Choice Privileges® Select World Elite Mastercard® Credit Card Guide to Benefits (2024)

Mastercard Global Service™

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting and Emergency Card Replacement. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account. The Cardholder will be responsible for all costs and expenses related to the requested services. In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at www.mastercard.com or call the United States collect at 1-636-722-7111. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

Account Information and Card Benefits:

When in the United States, contact your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card issuer for account information or to access any of your card benefits.

ATM Locations:

Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard^®, Maestro^®, and Cirrus^® brands. Also, visit our website at www.mastercard.com to use our ATM locator. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

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Concierge Service

Choice Privileges Select World Elite Mastercard offers you the Mastercard Concierge Service. Imagine your own Personal Assistant 24 x 7 x 365, where knowledgeable experts can assist with whatever you need, whenever you need it. This takes "Concierge Service" to the next level with robust, personalized features that will save you time and simplify your day, such as:

• Personal Profile to track preferences for travel, hotels, dining, entertainment, special occasions – and even food allergies
• Local experts who can provide on-site assistance with everyday household needs – like being there when the new appliance is delivered, because you can’t be
• Access to unique dining and entertainment venues to turn a special occasion into a memorable experience
• Reminder service for those dates or events that you can’t afford to miss
• Pre-trip planning services, providing you with critical information in advance of your trip including: 10-day weather forecast, travel requirements, city-specific news and conditions, safety and security advisory, suggested packing lists, pre-arranged confirmations for dining and other services, top must-see attractions, fitness facilities, jogging paths and recreation within close proximity of your hotel, etc.

Let the Mastercard Concierge assist you today, so you can have your day back! Our experts look forward to assisting you at 1-877-354-8330.

Costs of any goods or services provided by the concierge will be billed to your Choice Privileges Select World Elite Mastercard.

This benefit may be subject to change without prior notice. Please visit www.mastercard.us/worldelite or call 1-800-Mastercard for the latest benefit information. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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Mastercard Travel and Lifestyle Services

As a Choice Privileges Select World Elite Mastercard cardholder, you have access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more*. Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard cardholder, you have access to a lifestyle manager that will help you plan your vacation – complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which deliver value and peace of mind. Costs of any goods or services provided by the Mastercard Travel & Lifestyle Services will be billed to your Choice Privileges Select World Elite Mastercard.
* Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.
** Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund you must submit a claim as described in the Terms & Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.
*** Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple – if you book your three star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Group plc, the designated travel agent for the Mastercard Travel & Lifestyle Services program at Toll free (US): +1 855 802 1387 during your stay and a Ten lifestyle manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations.
Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit http://travel.mastercard.com/product/terms for the latest benefit information and terms & conditions. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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Mastercard Airport Concierge™

Your passport to the finer side of air travel.

Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit www.mastercard.com/airportconcierge or consult your Travel Advisor. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
Costs of any goods or services provided by the Mastercard Airport Concierge will be billed to your Choice Privileges Select World Elite Mastercard.
This benefit may be subject to change without prior notice. Please visit www.mastercard.us/worldelite or call 1-800-Mastercard for the latest benefit information. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

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Mastercard Golf

Provides access to TPC Network Clubs, domestic and international golf travel packages, golf schools and much more. World and World Elite cardholders can secure tee times through the Hidden Network of private courses and enjoy Honorary Observer and Pro-Am positions at select PGA TOUR events. Mastercard Golf benefits are subject to terms and conditions and may change without prior notice. Costs of any goods or services provided by Mastercard Golf require billing to your Choice Privileges Select World Elite Mastercard. To participate in the latest experiences please visit priceless.com/golf. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy or security policy.

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Auto Rental Collision Damage Waiver

This coverage reimburses You if a covered accident or theft occurs to the Rental Car.

To be eligible for coverage, the following must occur:

• You must pay for all of the cost to rent the car with Your Covered Card.
• You must decline the rental company’s collision loss/damage insurance.

Definitions

• Account means a Wells Fargo Bank, N.A. credit card account.
• Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
• Rental Car means a motor vehicle with at least four wheels that is designed to be driven on public roads. Vans are not covered, except those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
• We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
• You or Your means the person whose name is embossed on the Covered Card.

WHO'S COVERED

You and any authorized driver, designated or listed on the rental car agreement, with a valid driver’s license.

