HCU Credit Card Benefits
All of HCU's credit cards deliver value beyond points and rewards. Cardholders have access to perks like Porch Piracy Protection, Lost Luggage Reimbursement, Travel and Emergency Assistance Services and more. It’s the Heartland Way.
Trip Cancellation and Trip Interruption
Your flights are booked, you confirmed your hotel reservation, and you booked a rental car. But what if you have to cancel your trip because of the death of an immediate family member? Or what if the airline declares bankruptcy? Fortunately, Trip Cancellation and Interruption benefits can pay up to $2,000 per insured person if these unforeseen circumstances disrupt your travel plans.
Lost Luggage Reimbursement
Have you ever been waiting for your luggage to come around the belt only to find that it has been lost by the airline? With Lost Luggage Reimbursement, you can be reimbursed for the difference between the “value of the amount claimed” and the Common Carrier’s payment up to $3,000 per covered trip.
or call collect outside the U.S. at 1-804-673-6496
Travel and Emergency Services
Emergencies can escalate quickly when you are traveling. Something relatively straightforward, like replacing prescription medication, can be difficult when you are dealing with an unfamiliar location and language barriers. We’ll connect you with the help you need. Maybe it’s navigating local laws or connecting you with the right resources.
Claims: 1-800-992-6029. If You are outside the United States, call collect at 1-804-673-1675
Auto Rental Collision Damage Waiver
Rest easy knowing you have an extra layer of protection while exploring new destinations in your rental car. With the Auto Collision Damages Waiver, you can be covered for damages caused by theft or collision—up to the Actual Cash Value of most rented cars.
Claims: 1-800-348-8472. Outside the United States, call collect at 1-804-673-1164
Extended Warranty Protection
Extended Warranty Protection provides you with valuable features that help you manage, use, and extend the warranties for eligible items purchased on your covered account up to one year.
Claims: 1-800-551-8472 or call collect outside the U.S. at 1-303-967-1096. You can also register Your purchase online at www.cardbenefitservices.com.
Porch Piracy Protection
Don’t let package thieves ruin your online shopping experience. Porch Piracy Protection safeguards your purchases. Items bought with your eligible HCU credit card may be covered up to a maximum of $10,000.
Claims: Call the Benefit Administrator at 1-800-628-8472 within sixty (60) days of the theft (if You wait longer, coverage may be denied).