The American Express Government Travel Card What does it cover? Presented by Patrick Dussault Amex Bank of Canada November 24, 2008 Due to the competitive

The American Express Government Travel CardWhat does it cover?

Presented by Patrick Dussault

Amex Bank of Canada

November 24, 2008Due to the competitive nature of this document, the information contained within is considered to be of a proprietary and confidential nature

and shall not be copied, printed or otherwise reproduced without the express written permission of American Express.

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Due to the competitive nature of this document, the information contained within is considered to be of a proprietary and confidential nature and shall not be copied, printed or otherwise reproduced without the express written permission of American Express.

Important Note

This presentation is intended to provide a general overview on the American Express Government Travel Card and its features and benefits, including directional information on insurance coverages.

Note: This is not a complete description of insurance coverage. All insurance coverages are subject to terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read Certificates of Insurance carefully.

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Agenda

Designated Travel Card Features & benefits Loyalty Programs Insurances

Insurance overview Coverages Frequently asked questions Summary Traveller best practices checklist

Q&A Appendices

Additional frequently asked questions Top 8 ways to avoid a denied claim

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Card Features & Benefits

No card fees Full corporate liability

No impact on your personal credit A 24/7 employee support network Cash advances

Multiple international currencies through ATMs worldwide Facilitates expense management process (EMT) Online account management and statement access

through My Account Custom card design proudly recognizing you as a

Government of Canada employee

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Exceptional loyalty program options

1. Membership Rewards from American Express Premium line-up of reward choices

Fee Tier Earn 1 point for every $1 spent Access to Aeroplan

No Fee 1 point for every $1 spent

2. AIR MILES reward miles Fee – 1 Mile for every $20 No Fee Tier – 1 Mile for every $40

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BENEFIT COVERAGE Up to

Travel accident insurance $500,000

Lost or stolen luggage insurance $2,000

Flight and baggage delay insurance $500

Entertainment allowance with flight delay $100

Missed connection insurance $500

Hotel/motel burglary insurance $500

Car rental accidental death and dismemberment

Cardmember

Passengers

$500,000

$500,000

Primary car rental theft and damage insurance (CDW) Full Value

Car rental personal effects insurance $2,000

Unexpected return home $2,000 per trip

Best-in-class insurance coverage

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Insurance overview

Travel Accident Insurance (TAI) Up to $500,000, 24 hours a day

Fully charge ticket to your American Express Government Designated Travel Card or Designated Responsibility Centre Travel Card

Covers an accidental death or certain accidental bodily injuries

Travel on business on a common carrier (plane, train, bus or ship)

Coverage commences when you leave your residence or your regular place of employment, whichever occurs last

Remains in effect until you return to your residence or regular place of employment, whichever occurs first

Does not include bona fide leaves of absence, personal side trips, and everyday travel to and from work

Loss must occur within 365 days after the date of the accident

If more than one type of loss is sustained, only one amount shall be payable

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Insurance overview

Supplementary Lost or Stolen Baggage Insurance Reimburse lost or stolen belongings up to $2,000 per trip

Fully charge the cost of the trip to your American Express Government Designated Travel

Card or Designated Responsibility Centre Travel Card Coverage

Begins once in transit/boards aircraft (checked-in or carried-on baggage) Ends baggage unloaded and at baggage pick-up or when leave aircraft Jewellery is limited to no more than $300 per occurrence Golf Clubs, including golf bags, is limited to no more than $250 per occurrence

Documents required from the airline indicating that your bags are lost, not delayed. If your baggage is returned after 14 days you are still covered Proof of loss within 30 days after occurrence

Written proof of loss within 30 days from the date of loss

Some Exclusions: contact lenses, eyeglasses, teeth and limbs, cameras and equipment, all sums of money, tickets, art and antiques, and business items

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Insurance overview

Flight and Baggage Delay Insurance Up to $500 (or $1,000) coverage per occurrence

Fully charge your airline tickets to your American Express Government Designated Travel Card or

Designated Responsibility Centre Travel Card Applies to actual Cardmember, their spouse and any child under the age of 21 that resides in the

home of the Cardmember

Delayed flight departure or denied boarding: Delayed or denied boarding for more than four hours Coverage for up to $500 coverage for all reasonable and necessary hotel, motel or restaurant expenses Amex will pay for necessary and reasonable expenses incurred within 48 hours (i.e. hotel, meals, sundry items)

