Baggage Delay

Coverage Description
Provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours. View coverage summary for Baggage Delay for the policies below
Travel Insurance - Coverage for all types of travel. Includes cancellation
#	Company / Plan Name	Benefit
1	HTH TripProtector	$200 per person Covered after 24 hour delay
	Full Policy Wording	If your baggage is delayed or misdirected for more than 24 hours, we will reimburse you on a one-time basis for the reasonable, emergency purchase of essential items. We will also pay the reasonable cost to return your baggage to your “home”. Your Duties In The Event Of Loss: You must provide documentation of the delay or misdirection of baggage by the “common carrier” and receipts for the emergency purchases. Baggage Delay Coverage Definition What is Baggage Delay? - Baggage Delay provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours. What am I covered For? - If your baggage is delayed or misdirected for more than 24 hours, we will reimburse you on a one-time basis for the reasonable, emergency purchase of essential items. We will also pay the reasonable cost to return your baggage to your "home". Your Duties In The Event Of Loss: You must provide documentation of the delay or misdirection of baggage by the "common carrier" and receipts for the emergency purchases.
2	HTH TripProtector Preferred	$200 per person Covered after 24 hour delay
	Full Policy Wording	We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Covered Trip.
3	Seven Corners RoundTrip	$200 per person Covered after 24 hour delay
	Full Policy Wording	You will receive benefits for lost, stolen or damaged luggage and personal items, as well as a lost or stolen passport, visa and credit cards. You also have benefits for checked luggage that is delayed or misdirected by a common carrier for more than 24 hours from your arrival time at a destination, other than your residence, during your trip. Benefits are payable on property not specifically scheduled under other insurance.
4	MH Ross Trip Insurance Basic	$250 per person Covered after 12 hour delay
	Full Policy Wording	We will reimburse You, up to the Maximum Benefit Amount, for expenses incurred for the purchase of necessary personal items while on Your Covered Trip if Your checked Baggage is delayed or misdirected more than 12 hours from the time of Your arrival at Your Destination. This benefit does not apply to Baggage delayed after You have reached Your Point of Origin.
5	Travel Guard Essential Basic	$100 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
6	Travel Guard Essential Expanded Silver	$200 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
7	Travel Guard Essential Expanded Silver plus Umbrella Package	$200 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
8	TravelSafe TravelSafe Premier	$250 per person Covered after 12 hour delay
	Full Policy Wording	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 the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
9	TravelSafe TravelSafe Vacation Insurance	$250 per person Covered after 12 hour delay
	Full Policy Wording	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 the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
10	Elvia Elvia Deluxe Comprehensive	$500 per person Covered after 24 hour delay
	Full Policy Wording	If Your personal Baggage is delayed or misdirected for at least 24 hours by a Common Carrier, the program will reimburse You on a one-time basis for the reasonable, additional purchase of essential items. Verification of the delay by the Common Carrier and receipts for the emergency purchases must accompany any claim. No coverage will be provided for loss(es) due to any General Program Exclusion. Please refer to Your Letter of Confirmation to determine which benefits are specifically included within the plan You purchased and their corresponding maximum amount of coverage.
11	Elvia Elvia Classic Comprehensive	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your personal Baggage is delayed or misdirected for at least 24 hours by a Common Carrier, the program will reimburse You on a one-time basis for the reasonable, additional purchase of essential items. Verification of the delay by the Common Carrier and receipts for the emergency purchases must accompany any claim. No coverage will be provided for loss(es) due to any General Program Exclusion.
12	Global Alert Admin Global Alert Preferred	$200 per person / day Covered after 12 hour delay $400 max per policy
	Full Policy Wording	We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
13	Global Alert Admin Global Alert Preferred Plus	$200 per person / day Covered after 12 hour delay $400 max per policy
	Full Policy Wording	We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
14	Global Alert Admin Global Alert Essentials	$250 per person Covered after 12 hour delay
	Full Policy Wording	We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your trip to expedite the return of your delayed Baggage.
