What is Baggage & Personal Items Loss?

Baggage & Personal Items Loss

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

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

Coverage Description

Provides reimbursement for lost, stolen or damaged baggage or personal items. This coverage is usually for your entire trip, not just your flight. If you have items valued over $1000 it is best to have these items “scheduled” on your home-owners policy.

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

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual
No coverage Quote

Full Policy Wording

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

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months
No coverage Quote

Full Policy Wording

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

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months
No coverage Quote

Full Policy Wording

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

4 APRIL Travel Protection
Economy Plan
$1,000 per person $100 per item $250 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following:

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

b) the cost of repair or replacement.

5 APRIL Travel Protection
VIP Plan
$2,500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following:

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

b) the cost of repair or replacement.

6 APRIL Travel Protection
Trip Cancellation Plan
No coverage Quote

Full Policy Wording

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

7 APRIL Travel Protection
Multi-Trip Plan Universal
$1,000 per person $100 per item $250 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following:

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

b) the cost of repair or replacement.

8 APRIL Travel Protection
Multi-Trip Plan Elite
$2,500 policy limit $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit shown on the Schedule of Benefits. There is a combined maximum limit shown on the Schedule of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following:

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

b) the cost of repair or replacement.

9 APRIL Travel Protection
Choice
$500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit of $250. There is a combined maximum limit of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

We will pay the lesser of the following:

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

b) the cost of repair or replacement.

10 AXA Assistance USA
Silver
$500 per person Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

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

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

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

11 AXA Assistance USA
Gold
$1,500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit of $250. There is a combined maximum limit of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

We will pay the lesser of the following:

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

b) the cost of repair or replacement.

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

12 AXA Assistance USA
Platinum
$2,500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit of $250. There is a combined maximum limit of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

We will pay the lesser of the following:

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

(b) the cost of repair or replacement.

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

13 Azimuth Risk Solutions, LLC
Beacon America incl US
$250 per person $100 per item Checked luggage only Quote

Full Policy Wording

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

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

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

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

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

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

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

14 Azimuth Risk Solutions, LLC
Beacon International excl US
$250 per person $100 per item Checked luggage only Quote

Full Policy Wording

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

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

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

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

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

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

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

15 CSA Travel Protection
Custom
$1,000 per person Quote

Full Policy Wording

BAGGAGE COVERAGE

We will reimburse you, up to the amount shown in the Schedule, less any amounts payable under your homeowner’s or renter’s insurance, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip, provided you have taken reasonable steps to protect your Baggage against loss, theft, damage and destruction. Under this coverage, we will also provide benefits for the administrative fees to reissue lost, stolen or damaged tickets, visas or passports. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss

Payment of loss under the Baggage Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We may take all or part of damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will:

1. repair or replace any part to restore the pair or set to its value before the loss; or

2. pay the difference between the value of the property before and after the loss.

Continuation of Coverage

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

Items Not Covered

We will not pay for damage to or loss of:

1. animals; or

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

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

4. artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; or

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

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

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

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

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

11. illegal drugs and contraband.

Losses Not Covered

We will not pay for loss arising from:

1. defective materials or craftsmanship; or

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

3. rodents, animals, insects or vermin; or

4. mysterious disappearance; or

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

Your Duties in the Event of a Loss

In case of loss, theft or damage to Baggage, you must:

1. immediately report the incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and

2. take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage.

16 GeoBlue
Voyager Choice
$500 per person $100 per item Quote

Full Policy Wording

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

17 GeoBlue
Voyager Essential
$500 per person $100 per item Quote

Full Policy Wording

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

18 GeoBlue
Trekker Choice excl US
No coverage Quote

Full Policy Wording

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

19 GeoBlue
Trekker Essential excl US
No coverage Quote

Full Policy Wording

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

20 HCC Medical Insurance Services
Atlas International excl US
$500 per person $50 per item Checked luggage only Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

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

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

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

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

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

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

21 HCC Medical Insurance Services
Atlas America incl US
$500 per person $50 per item Checked luggage only Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