Missed connection: Outbound trip is delayed for more than six hours Receive up to $500 for all immediate necessary hotel accommodation, restaurant expenses and other sundry

purchases made within 48 hours of deplaning

Emergency baggage delay: Checked-in baggage is not delivered within six hours of your arrival Reimbursed for necessary emergency expenses such as essential clothing and sundry items that are purchased

within four days of their arrival

Entertainment Allowance: Flight delay in excess of four hours Reimbursed for entertainment expenses to a limit of $100 for ticketed events


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Insurance overview

Hotel/Motel Burglary Insurance Up to $500 coverage per occurrence for loss of personal items (excluding

cash) Fully book and pay for your hotel/motel room accommodation with your American

Express Government Designated Travel Card or Designated Responsibility Centre Travel Card

Written proof of loss within 30 days from the date of loss Proof: hotel charge slip; police report confirming forced entry; hotel burglary

report; and receipts for repaired/replaced items

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Insurance overview

Car Rental Accidental Death and Dismemberment Up to $500,000 each to an overall maximum of $1,000,000 per occurrence

Fully charge car rental to your American Express Government Designated Travel

Card or Designated Responsibility Centre Travel Card Car rental coverage period cannot exceed more than 48 consecutive days Written proof of loss within 45 days from the date of loss

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Insurance overview

Car Rental Theft and Damage Insurance (CDW) & Car Rental Personal Effects Insurance Coverage up to full value of vehicle

Reimbursed (up to $2,000) for personal effects (excluding cash) in the event of loss or damage as a result of car burglary

Fully charge a car rental to your American Express Government Travel Card or Designated

Responsibility Centre Travel Card Important notes

You must decline the Loss Damage Waiver (LDW) (or similar option) offered to you by the car rental company and charge the rental to your American Express Government Travel Card or Designated Responsibility Centre Travel Card

Car rental coverage period cannot exceed more than 48 consecutive days Principal driver must be the Cardholder

Secondary driver must be listed on the rental agreement

No coverage for Car Rentals that are trucks or flat bed vehicles, antique, exotic, off-road vehicles, motorcycles, recreational vehicles, campers, or trailers

Proof of loss within 48 hours after occurrence Written proof of loss within 45 days from the date of loss

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Insurance overview

Unexpected Return Home Insurance Reimbursed for up to $2,000 for your trip home in the event of the death of an

immediate relative while on a trip Full cost of travel arrangements is charged to your American Express Government Travel

Card or Designated Responsibility Centre Travel Card prior to departure

Written proof of loss must be provided within 30 days from the date of loss

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Frequently asked questions

CAR RENTAL THEFT AND DAMAGE INSURANCE

Q Is injury or damage to other vehicles or property covered?

A Damage to other vehicles or property and injury is not covered. If you hit another vehicle or object, the insurer would only pay for the damage to your rental vehicle and no other damages. Please discuss Liability and Bodily Injury coverage needs with the rental agency or your personal insurer.

Q Who may drive the rental vehicle?

A Provided the car rental was fully paid for using your American Express Government Travel Card and you decline the LDW (or other similar insurance) offered by the rental agency, then you, the Cardmember, or any fellow Government of Canada employee or anyone else you permit to drive, may drive the vehicle. However, all drivers must otherwise qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental car under the laws of the jurisdiction in which the rental car shall be used.

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CAR RENTAL THEFT AND DAMAGE INSURANCE (continued)

Q How long may I rent a car (or cars) for and be covered?

A You can rent a car for forty-eight (48) consecutive days and be covered. The insurance covers you if your rental contract or rental contracts (back to back rentals), do not exceed 48 consecutive days in total. If you need rental cars for a longer period of time than 48 consecutive days, you will need to purchase all your coverage from the rental agency. This policy will not cover these extended rentals.

Q Is the Car Rental Theft and Damage coverage worldwide?

A The coverage is worldwide where allowed by law. Certain laws prevent our coverage from applying in various places, and these places change all the time. Please contact your rental agency or travel agent to determine if this coverage will be accepted.

