Visa Cover from Aon
Benefit packages for both Consumer and Business Card Products
Visa card benefits arranged by Aon gives your clients access to a range of insurance solutions at no additional charge to the cardholder. We work with global insurance brands to ensure your cardholders are protected every day.
Cover includes
Travel
Accommodation, personal belongings, travel cancellation and delay, and medical assistance.
Shopping
Best price cover, extended warranty, purchase protection.
Other
Gadgets, car hire excess, cyber and identity theft.
Founded in 1963, Europ Assistance, the inventor of assistance, supports customers in over 200 countries and territories thanks to our network of 750.000 approved providers and 43 assistance centers. Our mission is to bring people or corporates from distress to relief – anytime, anywhere. We provide roadside assistance, travel assistance and insurance, as well as personal assistance services such as the protection of the elderly, the protection of digital identity, telemedicine and the Conciergerie. The vision of our almost 10,000 employees is to be the most reliable care company in the world. Europ Assistance is part of the Generali Group, one of the world’s leading insurers
Accommodation
Accommodation product (Anti Fraud/Anti Surprise): We will reimburse a proportion of the rental cost due to you being unable to occupy the Leased Property in the event that it was significantly different to the description of the property on the website, and the Owner refuses to reimburse you the rental charges or as a result of a dishonest or fraudulent act perpetrated by the owner.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
Payment for trip to have been made on valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
All bookings must be made through a website.
Download packages in PDF format
EA-Poland-TravelPersonal Belongings
Personal Belongings, Baggage Delay and Car Sharing: Accidental Loss / Theft of or Damage to personal belongings
Reimburses emergency purchases such as replacement clothing or toiletries if your checked in baggage is delayed
Cover for personal property when travelling in Taxi’s/car share schemes.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
The loss, theft or damage of valuables
Download packages in PDF format
Travel Cancellation/Trip Interruption
Reimburses unused travel and accommodation costs which are cancelled due to various reasons including illness, injury of death of close relative.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Pre-existing medical conditions excluded
Download packages in PDF format
Missed Departure / Connection
Missed Departure/Missed Connection: Covers meals and additional accommodation if travel is missed due to various reasons including adverse weather conditions.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
Payment for trip to have been made on valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
An accident or breakdown in the vehicle in which you are travelling or which a police/emergency services report is not provided
Download packages in PDF format
Delayed Departure
Covers meals and additional accommodation if travel is delayed for a certain period of time due to various reasons including adverse weather conditions.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
Payment for trip to have been made on valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Strike or Air Traffic Delay existing or publicly declared when you book your travel
Download packages in PDF format
Travel Accident
A lump sum for a loss resulting from accidental death or permanent total disablement when using public transport.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies only abroad
2) Cover applies only abroad
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excluded in country of residence
2) Pre-existing medical conditions excluded
2) Pre-existing medical conditions excluded
Download packages in PDF format
Medical Assistance and Emergency Expenses
Medical Assistance and Emergency Expenses Abroad: Reimbursement or direct payment of medical expenses due an accident or illness abroad. This also provides Travel Advice, Travel Assistance and Mental Health support.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies only abroad
2) Cover applies only abroad
Use of card
N/A
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excluded in country of residence
2) Pre-existing medical conditions excluded
2) Pre-existing medical conditions excluded
Download packages in PDF format
ATM Theft
Provides cover by reimbursing stolen cash that was withdrawn from the ATM if the cardholder is assaulted.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) ATM withdrawals must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Only covers country of residence if 20km away from home address and on a pre-booked trip
Download packages in PDF format
Winter Sports
Provides cover for Ski Equipment, Lift Passes due to illness and alternative accommodation and piste closure.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Any claims relating to a motorised device on land, water or air is excluded
Download packages in PDF format
Best Price Cover
Provides cover for the difference between the original price paid for an item and the reduced selling price.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Country of residence only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excludes mobile phones
2) Excludes business items
3) Excludes second hand goods
2) Excludes business items
3) Excludes second hand goods
Download packages in PDF format
Extended Warranty
Provides cover by extending the manufacturer’s warranty with an additional warranty (usually 1 extra year) for white goods, household appliances, etc.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Country of residence only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Minimum €150 item
2) Must have a minimum of 24 months manufacturers warranty
3) Business items excluded
4) Must be for use in country of residence
2) Must have a minimum of 24 months manufacturers warranty
3) Business items excluded
4) Must be for use in country of residence
Download packages in PDF format
Purchase Protection
Provides cover in the event of theft of or accidental damage to a new eligible item
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Country of residence only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Minimum €100 item
Download packages in PDF format
Online Delivery Protection
Provides cover for theft (e.g. if delivered in safe place when homeowner out / damaged items)
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Country of residence only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excludes mobile phones
2) Excludes jewellery and watches
2) Excludes jewellery and watches
Download packages in PDF format
Gadget - AD / Screen Cover / Theft
Gadget Screen Cover, Accidental Damage and Theft: Provides cover for screen damage to tablets and mobile phones.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover for personal use only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Mobile Phone, computer or tablet for personal use bought using the covered card
Download packages in PDF format
Car Hire Excess
Provides cover for the excess in the event of damage or theft to any hired vehicle.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover applies only abroad
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Excluded in country of residence
Download packages in PDF format
Missed Event
Provides reimbursement for unused concerts, sporting events and theatre tickets due to various reasons including illness and theft.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover applies Worldwide
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
When the event is cancelled by the organisers or any event you can reasonably attend will be excluded
Download packages in PDF format
ID Theft and Cyber Attacks
Covers the costs related to ID Theft/Cyber e.g. time associated to filing applications.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover following the event of an Online identify theft, document theft or credit card blocking as a result of cloning or suspicious transactions.
