The table below shows you at a glance which company provides the most comprehensive coverage for the Baggage & Personal Items Loss element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

View full coverage summary for Baggage & Personal Items Loss for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Baggage & Personal Items Loss Benefits
$1,000 per person $100 per item $250 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

5

VIP Plan
APRIL Travel Protection

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

6

Trip Cancellation Plan
APRIL Travel Protection

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Baggage & Personal Items Loss Benefits
$1,000 per person $100 per item $250 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Baggage & Personal Items Loss Benefits
$2,500 policy limit $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

9

Choice
APRIL Travel Protection

Baggage & Personal Items Loss Benefits
$500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property. Original receipts must be provided for reimbursement.

There is a per article limit of $250. There is a combined maximum limit of $500 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Baggage & Personal Items Loss Benefits
$500 per person

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property. Original receipts must be provided for reimbursement.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:
a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or
b) the cost of repair or replacement.

Prescription Drug Replacement: If, while on a Covered Trip, Your medically required prescription drugs for the treatment of Your Sickness or Accidental Injury are lost, stolen or damaged, We will pay You for costs up to the Maximum Benefit shown on the Schedule of Benefits for their replacement. The prescribing Physician must authorize the replacement and it must be legally permissible to replace the prescription in the jurisdiction in which the loss, theft or damage occurs.

EXCESS INSURANCE LIMITATION: The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable Deductible.

11

Gold
AXA Assistance USA

Baggage & Personal Items Loss Benefits
$1,500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property. Original receipts must be provided for reimbursement.

There is a per article limit of $250. There is a combined maximum limit of $500 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

Prescription Drug Replacement: If, while on a Covered Trip, Your medically required prescription drugs for the treatment of Your Sickness or Accidental Injury are lost, stolen or damaged, We will pay You for costs up to the Maximum Benefit shown on the Schedule of Benefits for their replacement. The prescribing Physician must authorize the replacement and it must be legally permissible to replace the prescription in the jurisdiction in which the loss, theft or damage occurs.

12

Platinum
AXA Assistance USA

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property. Original receipts must be provided for reimbursement.

There is a per article limit of $250. There is a combined maximum limit of $500 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:

(a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

(b) the cost of repair or replacement.

Prescription Drug Replacement: If, while on a Covered Trip, Your medically required prescription drugs for the treatment of Your Sickness or Accidental Injury are lost, stolen or damaged, We will pay You for costs up to the Maximum Benefit shown on the Schedule of Benefits for their replacement. The prescribing Physician must authorize the replacement and it must be legally permissible to replace the prescription in the jurisdiction in which the loss, theft or damage occurs.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Baggage & Personal Items Loss Benefits
$250 per person $100 per item Checked luggage only

Quote

Full Policy Wording

32.9 LOST CHECKED LUGGAGE -­‐ Subject to the Benefits and Limits set forth in the SCHEDULE OF BENEFITS AND LIMITS in Section 21. Scheme Administrator will consider paying if the following provisions are met.

32.9.1 Replacement of clothing and hygiene items not to exceed $100 for any one item.

32.9.2 The Participating Member(s) must be in compliance with all conditions and restrictions of this coverage.

32.9.3 Lost checked luggage must have been checked, in accordance with routine luggage checking procedures of the carrier, for transportation with the Participating member(s), on board a regularly scheduled commercial airline or cruise line, upon which the Participating Member(s) was a fare-­‐paying passenger

32.9.4 The Participating Member(s) must file a formal claim for lost checked luggage with the transportation carrier, and follow all instruction and take all measures as directed by the transportation carrier to locate and retrieve all lost checked luggage.

32.9.5 The Participating Member(s) must provide the Scheme Administrator with copies of all documentation of the claim filed with the transportation carrier, and a written statement from the transportation carrier that the luggage was checked and after careful search, the luggage remains missing.

32.9.6 The Lost Checked Luggage must be lost as of the date of payment by the Scheme Administrator and as of that date must have been lost for ten (10) days.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Baggage & Personal Items Loss Benefits
$250 per person $100 per item Checked luggage only

Quote

Full Policy Wording

32.9 LOST CHECKED LUGGAGE -­‐ Subject to the Benefits and Limits set forth in the SCHEDULE OF BENEFITS AND LIMITS in Section 21. Scheme Administrator will consider paying if the following provisions are met.

32.9.1 Replacement of clothing and hygiene items not to exceed $100 for any one item.

32.9.2 The Participating Member(s) must be in compliance with all conditions and restrictions of this coverage.

32.9.3 Lost checked luggage must have been checked, in accordance with routine luggage checking procedures of the carrier, for transportation with the Participating member(s), on board a regularly scheduled commercial airline or cruise line, upon which the Participating Member(s) was a fare-­‐paying passenger

32.9.4 The Participating Member(s) must file a formal claim for lost checked luggage with the transportation carrier, and follow all instruction and take all measures as directed by the transportation carrier to locate and retrieve all lost checked luggage.

32.9.5 The Participating Member(s) must provide the Scheme Administrator with copies of all documentation of the claim filed with the transportation carrier, and a written statement from the transportation carrier that the luggage was checked and after careful search, the luggage remains missing.

32.9.6 The Lost Checked Luggage must be lost as of the date of payment by the Scheme Administrator and as of that date must have been lost for ten (10) days.

CSA Travel Protection
CSA Travel Protection

15

Custom
CSA Travel Protection

Baggage & Personal Items Loss Benefits
$1,000 per person

Quote

Full Policy Wording

BAGGAGE COVERAGE

We will reimburse you, up to the amount shown in the Schedule, less any amounts payable under your homeowner’s or renter’s insurance, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip, provided you have taken reasonable steps to protect your Baggage against loss, theft, damage and destruction. Under this coverage, we will also provide benefits for the administrative fees to reissue lost, stolen or damaged tickets, visas or passports. 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 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 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:

1. animals; or

2. Business Equipment, household furniture, musical instruments, brittle or fragile articles; or

3. boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; or

4. 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; or

5. documents or tickets (except for administrative fees required to reissue tickets, as noted above); or

6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above; or

7. property shipped as freight or shipped prior to the Scheduled Departure Date; or

8. telephones, computer hardware or software; or 9. consumables, medicines, perfumes, cosmetics and perishables; or

10. items seized by any government, government official or customs official; or

11. illegal drugs and contraband.