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

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:
a) The Lost Checked Luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with the Member, on board a regularly scheduled commercial airline or cruise line, upon which the Member was a fare-paying passenger; and

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

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

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

22 HCC Medical Insurance Services
Atlas MultiTrip incl US
$500 per person $50 per item Checked luggage only Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

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

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

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

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

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

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

23 HCC Medical Insurance Services
Atlas MultiTrip excl US
$500 per person $50 per item Checked luggage only Quote

Full Policy Wording

ELIGIBLE EXPENSESLOST CHECKED LUGGAGE

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

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

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

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

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

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

24 HTH Travel Insurance
TravelGap Voyager excl US
$500 per person $100 per item Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

PERSONAL EFFECTS AND PROPERTY

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

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

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

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

The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or
b) the cost of repair or replacement in like kind and quality.

EXTENSION OF COVERAGE

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

25 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US
No coverage Quote

Full Policy Wording

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

26 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US
No coverage Quote

Full Policy Wording

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

27 HTH Travel Insurance
TravelGap Excursion excl US
$500 per person $100 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS
PERSONAL EFFECTS AND PROPERTY

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

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

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

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

The Company will pay the lesser of the following:
(a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or
(b) the cost of repair or replacement in like kind and quality.

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

28 InsureandGo USA
Silver
$750 per person $250 per item $300 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

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

There is also a combined limit shown on Your Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

(a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or

(b) the cost of repair or replacement.

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

29 InsureandGo USA
Gold
$1,000 per person $250 per item $300 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

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

There is also a combined limit shown on Your Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

(a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or

(b) the cost of repair or replacement.

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

30 InsureandGo USA
Platinum
$2,000 per person $250 per item $300 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

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

There is also a combined limit shown on Your Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

(a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or

(b) the cost of repair or replacement.

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

31 InsureandGo USA
Global Silver excl US
$750 per person $250 per item $300 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There is also a combined limit shown on Your Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or

b) the cost of repair or replacement.

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

32 InsureandGo USA
Global Gold excl US
$1,000 per person $250 per item $300 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There is also a combined limit shown on Your Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or

b) the cost of repair or replacement.

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

33 InsureandGo USA
Global Platinum excl US
$2,000 per person $250 per item $300 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There is also a combined limit shown on Your Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or

b) the cost of repair or replacement.

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

34 iTravelInsured
Travel Lite
No coverage Quote

Full Policy Wording

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

35 iTravelInsured
Travel SE
$1,500 per person $250 per item Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3. $250 per article.

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

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

1. repair or replace any part to restore the pair or set to its value before the loss; or

2. pay the difference between the value of the property before and after the loss

Baggage and Personal Effects does not include:

1. animals;

2. automobiles and automobile equipment;

3. boats or other vehicles or conveyances;

4. trailers;

5. motors;

6. aircraft;

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

8. household effects and furnishings;

9. antiques and collectors items;

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

11. artificial limbs or other prosthetic devices;

12. prescribed medications;

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

14. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

15. professional or occupational equipment or property, whether or not electronic business equipment or

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

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

a. breakage of brittle or fragile articles;

wear and tear or gradual deterioration;

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

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

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

f. Your negligent acts or omissions; or

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

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

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

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

Additional Claims Provisions Specific to Baggage:

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

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

promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:

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

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

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

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

36 iTravelInsured
Travel LX
$2,500 per person $250 per item Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3. $250 per article.

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

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

1. repair or replace any part to restore the pair or set to its value before the loss; or

2. pay the difference between the value of the property before and after the loss.

