Visa Cartao Beneficios

Visa Infinite
Standard benefits
Table of Contents
Section A. Introduction
A.1. About this Guide ............................................................................................................ 03
A.2. Visa Infinite .................................................................................................................... 04
A.3. Definitions of the Benefits Described in this Guide....................................................... 04
A.4. General Provisions of the Program ................................................................................ 07
Section B. Insurance Offered
B.1. Travel Insurance - Accidental Death and Permanent Disability in Authorized Public
Transportation ........................................................................................................................ 09
B.2. Personal Accident Insurance - Accidental Death and Permanent Total or Partial
Disability due to Accident (Travel Insured) ........................................................................... 13
B.3. Car Rental Insurance ...................................................................................................... 17
B.4. Baggage Delay Insurance ............................................................................................... 24
B.5. Baggage Loss Insurance ................................................................................................. 28
B.6. Trip Delay Insurance ...................................................................................................... 32
B.7. Trip Cancellation Insurance............................................................................................ 34
B.8. Extended Warranty ....................................................................................................... 38
B.9. Purchase Protection ....................................................................................................... 42
B.10. Price Protection ............................................................................................................ 47
Section C. Other Benefits
C.1. Compensation for Medical Emergencies ..................................................................... 54
C.2. Travel Assistance Services ........................................................................................... 66
C.3. Emergency Services ...................................................................................................... 67
C.4. Visa Concierge ............................................................................................................... 68
Visa Infinite
Section A. Introduction
A.1 About this Guide
This document is intended to be used as a guide for quick reference on the standard benefits
offered to the Visa Infinite Cardholders and their beneficiaries, as defined below.
Here, the cardholder will find information on emergency services, travel assistance, as well as
our diverse portfolio of insurance and coverage offered to protect purchases and Visa Infinite
cardholders, including travel accident insurance, baggage delay or loss insurance, purchase
protection, among others.
The full version of the insurance policy (SUSEP Process No. 08737100109690000043),
executed between Visa International Service Association (Visa) and Chartis Latin America,
I.I. (SUSEP codes No. 005.00160/00 International Travel, 005-00204/00 In-Country
Travel, 15414.002921/2009-69 Purchase Protection, 15414.002823/2009-21 Extended
Warranty, 15414.001459/2009-82 Civil Responsibility, 20- 000391/2012 Special
Condition: Auto Rental) is operated in Brazil by Chartis Seguros Brasil S/A, CNPJ/MF No
33.040.981/0001-50 (hereinafter referred simply as Chartis). Visa acts as merely the
policyholder in the insurance agreement and
acts before Chartis on behalf of the insureds,
having no obligation to make any payments in
their favor. The registration of the insurance
policy referred to in this guide with SUSEP
does not imply, by the local authority,
inducement or recommendation to its
commercialization.
The benefits referred to in Section C hereof, namely, Compensation for Medical Emergencies,
Travel Assistance, and Visa Concierge are offered to the Visa Infinite cardholders and their
beneficiaries by AXA Assistance USA, Inc. (AXA). The compensation for medical
emergencies provided in Section C will be offered during an eligible trip as defined in Section
C. Other benefits offered in Section C have worldwide coverage and those benefits stem from
a relationship of services rendered which exists between Visa and AXA. Visa is merely taker
of the services of AXA and acts before it on behalf of the beneficiaries, with no obligation to
making any payments in their favor.
Enjoy reading and refer to this guide whenever you have any doubts about the benefits offered
by your Visa Infinite Card. Below you will find some information about this product.
Visa Infinite
A.2. Visa Infinite

Visa Infinite is Visas most complete and exclusive card, developed for special customers. It
is intended for affluent consumers who are frequently travelling abroad and require the full
availability of services, insurance and credit.
Visa Infinite offers the inclusion of all the benefits Visa offers.
The Visa Infinite Card is accepted in more than 30 million merchants, in 150 countries and
territories, and can be used to withdraw cash in local currency in more than one million
ATMs.
For more information on the benefits provided by your Visa Infinite Card, please access
www.visa-infinite.com, or contact by phone the following numbers through toll free: 0800
891-3679 (Brazil), 1-800-396-9665 (USA and Canada), or collect calls: 1-303-967-1098
(other countries).
A.3. Definitions of the Benefits described in this Guide*

(* = specific restrictions may apply. Please refer to the specific section of the benefit in
question)
BENEFICIARIES: The Visa Infinite CARDHOLDER, his/her spouse and children
considered ECONOMICALLY DEPENDENT, minor of 23 years of age, under - the benefits
provided for in Section C, subject to the provisions of applicable laws.
CUSTOMER SERVICE: Communication channel and available facilities (equipment,
systems and staff) which purpose is to make the interface between Visa and customers. It can
be accessed through the following telephone numbers: 0800-891-3679 (Brazil), 1-800-396
9665 (USA and Canada) and 1-303-967-1098 (other countries), and can always be made by
collect call.
INSURANCE COMPANY: Chartis Seguros Brasil S/A, CNPJ/MF No. 33.040.981/0001-50.
INSURED: An active CARDHOLDER, his/her spouse and unmarried dependent children
under age 23, under the benefits provided for in Section B.
SEVERE WEATHER CONDITIONS: any weather condition that causes a delay in the
arrival time and/or departure of a given MEANS OF TRANSPORTATION, as originally
contracted with a TRANSPORTATION COMPANY.
SPOUSE: person related to the CARDHOLDER by marriage or common-law marriage
(unio estvel), under the applicable laws in force.
Visa Infinite
ECONOMIC DEPENDENTS: CARDHOLDERs single children and under 23 years old

who cumulatively: (a) reside with the CARDHOLDER or are under his/her responsibility; and
(b) are financially supported by the CARDHOLDER. This definition includes the
CARDHOLDERs stepchildren.
DISMEMBERMENT: loss of members of the body, as well as of sight, speech or hearing.
TRANSPORTATION COMPANY: company that
TRANSPORTATION, including an AIRLINE COMPANY.
operates
MEANS
OF
AIRLINE COMPANY: company listed in the Official Airline Guide (OAG) or in the ABC
World Airways guide and that has a license, certificate or similar authorization for the regular
air transportation issued by the competente authorities of the country in which the aircraft is
registered and, in accordance with such authorization, maintains and publishes flight
schedules and service fees to passengers for flights between airports at regular and specific
schedules.
EQUIPMENT FAILURE: any sudden and
unforeseen damage to the equipment of a
TRANSPORTATION COMPANY that causes a
delay or interruption of the scheduled COVERED
TRIP.
CLAIM FORM: document to be supplied by
CUSTOMER SERVICE, upon notification of an
incident or request for benefit, which must be filled
out and returned together with the required
documents within the deadlines for each of the
benefits presented.
MEANS OF TRANSPORTATION: any means of
transport operated by a TRANSPORTATION COMPANY under a valid license for paid
transportation of passengers, including:
AIR: aircraft operated by an AIRLINE COMPANY, duly authorized by the

competent authorities to operate regular scheduled flights;
LAND AND SEA: all those included in this definition, WITH THE
EXCLUSION OF (i) rental vehicles, except those that have been rented by a
TRANSPORTATION COMPANY for paid transportation of passengers; (ii)
taxis, (iii) car rental companies transfers, hotels or parking outside the
boundaries of the airport;
Visa Infinite
TRANSFERS used immediately before boarding or after disembarking from an

aircraft operated by an AIRLINE COMPANY, provided that they are connected
to the COVERED TRIP; and
TRANSFERS included in the COVERED TRIP.
CARDHOLDER: individual who holds an active and valid Visa Infinite Card, issued in its
name in Brazil, as holder or additional holder.
COVERED TRIP: an itinerary, in any part of the world, including

the Insured's country of residence, regardless of origin or
destination. INSURED JOURNEY: an itinerary in any part of the world that
is outside the Insured's country of card issuance with a minimum of 150 km
from the Insured's place of residence. Both must satisfy any of the following
characteristics:
full amount of the tickets were paid with a valid Visa Infinite Card; or
the tickets were purchased by redeeming points from a loyalty program,
provided that the boarding fee and possible taxes due have been paid with a Visa
Infinite Card; or
if no boarding fee or taxes are levied, just the tickets purchased through
redemption of points obtained upon utilization of the Visa Infinite Card.
ATTENCTION
BENEFITS PROVIDED TO VISA INFINITE CARD IN THIS GUIDE REFER TO VISA
INFINITE CREDIT FUNCTION. FROM JULY 01st, 2014 THE BENEFITS ARE ALSO
VALID FOR PURCHASES IN VISA INFINITE DEBIT FUNCTION FOR CARDS THAT
HAVE IN THEIR PLASTICS CREDIT AND DEBIT FUNCTIONS (KNOWN AS COMBO
CARDS OR MULTIPLE CARDS).
THE BENEFITS LISTED IN THIS GUIDE DOES NOT APPLY TO:

VISA ELECTRON CARD WHEN USED ONLY IN DEBT (KNOWN AS DEBIT PURE
CARDS) FUNCTION;
VISA INFINITE CARD ISSUED FOR COMPANIES; AND
PREPAID CARDS.
The DEFINITION OF INSURED, COVERED TRIP AND INSURED JOURNEY DO NOT

APPLY TO SECTION C OF THIS GUIDE.
Visa Infinite
THE COMPENSATION FOR MEDICAL EMERGENCIES AND TRAVEL ASSISTANCE

BENEFIT UNDER SECTION C ARE ONLY APPLICABLE TO ELIGIBLE TRIPS (AS
DEFINED UNDER SECTION C) WHICH ARE OUTSIDE THE BENEFICIARY'S
COUNTRY OF RESIDENCE AND THE COUNTRY OF CARD ISSUANCE.
A.4. GENERAL PROVISIONS OF THE PROGRAM

HOW DO I SUBMIT A REQUEST?
The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDERs
representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in
any case, within the time limit established for each of the benefits provided, even if not yet in
possession of the documents that will support the CLAIM FORM. Delayed communication
may result in the loss of benefit.
The CUSTOMER SERVICEs operator will answer any of the CARDHOLDERs questions
and send a CLAIM FORM.
Upon receiving the CLAIM FORM, the CARDHOLDER, the one designated by the
CARDHOLDER or the CARDHOLDERs representative, as applicable, must fill out the
form and return it along with the required documentation required for each offered benefit.
These documents must be submitted up to 90 days (depending on the program) from the
initial contact with the CUSTOMER SERVICE to the addresses below:
If the request is for the benefits provided for in Section B of this guide (Insurance Offered):
Claims Administrator: Visa Card Benefits Administration (VCBA)
Maip 255- Piso 17
C1084 ABE, Buenos Aires, Argentina
If the request is for the benefits provided for in Section C of this guide (Other Benefits):
AXA
122 S. Michigan Avenue
Suite 1100
Chicago, Illinois 60603
LOSS OF BENEFITS
The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the
insured property under this program.
INSUREDS/BENEFICIARIES will lose their right to the benefits and payment of any
compensation under the terms of this program if they make any claim they know to be false or
fraudulent in any respect.
Visa Infinite
CONVERTING AMOUNTS INTO FOREIGN CURRENCY

The foreign currency amounts mentioned in this guide will be converted into Brazilian reais
based on foreign currencys sale rate (PTAX 800) published by the Central Bank of Brazil [at
the day the credit card cycle is closed for the month after the incident occur and is reflect in
the Account statement. In the event this information is not available, the FX rate to be used
will be the one from the day before the payment of the claim.
Visa Infinite
Section B. Insurance Offered

This guide contains a summary of the insurance policy executed between Visa and the
INSURANCE COMPANY with respect to the insurance coverage offered to
CARDHOLDERS.
In case of discrepancies between this guide and the policy, the provisions established in
the accepted policy and in full force in the jurisdiction in which your Visa Infinite Card
was issued will always prevail. In Brazil, the insurance coverage is offered by Chartis
Seguros Brasil S/A.
Should VISA cancel or refuse to renew any of the insurance coverage offered to
CARDHOLDERS, the financial institution that issued the Visa Infinite Card will notify the
CARDHOLDERS at least 60 days in advance. Should the INSURANCE COMPANY not
renew or cancel any of the coverage provided, CARDHOLDERS will be notified at least 60
days before the expiration of the policy. In the event that a substantially similar coverage
comes into force, with no interruptions whatsoever, the notification will not be required.
When applicable, the INSURANCE COMPANY will reimburse the INSURED directly, once
the process has been completed. No payment will be made until CUSTOMER SERVICE has
received all required documentation.
If a payment is made, the INSURANCE COMPANY will have the right to be reimbursed for
the amounts paid to other parties or persons.
Any party or person to whom the INSURANCE COMPANY has made a payment must
transfer to it of its/his/her rights to credit that said party or person might have against any
other party or person in connection with the portion of the compensation paid by the
INSURANCE COMPANY. Said party or person must make all necessary efforts to preserve
these rights and refrain from performing any act that may harm them.
B.1. Travel Insurance - Accidental Death and Permanent

Disability in Authorized Public Transportation
Introduction
WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE
READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3.
DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4.
GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE
UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT.
Visa Infinite
Basic benefits
INSUREDS will be automatically covered worldwide, up to the limit of this coverage, against
accidental bodily injuries that are the sole cause of death or DISMEMBERMENT during a
COVERED TRIP, while using a MEANS OF TRANSPORTATION operated by a
TRANSPORTATION COMPANY, including boarding or disembarking, or the use of transfers.
The full fare must be charged to a Visa Infinite Card.
AS PROVIDED BY ARTICLE 109 OF DECREE-LAW 2.063/40 AND ARTICLE 8 OF
SUSEPS RESOLUTION 302/2005, INSUREDS DO NOT INCLUDE ECONOMIC
DEPENDENTS WHO ARE FOURTEEN (14) YEARS OLD OR YOUNGER FOR PURPOSES
OF THE COMPENSATION FOR DEATH PROVIDED UNDER THIS INSURANCE.
CARDHOLDERS will also be entitled to such coverage when riding a means of transportation, such
as buses, provided that carrier is licensed to carry passengers to or from a commercial aircraft, if this
means of transport is included in the price of the airline ticket or if the airport provides said means of
transportation within its facilities.
This insurance is provided at no cost to CARDHOLDERS.
In the event the bodily injuries cause death or DISMEMBERMENT, the benefits will be paid as
described below:
Damage
Accidental death
Loss of both hands and/or both feet, sight of both eyes, speech and
hearing in both ears, one hand and one foot or even one hand or foot and
sight in one eye
Accidental loss of a hand or foot, sight in one of the eyes, speech or
hearing in both ears
Accidental loss of thumb and index finger on the same hand
Due Percentage of
the benefit
100%
100%
50%
25%
TO BE UNDERSTOOD AS:
Loss of Hand or Foot: depending on the case, loss of limbs beyond the wrist or below the
knee;
Loss of Sight: total and irreparable loss of vision;
Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and
Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears.
Should the INSURED suffer multiple injuries as a result of a single accident, the CARDHOLDER
AND/OR BENEFICIARY/IES will receive the greatest individual benefit applicable. The benefit for
the death of the INSURED will be paid to the first surviving BENEFICIARY, as follows:
Spouse or, if none;
Children, in equal shares or, if none;
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Parents, in equal shares or, if none;

Siblings, in equal shares of, if none; or
Executor or trustee appointed by the local courts.
In the event of injuries resulting from the fact that the INSURED has inevitably been exposed to the
accident, benefits will be paid as if they resulted from the injury. The injury must occur within 365
days following the accident.
Except for cases in which the INSURED is declared presumably dead by a court of law, the
INSURANCE COMPANY will only pay the death benefit if the INSUREDbody fails to be located
within one year following the forced landing, shipwreck, sinking or destruction of the MEANS OF
TRANSPORTATION in which the INSURED was carried as a passenger, at which time his/her death
will be recognized.
THIS INSURANCE DOES NOT COVER LOSSES CAUSED BY:

