AwardGuard Questions:
Are there any limits to my AwardGuard protection?
Will AwardGuard protect miles and points in all
my programs?

AwardExtender Questions:
Are there any limits if I belong to both programs?

A: AwardGuard maintains a one-time $7,500 award liability if one or more programs go completely out of business in a given membership year. This means that when a covered program goes completely out of business, we can purchase up to $7,500 of award replacements. We must receive all documents, statements, awards and tickets within the first 30 days of a covered program going out of business. When you wish to use those miles and/or points for a trip, we will purchase the required accommodations in accordance with the rules, regulations and blackout dates the covered program had in effect at the time it went out of business, however, we may impose additional fees. This $7,500 is a fixed-limit liability and cannot be exceeded, regardless of the number of years that an AwardGuard account is maintained or the number of programs that go out of business in a given membership year. The coverage will expire when you have used up all your miles and/or points, or we have spent $7,500 in replacement value, whichever comes first. You must keep your membership active in order to make claims against your banked miles and/or points.

A: Yes, one AwardGuard membership will protect all the programs that we cover. If one or more covered programs go out of business during your membership year, you may claim up to $7,500 in award replacements. For example, Program "A" goes out of business and your total amount of award replacements comes to $6,000. Then, in the same membership year, Program "B" goes out of business. You would still be able to claim up to $1,500 in award replacements for Program "B." If, on the other hand, Program "A" goes out of business during one membership year and Program "B" goes out of business in another membership year, you can claim up to $7,500 in award replacements for both programs for a total of $15,000 in coverage. You must keep your membership active in order to make claims against your banked miles and/or points.

A: There is a $7,500 aggregate award liability on all memberships (excluding the $500,000 accidental death protection) and on AwardExtender there is also a 200,000-mile annual limit. This means that during any one membership year, we can replace awards for either an AwardGuard or AwardExtender claim up to, but not exceeding, the amount of $7,500. You may not put in more than 200,000 miles in claims for AwardExtender during one membership year.

The $7,500 is reinstated for AwardExtender each membership year but cannot be carried over into the next membership year to gain a higher award liability. Once you have claimed $7,500 during one membership year, we will be unable to fulfill any more claims that year. If you renew your AwardExtender membership, you will have another $7,500 in award liability for any future claims, but that amount may not be applied to a claim you have already requested prior to renewing.

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