Baggage & Personal Items Loss Full Policy Wording

Each policy’s Baggage & Personal Items Loss coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Choice
April Travel Protection

Baggage & Personal Items Loss Benefits

$500 per person
$250 per item
$500 specific items limit

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Full Policy Wording

BAGGAGE COVERAGE

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 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, sporting 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 consumables, medicines, perfumes, cosmetics and perishables; or

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

10. 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.

2

Choice
April Travel Protection

Baggage & Personal Items Loss Benefits

$500 per person
$250 per item
$500 specific items limit

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Full Policy Wording

BAGGAGE COVERAGE

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 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, sporting 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 consumables, medicines, perfumes, cosmetics and perishables; or

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

10. 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.

3

Annual Plan
April Travel Protection

Baggage & Personal Items Loss Benefits

$1,000 per person

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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, Sporting 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.

4

Pandemic Plus
April Travel Protection

Baggage & Personal Items Loss Benefits

$2,500 per person
$500 per item
$500 specific items limit

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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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

Arch RoamRight
Arch RoamRight

5

Essential
Arch RoamRight

Baggage & Personal Items Loss Benefits

$750 per person
$250 per item
$500 specific items limit

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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.

6

Preferred
Arch RoamRight

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$500 specific items limit

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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.

7

Multi-Trip
Arch RoamRight

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$500 specific items limit

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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.

AXA Assistance USA
AXA Assistance USA

8

Silver
AXA Assistance USA

Baggage & Personal Items Loss Benefits

$750 per person
$150 per item
$250 specific items limit

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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, including, but not limited to sporting equipment, 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: 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.

9

Gold
AXA Assistance USA

Baggage & Personal Items Loss Benefits

$1,500 per person
$250 per item
$500 specific items limit

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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, including, but not limited to sporting equipment, 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; 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.

10

Platinum
AXA Assistance USA

Baggage & Personal Items Loss Benefits

$3,000 per person
$500 per item
$1,000 specific items limit

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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, including, but not limited to sporting equipment, 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; 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.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

11

Beacon America incl US
Azimuth Risk Solutions, LLC

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item
Checked luggage only

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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 thirty (30) days.

12

Beacon International excl US
Azimuth Risk Solutions, LLC

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item
Checked luggage only

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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 thirty (30) days.

battleface
battleface

13

Travel Medical Single Trip
battleface

Baggage & Personal Items Loss Benefits

$2,500 per person
$1,250 per item
$100 deductible policy limit

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Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will pay you the lesser of:

a. The actual cash value as determined by us; or

b. The cost of replacement, up to the maximum limit shown in the schedule of benefits, and subject to the special limitations shown below, for loss, theft or damage to your baggage, and personal effects during your covered trip.

We will also pay for fees incurred to ship your baggage, and personal effects to your location if the lost items are recovered. Benefits are payable only after satisfaction of the deductible shown in the schedule of benefits.

Special Limitations:

We will reimburse you up to:

a. One thousand, two hundred fifty ($1,250) per item.

Items over one hundred fifty dollars ($150) must be accompanied by original receipts. If receipts are not provided, the maximum amount payable will be one hundred fifty dollars ($150).

In the event of a loss to a pair or set of items, we will pay the lesser of:

a. The cost to repair or purchase the individual item(s) needed to complete the set or pair; or

b. The original purchase price of the set or pair.

In the event of a loss of your prescription medication, we will reimburse you only for the cost to replace the amount of prescriptions drugs that were lost, stolen, or damaged. The prescribing physician must authorize the replacement and it must be legally permissible to replace the prescription at your location.

Baggage and Personal Effects maximum limit shown in the schedule of benefits also includes:

a. Losses due to unauthorized use of your credit cards if they are lost or stolen during the covered trip.

However, this benefit will not apply if you have failed to comply with all requirements imposed by the issuing credit card companies; and

b. The cost to replace your passport or visa if it is lost, stolen or damaged during the covered trip. The loss, theft or damage must be documented by a police report.

Baggage and Personal Effects Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage and Personal Effects benefit. No benefits will be paid for:

a. Loss of, or damage to, motor vehicles;
b. Loss of, or damage to, artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
c. Loss of, or damage to, keys, notes, securities, accounts, deeds, food stamps, bills, or other evidences of debt, money, stamps, stocks and bonds, postal or money orders, and tickets;
d. Loss of, or damage to, property shipped as freight, or shipped prior to the departure date;
e. Loss of, or damage to, contraband;
f. Loss of, or damage to, items seized by any government official or customs official;
g. Damage caused by any process of repair;
h. Loss resulting from defective materials or craftsmanship;
i. Damage caused by radioactive contamination;
j. Loss resulting from mysterious disappearance; or Loss resulting from normal wear and tear or deterioration.