WHAT'S COVERED

To take advantage of this benefit, the following conditions apply:

• The rental period is no more than fifteen (15) consecutive days within the United States, and thirty-one (31) consecutive days outside of the United States.
• The Rental Car is:
  • Damaged by an accident, a natural disaster or vandalism; or
  • Stolen.

You will be reimbursed up to the Maximum Coverage limit for the following in the event of a covered accident or theft:

• The cost to repair the Rental Car or the actual cash value of the Rental Car, whichever is less.
• Reasonable towing expenses to the nearest collision repair facility.
• The loss of use of the rental car.
• Any additional fees or taxes.

In the United States, the coverage provided by this benefit is secondary. This means that if You have another insurance policy that will cover the cost of damage or theft to Your rental car, this benefit will cover only the amount Your other policies do not. This benefit does cover deductibles You may have to pay under Your other insurance policies (or that Your employer may have to pay, if You rented the car for business reasons).

Outside the United States, where this benefit is available, the coverage provided is primary even if You have another insurance policy.

WHAT'S NOT COVERED

Coverage does not apply to any claim under the following conditions:

• The Rental Car is used in a way that goes against Your rental car agreement (such as but not limited to driving recklessly or under the influence of drugs or alcohol) or against clear instructions or warnings posted in the car.
• The Rental Car was used as a car for hire.
• The car is rented through a car sharing company that allows individuals to rent out their own car.
• You or an authorized driver does not take responsible care of the Rental Car.
• Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.
• Loss due to confiscation by authorities or hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities).

This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or third-party personal property. It does not cover any damages to other cars or property. It does not cover any injury to any party.

Coverage does not apply to the following charge(s) or expense(s):

• The diminished value to the Rental Car as a result of the incident.

Coverage does not apply to the following:

• Exotic vehicles, meaning vehicles such as but not limited to, Aston Martin, Bentley, Excalibur, Ferrari, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce.
• Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years).
• Vans are not covered, except those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.
• Vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.
• Vehicles that are rented with a driver.

HOW TO FILE A CLAIM

Please follow the steps below and pay close attention to the deadlines to make sure You remain eligible for coverage.

To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify us of the loss within sixty (60) days or as soon as reasonably possible after Your rental car is damaged or stolen.

You will be asked to provide the following documentation to substantiate the claim:

• A copy of the initial and final rental car agreement (front and back).
• A copy of the accident report form/statement.
• A copy of the repair estimate and itemized repair bill.
• Two (2) photographs of the damaged rental car, if available.
• A police report, if filed.
• A copy of the demand letter which indicates the costs You are responsible for and any amounts that have been paid toward the claim.
• A copy of Your monthly Account billing statement (showing the last 4 digits of the Account number) demonstrating that the entire rental transaction was made on Your Covered Card.
• A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if applicable), or other reimbursem*nt showing the costs for which You are responsible, and any amounts that have been paid toward the claim. Or, if You have no applicable insurance or reimbursem*nt, a signed
  statement, (or email from the email address associated with the claim), from You confirming no other insurance or reimbursem*nt will apply, is required.
• A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates, and deductibles).
• Any other documentation required to substantiate the claim.

The requested documents must be submitted within three hundred sixty-five (365) days of the incident or the claim may not be honored. We will notify You of Our decision once We have processed Your claim.

Your claim will be finalized within fifteen (15) business days after We have received all the documentation needed to substantiate Your claim.

Refer to Additional Terms for more information.

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Trip Cancellation and Interruption Protection

If a Trip is cancelled or interrupted for a covered reason (See What’s Covered), You may be reimbursed the cost of nonrefundable Common Carrier tickets.

To be eligible for coverage under this benefit, Your Covered Card must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons.

Definitions

• Accidental Bodily Injury means bodily injury, which is sudden, unforeseen, and unexpected; happens by chance; is independent of illness and disease and is the direct cause of a loss.
• Account means a Wells Fargo Bank, N.A. credit card account.
• Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
• Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
• Family Member means the Covered Traveler’s: 1) spouse or Domestic Partner; 2) children including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Family Member also means a spouse’s or Domestic Partner’s children, including adopted children or step children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.
• Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been purchased with the Covered Card.
• Trip Completion Date means the date on which the Covered Traveler(s) are scheduled to return to their point of origin or to a different final destination.
• Trip Departure Date means the date on which the Covered Traveler(s) are originally scheduled to leave on the Trip.
• We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
• You or Your means the person whose name is embossed on the Covered Card.

