Travel Accident Insurance

Protection While You Travel | Bank With MomentumUse your First Midwest Debit MasterCard to purchase your travel and coverage is automatic and free.

Worldwide Automatic Travel Accident Insurance covers you, your spouse and dependent children against accidental loss of life, limb, sight speech or hearing. Simply use your First Midwest Debit MasterCard® to purchase the entire cost of the common carrier passenger fare. This benefit is automatic, free and can make you feel more secure knowing that you and your family are covered. Your First Midwest Debit MasterCard. There to provide. There to protect.

Exercise Your Benefits

MasterCard is ready to help 24/7. Call 1-800-MC-ASSIST
(1-800-622-7747) to start the claim process within 180 days of the incident.

How To Get Coverage

  • You must charge the entire cost of the passenger fare(s) to your Debit MasterCard card account, less redeemable certificates, vouchers, coupons, or free flights awarded from frequent flier cards.
  • If the entire cost of the passenger fare has been charged to your Debit MasterCard card prior to departure for the airport, terminal, or station, coverage also is provided for common carrier travel (including taxi, bus, train, or airport limousine immediately (a) preceding your departure, directly to the airport, terminal, or station; (b) while at the airport, terminal, or station; and (c) immediately following your arrival at the airport, terminal, or station of your destination.
  • If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal, or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your Debit MasterCard card account.
  • It is not necessary for you to notify the administrator or the insurance company when tickets are purchased. 

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How To File A Claim

  • Call 1-800-MC-ASSIST to request a claim form.
  • Submit the following documentation within one hundred eighty (180) days of the incident or the claim will not be honored:
    • Completed and signed claim form.
    • MasterCard statement showing purchase of the fare.
    • Claim check and lost baggage report.
    • Receipts for any items purchased.
    • Any other documentation that may reasonably be requested.
    • Answers to specific questions can be obtained by writing to The Direct Marketing Group:
      The Direct Marketing Group, Inc.
      9931 South 136th St., Suite 100
      Omaha, NE 68138
     

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Coverage Details

  • $100,000.00 for Enhanced Plus Debit Benefits Package.
  • $250,000.00 for World Debit Benefits Package.
  • $300 Baggage Delay Benefits for Enhanced Plus Debit and World Benefits Packages.
  • The full benefit of $100,000.00 for Enhanced Plus Debit Benefits Package and $250,000.00 for World Debit Benefits Package is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing, or any combination thereof.
  • One-half of the benefit amount is payable for accidental loss of: one member, sight of one eye, speech, or hearing.
  • One-quarter of the benefit amount is payable for the accidental loss of the thumb and index finger of the same hand.
  • The Baggage Delay amount is limited to $100 per day, for three (3) days for a covered trip and at a destination other than the cardholder’s location of permanent residence.
  • Coverage is in excess if any other insurance, indemnity, or reimbursements from the common carrier are available to the insured person.
  • The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse, b) your children, c) your parents, d) your brothers and sisters, and e) your estate.

Coverage Limitations 

  • The insurer will pay the single largest applicable benefit amount. In no event will duplicate request forms or multiple charge cards obligate the insurance company in excess of the stated benefit amounts for any one loss sustained by any one individual insured as the result of any one accident.
  • In the event of multiple deaths per credit card account arising from any one accident, the insurer’s liability for all such losses will be limited to a maximum limit of insurance equal to three times the applicable benefit amount for loss of life. Benefits will be proportionately divided among the insured persons, up to the maximum limit of the insurance.

What Is Not Covered 

  • Loss resulting from your emotional trauma, mental or physical illness; pregnancy, childbirth, or miscarriage; bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria); or bodily malfunctions.
  • Suicide, attempted suicide, or intentionally self-inflicted injuries.
  • Declared or undeclared war, but war does not include acts of terrorism.
  • An accident that occurs while you are inside, entering, or exiting any aircraft while acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency.
  • Essential items, including but not limited to, contact lenses, eyeglasses, or hearing aids; artificial teeth, dental bridges, or prosthetic devices; tickets, documents, money, securities, checks, travelers checks, and valuable papers; or business samples.
  • This coverage does not include commutation.

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