Baggage Proof of Loss

You must provide us or our designated representative with the following:

a. An accident, police, or incident report providing details of the incident;
b. Receipts for all items being claimed;
c. A copy of a repair invoice or estimate, if the claim is for damaged baggage; and
d. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.

14

Adventure Travel Single Trip
battleface

Baggage & Personal Items Loss Benefits

$2,500 per person
$1,250 per item
$250 deductible policy limit

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Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

We will pay you the lesser of:

a. The actual cash value as determined by us; or
b. The cost of replacement, up to the maximum limit shown in the schedule of benefits, and subject to the special limitations shown below, for loss, theft or damage to your baggage and personal effects during your covered trip.

We will also pay for fees incurred to ship your baggage and personal effects to your location if the lost items are recovered. Benefits are payable only after satisfaction of the deductible shown in the schedule of benefits.

Special Limitations:

We will reimburse you up to:

a. One thousand, two hundred fifty ($1,250) per item.

Items over one hundred fifty dollars ($150) must be accompanied by original receipts. If receipts are not provided, the maximum amount payable will be one hundred fifty dollars ($150).

In the event of a loss to a pair or set of items, we will pay the lesser of:

a. The cost to repair or purchase the individual item(s) needed to complete the set or pair; or
b. The original purchase price of the set or pair.

In the event of a loss of your prescription medication, we will reimburse you only for the cost to replace the amount of prescriptions drugs that were lost, stolen, or damaged.

The prescribing physician must authorize the replacement and it must be legally permissible to replace the prescription at your location.

Baggage and Personal Effects maximum limit shown in the schedule of benefits also includes:

a. Losses due to unauthorized use of your credit cards if they are lost or stolen during the covered trip. However, this benefit will not apply if you have failed to comply with all requirements imposed by the issuing credit card companies; and

b The cost to replace your passport or visa if it is lost, stolen or damaged during the covered trip. The loss, theft or damage must be documented by a police report.

Baggage and Personal Effects Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage and Personal Effects benefit. No benefits will be paid for:

a. Loss of, or damage to, motor vehicles;
b. Loss of, or damage to, artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
c. Loss of, or damage to, keys, notes, securities, accounts, deeds, food stamps, bills, or other evidences of debt, money, stamps, stocks and bonds, postal or money orders, and tickets;
d. Loss of, or damage to, property shipped as freight, or shipped prior to the departure date;
e. Loss of, or damage to, contraband;
f. Loss of, or damage to, items seized by any government official or customs official;
g. Damage caused by any process of repair;
h. Loss resulting from defective materials or craftsmanship;
i. Damage caused by radioactive contamination;
j. Loss resulting from mysterious disappearance;
k. Loss resulting from normal wear and tear or deterioration; or
l. Any loss that occurs on a covered trip with a destination less than one hundred (100) miles from your primary residence, or on a covered trip that is not overnight in length.

Baggage Proof of Loss

You must provide us or our designated representative with the following:

a. An accident, police, or incident report providing details of the incident;
b. Receipts for all items being claimed;
c. A copy of a repair invoice or estimate, if the claim is for damaged baggage; and
d. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Baggage & Personal Items Loss Benefits

$1,000 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents or visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:
· $500 for the first item
· $250 per each additional item
· $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:
a) repair or replace any part to restore the pair or set to its value before the Loss; or
b) pay the difference between the cash value of the Baggage before and after the Loss.

16

ExactCare Value
Berkshire Hathaway Travel Protection

Baggage & Personal Items Loss Benefits

$750 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit
$50 deductible

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $500 for the first item
• $250 per each additional item
• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

17

LuxuryCare
Berkshire Hathaway Travel Protection

Baggage & Personal Items Loss Benefits

$2,500 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents, sporting or golf equipment and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $500 for the first item
• $250 per each additional item
• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting, golf equipment, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage or sporting and golf equipment at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

Cat 70
Cat 70

18

Travel Plan
Cat 70

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item
$250 specific items limit

Start a New Search

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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

Generali Global Assistance
Generali Global Assistance

19

Standard
Generali Global Assistance

Baggage & Personal Items Loss Benefits

$1,000 per person

Start a New Search

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, Sporting 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.

