Baggage & Personal Items Loss

We will reimburse you, less any amount paid or payable from any Other Valid and Collectible Insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Covered Trip. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

We may take all or part of damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) Repair or replace any part to restore the pair or set to its value before the loss; or 2) Pay the difference between the value of the property before and after the loss.

Continuation of Coverage
If the covered Baggage, passports or visas are in the custody of a Common Carrier, and delivery is delayed, this coverage will continue until the property is delivered to you. This continuation of coverage does not include loss caused by or resulting from the delay.

Items Not Covered
We will not pay for damage to or loss of: animals; property used in trade, business or for the production of income; household furniture; musical instruments; brittle or fragile articles; sporting equipment if the loss results from the use thereof; boats; motors; motorcycles; motor vehicles; aircraft; other conveyances or equipment, or parts for such conveyances; artificial limbs or other prosthetic devices; artificial teeth; dental bridges; dentures; dental braces; retainers or other orthodontic devices; hearing aids; any type of eyeglasses, sunglasses or contact lenses; documents or tickets, except for administrative fees required to reissue tickets; money; stamps; stocks and bonds; postal or money orders; securities; accounts; bills; deeds; food stamps; credit cards, except as noted above; property shipped as freight or shipped prior to the Scheduled Departure Date; or contraband.

Losses Not Covered
We will not pay for loss arising from: defective materials or craftsmanship; or normal wear and tear, gradual deterioration, inherent vice; or rodents, animals, insects or vermin; or mysterious disappearance; or electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Your Duties in the Event of a Loss
In case of loss, theft or damage to Baggage and personal effects, you should: 1) Immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) Take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage.

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.

Items Subject to Special Limitations
We will not pay more than $500 on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in par t of silver, gold, or platinum; cameras, camera equipment; computer, digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.

Valuation and Payment of Loss:
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Not Covered
We will not pay for damage to or loss of: animals; property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof; boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; documents or tickets, except for administrative fees required to reissue tickets; money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above; property shipped as freight or shipped prior to the Scheduled Departure Date; contraband.

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.

Items Subject to Special Limitations
We will not pay more than $500 on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in par t of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.

Baggage/Personal Effects:
The Insurer will reimburse You up to the maximum shown on the Schedule of Coverages and Services for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: Actual Cash Value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. Per article, there is a limit of $250. There will also be a combined maximum limit of $500 for the following: jewelry; watches and cameras including related equipment; articles consisting in whole or in part of silver, gold, or platinum; furs and articles trimmed with or made mostly of fur. The Insurer will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. The Insurer will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

We will pay this benefit up to the Maximum Benefit shown on the Certificate Schedule for damage to or loss or theft of the Insured Persons Baggage on a Covered Trip, in the event that the Insured Persons checked or stored Baggage is stored with a hotel or motel in which the Insured Person is registered as a guest. We may choose to replace, repair, or pay for the loss after making allowances for depreciation and wear and tear.

There are special limits of liability for some specific personal possessions. These limits do not increase the Insureds total benefits under this coverage. We will not pay more than $500 for the first item of Baggage and, thereafter not more than $250 per item of Baggage up to the Maximum Benefit shown on the Certificate Schedule.

We will not pay for damage to or loss of:
(a) animals;

(b) property used in trade, business or for the production of income;

(c) motor vehicles, aircraft, and other conveyances or equipment or parts pertaining to such conveyances;

(d) artificial limbs, false teeth, any type of eyeglasses or contact lenses;

(e) tickets, except for administrative fees required to reissue tickets;

(f) money, stamps, stocks and bonds, postal or money orders;

(g) property shipped as freight, or shipped prior to the Departure Date; (h) credit cards; (i) contraband; and (j) hearing aids.

We will not pay this benefit for loss due to:

(a) defective materials or craftsmanship; (b) normal wear and tear;

(c) deterioration; or

(d) rodents, animals or insects.

