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EFTA01661103 | EFTA01661135 DUPLICATE COPY Prepvcd Po: JEFFREY E EPSTEIN Accourt Mutat 3727-686332-61005 dosing Ode 03/09/06 Page 25 of 28 Key Terms to Know • Benefits will not be paid if, on the date of occurrence of Loss or damage or on the date of claim filing, any amount of your American Express Card or another eligible Account used to charge the Common Carrier ticket(s) for the Covered Trip is (a) unpaid for two billing periods or; (b) your American Express Card or another eligible Account is cancelled.' • For checked baggage, this is EXCESS coverage. The Plan only supplements a Common Carrier's liability for checked baggage up to the baggage's full value (defined as total original cost) or $500, whichever is lower. (For example, if your Loss of checked baggage on a Covered Trip is $2,000 and the Common Carrier reimburses you only $1,000, the Plan will reimburse you for up to $500.) • Claims for checked baggage can be processed and paid only after the Common Carrier responsible for the Loss or damage has settled and paid for the claim against it. If the Common Carrier completely denies your claim, there will be no reimbursement for Loss or damage under this Plan unless the sole reason for denial is the specific exclusion of a particular item(s) (e.g., camera) under the Common Carriers contract of carriage. • For carry-on baggage (baggage not checked with a Common Carrier), claims will be payable on the basis of the actual cash value (actual cash value is defined as the replacement cost at the time of Loss or damage, less depreciation). AMEX Assurance Company may, at its option, elect to repair or replace the covered baggage with property of like kind and quality, subject to settlement based on actual cash value. Items With Special Limitations Coverage for high-risk items is limited to a combined maximum of $250 for each Eligible Person for each Covered Trip. These high-risk items include, but are not limited to, jewelry, sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. More of What's Not Covered Business contents or effects; umbrellas; hats; coats; cash or its equivalent; credit cards; securities; tickets and documents; contact lenses; artificial teeth and limbs; plants and animals; household effects (items used or displayed In a household, not of a personal nature, such as silverware, art objects, bedding and linens); automobiles; motorcycles; boats or other conveyances. However, bicycles checked as baggage and coats packed in checked or carry-on baggage are covered according to the checked and carry-on baggage coverages described above. There is no coverage for Loss or damage: caused by war, civil war or radioactive contamination; contributed to or caused by voluntary consent; or contributed to or caused by confiscation or requisition by Customs or other governmental authority. Who Is Covered You are considered to be an "Eligible Person' under this Plan if: (1) You are: (a) an American Express Cardmember who has an American Express Card or Account issued by American Express in your name; or (b) an employee (or other authorized person) of an entity which has a Business Travel Account. Airline Billing Account or Treasurer's Card issued to it by American Express and are eligible to have your Common Carrier fare charged to that Account; or (c) the spouse or dependent child under age 23 of any Eligible Person described in (a) or (b) above; and (2) You are a resident of the United States of America or one of its territories or possessions and the American Express Card account or other Account used Is baled in the United States. • How to File A Claim (1) To ensure prompt processing of your claim, you need to report any lost or damaged baggage immediately, as follows: • For checked baggage, you must rile a written report of the Loss or damage with the Common Carrier before leaving the terminal. • For carry-on baggage, you must file a written report of the Loss or damage with a local law enforcement agency. • You must retain all written reports and receipts until the final claim determination has been made. (2) Call toll-free 1.800.645.9700 (overseas, call 303-273-6498) to report your claim to the claims department and obtain a Baggage Insurance Plan Claim Form. (3) Complete and sign the Baggage Insurance Plan Claim Form and return It with the documentation as requested in the claim form. Please note the following: • Your claim will NOT be processed until all these requked documents are received. • You must return your completed claim form and required documents promptly, but not later than six months from the date of occurrence of Loss or damage, or your claim wig be denied. Additional Information For You The American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company ("Insurer"), Administrative Office, De Pere, Wisconsin. This document serves only as a Description of Coverage and is not a Policy or contract of insurance; the actual Terms, Conditions and Exclusions of Policy AX0400 ("Policy) govern the Baggage Insurance Plan. The Policy has been issued to American Express Travel Related Services Company, Inc., by AMEX Assurance Company and is on file at the offices of American Express. This document replaces all existing prior Descriptions of Coverage for the American Express Card Baggage Insurance Plan. p Kenneth J. Clak, President AMEX Assurance Company 6437-12-02(CP) Timothy Meehan, Secretary AMEX Assurance Company Does not apply to New York Store residents. BP/CO2FYU0306 EFTA01661135 Epstein Web iOS app on the App Store.
March 6, 2026 at 12:08 AM