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Enhanced Travel Benefits Terms and Conditions

Trip Cancellation Insurance

EscapeSM by Discover® Card Cardholders may be reimbursed up to $2,500 if you cancel a trip before the departure date or if you are interrupted during a trip. Keep this evidence of coverage for your records.

Trip Cancellation and Trip Interruption
Evidence of Coverage
Virginia Surety Company, Inc.
175 West Jackson Blvd., Chicago, IL 60604

Escape by Discover Card cardholder can benefit from the security and safety offered through this Trip Cancellation and Trip Interruption coverage insurance program.

DEFINITIONS

Throughout this document, "You", "Your", refer to the Escape by Discover Card cardholder. "We", "Us", and "Our" refer to Virginia Surety Company, Inc. In addition, when in bold certain words and phrases are defined as follows:

Administrator means TWG Innovative Solutions, Inc. You may contact them if you have questions regarding this coverage or would like to make a claim. They can be reached by phone at 1-800-DISCOVER (1-800-347-2683) or mail at 13922 Denver West Parkway, Golden, CO 80401.

Charge means any non-refundable cancellation or change fee imposed by the Common Carrier.

Common Carrier means any air, bus or rail transportation conveyance operated under a license for the transportation of passengers for hire.

Covered Reason means Sickness, Injury, or death of You, a Family Member or Your Traveling Companion, which results in Medically Imposed Restrictions.

Destination means the place where You expect to travel on Your Trip as indicated on Your Common Carrier ticket.

Evidence of Coverage (EOC) means this document. It describes the terms, conditions, and exclusions (benefits We do not cover) that apply to each of the Escape by Discover Card benefits. The EOC is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this document are not a part of Your Escape by Discover Card benefits.

Economy Fare means the lowest published rate for the most direct one-way ticket on the Common Carrier used for Your Trip.

Injury means bodily injury caused by an accident that occurs while You are covered under this program, and results directly and independently of all other causes of loss. The Injury must be verified by a Physician.

Medically Imposed Restrictions means a restriction certified by Your Physician prohibiting You from traveling on a Common Carrier.

Physician means a licensed medical, surgical, or dental practitioner acting within the scope of his or her license. The treating Physician may not be You, a Family Member, or a Traveling Companion, or related to You by blood.

Pre-Existing Medical Condition means any condition resulting from any Injury or Sickness affecting You, a Traveling Companion, traveling with You within the sixty (60) day period prior to the purchase date of Your Trip. The condition must have (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care, or treatment; (b) required taking prescribed drugs or medicine; or (c) required medical treatment or treatment was recommended by a Physician. Taking maintenance medications for a condition that is considered stable shall not be included as a Pre-Existing Medical Condition.

Sickness means an illness or disease that is diagnosed or treated by a Physician.

Return Destination means the place to which You expect to return from Your Trip as indicated on Your Common Carrier ticket.

Traveling Companion means up to four (4) individual(s) with whom You have arranged to travel on the same Trip with the same itinerary and for which the cost of Trip was charged with your covered card.

Trip means a scheduled period of round trip travel away from Your primary residence using a Common Carrier.

Trip Completion Date means the date on which You are scheduled to return to the Return Destination.

Trip Departure Date means the date on which You are originally scheduled to leave on Your Trip.

TO GET COVERAGE

You must purchase the Trip entirely with Your Escape by Discover Card for You and Your Traveling Companions. If redeemable certificates, vouchers, coupons, or discounts awarded from frequent flier programs are used to purchase the Trip, any remaining charge for the Trip must be purchased entirely with Your Escape by Discover Card.

COVERAGE

Trip Cancellation
We reimburse You for any incurred Charge if You are required to cancel a Trip, prior to the Trip Departure Date, due to a Covered Reason. You must cancel Your Trip with Your Common Carrier as soon as the Covered Reason arises. You must also advise the Administrator immediately, as We will not pay benefits for any additional charges incurred that would not been charged had You notified the Common Carrier and the claim Administrator as soon as reasonably possible.

Term of Coverage:
Coverage begins on the date the Trip was purchased and ends on the Trip Departure Date.