We will pay the cost of repair or replacement of the damaged Baggage less depreciation. We may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of items, We may at Our option:

(a) repair or replace any part to restore the pair or set to its value before the loss; or

(b) pay the difference between the value of the property before and after the loss.

This coverage does not include loss caused by Baggage delay.

Valuation and Payment of Loss:
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations
We will not pay more than $500 on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in par t of silver, gold, or platinum; cameras, camera equipment; computer, digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.

Baggage/Personal Effects: The Insurer will reimburse You up to the maximum shown on the Schedule of Coverage and Services for loss, theft, or damage to Baggage and personal effects. The Insurer will pay the lesser of the following: Actual Cash Value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. There is a limit of $250 per article. There will also be a combined maximum limit of $500 for the following: jewelry; watches and cameras, including related equipment; articles consisting in whole or in part of silver, gold, or platinum; furs and articles trimmed with or made mostly of fur. The Insurer will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. The Insurer will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

The following exclusions apply to Baggage/Personal Effects Coverage only in Part B:
Any loss or damage to: animals; automobiles and their equipment; boats; trailers, motors; motorcycles; other conveyances and their equipment (except bicycles while checked as Baggage with a Common Carrier); eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; keys, money, securities, and documents; tickets. Any loss caused by or resulting from: Wear and tear, gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; and property shipped as freight or shipped prior to the Scheduled Departure Date.

Baggage/Personal Effects: The Insurer will reimburse You up to the maximum shown on the Schedule of Coverage and Services for loss, theft, or damage to Baggage and personal effects. The Insurer will pay the lesser of the following: Actual Cash Value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. There is a limit of $250 per article. There will also be a combined maximum limit of $500 for the following: jewelry; watches and cameras, including related equipment; articles consisting in whole or in part of silver, gold, or platinum; furs and articles trimmed with or made mostly of fur. The Insurer will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. The Insurer will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

The following exclusions apply to Baggage/Personal Effects Coverage only in Part B:
Any loss or damage to: animals; automobiles and their equipment; boats; trailers, motors; motorcycles; other conveyances and their equipment (except bicycles while checked as Baggage with a Common Carrier); eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; keys, money, securities, and documents; tickets. Any loss caused by or resulting from: Wear and tear, gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; and property shipped as freight or shipped prior to the Scheduled Departure Date.

BAGGAGE AND PERSONAL EFFECTS

You are covered up to the Maximum Benefit Amount for lost, stolen, or damaged baggage or personal items with a maximum reimbursement of up to $300 per article. A combined maximum of $600 will be paid for jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, articles trimmed with fur, cameras and their accessories and related equipment. In addition, the following reimbursements will apply: 1) lost or stolen passport or visa ($50 maximum); 2) lost or stolen credit cards ($50 maximum for the cost associated with unauthorized use subject to verification that You have complied with all conditions of the credit card company).

The Insurer will reimburse this benefit, up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage, passports and visas during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.

Property Not Covered: The Insurer will not pay for damage or loss of: (a) animals; (b) bicycles (except when checked with a Common Carrier); (c) motor vehicles, aircraft, and other conveyances; (d) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids; (e) keys, tickets, money, currency, postal and money orders, notes, securities, stocks and bonds, accounts, bills, deeds, or other evidences of debt, stamps, food stamps credit cards (except as noted above), and other travel documents (except passports and visas); (f) property used in trade, business or for the production of income. (g) property shipped as freight, or shipped prior to the Contracted Departure Date; or (h) contraband.

Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter no more than $250 per item up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices. Items over $150 must be accompanied by original receipts. If receipts are not provided, benefits will be reduced.

Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this loss caused by or as a result of : (a) defective materials or craftsmanship; (b) normal wear and tear; (c) deterioration; or (d) rodents, animals, or insects.

Requirements in the Event of a Loss: The Insured must: (a) report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged Baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured’s credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Benefits for Baggage and Personal Effects will be the excess of any amount paid or payable by a Common Carrier or other third party responsible for the loss.