20

Preferred
Generali Global Assistance

Baggage & Personal Items Loss Benefits

$1,500 per person

Start a New Search

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, Sporting 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.

21

Premium
Generali Global Assistance

Baggage & Personal Items Loss Benefits

$2,000 per person

Start a New Search

Full Policy Wording

BAGGAGE COVERAGE

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 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, Sporting 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

22

Voyager Choice
GeoBlue

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item

Start a New Search

Full Policy Wording

Lost Baggage and Personal Effects

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

If Baggage or Personal Effects are lost, damaged or stolen, the Company will pay the loss, up to the maximum amount indicated on the Benefit Overview Matrix, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

You must notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of Your property within 24 hours after the loss. Finally, You must file written proof of loss with the Company within 90 days from the date of loss, except as otherwise prohibited by law, attaching copies of airline, cruise line or Common Carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.

The baggage and personal effects must be owned by and accompany You at all times.

Property or losses not covered:
- Animals;
- Property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
- Boats, motors, motorcycles, motor vehicles, aircraft and other conveyances or equipment, or parts for such conveyances;
- Bicycles, skis, snowboards (except when checked with a Common Carrier);
- Eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs;
- Keys, money, securities, bullion, stamps, credit cards, and deeds;
- Documents or tickets, except for the administrative fees required to reissue tickets or documents;
- Property shipped as freight or shipped prior to Your Trip departure date;
- Rugs or carpets of any type;
- Perishables, medicines, perfumes, cosmetics and consumables;
- Property that is left in or on a car trailer;
- Property that is left in a vehicle if the vehicle is not properly secured;
- Damage due to electrical current, including electric arcing that damages or destroys electrical devices or appliances;
- Damage to the property resulting from defective materials or workmanship, ordinary wear and tear, and normal deterioration.

The plan will pay the lesser of:

- The maximum coverage available under the plan; or
- The actual purchase price of a similar item; or
- The cost to repair or replace the item.

No coverage will be provided for loss(es) due to any General Exclusion.

Please refer to the Benefit Overview Matrix for the maximum coverage amount available under this Certificate of Coverage.

For the purposes of this coverage, the following definitions apply:

Baggage means luggage and personal possessions, whether owned, borrowed or rented, taken by You on the Trip.

Personal Effects are items carried on your person while traveling and include items in a brief case, purse, pocketbook or backpack. Personal effects reimbursement includes, but is not limited to: items of clothing worn on your person, jewelry, passport, computer equipment, cameras and mobile devices.

Common Carrier means an entity licensed to carry passengers for hire on land, water or air, excluding vehicle rental companies.

23

Voyager Essential
GeoBlue

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item

Start a New Search

Full Policy Wording

Lost Baggage and Personal Effects

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

If Baggage or Personal Effects are lost, damaged or stolen, the Company will pay the loss, up to the maximum amount indicated on the Benefit Overview Matrix, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

You must notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of Your property within 24 hours after the loss. Finally, You must file written proof of loss with the Company within 90 days from the date of loss, except as otherwise prohibited by law, attaching copies of airline, cruise line or Common Carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.

The baggage and personal effects must be owned by and accompany You at all times.

Property or losses not covered:
- Animals;
- Property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
- Boats, motors, motorcycles, motor vehicles, aircraft and other conveyances or equipment, or parts for such conveyances;
- Bicycles, skis, snowboards (except when checked with a Common Carrier);
- Eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs;
- Keys, money, securities, bullion, stamps, credit cards, and deeds;
- Documents or tickets, except for the administrative fees required to reissue tickets or documents;
- Property shipped as freight or shipped prior to Your Trip departure date;
- Rugs or carpets of any type;
- Perishables, medicines, perfumes, cosmetics and consumables;
- Property that is left in or on a car trailer;
- Property that is left in a vehicle if the vehicle is not properly secured;
- Damage due to electrical current, including electric arcing that damages or destroys electrical devices or appliances;
- Damage to the property resulting from defective materials or workmanship, ordinary wear and tear, and normal deterioration.

The plan will pay the lesser of:

- The maximum coverage available under the plan; or
- The actual purchase price of a similar item; or
- The cost to repair or replace the item.

No coverage will be provided for loss(es) due to any General Exclusion.

Please refer to the Benefit Overview Matrix for the maximum coverage amount available under this Certificate of Coverage.

For the purposes of this coverage, the following definitions apply:

Baggage means luggage and personal possessions, whether owned, borrowed or rented, taken by You on the Trip.

