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The purpose of the MasterTravel™ programme is to provide cardholders insurance coverage against accidental death and dismemberment (includes loss of sight/hearing) when traveling by land, air or sea on a licensed common carrier. Cardholders must purchase tickets using their Butterfield / AAdvantage® MasterCard® cards. The program is insured by AIG and managed by Marsh, Inc.
Coverage
Coverage is provided when an Insured Person suffers a bodily injury (an "injury") as a result of an accident occurring during a trip (domestic or international) taken by the Insured Person between the point of departure and the destination, provided the person is riding as a passenger on a licensed common carrier and the full fare has been paid with his or her Butterfield / AAdvantage® MasterCard® card.
The coverage applies only when the Insured Person is riding as a passenger in or on, boarding or alighting from any air, land or water vehicle or conveyance that is licensed by an appropriate authority for transportation of passengers for hire.
Insured Persons
Coverage is provided to the cardholder, spouse and unmarried dependent children under age 23, including stepchildren or legally adopted children (terms and conditions apply).
The spouse and dependent children do not need to be traveling with the cardholder to be considered Insured Persons.
The plan will pay benefits for any loss that occurs within 365 days after the date of the covered accident as follows:
Schedule of benefits
Accidental death:
Loss of both hands or both feet
Loss of one hand and one foot
Loss of Either Hand or Foot and Sight of One Eye
Loss of Hearing in Both Ears
Loss of Sight of Both Eyes
Loss of Speech
Loss of one hand or one foot
Loss of the entire sight of one eye
Loss of Thumb and Index Finger of Same Hand
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$75,000 USD
$75,000 USD
$75,000 USD
$75,000 USD
$75,000 USD
$75,000 USD
$75,000 USD
$37,500 USD
$37,500 USD
$37,500 USD
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"Loss", as used in the previous chart with reference to hand or foot, means dismemberment consisting of complete permanent severance through or above the wrist or ankle joint, and as used with reference to eye, hearing or speech means irrecoverable loss of the entire sight of such eye, both ears or speech. If more than one loss results from any one Accident, only one amount, the largest, will be paid.
Exposure and Disappearance
If by reason of an accident covered by the policy, an Insured Person suffers a loss resulting from being unavoidably exposed to the elements due to an Accident will be payable as if resulting from an Injury. The loss must occur within 365 days from the date of the Accident which caused Injury.
If the body of the Insured Person has not been found within one year after the date of disappearance as a result of forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was a passenger at the time of the accident, it will be presumed that the person suffered the loss of life resulting from bodily injury caused solely by the accident.
Exclusions
This policy does not cover any loss caused or contributed to by:
- Suicide, attempted suicide or intentionally self-inflicted Injury while sane or insane; or
- loss caused directly or indirectly, wholly or partly by:
- infections (except pyogenic infections which shall occur through an accidental cut or wound) or any other kind of Disease;
- medical or surgical treatment except as may be necessary solely as a result of Injury;
- any bodily Injury which shall result in hernia.
- participation in any professional, semi-professional or interscholastic team sports or any bodily contact sport; or
- being under the influence of drugs, alcohol or other intoxicants unless prescribed by a Physician and taken as prescribed; or
- participation in an actual or attempted felony; or
- participation in contests of speed using a motorized vehicle or bicycle; or
- participation in skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing, pot-holing or while riding on a motorcycle; or
- war, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power; or
- service in the military, naval or air service of any country; or
- operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or
- the use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or
- the dispersal, release or application of pathogenic or poisonous biological or chemical materials.
Beneficiary
In the case of death, benefits are payable to the beneficiary designated by the Insured; if there has been no such designation, then to the Insured’s first surviving beneficiary as follows:
- Spouse; or
- Children, in equal shares; or
- Parents, in equal shares; or
- Brothers and sisters, in equal shares; or
- The estate.
Payment of any insurance benefits shall be subject to the laws and governmental regulations then in effect in the country of payment.
Effective Date of Coverage
Coverage for each cardholder becomes effective on the effective date of the programme or the date when the person is issued his or her Butterfield / AAdvantage® MasterCard® card, whichever is later. Coverage for dependents becomes effective on the effective date of the program, the date the person becomes an eligible dependent, or the date of issue of the Butterfield / AAdvantage® MasterCard® card, whichever is latest.
Termination Date
The insurance for any Insured Person shall immediately terminate:
- As of the date this policy terminates;
- The date a person ceases to be an Insured Person;
Notice of Proof of Claim
Written notice of a claim must be given to the insurer within 90 days after the occurrence or commencement of any loss covered by the policy or as soon as reasonably possible.
Benefits will be payable upon receipt of written proof of loss and evidence that the cardholder's Butterfield / AAdvantage® MasterCard® account has been charged.
MasterCard Global Services
Toll free number in Bermuda 1(800) 307 7309.
Toll free number in the United States 1 (800) 622 7747.
Outside the United States, call collect at (636) 722 7111.
Related information
MasterCard Global Services
Cardholder Agreement
Balance Protection
To apply for a Butterfield / AAdvantage® MasterCard® complete the online application, visit your local branch or call the Call Centre at 299 3800.
Branch locations
Credit card application
Certain restrictions apply. Fees and rates are subject to change without notice.
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