Use of card
N/A
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Cover does not apply to any dishonest, criminal or fraudulent acts.
Download packages in PDF format
Purchase Protection (Business)
Business Purchase Protection: Items purchased for business use on the covered card within (180,90,60) days from the date of purchase. Items can include business equipment and items purchased for re-sale.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Items purchased solely for business.
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Minimum €100 item
Download packages in PDF format
Business Extended Warranty
Business Extended Warranty: Coverage doubles the manufacturer’s warranty of items purchased on the covered card up to 24 months.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Items purchased solely for business
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excludes personal items
2) Must be for use in country of residence
3) Excludes mobiles phones, computers and tablets
2) Must be for use in country of residence
3) Excludes mobiles phones, computers and tablets
Download packages in PDF format
Portable Electronic Device Coverage
Business Equipment - Cell phone, Tablets, Computer.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover applies to business items only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Only provides cover when travelling
Download packages in PDF format
Cyber Transaction Protection
Cyber Transaction Protection: Provides coverage for items purchased on internet that are misleading or that are not received.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover applies to business items only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Online business purchases only
Download packages in PDF format
Fraud Protection
Unauthorized use of the card by employee.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
In the event of unauthorised and fraudulent use of the Card by an employee of the Cardholder (for professional use only)
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Losses not reported to the police within 24 hours of discovery
Download packages in PDF format
Personal Belongings
Personal Belongings, Baggage Delay and Car Sharing: Accidental Loss / Theft of or Damage to personal belongings
Reimburses emergency purchases such as replacement clothing or toiletries if your checked in baggage is delayed
Cover for personal property when travelling in Taxi’s/car share schemes.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
The loss, theft or damage of valuables
Download packages in PDF format
Travel Cancellation/Trip Interruption
Reimburses unused travel and accommodation costs which are cancelled due to various reasons including illness, injury of death of close relative.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Pre-existing medical conditions excluded
Download packages in PDF format
Missed Departure / Connection
Missed Departure/Missed Connection: Covers meals and additional accommodation if travel is missed due to various reasons including adverse weather conditions.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
Payment for trip to have been made on valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
An accident or breakdown in the vehicle in which you are travelling or which a police/emergency services report is not provided
Download packages in PDF format
Travel Accident
A lump sum for a loss resulting from accidental death or permanent total disablement when using public transport.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies only abroad
2) Cover applies only abroad
Use of card
1) Payment for trip to have been made on valid card
2) Purchases must be made on a valid card
2) Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excluded in country of residence
2) Pre-existing medical conditions excluded
2) Pre-existing medical conditions excluded
Download packages in PDF format
Medical Assistance and Emergency Expenses
Medical Assistance and Emergency Expenses Abroad: Reimbursement or direct payment of medical expenses due an accident or illness abroad. This also provides Travel Advice, Travel Assistance and Mental Health support.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies only abroad
2) Cover applies only abroad
Use of card
N/A
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
1) Excluded in country of residence
2) Pre-existing medical conditions excluded
2) Pre-existing medical conditions excluded
Download packages in PDF format
ATM Theft
Provides cover by reimbursing stolen cash that was withdrawn from the ATM if the cardholder is assaulted.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
1) ATM withdrawals must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Only covers country of residence if 20km away from home address and on a pre-booked trip
Download packages in PDF format
Car Hire Excess
Provides cover for the excess in the event of damage or theft to any hired vehicle.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover applies only abroad
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Excluded in country of residence
Download packages in PDF format
Missed Event
Provides reimbursement for unused concerts, sporting events and theatre tickets due to various reasons including illness and theft.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover applies Worldwide
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
When the event is cancelled by the organisers or any event you can reasonably attend will be excluded
Download packages in PDF format
Delayed Departure
Covers meals and additional accommodation if travel is delayed for a certain period of time due to various reasons including adverse weather conditions.