Limitations:
Coverage is limited to the lesser of the following:

  • $2,500 per any 12 month period; or
  • The original cost of the Common Carrier ticket for the Trip.

Coverage is secondary to any other applicable insurance or benefit available to you including benefits provided by the Common Carrier (including, but not limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers).

Trip Interruption
If Your Trip is interrupted for a Covered Reason, We will reimburse You for the travel on a Common Carrier to Your Return Destination or to rejoin Your Travel Companions at their current location.

Term of Coverage:
Coverage begins on the Trip Departure Date and ends on the Trip Completion Date.

Limitations:
Coverage is limited the lesser of the following:

  • $2,500 per any 12 month period; or
  • The lesser of: (i) any Charge; (ii) one-half () the original cost of the Trip; or (iii) The cost of an Economy Fair ticket.

Coverage is secondary to any other applicable insurance or benefit available to you including benefits provided by the Common Carrier (Including, but not limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers).

WHAT IS NOT COVERED

  • Pre-Existing Medical Conditions;
  • Intentionally self-inflicted injuries, including suicide or attempted suicide;
  • War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) civil war;
  • Participation in any military maneuver or training exercise;
  • Piloting or learning to pilot or acting as a member of the crew of any aircraft;
  • Mental or emotional disorders, unless hospitalized;
  • Participation in professional athletics or underwater activities;
  • Being under the influence of drugs or intoxicants;
  • Commission of or the attempt to commit a criminal act;
  • Participating in bodily contact sports (ex. boxing); skydiving; hang gliding; parachuting; Mountaineering; any race; bungee cord jumping; or speed contest;
  • Dental treatment except as a result of accidental Injury to sound, natural teeth;
  • Any non-emergency treatment or surgery, routine physical examinations;
  • Hearing aids, eye glasses or contact lenses;
  • Pregnancy and childbirth (except for complications of pregnancy);
  • Pregnancy and childbirth (except for complications of pregnancy);
  • Curtailment or delayed return for other than a Covered Reason; and
  • One-way travel that does not have a Return Destination.

HOW TO FILE A CLAIM

To file a claim, You must contact the Administrator by phone within thirty (30) days of the date of the cancelled or interrupted Trip. Otherwise, the claim may be denied.

A claim form will be sent to You. The fully completed claim form must be returned to the Administrator at 13922 Denver West Parkway, Golden, CO 80401 with:

  1. 1. Escape by Discover Card billing statement showing the charge for the covered Trip.
  2. 2. Proof of a Covered Reason including the completed physician’s form.
  3. 3. Copy of the cancellation policy of the Common Carrier.
  4. 4. Any other documents that the Administrator may reasonably request.

All these required items, including the claim form, must be postmarked within ninety (90) days of the date of the cancelled or interrupted Trip. Otherwise, the claim may be denied.

GENERAL PROVISIONS

Please refer to the Final Legal Disclosure section.

TCI-CC-EOC (6-07)

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Travel Delay Insurance

Escape by Discover Card Cardholders will be reimbursed up to $150 a day, for up to three consecutive days, for expenses (food and lodging) if a scheduled trip on a common carrier is delayed over six hours. Keep this evidence of coverage for your records.

Trip Delay
Evidence of Coverage

Virginia Surety Company, Inc.
175 West Jackson Blvd., Chicago, IL 60604

Coverage under this EOC is provided under a Group Policy issued by Virginia Surety Company, Inc to Specialty Products Trust . This EOC is governed by the conditions, limitations, and exclusions of the Group Policy.

DEFINITIONS

Throughout this document, You and Your refers to the Cardholder or Authorized User. We, Us, and Our refers to Virginia Surety Company, Inc. In addition, when in bold certain words and phrases are defined as follows:

Administrator means TWG Innovative Solutions, Inc. You may contact the Administrator if you have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-800-DISCOVER (1-800-347-2683) or by mail at 13922 Denver West Parkway, Golden, CO 80401.

Authorized User means an individual who is authorized to make purchases on the Covered Card by the Cardholder and is recorded by an issuer of Discover Network on its records as being an authorized user.