WHO'S COVERED

Covered Travelers means You, Your spouse or Domestic Partner and Your Dependent Children traveling on the Trip.

Dependent Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon You for maintenance and support, and who: 1) are under the age of nineteen (19), and reside with You; 2) are under the age of twenty-five (25) and classified as full-time students; or 3) have a permanent physical or intellectual disability and are incapable of self-support.

Domestic Partner means a committed relationship between two unmarried adults, in which the partners 1) are each other’s sole Domestic Partner; 2) maintain a common residence; 3) share financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status a joint lessee on a motor vehicle lease or a joint credit card account with a financial institution; 4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else; and 5) are not blood related.

Note: You are still eligible for coverage on Trips for Covered Traveler(s) even if You are not traveling with the Covered Traveler(s).

WHAT'S COVERED

Trip Cancellation and Interruption Protection applies for reasons listed below. It doesn’t provide coverage if the Covered Traveler simply chooses to change plans, is not feeling well but still able to travel, or the Covered Traveler can reach their destination but decides not to travel. Any event/incident that occurred prior to the Trip being booked is not covered. Please see "What’s Not Covered" for additional restrictions.

The Trip cancellation or interruption must be caused by or result from:

• The Covered Traveler(s) dies, or suffers an Accidental Bodily Injury, a disease or physical illness, and is advised by a licensed medical practitioner not to travel.
• The Covered Traveler’s Family Member dies, or suffers an Accidental Bodily Injury, a disease or physical illness that is either life threatening or requires care from the Covered Traveler(s) and is verified by a licensed medical practitioner.
• Default of the Common Carrier resulting from financial insolvency.

You will be reimbursed for the following eligible amounts resulting from the cancellation or interruption due to a covered reason:

• The value of the Covered Traveler’s unused Common Carrier tickets minus any refund or credit received.

Note: Common Carriers may issue a credit voucher for the value of the unused ticket. A fee may be associated with changing or cancelling the ticket. Reimbursem*nt of fee may be eligible at time of loss. Most Common Carrier credit vouchers expire in one year. Proof of unused credit voucher can be submitted for reimbursem*nt after expiration. Please retain all supporting documentation in case You decide to seek reimbursem*nt for any credit voucher that expires or is unused per the coverage provision.

The coverage provided by this benefit is secondary. This means if the Common Carrier or another source reimburses the Covered Traveler(s) for any expenses, this benefit will cover only amounts that have not been previously reimbursed.

WHAT'S NOT COVERED

Coverage does not apply to any claim under the following conditions:

• A Pre-existing Condition. Pre-existing Condition means Accidental Bodily Injury, disease, or illness which occurs or manifests itself during the sixty (60) day period immediately prior to the purchase date of a Common Carrier passenger fare(s). Disease or illness has manifested itself when either: 1) medical care or treatment has been given; or 2) there exists symptoms which would cause a reasonably prudent person to seek medical diagnosis, care or treatment. The taking of prescription drugs or medication for controlled (continued) condition throughout this sixty (60) day period will not be considered to be a manifestation of illness or disease.
• Accidental Bodily Injuries arising from participation in interscholastic or professional sports events, racing or speed contests, or uncertified scuba diving.
• Cosmetic surgery, unless such cosmetic surgery is rendered necessary as a result of a loss covered under this benefit.
• The Covered Traveler or a Family Member being under the influence of drugs (except those prescribed and used as directed by a licensed medical practitioner) or alcohol.
• The Covered Traveler or a Family Member: a) traveling against the advice of a licensed medical practitioner; or b) traveling while on a waiting list for specified medical treatment; or c) traveling for the purpose of obtaining medical treatment; or d) traveling in the third trimester (seventh month or after) of pregnancy.
• Suicide, attempted suicide, or intentionally self-inflicted injuries.
• Declared or undeclared war, but war does not include acts of terrorism.
• A Covered Traveler’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection or bodily malfunctions, except physical illness or disease which prevent the Covered Traveler from traveling on a Trip. This exclusion does not apply to a loss resulting from a Covered Traveler’s bacterial infection caused by an accident or from the accidental consumption of a substance contaminated by bacteria.
• The Covered Traveler(s) decides to cancel or interrupt their Trip for any reason not covered under "What’s Covered".
• Any event/incident that occurred prior to the Trip being booked.
• The Covered Traveler(s) elects to shorten their Trip prior to the Trip Completion Date due to sickness or injury and the return was not at the direction of a licensed medical practitioner.
• The Covered Traveler(s) incurs additional expenses (not listed above) by electing to change their trip destination or a connecting city used to reach their trip destination.