Losses Not Covered

We will not pay for loss arising from:

1. defective materials or craftsmanship; or

2. normal wear and tear, gradual deterioration, inherent vice; or

3. rodents, animals, insects or vermin; or

4. mysterious disappearance; or

5. 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, you must:

1. immediately report the 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.

GeoBlue
GeoBlue

16

Voyager Choice
GeoBlue

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.

17

Voyager Essential
GeoBlue

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.

18

Trekker Choice excl US
GeoBlue

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

19

Trekker Essential excl US
GeoBlue

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

Global Alert
Global Alert

20

Essentials
Global Alert

Baggage & Personal Items Loss Benefits
$250 per person

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:

(a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

(b) the cost of repair or replacement.

21

Preferred
Global Alert

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit of $100.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:

a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

b) the cost of repair or replacement.

22

Preferred Plus
Global Alert

Baggage & Personal Items Loss Benefits
$750 per person $100 per item

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit of $100.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

We will pay the lesser of the following:

(a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

(b) the cost of repair or replacement.

HCC Medical Insurance Services
HCC Medical Insurance Services

23

Atlas International excl US
HCC Medical Insurance Services

Baggage & Personal Items Loss Benefits
$500 per person $50 per item Checked luggage only

Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

1. Replacement of clothes and personal hygiene items, not to exceed $50 any one item.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:

a) The Lost Checked Luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with the Member, on board a regularly scheduled commercial airline or cruise line, upon which the Member was a fare-paying passenger; and

b) The Member must file a formal claim for lost luggage with the transportation provider, and follow all instructions and take all measures as directed by the transportation provider to locate and retrieve the Lost Checked Luggage; and

c) The Member must provide Underwriters with copies of all documentation of the claim filed with the transportation provider, and a written statement from the transportation provider confirming that the luggage was checked and after careful search, the luggage remains missing; and

d) The Lost Checked Luggage must be lost as of the date of payment by Underwriters and as of that date, must have been lost for at least 10 days.

24

Atlas MultiTrip incl US
HCC Medical Insurance Services

Baggage & Personal Items Loss Benefits
$500 per person $50 per item Checked luggage only

Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

1. Replacement of clothes and personal hygiene items, not to exceed $50 any one item.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:

a) The Lost Checked Luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with the Member, on board a regularly scheduled commercial airline or cruise line, upon which the Member was a fare-paying passenger; and

b) The Member must file a formal claim for lost luggage with the transportation provider, and follow all instructions and take all measures as directed by the transportation provider to locate and retrieve the Lost Checked Luggage; and

c) The Member must provide Underwriters with copies of all documentation of the claim filed with the transportation provider, and a written statement from the transportation provider confirming that the luggage was checked and after careful search, the luggage remains missing; and

d) The Lost Checked Luggage must be lost as of the date of payment by Underwriters and as of that date, must have been lost for at least 10 days.

25

Atlas MultiTrip excl US
HCC Medical Insurance Services

Baggage & Personal Items Loss Benefits
$500 per person $50 per item Checked luggage only

Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

1. Replacement of clothes and personal hygiene items, not to exceed $50 any one item.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:

a) The Lost Checked Luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with the Member, on board a regularly scheduled commercial airline or cruise line, upon which the Member was a fare-paying passenger; and

b) The Member must file a formal claim for lost luggage with the transportation provider, and follow all instructions and take all measures as directed by the transportation provider to locate and retrieve the Lost Checked Luggage; and

c) The Member must provide Underwriters with copies of all documentation of the claim filed with the transportation provider, and a written statement from the transportation provider confirming that the luggage was checked and after careful search, the luggage remains missing; and

d) The Lost Checked Luggage must be lost as of the date of payment by Underwriters and as of that date, must have been lost for at least 10 days.

HTH Travel Insurance
HTH Travel Insurance

26

TravelGap Voyager excl US
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Benefits, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You have taken all reasonable measures to protect, save and/or recover the property at all times. The baggage and personal effects must be owned by and accompany You during the Trip. The police or other authority must be notified within twenty-four (24) hours in the event of theft.

This coverage is subject 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.

There will be a per article limit shown on the Confirmation of Benefits.

There will be a combined Maximum Benefit limit shown on the Confirmation of Benefits 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; or
b) the cost of repair or replacement in like kind and quality.

EXTENSION OF COVERAGE

If You have 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.

27

TripProtector Preferred
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
$2,000 per person $500 per item $1,000 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS
PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You have taken all reasonable measures to protect, save and/or recover the property at all times. The baggage and personal effects must be owned by and accompany You during the Trip. The police or other authority must be notified within twenty-four (24) hours in the
event of theft.

This coverage is subject 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.

There will be a per article limit shown on the Confirmation of Coverage.

There will be a combined Maximum Benefit limit shown on the Confirmation of Coverage 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; or

(b) the cost of repair or replacement in like kind and quality.

EXTENSION OF COVERAGE

If You have 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.

28

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

29

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

30

TravelGap Excursion excl US
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
$500 per person $100 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS
PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Benefits, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You have taken all reasonable measures to protect, save and/or recover the property at all times. The baggage and personal effects must be owned by and accompany You during the Trip. The police or other authority must be notified within twenty-four (24) hours in the event of theft.

This coverage is subject 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.

There will be a per article limit shown on the Confirmation of Benefits.

There will be a combined Maximum Benefit limit shown on the Confirmation of Benefits 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; or
(b) the cost of repair or replacement in like kind and quality.

EXTENSION OF COVERAGE
If You have 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.

31

TripProtector Economy
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
$750 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS
PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You have taken all reasonable measures to protect, save and/or recover the property at all times. The baggage and personal effects must be owned by and accompany You during the Trip. The police or other authority must be notified within twenty-four (24) hours in the
event of theft.

This coverage is subject 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.

There will be a per article limit shown on the Confirmation of Coverage.

There will be a combined Maximum Benefit limit shown on the Confirmation of Coverage 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; or

(b) the cost of repair or replacement in like kind and quality.

EXTENSION OF COVERAGE

If You have 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.

32

TripProtector Classic
HTH Travel Insurance

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS
PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You have taken all reasonable measures to protect, save and/or recover the property at all times. The baggage and personal effects must be owned by and accompany You during the Trip. The police or other authority must be notified within twenty-four (24) hours in the
event of theft.

This coverage is subject 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.

There will be a per article limit shown on the Confirmation of Coverage.