Baggage and Personal Effects does not include:

1. animals;

2. automobiles and automobile equipment;

3. boats or other vehicles or conveyances;

4. trailers;

5. motors;

6. aircraft;

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

8. household effects and furnishings;

9. antiques and collectors items;

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

11. artificial limbs or other prosthetic devices;

12. prescribed medications;

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

14. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

15. professional or occupational equipment or property, whether or not electronic business equipment or

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

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a. breakage of brittle or fragile articles;

wear and tear or gradual deterioration;

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

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

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

f. Your negligent acts or omissions; or

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

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

Additional Claims Provisions Specific to Baggage:

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

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

promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:

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

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

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

37 John Hancock Insurance Agency, Inc.
Bronze
$250 per person Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

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

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

38 John Hancock Insurance Agency, Inc.
Silver
$1,000 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit of $300. There is a combined maximum limit of $600 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

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

We will pay the lesser of the following:

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

(b) the cost of repair or replacement.

39 John Hancock Insurance Agency, Inc.
Gold
$2,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a per article limit of $300. There is a combined maximum limit of $600 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items.

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies.

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

We will pay the lesser of the following:

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

(b) the cost of repair or replacement.

40 MedjetAssist
Annual Membership
No coverage Quote

Full Policy Wording

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

41 MedjetAssist
MedjetAssist Extended Stay
No coverage Quote

Full Policy Wording

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

42 MedjetAssist
MedjetAssist Short Term Plan
No coverage Quote

Full Policy Wording

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

43 MH Ross Travel Insurance Services
Asset Plus
$1,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

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

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

3) $300 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per item.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

44 MH Ross Travel Insurance Services
Bridge
$2,000 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

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

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

3) $300 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per item.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

45 MH Ross Travel Insurance Services
Complete
$2,000 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

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

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

3) $300 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per item.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

46 MH Ross Travel Insurance Services
Asset
$1,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

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

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

3) $300 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per item.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

47 Protect Your Bubble
Basic Plan
$500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

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

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

3) $250 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250 .

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

48 Protect Your Bubble
Deluxe Plan
$1,000 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

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

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

3) $250 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250 .

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

49 RoamRight
Essential
$750 per person $250 per item $500 specific items limit $50 deductible per occurrence Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, for Loss, theft or damage to Baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The Baggage and personal effects must accompany You during the Trip.

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

There will be a combined maximum limit shown on Your Confirmation of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

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

The Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement. The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to Baggage and personal effects, less depreciation as determined by the Company.
b) The cost of repair or replacement.

50 RoamRight
Essential
$750 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

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

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

3) $250 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1) animals;

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

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

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

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

6) artificial limbs or other prosthetic devices;

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

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

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

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

1) breakage of brittle or fragile articles;

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

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

51 RoamRight
Preferred
$1,000 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There will be a combined maximum limit shown on Your Confirmation of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

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

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

The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to Baggage and personal effects, less depreciation as determined by the Company.
b) The cost of repair or replacement.

52 RoamRight
Preferred
$1,000 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

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

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

3) $250 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1) animals;

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

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

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

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

6) artificial limbs or other prosthetic devices;

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

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

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

1) breakage of brittle or fragile articles;

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

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

53 RoamRight
Elite
$2,500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There will be a combined maximum limit shown on Your Confirmation of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

The Company will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. The Company will reimburse You for fees associated with the replacement of Your passport during Your Trip. Receipts are required for reimbursement.

The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to Baggage and personal effects, less depreciation as determined by the Company.
b) The cost of repair or replacement.

54 RoamRight
Elite
$2,500 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

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

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

3) $250 per item.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250.

We may take all or part of Your damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

55 RoamRight
Active
$2,500 per person $500 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There will be a combined maximum limit shown on Your Confirmation of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

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

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

The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to Baggage and personal effects, less depreciation as determined by the Company.
b) The cost of repair or replacement.

56 RoamRight
Active
$2,500 per person $500 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS AND SPORTS EQUIPMENT

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

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

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

Valuation and Payment of Loss:

The lesser of the following amounts will be paid:

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

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

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

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $500 per item for Baggage and sports equipment.