Cardholder means the person who has been issued an account by an issuer of Discover Network for the Covered Card.

Common Carrier means any regularly scheduled air, land, or water motorized transportation carrier operating under a regularly published schedule and current license as required by law for the conveyance of passengers when the appropriate fare or charge is paid.

Covered Card means the Escape by Discover Card.

Delay means: a) Inclement Weather; b) Equipment failure of a Common Carrier (documented by the Common Carrier); or c) Loss or stolen passport or travel documents. Delays due to: War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) civil war are not covered.

Destination means the place where You expect to travel on Your Trip as indicated on Your Common Carrier ticket.

Evidence of Coverage (EOC) means this document. It describes the terms, conditions, and exclusions. The EOC is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this EOC are not a part of Your coverage.

Economy Fare means the lowest published rate for the most direct one-way ticket on the Common Carrier used for Your Trip.

Inclement Weather means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.

Primary Residence means the home that You live in at least nine (9) months out of the year.

Return Destination means the place to which You expect to return from Your Trip as indicated on Your Common Carrier ticket.

Travel Expenses means the actual charge for any overnight hotel stay and meal costs. If Your passport or travel documents are lost or stolen, then Travel Expenses will also include an Economy Ticket to Your Return Destination.

Trip means a scheduled period of travel with a Destination and Return Destination away from Your Primary Residence using a Common Carrier.

TO GET COVERAGE

You must purchase the Trip entirely with Your Covered Card for You. If redeemable certificates, vouchers, coupons, or discounts awarded from frequent flier programs are used to purchase the Trip, any remaining charge for the Trip must be purchased entirely with Your Covered Card.

COVERAGE

If You are Delayed more than six (6) hours while traveling to Your Destination or Return Destination, We reimburse You for Travel Expenses as a result of the Delay. There is no coverage, if the Common Carrier cancels within six (6) hours of Your scheduled departure time on the Common Carrier for which You have purchased a ticket for Your Trip.

LIMITATIONS

Coverage is limited to the lesser of the following:

  • $150 per day for up to three (3) consecutive days per Trip Delay claim.

Coverage is limited to two (2) claims per twelve (12) month period.

Coverage is secondary to any other applicable insurance or benefit available to you including benefits provided by the Common Carrier (including, but not limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers).

HOW TO FILE A CLAIM

You must contact the Administrator by phone within thirty (30) days of the date Your Trip was delayed. Otherwise, the claim may be denied.

A claim form will be sent to You. The fully completed claim form must be returned to the Administrator at 13922 Denver West Parkway, Golden, CO 80401 with:

  1. 1. Escape by Discover Card billing statement showing the charge for the covered Trip.
  2. 2. Proof of the delay from the Common Carrier.
  3. 3. Receipts for Travel Expenses.
  4. 4. Any other documents that the Administrator may reasonably request.

All these required items, including the claim form, must be postmarked within ninety (90) days of the date Your Trip was delayed. Otherwise, the claim may be denied.

GENERAL PROVISIONS

Please refer to the Final Legal Disclosure section.

TD-CC-EOC (1.08)

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Primary Car Rental Insurance

If you rent a vehicle for 31 consecutive days or less with your Escape by Discover Card (as defined below), you may be eligible for benefits under this coverage. Keep this evidence of coverage for your records.

Primary Collision Damage Waiver

Escape by Discover Card Cardholders can benefit from the security and safety offered through Primary Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less with your Escape by Discover Card, you may be eligible for benefits under this coverage. Primary Collision Damage Waiver is an insurance program.

KEY TERMS

  • You, Your or Yours means a holder of the EscapeSM by Discover Card®,

TO GET COVERAGE

  • Initiate and pay for the entire rental agreement/contract (tax, gasoline, and airport fees are not considered rental charges) with your Escape by Discover Card.
  • You must decline the Collision/Damage Waiver offered by the vehicle rental agency.
  • You must rent the vehicle in your own name and sign the vehicle rental agreement/contract.
  • Your rental agreement/contract must be for a rental period of 31 consecutive days or less. Rental periods that exceed or are intended to exceed 31 consecutive days are not covered.
  • You must rent a vehicle (including minivans and sport utility vehicles that are designed to accommodate nine passengers or fewer) that is intended for bound surfaces, such as concrete and tarmac. Rented vehicles must have a manufacturer’s suggested retail price that does not exceed $50,000 USD.