HOW TO FILE A CLAIM

Please follow the steps below and pay close attention to the deadlines to make sure You remain eligible for coverage.

To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify Us of the loss within twenty (20) days of cancellation or interruption or as soon as possible. To start a claim for an expired credit/voucher, please contact Us within sixty (60) days of the expiration date of the credit/voucher.

You will be asked to provide the following documentation to substantiate the claim:

• A copy of Your entire monthly billing statement (showing the last four (4) digits of the Account number) confirming the Common Carrier ticket was charged to Your Covered Card.
• A copy of the Covered Traveler’s travel itinerary showing the passenger names and Common Carrier ticket cost confirming the Common Carrier ticket was charged to Your Covered Card.
• If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
• Confirmation of the non-refundable amounts for the unused Common Carrier tickets, vouchers, coupons, and/or redeemable certificates.
• Confirmation that the tickets were cancelled with the Common Carrier.
• Confirmation of the reason for the Trip cancellation or interruption (completed licensed medical practitioner statement, confirmation of death or documentation confirming any other cause of loss).
• A copy of the cancellation or refund policies of the Common Carrier, tour operator or travel supplier.
• A copy of any settlement payment or reimbursem*nt/denial made to a Covered Traveler from other collectible insurance/reimbursem*nt showing any amounts they may have paid towards the costs claimed or that the claim was denied.
• If You have no other applicable insurance or reimbursem*nt, please provide a statement to that effect.
• Any other documentation required to substantiate the claim.

Return all requested documents within ninety (90) days of cancellation or interruption or as soon as reasonably possible. We will notify You of our decision once We’ve processed Your claim.

Refer to Additional Terms for more information.

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Lost Baggage Reimbursem*nt

If a Covered Traveler’s baggage is lost due to theft or misdirection by the Common Carrier while on a Trip, We may reimburse You for the missing items. The Covered Traveler must take all reasonable means to protect, save and/or recover the Checked Baggage, Carry-on Baggage and its contents at all times.

To be eligible for coverage under this benefit, the Covered Card must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons.

The coverage provided by this benefit is secondary. This means if the Common Carrier or another source reimburses the Covered Traveler(s) for any expenses, this benefit will cover only amounts that have not been previously reimbursed.

Definitions

• Account means a Wells Fargo Bank, N.A. credit card account.
• Carry-on Baggage means the baggage which the Covered Traveler personally carries onto the Common Carrier and for which the Covered Traveler retains responsibility.
• Checked Baggage means suitcases or personal belongings, for which a claim check has been issued to the Covered Traveler by a Common Carrier.
• Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
• Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
• Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been purchased with the Covered Card, and which is not less than five (5) consecutive days but does not exceed sixty (60) consecutive days in duration.
• We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
• You or Your means the person whose name is embossed on the Covered Card.

WHO'S COVERED

Covered Travelers means You, Your spouse or Domestic Partner and Your Dependent Children traveling on the Trip.

Dependent Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon You for maintenance and support, and who: 1) are under the age of nineteen (19), and reside with You; 2) are under the age of twenty-five (25) and classified as full-time students; or 3) have a permanent physical or intellectual disability and are incapable of self-support.

Domestic Partner means a committed relationship between two unmarried adults, in which the partners 1) are each other’s sole Domestic Partner; 2) maintain a common residence; 3) share financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status a joint lessee on a motor vehicle lease or a joint credit card account with a financial institution; 4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else; and 5) are not blood related.

Note: You are still eligible for coverage on Trips for Covered Traveler(s) even if You are not traveling with the Covered Traveler(s).

WHAT'S COVERED

Checked Baggage or Carry-on Baggage and its contents are covered unless included in the What’s Not Covered list below.