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Q Do you contact my personal insurance company if I have an accident?

A Your personal insurer will not be contacted.

Q What should I do if I have an accident or loss?

A Contact the police and report the incident. If they will not come to the scene or take a report, record the officer’s name, phone number and badge number. Report the incident to American Express at 1 800 514-2915.

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SUPPLEMENTARY LOST OR STOLEN BAGGAGE INSURANCE

Q What type of things am I covered for?

A Lost or stolen baggage insurance covers the baggage itself and your personal effects in that baggage. Personal effects are items used for your adornment or personal use while on the trip, such as clothes, make-up, toiletries, music CD’s, novels, etc.. Examples of items not considered for your adornment or personal use would be business documents, office equipment and materials (business use), household furnishings or glassware, or objects of art, (see policy exclusions).

Q Is cash covered?

A No. Cash, bullion, negotiable property and tickets are not covered.

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SUPPLEMENTARY LOST OR STOLEN BAGGAGE INSURANCE (continued)

Q If my baggage is lost or stolen, will I receive a cash replacement?A We will pay for the actual replacement cost of the property, provided the item can be

replaced and the item is replaced. If it is not replaced, we will pay the actual cash value of the item at the time of loss. Alternatively, we may, at our option, repair the property, if it can be repaired to its condition prior to the damage. In no event, however, shall we pay more than $2,000 Canadian in total per occurrence.

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FLIGHT AND BAGGAGE DELAY

Q What happens if I am at the airport and my flight is delayed?A As a Government of Canada employee, you are entitled to the Flight Delay coverage,

provided you fully paid for or charged your airline ticket to your American Express Government Travel Card or your American Express Designated Responsibility Centre Travel Card. If no alternative means of transportation has been provided to you within four hours of your originally scheduled flight, you are covered for your necessary expenses while you await your departure. This means that if you need to get a hotel room or have dinner, you will be able to claim those reasonable expenses up to $500.00.

Q Are there any other benefits to this insurance that I should be aware of?A You also have access to a newly developed insurance coverage added specifically

for Government of Canada employees. An Entertainment Allowance is provided as a supplement to the Flight Delay Insurance. This entitles you to $100 in entertainment expenses for a delay in excess of four hours.

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Q What do I do if my luggage is lost and does not arrive in time for me to get ready for a meeting?

A As long as you have fully charged your airline ticket to your American Express Government Travel Card or your American Express Designated Responsibility Centre Travel Card you are covered for emergency purchases you need to make, on a daily basis, until your baggage is delivered, provided that your baggage is delayed for at least six hours from your time of arrival and the expenses do not exceed $500.00

Q I am at the airport and my connecting flight is overbooked. The airline offered a bus ticket for this evening to get to my destination, or I can wait until tomorrow to get another flight. Will the Flight Delay insurance cover my expenses if I spend the night in a hotel?

A If alternate forms of transportation are made available to you, you will not be covered for your expenses.

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HOTEL/MOTEL BURGLARY INSURANCE

Q If $100.00 is stolen from my hotel room, am I covered?

A No. Under this benefit you can be reimbursed for the loss of personal items upon receipt of due proof of loss. This does not include cash.

Q What is the maximum amount covered under this insurance?

A The maximum benefit payable under this coverage is $500.00 per occurrence, provided the loss is due to burglary.

Q Will I be covered if my daughter’s sweater was stolen from my hotel room?

A Your spouse or any dependant children in your care, are considered insured.

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UNEXPECTED RETURN HOME INSURANCE

Q What is Unexpected Return Home Coverage?

A In the event of the death of an Immediate Family Member while on a business trip that was fully charged to your Government Travel Card or your Designated Responsibility Centre Travel Card, we will reimburse you for the lesser of additional charges to change your ticket or to purchase a one-way economy fare by a common carrier to return home up to a maximum of $2,000 per individual insured or authorized traveller.

Q What defines an “immediate family member”?

A Immediate family member means your spouse, child including adopted children, parent including step-parents, legal guardian, parent-in-law, brother or sister including stepbrothers or stepsisters, grandparents, grandchildren, daughter-in-law, son-in-law, brother-in-law or sister-in-law.