The Insurer will reimburse this benefit, up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage, passports and visas during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.

Property Not Covered: The Insurer will not pay for damage or loss of: (a) animals; (b) bicycles (except when checked with a Common Carrier); (c) motor vehicles, aircraft, and other conveyances; (d) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids; (e) keys, tickets, money, currency, postal and money orders, notes, securities, stocks and bonds, accounts, bills, deeds, or other evidences of debt, stamps, food stamps credit cards (except as noted above), and other travel documents (except passports and visas); (f) property used in trade, business or for the production of income. (g) property shipped as freight, or shipped prior to the Contracted Departure Date; or (h) contraband.

Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter no more than $250 per item up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices. Items over $150 must be accompanied by original receipts. If receipts are not provided, benefits will be reduced.

Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this loss caused by or as a result of : (a) defective materials or craftsmanship; (b) normal wear and tear; (c) deterioration; or (d) rodents, animals, or insects.

Requirements in the Event of a Loss: The Insured must: (a) report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged Baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured’s credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Benefits for Baggage and Personal Effects will be the excess of any amount paid or payable by a Common Carrier or other third party responsible for the loss.

PART A DEFINITIONS
Baggage and Personal Effects means luggage, personal possessions and travel documents taken by an Insured during a Covered Trip. The term Baggage and Personal Effects does not include:

1. animals;
2. automobiles and automobile equipment;
3. boats or other vehicles or conveyances;
4. trailers;
5. motors;
6. aircraft;
7. bicycles, except when checked as baggage with a Common Carrier;
8. household effects and furnishings;
9. antiques and collectors items;
10. sunglasses, contact lenses, artificial teeth, dental bridges or hearing aids;
11. prosthetic limbs;
12. prescribed medications;
13. keys, money, credit cards (except as coverage is otherwise specifically provided herein),
14. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
15. professional or occupational equipment or property, whether or not electronic business equipment; or;
16. telephones, computer hardware or software.;

PART B BENEFITS
For Baggage and Personal Effects: Coverage will be provided to an Insured: (a) against all risks of permanent loss, theft or damage to baggage and personal effects; (b) subject to all Exclusions and Limitations in the policy; (c) up to the Maximum Benefit Amount; and (d) occurring while this coverage is in force.

The lesser of the following amounts will be paid:
a. the Actual Cash Value at the time of loss, theft or damage;

b. the cost to repair or replace the article with material of a like kind and quality; or

c. $300 per article.

A combined maximum of $600 will be paid for jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, articles trimmed with fur, cameras and their accessories and related equipment.

A maximum of $100 will be paid for the cost of replacing a passport or visa.

A maximum of $100 will be paid for the cost associated with the unauthorized use of lost or stolen credit cards, subject to verification that the Insured has complied with all conditions of the credit card company.

PART C CONDITIONS
Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

ADDITIONAL LIMITATIONS AND EXCLUSIONS SPECIFIC TO BAGGAGE AND PERSONAL EFFECTS
Benefits are not payable for any loss caused by or resulting from:

1. breakage of brittle or fragile articles;
2. wear and tear or gradual deterioration;
3. confiscation or appropriation by order of any government or custom’s rule;
4. property illegally acquired, kept, stored or transported;
5. an Insured’s negligent acts or omissions; or
6. property shipped as freight or shipped prior to the Scheduled Departure Date.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO BAGGAGE
Insured’s duties after loss of or damage to property or delay of baggage: In case of loss, theft, damage or delay of Baggage and Personal Effects, and Insured must:

1. take all reasonable steps to protect, save or recover the property;
2. promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of an Insured’s property at the time of loss;
3. produce records needed to verify the claim and its amount, and permit copies to be made;
4. provide to the Company, within 90 days from the date of loss, a detailed proof of loss signed and sworn to; and
5. have Baggage and Personal Effects be examined, if requested.