Personal Effects are items carried on your person while traveling and include items in a brief case, purse, pocketbook or backpack. Personal effects reimbursement includes, but is not limited to: items of clothing worn on your person, jewelry, passport, computer equipment, cameras and mobile devices.

Common Carrier means an entity licensed to carry passengers for hire on land, water or air, excluding vehicle rental companies.

24

Trekker Choice excl US
GeoBlue

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item

Start a New Search

Full Policy Wording

Lost Baggage and Personal Effects

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

If Baggage or Personal Effects are lost, damaged or stolen, the Company will pay the loss, up to the maximum amount indicated on the Benefit Overview Matrix, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

You must notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of Your property within 24 hours after the loss. Finally, You must file written proof of loss with the Company within 90 days from the date of loss, except as otherwise prohibited by law, attaching copies of airline, cruise line or Common Carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.

The baggage and personal effects must be owned by and accompany You at all times.

Property or losses not covered:

• Animals;
• Property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
• Boats, motors, motorcycles, motor vehicles, aircraft and other conveyances or equipment, or parts for such conveyances;
• Bicycles, skis, snowboards (except when checked with a Common Carrier);
• Eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs;
• Keys, money, securities, bullion, stamps, credit cards, and deeds;
• Documents or tickets, except for the administrative fees required to reissue tickets or documents;
• Property shipped as freight or shipped prior to Your Trip departure date;
• Rugs or carpets of any type;
• Perishables, medicines, perfumes, cosmetics and consumables;
• Property that is left in or on a car trailer;
• Property that is left in a vehicle if the vehicle is not properly secured;
• Damage due to electrical current, including electric arcing that damages or destroys electrical devices or appliances;
• Damage to the property resulting from defective materials or workmanship, ordinary wear and tear, and normal deterioration.

The plan will pay the lesser of:

• The maximum coverage available under the plan; or
• The actual purchase price of a similar item; or
• The cost to repair or replace the item.

No coverage will be provided for loss(es) due to any General Exclusion.

Please refer to the Benefit Overview Matrix for the maximum coverage amount available under this Certificate of Coverage.

For the purposes of this coverage, the following definitions apply:

Baggage means luggage and personal possessions, whether owned, borrowed or rented, taken by You on the Trip.

Personal Effects are items carried on your person while traveling and include items in a brief case, purse, pocketbook or backpack. Personal effects reimbursement includes, but is not limited to: items of clothing worn on your person, jewelry, passport, computer equipment, cameras and mobile devices.

Common Carrier means an entity licensed to carry passengers for hire on land, water or air, excluding vehicle rental companies.

25

Trekker Essential excl US
GeoBlue

Baggage & Personal Items Loss Benefits

No coverage

Start a New Search

Full Policy Wording

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

Global Underwriters
Global Underwriters

26

Diplomat America
Global Underwriters

Baggage & Personal Items Loss Benefits

$250 per person
$50 per item
Checked luggage only

Start a New Search

Full Policy Wording

Loss of Baggage

Benefits will be provided to the Plan Participant, up to the Maximum Benefit Amount shown in the Plan Participant’s Schedule of Benefits for Baggage and Personal Effects that have been checked with a Common Carrier:

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

c) 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 plan will pay the lesser of:

1) The actual cash value (Expense less proper deduction for depreciation at the time of loss, theft or damage);

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

3) $50 per article, to a maximum of $250.

27

Diplomat International
Global Underwriters

Baggage & Personal Items Loss Benefits

$250 per person
$50 per item
Checked luggage only

Start a New Search

Full Policy Wording

Loss of Baggage -

Benefits will be provided to the Plan Participant, up to the Maximum Benefit Amount shown in the Plan Participant’s Schedule of Benefits for Baggage and Personal Effects that have been checked with a Common Carrier: 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 c) 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 plan will pay the lesser of: 1) The actual cash value (Expense less proper deduction for depreciation at the time of loss, theft or damage); 2) The Expense to repair or replace the article with material of a like kind and quality; or 3) $50 per article, to a maximum of $250.

28

Diplomat LT excl US
Global Underwriters

Baggage & Personal Items Loss Benefits

$250 per person
$50 per item
Checked luggage only

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Full Policy Wording

Loss of Baggage

Benefits will be provided to the Plan Participant, up to the Maximum Benefit Amount shown in the Plan Participant’s Schedule of Benefits for Baggage and Personal Effects that have been checked with a Common Carrier: 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 c) 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 plan will pay the lesser of:

1) The actual cash value (Expense less proper deduction for depreciation at the time of loss, theft or damage);
2) The Expense to repair or replace the article with material of a like kind and quality; or
3) $50 per article, to a maximum of $250.