Spouse means either:

a. the individual to whom an you are legally married; or

b. a person who cohabits on a continuous basis with you, in a relationship of a conjugal nature, which has been publicly recognized as such for at least one year.

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TRAVEL ACCIDENT INSURANCE

Q I have a central billing account for airline charges and would like to purchase a ticket for a contract employee. Would they be covered for the $500,000 TAI coverage?

A Contract employees and volunteers (for example, Red Cross or United Way) are considered employees or authorized travellers and as such they are covered under the Policy.

Q What if I take a business trip, extend my trip for a few days vacation and return home. If an accident happened on my trip home, am I covered?

A Only the business related portion of the trip is covered. Coverage is not extended to any personal side trips before, during, or after the business trip.

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Summary

• Ensure Cardmembers are aware of the Card benefits• Review the insurance coverage available• Cardmembers must decline the LDW coverage car

rental agencies• Cardmembers cannot rent a vehicle longer than 48

consecutive days• Ensure Cardmembers are aware of the claims

process and the documentation required to submit to process a claim

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1. Check your Card monthly limits status (cash & charge) to ensure that you have sufficient funds available

2. Review the insurance coverage certificates and check with Amex Card Customer Service if you are uncertain about terms and conditions

3. Obtain ExpressCash (ATM) to cover any out of pocket travel expenses or to pay where credit cards are not accepted

4. If you are travelling to an international destination, check the Amex website to find the nearest location to your hotel or place of business where cash can be obtained (www.amexatms.com)

5. Register at MY ACCOUNT (www.americanexpress.ca) to have immediate access to statements, recent charges, limit status or account balance, and international charges in CDN dollars

6. If you are renting a car, check to make sure the country allows out-of-country insurance. Remember to decline the LDW coverage offered by the Car Rental Agency and

remember that coverage is limited to 48 consecutive days

7. If you have a claim, contact American Express immediately

Best Practices Checklist

Q&A

Appendix

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GENERAL

Q Who is covered under these insurances?

A Employees of the Government of Canada, their accompanying spouses and dependants (provided they have been authorized to travel by the Government of Canada) and any other person who travels on authorized Government of Canada business are covered when a Government Travel Card or Account is used as described in the Certificates of Insurance.

All of these individuals are considered insured persons for Travel Accident Insurance and Car Rental Accidental Death and Dismemberment Insurance. For all other insurance coverages:

1. Individuals will be considered insured persons if they are employees of the Government of Canada who are either a Canadian citizen, a Permanent Resident of Canada or whose place of employment is in Canada ("Canadian Employees") or they are a spouse or dependent child of a Canadian Employee authorized to travel by the Government of Canada; and

2. For all other persons traveling on authorized Government of Canada business, all coverages are provided, however, the Government of Canada is the insured person.

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CAR RENTAL ACCIDENTAL DEATH AND DISMEMBERMENT

Q What is Car Rental Accident coverage?

A When you fully charge a car rental to your American Express Government Travel Card, you and your fellow authorized travellers will be covered for up to $500,000 each in car rental accidental death and dismemberment coverage, to an overall maximum of $1,000,000 per occurrence.

Q Do I have to pay extra for this coverage?

A When you charge and fully pay for a rental auto from a commercial rental agency using your American Express Government Travel Card, you are automatically covered at no additional cost.

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CAR RENTAL ACCIDENTAL DEATH AND DISMEMBERMENT (continued)

Q Are there restrictions on when I am covered?

A Yes, the policy includes several conditions and exclusions which you should examine closely. To be eligible for this coverage the car rental period may not exceed 48 days (if you rent a vehicle for longer than 48 consecutive days, there will be no coverage including the first 48 days). While this coverage is available for many cars, coverage is not provided for certain vehicle rentals, such as exotic and antique cars. This insurance does not cover losses caused, or contributed to, by:

a. Driving while intoxicated or under the influence of any narcotic or drug, unless prescribed by a physician

b. Violating the terms of the Rental Agreement

c. Intentional self-inflicted injury or suicide or attempted suicide while sane or insane

d. Illness, disease, normal pregnancy or resulting childbirth or miscarriage or bacterial infection

e. An act of war whether declared or not

f. Directly or indirectly, the actual, alleged, threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination

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CAR RENTAL ACCIDENTAL DEATH AND DISMEMBERMENT (continued)

Q What kind of losses are covered?