THE KIND OF COVERAGE YOU RECEIVE

  • Primary Collision Damage Waiver will pay for covered damages on a primary basis for which you or any other authorized driver is legally responsible to the rental agency.
  • Covered damages include:
    • Physical damage and theft of the vehicle, not to exceed the limits outlined below.
    • Reasonable towing charges to the nearest factory authorized collision repair facility.
  • If you or an authorized driver’s primary vehicle insurance or other coverage has made payments for a covered loss, Primary Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance.
  • This coverage is not all-inclusive, which means it does not cover such things as personal injury or personal liability. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party.

WHO IS COVERED

  • The Escape by Discover Card Cardholders and those designated in the vehicle rental agreement/contract as authorized drivers.

EXCLUDED RENTAL VEHICLES

  • All trucks, pickups, full-size vans mounted on truck chassis, campers, off-road vehicles, and other recreational vehicles.
  • All sport utility trucks. These are vehicles that have been or can be converted to an open, flat bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).
  • Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.
  • Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
  • Any rental vehicle that has a manufacturer’s suggested retail price that exceeds $50,000 USD.

WHERE YOU ARE COVERED

In general coverage applies worldwide, but there are exceptions:

  • Coverage is not available for vehicles rented in the following countries Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.
  • Coverage is not available where prohibited by law.

COVERAGE LIMITATIONS

  • Primary Collision Damage Waiver will pay the lesser of the actual repair amount, current market value (less salvage), or $50,000 USD per incident for which the Escape by Discover Card Cardholder or any other authorized driver is legally responsible to the rental agency.
  • Primary Collision Damage Waiver will not pay for or duplicate the Collision/Damage Waiver coverage offered by the rental agency.

WHAT IS NOT COVERED

  • Any personal item stolen from the interior or exterior of rental vehicles.
  • Vehicle not rented by the Escape by Discover Card Cardholder or authorized user on Escape by Discover Card account.
  • Any person not designated in the rental agreement/contract as an authorized driver.
  • Any obligations you assume other than that which is covered under Primary Collision Damage Waiver coverage.
  • Any violation of the written terms and conditions of the rental agreement/contract.
  • Any loss that occurs while driving under the influence of drugs or alcohol; racing; reckless driving.
  • Losses involving the theft of the rental vehicle when the renter or authorized driver cannot produce the keys to the rental vehicle at the time of reporting the incident to police and/or rental agency, as a result of negligence.
  • Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
  • Subsequent damages resulting from a failure to protect the rental vehicle from further damage.
  • Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of a vehicle collision causing tire or rim damage.
  • Rental vehicles where Collision/Damage Waiver coverage was accepted/purchased by you or given to you by the rental agency.
  • Any damage that is of an intentional or non-accidental nature, caused by the renter or authorized driver(s) of the rental vehicle. Except for residents of the state of New York, this exclusion is modified by the following limitation. This exclusion does not apply if: 1) an individual or joint cardholder is liable for damages to the rental vehicle under the rental agreement/contract or liable for the charges from damages to the rental vehicle under the credit card agreement; 2) the individual or joint cardholder is a victim of domestic violence and did not cooperate in or contribute to the damage; 3) the damage arises out of a pattern of criminal domestic violence; and 4) the perpetrator of the damage is criminally prosecuted for the act or acts causing the damage for which a claim is being made under this coverage. For New York state residents, this modification does not apply and is not in effect.
  • Depreciation, diminishment of value, administrative, or other fees charged by the vehicle rental agency.
  • Vehicles with a rental agreement/contract that exceeds or is intended to exceed a rental period of 31 consecutive days from a rental agency.
  • Losses resulting from any kind of illegal activity.
  • Damage sustained on any surface, other than a bound surface such as concrete or tarmac.
  • Losses as a result of war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public authority, or customs official; risks of contraband; illegal activity or acts.
  • Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or livery conveyance.
  • Indirect or direct damages resulting from a covered claim.
  • Theft of, or damage to, unlocked or unsecured vehicles.
  • Value-added tax, or similar tax, unless reimbursement of such tax is required by law.
  • Vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

