Insurance coverage
- What is covered under the new American Express travel card?
- Who is covered under this insurance?
Travel Accident Coverage
- What is Travel Accident Coverage (TAI)?
- Is there a charge for TAI?
- Who receives the benefits in the event of a covered accident?
- Who may designate a beneficiary?
- How do I change my beneficiary designation?
- Are chartered air flights covered under my TAI?
- I have a central billing account for airline charges and would like to purchase a ticket for a contract employee. Would they be covered for the $500,000 TAI coverage?
- What if I take a business trip, extend my trip for a few days vacation and return home. If an accident happened on my trip home, am I covered?
Hotel/Motel Burglary Insurance
- What is Hotel/Motel Burglary Insurance?
- How do you define burglary?
- If $100.00 is stolen from my hotel room, am I covered?
- What is the maximum amount covered under this insurance?
- Will I be covered if my daughter’s sweater was stolen from my hotel room?
Unexpected Return Home
- What is Unexpected Return Home Coverage?
- What defines an “immediate family member”?
- Who should I call to make my travel reservation to return home?
Lost or Stolen Baggage Insurance
- How is the lost or stolen baggage insurance activated?
- What type of things am I covered for?
- Is cash covered?
- Are there any limitations or deductibles?
- What is “Checked-In” vs “Carry-On” luggage?
- What does “Supplementary Coverage” mean?
- If my baggage is lost or stolen, will I receive a cash replacement?
Flight Delay Insurance
- What happens if I am at the airport and my flight is delayed?
- Are there any other benefits to this insurance that I should be aware of?
- What do I do if my luggage is lost and does not arrive in time for me to get ready for a meeting?
- I am at the airport and my connecting flight is overbooked. The airline offered a bus ticket for this evening to get to my destination, or I can wait until tomorrow to get another flight. Will the Flight Delay insurance cover my expenses if I spend the night in a hotel?
Car Rental Accident
- What is Car Rental Accident coverage?
- Do I have to pay extra for this coverage?
- Are there restrictions on when I am covered?
- What kind of losses are covered?
- Who receives the benefits for a covered loss?
Car Rental Theft and Damage Insurance
- What is Car Rental Theft and Damage Insurance?
- How much does this insurance cost?
- How can I get this insurance?
- What is covered under the policy?
- Is injury or damage to other vehicles or property covered?
- Who may drive the rental vehicle?
- Is there an age limitation on drivers?
- How long may I rent a car (or cars) for and be covered?
- Will I be covered if I drop off one vehicle in Montreal, fly to Vancouver and pick up a second vehicle the same day?
- Is Loss of Use or Towing charges covered?
- Is the Car Rental Theft and Damage coverage worldwide?
- Do you contact my personal insurance company if I have an accident?
- What should I do if I have an accident or loss?
- What documents do you need to process the claim?
- Are there any other benefits to this insurance I should be aware of?
- Who is covered under this insurance?
|
|
Travel Accident Insurance |
$500,000 |
Lost or
stolen luggage limit |
$2,000 |
Flight
and baggage delay insurance |
$500 |
Hotel/motel burglary insurance |
$500 |
Missed
connection insurance |
$500 |
Car rental accidental death and dismemberment limits: Card member / Passengers |
$500,000 |
Personal
Effects Insurance |
$2,000
per rental period |
Entertainment Allowance with Flight Delay Benefit |
$100 |
Unexpected Return Home |
$2,000
per trip |
Who is covered under this insurance?
Employees of the Government of Canada, their accompanying spouses and dependants (provided they have been authorized to travel by the Government of Canada) and any other person who travels on authorized Government of Canada business are covered when a Government Travel Card or Account is used as described in the Certificates of Insurance. All of these individuals are considered insured persons for Travel Accident Insurance and Car Rental Accidental Death and Dismemberment Insurance. For all other insurance coverages:
- Individuals will be considered insured persons if they are employees of the Government of Canada who are either a Canadian citizen, a Permanent Resident of Canada or whose place of employment is in Canada ("Canadian Employees") or they are a spouse or dependent child of a Canadian Employee authorized to travel by the Government of Canada; and
- For all other persons traveling on authorized Government of Canada business, all coverages are provided, however, the Government of Canada is the insured person.
What is Travel Accident Coverage (TAI)?