15	Travel Guard Protect Assist	$250 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
16	Travel Guard Essential Expanded	$100 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverage and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
17	Travel Guard Cruise Tour & Travel	$200 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
18	Travel Guard Essential	$100 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
19	Travel Guard Protect Assist plus Umbrella Package	$250 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
20	Travel Guard Essential Expanded plus Umbrella Package	$100 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverage and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
21	iTravelInsured Lite Protection Plan	$100 per person Covered after 24 hour delay
	Full Policy Wording	In the event that the Insured Persons checked Baggage is delayed by any Common Carrier on a Covered Trip for twenty-four (24) hours or more from the actual time of arrival at the Insured Persons final Destination, We will reimburse expenses incurred up to the amount shown on the Certificate Schedule excess of any reimbursable expenses paid by the Common Carrier for the cost of reasonable additional clothing and essential personal articles purchased by the Insured Person. This benefit does not apply if the Baggage is delayed after the Insured Person has reached his or her Return Destination. We will cover only one Baggage Delay per trip. Any payment of this benefit shall be offset against any claim ultimately payable under any Loss of Baggage benefit if such coverage was purchased by the Insured Person.
22	iTravelInsured Student Travel	$50 per person Covered after 24 hour delay
	Full Policy Wording	In the event that the Insured Persons checked Baggage is delayed by any Common Carrier on a Covered Trip for twenty-four (24) hours or more from the actual time of arrival at the Insured Persons final Destination, We will reimburse expenses incurred up to the amount shown on the Certificate Schedule excess of any reimbursable expenses paid by the Common Carrier for the cost of reasonable additional clothing and essential personal articles purchased by the Insured Person. This benefit does not apply if the Baggage is delayed after the Insured Person has reached his or her Return Destination. We will cover only one Baggage Delay per trip. Any payment of this benefit shall be offset against any claim ultimately payable under any Loss of Baggage benefit if such coverage was purchased by the Insured Person.
23	MH Ross Trip Insurance Extra	$200 per person / day Covered after 12 hour delay $400 max per policy
	Full Policy Wording	We will reimburse You, up to the Maximum Benefit Amount, for expenses incurred for the purchase of necessary personal items while on Your Covered Trip if Your checked Baggage is delayed or misdirected more than 12 hours from the time of Your arrival at Your Destination. This benefit does not apply to Baggage delayed after You have reached Your Point of Origin.
24	iTravelInsured Picture Perfect Vacation	$100 per person Covered after 24 hour delay
	Full Policy Wording	In the event that the Insured Persons checked Baggage is delayed by any Common Carrier on a Covered Trip for twenty-four (24) hours or more from the actual time of arrival at the Insured Persons final Destination, We will reimburse expenses incurred up to the amount shown on the Certificate Schedule excess of any reimbursable expenses paid by the Common Carrier for the cost of reasonable additional clothing and essential personal articles purchased by the Insured Person. This benefit does not apply if the Baggage is delayed after the Insured Person has reached his or her Return Destination. We will cover only one Baggage Delay per trip. Any payment of this benefit shall be offset against any claim ultimately payable under any Loss of Baggage benefit if such coverage was purchased by the Insured Person.
25	TravelSafe TravelSafe Elements for Individuals	$150 per person Covered after 12 hour delay
	Full Policy Wording	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 the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
26	Travel Insured Trip Protector Lite	$300 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses for necessary personal effects, up to the maximum shown on the Schedule of Coverage and Services, if Your checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrive at the destination stated on the ticket, except travel to Your final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier. If You purchase Sports Coverage the Insurer will reimburse You up to the combined maximum limit shown on the Schedule of Coverage and Services for expenses for rental equipment if Your sporting equipment is delayed or misdirected by Common Carrier.
27	Travel Insured Trip Protector Lite Expanded	$500 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses for necessary personal effects, up to the maximum shown on the Schedule of Coverage and Services, if Your checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrive at the destination stated on the ticket, except travel to Your final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier. If You purchase Sports Coverage the Insurer will reimburse You up to the combined maximum limit shown on the Schedule of Coverage and Services for expenses for rental equipment if Your sporting equipment is delayed or misdirected by Common Carrier.
28	Travel Insured WTP - Comprehensive Plan	$300 per person Covered after 12 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses for necessary personal effects, up to the maximum shown on the Schedule of Coverage and Services, if Your checked Baggage is delayed or misdirected by a Common Carrier for more than 12 hours from the time You arrive at the destination stated on the ticket, except travel to Your final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier. If You purchase Sports Coverage the Insurer will reimburse You up to the combined maximum limit shown on the Schedule of Coverage and Services for expenses for rental equipment if Your sporting equipment is delayed or misdirected by Common Carrier.