A The list of covered losses is extensive and includes loss of life, loss of use of an arm, leg, hand, foot, sight, speech, hearing and paralysis. The injury which results in the loss must occur while riding in, driving, boarding or alighting from the Rental Auto. The amount of payment is related to the degree of loss, and the loss must occur within 365 days of the date of the accident. For full details, please review the Certificate of Insurance carefully.

Q Who receives the benefits for a covered loss?

A The benefits are payable to you, the insured, if living, otherwise to your estate.

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CAR RENTAL THEFT AND DAMAGE INSURANCE

Q What is Car Rental Theft and Damage Insurance?

A When you fully charge a car rental to your American Express Government Travel Card, you will be automatically covered for theft or damage on many rental cars up to the full value of the rental car (where permitted by law). To take advantage of this protection, you must decline the Loss Damage Waiver (LDW) (or similar option offered to you by the car rental company) and charge the rental to your American Express Government Travel Card. There is no additional charge for this coverage and you save the daily LDW fee (usually $16-$24 per day) charged by the car rental company.

Q How much does this insurance cost?

A The Car Rental Theft and Damage Insurance is free of charge.

Q How can I get this insurance?

A The insurance is activated whenever you rent and fully pay for a standard rental vehicle using your American Express Government Travel Card and decline the LDW (or similar insurance) offered by the rental agency.

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Q What is covered under the policy?

A The insurance covers damage to or theft of the rental vehicle for which you are liable including collision, fire, vandalism, and tire and glass damage, provided you comply with the terms and conditions of the policy.

Q Is injury or damage to other vehicles or property covered?

A Damage to other vehicles or property and injury is not covered. If you hit another vehicle or object, the insurer would only pay for the damage to your rental vehicle and no other damages. Please discuss Liability and Bodily Injury coverage needs with the rental agency or your personal insurer.

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Q Who may drive the rental vehicle?

A Provided the car rental was fully paid for using your American Express Government Travel Card and you decline the LDW (or other similar insurance) offered by the rental agency, then you, the Cardmember, or any fellow Government of Canada employee or anyone else you permit to drive, may drive the vehicle. However, all drivers must otherwise qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental car under the laws of the jurisdiction in which the rental car shall be used.

Q Is there an age limitation on drivers?

A There is no age limitation on drivers. However, all drivers must qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental car under the laws of the jurisdiction in which the rental car shall be used.

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Q Is there an age limitation on drivers?

A There is no age limitation on drivers. However, all drivers must qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental car under the laws of the jurisdiction in which the rental car shall be used.

Q How long may I rent a car (or cars) for and be covered?

A You can rent a car for forty-eight (48) consecutive days and be covered. The insurance covers you if your rental contract or rental contracts (back to back rentals), do not exceed 48 consecutive days in total. If you need rental cars for a longer period of time than 48 consecutive days, you will need to purchase all your coverage from the rental agency. This policy will not cover these extended rentals.

Q Will I be covered if I drop off one vehicle in Montreal, fly to Vancouver and pick up a second vehicle the same day?

A Yes, you will be covered. The two rentals would not be considered consecutive since they are in substantially different locations.

Q Is the Car Rental Theft and Damage coverage worldwide?

A The coverage is worldwide where allowed by law. Certain laws prevent our coverage from applying in various places, and these places change all the time. Please contact your rental agency or travel agent to determine if this coverage will be accepted.

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Q Do you contact my personal insurance company if I have an accident?

A Your personal insurer will not be contacted.

Q What should I do if I have an accident or loss?

A Contact the police and report the incident. If they will not come to the scene or take a report, record the officer’s name, phone number and badge number. Report the incident to American Express at 1 800 514-2915.

Q What documents do you need to process the claim?

A When an accident does occur, the following documents will be required or your claim may be delayed:

• Your closed out rental agreement, showing the details of your rental (where, when, vehicle, etc.)

• Proof the rental was fully paid with your American Express Government Travel Card (The charge slip or your monthly billing statement is acceptable).

• A copy of the police report, if possible. Sometimes it may not be ready or the police may not release it to you. In these instances, obtain the badge number, name and the phone number of the police officer who filed the report.