We may take all or part of Your damaged Baggage and sports equipment as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1) animals;

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

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

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

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

6) artificial limbs or other prosthetic devices;

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

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

We will not provide benefits for any loss or damage caused by or resulting from: 1) breakage of brittle or fragile articles;

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

57 RoamRight
Adventure
$2,500 per person $500 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There will be a combined maximum limit shown on Your Confirmation of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

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

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

The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to Baggage and personal effects, less depreciation as determined by the Company.
b) The cost of repair or replacement.

58 RoamRight
Adventure
$2,500 per person $500 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS AND SPORTS EQUIPMENT

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

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

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

The lesser of the following amounts will be paid:

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

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

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

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $500 per item for Baggage and sports equipment.

We may take all or part of Your damaged Baggage and sports equipment as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

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

1) animals;

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

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

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

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

6) artificial limbs or other prosthetic devices;

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

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

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

1) breakage of brittle or fragile articles;

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

59 RoamRight
Multi-Trip
$1,000 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There will be a combined maximum limit shown on Your Confirmation of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sporting equipment, Ski Equipment, personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

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

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

The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to Baggage and personal effects, less depreciation as determined by the Company.
b) The cost of repair or replacement.

60 RoamRight
Multi-Trip Medical excl US
No coverage Quote

Full Policy Wording

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

61 RoamRight
Medical excl US
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

The Company will pay the lesser of the following:
1. The actual cash value (cost less proper deduction for depreciation at the time of loss, theft or damage;
2. The cost to repair or replace the article with material of a like kind and quality; or
3. $50 per article.

62 RoamRight
Evacuation
No coverage Quote

Full Policy Wording

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

63 Seven Corners Inc
RoundTrip
$1,000 per person $300 per item $1,000 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

This coverage is secondary to any coverage provided by a Common Carrier. There will be a per article limit of $300.

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

The Company will pay the lesser of the following:

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

(b) the cost of repair or replacement.

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

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

1. Animals;

2. Automobiles and automobile equipment;

3. Boats or other vehicles or conveyances;

4. Trailers;

5. Motors;

6. Motorcycles;

7. Aircraft;

8. Bicycles (except when checked as baggage with a Common Carrier);

9. Household effects and furnishing;

10. Antiques and collectors’ items;

11. Eyeglasses, sunglasses or contact lenses;

12. Artificial teeth and dental bridges;

13. Hearing aids;

14. Prosthetic limbs;

15. Prescribed medications;

16. Keys, money, stamps, securities and documents;

17. Tickets;

18. Credit cards;

19. Professional or occupational equipment or property, whether or not electronic business equipment;

20. Personal computers, telephones, computer hardware or software;

21. Sporting equipment if Loss or damage results from the use thereof.

64 Seven Corners Inc
RoundTrip Choice
$2,000 per person $500 per item $2,000 specific items limit Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

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

There will be a combined maximum limit of $2,000 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.

The Company will pay the lesser of the following:

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

(b) the cost of repair or replacement.

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

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

1. Animals;

2. Automobiles and automobile equipment;

3. Boats or other vehicles or conveyances;

4. Trailers;

5. Motors;

6. Motorcycles;

7. Aircraft;

8. Bicycles (except when checked as baggage with a Common Carrier);

9. Household effects and furnishing;

10. Antiques and collectors’ items;

11. Eyeglasses, sunglasses or contact lenses;

12. Artificial teeth and dental bridges;

13. Hearing aids;

14. Prosthetic limbs;

15. Prescribed medications;

16. Keys, money, stamps, securities and documents;

17. Tickets;

18. Credit cards;

19. Professional or occupational equipment or property, whether or not electronic business equipment;

20. Personal computers, telephones, computer hardware or software;

21. Sporting equipment if Loss or damage results from the use thereof.

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

1. Breakage of brittle or fragile articles;

2. Wear and tear or gradual deterioration;

3. Insects or vermin;

4. Inherent vice or damage while the article is actually being worked upon or processed;

5. Confiscation or expropriation by order of any government;

6. War or any act of war whether declared or not;

7. Theft or pilferage while left unattended in any vehicle;

8. Mysterious disappearance;

9. Property illegally acquired, kept, stored or transported;

10. Insurrection or rebellion;

11. Imprudent action or omission;

12. Property shipped as freight or shipped prior to the Scheduled Departure Date.

65 Seven Corners Inc
Liaison Continent excl US
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

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

66 Seven Corners Inc
Liaison Majestic excl US
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED LUGGAGE

Maximum Benefit Amount: $250

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

67 Seven Corners Inc
Liaison International excl US
$250 per person $50 per item Quote

Full Policy Wording

BAGGAGE LOSS BENEFIT:

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

The lesser of the following amounts will be paid:

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

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

3) $50 per article.

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collector’s items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

68 Seven Corners Inc
RoundTrip Economy
$500 per person $300 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the 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.

69 Seven Corners Inc
RoundTrip Elite
$2,500 per person $300 per item $1,000 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

Benefits will be provided to You, up to the Maximum Benefit Amount shown in the 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;

Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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.

70 Seven Corners Inc
Wander Frequent Traveler excl US
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED LUGGAGE

Maximum Benefit Amount: $500

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

71 Tin Leg
Economy
$500 per person $100 per item Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following: (a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

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

72 Tin Leg
Standard
$500 per person $100 per item Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following: (a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

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

73 Tin Leg
Luxury
$500 per person $100 per item Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement. We will also reimburse You for charges and interest incurred due to unauthorized use of Your credit cards if such use occurs during Your Trip and if You have complied with all credit card conditions imposed by the credit card companies. We will pay the lesser of the following: (a) Actual Cash Value, as determined by Us, at time of loss, theft or damage to Baggage and Personal Effects; or (b) the cost of repair or replacement.

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

74 Travel Insured International
Worldwide Trip Protector Lite
$750 per person $250 per item $500 specific items limit Quote

Full Policy Wording

COVERAGE G

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $250 per article.

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 24 hours or more during Your Trip.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions; or

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

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

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

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss;

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

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

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

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

75 Travel Insured International
Worldwide Trip Protector Plus
$1,000 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $250 per article.

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You , if Your Baggage is delayed for 12 hours or more during Your Trip.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions; or

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

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

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

Additional Claims Provisions Specific to Baggage

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:

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

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

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

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

76 Travel Insured International
Worldwide Trip Protector
$1,000 per person $250 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

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

3) $250 per article.

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 12 hours or more during Your Trip.

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions; or

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

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

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

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:

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

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

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

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

77 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only
No coverage Quote

Full Policy Wording

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

78 Travelex Insurance Services
Flight Insure Package Plan Multi-trip
$2,000 policy limit $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS BENEFITS

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

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

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

Items Subject to Special Limitations

We will not pay more than $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $300 per item limit.

Continuation of Coverage

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

Your Duties in the Event of a Loss

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

79 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only
No coverage Quote

Full Policy Wording

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

80 Travelex Insurance Services
Flight Insure Plus - Package Plan
$2,000 policy limit $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE & PERSONAL EFFECTS BENEFITS

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

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

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

Items Subject to Special Limitations

We will not pay more than $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $300 per item limit.

Continuation of Coverage

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

Your Duties in the Event of a Loss

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

81 Travelex Insurance Services
Travel Basic
$500 per person $300 per item $500 specific items limit Quote

Full Policy Wording

Baggage and Personal Effects Benefits

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

Valuation and Payment of Loss Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 100% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

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

Special Limitations We will not pay more than $500 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious gems; articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media and articles consisting in whole or in part of fur.
Items not included above are subject to a $300 per item limit.

Continuation of Coverage

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

Your Duties in the Event of a Loss

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

82 Travelex Insurance Services
Travel Max
$2,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

Baggage and Personal Effects Benefits

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

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 100% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations

We will not pay more than $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious gems; articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $300 per item limit.