29	Travel Insured WTP Gold - Comprehensive Plan	$500 per person Covered after 12 hour delay
	Full Policy Wording	Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses for necessary personal effects, up to the maximum shown on the Schedule of Coverage and Services, if Your checked Baggage is delayed or misdirected by a Common Carrier for more than 12 hours from the time You arrive at the destination stated on the ticket, except travel to Your final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier. If You purchase Sports Coverage the Insurer will reimburse You up to the combined maximum limit shown on the Schedule of Coverage and Services for expenses for rental equipment if Your sporting equipment is delayed or misdirected by Common Carrier.
30	MH Ross Trip Insurance Enhanced	$200 per person / day Covered after 12 hour delay $400 max per policy
	Full Policy Wording	We will reimburse You, up to the Maximum Benefit Amount, for expenses incurred for the purchase of necessary personal items while on Your Covered Trip if Your checked Baggage is delayed or misdirected more than 12 hours from the time of Your arrival at Your Destination. This benefit does not apply to Baggage delayed after You have reached Your Point of Origin.
31	Travelex Travel Plus	$600 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If Your checked baggage is delayed or misdirected by a Common Carrier while on Your Covered Trip for more than 24 hours from Your time of arrival at the destination other than Your residence, You are covered for the expense of necessary purchases of personal items up to the $200/day subject to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. The Common Carrier must certify the delay.
32	Travelex TraveLite	$250 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If Your checked baggage is delayed or misdirected by a Common Carrier while on Your Covered Trip for more than 24 hours from Your time of arrival at the destination other than Your residence, You are covered for the expense of necessary purchases of personal items up to the $200/day subject to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. The Common Carrier must certify the delay.
33	Travel Insurance Services Travel Insurance Select Basic	$50 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. If the Baggage is delayed after the Insured has reached his or her Destination and the Common Carrier makes a charge for delivery, the Company will reimburse the reasonable cost to deliver the Insured’s Baggage to his/her Return Destination or residence, up to $25. Requirements in the Event of a Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the emergency purchases.
34	iTravelInsured Elite Vacation	$500 per person Covered after 24 hour delay
	Full Policy Wording	In the event Your checked Baggage is delayed by a Common Carrier on a Covered Trip for 24 hours or more from the actual time of arrival at a Destination, subject to the limitations stated below, We will reimburse costs You incurred up to the maximum benefit shown on the Schedule of Benefits for reasonable additional clothing and essential personal articles You purchased. Verification of the delay by the Common Carrier and receipts for the necessary purchases must accompany any claim. The following limitations will apply: This benefit does not apply if Baggage is delayed after You have reached Your Return Destination. We will cover only one Baggage Delay per Covered Trip. This benefit is in excess of any reimbursable costs paid by a Common Carrier.
35	Travel Insurance Services Travel Insurance Select Elite	$200 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. If the Baggage is delayed after the Insured has reached his or her Destination and the Common Carrier makes a charge for delivery, the Company will reimburse the reasonable cost to deliver the Insured’s Baggage to his/her Return Destination or residence, up to $25. Requirements in the Event of a Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the emergency purchases.
36	Travel Insurance Services Travel Insurance Select Plus	$100 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. If the Baggage is delayed after the Insured has reached his or her Destination and the Common Carrier makes a charge for delivery, the Company will reimburse the reasonable cost to deliver the Insured’s Baggage to his/her Return Destination or residence, up to $25. Requirements in the Event of a Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the emergency purchases.
37	Travel Guard Cruise Tour & Travel Platinum	$500 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased..
38	Travel Guard Protect Assist Gold	$300 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
39	Travel Guard Protect Assist Gold plus Umbrella Package	$300 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the emergency purchases.
40	Seven Corners RoundTrip	$200 per person Covered after 24 hour delay
	Full Policy Wording	The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty -four (24) hours, while on a Trip, except for travel to final destination or place of residence. You must be a ticketed passenger on a Common Carrier.
41	Seven Corners RoundTrip Choice	$400 per person Covered after 24 hour delay
	Full Policy Wording	The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty -four (24) hours, while on a Trip, except for travel to final destination or place of residence. You must be a ticketed passenger on a Common Carrier.
42	CSA WebDirect	$200 per person Covered after 24 hour delay
	Full Policy Wording	If, while on a Covered Trip, an Insured’s checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from his or her time of arrival at a destination other than at his or her place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount, for the actual expenditure for necessary personal effects. An Insured must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
43	CSA WebDirect Luxe	$500 per person Covered after 24 hour delay
	Full Policy Wording	If, while on a Covered Trip, an Insured’s checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from his or her time of arrival at a destination other than at his or her place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount, for the actual expenditure for necessary personal effects. An Insured must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
44	USA-ASSIST GlobalTrip Saver	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
45	USA-ASSIST GlobalTrip Plus	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
46	USA-ASSIST GlobalTrip High Medical	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
47	USA-ASSIST GlobalTrip Super	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
48	Travel Guard Adventure Travel Protection	Covered after 12 hour delay Includes Sports Equipment Delay
	Full Policy Wording	SPORTS EQUIPMENT DELAY The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 12 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
Travel Insurance - Limited or no cancellation.