EMOTIONAL TRAUMA, PHYSICAL OR MENTAL ILLNESS, PREGNANCY,
CHILDBIRTH OR MISCARRIAGE, BACTERIAL OR VIRAL INFECTION (OTHER
THAN BACTERIAL INFECTION CAUSED BY ACCIDENT OR BY ACCIDENTAL
INGESTION OF A SUBSTANCE CONTAMINATED BY BACTERIA) OR ANY OTHER
PHYSIOLOGICAL DYSFUNCTION OF THE INSURED;
SUICIDE, ATTEMPTED SUICIDE OR SELF-INFLICTED INJURIES;
WAR, DECLARED OR NOT, EXCLUDING GUERRILLA ACTIONS; and
INJURIES SUFFERED BY THE INSURED WHILE TRAVELING BY TAXI OR WHILE
ENTERING OR EXITING SAID VEHICLE.
This is a summary of the insurance policy. For more information on the insurance policy
agreement executed between Visa and the INSURANCE COMPANY, including the
definitions and exclusions applicable to this benefit and procedure for submitting a
claim, please see the Introduction section of this guide.
This insurance is effective from July 1, 1997, from the date on which the issuer of your card
contracted this coverage or from the date on
which your card was issued, whichever occurred
last, and will terminate on the expiration date of
the policy or on the date on which you cease to be
a HOLDER of this CARD, whichever comes first.
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Benefit
Visa Infinite
Amount of benefit
US$ 1,500,000
The CARDHOLDER, the one designated by the CARDHOLDER or the

CARDHOLDERs representative, as applicable, must contact the CUSTOMER
SERVICE immediately after (i) the INSUREDs date of DISMEMBERMENT or
death, (ii) the date on which the INSURED was declared presumably dead by a court
of law, or (iii) one year elapsed without having located the INSUREDs body, as
applicable. Delayed communication may result in the loss of the benefit.
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B.2. Personal Accident Insurance - Accidental Death and

Permanent Total or Partial Disability due to Accident
(Travel Insured)
Introduction
INSUREDS will be automatically covered up to the value of benefit against accidental bodily
injuries that are the sole cause of death or DISMEMBERMENT arising from an accident that
occurs during a INSURED JOURNEY. The full fare must be charged to a Visa Infinite Card.
AS PROVIDED BY ARTICLE 109 OF DECREE-LAW 2.063/40 AND ARTICLE 8 OF
SUSEPS RESOLUTION 302/2005, INSUREDS- DO NOT INCLUDE ECONOMIC
DEPENDENTS WHO ARE FOURTEEN (14) YEARS OLD OR YOUNGER FOR PURPOSES
OF THE COMPENSATION FOR DEATH PROVIDED UNDER THIS INSURANCE.
Coverage begins when the INSURED disembarks from the MEANS OF TRANSPORTATION at the
INSURED JOURNEYs destination, and expires as soon as the -INSURED boards a MEANS OF
TRANSPORTATION bound for the final destination, as designated in the ticket.
THIS INSURANCE DOES NOT COVER ACCIDENTS THAT OCCUR DURING TRAVEL TO
AND FROM AN INSURED JOURNEY WHILE IN, ON, OR ALIGHTING FROM the MEANS OF
TRANSPORTATION. This coverage is meant to complement and not duplicate the coverage provided
by the Travel Accident Insurance on your Visa Infinite Card.
What is the benefit?

Should an accidental bodily injury result in death or DISMEMBERMENT within a period of 365 days
following the incident, including loss of vision, speech or hearing, the following benefits will be paid:
Damage
Accidental death
Loss of both hands and/or both feet, sight of both eyes, speech and
hearing in both ears, one hand and one foot or even a hand or foot and
sight in one eye
Accidental loss of a hand or foot, sight in one eye, speech or hearing in
Due Percentage of
the benefit
100%
100%
50%
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both ears
Accidental loss of thumb and index finger on the same hand
25%
TO BE UNDERSTOOD AS:
Loss of Hand or Foot, depending on the case: loss of limbs beyond the wrist or below the
knee;
Loss of Sight: total and irreparable loss of vision;
Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and
Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears.
In the event of injuries resulting from the fact that the -INSURED has inevitably been exposed to the
accident, the benefits will be paid as if they resulted from the injury. The injury must occur within 365
days following the accident.
Except for cases in which the INSURED is declared

presumably dead by a court of law, the INSURANCE
COMPANY will only pay the loss of life benefit if the INSUREDs body fails to be located within one year following
the forced landing, shipwreck, sinking or destruction of the
MEANS OF TRANSPORTATION in which the INSURED
was carried as a passenger, at which time his/her death will be
recognized.
Should the INSURED suffer multiple injuries as a result of a
single accident, the CARDHOLDER AND/OR BENEFCIARY
(IES) will receive the greatest individual benefit applicable. The
INSUREDS death benefit will be paid to the first surviving
BENEFICIARY, as follows:
Spouse or, if none;

Children, in equal shares or, if none;
Parents, in equal shares or, if none;
Siblings, in equal shares or, if none;
Executor or trustee appointed by the local courts.
What is not covered by the insurance?

1.
2.
3.
INTENTIONALLY SELF-INFLICTED INJURIES;

SUICIDE OR ATTEMPTED SUICIDE IN A SANE MENTAL STATE:
DISEASES, UNLESS OTHERWISE PROVIDED FOR IN THE INSURANCE
POLICIES;
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4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN

INJURIES OR IF DEATH IS RESULTED BY ACCIDENTAL INGESTION OF A
SUBSTANCE CONTAMINATED BY BACTERIA;
DAMAGES ARISING OUT OF ACTS OF WAR, DECLARED OR NOT;
ACCIDENTS THAT OCCURRED WHILE A PASSENGER IS (I) OPERATING,
LEARNING HOW TO OPERATE, OR SERVING AS A CREW MEMBER OF AN
AIRCRAFT;
DAMAGES IN WHICH ONE OF THE CONCURRENT CAUSES HAS BEEN THE
PRACTICE OF, OR ATTEMPT TO PRACTICE, AN ILLEGAL ACT ON BEHALF
OF A BENEFICIARY;
PARTICIPATION IN ANY CONTACT SPORT OR TEAM PROFESSIONAL, SEMIPROFESSIONAL OR COLLEGE SPORT;
PARTICIPATION IN EXTREME SPORTS, AS WELL UNDERSTOOD BY SPEED
COMPETITIONS WHERE THEY USE MOTOR VEHICLES OR BIKES,
PARACHUTING, SKYDIVING, HANG GLIDING, BUNGEE JUMPING, SKI,
SCUBA DIVING, CLIMBING, SPELUNKING, OR MOTORCYCLE RACING
ABOVE 100CCS;
DAMAGES OCCURRED WHILE THE INSURED WAS SERVING IN THE ARMY,
NAVY OR AIR FORCE, IN ANY COUNTRY;
DAMAGES WHEN UNDER THE INFLUENCE OF DRUGS, ALCOHOL OR
OTHER DRUGS, EXCEPT AS PRESCRIBED BY A QUALIFIED PROFESSIONAL
AND TAKEN TO TREAT DRUG ADDICTIONS, AS INDICATED IN THE
MEDICAL PRESCRIPTIONS;
DEPRESSION, ANXIETY, MENTAL OR NERVOUS DISORDERS OR
TREATMENTS KNOWN AS "REST CURES";
PREGNANCY AND PREGNANCY-RELATED CONDITIONS, INCLUDING
FERTILITY TREATMENT OR OTHER MEDICAL ISSUES RELATED TO A
WOMANS INABILITY TO CONCEIVE;
INSURED TRAVELING AGAINST A PHYSICIANS RECOMMENDATIONS;
ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE, DIRECTLY OR
INDIRECTLY ATTRIBUTABLE TO THE HIV VIRUS AND/OR HIV-RELATED
CONDITIONS, INCLUDING AIDS AND/OR ANY MUTATIONS OR VARIATIONS
THEREOF OR SOMEHOW CAUSED BY IT;
ANY EXPENSES COVERED BY POLICIES AND INSURANCE POLICIES
RELATED TO WORKERS COMPENSATION OR EMPLOYEE RISKS.
ELECTIVE PLASTIC AND COSMETIC SURGERY, EXCEPT WHEN MEDICALLY
REQUIRED AS THE RESULT OF DAMAGES;
ANY DAMAGE RESULTING IN A HERNIA;
ANY PRE-EXISTING CONDITION.
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General Provisions of the Program

This insurance is effective from July 1, 1997, from the date on which the issuer of your card
contracted this coverage, or from the date on which your card was issued, whichever occurred last, and
will terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or
on the date on which you cease to be a CARDHOLDER, whichever comes first.
Card
Visa Infinite
Amount Insured
US$ 75,000

CARDHOLDERs representative, as applicable, must contact the CUSTOMER
SERVICE immediately after or within a maximum of 90 days after (i) the -INSUREDs
date of DISMEMBERMENT or death, (ii) date on which the -INSURED was declared
presumably dead by a court of law, or (iii) one year elapsed without having located the INSUREDs body, as applicable. Delayed communication may result in the loss of
benefit.
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B.3. Car Rental Insurance

Introduction
Basic benefits
CARDHOLDERS can get Car Rental Insurance, at no additional cost, every time they rent a car using
their Visa Infinite Card.
The CARDHOLDER must decline the Collision Damage Waiver / Loss Damage Waiver
(CDW/LDW) insurance or similar coverage offered by the car rental company.
Basic requirements
To be entitled to this insurance coverage, the CARDHOLDER must:
Use the CARDHOLDERs Visa Infinite Card to book and pay the full cost of the car rental.
All authorized drivers specifically mentioned in the car rental agreement are also covered.
No one other than the CARDHOLDER or authorized drivers, as provided above, will have the right to
any coverage, including the right to reimbursement or to submitting any insurance claims and/or
damages under or arising from this coverage.
Should the CARDHOLDER be unable to decline the car rental companys coverage, this coverage
will be secondary to the coverage offered by the car
rental company and the CARDHOLDER will have to pay
any expenses that exceed the amounts of coverage offered
by the car rental company and the damages for which the
CARDHOLDER may be possibly held liable.
Coverage
The Car Rental Insurance covers up to the market value of
the vehicle or the cost of repairs or replacement of the
rented vehicle, provided that such vehicle is in the
possession of the CARDHOLDER or authorized driver,
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whichever amount is lower.

The following specific costs are included in the insurance policy:
Damage due to collision;
Theft of the vehicle and related costs;
Costs arising from vandalism;
Loss arising from accidental fire, provided that the associated responsibility is attributable to
the CARDHOLDER or authorized driver.
THE FOLLOWING SPECIFIC COSTS AND CLAIMS ARE NOT INCLUDED IN THE
POLICY RELATED TO THIS COVERAGE:
ANY OBLIGATION ASSUMED BY THE CARDHOLDER OR AUTHORIZED
DRIVER(S) UNDER OTHER AGREEMENTS;
INJURIES TO ANY PERSON OR DAMAGES TO ANY OBJECT INSIDE OR OUTSIDE
THE RENTED VEHICLE;
LOSS OR THEFT OF PERSONAL BELONGINGS;
PERSONAL LIABILITY;
EXPENSES ASSUMED OR PAID BY THE CAR RENTAL COMPANY OR BY ITS
INSURANCE COMPANY;
THE COST OF THE INSURANCE COVERAGE ACQUIRED THROUGH THE CAR
RENTAL COMPANY;
ANY OPERATION AND VEHICLE COSTS IN VIOLATION OF THE TERMS OF THE
CAR RENTAL AGREEMENT;
ANY LOSSES RESULTING FROM INTENTIONAL ACTS, OR FROM THE ADMISSION
OF GUILT ON THE PART OF AN AUTHORIZED DRIVER WHO IS PROSECUTED OR
FOUND GUILTY BY A COURT OF LAW OF BEING UNDER THE INFLUENCE OF
DRUGS OR INTOXICATING SUBSTANCES, OR AS A RESULT OF ILLEGAL
ACTIVITIES OR SMUGGLING;
GRADUAL WEAR AND TEAR DUE TO NORMAL USE OR MECHANICAL
PROBLEMS;
LOSSES ARISING FROM ANY TYPE OF HOSTILITY (INCLUDING WAR, INVASION,
REBELLION OR INSURRECTION)
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CONFISCATION BY THE AUTHORITIES;

LOSSES RESULTING FROM RENTING VEHICLES THAT DO NOT MEET THE
DEFINITION OF COVERED VEHICLES;
LEASES AND MINI-LEASES;
LOSSES OCCURRED DURING A BREACH OF THE CAR RENTAL AGREEMENT;
LOSSES THAT ARE ALREADY COVERED BY THE INSURANCE COVERAGE
CONTRACTED DIRECTLY WITH THE CAR RENTAL COMPANY;
RENTALS EXCEEDING THIRTY ONE (31) DAYS WHICH WILL NOT BE COVERED
AS FROM THE THIRTY-SECOND (32nd) DAY;
LOSSES REPORTED 30 DAYS AFTER THE INCIDENT;
LOSSES RESULTING FROM FREEZING, ARID EROSION, MECHANICAL FAILURE,
ELECTRICAL FAILURE EXCEPT FOR THOSE ARISING FROM THE OTHER LOSSES
COVERED BY THE INSURANCE POLICY;
LOSSES OCCURRING ON ROADS NOT MAINTAINED BY THE GOVERNMENT OR
THAT ARE NOT IN PROPER STATE FOR USE;
LOSSES RESULTING FROM FIRE NOT CAUSED BY A COVERED EVENT;
LOSSES ATTRIBUTABLE TO THE CARDHOLDERS OR AUTHORIZED DRIVERS
TOTAL NEGLIGENCE (EX: LEAVING THE CAR ENGINE ON WITH NO
SUPERVISION);
LOSSES RELATED TO DISASTERS AND OTHER NATURAL CAUSES (EX: HAIL,
LIGHTNING AND FLOODING);
LOSSES OCCURRING WHILE THE VEHICLE WAS SUBLEASED OR TRANSPORTING
PEOPLE OR CARGO UPON PAYMENT OF FARE OR FREIGHT FEE, RESPECTIVELY;
LOSSES CAUSED BY CARDHOLDERS OR AUTHORIZED DRIVERS TO THEIR
ASCENDANTS, DESCENDANTS, SPOUSE AND SIBLINGS, AS WELL AS TO ANY
RELATIVES OR PERSONS WHO RESIDE WITH THEM OR WHO RELY ON THEM
ECONOMICALLY;
LOSSES RESULTING FROM ACCIDENTS OCCURRING AS A DIRECT RESULT OF A
VIOLATION OF LEGAL PROVISIONS, SUCH AS; MAXIMUM NUMBER OF
PASSENGERS, SIZE AND WEIGHT;
Visa Infinite
19
FINES AND PENALTIES IMPOSED UPON THE CARDHOLDER OR AUTHORIZED

DRIVER AND ANY EXPENSES RELATED TO CRIMINAL ACTIONS OR
PROCEEDINGS;
LOSSES RESULTING FROM TECHNICAL/PROFESSIONAL SPECIALIZED SERVICES
PROVIDED TO THE VEHICLE AND UNRELATED TO ITS LOCOMOTION;
LOSSES OCCURRING WHILE THE INSURED VEHICLE WAS PARTICIPATING IN
COMPETITIONS, SPORTING EVENTS, BETS OR RACES;
LOSSES RESULTING FROM IONIZING RADIATIONS OR RADIOACTIVE
CONTAMINATIONS, FROM ANY TYPE OF RESIDUAL NUCLEAR COMBUSTION;
PROPERTY AND PROFIT LOSSES NOT DIRECTLY RESULTING FROM THE
MATERIAL AND BODILY INJURIES DAMAGES COVERED BY THE INSURANCE
COMPANY;
MORAL DAMAGES; and
DAMAGES CAUSED
ENVIRONMENT.
BY
POLLUTION
OR
CONTAMINATION
OF
THE
What happens if the car rental company insists that the CARDHOLDER
buy its insurance?
The CARDHOLDER should ask the car rental companys representative to call theCUSTOMER
SERVICE using the toll free number assigned to the country, or make a collect call from any country
of the world. The CUSTOMER SERVICE will provide a confirmation of the coverage or a coverage
certification.
Where and when is coverage effective?

