Lost or Damaged Luggage*

Protection While You Travel | That's Banking With MomentumUse your First Midwest Debit MasterCard to purchase your ticket and your coverage is automatic and free

Travel with peace of mind, knowing that when you purchase your ticket with your First Midwest Debit MasterCard®, your luggage is covered against loss or damage. It’s just one more reason that your First Midwest Debit MasterCard is your best travel companion.

Exercise Your Benefits

MasterCard is ready to help 24/7. Call 1-800-MC-ASSIST
(1-800-622-7747) to start the claim process within 60 days of the incident.

How To Get Coverage

You must pay the entire cost of the common carrier ticket(s) with your covered card and/or accumulated points from your covered card.

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How To File A Claim

  • Call the 1-800-MC-ASSIST to request a claim form. You must report the claim within sixty (60) days of the incident or the claim may not be honored.
  • Report within twenty-four (24) hours any loss or damage to the common carrier.
  • Submit the following documentation within one hundred and eighty (180) days of the date of incident or the claim may not be honored:
    • Completed and signed claim form.
    • Receipt showing the purchase of common carrier tickets.
    • Statement showing the purchase of common carrier tickets.
    • Copy of initial claim report submitted to the common carrier.
    • Covered card travel point program statement showing the common carrier ticket was paid for with redeemed points.
    • Report from police, if applicable.
    • The result of any settlement by the common carrier.
    • Receipts showing that your luggage or personal property has actually been repaired or replaced.
    • Any other documentation that may be reasonably requested by us or our designated representative to validate a claim.

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Coverage Details

  • Reimbursement for the actual cost of repairing or replacing your checked or carry-on baggage and personal property contained therein that is lost or damaged.
  • Coverage begins when the baggage is checked in or carried on to the common carrier by you. This includes curbside check in with facility-designated personnel. Coverage ends each time you regain possession of the checked baggage from, or carry the luggage off of the common carrier or twenty-four (24) hours after you depart from the common carrier, whichever comes first.
  • Coverage is secondary to any other applicable insurance or coverage available to you including benefits provided by the common carrier (including, but not limited to, goodwill payments, refunds, credit/vouchers). Coverage is limited to only those amounts not covered by any other insurance or coverage, or common carrier benefits (including, but not limited to, goodwill payments, refunds, credit/vouchers).

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