#	Company / Plan Name	Benefit
1	Travel Insured Ticket Protector	$100 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY: The Insurer will reimburse You for expenses for necessary personal effects, up to the maximum shown in the Schedule of Coverage and Services, if Your checked Baggage is delayed or misdirected by Common Carrier for more than 24 hours from the time You arrive at the destination stated on the ticket, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
2	Travelex Travel Annual - Flight AD&D Only	No coverage
	Full Policy Wording	No coverage
3	Travelex Flight Plus - Flight AD&D Only	No coverage
	Full Policy Wording	No coverage
4	Travelex Flight Plus - Package Plan	$100 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are eligible for benefits up to the benefit amount shown for the expense of necessary purchases of personal items as long as the expense is substantiated by receipts for purchases. The Common Carrier must certify the delay.
5	Elvia Elvia Deluxe Limited	$500 per person Covered after 24 hour delay
	Full Policy Wording	If Your personal Baggage is delayed or misdirected for at least 24 hours by a Common Carrier, the program will reimburse You on a one-time basis for the reasonable, additional purchase of essential items. Verification of the delay by the Common Carrier and receipts for the emergency purchases must accompany any claim. No coverage will be provided for loss(es) due to any General Program Exclusion. Please refer to Your Letter of Confirmation to determine which benefits are specifically included within the plan You purchased and their corresponding maximum amount of coverage.
6	Elvia Elvia Classic Limited	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your personal Baggage is delayed or misdirected for at least 24 hours by a Common Carrier, the program will reimburse You on a one-time basis for the reasonable, additional purchase of essential items. Verification of the delay by the Common Carrier and receipts for the emergency purchases must accompany any claim. No coverage will be provided for loss(es) due to any General Program Exclusion.
Annual Travel Insurance - Frequent travelers unlimited short trips.
#	Company / Plan Name	Benefit
1	HTH TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	No coverage
2	HTH TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	No coverage
3	Travelex Travel Annual - Package Plan	$500 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected by a Common Carrier while on Your Covered Trip for more than 24 hours from Your time of arrival at the destination other than Your residence, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. The Common Carrier must certify the delay.
4	HTH TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	No coverage
5	HTH TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	No coverage
6	MEDEX TravMed Abroad Annual	No coverage
	Full Policy Wording	No Coverage
7	iTravelInsured Annual Travel Medical Program	No coverage
	Full Policy Wording	This Benefit is not available within this plan
8	HTH TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	No coverage
9	HTH TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	No coverage
Medical Evacuation Plans - Coverage for medical evacuation and repatriation only
#	Company / Plan Name	Benefit
1	Access America Annual MedEvac - Extended Stay 12 months	No coverage
	Full Policy Wording	No coverage
2	Access America Annual Med Evac Standard	No coverage
	Full Policy Wording	No coverage
3	Access America Annual Med Evac - Extended Stay 6 months	No coverage
	Full Policy Wording	No coverage
4	MedjetAssist Annual Membership	No coverage
	Full Policy Wording	This Benefit is not available within this plan
5	MedjetAssist MedjetAssist Extended Stay	No coverage
	Full Policy Wording	This Benefit is not available within this plan
6	MedjetAssist MedjetAssist Short Term Plan	No coverage
	Full Policy Wording	This Benefit is not available within this plan
7	MEDEX Plus Scholastic Excluding US	No coverage
	Full Policy Wording	No Coverage
8	MEDEX Safe Trip Per-trip	No coverage
	Full Policy Wording	No Coverage
9	MEDEX Safe Trip Annual	No coverage
	Full Policy Wording	No Coverage
10	MEDEX Safe Trip Annual Expatriate	No coverage
	Full Policy Wording	No Coverage
11	MEDEX Plus Scholastic Including US	No coverage
	Full Policy Wording	No Coverage
12	On Call International Multi Trip Plan	No coverage
	Full Policy Wording	No coverage
13	On Call International Extended Stay Plan	No coverage
	Full Policy Wording	No coverage
14	On Call International Short Term Plan	No coverage
	Full Policy Wording	No coverage