There will be a combined Maximum Benefit limit shown on the Confirmation of Coverage 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; or

(b) the cost of repair or replacement in like kind and quality.

EXTENSION OF COVERAGE

If You have 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.

InsureandGo USA
InsureandGo USA

33

Silver
InsureandGo USA

Baggage & Personal Items Loss Benefits
$750 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier.

There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

34

Gold
InsureandGo USA

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier.

There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

35

Platinum
InsureandGo USA

Baggage & Personal Items Loss Benefits
$2,000 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier.

There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

36

Global Silver excl US
InsureandGo USA

Baggage & Personal Items Loss Benefits
$750 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier.
There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

37

Global Gold excl US
InsureandGo USA

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier.
There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

38

Global Platinum excl US
InsureandGo USA

Baggage & Personal Items Loss Benefits
$2,000 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier.
There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

39

Cruise Select
InsureandGo USA

Baggage & Personal Items Loss Benefits
$1,500 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier. There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your
Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

40

Cruise Preferred
InsureandGo USA

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item $300 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the limit shown on Your 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 Your Covered Trip.

This coverage is excess of any coverage provided by a Common Carrier. There is a deductible per occurrence and a per article limit for baggage and personal effects as shown on Your Confirmation of Coverage.

There is also a combined limit shown on Your Confirmation of Coverage 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.

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; 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 Loss, theft or damage to Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

iTravelInsured
iTravelInsured

41

Travel Lite
iTravelInsured

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

42

Travel SE
iTravelInsured

Baggage & Personal Items Loss Benefits
$1,500 per person $250 per item

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Declarations Page: (a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; (b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and © occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1. the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3. $250 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 50% of the Actual Cash Value at the time of loss, not to exceed $250 per article.

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

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. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11. artificial limbs or other prosthetic devices;

12. prescribed medications;

13. keys, money, stamps and credit cards (except as otherwise specifically covered 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. sporting equipment if the loss results from the use thereof;

Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from:

a. breakage of brittle or fragile articles;

wear and tear or gradual deterioration;

c. confiscation or appropriation by order of any government or custom’s rule;

d. theft or pilferage while left in any unlocked or unattended vehicle;

e. property illegally acquired, kept, stored or transported;

f. Your negligent acts or omissions; or

g. property shipped as freight or shipped prior to the Scheduled Departure Date ;

h. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay:

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.

Additional Claims Provisions Specific to Baggage:

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a. take all reasonable steps to protect, save or recover the property:

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 Your property at the time of loss:

c. produce records needed to verify the claim and its amount ,and permit copies to be made:

d. send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items; and

e. allow the company to examine baggage or personal effects, if requested.

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

43

Travel SE
iTravelInsured

Baggage & Personal Items Loss Benefits
$1,500 per person $250 per item

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Declarations Page: (a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; (b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and © occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1. the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3. $250 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 50% of the Actual Cash Value at the time of loss, not to exceed $250 per article.

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

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. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11. artificial limbs or other prosthetic devices;

12. prescribed medications;

13. keys, money, stamps and credit cards (except as otherwise specifically covered 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. sporting equipment if the loss results from the use thereof;

Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from:

a. breakage of brittle or fragile articles;

wear and tear or gradual deterioration;

c. confiscation or appropriation by order of any government or custom’s rule;

d. theft or pilferage while left in any unlocked or unattended vehicle;

e. property illegally acquired, kept, stored or transported;

f. Your negligent acts or omissions; or

g. property shipped as freight or shipped prior to the Scheduled Departure Date ;

h. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay:

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.

Additional Claims Provisions Specific to Baggage:

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a. take all reasonable steps to protect, save or recover the property:

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 Your property at the time of loss:

c. produce records needed to verify the claim and its amount ,and permit copies to be made:

d. send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items; and

e. allow the company to examine baggage or personal effects, if requested.

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

44

Travel LX
iTravelInsured

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Declarations Page: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1. the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3. $250 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 50% of the Actual Cash Value at the time of loss, not to exceed $250 per article.

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.

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. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11. artificial limbs or other prosthetic devices;

12. prescribed medications;

13. keys, money, stamps and credit cards (except as otherwise specifically covered 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. sporting equipment if the loss results from the use thereof;

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a. breakage of brittle or fragile articles;

wear and tear or gradual deterioration;

c. confiscation or appropriation by order of any government or custom’s rule;

d. theft or pilferage while left in any unlocked or unattended vehicle;

e. property illegally acquired, kept, stored or transported;

f. Your negligent acts or omissions; or

g. property shipped as freight or shipped prior to the Scheduled Departure Date ;

h. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Claims Provisions Specific to Baggage:

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a. take all reasonable steps to protect, save or recover the property:

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 Your property at the time of loss:

c. produce records needed to verify the claim and its amount ,and permit copies to be made:

d. send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items; and

e. allow the company to examine baggage or personal effects, if requested.

45

Travel LX
iTravelInsured

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Declarations Page: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1. the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3. $250 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 50% of the Actual Cash Value at the time of loss, not to exceed $250 per article.

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.

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. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11. artificial limbs or other prosthetic devices;

12. prescribed medications;

13. keys, money, stamps and credit cards (except as otherwise specifically covered 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. sporting equipment if the loss results from the use thereof;

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a. breakage of brittle or fragile articles;

wear and tear or gradual deterioration;

c. confiscation or appropriation by order of any government or custom’s rule;

d. theft or pilferage while left in any unlocked or unattended vehicle;

e. property illegally acquired, kept, stored or transported;

f. Your negligent acts or omissions; or

g. property shipped as freight or shipped prior to the Scheduled Departure Date ;

h. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Claims Provisions Specific to Baggage:

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a. take all reasonable steps to protect, save or recover the property:

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 Your property at the time of loss:

c. produce records needed to verify the claim and its amount ,and permit copies to be made:

d. send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items; and

e. allow the company to examine baggage or personal effects, if requested.

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.

46

Bronze
John Hancock Insurance Agency, Inc.

Baggage & Personal Items Loss Benefits
$250 per person

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

Prescription Drug Replacement: If, while on a Covered Trip, Your medically required prescription drugs for the treatment of Your Sickness or Accidental Injury are lost, stolen or damaged, We will pay You for costs up to the Maximum Benefit shown on the Schedule of Benefits for their replacement. The prescribing Physician must authorize the replacement and it must be legally permissible to replace the prescription in the jurisdiction in which the loss, theft or damage occurs.