29

Diplomat LT incl US
Global Underwriters

Baggage & Personal Items Loss Benefits

$250 per person
$50 per item
Checked luggage only

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Full Policy Wording

Loss of Baggage

Benefits will be provided to the Plan Participant, up to the Maximum Benefit Amount shown in the Plan Participant’s Schedule of Benefits for Baggage and Personal Effects that have been checked with a Common Carrier: 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 c) 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 plan will pay the lesser of:

1) The actual cash value (Expense less proper deduction for depreciation at the time of loss, theft or damage);
2) The Expense to repair or replace the article with material of a like kind and quality; or
3) $50 per article, to a maximum of $250.

HTH Travel Insurance
HTH Travel Insurance

30

TravelGap Voyager excl US
HTH Travel Insurance

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, provided You have taken all measures possible 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 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.

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

There will be a combined Maximum Benefit as 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; Personal Computers, cameras and their accessories and related equipment.

EXTENSION OF COVERAGE

If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.

31

TripProtector Preferred
HTH Travel Insurance

Baggage & Personal Items Loss Benefits

$2,000 per person
$500 per item
$1,000 specific items limit

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

TravelGap Excursion excl US
HTH Travel Insurance

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, provided You have taken all measures possible 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 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.

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

There will be a combined Maximum Benefit as 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; Personal Computers, cameras and their accessories and related equipment.

EXTENSION OF COVERAGE

If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.

33

TripProtector Economy
HTH Travel Insurance

Baggage & Personal Items Loss Benefits

$750 per person
$250 per item
$500 specific items limit

Start a New Search

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.

34

TripProtector Classic
HTH Travel Insurance

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$500 specific items limit

Start a New Search

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.

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

35

Bronze
John Hancock Insurance Agency, Inc.

Baggage & Personal Items Loss Benefits

$750 per person
$250 per item
$750 specific items limit

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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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

36

Silver
John Hancock Insurance Agency, Inc.

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$1,000 specific items limit

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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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

37

Gold
John Hancock Insurance Agency, Inc.

Baggage & Personal Items Loss Benefits

$2,500 per person
$250 per item
$2,500 specific items limit

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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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

MedjetAssist
MedjetAssist

38

Annual Membership
MedjetAssist

Baggage & Personal Items Loss Benefits

No coverage

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Full Policy Wording

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

39

MedjetAssist Extended Stay
MedjetAssist

Baggage & Personal Items Loss Benefits

No coverage

Start a New Search

Full Policy Wording

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

40

MedjetAssist Short Term Plan
MedjetAssist

Baggage & Personal Items Loss Benefits

No coverage

Start a New Search

Full Policy Wording

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

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

41

Essential
Nationwide Mutual Insurance Company

Baggage & Personal Items Loss Benefits

$600 per person
$250 per item
$500 specific items limit

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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.

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; 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.

42

Prime
Nationwide Mutual Insurance Company

Baggage & Personal Items Loss Benefits

$2,000 per person
$250 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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.

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; 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.

43

Cruise Universal
Nationwide Mutual Insurance Company

Baggage & Personal Items Loss Benefits

$1,500 per person
$300 per item
$600 specific items limit

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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, including, but not limited to sporting equipment, 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.

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.

44

Cruise Choice
Nationwide Mutual Insurance Company

Baggage & Personal Items Loss Benefits

$2,500 per person
$300 per item
$600 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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, including, but not limited to sporting equipment, 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.

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.

45

Cruise Luxury
Nationwide Mutual Insurance Company

Baggage & Personal Items Loss Benefits

$2,500 per person
$500 per item
$1,000 specific items limit

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Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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, including, but not limited to sporting equipment, 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.

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.

Seven Corners Inc
Seven Corners Inc

46

RoundTrip Choice
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$1,500 per person
$300 per item
$1,000 specific items limit

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Full Policy Wording

COVERAGE E

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Schedule 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) $300 per article.

A combined maximum of $1,000 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 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) 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; or
g) property shipped as freight or shipped prior to the Scheduled Departure Date;

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.

47

RoundTrip Economy
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$500 per person
$300 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Schedule 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) $300 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.

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 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) 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; or

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

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.

48

RoundTrip Elite
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$2,500 per person
$300 per item
$1,000 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Schedule 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) $300 per article.

