What does the insurance on my Bank of America Customized Cash Rewards card actually cover?

The Travel Accident Insurance activates automatically when you pay the entire Common Carrier fare (flight, train, or cruise ticket) with your Bank of America Customized Cash Rewards card. For the Auto Rental CDW, pay the full rental with the card and decline the rental agency's CDW at the counter. No pre-registration is required. Purchase Security and Extended Warranty activate automatically on eligible purchases made with the card. There is no trip cancellation, trip delay, or emergency medical benefit to activate on this card.

Travel Accident Insurance covers the primary cardholder when the entire Common Carrier fare is charged to the card. Auto Rental CDW covers the cardholder as the primary renter and any additional authorized drivers listed on the rental agreement. Purchase Security and Extended Warranty cover the primary cardholder on eligible purchases. Travel and Emergency Assistance Services are available to you and your immediate family members traveling with you. Since this card includes no trip cancellation or emergency medical benefits, there are no covered travelers for those benefits.

At the rental counter, decline the agency's collision damage waiver (CDW or LDW), then pay the full rental with your Bank of America Customized Cash Rewards card. Coverage activates for collision and theft up to the vehicle's Actual Cash Value. In the United States, coverage is secondary: your personal auto insurance files first. The card then covers any remaining balance your insurer does not pay. Outside the US, Visa Signature CDW may apply as primary coverage. Notify the Benefit Administrator at 1-800-508-1276 within 45 days of any incident.

Call the Benefit Administrator at 1-800-508-1276 (US) or collect 1-804-673-6498 (international). Notification deadlines: CDW within 45 days, Travel Accident within 20 days, Purchase Security within 60 days, Extended Warranty within 60 days of product failure. Keep all receipts, rental agreements, and billing statements. For theft claims, file a police report within 48 hours. Submit all documentation within 90 to 365 days depending on the benefit. File the day the incident happens, not when you get home.

The Customized Cash Rewards does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, emergency evacuation, baggage delay, or lost luggage reimbursement. Purchase Security is capped at $500 per claim (not enough to cover most laptops or high-value electronics). There is no cell phone protection, no return protection, and no identity theft financial reimbursement. For international travel, you have no medical or evacuation coverage — a separate travel insurance policy is essential for any significant international trip.

No. The Bank of America Customized Cash Rewards does not include emergency medical coverage abroad. Travel and Emergency Assistance Services provides 24/7 referrals to local doctors and hospitals, but it does not pay for any medical costs. Every hospital bill abroad is entirely the cardholder's responsibility. A single emergency room visit in Europe or Japan can cost $10,000 to $80,000. If you travel internationally, purchase a separate travel medical insurance policy covering at least $100,000 per person.

No. The Customized Cash Rewards has no emergency medical coverage, no emergency evacuation, no trip cancellation, no trip delay, and no lost luggage benefit. Travel Accident Insurance ($500,000 on Common Carrier) is the only travel protection. For any international trip, a standalone travel insurance policy is necessary. Annual multi-trip travel plans start around $100 to $200 per year for healthy adults.

Yes. Extended Warranty Protection adds one additional year to eligible warranties of three years or less. The cap is $10,000 per item and $50,000 per account per year. The item must have a valid original U.S. manufacturer's warranty, and you must have purchased it with your Bank of America Customized Cash Rewards card. Call the Benefit Administrator at 1-800-508-1276 within 60 days of product failure and submit your claim form within 90 days.

Yes, but with a low cap. Purchase Security covers theft or accidental damage within 90 days of purchase, up to $500 per claim and $50,000 per year. Coverage is secondary to any other applicable insurance. For theft, file a police report within 48 hours. For damage, keep the damaged item until the claim is resolved. Mysterious disappearance, jewelry, vehicles, and collectibles are excluded. Notify the Benefit Administrator at 1-800-508-1276 within 60 days of the loss.