We will pay the lesser of the following:
(a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

47

Silver
John Hancock Insurance Agency, Inc.

Baggage & Personal Items Loss Benefits
$1,000 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit of $300. There is 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

Prescription Drug Replacement: If, while on a Covered Trip, Your medically required prescription drugs for the treatment of Your Sickness or Accidental Injury are lost, stolen or damaged, We will pay You for costs up to the Maximum Benefit shown on the Schedule of Benefits for their replacement. The prescribing Physician must authorize the replacement and it must be legally permissible to replace the prescription in the jurisdiction in which the loss, theft or damage occurs.

We will pay the lesser of the following:

(a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

(b) the cost of repair or replacement.

48

Gold
John Hancock Insurance Agency, Inc.

Baggage & Personal Items Loss Benefits
$2,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

There is a per article limit of $300. There is 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; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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.

Prescription Drug Replacement: If, while on a Covered Trip, Your medically required prescription drugs for the treatment of Your Sickness or Accidental Injury are lost, stolen or damaged, We will pay You for costs up to the Maximum Benefit shown on the Schedule of Benefits for their replacement. The prescribing Physician must authorize the replacement and it must be legally permissible to replace the prescription in the jurisdiction in which the loss, theft or damage occurs.

We will pay the lesser of the following:

(a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or

(b) the cost of repair or replacement.

MedjetAssist
MedjetAssist

49

Annual Membership
MedjetAssist

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

50

MedjetAssist Extended Stay
MedjetAssist

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

51

MedjetAssist Short Term Plan
MedjetAssist

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

52

Asset Plus
MH Ross Travel Insurance Services

Baggage & Personal Items Loss Benefits
$1,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $300 per item.

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, not to exceed $300 per item.

We may take all or part of Your 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: a combined maximum of $600 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment) and other digital or electronic equipment or media.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

For Baggage and Personal Effects, Sports Equipment, Business Equipment Rental, Sports Equipment Rental and Baggage Delay:

We will not provide benefits for any loss or damage to:

1. animals;

2. automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3. bicycles, except when checked as baggage with a Common Carrier;

4. household effects and furnishings; antiques and collector items;

5. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6. artificial limbs or other prosthetic devices;

7. keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8. sporting equipment if the loss results from the use thereof;

9. professional or occupational equipment or property, whether or not electronic business equipment; or

10. cell phones, PDAs and similar mobile devices, laptop or tablet computers.

We will not provide benefits for any loss or damage caused by or resulting from:

1) breakage of brittle or fragile articles (except musical instruments);

2) wear and tear or gradual deterioration;

3) confiscation or appropriation by order of any government or custom’s rule;

4) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

53

Bridge
MH Ross Travel Insurance Services

Baggage & Personal Items Loss Benefits
$2,000 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $300 per item.

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, not to exceed $300 per item.

We may take all or part of Your 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: a combined maximum of $600 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment) and other digital or electronic equipment or media.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

For Baggage and Personal Effects, Sports Equipment, Business Equipment Rental, Sports Equipment Rental and Baggage Delay:

We will not provide benefits for any loss or damage to:

1. animals;

2. automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3. bicycles, except when checked as baggage with a Common Carrier;

4. household effects and furnishings; antiques and collector items;

5. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6. artificial limbs or other prosthetic devices;

7. keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8. sporting equipment if the loss results from the use thereof;

9. professional or occupational equipment or property, whether or not electronic business equipment; or

10. cell phones, PDAs and similar mobile devices, laptop or tablet computers.

We will not provide benefits for any loss or damage caused by or resulting from:

1) breakage of brittle or fragile articles (except musical instruments);

2) wear and tear or gradual deterioration;

3) confiscation or appropriation by order of any government or custom’s rule;

4) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

54

Complete
MH Ross Travel Insurance Services

Baggage & Personal Items Loss Benefits
$2,000 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $300 per item.

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, not to exceed $300 per item.

We may take all or part of Your 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: a combined maximum of $600 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment) and other digital or electronic equipment or media.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

For Baggage and Personal Effects, Sports Equipment, Business Equipment Rental, Sports Equipment Rental and Baggage Delay:

We will not provide benefits for any loss or damage to:

1. animals;

2. automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3. bicycles, except when checked as baggage with a Common Carrier;

4. household effects and furnishings; antiques and collector items;

5. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6. artificial limbs or other prosthetic devices;

7. keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8. sporting equipment if the loss results from the use thereof;

9. professional or occupational equipment or property, whether or not electronic business equipment; or

10. cell phones, PDAs and similar mobile devices, laptop or tablet computers.

We will not provide benefits for any loss or damage caused by or resulting from:

1) breakage of brittle or fragile articles (except musical instruments);

2) wear and tear or gradual deterioration;

3) confiscation or appropriation by order of any government or custom’s rule;

4) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

55

Asset
MH Ross Travel Insurance Services

Baggage & Personal Items Loss Benefits
$1,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $300 per item.

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, not to exceed $300 per item.

We may take all or part of Your 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: a combined maximum of $600 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment) and other digital or electronic equipment or media.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

For Baggage and Personal Effects, Sports Equipment, Business Equipment Rental, Sports Equipment Rental and Baggage Delay:

We will not provide benefits for any loss or damage to:

1. animals;

2. automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3. bicycles, except when checked as baggage with a Common Carrier;

4. household effects and furnishings; antiques and collector items;

5. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6. artificial limbs or other prosthetic devices;

7. keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8. sporting equipment if the loss results from the use thereof;

9. professional or occupational equipment or property, whether or not electronic business equipment; or

10. cell phones, PDAs and similar mobile devices, laptop or tablet computers.

We will not provide benefits for any loss or damage caused by or resulting from:

1) breakage of brittle or fragile articles (except musical instruments);

2) wear and tear or gradual deterioration;

3) confiscation or appropriation by order of any government or custom’s rule;

4) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

Protect Your Bubble
Protect Your Bubble

56

Basic Plan
Protect Your Bubble

Baggage & Personal Items Loss Benefits
$500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $250 per item.

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, not to exceed $250 .

We may take all or part of Your 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment).

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

57

Deluxe Plan
Protect Your Bubble

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $250 per item.

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, not to exceed $250 .

We may take all or part of Your 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment).

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

RoamRight
RoamRight

58

Essential
RoamRight

Baggage & Personal Items Loss Benefits
$750 per person $250 per item $500 specific items limit $50 deductible per occurrence

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, 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 accompany You during the Trip.