Reductions in the amount of insurance: The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid for any loss or damage under this coverage for this Covered Trip.

No benefit to bailee: This insurance shall not benefit any Common Carrier or bailee.

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for Loss, theft or damage to baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You during the Covered Trip.

This coverage is secondary to any coverage provided by a Common Carrier.

There will be a per article limit of $300.

There will be a combined maximum limit of $600 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; personal computers, cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

(a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects, less depreciation as determined by the Company; or (b) the cost of repair or replacement.

EXTENSION OF COVERAGE: If You checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

LIMITATIONS AND EXCLUSIONS
The following exclusions apply to Baggage/Personal Effects, Baggage Delay:
The Company will not provide benefi ts for any Loss or damage to:

1. Animals;
2. Automobiles and automobile equipment;
3. Boats or other vehicles or conveyances;
4. Trailers;
5. Motors;
6. Motorcycles;
7. Aircraft;
8. Bicycles (except when checked as baggage with a Common Carrier);
9. Household effects and furnishing;
10. Antiques and collectors’ items;
11. Eyeglasses, sunglasses or contact lenses;
12. Artifi cial teeth and dental bridges;
13. Hearing aids;
14. Prosthetic limbs;
15. Prescribed medications;
16. Keys, money, stamps, securities and documents;
17. Tickets;
18. Credit cards;
19. Professional or occupational equipment or property, whether or not electronic business equipment;
20. Personal computers, telephones, computer hardware or software;
21. Sporting equipment if Loss or damage results from the use thereof.

1. Breakage of brittle or fragile articles;
2. Wear and tear or gradual deterioration;
3. Insects or vermin;
4. Inherent vice or damage while the article is actually being worked upon or processed;
5. Confi scation or expropriation by order of any government;
6. War or any act of war whether declared or not;
7. Theft or pilferage while left unattended in any vehicle;
8. Mysterious disappearance;
9. Property illegally acquired, kept, stored or transported;
10. Insurrection or rebellion;
11. Imprudent action or omission;
12. Property shipped as freight or shipped prior to the Scheduled Departure Date.

BAGGAGE/PERSONAL EFFECTS
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for Loss, theft or damage to baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You during the Covered Trip.

This coverage is secondary to any coverage provided by a Common Carrier.

There will be a per article limit of $300.

There will be a combined maximum limit of $600 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; personal computers, cameras and their accessories and related equipment.

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to Baggage/Personal Effects, Baggage Delay:
The Company will not provide benefi ts for any Loss or damage to:

1. Animals;
2. Automobiles and automobile equipment;
3. Boats or other vehicles or conveyances;
4. Trailers;
5. Motors;
6. . Motorcycles;
7. Aircraft;
8. Bicycles (except when checked as baggage with a Common Carrier);
9. Household effects and furnishing;
10. Antiques and collectors’ items;
11. Eyeglasses, sunglasses or contact lenses;
12. Artifi cial teeth and dental bridges;
13. Hearing aids;
14. Prosthetic limbs;
15. Prescribed medications;
16. Keys, money, stamps, securities and documents;
17. Tickets;
18. Credit cards;
19. Professional or occupational equipment or property, whether or not electronic business equipment;
20. Personal computers, telephones, computer hardware or software;
21. Sporting equipment if Loss or damage results from the use thereof.

1. Breakage of brittle or fragile articles;
2. Wear and tear or gradual deterioration;
3. Insects or vermin;
4. Inherent vice or damage while the article is actually being worked upon or processed;
5. Confiscation or expropriation by order of any government;
6. War or any act of war whether declared or not;
7. Theft or pilferage while left unattended in any vehicle;
8. Mysterious disappearance;
9. Property illegally acquired, kept, stored or transported;
10. Insurrection or rebellion;
11. Imprudent action or omission;
12. Property shipped as freight or shipped prior to the Scheduled Departure Date.

