Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.
We’ve provided answers to some of the most commonly asked questions below for your convenience.
Q: How does Extended Protection work?
A: You must purchase the item with your covered Visa Infinite card, and the theft or damage must occur within 90 days of the purchase. If your item is stolen, you must file a police report within 48 hours of becoming aware of the theft as outlined in the terms and conditions of the benefit. Maximum coverage is $10,000.00 per claim.
Q: What are the limitations?
A: You will want to read the full terms and conditions, but here are some examples of what does not apply for Purchase Security: the item cannot be used or pre-owned; the item cannot be
hard-wired or installed. For example, a
microwave oven that is built-in is not covered, but coverage applies for a
microwave oven that sits on the countertop.
Q: What does a “$10,000.00 per claim occurrence” mean?
A: Per occurrence is another way of saying per
event or per incident – for example, if you go to the store and make a few purchases: a lamp, toaster and pillows for your
home. Later that evening you step out
for dinner and upon your return notice your house has been broken into and your
new purchases have been stolen. When you call the Benefit Administrator to file a claim, you would list all of the items you just
purchased with your covered Visa card – the Benefit Administrator would then
add all of those together to determine the total claim amount (not to exceed
The Benefit Administrator will ask you to include all of the items
because there may be some items that are not eligible and they will want to be
able to cover as many eligible items as possible.
Q: Are purchases that I make outside of the United States covered? What about gifts I purchase?
A: Yes, those are eligible as long as you
purchase them using your covered Visa card and meet the terms and conditions of
Q: What are the timelines for filing a claim?
A: You must file a police report within 48
hours of becoming aware of the theft or damage as outlined in the
terms and conditions of the benefit., and notify
the Benefit Administrator within 60
days of the
theft or damage, and submit your completed claim form and supporting
documentation within 90 days of the theft or damage.
Q: Do I
have to file a claim with my insurance company?
if you (or your employer, if applicable) has insurance that covers the item,
you must file a claim with that insurance company, and then send the Benefit
Administrator a copy of the claim settlement.
Q: What paperwork do I need to submit with my claim?
A: In addition to the claim form, the Benefit
Administrator will review with you the following supporting documentation you
may need depending on your claim:
An itemized sales receipt for
the purchase – if you don’t have this, the store where you made the purchase
can usually print a duplicate receipt for you
Your Visa billing statement
showing the purchase – your bank can usually make a copy for you
A police report (in the case
of theft), fire report, insurance claim, or loss report sufficient to determine
eligibility for benefits
A copy of the declarations
page of the insurance policy (if applicable) that lists, coverages, limits,
The Benefit Administrator may
ask you to provide additional information, such as a repair estimate (if
Q: How long does it take to decision a claim?
A: Under normal circumstances, once the Benefit
Administrator has all the paperwork they need to process the claim, a decision
will be made within five business days.
The Benefit Administrator will send you notification of their decision.