This insurance becomes effective when the CARDHOLDER rents a vehicle eligible for the coverage;
this coverage is available 24 hours a day and will remain in effect while the vehicle is in the
possession of the CARDHOLDER or any of the drivers named in the car rental agreement. The
coverage will terminate as soon as the rental car is returned to the car rental company. Vehicles rented
for rental periods of more than thirty-one (31) days are not covered from the thirty-second (32nd) day
on.
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20
What type of insurance coverage is provided?

"Primary" coverage is offered. Should the CARDHOLDER be unable to decline the car rental
companys coverage, this coverage will be secondary to the coverage offered by the car rental
company and the CARDHOLDER will have to pay any expenses that exceed the amounts of coverage
offered by the car rental company and the damages for which the CARDHOLDER may possibly be
held liable.
What vehicles are covered?

Most cars are covered.
SOME OF THE RENTED CARS NOT COVERED INCLUDE:
LUXURY OR EXOTIC CARS, INCLUDING BUT NOT LIMITED TO ASTON-MARTIN,
BENTLEY, BRICKLIN, DAIMLER, DELOREAN, EXCALIBUR, FERRARI, JENSEN,
LAMBORGHINI, LOTUS, MASERATI, PORSCHE AND ROLLS-ROYCE;
VERY
OLD VEHICLES (MORE THAN 20 YEARS OLD OR LEFT TO BE
MANUFACTURED IN THE LAST 10 YEARS);
TRUCKS, PICK-UPS FOR COMMERCIAL USE, MOTORCYCLES,
MOTORIZED BIKES, LIMOUSINES AND RECREATIONAL VEHICLES.
MOPEDS,
4x4 JEEPS ARE COVERED, PROVIDED THAT THEY ARE BEING DRIVEN ON ROADS
MAINTAINED BY THE GOVERNMENT.
MINIVANS TYPE VEHICLES THAT ARE USED TO CARRY MORE THAN 10
PASSENGERS (INCLUDING DRIVER).
MINIVANS TYPE VEHICLE NOT DESIGNED TO
TRANSPORT PASSENGERS.
Should the CARDHOLDER have any questions regarding a
specific vehicle, he/she should contact the CUSTOMER
SERVICE.
What should the CARDHOLDER do in the event

of an accident or theft?
If the CARDHOLDER is involved in an accident or the rented
vehicle is stolen, he/she should contact the CUSTOMER
SERVICE immediately. A representative will answer any questions the CARDHOLDER or the car
rental company representative may have, and will send a CLAIM FORM to the CARDHOLDER.
Visa Infinite
21
The car rental company might require that the CARDHOLDER pay for the damages with his/her Visa
card. Should this occur, the INSURANCE COMPANY will reimburse the CARDHOLDER directly
for the amount, after the claim has been processed.

CARDHOLDERs representative must contact the CUSTOMER SERVICE
immediately or within a maximum of 30 days after the date of the accident or theft,
even if not yet in possession of the documentation that will support the CLAIM FORM.
Delayed communication may result in the loss of the benefit.
What does the CARDHOLDER need from the car rental company in order
to submit a CLAIM FORM?
Upon the occurrence of an accident or return of the rented car on which a claim is being made, the
CARDHOLDER must request the following documents from the car rental company:
A copy of the accident report and a request form indicating the costs for which the
CARDHOLDER is responsible;
A copy of the car rental agreement;
A copy of the repair estimate and final repair invoice;
If available, two photographs of the vehicle showing the damages;
For claims including loss of use charges by the car rental company, a copy of the daily
utilization record for the loss period, if available;
A copy of the police report or accident report (if any).
How is the claim submitted?

Within the timeframes stated in the CLAIM FORM provided by the VISA representative, the
CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDERs representative
must fill out and sign the CLAIM FORM and send it to the address provided therein along with:
A copy of the sales receipt or document showing that the full cost of the booked and rented
car was charged and paid with CARDHOLDERs Visa Infinite Card;
All of the documentation provided to the CARDHOLDER by the car rental company (see the
list of documents) must be submitted to the CUSTOMER SERVICE within the timeframes
established in the CLAIM FORM.
Visa Infinite
22
The claim will remain open during a period of 12 months following the date of loss. During that
period, the CARDHOLDER must support the claim with all of the required documents. No payment
will be made until our CUSTOMER SERVICE has received all the necessary documentation at its
offices.
What else should the CARDHOLDER do?

In normal circumstances, the claim will be paid within a period of 15 days from the date our
CUSTOMER SERVICE receives all required documentation. However, as soon as the claim is paid,
all rights against any person in connection with the incident will be transferred to the INSURANCE
COMPANY.
This means that the INSURANCE COMPANY will have the right to file suit on its own and on behalf
of the CARDHOLDER. The CARDHOLDER will assist the INSURANCE COMPANY in all
manners, as reasonably requested by the INSURANCE COMPANY, in order to help the
INSURANCE COMPANY enforce any rights or recourse the INSURANCE COMPANY may have,
which includes signing all of documents required by the INSURANCE COMPANY to file a suit on
behalf of the CARDHOLDER.

This Car Rental Insurance will be applied to all car rental agreements in force before the date of
cancelation or non-renewal of this policy, provided that all of the other terms and conditions of the
coverage are met.
Cardholders card
Visa Infinite
Area of Coverage
Worldwide**
** Coverage includes cardholders country of card issuance, only if allowed by local regulations.
Visa Infinite
23
B.4. Baggage Delay Insurance

Introduction
The INSUREDS will be automatically covered, up to a maximum of US$500 each, for reasonable
unavoidable expenses incurred for the emergency replacement of essential items during a COVERED
TRIP if, during said COVERED TRIP, the TRANSPORTATION COMPANY delays delivery of
their baggage, misdirects it or temporarily loses it for over six (06) hours, or if baggage delivery is
delayed as a result of TRANSPORTATION COMPANYs financial collapse. The full fare must be
charged to a Visa Infinite Card.
All claims must be submitted to the TRANSPORTATION COMPANY.
Conditions
ALL CLAIMS MUST BE SUPPORTED BY
WRITTEN
PROOF
FROM
THE
TRANSPORTATION
COMPANY
STATING THAT BAGGAGE DELIVERY
WAS DELAYED, PLUS ORIGINAL
RECEIPTS
FOR
THE
ESSENTIAL
REPLACEMENT ITEMS PURCHASED AS
A RESULT OF THE LUGGAGE BEING
DELAYED.
THE BAGGAGE MUST BE DELAYED
FOR OVER SIX (06) HOURS DURING a COVERED TRIP;
CONFISCATION OR SEIZURE OF BAGGAGE BY CUSTOMS OR OTHER
GOVERNMENT AUTHORITY WILL NOT BE GROUNDS FOR A BAGGAGE DELAY
CLAIM.
THIS INSURANCE WILL ONLY CONSIDER CLAIMS FOR CLOTHING ITEMS OR
ESSENTIAL ITEMS ACQUIRED AS A RESULT OF A BAGGAGE DELAY THAT ARE
ACQUIRED WITHIN FOUR (04) DAYS OF INSUREDS ARRIVAL AT THE
DESTINATION;
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24
ANY ALLEGEDLY DELAYED OR LOST BAGGAGE MUST BE FORMALLY CLAIMED

BY INSUREDS AT THE PORT OF DESTINATION BY SUBMITTING THE
APPROPRIATE DOCUMENTATION TO THE TRANSPORTATION COMPANY;
INSUREDS WILL BE REIMBURSED UP TO THE MAXIMUM AMOUNT OF THE
BENEFIT THAT EXCEEDS THE AMOUNTS PAID BY OR OWED BY THE
TRANSPORTATION COMPANY RESPONSIBLE FOR THE LOSS OR ANY OTHER
VALID INSURANCE COVERAGE.
THE INSURED MUST PAY FOR THE ESSENTIAL ITEMS WITH CASH OR A VISA
CARD. PURCHASES PAID FOR WITH A CREDIT OR DEBIT CARD ISSUED BY
ANOTHER ISSUER WILL NOT BE COVERED;
THE COVERAGE ESTABLISHED IN THIS SECTION COMES INTO EFFECT ONLY
AFTER THE CUSTOMER LEAVES HIS/HER POINT OF DEPARTURE;
THE BENEFIT WILL BE A MAXIMUM OF US$100 PER HOUR, STARTING FROM THE
SEVENTH HOUR, UP TO FIVE ADDITIONAL HOURS. THE MAXIMUM BENEFIT IS
US$500.
Exclusions
No expenses or claims will be covered in the event that:
AN ALTERNATIVE AND SIMILAR MEANS OF TRANSPORTATION IS OFFERED
WITHIN SIX (06) HOURS OF THE SCHEDULED DEPARTURE TIME OF THE
BOOKED FLIGHT OR WITHIN SIX (06) HOURS OF THE ACTUAL ARRIVAL OF THE
FLIGHT (IN CASE OF A CONNECTING FLIGHT), OR
IF THE CARDHOLDER FAILS TO CHECK-IN ACCORDING TO HIS/HER SCHEDULED
ITINERARY, EXCEPT IN THE EVENT OF A STRIKE, INTENTIONAL WORK DELAY
DUE TO LABOR DISPUTES OR SIMILAR, OR
IF THE DELAY IS DUE TO AN INDUSTRIAL STRIKE, INTENTIONAL WORK DELAY
DUE TO LABOR DISPUTES, MECHANICAL OR ELECTRICAL MALFUNCTION OR
MALFUNCTION OF THE AIRCRAFT OR VESSEL ON WHICH THE INSURED WAS
SCHEDULED TO TRAVEL, WHICH EXISTED OR FOR WHICH ADVANCE NOTICE
WAS GIVEN ON THE START DATE OR PRIOR TO THE START DATE OF THE
COVERED TRIP, OR
IF THE DELAY IS DUE TO TEMPORARY OR PERMANENT SUSPENSION OF THE
SERVICE OF AN AIRCRAFT OR TRANSPORTATION COMPANY BY ORDER OR
RECOMMENDATION OF ANY PORT AUTHORITY OR THE CIVIL AVIATION
AUTHORITY OR SIMILAR AUTHORITY OF ANY COUNTRY, FOR WHICH THE
CARDHOLDER WAS GIVEN ADVANCE NOTICE ON THE START DATE OR PRIOR
TO THE START DATE OF THE COVERED TRIP, INCLUSIVE, OR
Visa Infinite
25
IF THE TRANSPORTATION COMPANY THAT CAUSED THE DELAY IS ABLE TO

REPAY THE COST OF EXPENSES, OR
IF THE DELAY RESULTED FROM A SUSPECTED BOMB THREAT, OR
IF THE INSURED HAS RETURNED TO HIS/HER POINT OF DEPARTURE OR USUAL
PLACE OF RESIDENCE.
What should the INSURED do if the TRANSPORTATION COMPANY

loses the INSUREDs baggage while it is under its care, control, and
custody?
The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably
before leaving the baggage claim area, or within seven (07) days ofINSUREDs arrival, and submit a
CLAIM FORM supported by the baggage claim receipts.
How do I submit a claim?

After receiving and filling out the CLAIM FORM, the INSURED must submit this to our
CUSTOMER SERVICE, along with the following documentation:
Copy of bank or card statement, as well as a copy of the ticket issued by the
TRANSPORTATION COMPANY for the portion of the trip for which the luggage has
been delayed, so as to prove that the full fare has been paid for with a Visa Infinite Card;
Written proof from the TRANSPORTATION COMPANY that the baggage was delayed,
and
Any additional information to support the claim.
The INSURED, the person designated by the -INSURED or the -INSUREDs

representative must contact our CUSTOMER SERVICE immediately or within no
more than 30 days after the date of arrival, even if all the documentation that will
support the CLAIM FORM is not yet available. Delayed communication may result in
the loss of benefit.

This insurance is effective from December 1, 2003, from the date on which your bank has contracted
this coverage, or from the date on which your card was issued, whichever occurred last, and will
terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or on the
date you cease to be an INSURED, whichever comes first.
Visa Infinite
26
executed between Visa and the INSURANCE COMPANY, including the definitions and
exclusions applicable to this benefit and information on how to submit a claim, please
see the Introduction section of this guide.
Benefit
Visa Infinite
Amount of benefit
US$ 500
Visa Infinite
27
B.5. Baggage Loss Insurance

Introduction
GENERAL PROVISIONS OF THE PROGRAM IS FUNDAMENTAL FOR THE
The INSUREDS will be covered automatically for the maximum limit of the benefit (see table below)
for any baggage that is lost due to theft or misdirection while in the care, custody and control of a
TRANSPORTATION COMPANY licensed to transport passengers for a fare, during a COVERED
TRIP, provided that the full travel fare has been paid for with a Visa Infinite Card.
All claims must be submitted to the TRANSPORTATION COMPANY.
What is the maximum amount of reimbursement?

The INSURED will be reimbursed up to the maximum amount of the benefit (see table below) for any
amount that exceeds the amounts paid or owed by:
the TRANSPORTATION COMPANY responsible for the loss, and
other valid insurance coverage, if any.
Will the coverage still apply if the TRANSPORTATION COMPANY pays

a reimbursement?
Yes. Any valid claims for lost baggage and personal belongings in excess of the reimbursement paid
by the TRANSPORTATION COMPANY will be covered up to the maximum limit of the benefit.
What if the INSURED has another valid insurance?

The benefit will complement any other INSUREDs valid and collectible insurance.
If at the time of the occurrence of any loss there is other valid and collectible insurance in place, the
INSURED will be reimbursed only for the excess of the amount of loss, over the amount of other
insurance and any applicable deductible.
How is the amount of reimbursement determined?

The INSURANCE COMPANY may choose to:
pay for the cost of replacement, or
Visa Infinite
28
for a pair or set:

a) fix or replace the missing piece to return the pair or set to its original amount, or
b) pay for the difference of the value of the asset before and after the loss.
What items are not covered?

BENEFITS WILL NOT BE PROVIDED FOR ANY LOSS OF ANIMALS, BIRDS, OR FISH;
AUTOMOBILES OR AUTOMOBILE EQUIPMENT, BOATS, TRAILERS, MOTORCYCLES, OR
OTHER FORMS OF TRANSPORTATION OR THEIR ACCESSORIES (EXCEPT BICYCLES
CHECKED AS BAGGAGE WITH A TRANSPORTATION COMPANY); HOUSEHOLD
FURNITURE; EYEGLASSES OR CONTACT LENSES; DENTURES OR DENTAL BRIDGES;
HEARING AIDS; PROSTHETIC LIMBS; MUSICAL INSTRUMENTS; MONEY OR
SECURITIES; TICKETS OR DOCUMENTS; PERISHABLES AND CONSUMABLES, 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 are the conditions excluded from the coverage?