This Benefit is not available within this plan

Baggage/Personal Effects: The Insurer will reimburse You up to the maximum shown on the Schedule of Coverage and Services subject to any deductible (not applicable if Umbrella Package purchased) for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: Actual Cash Value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. Per article, there is a limit of $250. There will also be a combined maximum limit of $500 for the following: jewelry; watches and cameras including related equipment; articles consisting in whole or in part of silver, gold, or platinum; furs and articles trimmed with or made mostly of fur.
The Insurer will reimburse You for fees associated with the replacement of Your passport during Your trip. Receipts are required for reimbursement.

Coverage is secondary to any coverage provided by a Common Carrier and all other valid and collectible insurance indemnity and shall apply only when such other benefits are exhausted.

Valuation and Payment of Loss:
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations
We will not pay more than $500 on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in par t of silver, gold, or platinum; cameras, camera equipment; computer, digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.

Baggage and Personal Possessions
Subject to the limitations stated below, We will pay up to the maximum benefit shown on the Schedule of Benefits for damage to or loss or theft of Your checked or stored Baggage on a Covered Trip when such Baggage is lost or dam- aged by a Common Carrier or stored with a hotel or motel in which You are registered as a guest. The following limitations will apply:

1. We will not pay for damage to or loss of or theft of Baggage which has been paid by a Common Carrier, hotel, Travel Supplier, or is otherwise payable under any other insurance.
2. We will pay no more than $500 for the first item of Baggage and, thereafter, no more than $250 per item of Baggage up to the maximum benefit shown on the Schedule of Benefits.
3. We will not pay for damage to or loss of:
   • a) Animals;
   • b) Property used in trade, business or for the production of income;
   • c) Motor vehicles, aircraft, and other conveyances or equipment or parts pertaining to such conveyances;
   • d) Artificial limbs, false teeth, any type of eyeglasses or contact lenses;
   • e) Tickets, except for administrative fees required to reissue tickets;
   • f) Money, stamps, stocks and bonds, postal or money orders;
   • g) Property shipped as freight, or shipped prior to the Departure Date;
   • h) Credit cards;
   • i) Contraband; or
   • j) Hearing aids
4. 4. We will not pay for loss due to:
   • a) Defective materials or craftsmanship;
   • b) Normal wear and tear;
   • c) Deterioration; or
   • d) Rodents, animals or insects.

1. Immediately report the incident to the proper official or appropriate party;
2. Obtain a written report of the loss;
3. Take reasonable steps to protect the Baggage from further damage; and
4. Make necessary reasonable and temporary repairs to the Baggage.

The Insurer will reimburse the Insured, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below, for loss, theft or damage to the Insured’s Baggage, personal effects, passports, travel documents and visas during the Insured’s Trip.

Special Limitations:
The Insurer will not pay more than:

• $500 for the first item and
• thereafter, no more than $250 per each additional item
• $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, and other electronic devices, including but not limited to: portable personal computers, cellular phones, electronic organizers and portable CD players.

1. the cash value (original cash value less depreciation) as determined by the Insurer or,
2. the cost of replacement.

1. repair or replace any part to restore the pair or set to its value before the loss; or
2. pay the difference between the value of the property before and after the loss.

The following exclusions apply to Baggage/Personal Effects Loss:
Benefits will not be provided for any loss or damage to or resulting (in whole or in part) from:

• (a) animals, rodents, insects or vermin;
• (b) bicycles (except when checked with a Common Carrier);
• (c) motor vehicles, aircraft, boats, boat motors, ATV’s and other conveyances;
• (d) artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
• (e) tickets, keys, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, and other travel documents (except passports and visas);
• (f) money, stamps, stocks and bonds, postal or money orders;
• (g) property shipped as freight, or shipped prior to the Departure Date;
• (h) contraband, illegal transportation or trade;
• (i) items seized by any government, government official or customs official;
• (j) defective materials or craftsmanship;
• (k) normal wear and tear;
• (l) deterioration.