There will be a per article limit shown on Your Confirmation of Benefits.

There will be a combined maximum limit shown on Your Confirmation of Benefits 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; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company 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 Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement. 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.
b) The cost of repair or replacement.

59

Essential
RoamRight

Baggage & Personal Items Loss Benefits
$750 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $250 per item.

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, not to exceed $250.

We may take all or part of Your 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment); laptop or tablet computers; cell phones, PDA’s and similar mobile devices; and other digital or electronic equipment or media; and sporting equipment.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

The following exclusions and limitations apply to Baggage and Personal Effects and Baggage Delay:

We will not provide benefits for any loss or damage to:

1) animals;

2) automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3) bicycles, except when checked as baggage with a Common Carrier;

4) household effects and furnishings; antiques and collector items;

5) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6) artificial limbs or other prosthetic devices;

7) keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8) sporting equipment if the loss results from the use thereof;

9) professional or occupational equipment or property, whether or not electronic business equipment;

We will not provide benefits for any loss or damage 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) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances; 9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

60

Preferred
RoamRight

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits 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 accompany You during the Trip.

There will be a per article limit shown on Your Confirmation of Benefits.

There will be a combined maximum limit shown on Your Confirmation of Benefits 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; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company 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 Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

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.
b) The cost of repair or replacement.

61

Preferred
RoamRight

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $250 per item.

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, not to exceed $250.

We may take all or part of Your 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment); laptop or tablet computers; cell phones, PDA’s and similar mobile devices; and other digital or electronic equipment or media; and sporting equipment.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

The following exclusions and limitations apply to Baggage and Personal Effects, Baggage Delay and Business Equipment Rental:

We will not provide benefits for any loss or damage to:

1) animals;

2) automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3) bicycles, except when checked as baggage with a Common Carrier;

4) household effects and furnishings; antiques and collector items;

5) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6) artificial limbs or other prosthetic devices;

7) keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8) sporting equipment if the loss results from the use thereof.

We will not provide benefits for any loss or damage 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) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances; 9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

62

Elite
RoamRight

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits 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 accompany You during the Trip.

There will be a per article limit shown on Your Confirmation of Benefits.

There will be a combined maximum limit shown on Your Confirmation of Benefits 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; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company 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 Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

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.
b) The cost of repair or replacement.

63

Elite
RoamRight

Baggage & Personal Items Loss Benefits
$2,500 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $250 per item.

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, not to exceed $250.

We may take all or part of Your 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment); laptop or tablet computers; cell phones, PDA’s and similar mobile devices; and other digital or electronic equipment or media; and sporting equipment.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

64

Active
RoamRight

Baggage & Personal Items Loss Benefits
$2,500 per person $500 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits 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 accompany You during the Trip.

There will be a per article limit shown on Your Confirmation of Benefits.

There will be a combined maximum limit shown on Your Confirmation of Benefits 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, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company 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 Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

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.
b) The cost of repair or replacement.

65

Active
RoamRight

Baggage & Personal Items Loss Benefits
$2,500 per person $500 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS AND SPORTS EQUIPMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage and sports equipment which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $500 per item for Baggage and sports equipment.

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, not to exceed $500 per item for Baggage and sports equipment.

We may take all or part of Your damaged Baggage and sports equipment 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment); laptop or tablet computers; cell phones, PDA’s and similar mobile devices; and other digital or electronic equipment or media; and sporting equipment.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

The following exclusions and limitations apply to Baggage and Personal Effects and Sports Equipment, Baggage Delay, Business Equipment Rental and Sports Equipment Rental:

We will not provide benefits for any loss or damage to:

1) animals;

2) automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3) bicycles, except when checked as baggage with a Common Carrier;

4) household effects and furnishings; antiques and collector items;

5) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6) artificial limbs or other prosthetic devices;

7) keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8) sporting equipment if the loss results from the use thereof.

We will not provide benefits for any loss or damage 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) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

66

Adventure
RoamRight

Baggage & Personal Items Loss Benefits
$2,500 per person $500 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits 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 accompany You during the Trip.

There will be a per article limit shown on Your Confirmation of Benefits.

There will be a combined maximum limit shown on Your Confirmation of Benefits 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, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company 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 Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

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.
b) The cost of repair or replacement.

67

Adventure
RoamRight

Baggage & Personal Items Loss Benefits
$2,500 per person $500 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS AND SPORTS EQUIPMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, less any amount paid or payable by a party responsible for Your loss, for Your Baggage and sports equipment which is permanently lost, stolen, damaged or destroyed during Your Trip, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You for fees associated with the replacement of Your passport and visas which are lost, stolen, damaged or destroyed during Your Trip.

We will also reimburse You for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.
Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time Your Baggage is lost, stolen, damaged or destroyed;

2) the cost to repair or replace the item with material of a like kind and quality; or

3) $500 per item for Baggage and sports equipment.

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, not to exceed $500 per item for Baggage and sports equipment.

We may take all or part of Your damaged Baggage and sports equipment 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: a combined maximum of $500 (without a per item limit) will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras (and their accessories and related equipment); laptop or tablet computers; cell phones, PDA’s and similar mobile devices; and other digital or electronic equipment or media; and sporting equipment.

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

The following exclusions and limitations apply to Baggage and Personal Effects and Sports Equipment, Baggage Delay, Business Equipment Rental and Sports Equipment Rental:

We will not provide benefits for any loss or damage to:

1) animals;

2) automobiles and automobile equipment; boats or other vehicles or conveyances; motorcycles; trailers; motors; or aircraft;

3) bicycles, except when checked as baggage with a Common Carrier;

4) household effects and furnishings; antiques and collector items;

5) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, or retainers, or other orthodontic devices or hearing aids;

6) artificial limbs or other prosthetic devices;

7) keys, money, and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets, and documents (except as coverage is otherwise specifically provided herein);

8) sporting equipment if the loss results from the use thereof.

We will not provide benefits for any loss or damage 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) theft or pilferage while left in any unlocked or unattended vehicle;

5) property illegally acquired, kept, stored or transported;

6) Your negligent acts or omissions;

7) property shipped as freight or shipped prior to the Scheduled Departure Date;

8) electrical current, including electric arcing that damages or destroys electrical devices or appliances;

9) insects, vermin or inherent vice.