NO BENEFITS WILL BE PROVIDED FOR ANY LOSS RESULTING (IN WHOLE OR IN PART)
FROM NORMAL WEAR AND TEAR, INSECTS, PESTS, ADDICTION OR ADDICTIONRELATED DAMAGES, CONFISCATION OR SEIZURE ORDER BY A GOVERNMENT OR
PUBLIC AUTHORITY; KIDNAPPING OR DESTRUCTION OF ITEM DUE TO QUARANTINE
OR CUSTOMS REGULATION; RADIOACTIVE CONTAMINATION, OVERTHROW AND
MEASURES TAKEN BY A GOVERNMENT AUTHORITY TO PREVENT, FIGHT OR DEFEND
ITSELF FROM SAID OVERTHROW, SMUGGLING OR ILLEGAL COMMERCIALIZATION,
MYSTERIOUS DISAPPEARANCE OR BREAKING OF FRAGILE OR DELICATE ITEMS,
INCLUDING RADIOS, AUDIO EQUIPMENT AND SIMILAR ITEMS.
What should the INSURED do if the TRANSPORTATION COMPANY

loses the INSUREDs baggage while it is under its care, control, and
custody?
The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably
before leaving the baggage claim area, or within seven (07) days ofINSUREDs arrival and submit a
formal written complaint supported by the baggage claim receipts to the TRANSPORTATION
COMPANY.
The INSURED will be reimbursed for up to the maximum amount of the benefit (see table below) for
the cost of replacement of the lost baggage and personal effects that is in excess of all other valid and
collectible insurance or reimbursement paid or owed by the TRANSPORTATION COMPANY, as
long as the baggage loss is confirmed by the TRANSPORTATION COMPANY.
Visa Infinite
29
Once the loss of luggage has been confirmed by the TRANSPORTATION COMPANY and the claim
submitted to the TRANSPORTATION COMPANY has been analyzed, the amount of loss in excess
of the TRANSPORTATION COMPANYs reimbursement or any valid insurance will be reimbursed
to the INSURED up to the maximum amount of the benefit. To this end, the INSURED, the person
designated by the INSURED or the INSUREDs representative, depending on the case, must notify
our CUSTOMER SERVICE immediately or within no more than 30 days after the loss of baggage is
confirmed, even if all the documentation that will support the CLAIM FORM is not yet available.

After receiving and filling out the CLAIM FORM, the INSURED must submit this to our
CUSTOMER SERVICE, together with the following documentation:
Copy of bank or card statement, as well as a copy of the ticket issued by the
TRANSPORTATION COMPANY for the itinerary in which the baggage has been lost, so
as to prove that the full fare has been paid for with a Visa Infinite Card;
The documentation related to the final analysis of the claim submitted to the
TRANSPORTATION COMPANY, showing that the TRANSPORTATION COMPANY
will no longer take any measures to locate the baggage, and therefore recognizing that the
loss is irreversible; and
Any additional information to support the claim.
The INSURED, the person designated by the INSURED or the -INSUREDs

representative, depending on the case, must contact our CUSTOMER SERVICE
immediately or within no more than 30 days after the loss of baggage is confirmed,
even if all the documentation that will support the CLAIM FORM is not yet available.
Delayed communication may result in the loss of benefit.

This insurance is effective from January 1, 2001, from the date on which the issuer of your card
on the date you cease to be an INSUREDwhichever comes first.
definitions and exclusions applicable to this benefit and information on how to submit a
Visa Infinite
30
Benefit
Amount of benefit
Visa Infinite
US$ 1,500
Visa Infinite
31
B.6. Trip Delay Insurance

Introduction
The INSUREDS will be covered automatically up to the benefit amount, as established below, for
reasonable expenses if their COVERED TRIP is delayed for more than six hours due to a Covered
Hazard, provided that the full travel fare has been paid for with a Visa Infinite Card. Coverage is in
excess of any other applicable insurance. INSUREDS will be reimbursed up to the maximum amount
of the benefit in excess of any amounts paid by or owed by the TRANSPORTATION COMPANY
responsible for the loss or any other valid insurance coverage.
What are the Covered Hazards?

In the event of delays caused by EQUIPMENT FAILURE, the INSURANCE COMPANY
will cover the expenses incurred due to a delay or interruption of the COVERED TRIP;
In the event of delays caused by SEVERE WEATHER CONDITIONS, the INSURANCE
COMPANY will cover the expenses incurred due to a delay or interruption of the COVERED
TRIP
In the event of delays caused by a strike or any labor dispute involving the COMMON
TRANSPORTATION COMPANY's employees, the INSURANCE COMPANY will cover the
expenses incurred as a result of a delay or interruption of the COVERED TRIP that interferes with the
scheduled departure and arrival times contracted with the COMMON TRANSPORTATION
COMPANY.The full fare must be charged to a Visa Infinite Card.
What expenses resulting from a delay are covered?

The INSURANCE COMPANY will cover reasonable expenses incurred by the INSUREDS as a result
of one of the Covered Hazards above, such as meals and lodging that were not provided by the
TRANSPORTATION COMPANY or any other party, free of charge. The maximum benefit (see table
below) is the total benefit payable, regardless of the number of or length of the delays
What is not covered?
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32
THE INSURED WILL NOT BE COVERED FOR ANY DELAY DUE TO A COVERED HAZARD
THAT WAS MADE PUBLIC OR KNOWN TO THE INSURED PRIOR TO THE DEPARTURE OF
THE COVERED TRIP.

The -INSURED, the person designated by the -INSURED or the -INSUREDs
representative must contact our CUSTOMER SERVICE within 30 days of the date on
which the COVERED TRIP was delayed, even if all the documentation that will
support the CLAIM FORM is not yet available. Delayed communication may result in
the loss of benefit.
Documentation for supporting the Claim

Copy of the receipts for the expenses incurred, as well as a copy of the ticket issued by the
TRANSPORTATION COMPANY, as well as proof that the full fare was paid for with a Visa
Infinite Card; and
Copy of a document provided by the TRANSPORTATION COMPANY confirming that the
COVERED TRIP was delayed due to a Covered Hazard.

It is recommended that the INSURED make
his/her best efforts and act in a conscientious and
reasonable way in order to avoid or minimize any
losses covered by this program.
This insurance is effective from January 1, 2001,
from the date on which the issuer of your card
contracted this coverage, or from the date on
which your card was issued, whichever occurred
last, and will terminate on the expiration date of
the policy contracted with the INSURANCE
COMPANY, or on the date you cease to be an INSURED, whichever comes first.
Cardholders card
Amount Insured
Visa Infinite
US$ 200
Visa Infinite
33
B.7. Trip Cancellation Insurance

Introduction
Who and what is covered?

The INSURED will be covered automatically up to US$2,500 for travel and/or accommodation
expenses related to a COVERED TRIP for which INSUREDS are legally liable and are not
recoverable from any other source if a COVERED TRIP is cancelled between the date of payment of
travel and/or accommodation expenses and the date of commencement of the COVERED TRIP in
the event of:
Serious injury, serious illness, or unexpected death of INSURED, or INSUREDs traveling
companion or immediate family member;
If the BENEFICIARYs place of residence or business has been rendered uninhabitable for 10
days or less prior to the COVERED TRIP as a result of accidental damage; or
If the INSUREDs presence is being required by the Police following burglary or attempted
burglary of the INSUREDs place of residence or business.
The full cost of the trip must be charged to a Visa Infinite Card.
PRE-EXISTING CONDITIONS ARE NOT COVERED. THE COVERAGE COMPLEMENTS ANY

OTHER VALID INSURANCE.
Who is considered a Traveling Companion?

A traveling companion is any person who is not an immediate family member of the INSURED with a
reservation to accompany the INSURED on the COVERED TRIP.
Who is considered an immediate family member?
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34
The INSUREDs spouse, children, stepchildren, siblings, parents, parents-in-law, grandparents,

grandchildren, legal guardian, adoptive children or stepchildren, stepfather or stepmother, aunts,
uncles, nephews and nieces who live in INSUREDs country of residence.
What is considered a Serious Injury or Illness?

The INSURED will be covered for any injury or illness that appears or is contracted between the date
of payment of the travel and/or lodging expenses and the date of commencement of the COVERED
TRIP, and that is diagnosed as life threatening to the INSURED by a legally qualified physician and
that requires medical treatment.
What is considered a pre-existing condition?

In the case of an injury, a pre-existing condition means a condition that requires medical treatment or
for which medical treatment, care or advice has been provided or that has appeared for the first time
before the date on which the insurance has become effective.
In the case of an illness, a pre-existing condition means a condition that occurred up to 90 days prior
to or on the date on which the insurance would have become effective, for which the INSURED has
sought or been advised to seek medical treatment by a licensed physician or whose symptoms would
have led a prudent person to seek medical diagnosis, care or treatment.
A condition will not be considered to be pre-existing if it has been under control for a period of 90
days (with no symptoms or has required no adjustments in treatment or medication) through the use of
prescription medications and for which there is no medical
restriction for traveling.
What is not covered?

1) CLAIMS ARISING FROM:
THE DEFAULT OF ANY:
A) PROVIDER OF TRANSPORT;
B) AGENT OF SUCH PROVIDER;
C) AGENT ACTING FOR THEINSURED;
REGULATIONS MADE BY ANY GOVERNMENT
OR PUBLIC AUTHORITY;
STRIKES OR LABOR DISPUTES WHICH EXISTED
OR OF WHICH ADVANCE WARNING HAD BEEN
GIVEN PRIOR TO THE DATE ON WHICH aCOVERED TRIP WAS BOOKED;
DELAY DUE TO A TEMPORARY OR PERMANENT WITHDRAWAL FROM SERVICE
OF
ANY
TRANSPORTATION
COMPANY
ON
THE
ORDERS
OR
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35
RECOMMENDATIONS OF ANY PORT AUTHORITY OR THE AVIATION AGENCY

OR ANY SIMILAR BODY IN ANY COUNTRY;
DEPRESSION OR ANXIETY, MENTAL OR NERVOUS DISORDER, ALCOHOL OR
DRUG ABUSE, ADDICTION OR OVERDOSE;
ELECTIVE COSMETIC OR PLASTIC SURGERY, EXCEPT AS A RESULT OF AN
ACCIDENT;
PREGNANCY AND ALL RELATED CONDITIONS;
2) ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE EITHER DIRECTLY OR
INDIRECTLY ATTRIBUTABLE TO HIV (HUMAN IMMUNODEFICIENCY VIRUS)
AND/OR ANY HIV-RELATED ILLNESS INCLUDING AIDS (ACQUIRED IMMUNE
DEFICIENCY SYNDROME) AND/OR ANY MUTATION DERIVATIVE OR VARIATIONS
THEREOF, CAUSED IN ANY WAY.
3) CAUSED OR RESULTING DIRECTLY FROM:
ANY COMMERCIAL OR FINANCIAL CONTRACTUAL OBLIGATION OF THE
INSURED PERSON, HIS/HER TRAVELING COMPANION OR IMMEDIATE FAMILY
MEMBER;
CHANGE OF PLANS OR RELUCTANCE OF THE INSURED PERSON, HIS/HER
TRAVELING COMPANION OR IMMEDIATE FAMILY MEMBER TO UNDERTAKE
THE SPECIFICALLY COVERED TRIP.
This is a summary of the insurance policy. For more information on the insurance
policy agreement executed between Visa and the INSURANCE COMPANY, including
the definitions and exclusions applicable to this benefit and information on how to
submit a claim, please see the Introduction section of this guide.

The INSURED, the person designated by the -INSURED or the INSUREDs
representative must contact our CUSTOMER SERVICE immediately or no more than
30 days following the date of cancelation of the -COVERED TRIP, even if all the
documentation that will support the CLAIM FORM is not yet available. Delayed
communication may result in the loss of benefit.
Documentation for supporting the CLAIM FORM
Visa Infinite
36
Note from the physician in charge and other medical records proving the injury or serious
illness or sudden death of the INSURED, or INSUREDs immediate family member or
traveling companion;
In the event of an injury or serious illness, or sudden death of a traveling companion, copies of
the tickets and hotel reservations are required to prove his/her status as traveling companion.
Proof that a Visa Infinite Card was used in advance to pay for the unrecoverable travel and
lodging expenses related to the COVERED TRIP;
Original ticket issued by the TRANSPORTATION COMPANY;
Supporting documentation of: (a) burglary or attempted burglary of the INSURED'S place of
residence or business, or (b) INSUREDs being required to be present following a burglary or
attempted burglary of the INSURED'S place of residence or business.
This insurance is effective from January 1, 2001, from the date on which the issuer of your card
on the date you cease to be AN INSURED, whichever comes first.
Cardholders card
Amount of Benefit
Visa Infinite
Up to US$ 2,500
Visa Infinite
37
B.8. Extended Warranty Protection

Introduction
The CARDHOLDER is provided Extended Warranty Protection, which doubles the free warranty
period established under the original manufacturer's written warranty, providing up to one additional
year of warranty on eligible products with manufacturers warranties lasting three years or less. The
item must be completely paid for with a Visa Infinite Card.
How do I get a repair?

To repair an item, the CARDHOLDER should contact our CUSTOMER SERVICE.
Are gifts included under this coverage?

Yes, as long as the gift has been paid for in full with a valid Visa Infinite Card and meets the terms
and conditions of the program
What items are covered by this protection?

In order to be eligible for this coverage, the full price of the products must have been paid with a valid
Visa Infinite Card and the items must have an original manufacturers written warranty valid in the
country in which they were purchased. This extended warranty protection will begin on the expiration
date of the original warranty, or depending on the case, on the expiration date of the additional
warranty contracted, as provided by Article 2, II, of the SUSEP Directive 388/08.
What items are not covered?

Boats, automobiles, and any other motorized vehicles and their motors or equipment
Any costs other than those specifically covered under the terms of the original manufacturer's
written warranty or other eligible warranty.
Real estate and items that are intended to become part of the real estate;
Items purchased for resale, or for professional or commercial use;
Visa Infinite
38
Products with an original manufacturer's warranty or store warranty lasting less than three (03)
months or more than three (03) years.
If an additional warranty is contracted at the time of purchase, this benefit will only apply after
the expiration of said additional warranty. However, items for which the sum of the original
warranty plus the additional warranty exceeds three (03) years are not covered by this
protection;
Used, refurbished or repaired products;
Custom-made, unique or rare products;
Non-durable or perishable items;
Services (including, without limitation, the execution and rendering of services or
maintenance, repair or installation of products, goods or properties, or any type of professional
advice);
Products covered by satisfaction guarantee programs offered by the manufacturer, the store or
its partners;
Freight and delivery time warranties not included in the original warranty.
Do I need to keep copies of the receipts or any type of record?

To submit a claim, the CARDHOLDER must provide proof that the item was purchased with a Visa
Infinite Card, together with a copy of the original manufacturers written warranty, as well of any
other applicable warranty

The CARDHOLDER, the person designated by the CARDHOLDER or the
CARDHOLDERs representative must contact our CUSTOMER SERVICE
immediately or within no more than 30 days after noticing a defect in the product, even
if all of the documentation that will support the CLAIM FORM is not yet available.
Delayed communication may result in the loss of benefit.
The CUSTOMER SERVICE will request some preliminary information, provide the contact
information for an authorized repair shop and send the appropriate CLAIM FORM. The CLAIM
FORM must be filled out, signed and returned with all the supporting documentation within the
timeframes established in the form. Unless otherwise provided for, the date of the loss will be the date
on which our CUSTOMER SERVICE was first notified of the problem.
Visa Infinite
39
Items given as gift will also be covered. However, the recipient of the gift must provide all of the
documents required for supporting the claim.
What documents must the CARDHOLDER submit with the claim?

The CLAIM FORM, duly completed and signed;
Detailed receipt, proving that the item was purchased with a Visa Infinite Card;
Detailed sales receipt issued by the store;
A copy of the original manufacturer's written warranty, as well as a copy of any other
applicable warranty;
Product description and serial number, and any other documentation that may be necessary or
relevant to support the claim. This includes packaging and, depending on the case, copies of
repair records and receipts;
The original repair request form; and
Proof that the CARDHOLDER is current with all payments to his/her cards issuer at the time
of the claim;
All claims must be fully supported and corroborated.
How will the CARDHOLDER be reimbursed?