WHAT'S NOT COVERED

Coverage does not apply to the following items:

• Cars, car accessories and/or equipment, motorcycles, motors, boats, or other vehicles or modes of transportation.
• Bicycles (except when checked with the Common Carrier).
• Contact lenses, eyeglasses, sunglasses, hearing aids, artificial teeth, dental bridges, and prosthetic limbs.
• Cash, securities, credit or debit cards, and any other negotiable instrument (such as any form of checks, money orders and promissory notes).
• Tickets of any kind (e.g., for airlines, sporting events, concerts or lottery).
• Documents (travel or otherwise), keys, coins, deeds, bullion, and stamps.
• Art objects.
• Products that can spoil or be consumed and limited life items including but not limited to, cosmetics, perfume, rechargeable batteries, food, fuel, or medications.
• Rugs, carpets, and household furniture.
• Cameras and cellular telephones.
• Sporting equipment.
• Animals, including live or mounted animals or fish, and taxidermy.
• Property shipped as freight or shipped prior to the Trip departure date.
• Losses resulting from abuse, fraud, hostilities or any kind (including, but not limited to, war, invasion, rebellion, or insurrection).
• Losses arising from confiscation or expropriation by any government or public authority or detention by customs or other officials.
• Business items (items that are used in the purchase, sale, production, promotion, or distribution of goods or services including but not limited to, manuals, computers and their accessories, software, data, facsimile, samples, collateral materials, etc.).
• Items that are prohibited by transportation security, such as TSA.

HOW TO FILE A CLAIM

The Covered Traveler should notify the airline (or other Common Carrier) before leaving the airport or station if baggage and/or its contents are lost or stolen, and keep a copy of any report provided.

Please follow the steps below and pay close attention to the deadlines to make sure You remain eligible for coverage.

To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify Us of the loss within twenty (20) days of the Loss or as soon as possible.

You will be asked to provide the following documentation to substantiate the claim:

• A copy of Your entire monthly billing statement (showing the last four (4) digits of the Account number) confirming the Common Carrier ticket was charged to Your Covered Card.
• A copy of the Covered Traveler’s travel itinerary confirming the Common Carrier ticket was charged to Your Covered Card.
• If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
• A copy of any check, settlement, denial or explanation of coverage issued by the Common Carrier together with a copy of the Common Carrier’s completed claim form, a list of the items lost and their value, and a copy of the baggage claim check (if applicable).
• A copy of any settlement payment or reimbursem*nt/denial made to a Covered Traveler from other collectible insurance/reimbursem*nt showing any amounts they may have paid towards the costs claimed or that the claim was denied.
• A copy of the declarations page(s) of any other collectible insurance available to a Covered Traveler (Declarations page means the document(s) in the insurance policy that lists names, coverages, limits, effective dates and deductibles).
• If You have no other applicable insurance or reimbursem*nt, please provide a statement to that effect.
• Any other documentation required to substantiate the claim.

Return all requested documents within ninety (90) days of loss or as soon as reasonably possible. We will notify You of our decision once We’ve processed Your claim.

Refer to Additional Terms for more information.

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$1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance

If You suffer a covered Loss due to an Accident while on a trip, We may provide payment.

To be eligible for coverage under this benefit, the Covered Card must be used to purchase the entire cost of Your Common Carrier fare less redeemable certificates, vouchers, or coupons.