HOW TO FILE A CLAIM

How to file a claim under Primary Collision Damage Waiver coverage:

  • Call TWG Innovative Solutions, Inc. at 1-800-DISCOVER (347-2683) to request a claim form. You must report the claim within 30 days of the loss or the claim may not be honored.
    You may choose to assign your benefits under this insurance program to the rental agency from which you rented your vehicle. Please contact TWG Innovative Solutions, Inc. at 1-800-DISCOVER (1-800-347-2683) for further details.
  • Submit the following documentation within 180 days of the incident or the claim will not be honored:
    • Completed and signed claim form.
    • Escape by Discover Card receipt showing the rental.
    • Escape by Discover Card statement showing the rental.
    • The rental agreement (front and back).
    • Copy of valid driver’s license (front and back).
    • Report from police or other agency verifying that vehicle was stolen, vandalized, or involved in a collision.
    • Itemized repair estimate from a factory authorized collision repair facility.
    • Any other documentation that may be reasonably requested to validate a claim.

Reminder: Please refer to the Final Legal Disclosure section.

MR-CORP-CDW (5.07)

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Lost or Damaged Luggage Insurance

Escape by Discover Card Cardholders will be reimbursed up to $2,500 if your checked luggage is lost or damaged while traveling on a common carrier. Keep this evidence of coverage for your records.

LOST OR DAMAGED LUGGAGE COVERAGE

Escape by Discover Card cardholders can benefit from the security and safety offered through Lost or Damaged Luggage Coverage. If your checked luggage is lost or damaged while traveling on a common carrier, you may be eligible for benefits under this coverage. Lost or Damaged Luggage Coverage is an insurance program.

KEY TERMS

  • You, Your or Yours Escape by Discover Card cardholder.
  • Lost means luggage (including personal property contained within) that is missing for 10 consecutive days and whose whereabouts are unknown to you or the common carrier.
  • Damage means luggage (including personal property contained within) that can no longer perform the function it was intended to do in normal service due to broken parts, material or structural failures.
  • Checked luggage means suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to you by a common carrier.
  • Common Carrier means any air, land or water transportation conveyance operated under a license for the transportation of passengers for hire

TO GET COVERAGE

  • You must pay the entire cost of the common carrier ticket(s) with your Escape by Discover Card.

THE KIND OF COVERAGE YOU RECEIVE

  • Reimbursement for the actual cost of repairing or replacing your checked luggage and personal property contained therein that is lost or damaged.
  • Coverage begins when the luggage is checked in to the common carrier by you. This includes curbside check in with facility-designated personnel.
  • Coverage ends each time you regain possession of the checked luggage from the common carrier or twenty-four (24) hours after you depart from the common carrier, whichever comes first.
  • Coverage is secondary to any other applicable insurance or coverage available to you including benefits provided by the common carrier (including, but not limited to, goodwill payments, refunds, credit/vouchers). Coverage is limited to only those amounts not covered by any other insurance or coverage, or common carrier benefits (including, but not limited to, goodwill payments, refunds, credit/vouchers).

COVERAGE LIMITATIONS

  • Coverage is limited to the actual cost, up to $2,500 per incident of repairing or replacing your checked luggage and any personal property contained within. There is a maximum of 2 claim(s) per twelve (12) month period.

WHERE YOU ARE COVERED

  • Coverage is available in the United States of America.