The Extended Warranty Protection will pay the authorized repair facility directly for repairs, or if this
is not possible, will reimburse the cardholder once a claim has been filed and approved, up to a
maximum of US$5,000 per incident per carholder account, with a maximum annual limit of
US$25,000 per cardholder account for all
claims. Under no circumstances shall the
amount of reimbursement exceed the amount
of purchase.
Visa Infinite
40
The protection only covers valid and reasonable repairs made at the manufacturer's
authorized repair facility.
In either case, the INSURANCE COMPANY's payment, replacement or repair made in good faith will
fulfill the INSURANCE COMPANY's obligation under the program coverage. Should the item need
to be repaired, the supplier may, at its own discretion, opt to replace the item.
Does the CARDHOLDER need to submit the claim directly to the

CARDHOLDERs insurance company?
If the CARDHOLDER has purchased a service or extended warranty contract, the Visa Extended
Warranty Protection is secondary to that coverage and will only cover the amount in excess of the
primary coverage, up to the limit of the secondary coverage.

This protection benefits only the CARDHOLDER and recipients of gifts bought by the
CARDHOLDER with a Visa Infinite Card. The CARDHOLDER must exercise due diligence and take
all reasonable measures to avoid or minimize any damage to or loss of the products covered by this
program.
Once a repair has been requested, we will open a file for the claim, and this file will remain open for
six months following the date of the loss or damage. No payment will be made until the claim has
been fully proven and supported, as provided by the INSURANCE COMPANY, and within six
months of the moment the defect became apparent in the product.
Basic Benefit
Amount
Visa Infinite
US$5,000 per incident per cardholder

account / maximum annual limit of
US$25,000 per cardholder account
Visa Infinite
41
B.9. Purchase Protection

Introduction
DEFINITIONS OF THE BENEFITS COVERED IN THIS GUIDE" AND ITEM "A.4.
CARDHOLDERS can benefit from the warranty and security offered by Visa's Purchase Protection. If
a product paid for entirely with a Visa Infinite Card is damaged, stolen or lost within 45 days of the
date of purchase, there is a good chance that the cardholder is protected.
To get coverage
Visas Purchase Protection Insurance covers products
paid for entirely with a Visa Infinite Card, whether
bought for the cardholders own use or as gifts;
The purchases do not need to be registered with Visa.
Type of coverage provided

Coverage is secondary. Should the cardholder or the recipient of the gift have any other
insurance that would cover the eligible purchases (such as homeowners, renters, or auto
insurance), Visas Purchase Protection will pay the amount not covered by the primary
insurance up to the amount paid by cardholder for the product with his/her card, subject to the
limits expressed below; and
What is covered
Most products paid for entirely with a Visa Infinite Card are covered for a full 45 days from
the date of purchase indicated on the bank or credit card statement. Coverage is limited to the
cost of the item (excluding delivery and transportation costs) up to US$5,000 per cardholder
account per 12 (twelve) month period. In the event of loss, the INSURANCE COMPANY will
pay for the smallest of the following amounts: a) the amount of the Protected Purchase
charged to the CARDHOLDERs card; or the actual cost of repair of the Protected Purchase
or cost of replacement of the Protected Purchase for an item of equal kind and quality. Under
no circumstance shall the amount paid by the INSURANCE COMPANY exceed the amount
paid by the CARDHOLDER for the Protected Purchase.
Visa Infinite
42
Gifts purchased with the card are also covered, and subject to the same conditions.
Coverage for stolen or damaged articles that form a pair or set will be limited to the cost of the
particular stolen or damaged part or parts. However, if the articles cannot be used, replaced or
repaired individually, the value of the pair or set will be covered. Coverage for stolen or
damaged jewelry or fine art will be limited to the cost of the particular part or parts, regardless
of any special value the article(s) may have had as part of a set or collection.
What is not covered

THEFT OF OR DAMAGE TO JEWELRY, CAMERAS OR VIDEO CAMERAS STORED
INSIDE LUGGAGE WILL NOT BE COVERED UNLESS THEY ARE CARRIED AS
HAND LUGGAGE BY THE CARDHOLDER, UNDER THE PERSONAL SUPERVISION
OF THE CARDHOLDER OR THE SUPERVISION OF A TRAVELING COMPANION OF
THE CARDHOLDER (SOMEONE PREVIOUSLY KNOWN TO THE CARDHOLDER);
SMUGGLING;
LOSS RESULTING FROM AN ILLEGAL ACT OR ACTIVITY;
ITEM PURCHASED FOR RESALE, OR FOR PROFESSIONAL OR COMMERCIAL USE;
RARE OR UNIQUE ITEMS;
LOST ITEMS AND ITEMS THAT MYSTERIOUSLY DISAPPEARED (WHEN THE
ONLY PROOF OF LOSS IS UNEXPLAINED OR THERE IS NO PHYSICAL EVIDENCE
TO SHOW WHAT HAPPENED TO THE ITEM) WITHOUT ANY EVIDENCE OF A
WRONGFUL ACT;
UNLOCKED OR UNATTENDED ARTICLES (LEFT IN PUBLIC SIGHT, OUT OF ARMS
REACH, NOT GIVEN CARE, SUPERVISION OR CONTROL BY THE CARDHOLDER
OR RESPONSIBLE PARTY), ARTICLES STOLEN FROM ANY LOCATION OR PLACE
OPEN TO THE GENERAL PUBLIC OR COMMUNITY FOR USE OR MEMBERSHIP.
PUBLIC PLACES SHALL NOT INCLUDE THE FOLLOWING: THE COVERED
PERSONS PLACE OF EMPLOYMENT, ELEMENTARY OR SECONDARY SCHOOL,
OR PLACES OF WORSHIP.
ITEMS LOST, STOLEN, DAMAGED OR MISDELIVERED WHILE UNDER THE
CONTROL OF A THIRD PARTY OR TRANSPORTATION COMPANY (INCLUDING
BUT NOT LIMITED TO AIRLINE COMPANIES, THE POSTAL SERVICE OR OTHER
DELIVERY SERVICES).
LOSSES DUE TO NORMAL WEAR AND TEAR, MISUSE, FRAUD, GRADUAL
DETERIORATION AND/OR ABUSE;
Visa Infinite
43
ITEMS THAT WERE DAMAGED THROUGH ALTERATION (INCLUDING CUTTING,

SAWING OR SHAPING);
USED, ANTIQUE OR COLLECTIBLE ARTICLES OF ANY KIND (INCLUDING BUT
NOT LIMITED TO CARDS OR TRADING CARDS, STUFFED ANIMALS, ETC.),
RECYCLED, PREVIOUSLY OWNED, REBUILT OR REMANUFACTURED PRODUCTS,
PRODUCT
GUARANTEES (FOR EXAMPLE, GLASS BREAKAGE)
OR
SATISFACTION GUARANTEED ITEMS.
MOTORIZED VEHICLES AND WATERCRAFT, AIRCRAFT, AND MOTORCYCLES OR
THEIR MOTORS, EQUIPMENT OR ACCESSORIES. COVERAGE WILL APPLY TO
MOTORIZED EQUIPMENT USED SOLELY FOR THE UPKEEP AND MAINTENANCE
OF A BUSINESS, BUT NOT FOR COMMERCIAL USE.
LAND, BUILDINGS (INCLUDING BUT NOT LIMITED TO HOMES AND
DWELLINGS), PERMANENTLY INSTALLED ITEMS, FIXTURES OR STRUCTURES.
TRAVELERS CHECKS; TICKETS OF ANY KIND; NEGOTIABLE INSTRUMENTS;
GOLD BULLION BARS; RARE OR PRECIOUS COINS; PHILATELIC AND
NUMISMATIC PROPERTY; CASH OR ITS EQUIVALENT.
DAMAGE CAUSED BY ANIMALS OR PESTS;
PLANTS, ANIMALS, CONSUMER PRODUCTS AND PERISHABLES;
PROFESSIONAL SERVICES (INCLUDING, WITHOUT LIMITATION, THE
EXECUTION OR RENDERING OF SERVICES OR MAINTENANCE; REPAIR OR
INSTALLATION OF PRODUCTS, GOODS OR PROPERTIES, PROFESSIONAL ADVICE
OF ANY TYPE, INCLUDING, WITHOUT LIMITATION, INFORMATION OR
INSTRUCTIONS PROVIDED VIA ANY TYPE OF SUPPORT SERVICE OR HELP DESK,
OR TECHNICAL SUPPORT FOR SOFTWARE OR HARDWARE OR ANY TYPE OF
PERIPHERAL);
APPLICATION SOFTWARE, OPERATING SOFTWARE OR OTHER COMPUTING
PROGRAMS;
WAR OR HOSTILITIES OF ANY TYPE (FOR EXAMPLE, INVASION, REBELLION,
INSURRECTION, RIOT OR CIVIL UNREST), FORFEITURE OR DAMAGE CAUSED BY
ANY GOVERNMENT, PUBLIC AUTHORITY OR CUSTOMS OFFICIAL, RISKS
ARISING FROM SMUGGLING, ILLEGAL ACTS OR ACTIVITIES;
DEFECTS INHERENT TO THE PRODUCT;
RADIOACTIVE CONTAMINATION;
Visa Infinite
44
CASES OF FORCE MAJEURE (INCLUDING, WITHOUT LIMITATION, FLOODS,

HURRICANES AND EARTHQUAKES);
ITEMS STORED IN ANY CONSTRUCTION SITE;
ARTICLES RENTED, LEASED OR BORROWED FOR WHICH THE CARDHOLDER IS
RESPONSIBLE;
ARTICLES STOLEN FROM OR IN CARS, OTHER VEHICLES OR TRANSPORT
COMPANIES, IN COMMERCIAL OPERATION OR OTHERWISE, INCLUDING,
AMONG OTHERS, AIRCRAFT, TRAINS, BOATS, CRUISE SHIPS, TRAILERS OR
OTHER PRIVATE TRANSPORT VEHICLES;
SHIPPING AND HANDLING COSTS, COST OF INSTALLATION OR ASSEMBLYRELATED COSTS;
LOSSES CAUSED BY ANIMALS AND PESTS, TERMITES, FUNGI, WET OR DRY ROT,
BACTERIA OR RUST;
DAMAGES DUE TO A MECHANICAL FAILURE, ELECTRICAL FAILURE, A GLITCH
IN COMPUTER PROGRAMS OR LOSS OF DATA INCLUDING, WITHOUT
LIMITATION, ANY INTERRUPTION OF THE POWER SUPPLY, VOLTAGE
OSCILLATION, PARTIAL OR TOTAL SHUTDOWN OF THE POWER SUPPLY
(BLACKOUTS) OR FAILURE OF TELECOMMUNICATION OR SATELLITE SYSTEMS;
ITEMS DAMAGED AS A RESULT OF NORMAL USE (SUCH AS, FOR EXAMPLE,
SPORTING OR RECREATIONAL EQUIPMENT);
ITEMS THAT WERE DAMAGED THROUGH ALTERATION (INCLUDING CUTTING,
SAWING OR SHAPING);

The CARDHOLDER must keep all of the receipts and invoices of all products bought with a
Visa Infinite Card. They will be required to support a claim;
The CARDHOLDER must report any loss, theft or damage to the police or authority in charge
at the place the incident occurred;
The CARDHOLDER, the person designated by the CARDHOLDER or the CARDHOLDERs

representative, depending on the case, must contact our CUSTOMER SERVICE immediately
or no more than 30 days following the date of incident, even if all the documentation
that will support the CLAIM FORM is not yet available. Delayed communication may
result in the loss of benefit.
Visa Infinite
45
Submit documents proving the loss, up to 30 days from the incident, including all other
documentation that may be required to support or prove the loss, theft or damage;
CLAIM FORM, duly signed;
Visa Infinite Card statement or bank statement;
Detailed purchase receipt, proving that the payment was made with a Visa Infinite Card;
Detailed sales receipt issued by the store;
Police report or report issued by a proper authority;
Copy of repair estimate or repair service receipt;
Copy of the declarations page of any applicable insurance policy, including home or
insurance, even if no insurance is applicable to this incident
Failure to submit all the required documentation within the timeframes established in the
CLAIM FORM may result in the loss of the benefit.
The INSURANCE COMPANY will decide whether the article will be repaired, replaced or
reimbursed, up to the amount of purchase.
General Provisions
No person or entity other than the CARDHOLDER will have any right under this coverage or as a
result of this coverage. No right or benefit conferred to the CARDHOLDERS may be transferred
without the prior written consent of the INSURANCE COMPANY. Any assignment or transfer
without the prior written consent of the INSURANCE COMPANY will be null and void.
Standard benefit
Amount
Visa Infinite
Up to a maximum of US$5,000 per cardholder account

per 12 (twelve) month period
Visa Infinite
46
B.10. Price Protection

Introduction
Visa Price Protection helps you get the best possible price for most purchases you pay for with a Visa
Infinite Card. Simply pay for the entire cost of the product with a Visa Infinite Card and, if within 30
days of the date you purchased the product you see either a print advertisement or non-auction internet
advertisement for the same product (same manufacturer, model number and model year) for a lower
price and in the same country* in which you bought your product with a Visa Infinite Card, you will
be refunded the difference, up to US$250 per item (up to a maximum of US$1.000 per
CARDHOLDER ACCOUNT per twelve-month period). A maximum of 4 claims on any one type of
item may be submitted per CARDHOLDER per twelve-month period. To qualify for Visa Price
Protection, the advertisements must be published or posted after the date you purchased your product
with a Visa Infinite Card. Coverage automatically ends 30 days after the purchase date of the product.
No registration is necessary.
To qualify for a reimbursement, the Cardholder must notify the customer service within 4 calendar
days of seeing the print or online advertisement (on a non-auction website) in which the product is
being offered at a lower price.
This coverage is secondary, and additional to any lower price guarantee offered by the merchant.
*For the US, it will mean the 48 contiguous states. Alaska, Hawaii and other US territories will be
treated separately.
Products that qualify for this coverage

Subject to the exclusion below, the Visa Price Protection program applies to new consumer products,
not intended for commercial or professional use or for resale, paid for entirely with a Visa Infinite
Card whether for the Cardholders own use or given as a gift in the same country in which the product
was bought with a Visa Infinite Card.
Specific definitions for the Price Protection Coverage

Auction site on the Internet where items are sold through offers or bids or where prices vary
according to the number of buyers or individuals interested in buying a particular product.
This definition includes websites where potential buyers compete with others by making
Visa Infinite
47
higher bids as well websites where prices decrease as the number of buyers of a product
increases;
Advertisements on the Internet (on non-auction websites) advertisement posted on the
Internet by an e-commerce company that is not in the auction business and that holds a valid
corporate taxpayer identification number. The advertisement must be posted within 30 days of
the date of purchase, for an identical item (same manufacturer, model number and model
year). The print version of the Internet advertisement must include the merchants electronic
address and customer service number, as well the article, with model number and price, as
well as the date of publication;
Price amount paid for the product, excluding shipping, handling, taxes and other similar
surcharges.
Print Advertisements advertisements published in newspapers, magazines, store flyers or
catalogues, giving the name of the authorized reseller or store, article (including manufacturer
and model number) and sale price. The advertisement must have been posted within 30 days
of the date of purchase, and be valid for an identical item (same manufacturer, model number
and model year); and
Store means the place where the product was originally bought, not including other stores or
properties in the same chain.
What is not covered