Definitions

• Accident or Accidental means a sudden, unforeseen, and unexpected event which: 1) happens by chance; 2) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; 3) is the direct cause of Loss.
• Account means a Wells Fargo Bank, N.A. credit card account.
• Common Carrier means a mode of transportation by land, water or air operated under a license for the transportation of passengers for hire, available on a regular schedule, and for which a ticket must be purchased prior to commencing travel. Common Carrier does not include taxis, rideshares (such as Uber or Lyft), limousine services, or commuter rail or commuter bus lines.
• Covered Card means a credit card issued by Wells Fargo Bank, N.A. that provides the benefits described in this Guide.
• Domestic Partner means a committed relationship between two unmarried adults, in which the partners 1) are each other’s sole Domestic Partner; 2) maintain a common residence; 3) share financial obligations if both are employed, such as a joint mortgage or lease, joint bank account, joint title to or ownership of a motor vehicle or status a joint lessee on a motor vehicle lease or a joint credit card account with a financial institution; 4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else; and 5) are not blood related.
• Family Member means Your: 1) spouse or Domestic Partner; 2) children including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Family Member also means a spouse’s or Domestic Partner’s children, including adopted children or step children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.
• Loss means Accidental: Loss of Foot, Loss of Hand, Loss of Hearing, Loss of Life, Loss of Sight, Loss of Sight of One Eye, Loss of Speech, Loss of Thumb and Index Finger. Loss must occur within one (1) year after the Accident.
• Loss of Foot means the complete severance of a foot through or above the ankle joint. We will consider such severance a loss of foot even if the foot is later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional benefit amount for such amputation.
• Loss of Hand means complete severance, as determined by a Physician, of at least four (4) fingers at or above the metacarpal phalangeal joint on the same hand or at least three (3) fingers and the thumb on the same hand. We will consider such severance a loss of hand even if the hand, fingers or thumb are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional benefit amount for such amputation.
• Loss of Hearing means permanent, irrecoverable and total deafness, as determined by a Physician, with an auditory thresholdof more than 90 decibels in each ear. The deafness cannot be corrected by any aid or device, as determined by a Physician.
• Loss of Life means death, including clinical death, as determined by the local governing medical authority where such death occurs within one (1) year after an Accident.
• Loss of Sight means permanent loss of vision. Remaining vision must be no better than 20/200 using a corrective aid or device, as determined by a Physician.
• Loss of Sight of One Eye means permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 using a corrective aid or device, as determined by a Physician.
• Loss of Speech means the permanent, irrecoverable and total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician.
• Loss of Thumb and Index Finger means complete severance, through the metacarpal phalangeal joints, of the thumb and index finger of the same hand, as determined by a Physician. We will consider such severance a loss of thumb and index finger even if a thumb, an index finger or both are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional benefit amount for such amputation.
• Physician means a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include You or a Family Member.
• Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers, or coupons, has been purchased with the Covered Card.
• Trip Completion Date means the date on which You are scheduled to return to their point of origin or to a different final destination.
• Trip Departure Date means the date on which You are originally scheduled to leave on the Trip.
• We, Us or Our means the insurance company or administrator that provides these benefits for the Covered Card.
• You or Your means the person whose name is embossed on the Covered Card.

WHAT'S COVERED

To receive payment under this benefit, the covered Loss must be caused by an Accident that occurs while on a Trip as defined under How Long are You Covered.

Loss must occur within one (1) year after the Accident.

If You suffer multiple Losses as the result of one Accident, then We will only pay the single largest benefit amount applicable to all such Losses.

WHAT'S NOT COVERED

Coverage does not apply to any claim under the following conditions:

• Riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.);
• Death or injury from emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.);
• Being intoxicated or being under the influence of any narcotic unless taken as prescribed by a Physician;
• Participating in parachute jumping from an aircraft;
• Traveling or flying on any aircraft engaged in flight on a rocket propelled or rocket launched aircraft.
• Suicide, attempted suicide or intentionally self-inflicted injury;
• A declared or undeclared War. War means 1) hostilities following a formal declaration of war by a governmental authority; 2) in the absence of a formal declaration of war by a governmental authority armed, open and continuous hostilities between two countries; or 3) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the geographic area of hostility.

HOW TO FILE A CLAIM

Please follow the steps below and pay close attention to the deadlines to make sure You remain eligible for coverage.

To file a claim, call 1-800-316-8051 or visit https://mycardbenefits.assurant.com. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. You must notify Us of the loss within twenty (20) days of the Loss or as soon as possible.

You will be asked to provide the following documentation to substantiate the claim:

• A copy of Your entire monthly billing statement (showing the last four (4) digits of the Account number) confirming the Common Carrier ticket was charged to Your Covered Card.
• A copy of Your travel itinerary confirming the Common Carrier ticket was charged to Your Covered Card.
• If more than one method of payment was used, please provide documentation as to additional vouchers, coupons, or redeemable certificates utilized.
• Police report or accident report (if applicable).
• Supporting medical documentation.
• In the event of Loss of Life, a death certificate and validation of executor of estate.
• Any other documentation required to substantiate the claim.

The requested documents must be submitted within ninety (90) days of the Loss or the claim may not be honored. We will notify You of our decision once We’ve processed Your claim.

In the case of Loss of Life, benefits will be paid to Your estate.

Refer to Additional Terms for more information.

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Up to $100 Global Entry or TSA PreCheck® Application Fee Statement Credit

What is this benefit?

Global Entry and TSA PreCheck are U.S. government programs. Please note that TSA PreCheck approval does not include Global Entry membership. TSA PreCheck eligibility is on a flight-by-flight basis with no guarantee.