As an American Express Designated Travel Cardmember, you are eligible for up to $500,000 in accidental death and dismemberment insurance whenever you fully charge your common carrier transportation cost your
American Express Designated Travel Card or American Express Designated Responsibility Centre Travel Card while travelling on a bonafide business trip. It covers you against accidental death and certain accidental bodily injury anywhere in the world provided that you have charged the initial trip transportation cost of a common carrier on your
American Express Designated Travel Card. Coverage commences when you leave your residence or your regular place of employment, whichever occurs last and remains in effect until you return to your residence or regular place of employment., whichever occurs first. Coverage is only in effect for 30 days. If your trip extends beyond 30 days, coverage is suspended until you begin your return trip.
Is there a charge for TAI?
When you charge the common carrier fare to your American Express Designated
Travel Card or American Express Designated Responsibility Centre Travel Card you are automatically covered at no additional cost.
Who receives the benefits in the event of a covered accident?
You, the Covered Person, if living receive the benefits. For the loss of life benefit, if no beneficiary has been designated, or if the beneficiary does not survive the Covered Person, the benefits will be paid to the surviving person or equally to the surviving persons in the first of the following classes of beneficiaries in which there is a living member:
The Covered Person’s
- spouse:
- his or her children, including legally adopted children;
- his or her estate
Who may designate a beneficiary?
The Cardmember may designate or change his/her beneficiary.
How do I change my beneficiary designation?
To change your beneficiary designation, call American Express at 1-800-514-2915 for a Beneficiary Designation form.
Are chartered air flights covered under my TAI?
While chartered flights can be covered as “Common Carrier” in the policy there are two exclusions that limit the types of chartered flights covered. There would be no coverage when a covered person flies on a non-scheduled licensed common carrier hired by a single organization. A chartered flight will only be covered as long as it is a regularly scheduled flight, the provider is licensed to carry passengers, and the aircraft is not owned, leased or hired by a single organization or sponsoring organization.
I have a central billing account for airline charges and would like to purchase a ticket for a contract employee. Would they be covered for the $500,000 TAI coverage?
Contract employees and volunteers (for example, Red Cross or United Way) are considered employees or authorized travellers and as such they are covered under the Policy.
What if I take a business trip, extend my trip for a few days vacation and return home. If an accident happened on my trip home, am I covered?
Only the business related portion of the trip is covered. Coverage is not extended to any personal side trips before, during, or after the business trip.
For more information on Travel Accident Insurance call American Express at 1-800-514-2915.
What is Hotel/Motel Burglary Insurance?
As an American Express Designated Travel Cardmember you will be eligible for a maximum benefit of up to $500.00 per occurrence for the replacement of your personal items, provided the loss is due to burglary. The room must have been fully paid for in advance with your
American Express Designated Travel Card.
How do you define burglary?
Burglary is defined as the unlawful removal of property from your hotel/motel room involving visible forcible entry.
If $100.00 is stolen from my hotel room, am I covered?
No. Under this benefit you can be reimbursed for the loss of personal items upon receipt of due proof of loss. This does not include cash.
What is the maximum amount covered under this insurance?
The maximum benefit payable under this coverage is $500.00 per occurrence, provided the loss is due to burglary.
Will I be covered if my daughter’s sweater was stolen from my hotel room?
Your spouse or any dependant children under the age of 21 in your care, are considered insured.
What is Unexpected Return Home Coverage?
In the event of the death of an Immediate Family Member while on a business trip that was fully charged to your Government Travel Card or your Designated Responsibility Centre Travel Card, we will reimburse you for the lesser of additional charges to change your ticket or to purchase a one-way economy fare by a common carrier to return home up to a maximum of $2,000 per individual insured or authorized traveller.
What defines an “immediate family member”?
Immediate family member means your spouse, child including adopted children, parent including step-parents, legal guardian, parent-in-law, brother or sister including stepbrothers or stepsisters, grandparents, grandchildren, daughter-in-law, son-in-law, brother-in-law or sister-in-law. Spouse means either:
- the individual to whom an you are legally married; or
- a person who cohabits on a continuous basis with you, in a relationship of a conjugal nature, which has been publicly recognized as such for at least one year.
Who should I call to make my travel reservation to return home?
Please contact your American Express Travel office to book your trip home. You can reach the travel office at 1-800-514-3798
How is the lost or stolen baggage insurance activated?
Coverage is automatically provided when you fully charge a trip (an airline ticket or an airline ticket and accommodation) in advance to your
American Express Designated Travel Card or American Express Designated Responsibility Centre Travel Card.
What type of things am I covered for?
Lost or stolen baggage insurance covers the baggage itself (yours or borrowed baggage) and your personal effects in that baggage. Personal effects are items used for your adornment or personal use while on the trip, such as clothes, make-up, toiletries, music CD’s, novels, etc.. Examples of items not considered for your adornment or personal use would be business documents, office equipment and materials (business use), household furnishings or glassware, or objects of art, (see policy exclusions).