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CAR RENTAL – Personal Effects (continued)

Q Are there any other benefits to this insurance I should be aware of?

A You are automatically covered for burglary of any personal effects (excluding cash and certain other items) that were in the rented vehicle. You are covered for the actual cash value of any items that are lost or damaged due to burglary, theft or robbery against the rental vehicle up to a maximum of $2,000.00.

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SUPPLEMENTARY LOST OR STOLEN BAGGAGE INSURANCE

Q How is the lost or stolen baggage insurance activated?

A Coverage is automatically provided when you fully charge a trip (an airline ticket or an airline ticket and accommodation) in advance to your American Express Government Travel Card or American Express Designated Responsibility Centre Travel Card.

Q What type of things am I covered for?

A Lost or stolen baggage insurance covers the baggage itself and your personal effects in that baggage. Personal effects are items used for your adornment or personal use while on the trip, such as clothes, make-up, toiletries, music CD’s, novels, etc.. Examples of items not considered for your adornment or personal use would be business documents, office equipment and materials (business use), household furnishings or glassware, or objects of art, (see policy exclusions).

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Q Is cash covered?A No. Cash, bullion, negotiable property and tickets are not covered.

Q Are there any limitations or deductibles?A There is no deductible, however, there are specific limitations. The maximum amount

payable is up to $2,000 per trip for all covered people combined. Of this, the maximum amount for jewellery is limited to $300 per occurrence and no more than $250 per occurrence will apply to golf clubs, including golf bags. The following items are not covered: contact lenses, eyeglasses, artificial teeth and limbs, cameras and camera equipment, sports equipment, all sums of money and currency, tickets and documents, statuary, paintings, china or glass objects, objects of art or antiques, household effects and items pertaining to business.

Q What is “Checked-In” vs “Carry-On” luggage?A Your luggage checked-in coverage starts when it has been taken out of your hands by an

airline representative and ends when that luggage has been unloaded and placed in the airport terminal’s baggage pick-up area for retrieval. Carry-on luggage coverage starts when you board the aircraft with luggage you are carrying (carry-on) and ends when you disembark the aircraft.

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Q What does “Supplementary Coverage” mean?A This insurance coverage is supplementary and in excess of any other applicable valid

and collectible insurance or indemnity available to the insured or authorized traveller. This includes your home insurance as well as any other baggage insurance you may have purchased. In many instances your home policy will cover for loss or damage to baggage, except there will be a deductible applied. The insurer pays only for the excess of the amount of loss that is over any amount covered by all other insurance and for the amount of any applicable deductible.

Q If my baggage is lost or stolen, will I receive a cash replacement?A We will pay for the actual replacement cost of the property, provided the item can be

replaced and the item is replaced. If it is not replaced, we will pay the actual cash value of the item at the time of loss. Alternatively, we may, at our option, repair the property, if it can be repaired to its condition prior to the damage. In no event, however, shall we pay more than $2,000 Canadian in total per occurrence.

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Q What happens if I am at the airport and my flight is delayed?

A As a Government of Canada employee, you are entitled to the Flight Delay coverage, provided you fully paid for or charged your airline ticket to your American Express Government Travel Card or your American Express Designated Responsibility Centre Travel Card. If no alternative means of transportation has been provided to you within four hours of your originally scheduled flight, you are covered for your necessary expenses while you await your departure. This means that if you need to get a hotel room or have dinner, you will be able to claim those reasonable expenses up to $500.00.

Q Are there any other benefits to this insurance that I should be aware of?

A You also have access to a newly developed insurance coverage added specifically for Government of Canada employees. An Entertainment Allowance is provided as a supplement to the Flight Delay Insurance. This entitles you to $100 in entertainment expenses for a delay in excess of four hours.

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FLIGHT AND BAGGAGE DELAY (Outbound travel only)Q What do I do if my luggage is lost and does not arrive in time for me to get

ready for a meeting?A As long as you have fully charged your airline ticket to your American Express

Government Travel Card or your American Express Designated Responsibility Centre Travel Card you are covered for emergency purchases you need to make, on a daily basis, until your baggage is delivered, provided that your baggage is delayed for at least six hours from your time of arrival and the expenses do not exceed $500.00

Q I am at the airport and my connecting flight is overbooked. The airline offered a bus ticket for this evening to get to my destination, or I can wait until tomorrow to get another flight. Will the Flight Delay insurance cover my expenses if I spend the night in a hotel?