We will not provide benefits for any loss or damage to Your Baggage which has been reimbursed by a Common Carrier, hotel or Travel Supplier.

68

Multi-Trip
RoamRight

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits 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 accompany You during the Trip.

There will be a per article limit shown on Your Confirmation of Benefits.

There will be a combined maximum limit shown on Your Confirmation of Benefits 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; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company 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 Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

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.
b) The cost of repair or replacement.

69

Multi-Trip Medical excl US
RoamRight

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

70

Medical excl US
RoamRight

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

The Company will reimburse You, up to the amount stated in Your Schedule of Coverage and Service, Baggage and Personal Effects, for theft or damage to baggage and personal effects, checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover his/her property at all times. The baggage and personal effects must be owned by and accompany You at all times.

This 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.

The Company will pay the lesser of the following:
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. $50 per article.

71

Evacuation
RoamRight

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

Seven Corners Inc
Seven Corners Inc

72

RoundTrip
Seven Corners Inc

Baggage & Personal Items Loss Benefits
$1,000 per person $300 per item $1,000 specific items limit

Quote

Full Policy Wording

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 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 $1,000 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.

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.

The following exclusions apply to Baggage/Personal Effects, Baggage Delay: The Company will not provide benefits 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. Artificial 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.

73

RoundTrip Choice
Seven Corners Inc

Baggage & Personal Items Loss Benefits
$2,000 per person $500 per item $2,000 specific items limit

Quote

Full Policy Wording

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 Trip.

This coverage is secondary to any coverage provided by a Common Carrier. There will be a per article limit of $500.

There will be a combined maximum limit of $2,000 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.

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.

The following exclusions apply to Baggage/Personal Effects, Baggage Delay: The Company will not provide benefits 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. Artificial 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.

Any Loss caused by or resulting from the following is excluded:

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.

74

Liaison Continent excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

Loss of Checked Baggage: If the Insured’s checked luggage is permanently lost by the airline, the program will reimburse the Insured for the replacement of clothing and personal hygiene items lost to a maximum limit of $50 per article up to $250. This benefit is secondary to any other (including airline) coverage available. The Insured must furnish proof to the Company that full reimbursement has been obtained from the airline.

75

Liaison Majestic excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED LUGGAGE

Maximum Benefit Amount: $250

If the Insured’s checked luggage is permanently lost by the airline, the program will reimburse the Insured for the replacement of clothing and personal hygiene items lost to a maximum per article limit of $50. This benefit is secondary to any other (including airline) coverage available. The Insured must furnish proof to the Company that full reimbursement has been obtained from the airline. This policy will reimburse the Insured up to a maximum benefit of $250.

76

Liaison International excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits
$250 per person $50 per item

Quote

Full Policy Wording

BAGGAGE LOSS BENEFIT:

Benefits will be provided to the Plan Participant, up to the Maximum Benefit Amount shown in the Plan Participant’s Schedule of Benefits: (a) against all risks of permanent loss, theft or damage to the Plan Participant’s Baggage and Personal Effects; (b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Plan Participant’s Plan; and © occurring while coverage is in effect. For the purposes of this benefit: “Baggage and Personal Effects” means goods being used by the Plan Participant during the Plan Participant’s Trip. This benefit is secondary to any coverage provided by a Common Carrier. The Plan Participant must furnish proof to Us that full reimbursement has been obtained from the airline.

The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $50 per article.

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 collector’s items;

10) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software , Ipads, Ipods, Itouch, or any type of MP3 player or tablet.

77

Wander Frequent Traveler excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED LUGGAGE

Maximum Benefit Amount: $500

If the Insured’s checked luggage is permanently lost by the airline, the program will reimburse the Insured for the replacement of clothing and personal hygiene items lost to a maximum per article limit of $50. This benefit is secondary to any other (including airline) coverage available. The Insured must furnish proof to the Company that full reimbursement has been obtained from the airline.

Tin Leg
Tin Leg

78

Economy
Tin Leg

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following: (a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

This coverage is secondary to any coverage provided by a Common Carrier and shall apply only when such other benefits are exhausted. There is a per article limit shown on the Schedule of Benefits.

79

Standard
Tin Leg

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following: (a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

This coverage is secondary to any coverage provided by a Common Carrier and shall apply only when such other benefits are exhausted. There is a per article limit shown on the Schedule of Benefits.

80

Luxury
Tin Leg

Baggage & Personal Items Loss Benefits
$500 per person $100 per item

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

We will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and personal effects, provided You, Your Traveling Companion or Your Family Member has taken all reasonable measures to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and accompany You during the Covered Trip. If You have checked Your Baggage with a Common Carrier and delivery is delayed, coverage for Baggage will be extended until the Common Carrier delivers the property.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We 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. We will pay the lesser of the following: (a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

This coverage is secondary to any coverage provided by a Common Carrier and shall apply only when such other benefits are exhausted. There is a per article limit shown on the Schedule of Benefits.

Travel Insured International
Travel Insured International

81

Worldwide Trip Protector Lite
Travel Insured International

Baggage & Personal Items Loss Benefits
$750 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

COVERAGE G

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect. For the purposes of this benefit: “Baggage and Personal Effects” means goods being used by You during Your Trip.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $250 per article.

A combined maximum of $500 will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras and their accessories and related equipment, computer, digital or electronic equipment or media.

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 or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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) sporting equipment if the loss results from the use thereof; or

Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the actual expenditure for necessary personal effects. You 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.

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 Confirmation of Benefits, 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 Trip.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked [or unattended vehicle;

e) property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions; or

g) property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: 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.

Additional Claims Provisions Specific to Baggage Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property;

b) 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 Your property at the time of loss;

c) produce records needed to verify the claim and its amount ,and permit copies to be made;

d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items ; and

e) allow the company to examine baggage or personal effects, if requested.

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

82

Worldwide Trip Protector Plus
Travel Insured International

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect. For the purposes of this benefit: “Baggage and Personal Effects” means goods being used by You during Your Trip.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $250 per article.

A combined maximum of $500 will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras and their accessories and related equipment, computer, digital or electronic equipment or media.

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 or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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) sporting equipment if the loss results from the use thereof;

Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the actual expenditure for necessary personal effects. You 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.

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 Confirmation of Benefits, 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.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked or unattended vehicle;

e) property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions; or

g) property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: 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.