Continuation of Coverage

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

Your Duties in the Event of a Loss

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

83 Travelex Insurance Services
Travel Select
$1,000 per person $300 per item $600 specific items limit Quote

Full Policy Wording

Baggage and Personal Effects Benefits

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

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 100% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

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

Items Subject to Special Limitations

We will not pay more than $600 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious gems; articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media and articles consisting in whole or in part of fur.

Items not included above are subject to a $300 per item limit.

Continuation of Coverage

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

Your Duties in the Event of a Loss

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

84 TravelSafe
Basic
$500 per person $300 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $300 per article.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

85 TravelSafe
Basic
$500 per person $300 per item $500 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $300 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per article.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions; or

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

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

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:

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

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

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

86 TravelSafe
Classic
$2,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $300 per article.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions;

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

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

87 TravelSafe
Classic
$2,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $300 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per article.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions;

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

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

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

Additional Claims Provisions Specific to Baggage

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss;

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

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

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

88 TravelSafe
Classic Plus
$2,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $300 per article.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions;

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

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

Additional Claims Provisions Specific to Baggage

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

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss;

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

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

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

89 TravelSafe
Classic Plus
$2,500 per person $300 per item $600 specific items limit Quote

Full Policy Wording

BAGGAGE AND PERSONAL EFFECTS

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

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

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

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

3) $300 per article.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $300 per article.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, We will:

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

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

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

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

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

Baggage and Personal Effects does not include:

1) animals;

2) automobiles and automobile equipment;

3) boats or other vehicles or conveyances;

4) trailers;

5) motors;

6) aircraft;

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

8) household effects and furnishings;

9) antiques and collectors items;

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

11) artificial limbs or other prosthetic devices;

12) prescribed medications;

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

14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

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

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

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

Additional Limitations and Exclusions Specific to Baggage and Personal Effects:

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

a) breakage of brittle or fragile articles;

b) wear and tear or gradual deterioration;

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

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

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

f) Your negligent acts or omissions;

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

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

Additional Claims Provisions Specific to Baggage

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

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

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

b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss;

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

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

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

90 Trawick International
Safe Travels USA
$1,000 per person $75 per item Checked luggage only Quote

Full Policy Wording

Basic Lost Baggage Benefit

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

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

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

And replaced with:

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

Baggage Loss and/or Theft

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

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

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

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

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

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

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

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

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

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

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

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

Property not covered by this Insurance:

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

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

3. Items of a perishable nature;

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

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

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

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

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

3. Benefit does not apply to the return or Homeward Journey.

91 Trawick International
Safe Travels International excl US
$1,000 per person $75 per item Checked luggage only Quote

Full Policy Wording

Basic Lost Baggage Benefit

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

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

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

And replaced with:

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

Baggage Loss and/or Theft

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

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

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

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

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

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

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

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

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

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

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

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

Property not covered by this Insurance:

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

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

3. Items of a perishable nature;

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

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

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

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

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

3. Benefit does not apply to the return or Homeward Journey.

92 Trawick International
Safe Travels USA Trip Protection
$1,000 per person $75 per item Checked luggage only Quote

Full Policy Wording

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

Enhanced Baggage Benefit from $1,000 to $3,500 – In consideration of additional premium paid, under the Description of Benefits section on the certificate attached hereto, the following benefit is deleted:

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

And replaced with:

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

Baggage Loss and/or Theft

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

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements. In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

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

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

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

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

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

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

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

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

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

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

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

Property not covered by this Insurance:

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

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

3. Items of a perishable nature;

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

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, traveler’s checks or money orders.

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

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

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

3. Benefit does not apply to the return or Homeward Journey.

93 Trawick International
Safe Travels International Trip Protection excl US
$1,000 per person $75 per item Checked luggage only Quote

Full Policy Wording

Basic Lost Baggage Benefit – Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Enhanced Baggage Benefit from $1,000 to $3,500 – In consideration of additional premium paid, the benefit Lost Baggage is deleted and the following is added to the certificate:

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

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

Baggage Loss and/or Theft

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

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements. In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

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

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

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

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

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

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

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

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

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

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

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

Property not covered by this Insurance:

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

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

3. Items of a perishable nature;

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

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

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

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

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

3. Benefit does not apply to the return or Homeward Journey.

94 Trawick International
Safe Travels International Cost Saver excl US
$1,000 per person $75 per item Checked luggage only Quote

Full Policy Wording

Basic Lost Baggage Benefit -

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

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

In consideration of additional premium paid, the benefit Lost Baggage is deleted and the following is added to the certificate:

In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide Us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier.

