Your Membership. Your Savings.
Get access to high-value benefits designed to save you time, money, and stress.
Elite Benefit Amount: $1,000 | Premium Benefit Amount: $5,000
If you suffer an accident that results in a covered loss while riding in, entering, exiting, or operating a land or water vehicle (excluding when operating a vehicle for commercial hire), a benefit may be payable based on the type of loss experienced.
Benefit Schedule
| Covered Loss | Percentage of Benefit |
|---|---|
| Loss of Life | 100% |
| Loss of both hands or feet or sight of both eyes 100% or a combination of any two of loss of hand, loss of foot or loss of sight of one eye | 100% |
| Loss of one hand or one foot or sight of one eye and loss of speech | 100% |
| Loss of one hand or one foot or sight of one eye and loss of hearing | 100% |
| Loss of speech and hearing | 100% |
| Loss of one hand or one foot or sight of one eye | 50% |
| Loss of speech or hearing | 50% |
| Loss of thumb and index finger of the same hand | 25% |
Key Definitions
- Loss of Hand: Complete severance of required fingers above designated joints
- Loss of Foot: Complete severance through or above the ankle joint
- Loss of Sight: Permanent loss of vision to 20/200 or worse with corrective aid
- Loss of Speech: Permanent inability to speak without mechanical assistance
- Loss of Hearing: Permanent bilateral deafness beyond correctable levels
- Loss of Thumb and Index Finger: Complete severance through required joints
- Severance: Complete separation and dismemberment of a body part
If reattachment is attempted but ultimately unsuccessful, no additional benefit is payable for a subsequent amputation of the same loss.
Travel Protection
As a member, you receive the following valuable benefits and services designed to keep you protected while traveling:
Theft and Hit & Run Protection
Provides up to $500 for information leading to the arrest and conviction of a person responsible for the theft of your covered vehicle or for hit-and-run damage to your covered vehicle.
Lost Luggage Protection
If your baggage is lost by a transportation carrier, assistance is provided to help ensure a fair and timely resolution of your claim.
Emergency Cash Protection
If your cash or credit cards are stolen while traveling 250 miles or more from home, you may receive a cash loan of up to $100 to cover immediate needs. The theft must be reported to local authorities, and documentation is required.
Emergency Travel Expense Reimbursement
If your covered vehicle is disabled due to a traffic accident 250 miles or more from home, you may be reimbursed for emergency living expenses of up to $50 per day for three days while repairs are being made.