©2019 Bank of America Corporation. General disclaimer for Bank of America.
Dependent Child means the Insured Person’s unmarried child from the moment of birth, including a
natural child, grandchild, stepchild or adopted child from the date of placement with the Insured Person.
The Dependent Child must be primarily dependent upon such Insured Person for maintenance and
support, and must be under the age of {twenty-six (26)} or classified as an Incapacitated Dependent Child.
Domestic Partner means a person designated by you who is registered as a Domestic Partner or legal
equivalent under the laws of the governing jurisdiction or who is at least eighteen (18) years of age and
competent to enter into a contract; is not related to you by blood; has exclusively lived with you for at
least twelve (12) consecutive months prior to the date of enrollment; is not legally married or separated
and as of the date of enrollment has with you at least two (2) of the following financial arrangements: a
joint mortgage or lease, a joint bank account, joint title to or ownership of a motor vehicle or status as a
joint lessee on a motor vehicle lease or a joint credit card account with a financial institution. Neither you
nor the Domestic Partner can be married to, nor in a civil union with, anyone else.
Incapacitated Dependent Child means any person who, as a result of being mentally or physically
challenged, is permanently incapable of self-support and permanently dependent on the Insured Person
for support and maintenance, as evidenced by United States income tax returns showing such person as
dependent.
Recreational Equipment means any equipment that is used to engage in a particular sport, hobby, game,
excursion, or other recreational activity; and for which you have the requisite license or permit to own or
operate if a license or permit is required.
Rewards means points, miles, cash Rewards, or any other type of redeemable Rewards, as well as any
redeposit fees charged by a Rewards administrator, provided that all Rewards have been accumulated by
the Cardholder through use of a Rewards program sponsored by Bank of America.
Scheduled Departure Date means the date on which you are originally scheduled to leave on the Trip.
Scheduled Return Date means
the date on which you are originally scheduled to return to the point of origin
or to a different final destination.
Spouse means your husband or wife who is recognized as such by the laws of the jurisdiction in which you
reside. Spouse includes Domestic Partners or Covered Persons joined by Civil Unions where applicable by
law.
Travel Supplier means a Cruise Line, or airline, or railroad or other Common Carrier.
Trip means travel booked through a Travel Supplier when some portion of the fare for such
transportation has been charged to the Cardholder’s Account or has been paid for with redeemable
Rewards that were accumulated by the Cardholder from a Rewards program sponsored by Bank of
America. Trip must occur while the insurance is in-force.
We, Us and Our means Federal Insurance Company.