Additional Claims Provisions Specific to Baggage

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property:

b) 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 Your property at the time of loss:

c) produce records needed to verify the claim and its amount and permit copies to be made:

d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items : and

e) allow the company to examine baggage or personal effects, if requested.

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

83

Worldwide Trip Protector
Travel Insured International

Baggage & Personal Items Loss Benefits
$1,000 per person $250 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

For the purposes of this benefit: “Baggage and Personal Effects” means goods being used by You during Your Trip.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $250 per article.

A combined maximum of $500 will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras and their accessories and related equipment, computer, digital or electronic equipment or media.

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 or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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) sporting equipment if the loss results from the use thereof;

Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the actual expenditure for necessary personal effects. You 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.

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 Confirmation of Benefits, 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.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked or unattended vehicle;

e) property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions; or

g) property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: 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.

Additional Claims Provisions Specific to Baggage Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property:

b) 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 Your property at the time of loss:

c) produce records needed to verify the claim and its amount ,and permit copies to be made:

d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items : and

e) allow the company to examine baggage or personal effects, if requested.

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

Travelex Insurance Services
Travelex Insurance Services

84

Flight Insure Multi-trip - AD&D Only
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

85

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
$2,000 policy limit $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS BENEFITS

We will reimburse you, 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. 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 $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; articles consisting in whole or in part 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 $300 per item limit.

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.

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.

86

Flight Insure Plus - Flight AD&D Only
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

87

Flight Insure Plus - Package Plan
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
$2,000 policy limit $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS BENEFITS

We will reimburse you, 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. 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 $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; articles consisting in whole or in part 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 $300 per item limit.

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.

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.

88

Travel Basic
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
$500 per person $300 per item $500 specific items limit

Quote

Full Policy Wording

Baggage and Personal Effects Benefits

We will reimburse you, 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 100% 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 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious gems; articles consisting in whole or in part 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 $300 per item limit.

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.

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.

89

Travel Max
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
$2,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

Baggage and Personal Effects Benefits

We will reimburse you, 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 100% 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 $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious gems; articles consisting in whole or in part 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 $300 per item limit.

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.

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.

90

Travel Select
Travelex Insurance Services

Baggage & Personal Items Loss Benefits
$1,000 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

Baggage and Personal Effects Benefits

We will reimburse you, 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 100% 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 $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious gems; articles consisting in whole or in part 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 $300 per item limit.

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.

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.

TravelSafe
TravelSafe

91

Basic
TravelSafe

Baggage & Personal Items Loss Benefits
$500 per person $300 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $300 per article.

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.

A combined maximum of $500 will be paid for jewelry; precious or semi- precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras and their accessories and related equipment.

A maximum of $50 will be paid for the cost of replacing a passport or visa.

A maximum of $50 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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;

16) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software.

92

Basic
TravelSafe

Baggage & Personal Items Loss Benefits
$500 per person $300 per item $500 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $300 per article.

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, not to exceed $300 per article.

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.

A combined maximum of $500 will be paid for jewelry; precious or semi- precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras and their accessories and related equipment.

A maximum of $50 will be paid for the cost of replacing a passport or visa.

A maximum of $50 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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;

16) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software.

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked or unattended vehicle;

e) property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions; or

g) Your property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property:

b) 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 Your property at the time of loss:

c) produce records needed to verify the claim and its amount, and permit copies to be made:

d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items: and

e) allow Us to examine baggage or personal effects, if requested.

93

Classic
TravelSafe

Baggage & Personal Items Loss Benefits
$2,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $300 per article.

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.

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

A maximum of $50 will be paid for the cost of replacing a passport or visa.

A maximum of $50 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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;

16) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked vehicle;

e)property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions;

g) Your property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

94

Classic
TravelSafe

Baggage & Personal Items Loss Benefits
$2,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $300 per article.

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, not to exceed $300 per article.

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.

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

A maximum of $50 will be paid for the cost of replacing a passport or visa.

A maximum of $50 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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;

16) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked vehicle;

e)property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions;

g) Your property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

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 Trip Supplier.

Additional Claims Provisions Specific to Baggage

Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property;

b) 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 Your property at the time of loss;

c) produce records needed to verify the claim and its amount, and permit copies to be made;

d)send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items; and

e) allow Us to examine baggage or personal effects, if requested.

95

Classic Plus
TravelSafe

Baggage & Personal Items Loss Benefits
$2,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $300 per article.

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.

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

A maximum of $50 will be paid for the cost of replacing a passport or visa.

A maximum of $50 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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;

16) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked vehicle;

e)property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions;

g) Your property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Claims Provisions Specific to Baggage

Your Duties After Loss of or Damage to Property or Delay of Baggage:

In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property;

b) 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 Your property at the time of loss;

c) produce records needed to verify the claim and its amount, and permit copies to be made;

d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged / lost items; and

e) allow Us to examine baggage or personal effects, if requested.

96

Classic Plus
TravelSafe

Baggage & Personal Items Loss Benefits
$2,500 per person $300 per item $600 specific items limit

Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific to Baggage and Personal Effects in the Policy; and c) occurring while coverage is in effect.

Valuation and Payment of Loss: The lesser of the following amounts will be paid:

1) the Actual Cash Value at the time of loss, theft or damage, except as provided below;

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

3) $300 per article.

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, not to exceed $300 per article.

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.

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

A maximum of $50 will be paid for the cost of replacing a passport or visa.

A maximum of $50 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.

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, dentures, dental bridges, retainers, or other orthodontic devices or hearing aids;

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

13) keys, money, stamps and credit cards (except as otherwise specifically covered 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;

16) sporting equipment if the loss results from the use thereof; or

17) telephones or PDA devices, computer hardware or software.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

Benefits are not payable for any loss caused by or resulting from:

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

c) confiscation or appropriation by order of any government or custom’s rule;

d) theft or pilferage while left in any unlocked vehicle;

e)property illegally acquired, kept, stored or transported;

f) Your negligent acts or omissions;

g) Your property shipped as freight or shipped prior to the Scheduled Departure Date;

h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Additional Claims Provisions Specific to Baggage

Your Duties After Loss of or Damage to Property or Delay of Baggage:

In case of loss, theft, damage or delay of baggage or personal effects, and You must:

a) take all reasonable steps to protect, save or recover the property;

b) 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 Your property at the time of loss;

c) produce records needed to verify the claim and its amount, and permit copies to be made;

d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged / lost items; and

e) allow Us to examine baggage or personal effects, if requested.