A combined maximum of $1,000 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 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) telephones or PDA devices , computer hardware or software;

49

Wander Frequent Traveler excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$500 per occurrence
$50 per item
Checked luggage only

Start a New Search

Full Policy Wording

Loss of Checked Baggage:

Maximum Benefit Amount: $500

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for lost baggage and personal effects owned by You and checked with a Common Carrier provided You have taken all reasonable measures to protect, save, and recover the property at all times. Also, You must submit a copy of the Common Carrier’s claim form and such other documentation as the Company may reasonably require. Reimbursement will be for the least of (i) the actual cash value (cost less proper deduction for depreciation at the time of loss); (ii) the cost to repair or replace the article with material of a like kind and quality; or (iii) the per article limit set forth in the Schedule of Benefits. This coverage is secondary to any coverage provided by the Common Carrier, and You will be required to furnish proof to the Company that the Common Carrier has paid the full amount that it is legally required to pay.

The coverage provided by the Certificate under this Section 6.4 does not cover animals, automobiles or automobile equipment, boats, motors, motorcycles, other conveyances or their appurtenances except bicycles while checked as baggage with a Common Carrier, household furniture, eyeglasses or contact lenses, artificial teeth or dental bridges, hearing aids, prosthetic limbs, musical instruments, money or securities, tickets or documents, or sporting equipment if loss or damage results from the use thereof.

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

50

Liaison Travel Choice excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$500 per person
$50 per item
Checked luggage only

Start a New Search

Full Policy Wording

Loss of Checked Baggage:

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for lost baggage and personal effects owned by You and checked with a Common Carrier provided You have taken all reasonable measures to protect, save, and recover the property at all times. Also, You must submit a copy of the Common Carrier’s claim form and such other documentation as the Company may reasonably require. Reimbursement will be for the least of (i) the actual cash value (cost less proper deduction for depreciation at the time of loss); (ii) the cost to repair or replace the article with material of a like kind and quality; or (iii) per article limited set forth in the Schedule of Benefits. This coverage is secondary to any coverage provided by the Common Carrier, and You will be required to furnish proof to the Company that the Common Carrier has paid the full amount that it is legally required to pay.

The coverage provided by the Certificate under this Section 6.4 does not cover animals, automobiles or automobile equipment, boats, motors, motorcycles, other conveyances or their appurtenances except bicycles while checked as baggage with a Common Carrier, household furniture, eyeglasses or contact lenses, artificial teeth or dental bridges, hearing aids, prosthetic limbs, musical instruments, money or securities, tickets or documents, or sporting equipment if loss or damage results from the use thereof. These benefits will not duplicate any other benefits payable under the Plan or any coverage(s) attached to the Plan.

51

Liaison Travel Basic excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$250 per person
$50 per item
Checked luggage only

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Full Policy Wording

Loss of Checked Baggage.

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for lost baggage and personal effects owned by You and checked with a Common Carrier provided You have taken all reasonable measures to protect, save, and recover the property at all times. Also, You must submit a copy of the Common Carrier’s claim form and such other documentation as the Company may reasonably require.

Reimbursement will be for the least of (i) the actual cash value (cost less proper deduction for depreciation at the time of loss); (ii) the cost to repair or replace the article with material of a like kind and quality; or (iii) per article limited set forth in the Schedule of Benefits. This coverage is secondary to any coverage provided by the Common Carrier, and You will be required to furnish proof to the Company that the Common Carrier has paid the full amount that it is legally required to pay.

The coverage provided by the Certificate under this Section 6.4 does not cover animals, automobiles or automobile equipment, boats, motors, motorcycles, other conveyances or their appurtenances except bicycles while checked as baggage with a Common Carrier, household furniture, eyeglasses or contact lenses, artificial teeth or dental bridges, hearing aids, prosthetic limbs, musical instruments, money or securities, tickets or documents, or sporting equipment if loss or damage results from the use thereof.

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

52

Liaison Travel Plus excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$500 per person
$50 per item
Checked luggage only

Start a New Search

Full Policy Wording

6.4 Loss of Checked Baggage.

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for lost baggage and personal effects owned by You and checked with a Common Carrier provided You have taken all reasonable measures to protect, save, and recover the property at all times. Also, You must submit a copy of the Common Carrier’s claim form and such other documentation as the Company may reasonably require. Reimbursement will be for the least of (i) the actual cash value (cost less proper deduction for depreciation at the time of loss); (ii) the cost to repair or replace the article with material of a like kind and quality; or (iii) per article limited set forth in the Schedule of Benefits. This coverage is secondary to any coverage provided by the Common Carrier, and You will be required to furnish proof to the Company that the Common Carrier has paid the full amount that it is legally required to pay.