Package highlights
Insured/Beneficiary
Cardholder Only (Travel Benefits may extend to immediate family)
Scope
1) Cover while travelling - personal or for business
2) Cover applies worldwide
2) Cover applies worldwide
Use of card
Payment for trip to have been made on valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Strike or Air Traffic Delay existing or publicly declared when you book your travel
Download packages in PDF format
Gadget - AD / Screen Cover / Theft (Bus)
Gadget Screen Cover, Accidental Damage and Theft: Provides cover for screen damage to tablets and mobile phones.
Package highlights
Insured/Beneficiary
Cardholder Only
Scope
Cover for business use only
Use of card
Purchases must be made on a valid card
Duration of cover
Annual Cover
Key exclusions or eligibility criteria
Mobile Phone, computer or tablet for personal use bought using the covered card
Download packages in PDF format
Claims Process
1
Cardholder uses card to purchase covered goods/service
2
A loss occurs by the cardholder
3
Cardholder can provide first notification of loss by phone or via the digital claims journey
4
Insurer acknowledges and begins claims process
5
Fully transparent claims process with the ability to obtain progress updates online and by phone
6
Once the claim has been validated then a payment will be processed
Why purchase through Aon?
Aon is in the business of better decisions
Aon exists to shape decisions for the better – to protect and enrich the lives of people around the world. We provide our clients with advice and solutions that gave them the clarity and confidence to make better decisions to protect and grow their business. Aon is in the business of better decisions.
50,000
colleagues around the world
120+
countries with Aon clients
Through our experience, global reach and state-of-the-art analytics, we are better able to help clients meet rapidly changing, increasingly complex and interconnected challenges across four areas of need.
- Navigating new forms of volatility
- Building a resilient workforce
- Rethinking access to capital
- Addressing the undeserved
Commercial Risk Solutions
Shifts in technology. economics and geopolitics are creating unprecedented volatility. We help clients identify, measure and manage exposure.
$75B+
of bound premium
placed annually
Health Solutions
Health is declining, costs are rising and workers have vastly different needs. We help Companies improve health and wellbeing while managing costs.
$180B
of healthcare premium
directed annually
Reinsurance Solutions
Business, governments and communities need to become more resilient. Our expertise and insight help (re)insurers navigate uncharted territories and create more relevant solutions.
$45B
of bound premium
placed annually
Wealth Solutions
Global business is becoming increasingly difficult to navigate. We help employers, fiduciaries and investment officers optimise results and provide a more secure future for their stakeholders.
$4.1T2
of assets under
advisement
1. Includes $30B of fully-insured premium and $150B of self-insured premium equivalents.
2. As of 6/30/2021, includes non-discretionary assets advised by Aon and its global affiliates which includes retainer clients and clients in which Aon and its global affiliates have performed project services for over the past 12 months. Project clients may not currently engage Aon at the time of the calculation of assets under advisement as the project may have concluded earlier during preceding 12-month period.
Legals
Travel, Shopping and Other insurance products are provided by Europ Assistance and arranged by Aon Belgium B.V (UK Branch).
Aon Belgium B.V. is authorised and regulated by the Belgian Financial Services and Markets Authority (“FSMA”). Aon Belgium B.V. Registered Office: Telecomlaan 5-7, 1831 Diegem, Belgium and registered with the Crossroads Bank of Enterprises under number 0426.531.863. Aon Belgium B.V. (UK Branch) is a branch of Aon Belgium B.V. and registered in the UK (establishment number BR020969). Aon Belgium B.V. (UK Branch) Registered Office: The Aon Centre, The Leadenhall Building, 122 Leadenhall Street, London EC3V 4AN. Tel: 020 7623 5500
Insurance mediation services referred to in this document will be effectively provided by the corresponding Aon Group entity duly authorised to perform said activities in the relevant territory and as set out in the terms of business agreement.
FP.AFF.2970.CC