities? tickets or
documents? perishables and consumable, jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur, cameras (including related camera equipment), computers and electronic equipment.

What conditions are excluded as valid reasons for coverage?
Benefits will not be provided for any loss resulting (in whole or in part) from: Wear and tear or gradual deterioration? insects or vermin? inherent vice or damage? confiscation or expropriation by order of any government or public authority? seizure or destruction under quarantine or custom regulation? radioactive contamination? usurped power or action taken by governmental authority in hindering combating or defending against such an occurrence? transporting contraband or illegal trade? mysterious disappearance? or breakage of brittle or fragile articles including radios, audio equipment and similar property.

What do I do if the Common Carrier loses my luggage while it is in their care, control and custody?
You must contact the Common Carrier first and file a claim with them. As an international Visa Cardholder, you will be reimbursed up to a maximum of US$1000, in excess of any other valid and collectible insurance or Common Carrier reimbursement paid or payable, for the cost of replacement of the baggage and contents, provided the Common Carrier verifies the loss. Once the Common Carrier determines the baggage lost, the claim you filed with them has been finalized, and the amount of the loss exceeds the Common Carrier’s reimbursement and any other valid and collectible insurance? you must contact the Visa Assistance Center, within 30 days of the loss.

How do I file a Claim?
You must call the Visa Assistance Center. The representative will answer any questions you may have and will send you a Claim Form. Once you submit the Common Carrier’s Claim Forms and Claim determination documents along with any other information required to support a claim, the insurance company will reimburse you directly, once the claim has been finalized.

You must notify the Claims Administrator within 30 days following the date of loss or damage. Not doing so could result in the denial of your claim.

Once you receive the Claim Form, complete it and mail the following documentation:

  • A copy of both your customer statement and Common Carrier Ticket, as proof that the entire travelfare was purchased with your valid international Visa Card.
  • Common Carrier Claim Settlement Documentation and any other information necessary to support a Claim.

The above must be mailed within the time frame stated on the claim form:
Claims Administrator
Visa Common Carrier
Baggage Loss Insurance
P.O. Box 72047
Richmond, VA 23255

If claims are paid by the Company it is entitled to recover what was paid from other responsible parties or persons. Any party or person to or for whom the Company makes payment must transfer to us his or her rights of recovery against any other part or person for the portion of the claim paid by the Company. This party or person must do everything necessary to secure these rights and must do nothing that would jeopardize them.

Please keep in mind the General Program Provisions…
If you make any claim knowing it to be false or fraudulent in any respect, you will no longer be entitled to the benefits of this protection, nor to the payment of any claim made under this policy.

All coverage described herein is subject to change or cancellation without notice. This insurance is effective the later of January 1, 2001, the date your bank elected this coverage, or the date of issuance of your card and will cease on that date the policy is terminated.

This description of coverage is not a contract of insurance and is intended to be a general informative statement of the coverage made available by Visa Inc. throughout Latin America and Caribbean Region. In some instances, according to the provisions of the locally admitted policy issued in the jurisdiction where your Visa Inc. card has been issued, the US Dollar benefit amounts shown will be converted to equivalent local currency and certain details of coverage may differ from what is outlined in this document.



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