The coverage provided by the Certificate under this Section 6.4 does not cover animals, automobiles or automobile equipment, boats, motors, motorcycles, other conveyances or their appurtenances except bicycles while checked as baggage with a Common Carrier, household furniture, eyeglasses or contact lenses, artificial teeth or dental bridges, hearing aids, prosthetic limbs, musical instruments, money or securities, tickets or documents, or sporting equipment if loss or damage results from the use thereof.

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

53

Wander Frequent Traveler Plus excl US
Seven Corners Inc

Baggage & Personal Items Loss Benefits

$500 per occurrence
$50 per item
Checked luggage only

Start a New Search

Full Policy Wording

Loss of Checked Baggage:

Maximum Benefit Amount: $500

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for lost baggage and personal effects owned by You and checked with a Common Carrier provided You have taken all reasonable measures to protect, save, and recover the property at all times. Also, You must submit a copy of the Common Carrier’s claim form and such other documentation as the Company may reasonably require. Reimbursement will be for the least of (i) the actual cash value (cost less proper deduction for depreciation at the time of loss); (ii) the cost to repair or replace the article with material of a like kind and quality; or (iii) the per article limit set forth in the Schedule of Benefits. This coverage is secondary to any coverage provided by the Common Carrier, and You will be required to furnish proof to the Company that the Common Carrier has paid the full amount that it is legally required to pay.

The coverage provided by the Certificate under this Section 6.4 does not cover animals, automobiles or automobile equipment, boats, motors, motorcycles, other conveyances or their appurtenances except bicycles while checked as baggage with a Common Carrier, household furniture, eyeglasses or contact lenses, artificial teeth or dental bridges, hearing aids, prosthetic limbs, musical instruments, money or securities, tickets or documents, or sporting equipment if loss or damage results from the use thereof.

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

Tin Leg
Tin Leg

54

Economy
Tin Leg

Baggage & Personal Items Loss Benefits

$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $100 for the first item
• $100 per each additional item
• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players. Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

55

Standard
Tin Leg

Baggage & Personal Items Loss Benefits

$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit
$25 deductible

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $100 for the first item

• $100 per each additional item

• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players. Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

56

Luxury
Tin Leg

Baggage & Personal Items Loss Benefits

$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents or visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

● $100 for the first item
● $100 per each additional item
● $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

57

Adventure
Tin Leg

Baggage & Personal Items Loss Benefits

$1,000 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents, sporting or golf equipment and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $500 for the first item

• $500 per each additional item

• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting, golf equipment, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage or sporting and golf equipment at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

58

Gold
Tin Leg

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item
$250 specific items limit

Start a New Search

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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

59

USA Only
Tin Leg

Baggage & Personal Items Loss Benefits

$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $100 for the first item
• $100 per each additional item
• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players. Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

Travelex Insurance Services
Travelex Insurance Services

60

Travel Basic
Travelex Insurance Services

Baggage & Personal Items Loss Benefits

$500 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $500 for the first item

• $250 per each additional item

• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

61

Flight Insure Plus
Travelex Insurance Services

Baggage & Personal Items Loss Benefits

$1,000 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS

If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

Special Limitations:

Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

• $500 for the first item
• $250 per each additional item
• $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

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

b) pay the difference between the cash value of the Baggage before and after the Loss.

TravelSafe
TravelSafe

62

Basic
TravelSafe

Baggage & Personal Items Loss Benefits

$500 per person
$300 per item
$500 specific items limit

Start a New Search

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;

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; 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.

Additional Claims Provisions Specific to Baggage

Insured’s Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, 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.

63

Classic
TravelSafe

Baggage & Personal Items Loss Benefits

$2,500 per person
$300 per item
$600 specific items limit

Start a New Search

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; 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.

Additional Claims Provisions Specific to Baggage

Insured’s Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, 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.

64

Classic Plus
TravelSafe

Baggage & Personal Items Loss Benefits

$2,500 per person
$300 per item
$600 specific items limit

Start a New Search

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; 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.

Additional Claims Provisions Specific to Baggage

Insured’s Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, 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.

Trawick International
Trawick International

65

Safe Travels USA
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per person
$75 per item
Checked luggage only

Start a New Search

Full Policy Wording

LOST BAGGAGE

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article. Benefits are payable if a Covered Person’s 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. The Covered Person 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 the Covered Person its normal reimbursement for the lost, stolen or damaged luggage.