Trawick International
Trawick International

97

Safe Travels USA
Trawick International

Baggage & Personal Items Loss Benefits
$1,000 per person $75 per item Checked luggage only

Quote

Full Policy Wording

Basic Lost Baggage Benefit

Up to $100 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500

In consideration of additional premium paid, under the Description of Benefits section on the certificate attached hereto, the following benefit is deleted: Basic Lost Baggage Benefit- up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

And replaced with:

In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier. Claims will not be considered unless proof of ownership and evidence of value is provided. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost. Proof of a missing bag report must be filed with the Common Carrier. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of: 1)$500 in respect of any one article, pair or set of articles; 2) $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

We will not pay benefits for any Baggage Loss and/or Theft that is caused by, or results from:

1. Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;

2. Any damage or loss or theft of property in transit, which has not been reported to the Common Carrier and written report obtained. In the case of an airline, a Passenger Irregularity Report will be required;

3. Loss or theft of any property left unattended in a public place;

4. Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst travelling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

98

Safe Travels International excl US
Trawick International

Baggage & Personal Items Loss Benefits
$1,000 per person $75 per item Checked luggage only

Quote

Full Policy Wording

Basic Lost Baggage Benefit

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500

In consideration of additional premium paid, under the Description of Benefits section on the certificate attached hereto, the following benefit is deleted: Basic Lost Baggage Benefit- up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

And replaced with:

In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier. Claims will not be considered unless proof of ownership and evidence of value is provided. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost. Proof of a missing bag report must be filed with the Common Carrier. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of: 1)$500 in respect of any one article, pair or set of articles; 2) $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

We will not pay benefits for any Baggage Loss and/or Theft that is caused by, or results from:

1. Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;

2. Any damage or loss or theft of property in transit, which has not been reported to the Common Carrier and written report obtained. In the case of an airline, a Passenger Irregularity Report will be required;

3. Loss or theft of any property left unattended in a public place;

4. Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst travelling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

99

Safe Travels USA Trip Protection
Trawick International

Baggage & Personal Items Loss Benefits
$1,000 per person $75 per item Checked luggage only

Quote

Full Policy Wording

Basic Lost Baggage Benefit- up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500 – In consideration of additional premium paid, under the Description of Benefits section on the certificate attached hereto, the following benefit is deleted:

Basic Lost Baggage Benefit- up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

And replaced with:

In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier. Claims will not be considered unless proof of ownership and evidence of value is provided. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost. Proof of a missing bag report must be filed with the Common Carrier. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of: 1)$500 in respect of any one article, pair or set of articles; 2) $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements. In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

We will not pay benefits for any Baggage Loss and/or Theft that is caused by, or results from:

1. Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;

2. Any damage or loss or theft of property in transit, which has not been reported to the Common Carrier and written report obtained. In the case of an airline, a Passenger Irregularity Report will be required;

3. Loss or theft of any property left unattended in a public place;

4. Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst travelling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, traveler’s checks or money orders.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

100

Safe Travels International Trip Protection excl US
Trawick International

Baggage & Personal Items Loss Benefits
$1,000 per person $75 per item Checked luggage only

Quote

Full Policy Wording

Basic Lost Baggage Benefit – Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500 – In consideration of additional premium paid, the benefit Lost Baggage is deleted and the following is added to the certificate:

Basic Lost Baggage Benefit- up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage. And replaced with:

In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier. Claims will not be considered unless proof of ownership and evidence of value is provided. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost. Proof of a missing bag report must be filed with the Common Carrier. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of: 1)$500 in respect of any one article, pair or set of articles; 2) $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements. In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

We will not pay benefits for any Baggage Loss and/or Theft that is caused by, or results from:

1. Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;

2. Any damage or loss or theft of property in transit, which has not been reported to the Common Carrier and written report obtained. In the case of an airline, a Passenger Irregularity Report will be required;

3. Loss or theft of any property left unattended in a public place;

4. Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst travelling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

101

Safe Travels International Cost Saver excl US
Trawick International

Baggage & Personal Items Loss Benefits
$1,000 per person $75 per item Checked luggage only

Quote

Full Policy Wording

Basic Lost Baggage Benefit -

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500 -

In consideration of additional premium paid, the benefit Lost Baggage is deleted and the following is added to the certificate:

In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide Us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of: 1) $500 in respect of any one article, pair or set of articles; 2) $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

We will not pay benefits for any Baggage Loss and/or Theft that is caused by, or results from:

1. Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;

2. Any damage or loss or theft of property in transit, which has not been reported to the Common Carrier and written report obtained. In the case of an airline, a Passenger Irregularity Report will be required;

3. Loss or theft of any property left unattended in a public place;

4. Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst traveling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

1. Claims will not be considered unless proof of ownership and evidence of value is provided.

2. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost.

3. Proof of a missing bag report must be filed with the Common Carrier.

4. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

We will not pay benefits for any Baggage Delay loss:

1. For any Necessities purchased after the return of the baggage;

2. For claims where proper receipts with date and time affixed were not presented;

3. For Delay on the return or Homeward Journey.

102

Safe Travels USA Cost Saver
Trawick International

Baggage & Personal Items Loss Benefits
$1,000 per person $75 per item Checked luggage only

Quote

Full Policy Wording

Basic Lost Baggage Benefit -

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500 -

In consideration of additional premium paid, the benefit Lost Baggage is deleted and the following is added to the certificate:
In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of:

1. $500 in respect of any one article, pair or set of articles;

2. $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

We will not pay benefits for any Baggage Loss and/or Theft that is caused by, or results from:

1. Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;

2. Any damage or loss or theft of property in transit, which has not been reported to the Common Carrier and written report obtained. In the case of an airline, a Passenger
Irregularity Report will be required;

3. Loss or theft of any property left unattended in a public place;

4. Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst travelling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. Deterioration or mechanical derangement of any kind;

9. Damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

1. Claims will not be considered unless proof of ownership and evidence of value is provided.

2. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost.

3. Proof of a missing bag report must be filed with the Common Carrier.

4. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

103

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier 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 at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

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

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

104

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier 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 at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

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

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

105

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier 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 at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

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

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

106

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier 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 at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

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

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

107

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier 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 at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

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

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

108

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Baggage & Personal Items Loss Benefits
$250 per person $50 per item Checked luggage only

Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier 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 at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

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

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.