Buyer Protection & Extended Warranty

Automatic Protection When You Use your Me-Dian Credit Union MEMBER CARD® Debit Card!

You come home after a day of shopping for that perfect birthday gift – dealing with long line ups and parking lots that go on forever – only to drop it on the floor while wrapping it.

Don’t Panic!  We’ve got you covered when you use your Me-Dian Credit Union MEMBER CARD® Debit Card to make a purchase.  And best of all, there are no applications and no extra cost!

How does the program work?

It’s simple. When you use your Me-Dian Credit Union MEMBER CARD® Debit Card for a purchase, you’re protected with the following benefits:

Buyer Protection

This coverage offers protection on the purchase of most retail items – and that includes gifts!  For a full 120 days after the purchase, the item is protected if it’s stolen, dropped and broken or even consumed in a fire.  Valid claims will be satisfied either by replacing the stolen or damaged item, or by a cash payment in an amount not to exceed the amount of the total purchase price.

Extended Warranty

The Program doubles the warranty period of a purchased item up to two years, as long as the manufacturer’s warranty is valid in Canada for five years or less. For example, when you purchase a blender, the manufacturer would typically offer a one-year warranty. But if you use your Me-Dian Credit Union MEMBER CARD® Debit Card for the purchase, the blender would be protected under the terms of the original warranty for an additional one year period.

Best of all, there are no applications and no extra costs! It’s all included with you Me-Dian Credit Union MEMBER CARD®.

Buyer Protection and Extended Warranty Details

  • Buyer Protection coverage is a full 120 days from date of purchase
  • Personal and home-based business purchases are protected
  • Coverage is up to $60,000 lifetime
  • Gifts included
  • Any credit union debit card holder is covered
  • Includes worldwide purchases, not just Canadian purchases
  • If you have a Me-Dian Credit Union MEMBER CARD® Debit Card, purchases made with a cheque drawn on your insured account are also protected

Are all types of purchases covered?

Many types of purchases are protected. Members have been reimbursed for items such as: jewelry, sun glasses, golf clubs, clothing, computer equipment, video games, cell phones, cameras, furniture, iPods, trampolines, toys, and more. Examples of items not covered include: cash, travelers cheques, motorized vehicles, animals, living plants, food and other perishables; also, sporting items lost or damaged through the normal course of use.  See Certificate of Coverage for more details.

Making a claim?

Be sure to always keep a copy of your transaction record, receipt, and (for warranty claims) the manufacturer’s warranty. Then, to make a claim, simply call 1 (800) 263-9120, ext. 605800 and a Claims Representative will assist you.

If you already have a Me-Dian Credit Union MEMBER CARD® Debit Card, you’re covered.  If you don’t have one, CALL US TODAY TO FIND OUT WHAT YOU’RE MISSING.