New York State
PP-DOC 09/17 3 316-401
2. any activity directly related to and occurring while in the service of any armed military force of any nation
state recognized by the United Nations;
3. violation of a criminal law, offense or infraction;
4. fraud or abuse or illegal activity of any kind by the Card Member;
5. confiscation by any governmental authority, public authority, or customs official;
6. damage or theft while under the care and control of any third party in whose possession the item
purchased by a Card Member has been temporarily placed;
7. item not being reasonably safeguarded;
8. theft from baggage not carried by hand and under Your personal supervision or under the supervision
of a traveling companion known by You;
9. damage through alteration (including but not limited to cutting, sawing and shaping);
10. normal wear and tear of any kind, inherent product defect or manufacturer’s defects or damage to an
item purchased for play and while the item was being used for its intended purposes (including but not
limited to sports equipment, items used for or during recreation, and motorized remote control items);
11. damage or theft while under the care and control of a common carrier (including but not limited to
transportation services, postal services, delivery services for hire);
12. leaving the purchased item at an unoccupied (i.e., absence of people from premises that is not a liveable
or useable space) construction site;
13. fraudulent, dishonest, or criminal acts or omissions, committed by your partners, members, officers,
managers, employees (including leased or temporary employees), directors, trustees, or authorized
representatives; or
14. purchases that are lost and/or irretrievable (i.e. item is neither stolen nor damaged), misplaced, or
Mysteriously Disappeared.
Purchases Not Covered
The following purchases are not covered:
1. consumable or perishable items with extended or limited life spans (including, but not limited to: food,
perfume, light bulbs, batteries);
2. stolen or damaged items consisting of articles in a pair or set. Coverage will be limited to no more than
the value of any particular part or parts, unless the articles are unusable individually and cannot be
replaced individually, regardless of any special value they may have had as part of a set or collection;
3. travelers checks, tickets of any kind, negotiable instruments (including but not limited to gift certificates,
gift cards and gift checks), cash or its equivalent, rare stamps or coins;
4. animals or living plants;
5. one-of-a-kind, antique or previously owned and used items. Items refurbished by the manufacturer are
not considered previously owned or used;
6. motorized vehicles, scooters, golf carts, watercraft, aircraft, motorcycles or their motors, equipment,
parts or accessories, or trailers and other items that can be towed by or attached to any motorized
vehicle;
7. items rented, leased or borrowed for which You will be held responsible;
8. permanent household fixtures unless they can be removed without causing damage to the structure;
9. items purchased for use as inventory, resale, professional, or commercial use (including but not limited
to professional education, training or skills, or to be used in professional competition);
10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters and/or any item
that cannot be removed without causing damage to the structure; and
11. hospital, medical and dental equipment and devices (including but not limited to blood pressure
device/equipment, blood glucose monitoring devices, and dental retainers).
IV. CLAIMS PROCESS
If You experience a Covered Incident for which You believe a benefit is payable under this Plan, You must
provide both Notice of Claim and Proof of Loss.
To insure prompt processing of Your claim, report any theft or damage immediately following the date of the
Covered Incident, including for gifts purchased on Your Account. Retain Your receipts and Your damaged
item (if applicable) until the claim process is complete.