THE VISA PRICE PROTECTION PROGRAM DOES NOT APPLY TO:
ANY PRODUCTS PURCHASED ON AN INTERNET WEBSITE WHOSE MAIN
BUSINESS IS NOT THE SALE OF MERCHANDISE;
PRODUCTS PURCHASED FOR COMMERCIAL OR PROFESSIONAL USE, OR FOR
RESALE;
MERCHANDISE FOR WHICH THE CUSTOMER SERVICE HAS NOT BEEN NOTIFIED
WITHIN 4 CALENDAR DAYS OF THE CARDHOLDER HAVING SEEN THE PRINT OR
INTERNET ADVERTISEMENT FOR A LOWER PRICE;
USED, ANTIQUE, RECYCLED, PREVIOUSLY OWNED, RESTORED OR
REMANUFACTURED ITEMS, REGARDLESS OF WHETHER OR NOT CARDHOLDER
IS AWARE OF THEIR CONDITION;
CUSTOM-MADE, EXCLUSIVE AND UNIQUE ITEMS;
JEWELRY, COLLECTIBLES, ART, ANTIQUES, SPECIAL ORDERS, RARE OR ONEOF-A-KIND ITEMS
Visa Infinite
48
PRODUCTS RESERVED AND PAID FOR

THROUGH LAYAWAY PLANS;
ITEMS THAT HAVE BEEN RETURNED
TO THE STORE;
ANY PRODUCTS ACQUIRED FROM AN
INTERNET AUCTION SITE;
ARTICLES FOR WHICH THE PRINT
ADVERTISEMENT OR NON-AUCTION
INTERNET
ADVERTISEMENT
CONTAINING THE LOWER PRICE WAS PUBLISHED MORE THAN 30 DAYS AFTER
THE DATE OF THE PURCHASE IN QUESTION.
ITEMS ADVERTISED OR PRESENTED AS BIDS, PROPOSALS OR SALES PRICE
BASED ON FINAL VOLUME ON A NON-AUCTION WEBSITE.
ITEMS ADVERTISED AS A LIMITED AMOUNT OF MERCHANDISE, MOVING
SALE, CASH ONLY; GOING OUT OF BUSINESS, OR AS A RESULT OF SAID
SALES, ITEMS PRESENTED THROUGH PRICE LISTS OR BIDS, SAVINGS
RESULTING FROM THE USE OF MANUFACTURER COUPONS OR FREE GIFTS,
WHEN THE ADVERTISED PRICE INCLUDES A BONUS OR FREE OFFER, SPECIAL
FINANCING, INSTALLMENTS OR DISCOUNT, OFFERS OF UNIQUE PRODUCTS
AND OTHER LIMITED OFFERS;
SERVICES (INCLUDING, BUT NOT LIMITED TO, THE EXECUTION AND
RENDERING OF SERVICES OR MAINTENANCE, PRODUCT REPAIR OR
INSTALLATION, GOODS OR PROPERTIES OR ANY TYPE OF PROFESSIONAL
ADVICE);
NON-DURABLE OR PERISHABLE ITEMS;
WATERCRAFTS, MOTORIZED VEHICLES (INCLUDING, BUT NOT LIMITED TO,
SNOWMOBILES, AIRPLANES, AUTOMOBILES AND MOTORCYCLES), AND THEIR
MOTORS, EQUIPMENT AND ACCESSORIES (INCLUDING, BUT NOT LIMITED TO,
COMMUNICATION DEVICES EXCLUSIVELY DESIGNED FOR USE IN THE
VEHICLE);
ANY TYPE OF LABOR, INCLUDING THAT RELATED TO NEW ITEMS THAT
QUALIFY FOR THIS PROGRAM;
LAND, PERMANENT STRUCTURES AND FIXTURES (INCLUDING, BUT NOT
LIMITED TO, BUILDINGS, HOMES AND IMPROVEMENTS TO HOMES AND
BUILDINGS);
Visa Infinite
49
PLANTS AND LIVE ANIMALS;

STUFFED OR MOUNTED ANIMALS, FISHING AND HUNTING TROPHIES, OBJECTS
PRESERVED
THROUGH
TAXIDERMY,
MUMMIFICATION
OR
OTHER
PRESERVATION METHODS;
AIRLINE TICKETS (OR TICKETS FOR ANY TYPE OF TRANSPORTATION),
TRAVELLERS CHECKS, CASH OR CASH EQUIVALENTS, NEGOTIABLE
INSTRUMENTS, CARDS OR TRADING CARDS, GOLD BULLION BARS, STAMPS,
LOTTERY TICKETS OR OTHER ITEMS RELATED TO BETTING, TICKETS TO
EVENTS OR SHOWS, OR PHILATELIC OR NUMISMATIC ITEMS;
PRICE DIFFERENCES RESULTING FROM TAXES, OR FROM STORAGE, FREIGHT,
HANDLING, POSTAGE, TRANSPORT OR DELIVERY FEES;
PRICE DIFFERENCES DUE TO EXCHANGE RATES OR FLUCTUATIONS IN THE
EXCHANGE RATE;
DELAYS, LOSS OF USE, LOSS OF MARKET, BUSINESS INTERRUPTION OR ANY
OTHER DIRECT OR CONSEQUENTIAL LOSS OR DAMAGE;
PHARMACEUTICAL AND OTHER MEDICAL PRODUCTS, EYE PRODUCTS AND
MEDICAL EQUIPMENT;
ANY ILLEGALLY ACQUIRED ITEMS;
PRICE DIFFERENCES WHEN THE ADVERTISING IS PUBLISHED OUTSIDE THE
COUNTRY OF WHERE THE PURCHASE WAS MADE OR IN A FREE ZONE (DUTY
FREE) TARGETING A SPECIFIC REGION;
ANY PRICE DIFFERENCE FOR AN ITEM SOLD AS
A SPECIAL OFFER, AVAILABLE ONLY TO
MEMBERS OF SPECIFIC ORGANIZATIONS OR
AT PLACES NOT OPEN TO THE GENERAL
PUBLIC, SUCH AS CLUBS AND ASSOCIATIONS,
EXCEPT FOR THOSE AVAILABLE WITH YOUR
PAYMENT CARD; and
ARTICLES WHOSE PRICE IS ELIGIBLE FOR ANY
TYPE OF REIMBURSEMENT, THAT IS, WHEN
THE FINAL PRICE OF THE PURCHASE IS
DETERMINED AFTER A DISCOUNT OR
REIMBURSEMENT IS APPLIED.
How to submit a claim

For print advertisement
Visa Infinite
50
Save the print advertisement in which the same article from the same manufacturer is offered
at a lower price, and published by a store in the same country of purchase (excluding any taxes
and shipping/handling fees);
Contact our CUSTOMER SERVICE within 4 calendar days of seeing the print or Internet
advertisement (on a non-auction site) offering the item at a lower price in order to get a
CLAIM FORM and instructions on how to complete it.
Fill out the CLAIM FORM and return it with all the required documentation within the
timeframes established therein. The following information will be required:
Legible copy of the original detailed sales receipt, with date of purchase;
Legible copy of bank statement or card statement proving that the product was paid
for with a Visa Infinite Card;
Copy of the print advertisement, with date of publication, name of the store or
distributor, product (including model number) and price; and
Any other reasonable documentation that may be requested.
Once all the documentation has been submitted and the claim has been verified, the
CARDHOLDER will be reimbursed for the price difference, up to a maximum of US$ 250 per
item and US$ 1,000 per CARDHOLDER account, per 12-month period.
For an Internet advertisement (excluding auction sites)

In order to qualify for the Visa Price Protection, the CARDHOLDER must request his/her
reimbursement by telephone from our CUSTOMER SERVICE, within 4 calendar days of
seeing the advertisement on the Internet (on a non-auction site). The CARDHOLDER will
be required to provide the Internet address where the advertisement was posted. CUSTOMER
SERVICE will send a CLAIM FORM;
The CARDHOLDER must fill out the CLAIM FORM and return it with all required
documentation within the timeframes established therein. The following information will be
required:
Legible copy of the original detailed sales receipt, with date of purchase;
Legible copy of bank statement or card statement proving that the product was paid
for with a Visa Infinite Card;
A copy of the Internet advertisement (excluding auction websites) showing the date on
which it was posted, merchants name, website address, customer service number,
product (including model number), sales price and, if applicable, costs of shipping,
handling and other similar costs; and
Visa Infinite
51
Any other reasonably requested documentation.
Once all the documentation has been submitted and the claim has been verified, the
CARDHOLDER will be reimbursed for the price difference, up to a maximum of US$ 250 per
item and US$ 1,000 per CARDHOLDER account, per 12-month period.
General Provisions
No person or entity other than the CARDHOLDER will have any right under this program or
resulting from it. No right or benefit conferred to the CARDHOLDERS by the Visa Price
Protection program can be transferred without the prior written consent of the INSURANCE
COMPANY. Any assignment or transfer without the prior written consent of the
INSURANCE COMPANY will be null and void.
Standard benefit
Amount
Visa Infinite
US$ 250 per item up to a maximum of US$ 1,000 per

CARDHOLDER, per 12-month period
Visa Infinite
52
General Exclusions to Benefits in Section B.

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
INTENTIONALLY SELF-INFLICTED INJURIES;

SUICIDE OR ATTEMPTED SUICIDE IN A SANE MENTAL STATE:
DISEASES, UNLESS OTHERWISE PROVIDED FOR IN THE INSURANCE
POLICIES;
BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN
INJURIES OR IF DEATH IS RESULTED BY ACCIDENTAL INGESTION OF A
SUBSTANCE CONTAMINATED BY BACTERIA;
DAMAGES ARISING OUT OF ACTS OF WAR, DECLARED OR NOT;
ACCIDENTS THAT OCCURRED WHILE A PASSENGER IS (I) OPERATING,
LEARNING HOW TO OPERATE, OR SERVING AS A CREW MEMBER OF AN
AIRCRAFT;
DAMAGES IN WHICH ONE OF THE CONCURRENT CAUSES HAS BEEN THE
PRACTICE OF, OR ATTEMPT TO PRACTICE, AN ILLEGAL ACT ON BEHALF
OF AN INSURED;
PARTICIPATION IN ANY CONTACT SPORT OR TEAM PROFESSIONAL, SEMIPROFESSIONAL OR COLLEGE SPORT;
PARTICIPATION IN EXTREME SPORTS, AS WELL UNDERSTOOD BY SPEED
COMPETITIONS WHERE THEY USE MOTOR VEHICLES OR BIKES,
PARACHUTING, SKYDIVING, HANG GLIDING, BUNGEE JUMPING, SKI,
SCUBA DIVING, CLIMBING, SPELUNKING, OR MOTORCYCLE RACING
ABOVE 100CCS;
DAMAGES OCCURRED WHILE THE INSURED WAS SERVING IN THE ARMY,
NAVY OR AIR FORCE, IN ANY COUNTRY;
DAMAGES WHEN UNDER THE INFLUENCE OF DRUGS, ALCOHOL OR
OTHER DRUGS, EXCEPT AS PRESCRIBED BY A QUALIFIED PROFESSIONAL
AND TAKEN TO TREAT DRUG ADDICTIONS, AS INDICATED IN THE
MEDICAL PRESCRIPTIONS;
DEPRESSION, ANXIETY, MENTAL OR NERVOUS DISORDERS OR
TREATMENTS KNOWN AS "REST CURES";
PREGNANCY AND PREGNANCY-RELATED CONDITIONS, INCLUDING
FERTILITY TREATMENT OR OTHER MEDICAL ISSUES RELATED TO A
WOMANS INABILITY TO CONCEIVE;
INSURED TRAVELING AGAINST A PHYSICIANS RECOMMENDATIONS;
ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE, DIRECTLY OR
INDIRECTLY ATTRIBUTABLE TO THE HIV VIRUS AND/OR HIV-RELATED
CONDITIONS, INCLUDING AIDS AND/OR ANY MUTATIONS OR VARIATIONS
THEREOF OR SOMEHOW CAUSED BY IT;
ANY EXPENSES COVERED BY POLICIES AND INSURANCE POLICIES
RELATED TO WORKERS COMPENSATION OR EMPLOYEE RISKS.
ELECTIVE PLASTIC AND COSMETIC SURGERY, EXCEPT WHEN MEDICALLY
REQUIRED AS THE RESULT OF DAMAGES;
ANY DAMAGE RESULTING IN A HERNIA;
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Section C. Other Benefits

C.1. Compensation for Medical Emergencies
Introduction
KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT. PLEASE NOTE THE
ADDITIONAL DEFINITIONS BELOW WHICH ARE APPLICABLE FOR THE BENEFITS
DESCRIBED IN THIS SECTION C.
The Compensation for Medical Emergencies benefit will be offered to BENEFICIARIES up to the
limit of the benefit, during an ELIGIBLE TRIP. The BENEFICIARIES will use the benefit, either
when traveling together or separately.
What is considered a MEDICAL EMERGENCY?

A sudden, unforeseen and urgent medical condition that requires immediate medical services or
treatment or surgical treatment to relieve acute pain and suffering during an ELIGIBLE TRIP and
which may prevent the ELIGIBLE TRIPs completion, for which the BENEFICIARY seeks treatment,
and for which medical services are paid for in accordance with the terms and conditions of these
benefits.
How do you get the MEDICAL EMERGENCY benefit?

Should the BENEFICIARY need the services of a physician or a medical service provider, our
CUSTOMER SERVICE is there to help him/her. The BENEFICIARY needs to contact our
CUSTOMER SERVICE immediately or within 30 days followingthe date on which the MEDICAL
EMERGENCY or ACCIDENT occurred.
What is the amount of the MEDICAL EMERGENCY benefit?

Each BENEFICIARY is entitled to receive up to US$ 30,000 ( 30,000 in European Union countries
participating in the Schengen Treaty) for the USUAL, REASONABLE AND CUSTOMARY
CHARGES incurred for included medical expenses in the event of a MEDICAL EMERGENCY or
ACCIDENT during the course of an ELIGIBLE TRIP. All medical expenses included are in excess
of any other valid type of insurance that the BENEFICIARY holds. The benefit will not apply in the
case of CHRONIC ILLNESS or PRE-EXISTING CONDITIONS. Treatment must be received upon
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the recommendation of a LICENSED PHYSICIAN and provided during the course of an ELIGIBLE
TRIP.
When are the benefits offered?

The benefit will be granted for incidents which have occurred up to the 60th (sixtieth) day of an
ELIGIBLE TRIP. Should the BENEFICIARY be hospitalized, the benefit will be extended until the
earlier of the following, whichever comes first:
- the maximum limits of the benefit are reached; or
- the BENEFICIARY is discharged from the hospital.
What are the main characteristics of the MEDICAL EMERGENCY

benefit?
This benefit is valid anywhere in the world, except for the COUNTRY OF RESIDENCE of
the BENEFICIARY or the COUNTRY OF CARD ISSUANCE;
The benefit is valid for an ELIGIBLE TRIP for up to sixty (60) consecutive days;
The benefit of compensation for Medical Emergencies will be offered up to the maximum
limit of US$ 30,000 per BENEFICIARY-;
There is no limitation on the number of ELIGIBLE TRIPs; and
Benefits in the Schengen area: when the BENEFICIARY travels to any European Union
country participating in the Schengen Treaty during an ELIGIBLE TRIP, the maximum
benefit for medical expenses will be automatically increased to up to 30.000 in said country.
What should the BENEFICIARY do if he/she needs emergency medical

assistance during an ELIGIBLE TRIP?
CARDHOLDERs representative must contact our CUSTOMER SERVICE
immediately or within no more than 30 days of the occurrence of the ACCIDENT or
MEDICAL EMERGENCY. Delayed communication may result in the loss of the
benefit.
Will the BENEFICIARY have to pay for all of his/her medical expenses?
In the event that the BENEFICIARY contacts our CUSTOMER SERVICE due to an ACCIDENT or
MEDICAL EMERGENCY, CUSTOMER SERVICE will coordinate the services provided and when
possible, pay all of the included medical expenses directly, which will allow the BENEFICIARY to
avoid using his/her funds to pay for included medical expenses and have to request reimbursement.
Payment by CUSTOMER SERVICE for all included medical expenses on behalf of the
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BENEFICIARY is only possible if CUSTOMER SERVICE is notified at the point of service and
certain documentation is provided as requested by CUSTOMER SERVICE, which enables our
CUSTOMER SERVICE to contact the hospital or clinic directly and process the payment, so that the
CARDHOLDER is not required to make any payments. However, certain restrictions apply based
upon the location and the requirements of the medical provider.
In the event that the BENEFICIARY is unable to, or chooses not to, contact CUSTOMER SERVICE,
he/she should contact a LICENSED PHYSICIAN or a licensed and authorized hospital, pay for the
services provided and submit the itemized bills for the included medical expenses to CUSTOMER
SERVICE to claim reimbursement.
What is included in the Compensation for Medical Emergencies benefit?