Is cash covered?
No. Cash, bullion, negotiable property and tickets are not covered.
Are there any limitations or deductibles?
There is no deductible, however, there are specific limitations. The maximum amount payable is up to $2,000 per trip for all covered people combined. Of this, the maximum amount for jewellery is limited to $300 per occurrence and no more than $250 per occurrence will apply to golf clubs, including golf bags. The following items are not covered: contact lenses, eyeglasses, artificial teeth and limbs, cameras and camera equipment, sports equipment, all sums of money and currency, tickets and documents, statuary, paintings, china or glass objects, objects of art or antiques, household effects and items pertaining to business.
What is “Checked-In” vs “Carry-On” luggage?
Your luggage checked-in coverage starts when it has been taken out of your hands by an airline representative and ends when that luggage has been unloaded and placed in the airport terminal’s baggage pick-up area for retrieval. Carry-on luggage coverage starts when you board the aircraft with luggage you are carrying (carry-on) and ends when you disembark the aircraft.
What does “Supplementary Coverage” mean?
This insurance coverage is supplementary and in excess of any other applicable valid and collectible insurance or indemnity available to the Insured or authorized traveller. This includes your home insurance as well as any other baggage insurance you may have purchased. In many instances your home policy will cover for loss or damage to baggage, except there will be a deductible applied. The insurer pays only for the excess of the amount of loss that is over any amount covered by all other insurance and for the amount of any applicable deductible.
If my baggage is lost or stolen, will I receive a cash replacement?
We will pay for the actual replacement cost of the property, provided the item can be replaced and the item is replaced. If it is not replaced, we will pay the actual cash value of the item at the time of loss. Alternatively, we may, at our option, repair the property, if it can be repaired to its condition prior to the damage. In no event, however, shall we pay more than $2,000 Canadian in total per occurrence.
What happens if I am at the airport and my flight is delayed?
As a Government of Canada employee, you are entitled to the Flight Delay coverage, provided you fully paid for or charged your airline ticket to the
American Express Designated Travel Card or American Express Designated Responsibility Centre Travel Card. If no alternative means of transportation has been provided to you within four hours of your originally scheduled flight, you are covered for your necessary expenses while you await your departure. This means that if you need to get a hotel room or have dinner, you will be able to claim those reasonable expenses up to $500.00.
Are there any other benefits to this insurance that I should be aware of?
You also have access to a newly developed insurance coverage added specifically for Government of Canada employees. An Entertainment Allowance is provided as a supplement to the Flight Delay Insurance. This entitles you to $100 in entertainment expenses for a delay in excess of four hours.
What do I do if my luggage is lost and does not arrive in time for me to get ready for a meeting?
As long as you have fully charged your airline ticket to your American
Express Designated Travel Card or your American Express Designated Responsibility Centre Travel Card you are covered for emergency purchases you need to make, on a daily basis, until your baggage is delivered, provided that your baggage is delayed for at least six hours from your time of arrival and the expenses do not exceed $500.00
I am at the airport and my connecting flight is overbooked. The airline offered a bus ticket for this evening to get to my destination, or I can wait until tomorrow to get another flight. Will the Flight Delay insurance cover my expenses if I spend the night in a hotel?
If alternate forms of transportation are made available to you, you will not be covered for your expenses.
What is Car Rental Accident coverage?
When you fully charge a car rental to your American Express Designated Travel
Card, you and your fellow authorized travellers will be covered for up to $500,000 each in car rental accidental death and dismemberment coverage, to an overall maximum of $1,000,000 per occurrence.
Do I have to pay extra for this coverage?
When you charge and fully pay for a rental auto from a commercial rental agency using your
American Express Designated Travel Card, you are automatically covered at no additional cost.
Are there restrictions on when I am covered?
Yes the policy includes several conditions and exclusions which you should examine closely. To be eligible for this coverage the car rental period may not exceed 48 days (if you rent a vehicle for longer than 48 consecutive days, there will be no coverage including the first 48 days). While this coverage is available for many cars, coverage is not provided for certain vehicle rentals, such as exotic and antique cars. This insurance does not cover losses caused, or contributed to, by:
- Driving while intoxicated or under the influence of any narcotic or drug, unless prescribed by a physician
- Violating the terms of the Rental Agreement
- Intentional self-inflicted injury or suicide or attempted suicide while sane or insane
- Illness, disease, normal pregnancy or resulting childbirth or miscarriage or bacterial infection
- An act of war whether declared or not
- Directly or indirectly, the actual, alleged, threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination
What kind of losses are covered?