Baggage Loss and/or Theft

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

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

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

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

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

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

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

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

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

8. deterioration or mechanical derangement of any kind;

9. damage to suitcases (unless rendered unusable);

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

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

Property not covered by this Insurance:

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

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

3. Items of a perishable nature;

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

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

1. Claims will not be considered unless proof of ownership and evidence of value is provided.

2. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost.

3. Proof of a missing bag report must be filed with the Common Carrier.

4. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

We will not pay benefits for any Baggage Delay loss:

1. For any Necessities purchased after the return of the baggage;

2. For claims where proper receipts with date and time affixed were not presented;

3. For Delay on the return or Homeward Journey.

95 Trawick International
Safe Travels USA Cost Saver
$1,000 per person $75 per item Checked luggage only Quote

Full Policy Wording

Basic Lost Baggage Benefit -

Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article, if your luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

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

In consideration of additional premium paid, the benefit Lost Baggage is deleted and the following is added to the certificate:
In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police to report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide us with a copy of the outcome of your claim, along with the written loss statements, receipts, etc. Proof of a missing bag report must be filed with the Common Carrier.

Baggage Loss and/or Theft

Reimbursement in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person, subject to a maximum payment of:

1. $500 in respect of any one article, pair or set of articles;

2. $300 overall in respect of valuables/electronics (see definition below). The Insured Person must observe ordinary and proper care in the supervision of the insured property and in all cases of loss. Claims will be dealt with on an “indemnity basis” only – NOT “new for old”. This means the market value of the article less a deduction for age, wear, tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond repair a claim will be dealt with as if the article had been lost. Payment is in excess of all other coverages, refunds and/or reimbursements.

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

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

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

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

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

5. Any loss from motor vehicles left unattended at any time between the hours of 10:00pm and 08:00am;

6. Loss, damage or theft of valuables and money packed in suitcases or other receptacles whilst travelling;

7. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic change;

8. Deterioration or mechanical derangement of any kind;

9. Damage to suitcases (unless rendered unusable);

10. Loss due to confiscation or detention by Customs or other authority; k) Damage to sports equipment whilst in use or losses of jewelry whilst swimming (other than wedding rings);

11. Breakage of or damage to fragile articles and any consequence thereof.

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

1. Claims will not be considered unless proof of ownership and evidence of value is provided.

2. Any amount paid for temporary loss of baggage will be deducted from the final claim settlement if baggage proves to be permanently lost.

3. Proof of a missing bag report must be filed with the Common Carrier.

4. Any amount paid by a Common Carrier in settlement toward the loss will be deducted from the final claim.

96 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

97 USA-ASSIST Worldwide Protection
Global Travel Medical Executive
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

98 USA-ASSIST Worldwide Protection
Global Travel Medical Gold
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

99 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

100 USA-ASSIST Worldwide Protection
Global Travel Medical Standard
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

101 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium
$250 per person $50 per item Checked luggage only Quote

Full Policy Wording

LOSS OF CHECKED BAGGAGE

This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the Schedule of Benefits. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline.

102 USA-ASSIST Worldwide Protection
GlobalTrip Classic
No coverage Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

103 USA-ASSIST Worldwide Protection
GlobalTrip Saver
No coverage Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

104 USA-ASSIST Worldwide Protection
GlobalTrip Plus
No coverage Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.

105 USA-ASSIST Worldwide Protection
GlobalTrip High Medical
No coverage Quote

Full Policy Wording

There is no Baggage & Personal Items Loss coverage with this plan.