The expenses covered by this benefit are the medical and prescription expenses incurred by the
BENEFICIARY during an ELIGIBLE TRIP following the recommendations of a LICENSED
PHYSICIAN. Subject to the benefit limit, as described above, the benefit includes expenses related to:
Services of a physician;
Hospitalization and use of operating room;
Anesthetics (including their administration), x-rays, or treatments and lab exams;
Ambulance services, medications, therapeutic services and supplies; and
Emergency Dental Care resulting from an ACCIDENT -, up to a maximum amount of US$
1,000.
What hospitals are approved to provide the services?

Hospitals approved to provide the services are those that:
Hold a valid license (if required by law);
Have as their primary business the treatment and care of ill or injured people;
Maintain a staff of one or more physicians available at all hours;
Provide 24-hour nursing services and have at least one registered nurse at all hours;
Have organized facilities for diagnostics and surgery, whether on location or in facilities made
available to the hospital as a result of a previous negotiation; and
Are not, except incidentally, a clinic, nursing home, retirement home or place of
convalescence for the elderly or a facility operated as a center for treating drug and/or alcohol
addiction.
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What is not included?

Limitations and Exclusions
1. ANY CHRONIC ILLNESS OR PRE-EXISTING CONDITION AND THEIR
CONSEQUENCES OR CONSEQUENCES RELATED THERETO AND/OR ANY
RELAPSE OR PERIODS OF CONVALESCENCE.
FOR PURPOSES OF THIS
LIMITATION AND EXCLUSION, CONSEQUENCES OR CONSEQUENCES RELATED
THERETO ARE ANY COMPLICATIONS OR EFFECTS RELATED TO THE PREEXISTING CONDITION OR CHRONIC ILLNESS THAT MAY HAVE ANY
CONTRIBUTION TO THE MEDICAL EMERGENCY. SOME EXAMPLES INCLUDE,
BUT ARE NOT LIMITED TO, ADHESIONS FROM A PRIOR RUPTURED APPENDIX
CAUSING A BOWEL OBSTRUCTION; FRACTURE ACROSS AN OLD FRACTURE
SITE; ACUTE BRONCHITIS IN A PATIENT WITH CHRONIC BRONCHITIS; EMBOLIC
STROKE IN A PATIENT WITH STABLE ATRIAL FIBRILLATION; HEART ATTACKS
IN THE PRESENCE OF HIGH BLOOD PRESSURE OR HIGH CHOLESTEROL.
2. ANY MEDICAL EMERGENCY RESULTING FROM A AN ELIGIBLE TRIP
UNDERTAKEN AGAINST MEDICAL ADVICE OR OCCURRING WHILE A PREEXISTING CONDITION WAS BEING TREATED ABROAD.
3. TREATMENT, COMPLICATIONS OR SIDE EFFECTS RESULTING FROM THE
INGESTION OF DRUGS FOR MENTAL OR NERVOUS ILLNESS. TREATMENT OF
MENTAL ILLNESS OR NERVOUS DISORDERS. CONSULTATION AND TREATMENT
DETERMINED BY A PSYCHIATRIST. ILLNESS, INJURIES AND EXPENSES ARISING
FROM THE USE OF NARCOTICS, DRUGS OR MEDICATION TAKEN WITHOUT A
PRESCRIPTION. TREATMENT OF ALCOHOLISM OR ANY TYPE OF DRUG
ADDICTION AND ANY COMPLICATIONS ARISING THEREFROM INCLUDING, BUT
NOT LIMITED TO, SERVICES OR PROGRAMS FOR TREATING ALCOHOLISM AND
DRUG ADDICTION.
4. ANY COMPLICATION DUE TO PREGNANCY, CHILDBIRTH, MISCARRIAGE OR
ABORTION, INCLUDING THOSE THAT OCCUR DURING THE FIRST TRIMESTER OF
PREGNANCY.
5. TREATMENT OF ANY ILLNESS OR SELF-INFLICTED INJURY, SUCH AS SUICIDE
OR ATTEMPTED SUICIDE, AND ANY CONSEQUENCES THEREOF, WHICH
OCCURRED WHEN THE BENEFICIARY WAS IN A SOUND OR UNSOUND STATE OF
MIND.
6. BEING UNDER THE INFLUENCE OF DRUGS OR NARCOTICS, EXCEPT WHEN THEY
HAVE BEEN PRESCRIBED BY A LICENSED PHYSICIAN.
7. TREATMENT
AND/OR
COMPLICATIONS
DUE
TO
THE
HUMAN
IMMUNODEFICIENCY VIRUS (HIV) OR ACQUIRED IMMUNODEFICIENCY
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SYNDROME (AIDS), AND AIDS RELATED COMPLEX (ARC). TREATMENT OF

SEXUALLY
TRANSMITTED
DISEASES.
8. CHIROPRACTIC
TREATMENT;
HOMEOPATHIC
TREATMENT;
ACUPUNCTURE,
OCCUPATIONAL
THERAPY, PHYSICAL THERAPY.
9. ANY TREATMENT OR SERVICE
PROVIDED BY REHABILITATION
INSTITUTIONS OR TREATMENT
CENTERS,
GERIATRIC
INSTITUTIONS OR TREATMENT CENTERS, AND BY INSTITUTIONS THAT ARE
NOT HOSPITALS INCLUDING, BUT NOT LIMITED TO, THERMAL BATHS, SPAS
AND HYDROTHERAPY CLINICS.
10. ANY DENTAL OR ORTHODONTIC TREATMENT, EXCEPT IN THE EVENT OF
EMERGENCY DENTAL CARE.
11. DIAGNOSTIC EXAMS OR TESTS THAT ARE PART OF A ROUTINE PHYSICAL
EXAMINATION OR SCHEDULED TREATMENT, INCLUDING, BUT NOT LIMITED
TO: VACCINES, ROUTINE EYE AND EAR EXAMS, OPTOMETRY AND VISION
CORRECTION, EYEGLASSES, CONTACT LENSES, HEARING AIDS AND ANY KIND
OF MAINTENANCE OR ADJUSTMENT THEREOF, PROSTHETICS, PURCHASE OR
RENTAL OF HUMIDIFIERS, ATOMIZERS, WALKERS OR CANES, INHALERS,
EXERCISE EQUIPMENT OR SIMILAR EQUIPMENT.
12. COSMETIC PLASTIC SURGERY, EXCEPT FOR RECONSTRUCTION SURGERY
PERFORMED AS A RESULT OF AN ACCIDENT OR MEDICAL EMERGENCY.
13. ORGAN TRANSPLANTS OR THE TRANSPORT THEREOF;
14. FOOT TREATMENTS INCLUDING, BUT NOT LIMITED TO, CALLUSES, CORNS,
FLAT FEET, WEAK ARCHES, CONGENITAL DISEASE AND ANY TYPE
OFPROSTHESIS .
15. TREATMENT OF SEXUAL DYSFUNCTION OR SEXUAL ISSUES. SERVICES OR
CARE RELATED TO MALE OR FEMALE STERILIZATION. SERVICES OR CARE
RELATED TO BIRTH CONTROL.
16. ANY TREATMENT THAT IS NOT RELATED TO AN ACCIDENT OR A MEDICAL

EMERGENCY.
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17. ANY KIND OF SERVICE OR CARE RECEIVED BY THE BENEFICIARY RELATED TO

WEIGHT CONTROL OR THE TREATMENT OF OBESITY, WHETHER IN THE FORM
OF DIET, LIQUID INJECTION, MEDICATION OR SURGERY OF ANY KIND.
18. TREATMENT OF ANY MEDICAL EMERGENCY, ACCIDENT OR INCIDENTAL
EXPENSES RESULTING DIRECTLY OR INDIRECTLY FROM THE BENEFICIARYS
INVOLVEMENT IN WARS, REVOLUTIONS, CIVIL UNREST, CONSPIRACIES, RIOTS,
PUBLIC DISTURBANCES, OR ANY CRIMINAL OR ILLEGAL ACTIVITY, WHETHER
AS A PRINCIPAL, AID, OR IN ANY OTHER CAPACITY, INCLUDING, BUT NOT
LIMITED TO, PHYSICAL FIGHTS INITIATED BY THE BENEFICIARY.
19. HOTEL, RESTAURANT OR TAXI EXPENSES.
20. ANY COSTS OF MEDICAL CARE AND/OR MEDICAL TREATMENT INCURRED BY
THE BENEFICIARY AFTER THE END OF THE ELIGIBLE TRIP, RELATED OR
UNRELATED TO AN ACCIDENT OR MEDICAL EMERGENCY THAT APPEARED OR
WERE DIAGNOSED WHILE THE BENEFICIARY WAS TRAVELING.
21. WORK-RELATED DISEASES OR THEIR CONSEQUENCES.
22. ANY TREATMENT OR SERVICE THAT IS NOT SPECIFICALLY PROVIDED FOR
UNDER THIS BENEFIT.
23. CIRCUMSTANCES RESULTING FROM OR IN ANY WAY RELATED TO FORCE
MAJEURE, SUCH AS STRIKES, ACTS OF SABOTAGE, CIVIL OR INTERNATIONAL
WARS, RIOTS, TERRORISM, ETC.
24. MEDICAL RECORDS FEES.
25. THE COSTS OF A FUNERAL.
26. ANY MEDICAL TREATMENT, MEDICAL CHECK OR MEDICAL SERVICE KNOWN
BEFORE HAND, OR MEDICAL EXPENSES INCURRED WHERE TRAVEL HAS BEEN
UNDERTAKEN FOR THE SPECIFIC PURPOSE OF SECURING MEDICAL
TREATMENT.
27. TREATMENT OF A MEDICAL EMERGENCY OR FROM AN ACCIDENT RESULTING
FROM THE PRACTICE OF A PROFESSIONAL SPORT OR OF ANY SPORT OR
ACTIVITY THAT MAY POSE A RISK TO THE BENEFICIARYS LIFE, RESULTING
OR NOT FROM THE BENEFICIARYS OWN IRRESPONSIBILITY, LACK OF SKILL,
OR LACK OF EXPERIENCE, INCLUDING, BUT NOT LIMITED TO: SKYDIVING,
PARAGLIDING, HANG-GLIDING, RAFTING, DRIVING UNLICENSED OFF-ROAD
VEHICLES, MOUNTAINEERING, EQUESTRIAN SPORTS, WINTER SPORTS NOT
PRACTICED IN A RESORT AND UNDER NORMAL SAFETY CONDITIONS, CAR
RACING, MOTORCYCLE RACING AND ANY TYPE OF RACES EXCEPT FOR
FOOTRACES, AND UNDERWATER ACTIVITIES.
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28. TREATMENT OF A MEDICAL EMERGENCY OR FROM AN ACCIDENT RESULTING

FROM THE FAILURE TO ABIDE BY LOCAL LAWS, RULES, REGULATIONS OR
NORMAL SAFETY STANDARDS.
The BENEFICIARY is also entitled to the following services worldwide:

Emergency Medical Evacuation: up to US$ 100,000 to include expenses incurred during the
course of an ELIGIBLE TRIP should the BENEFICIARYS MEDICAL EMERGENCY
require an emergency medical evacuation, due to a lack of appropriate medical facilities at the
site where the ACCIDENT or MEDICAL EMERGENCY occurred. CUSTOMER SERVICE
will coordinate and pay for USUAL, REASONABLE AND CUSTOMARY EXPENSES
incurred for emergency medical evacuation to the nearest medical facility equipped to provide
the adequate emergency treatment;
Repatriation of Mortal Remains: up to a maximum of US$ 100,000 for USUAL,
REASONABLE AND CUSTOMARY EXPENSES in the event of the BENEFICIARYs
unexpected death during an ELIGIBLE TRIP. Our CUSTOMER SERVICE will secure the
proper governmental authorizations and pay for the USUAL, REASONABLE AND
CUSTOMARY EXPENSES to preserve and bring the BENEFICIARYS mortal remains and
the required COUNTRY OF RESIDENCE casket for repatriating the mortal remains to the
BENEFICIARYs COUNTRY OF RESIDENCE. THE COSTS OF A FUNERAL ARE
EXCLUDED;
Early Return: up to a maximum of US$ 10,000 to pay for the additional charge imposed by
the TRANSPORTATION COMPANY for a ticket change requested for the early return of the
BENEFICIARY due to the unexpected death, or MEDICAL EMERGENCY of his/her
traveling companion or immediate family member (ascendant or descendent up to the first
generation and collateral up to the second generation). If the ticket is not reimbursable and
there is no way to change the flight, this benefit will cover an economy class ticket whose cost
is lower than the maximum benefit indicated herein. CUSTOMER SERVICE must coordinate
and make all the necessary arrangements to bring the BENEFICIARY home;
Trip Interruption: up to a maximum of US$ 1,000 for the BENEFICIARYS loss of unused
pre-paid travel and/or lodging expenses (that are not eligible for reimbursement, either in cash
or credit), in the event that an ELIGIBLE TRIP is interrupted due to an ACCIDENT or
MEDICAL EMERGENCY of the BENEFICIARY or BENEFICIARYs traveling companion
or immediate family member (ascendant or descendent up to the first generation and collateral
up to the second generation);
Convalescence: up to a maximum of US$ 1,000 (US$ 200 per day) to meet the costs of a
hotel room if it is determined that the BENEFICIARY needs convalescence as a result of an
included hospitalization, due to an ACCIDENT or MEDICAL EMERGENCY. The
BENEFICIARY will receive or be reimbursed for the costs that exceed the USUAL,
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REASONABLE AND CUSTOMARY CHARGES of a hotel room only in case the

BENEFICIARY has been hospitalized for five (05) consecutive days or more;
Emergency Family Travel: up to a maximum of US$ 10,000 if the BENEFICIARY is
hospitalized for more than 5 days, provided that said hospitalization is included in this
protection, while undertaking an ELIGIBLE TRIP with no companion. Arrangements will be
made and the cost of a round- trip economy class air ticket will be paid for so that a family
member or a person designated by the CARDHOLDER may stay with the CARDHOLDER.
OTHER EXPENSES INCURRED BY THE FAMILY MEMBER OR BY THE PERSON
DESIGNATED BY THE CARDHOLDER WILL NOT BEINCLUDED Maximum benefit
will not exceed the amount of US$ 10,000 per 12-month period;
Return of an Elderly Traveling Companion or Minor: up to a maximum of US$ 10,000 to
include the cost of a BENEFICIARY, or the cost for a person who will accompany the minor
or elderly dependent during the trip back home, in the event that the BENEFICIARY is
hospitalized in a foreign country, except the COUNTRY OF RESIDENCE or COUNTRY OF
CARD ISSUANCE for more than five (05) days during an ELIGIBLE TRIP;
Emergency Dental Care: up to a maximum of US$ 1,000 to include the cost of emergency
dental treatment, understood as an accidental injury to healthy and natural teeth, that requires
immediate treatment for temporary relief of pain and acute suffering;
Outof-Pocket Prescription Expenses: up to a maximum of US$ 1,000 to meet prescription
expenses prescribed by a LICENSED PHYSICIAN which are incurred for treating an
ACCIDENT or MEDICAL EMERGENCY; and
Legal Expenses: reimbursement, after a determination that the benefit is included, up to a
maximum of US$ 1,000 to include legal expenses, should the BENEFICIARY incur this type
of expense during an ELIGIBLE TRIP as the result of a false arrest or wrongful detention by
any government or foreign power.
What happens if the MEDICAL EMERGENCY is so severe that it results

in death or requires an Emergency Medical Evacuation?
In the event of the BENEFICIARYs death during an ELIGIBLE TRIP, our CUSTOMER SERVICE
will secure all of the necessary permits and pay the costs of transporting the mortal remains and the
necessary casket for the return of the BENEFICIARYs remains to his/her COUNTRY OF
RESIDENCE, up to a maximum of US$ 100,000. THE COSTS OF A FUNERAL ARE EXCLUDED.
If a LICENSED PHYSICIAN certifies that the seriousness or nature of the BENEFICIARYs illness
or injury requires an Emergency Medical Evacuation, and provided that this evacuation is approved
and authorized by CUSTOMER SERVICE upon consultation with the attending physician, the
BENEFICIARY may count on up to US$ 100,000 for expenses incurred in the evacuation during the
course of an ELIGIBLE TRIP.
Does the Emergency Medical Evacuation need to be pre-approved?
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Yes, the evacuation must be approved and authorized by CUSTOMER SERVICE upon consultation
with the LICENSED PHYSICIAN in charge, who will certify that the ACCIDENT or MEDICAL
EMERGENCY requires the Emergency Medical Evacuation. The BENEFICIARY must obtain preapproval from our CUSTOMER SERVICE, who will then make arrangements for the Emergency
Medical Evacuation.
Under what conditions is the provision for Emergency Medical Evacuation granted?
The BENEFICIARYs medical condition must require immediate evacuation from the place of
ACCIDENT or MEDICAL EMERGENCY to the nearest hospital equipped to provide the medical
treatment he/she needs; and/or if after being treated at a local hospital, his/her medical condition
requires transport to the nearest qualified medical facility or to his/her COUNTRY OF RESIDENCE
for furtherhospitalization.
What type of transportation will be provided in the event of an Emergency Medical

Evacuation?
Any means of land, water or air transportation needed to transport the BENEFICIARY during an
Emergency Medical Evacuation will be provided. Special transportation includes, but is not limited to,
air ambulances, land ambulances and/or private cars.
Does the Repatriation of Mortal Remains require pre-approval?