66

Safe Travels International Cost Saver excl US
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per person
$75 per item
Checked luggage only

Start a New Search

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.

67

Safe Travels USA Cost Saver
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per person
$75 per item
Checked luggage only

Start a New Search

Full Policy Wording

LOST BAGGAGE

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article. Benefits are payable if a Covered Person’s 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. The Covered Person 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 the Covered Person its normal reimbursement for the lost, stolen or damaged luggage.

68

Safe Travels USA Comprehensive
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per person
$75 per item
Checked luggage only

Start a New Search

Full Policy Wording

LOST BAGGAGE

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article. Benefits are payable if a Covered Person’s 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. The Covered Person 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 the Covered Person its normal reimbursement for the lost, stolen or damaged luggage.

69

Safe Travels Single Trip
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/ PERSONAL EFFECTS

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.

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; 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.

70

Safe Travels First Class
Trawick International

Baggage & Personal Items Loss Benefits

$2,000 per person
$500 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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.

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; 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.

71

Safe Travels Outbound excl US
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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.

72

Safe Travels Outbound Cost Saver excl US
Trawick International

Baggage & Personal Items Loss Benefits

$500 per person
$100 per item
$250 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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.

73

Safe Travels Annual Executive
Trawick International

Baggage & Personal Items Loss Benefits

$1,000 per trip
$250 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You and/or the Traveling Companion sustains Loss, theft or damage to baggage and personal effects during the Trip, including, but not limited to sporting equipment, provided You, and/or the Traveling Companion 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 and/or the Traveling Companion 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 and/or the Traveling Companion 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.

74

Safe Travels Annual Deluxe
Trawick International

Baggage & Personal Items Loss Benefits

$750 per trip
$150 per item
$250 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You and/or the Traveling Companion sustains Loss, theft or damage to baggage and personal effects during the Trip, including, but not limited to sporting equipment, provided You, and/or the Traveling Companion 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 and/or the Traveling Companion 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 and/or the Traveling Companion 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.

75

Safe Travels Annual Basic
Trawick International

Baggage & Personal Items Loss Benefits

$500 per trip
$100 per item
$250 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You and/or the Traveling Companion sustains Loss, theft or damage to baggage and personal effects during the Trip, including, but not limited to sporting equipment, provided You, and/or the Traveling Companion 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 and/or the Traveling Companion 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 and/or the Traveling Companion 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.

76

Safe Travels Explorer
Trawick International

Baggage & Personal Items Loss Benefits

$750 per person
$200 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, provided You have taken all measures possible 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 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.

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

There will be a combined Maximum Benefit as 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; cameras and their accessories and related equipment.

EXTENSION OF COVERAGE

If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.

77

Safe Travels Journey
Trawick International

Baggage & Personal Items Loss Benefits

$2,000 per person
$200 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, provided You have taken all measures possible 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 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.

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

There will be a combined Maximum Benefit as 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; cameras and their accessories and related equipment.

EXTENSION OF COVERAGE

If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.

78

Safe Travels Voyager
Trawick International

Baggage & Personal Items Loss Benefits

$2,500 per person
$300 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

This coverage is subject to any coverage provided by a Common Carrier and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, provided You have taken all measures possible 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 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.

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

There will be a combined Maximum Benefit as 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; cameras and their accessories and related equipment.

EXTENSION OF COVERAGE

If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.

79

Safe Travels Explorer Plus
Trawick International

Baggage & Personal Items Loss Benefits

$750 per person
$200 per item
$500 specific items limit

Start a New Search

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.

PERSONAL EFFECTS AND PROPERTY

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, provided You have taken all measures possible 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 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.

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

There will be a combined Maximum Benefit as 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; cameras and their accessories and related equipment.

EXTENSION OF COVERAGE

If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services

80

Ruby
USI Affinity Travel Insurance Services

Baggage & Personal Items Loss Benefits

$1,000 per person
$250 per item
$500 specific items limit

Start a New Search

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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that 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.

81

Diamond
USI Affinity Travel Insurance Services

Baggage & Personal Items Loss Benefits

$2,500 per person
$300 per item
$500 specific items limit

Start a New Search

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 that 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. Original receipts and a police report from the local jurisdiction (in the event of theft) must be provided for reimbursement. 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, 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 provided that You have complied with all credit card conditions imposed by the credit card company(ies). 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.