You can find complete details on the Global Entry or TSA PreCheck programs, including full terms and conditions, online at globalentry.gov. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

Who controls this program?

The U.S. federal government controls Global Entry and TSA PreCheck programs through U.S. Customs and Border Protection (CBP) (for Global Entry) and Department of Homeland Security (DHS) through the U.S. Transportation Security Administration (TSA) for TSA PreCheck. Mastercard and Wells Fargo Bank, National Association have no control over the program, including but not limited to:

• Application, approval process, or enrollment.
• Fees charged by CBP for Global Entry and TSA for TSA PreCheck.
• Responsibility to the Global Entry or TSA PreCheck program.

Who is eligible?

Valid Cardholders of an eligible Choice Privileges Select World Elite Mastercard can apply. Your account can receive up to $100 statement credit, whichever purchase posts first to your account will receive the statement credit. The fee charged to your account must be a minimum of $68 and a maximum of $100. If the purchase amount exceeds $100 the cardholder is responsible for the amount over the $100 maximum reimbursem*nt.

To be eligible, You must apply for TSA PreCheck or Global Entry and pay the application fee or renewal fee with a valid Choice Privileges Select World Elite Mastercard. You pay the application fee even if CBP/TSA denies Your application. If approved, Your membership is valid for five years without additional charges and subject to the program’s terms and conditions.

How do I use this benefit?

Cardholders with approved Global Entry must add Your Global Entry membership number (PASS ID) in:

• Your participating airline’s frequent flyer profile or
• The "Known Traveler Number" field in Your flight reservation details.

Cardholders with approved TSA PreCheck must add their Known Traveler Number to Your participating airline’s frequent flyer profile or in the "Known Traveler Number" field in Your reservation details. You do not need any additional fees or applications to use Your benefit.

How do I receive the benefit?

You can receive the benefit as statement credit for whichever purchase posts first to your account:

You can receive this benefit once every four years. You cannot use this statement credit with any other program applications. The statement credit only applies to TSA Precheck and Global Entry Trusted Traveler programs.

When Credit Processes

We process Your statement credit once the Global Entry or TSA PreCheck program application fee charges to Your eligible card. The credit will post to Your account within 6-8 weeks.

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These Additional Terms pertain to the Cellular Telephone Protection; Auto Rental Collision Damage Waiver; Trip Cancellation and Interruption Protection; Lost Baggage Reimbursem*nt; and $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance only.

Additional Terms

This Guide is not, by itself, a policy or contract of insurance or other contract.

Benefits are purchased and provided complimentary to You by Wells Fargo Bank, N.A.

Cellular Telephone Protection; Auto Rental Collision Damage Waiver; Trip Cancellation and Interruption Protection; Lost Baggage Reimbursem*nt; and $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance coverage ("Description of Coverage" or "DOC") is provided under a Group Policy of insurance issued by Virginia Surety Company, Inc. ("VSC"). The DOCs in this Guide are intended as a summary of benefits provided to You. The DOCs and all the information about these benefits listed in these Additional Terms is governed by the conditions, limitations, and exclusions of the Group Policy. Benefits not listed above and described in this Guide may be provided by a third party provider.

Privacy Notice:

As the provider of benefits, Virginia Surety Company, Inc. collects personal information about You from the following sources: information the provider gathers from You, from Your request for benefits or other forms You furnish to the provider, such as Your name, address, telephone number, and information about Your transactions with the provider such as claims made and benefits paid. The provider may disclose all information it collects, as described above, to its affiliates, subsidiaries and partners, as well as to non-affiliated third parties that perform administrative or other services on our behalf solely in connection with the benefits You have received. By providing this information to the provider, You agree that the provider may use Your information in accordance with this Privacy Notice, such as to provide benefits entitled to You, and to meet regulatory and contractual requirements relating to the benefits provided to You. The provider uses commercially reasonable physical, electronic, and procedural safeguards that comply with federal regulations to maintain the confidentiality of Your personal information. The provider takes appropriate technical and organizational measures to protect Your personal information from accidental or unlawful destruction, accidental loss, and unauthorized alteration, disclosure, or access. The provider does not disclose any personal information about former beneficiaries to anyone, except as required by law. The provider restricts access to personal information about You to those authorized individuals or third parties who reasonably need to know that information in order to provide benefits to You.