A If alternate forms of transportation are made available to you, you will not be covered for your expenses.

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HOTEL/MOTEL BURGLARY INSURANCE

Q What is Hotel/Motel Burglary Insurance?

A As an American Express Government Travel Cardmember you will be eligible for a maximum benefit of up to $500.00 per occurrence for the replacement of your personal items, provided the loss is due to burglary. The room must have been fully paid for in advance with your American Express Government Travel Card.

Q How do you define burglary?

A Burglary is defined as the unlawful removal of property from your hotel/motel room involving visible forcible entry.

Q If $100.00 is stolen from my hotel room, am I covered?

A No. Under this benefit you can be reimbursed for the loss of personal items upon receipt of due proof of loss. This does not include cash.

Q What is the maximum amount covered under this insurance?

A The maximum benefit payable under this coverage is $500.00 per occurrence, provided the loss is due to burglary.

Q Will I be covered if my daughter’s sweater was stolen from my hotel room?

A Your spouse or any dependant children in your care, are considered insured.

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UNEXPECTED RETURN HOME INSURANCE

Q What is Unexpected Return Home Coverage?

A In the event of the death of an Immediate Family Member while on a business trip that was fully charged to your Government Travel Card or your Designated Responsibility Centre Travel Card, we will reimburse you for the lesser of additional charges to change your ticket or to purchase a one-way economy fare by a common carrier to return home up to a maximum of $2,000 per individual insured or authorized traveller.

Q What defines an “immediate family member”?

A Immediate family member means your spouse, child including adopted children, parent including step-parents, legal guardian, parent-in-law, brother or sister including stepbrothers or stepsisters, grandparents, grandchildren, daughter-in-law, son-in-law, brother-in-law or sister-in-law.

Spouse means either:

a. the individual to whom an you are legally married; or

b. a person who cohabits on a continuous basis with you, in a relationship of a conjugal nature, which has been publicly recognized as such for at least one year.

Q Who should I call to make my travel reservation to return home?

A Please contact your American Express Travel office to book your trip home. You can reach the travel office at 1 800 514-3798

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TRAVEL ACCIDENT INSURANCE

Q Are chartered air flights covered under my TAI?

A While chartered flights can be covered as “Common Carrier” in the policy there are two exclusions that limit the types of chartered flights covered. There would be no coverage when a covered person flies on a non-scheduled licensed common carrier hired by a single organization. A chartered flight will only be covered as long as it is a regularly scheduled flight, the provider is licensed to carry passengers, and the aircraft is not owned, leased or hired by a single organization or sponsoring organization.

Q I have a central billing account for airline charges and would like to purchase a ticket for a contract employee. Would they be covered for the $500,000 TAI coverage?

A Contract employees and volunteers (for example, Red Cross or United Way) are considered employees or authorized travellers and as such they are covered under the Policy.

Q What if I take a business trip, extend my trip for a few days vacation and return home. If an accident happened on my trip home, am I covered?

A Only the business related portion of the trip is covered. Coverage is not extended to any personal side trips before, during, or after the business trip.

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Top 8 Ways to Avoid a Denied Claim

For Car Rental Insurance

1. Understand the limits of coverage and ensure that you are in compliance

2. Remember that Cardmembers must initiate and pay for the rental in full using the Government Designated Travel Card and must be the principal driver

3. Ensure employees deny LDW in their rental agreement with the car agency

4. Ensure Cardmembers are aware they cannot rent a vehicle for more than 48 consecutive days

5. Pick-up trucks or vehicles that convert are not covered under the policy

6. Any secondary drivers on the rental must be listed on the rental contract even if it is not required by the rental agency

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Top 8 Ways to Avoid a Denied Claim

For Flight and Baggage Delay Insurance

7. Coverage only applies after 4 hours and up to 48 hours. Applies to hotel accommodations (if delayed overnight), restaurant meals, refreshments, and sundry items.

8. Coverage is for immediate reasonable and necessary expenses incurred on a daily basis after 6 hours and up to 4 days.