Yes, first and foremost, our CUSTOMER SERVICE must be contacted, and provided that the claim is
approved, CUSTOMER SERVICE will make all of the arrangements for the Repatriation of Mortal
Remains.
Is pre-approval required in the case of an Early Return?

Yes. Before using the Early Return benefit, the BENEFICIARY must obtain pre-approval from our
CUSTOMER SERVICE, who will then make arrangements for his/her transport.
How can the CARDHOLDER obtain a certificate of benefits during an

ELIGIBLE TRIP to European countries that participate in the Schengen
Treaty?
The CARDHOLDER must call our CUSTOMER SERVICE to request a certificate. This certificate
will be sent by fax or email at no additional cost to the CARDHOLDER.
General Definitions
USUAL, REASONABLE AND CUSTOMARY CHARGES: means that the benefit to the
BENEFICIARY will include medical treatment, supplies and services that are medically
necessary, provided that they do not exceed the typical or standard charges for similar medical
treatment, supplies or services in the community or the locality where the medical treatment is
provided.
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CHRONIC ILLNESS: means any diagnosed illness or abnormal physiological condition

that exists over time and is unresolved or recurrent (or thought to be resolved or cured). Some
examples include, but are not limited to: cancers; fractured bones, whether repaired or not:
diabetes: hypertension: atherosclerosis, coronary artery disease; osteoporosis; chronic lung
disease; asthma; and chronic adhesions after abdominal infection or surgery,or any other
illness or condition that falls into the definition of chronic illness, determined by a physician.
COUNTRY OF RESIDENCE: means the country in which the BENEFICIARY keeps
his/her effective, fixed and permanent home and main place of residence and to which the
BENEFICIARY intends to return.
COUNTRY OF CARD ISSUANCE: means the country in Latin America or Caribbean
where a BENEFICIARY had his/her VISA card issued by a bank.
ELIGIBLE TRIP: an itinerary, outside of the BENEFICIARYs COUNTRY OF
RESIDENCE and COUNTRY OF CARD ISSUANCE, which satisfies any of the

following characteristics:
full amount of the tickets were paid to a TRANSPORATION COMPANY with
a valid Visa Infinite Card; or
the tickets were purchased by redeeming points from a loyalty program,
provided that the boarding fee and possible taxes due have been paid with a
Visa Infinite Card; or
if no boarding fee or taxes are levied, just the tickets purchased through
redemption of points obtained upon utilization of the Visa Infinite Card.
The benefits provided in this Section C are only valid for an Eligible Trip for
up to sixty (60) consecutive days of such Eligible Trip.
ACCIDENT: means a sudden, unexpected, uncontrollable and unexpected physical event that
happens to the BENEFICIARY due to external, violent and visible causes during an
ELIGIBLE TRIP.
SCHENGEN CERTIFICATE: means that when the BENEFICIARY travels to any
European Union country participating in the Schengen Treaty during an ELIGIBLE TRIP, the
maximum benefit for medical expenses will be automatically increased to up to 30.000 in
the event of a MEDICAL EMERGENCY occurring at said country.
MEDICAL EMERGENCY: a sudden, unforeseen and urgent medical condition that requires
immediate medical services or treatment or surgical treatment to relieve acute pain and
suffering.
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PRE-EXISTING CONDITION: means any condition that occurs within one hundred eighty
(180) days of the date on which the individuals benefit will become effective (inclusive) for
which the BENEFICIARY has sought or has been advised to seek treatment by a LICENSED
PHYSICIAN or for which there are symptoms that would lead a prudent person to seek
diagnosis, care or treatment.
LICENSED PHYSICIAN: means a professional with a degree in medicine or doctor of
osteopathy qualified to provide medical services or perform surgeries in accordance with the
laws of the country where these professional services are performed. THIS DEFINITION
EXCLUDES CHIROPRACTORS, PHYSICAL THERAPISTS, AND HOMEOPATHIC AND
NATUROPATHIC THERAPISTS.
REWARDS PROGRAM: means a program developed/offered by an International Visa Card
and its Issuing Bank allowing you to obtain value (mileage points, cash, etc.) and redeem
rewards (goods, trips, etc.) under your eligible Visa Rewards Program or any frequent
traveler's rewards program or additional tickets on which taxes and fees have been charged at
the time of issuance of a ticket paid with an International Visa Card .

CARDHOLDERs representative must contact our
CUSTOMER SERVICE immediately or within thirty
(30) daysof the date of the ACCIDENT or MEDICAL
EMERGENCY. Delayed communication may result
in the loss of benefit.
Timeframe for submitting documentation: No more than
ninety (90) days from the notification date.
The documents required for compensation of the medical
emergencies benefit are:
Copy of your Visa Infinite Card statement, copy of the
ticket for air, sea or land transportation related to the
JOURNEY and proof that it was entirely paid for with
the CARDHOLDERS Visa Infinite Card.
Copy of receipts provided by your medical service
provider.
Proof of travel dates
Copy of the documentation pertaining to any other valid and collectible insurance.
Copy of all medical reports, including the name and address of the medical facilities used and
the physicians who provided the services.
CLAIM FORM, duly completed.
In the case of Repatriation of Mortal Remains, a notarized copy of the death certificate and
itemized bills for the services contracted.
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Please submit all the above mentioned digitized documentation to the Customer Service Visa
Assistance Center at clienteassist@axa-assistance.us. Or, if you prefer, send the information via
courier to the address below:
AXA Assistance USA, Inc.
122 S. Michigan Avenue, Suite 1100
Chicago, IL 60603 USA
Account and Billing Information

Important: the CARDHOLDER must contact the financial institution that issued his/her card
directly for questions related to his/her account, such as account balance, line of credit, billing
information (including exchange rates used in the transactions), commercial disputes or information
on additional services not described in this guide. The telephone number for your financial institution
is available in your monthly bill.
Keep all the Program General Provisions in Mind
All assistance services described herein are subject to change or cancellation. Therefore, this
document may be altered from time to time and we ask you to consult it. This assistance is effective
the later of July 1, 2004, the date your bank elected this benefit, or the date of issuance of your card,
and will cease on the date your assistance services are terminated.
This description of the assistance is not a contract of insurance and is intended to be a general
informative statement of the assistance services made available by Visa Inc. throughout Latin America
and Caribbean Region. In some instances, according to the assistance contract, the laws in the
jurisdiction where your local Visa Card has been issued, the US Dollar benefit shown will be
converted to equivalent local currency and certain details of the benefit may differ from what is
outlined in this document.
Complete provisions pertaining to these services are contained in the assistance services contract on
file with Visa Inc., Latin America and Caribbean Region, Miami, Florida. If a statement in the
description of the assistance services and description of the assistance services contract differ, the
local requirements pertaining to assistance programs in the jurisdiction where your International Visa
Card has been issued will govern. The assistance services are administered by:
AXA Assistance USA, Inc.
If you need to submit a claim or have questions regarding this program, call the Visa Assistance
Center, 24 hours a day, 365 days a year.
PLEASE NOTE: the benefits described above do not apply to all International Visa Cards in Latin
America and Caribbean Region. Please check with your bank if the benefit applies to your
International Visa Card.
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C.2. Travel Assistance Services
Introduction
DEFINITIONS OF THE BENEFITS INCLUDED IN THIS GUIDE" AND ITEM "A.4.
Assistance prior to travel

Information on visas, entry permits, immunizations and documentation requirements;
Weather information;
Exchange rate information;
Maps;
Information on the destination countries and their major cities;
Information on culture and customs at the destinations;
ATMs locations.
Assistance during travel

Assistance with lost baggage;
Assistance with emergency ticket replacement;
Emergency message services;
Legal assistance; referrals to attorneys and bail
payment;
Assistance with the delivery of valuable
documents; and
Activation of Visas medical services.
Visa Infinite Cardholders: Worldwide
Visa Infinite
66
Cardholders card
Visa Infinite
Reach Area
Worldwide
C.3. Emergency Services

Introduction
Visa Infinite CARDHOLDERS are provided the following assistance, anywhere in the world,upon
request:
Emergency Card Replacement
This service enables the CARDHOLDER to receive a replacement card anywhere in the world
in the event of loss or theft of the original card.
Emergency Cash Advance
The CARDHOLDER can request an emergency cash advance on his/her account and receive
it anywhere in the world.
Cardholders card
Visa Infinite
Reach Area
Worldwide
Visa Infinite
67
C.4. Visa Concierge

Introduction
DEFINITIONS FOR THE BENEFITS DESCRIBEDIN THIS GUIDE" AND ITEM "A.4.
Visa Infinite CARDHOLDERS have at their disposal a service known as Visa Concierge, which has
been specially created to provide CARDHOLDERS with any kind of information and assistance they
may need.
The Concierge service is available 24 hours per day, 365 days per year, to help CARDHOLDERs in
emergency situations or simply to send gifts, purchase tickets and tours, rent vehicles, make
reservations for theatre plays or provide any other information or assistance that CARDHOLDERS
may need, both in Brazil and anywhere in the world.
Convenience
The Visa Concierge service saves time and makes the CARDHOLDERs life easier by offering free
benefits such as:
24 hours per day, 7 days per week assistance;
Recommendations that help the Cardholder choose the travel and entertainment options that
best match his/her style; and
All of the information and assistance that the CARDHOLDER may need, anywhere in the
world.
Travel information
Coordination of itineraries and tours;
Information on visas, passports, entry visas, immunizations and documentation requirements;
Weather information;
Exchange rate information;
Maps;
Visa Infinite
68
Information on the destination country and its major cities;

Information on the culture and customs of the destinations;
Travel assistance
Flight reservation and confirmation;
Hotel reservation;
Reservation and assistance for reserving rental vehicles, including luxury cars;
Assistance buying and sending gifts;
Emergency messages delivery; and
Translation services
Reservations
Information on schedules and tickets for the opera, ballet, theatre plays, concerts, museums
and other cultural events and activities;
Special event information and reservations;
Information on sporting events;
Restaurant information and reservations;
Nightlife information and reservations.
Entertainment information
Tours and visits to tourist attractions
Recommendations, hours and reservations for
tennis courts and tee times;
Recommendations and reservations at spas,
gyms, and sports clubs; and
Information on special sports facilities in the
area.
Purchases and gifts
Visa Infinite
69
Send flower arrangements, balloons, baskets and gift packages;

Gift suggestions and ideas;
Help locating hard to find articles*; and
Information on the best shopping locations in the area.
* Visa Concierge will strive to meet the requests of our CARDHOLDERS. Notwithstanding, we reserve the right
to deny services considered absurd or inappropriate or that violate moral, ethical or legal principles.
Cardholders card
Visa Concierge
Visa Infinite
Standard benefit
Visa Infinite
70

Visa Cartao Beneficios

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Visa Infinite

A.2. Visa Infinite

A.3. Definitions of the Benefits described in this Guide*

ECONOMIC DEPENDENTS: CARDHOLDERs single children and under 23 years old

AIR: aircraft operated by an AIRLINE COMPANY, duly authorized by the

TRANSFERS used immediately before boarding or after disembarking from an

TRANSFERS included in the COVERED TRIP.

COVERED TRIP: an itinerary, in any part of the world, including

THE BENEFITS LISTED IN THIS GUIDE DOES NOT APPLY TO:

The DEFINITION OF INSURED, COVERED TRIP AND INSURED JOURNEY DO NOT

THE COMPENSATION FOR MEDICAL EMERGENCIES AND TRAVEL ASSISTANCE

A.4. GENERAL PROVISIONS OF THE PROGRAM

CONVERTING AMOUNTS INTO FOREIGN CURRENCY

Section B. Insurance Offered

B.1. Travel Insurance - Accidental Death and Permanent

Parents, in equal shares or, if none;

THIS INSURANCE DOES NOT COVER LOSSES CAUSED BY:

The CARDHOLDER, the one designated by the CARDHOLDER or the

B.2. Personal Accident Insurance - Accidental Death and

What is the benefit?

Except for cases in which the INSURED is declared

Spouse or, if none;

What is not covered by the insurance?

INTENTIONALLY SELF-INFLICTED INJURIES;

BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN

General Provisions of the Program

The CARDHOLDER, the one designated by the CARDHOLDER or the

B.3. Car Rental Insurance

whichever amount is lower.

CONFISCATION BY THE AUTHORITIES;

FINES AND PENALTIES IMPOSED UPON THE CARDHOLDER OR AUTHORIZED

Where and when is coverage effective?

What type of insurance coverage is provided?

What vehicles are covered?

What should the CARDHOLDER do in the event

The CARDHOLDER, the one designated by the CARDHOLDER or the

How is the claim submitted?

What else should the CARDHOLDER do?

General Provisions of the Program

B.4. Baggage Delay Insurance

ANY ALLEGEDLY DELAYED OR LOST BAGGAGE MUST BE FORMALLY CLAIMED

IF THE TRANSPORTATION COMPANY THAT CAUSED THE DELAY IS ABLE TO

What should the INSURED do if the TRANSPORTATION COMPANY

How do I submit a claim?

The INSURED, the person designated by the -INSURED or the -INSUREDs

General Provisions of the Program

B.5. Baggage Loss Insurance

What is the maximum amount of reimbursement?

Will the coverage still apply if the TRANSPORTATION COMPANY pays

What if the INSURED has another valid insurance?

How is the amount of reimbursement determined?

for a pair or set:

What items are not covered?

What are the conditions excluded from the coverage?

What should the INSURED do if the TRANSPORTATION COMPANY

How do I submit a claim?

The INSURED, the person designated by the INSURED or the -INSUREDs

General Provisions of the Program

B.6. Trip Delay Insurance

What are the Covered Hazards?

What expenses resulting from a delay are covered?

What is not covered?

How do I submit a claim?