VISA Enhancements

Auto Rental Collision Damage Waiver

Auto Rental Collision Damage Waiver (ARCDW) eliminates the need for you, the cardholder, to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles, saving you as much as $13 per day in insurance costs.

How This Enhancement Program Works

ARCDW will reimburse a covered cardholder for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages, up to the actual cash value of most rental cars. Available in the United States and most foreign countries, ARCDW reimburses the cardholder up to the full value of most rental cars for damage or theft not covered by the rental company, the cardholder's personal insurance, employer, or employer's insurance.* For cardholders who rent automobiles outside their country of residence, coverage is primary with reimbursement for eligible expenses within the cardholder's country of residence. Coverage is secondary to any other valid or collectible insurance from any other source.

Covered costs include:

  • Physical damage and theft of the covered rental vehicle
  • Valid loss-of-use charges imposed and substantiated by the rental company
  • Reasonable and customary towing charges, due to a covered loss, to the nearest qualified repair facility

ARCDW provides automatic protection when your covered cardholder declines the comparable coverage from the rental company and pays for the rental with a covered card. The cardholder and all those permitted by the rental contract as additional drivers are covered. The program will cover rentals up to 15 days within the United States and up to 31 days outside the United States. * Excluded countries include Ireland, Northern Ireland, Israel, Jamaica, and other countries where precluded by law or in violation of the territory terms of the rental agreement. Other restrictions, limitations, and exclusions may apply.

Concierge and Speciality Services

Titanium cardholders now have access to even more Concierge and Specialty services, like:

  • Restaurant & Hotel Information, plus referrals and reservations
  • Travel Information and assistance
  • Mapping and information services
  • Car rental, car services, and limousine referrals and reservations
  • Health club information
  • Reservations and ticketing for sports/entertainment events
  • Business Services Arrangements
  • Gift Arrangements & Specialty Services

How This Enhancement Program Works

Titanium cardholders can call 1.800.895-8518 to speak directly with a Visa Concierge expert. The VISA expert will be able to expedite your request and help you make arrangements as needed.

Emergency Card Replacement

This service provides emergency card replacements to Visa cardholders who are in need of a replacement card (for example if their Visa card has been lost, damaged, or stolen) and are traveling domestically or internationally. A fee will apply.

How This Enhancement Program Works

The Emergency Card Replacement service is easily accessible by phone to Visa cardholders calling from anywhere in the world, any time of the day. When contacted by you, the cardholder, the Visa Global Customer Care Services (GCCS) associates collect basic information (including security information) from the cardholder for their emergency service request. The Visa GCCS associate then contacts the issuer for authorization, or if necessary provides stand-in emergency card authorization (GCAS-STIP) using Visa guidelines and issuer provided pre-activated card numbers. The emergency card is then delivered via a sophisticated Global Distribution Network of courier/card embossing hubs and emergency service locations.

Emergency Cash Replacement

This service provides emergency cash disbursements, usually within hours, to Visa cardholders who are in need of cash (for example if their Visa card has been lost, damaged, or stolen) and are traveling domestically or internationally.

How This Enhancement Program Works

The Emergency Cash Disbursement service is easily accessible by phone to Visa cardholders calling from anywhere in the world, any time of the day. When contacted by a cardholder, the Visa Global Customer Care Services (GCCS) associates collect basic information (including security information) from the cardholder for their emergency service request. The Visa GCCS associate then contacts the issuer for authorization, or if necessary provides stand-in emergency cash authorization (GCAS-STIP) using Visa guidelines and issuer provided pre-activated card numbers. The emergency cash is then provided via emergency service or cash disbursement locations.

Travel Emergency Assistance (TEA)

Encountering an emergency situation away from home can be a frightening experience. That's why Visa has created a 24-hour assistance center for covered cardholders. TEAS covers eligible Visa cardholders (including their spouses and dependent children 22 years of age or under who are traveling with them).

How This Enhancement Program Works

TEAS is available by calling a dedicated toll-free number in the United States, or through a collect telephone number when traveling abroad, 24 hours a day, 7 days a week. Note: This program provides assistance only. Cardholders are responsible for the cost of any services received.

The following services are offered:

  • Pre-Trip Assistance provides information about health precautions, weather reports, currency exchange rates,visas, and immunizations.
  • Medical Referral Assistance provides medical referral, monitoring, and follow-up.
  • Emergency Transportation Assistance arranges for transportation under medical supervision.
  • Emergency Message Service can relay emergency messages for travelers and is available 24 hours a day.
  • Prescription Assistance and Valuable Document Delivery Arrangements can accommodate unexpected prescription needs or transport critical documents, which may have been left at home or elsewhere.
  • Legal Referral Assistance can arrange contact with English-speaking attorneys, U.S. embassies and consulates, bail-bond assistance, cash advances, and follow-up assistance.
  • Emergency Ticket Replacement arranges for the replacement and delivery of new tickets, and assists with ticket reimbursement procedures.
  • Lost Luggage Locator Service arranges cash advances required due to lost luggage, and assistance with obtaining applicable insurance payments when the carrier is unable to locate lost items.
  • Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available.

TEAS provides assistance and referral only; cardholders are responsible for the cost of any actual medical, legal, cash advance, or other service used.