GOLF EQUIPMENT AND PERSONAL EFFECT LOSS
The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s Trip. Continuation of Coverage: If the Insured has checked his or her property with a Common Carrier, and delivery is delayed, coverage for Baggage and travel documents will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.
Property Not Covered: The Insurer will not pay for damage or loss of:

• (a) animals;
• (b) bicycles (except when checked with a Common Carrier);
• (c) motor vehicles and other conveyances;
• (d) prosthetic limbs, false teeth, any type of eyeglasses, sunglasses or contact lenses, hearing aids;
• (e) tickets, keys, money, notes or security accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, stocks and bonds, postal or money orders;
• (f) property shipped as freight, or shipped prior to the departure date; or
• (g) contraband, illegal transportation or trade.

Special Limitations: The Insurer will not pay more than $1,000 for the first item and thereafter, no more than $500 per item up to the Baggage and Personal Effects Loss Maximum Limit shown on the Schedule of Benefits. The Insurer also will not pay more than $500 aggregate on all losses of the following: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, and other electronic devices.

Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay for any loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) gradual deterioration; or (d) rodents, animals, vermin or insects.

Payment of Loss: The Insured must: (a) report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged Baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured’s credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Any items $150 or more must be accompanied by the original receipt.
Excess Insurance Limitation applies

The Insurer will reimburse the Insured, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below, for loss, theft or damage to the Insured’s Baggage, personal effects, passports, travel documents and visas during the Insured’s Trip after satisfaction of the Deductible shown in the Schedule.

Special Limitations:
The Insurer will not pay more than:
• $500 for the first item and
• thereafter, no more than $250 per each additional item
• $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, and other electronic devices, including but not limited to: portable personal computers, cellular phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. The Insurer will pay the lesser of:

1. the cash value (original cash value less depreciation) as determined by the Insurer or,
2. the cost of replacement.

The Insurer may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of items, the Insurer may at its option:

1. repair or replace any part to restore the pair or set to its value before the loss; or
2. pay the difference between the value of the property before and after the loss.

The following exclusions apply to Baggage/Personal Effects Loss: Benefits will not be provided for any loss or damage to or resulting (in whole or in part) from:

• (a) animals, rodents, insects or vermin;
• (b) bicycles (except when checked with a Common Carrier);
• (c) motor vehicles, aircraft, boats, boat motors, ATV’s and other conveyances;
• (d) artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
• (e) tickets, keys, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, and other travel documents (except passports and visas);
• (f) money, stamps, stocks and bonds, postal or money orders;
• (g) property shipped as freight, or shipped prior to the Departure Date;
• (h) contraband, illegal transportation or trade;
• (i) items seized by any government, government official or customs official;
• (j) defective materials or craftsmanship;
• (k) normal wear and tear;
• (l) deterioration.

The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits minus a $50 Deductible (Deductible does not apply if Umbrella Package is purchased) for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s Trip.

Continuation of Coverage: If the Insured has checked his or her property with a Common Carrier, and delivery is delayed, coverage for Baggage and travel documents will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.
Property Not Covered: The Insurer will not pay for damage or loss of:
(a) animals;
(b) bicycles (except when checked with a Common Carrier);
(c) motor vehicles and other conveyances;
(d) prosthetic limbs; false teeth; any type of eyeglasses, sunglasses or contact lenses; hearing aids;
(e) tickets, keys, money, notes or security accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, stocks and bonds, postal or money orders;
(g) property shipped as freight, or shipped prior to the departure date; or
(h) contraband, illegal transportation, or trade.

Special Limitations: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the Baggage and Personal Effects Loss Maximum Limit shown on the Schedule of Benefits. The Insurer also will not pay more than $500 aggregate on all losses of the following: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices. Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay for any loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) gradual deterioration; or (d) rodents, animals, vermin, or insects.

Payment of Loss: The Insured must: (a) report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged Baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured’s credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Any items $150 or more must be accompanied by the original receipt. Excess Insurance Limitation applies.