WHAT IS NOT COVERED

  • Loss or damage of luggage or personal property for regularly scheduled short-distance travel under one hundred (100) miles.
  • Loss or damage resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.
  • Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation, expropriation or detention by any government, public authority, or customs official; illegal activity or acts.
  • Loss resulting from contamination by radioactive or hazardous substances, including mold.
  • Sporting equipment or musical instruments, unless checked in as luggage with the common carrier and for which a claim check has been issued.
  • Electronic equipment (including, but not limited to, laptops, PDAs, video/film cameras, or hearing aids).
  • Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs, household furniture, or documents (including, but not limited to, visas and IDs).
  • Plants, shrubs, animals, consumables, and perishables.
  • Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare, or precious metals, stamps, and coins, currency or its equivalent.
  • Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.
  • Property shipped prior to your trip departure.
  • Defective material or workmanship, ordinary wear and tear or normal deterioration.
  • Loss or damage where you have not complied with the common carrier claim reporting procedures.
  • Loss or damage not reported within the time period required, as stipulated in the claim procedure.
  • Loss or damage where the common carrier completely denies a claim for checked luggage.
  • Items excluded under the common carrier’s coverage.
  • Loss or damage where the common carrier pays the claim in full or repairs the damage.

HOW TO FILE A CLAIM

How to file a claim under common carrier Lost or Damaged Luggage coverage:

  • Call TWG Innovative Solutions, Inc. at 1-800-DISCOVER (1-800-347-2683) to request a claim form. You must report the claim within 30 days of the incident or the claim may not be honored.
  • Report within twenty-four (24) hours any loss or damage to the common carrier.
  • Submit the following documentation within 90 days of the date of incident or the claim may not be honored:
    • Completed and signed claim form.
    • Escape by Discover Card.receipt showing purchase of common carrier tickets.
    • Escape by Discover Card statement showing purchase of common carrier tickets.
    • Copy of initial claim report submitted to the common carrier.
    • Report from police, if applicable.
    • The result of any settlement by the common carrier.
    • Receipts showing that luggage or personal property has actually been repaired or replaced.
    • Any other documentation that may be reasonably requested to validate a claim.

Reminder: Please refer to the Final Legal Disclosure section.

LDL-1 (12-04)

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Final Legal Disclosure

This Benefit Guide is not a policy or contract of insurance or other contract.

Benefits are purchased by Discover Card and provided free to you, but non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility).

Trip Cancellation and Trip Interruption, Trip Delay, Primary Collision Damage Waiver, and Lost or Damaged Luggage coverage are provided under a master policy of insurance issued by Virginia Surety Company, Inc. This Benefit Guide is intended as a summary of benefits provided to you. All information about the insurance benefits listed in this Benefit Guide is governed by the conditions, limitations, and exclusions of the master policy.

As the insurer of the Escape by Discover Card coverage described herein, Virginia Surety Company, Inc. ("VSC") collects personal information about you from the following sources:
Information the insurer gathers from you, from your request for insurance coverage or other forms you furnish to the insurer, such as your name, address, telephone number, and information about your transactions with the insurer such as claims made and benefits paid. The insurer may disclose all information it collects, as described above, to companies that perform administrative or other services on our behalf solely in connection with the insurance coverage you have received. The insurer does not disclose any personal information about former insureds to anyone, except as required by law. The insurer restricts access to personal information about you to those employees who need to know that information in order to provide coverage to you. The insurer maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information. Should you have any questions about the insurance procedures or the information contained within your file, please contact the insurer by writing to:

Virginia Surety Company, Inc.
175 West Jackson Blvd., Chicago, IL 60604

Effective date of benefits:
Effective November 15, 2008, this Benefit Guide replaces all prior disclosures, program descriptions, advertising, and brochures by any party. Escape by Discover Card and the insurer reserve the right to change the benefits and features of these programs at anytime.

Cancellation:
Escape by Discover Card can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If Escape by Discover Card does cancel these benefits, you will be notified at least sixty (60) days in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to Escape by Discover Card, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to Escape by Discover Card cardholders whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the Escape by Discover Card cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage.

Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the Escape by Discover Card cardholder has concealed or misrepresented any material facts concerning this coverage.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property insured under these programs. "Due diligence" means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.

Salvage: If an item is not repairable, the claim administrator may request that the cardholder or gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.

In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.

Benefits listed in this Benefit Guide are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Benefit Guide does not guarantee coverage or coverage availability.

FLD-2 (3-05)

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