Effective date of benefits:

Effective 02/01/2023, this Guide replaces all prior disclosures, program descriptions, advertising, and brochures by any party. We reserve the right to change the benefits and features of these programs at anytime.

Cancellation:

These benefits can be cancelled at any time or non-renewed for You. In the event a benefit is cancelled or non-renewed, You may be notified as required by law. Coverage will still apply for the benefit prior to the date of such cancellation or non-renewal, subject to the terms and conditions of coverage. The provider of these benefits shall not be required to give notice if substantially similar coverage has been obtained from another provider without a lapse of coverage.

Benefits to You: These benefits apply to cards issued in the United States by Wells Fargo Bank, N.A. No person or entity other than You 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, benefits will still apply 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 hereunder these benefits may be assigned without the prior written consent of the claim administrator for these benefits.

Illegal Activity, Misrepresentation and Fraud: Benefits shall not be provided if You or any covered person has been involved in any illegal activity or concealed or misrepresented any material facts concerning these benefits. If providing benefits would violate United States economic or trade sanctions, the coverage will not be provided.

Dispute Resolution-Arbitration (not applicable to NY Residents):
READ THE FOLLOWING ARBITRATION PROVISION (THIS "ARBITRATION PROVISION") CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO OBTAIN REDRESS THROUGH COURTS.

Any and all claims, disputes, or controversies of any nature whatsoever (whether in contract, tort or otherwise), including statutory, common law, fraud (whether by misrepresentation or by omission) or other intentional tort, property, or equitable claims) arising out of, relating to, or in connection with (1) this DOC, or (2) the validity, scope, interpretation, or enforceability of this Arbitration Provision or of the entire DOC ("Claim"), shall be resolved by binding arbitration before a single arbitrator. Unless You and VSC mutually agree on an alternative, the arbitration will take place in the county and state where You live. All arbitrations shall be administered by the American Arbitration Association ("AAA") in accordance with its Expedited Procedures of the Commercial Arbitration Rules of the AAA in effect at the time the Claim is filed. The terms of this Arbitration Provision shall control any inconsistency between the AAA’s Rules and this Arbitration Provision. You may obtain a copy of the AAA’s Rules by calling (800) 778-7879. Upon written request VSC will advance to You either all or part of the fees of the AAA and of the arbitrator after You have been unsuccessful in obtaining a waiver of fees and costs from the AAA. The arbitrator will decide whether You or VSC will be responsible for these fees. The arbitrator shall apply relevant substantive federal and state law and applicable statutes of limitations and shall provide written, reasoned findings of fact and conclusions of law. This Arbitration Provision is part of a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, except that in no event shall this Arbitration Provision be amended or construed to permit arbitration on behalf of a group or class. For the purpose of this Arbitration Provision, "VSC" shall be deemed to include Virginia Surety Company, Inc. and all of its affiliates, successors and assigns, their respective principals, partners, officers and directors and all of the dealers, licensees, agents, and employees of any of the foregoing entities. This Arbitration Provision shall inure to the benefit of and be binding on You and each of the aforementioned persons and entities. This Arbitration Provision shall continue in full force and effect subsequent to and notwithstanding the expiration or termination of the Group Policy.

No Class Actions/No Joinder of Parties: You agree that any arbitration proceeding will only consider Your Claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering Your Claims. You also agree that You will not join with others to bring Claims in the same arbitration proceeding.

YOU AND VSC UNDERSTAND AND AGREE THAT BECAUSE OF THIS ARBITRATION PROVISION NEITHER YOU NOR VSC WILL HAVE THE RIGHT TO GO TO COURT EXCEPT AS PROVIDED ABOVE OR TO HAVE A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss or damage to the property covered 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 circ*mstances in order to guard and protect the item.

Subrogation: If payment is made under this benefit, the provider is entitled to recover such amounts from other parties or persons. Any party who receives payment under this benefit must transfer to the provider 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.

Salvage: If an item is not repairable, the administrator may request You send the item to the administrator for salvage at Your expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.

Secondary Insurance: Coverage is secondary to any other applicable insurance or indemnity available to You unless indicated within the Guide. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this Guide. In no event will 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.

Conformity of Statute: If benefit coverage does not conform to applicable provisions of State or Federal law, the benefit coverage is hereby amended.

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

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