The Insurer will reimburse the Insured this Primary benefit, up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies
Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.
Property Not Covered:The Insurer will not pay for damage or loss of:
(a) animals;
(b) bicycles (except when checked with a Common Carrier);
(c) motor vehicles and other conveyances;
(d) prosthetic limbs, false teeth, any type of eyeglasses, sunglasses or contact lenses, hearing aids;
(e) tickets, keys, money, ,notes or security accounts, bills, currency, deeds, food stamps or other evidences of debt, stocks and bonds, postal or money orders;
(g) property shipped as freight, or shipped prior to the departure date; or
(h) contraband, illegal transportation or trade.

Special Limitations: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the Baggage and Personal Effects Loss Maximum Limit shown on the Schedule of Benefits. The Insurer also will not pay more than $500 aggregate on all losses of the following: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay for any loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) gradual deterioration; or (d) rodents, animals, vermin or insects..

Payment of Loss: The Insured must:
(a) report theft losses to police or other local authorities as soon as possible;
(b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage;
(c) allow the Insurer to examine the damaged Baggage and/or the Insurer may require the damaged item to be sent in the event of payment;
(d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or
(e) in the event of theft or unauthorized use of the Insured’s credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Any items $150 or more must be accompanied by the original receipt..

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for Loss, theft or damage to baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You during the Trip.

This coverage is secondary to any coverage provided by a Common Carrier.

There will be a per article limit of $300.

There will be a combined maximum limit of $1000 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment. Previously program summary had a $1,000 maximum for the above articles.

The Company will pay the lesser of the following:

• (a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects, less depreciation as determined by the Company; or
• (b) the cost of repair or replacement.

BAGGAGE AND PERSONAL EFFECTS
You are covered up to the Maximum Benefit Amount for lost, stolen, or damaged baggage or personal items with a maximum reimbursement of up to $300 per article. A combined maximum of $600 will be paid for jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, articles trimmed with fur, cameras and their accessories and related equipment.

In addition, the following reimbursements will apply:

1. lost or stolen passport or visa ($50 maximum);
2. lost or stolen credit cards ($50 maximum for the cost associated with unauthorized use subject to verification that You have complied with all conditions of the credit card company).

The lesser of the following amounts will be paid:

1. the actual cash value (cost less proper deduction for depreciation) at the time of loss, theft or damage;
2. the cost to repair or replace the article with material of a like kind and quality; or
3. $300 per article.

Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance.

Baggage & Personal Effects
The Insurer will reimburse this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for loss, theft, or damage to the Insured's Baggage, passports, and visas during the Insured's Trip. The Insurer will also pay for loss due to unauthorized use of the Insured's credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.

Property Not Covered: The Insurer will not pay for damage or loss of:
(a) animals;
(b)motor vehicles, aircraft, and other conveyances;
(c) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
(d)tickets, except for administrative fees required to reissue tickets;
(e)money, stamps, stocks and bonds, postal or money orders;
(f) property shipped as freight, or shipped prior to the Trip Departure Date;
(g)credit cards, except as noted above;
(h)contraband.

Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the limit of coverage as defined on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, gems, furs, cameras and camera equipment, camcorders, sporting equipment, computers, radios and other electronic items. Items over $150 should be accompanied by original receipts. If receipts are not provided, benefits may be reduced.

Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this benefit for loss due to:
(a) defective materials or craftsmanship; or
(b)normal wear and tear; or
(c) deterioration; or
(d)rodents, animals, or insects.

Payment of Loss: The Insurer will pay the lesser of: the cost to repair an item or replace with an item of like kind and quality. The Insurer will notify the Insured within 30 days after the Insurer receives his/her proof of loss. The Insurer may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of items, the Insurer may at our option: (a) repair or replace any part to restore the pair or set to its value before the loss; or (b) pay the difference between the value of the property before and after the loss.

This Benefit is not available within this plan

This Benefit is not available within this plan