The list of covered losses is extensive and includes loss of life, loss of or loss of use of an arm, leg, hand, foot, sight, speech, hearing and paralysis. The injury which results in the loss must occur while riding in, driving, boarding or alighting from the Rental Auto. The amount of payment is related to the degree of loss, and the loss must occur within 365 days of the date of the accident. For full details, please review the Certificate of Insurance carefully.
Who receives the benefits for a covered loss?
The benefits are payable to you, the insured, if living, otherwise to your estate.
What is Car Rental Theft and Damage Insurance?
When you fully charge a car rental to your American Express Designated Travel Card, you will be automatically covered for theft or damage on many rental cars up to the full value of the rental car (where permitted by law). To take advantage of this protection, you must decline the Loss Damage Waiver (LDW) (or similar option offered to you by the car rental company) and charge the rental to your
American Express Designated Travel Card. There is no additional charge for this coverage and you save the daily LDW fee (usually $16-$24 per day) charged by the car rental company.
How much does this insurance cost?
The Car Rental Theft and Damage Insurance is free of charge and is included as a benefit with your
American Express Designated Travel Card. It is designed to save the Government of Canada the cost of Loss Damage Waiver Insurance on short term car rentals.
How can I get this insurance?
The insurance is activated whenever you rent and fully pay for a standard rental vehicle using your
American Express Designated Travel Card and decline the Loss Damage Waiver (or similar insurance) offered by the rental agency.
What is covered under the policy?
The insurance covers damage to or theft of the rental vehicle for which you are liable including collision, fire, vandalism, and tire and glass damage, provided you comply with the terms and conditions of the policy.
Is injury or damage to other vehicles or property covered?
Damage to other vehicles or property and injury is not covered. If you hit another vehicle or object, the insurer would only pay for the damage to your rental vehicle and no other damages. Please discuss Liability and Bodily Injury coverage needs with the rental agency or your personal insurer.
Who may drive the rental vehicle?
Provided the car rental was fully paid for using your American Express
Designated Travel Card and you decline the LDW (or other similar insurance) offered by the rental agency, then you, the Cardmember, or any fellow Government of Canada employee or anyone else you permit to drive, may drive the vehicle. However, all drivers must otherwise qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental car under the laws of the jurisdiction in which the rental car shall be used.
Is there an age limitation on drivers?
There is no age limitation on drivers. However, all drivers must qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental car under the laws of the jurisdiction in which the rental car shall be used.
How long may I rent a car (or cars) for and be covered?
You can rent a car for forty-eight (48) consecutive days and be covered. The insurance covers you if your rental contract or rental contracts (back to back rentals), do not exceed 48 consecutive days in total. If you need rental cars for a longer period of time than 48 consecutive days, you will need to purchase all your coverage from the rental agency. This policy will not cover these extended rentals.
Will I be covered if I drop off one vehicle in Montreal, fly to Vancouver and pick up a second vehicle the same day?
Yes, you will be covered. The two rentals would not be considered consecutive since they are in substantially different locations.
Is Loss of Use or Towing charges covered?
Loss of use or towing charges are covered, but there are restrictions. Have the rental agency contact American Express at 1-800-514-2915.
Is the Car Rental Theft and Damage coverage worldwide?
The coverage is worldwide where allowed by law. Certain laws prevent our coverage from applying in various places, and these places change all the time. Please contact your rental agency or travel agent to determine if this coverage will be accepted.
Do you contact my personal insurance company if I have an accident?
Your personal insurer will not be contacted.
What should I do if I have an accident or loss?
Contact the police and report the incident. If they will not come to the scene or take a report, record the officer’s name, phone number and badge number. Report the incident to American Express at
1-800-514-2915.
What documents do you need to process the claim?
When an accident does occur, the following documents will be required or your claim may be delayed:
- Your closed out rental agreement, showing the details of your rental (where, when, vehicle, etc.)
- Proof the rental was fully paid with your American Express
Designated Travel Card (The charge slip or your monthly billing statement is acceptable).
- A copy of the police report, if possible. Sometimes it may not be ready or the police may not release it to you. In these instances, obtain the badge number, name and the phone number of the police officer who filed the report.
Are there any other benefits to this insurance I should be aware of?
When you fully charge a car rental to your American Express Designated Travel
Card, you are automatically covered for burglary of any personal effects (excluding cash and certain other items) that were in the rented vehicle. You are covered for the actual cash value of any items that are lost or damaged due to burglary, theft or robbery against the rental vehicle.
Who is covered under this insurance?
A covered person is defined as you, the authorized traveller and cardholder, or your spouse or dependant children whom are travelling with you with permission of the Government of Canada.
|