What is Baggage Delay?

Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler’s luggage is delayed for a specified period of time.

After a delay of 12 or 24 hours, the Baggage Delay benefit can cover the purchase of clothes and other essentials. Typically, Baggage Delay provides a maximum coverage amount per person, as well as a daily limit.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Baggage Delay coverage.

Looking for a policy with Baggage Delay coverage?

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Baggage Delay by Provider

Last Updated: 06/22/2022
Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
1

Multi-Trip

$300 per person
Covered after 24 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of reasonable additional clothing and personal items purchased by You while Your Baggage is delayed 24 hours or more from Your time of arrival at a destination other than Your return destination.

This coverage terminates upon Your arrival at the return destination of Your Trip.

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AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
2

Silver

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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3

Gold

$300 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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4

Platinum

$600 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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battleface battleface
Policy Name and Summary of Coverage
5

Travel Medical Single Trip

$500 per person
$250 daily limit
Covered after 24 hour delay

BAGGAGE DELAY

We will reimburse you, up to the maximum amount shown in the schedule of benefits, for the purchase of personal effects, if your baggage is delayed or misdirected by the common carrier for more twentyfour (24) hours while on your covered trip.

Incurred expenses must be accompanied by receipts.

This benefit does not apply if baggage is delayed after you have reached your return destination.

Baggage Delay Proof of Loss

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

a. An incident report filed with the common carrier confirming the delay;
b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement; and
c. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.
d. You must provide documentation of the delay or misdirection of baggage by the common carrier.

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6

Explorer

$500 per person
$100 daily limit
Covered after 24 hour delay

BAGGAGE DELAY

We will reimburse you, up to the maximum amount shown in the schedule of benefits, for the purchase of personal effects, if your baggage is delayed or misdirected by the common carrier for more than twenty-four (24) hours while on your covered trip.

Incurred expenses must be accompanied by receipts.

This benefit does not apply if baggage is delayed after you have reached your return destination.

Baggage Delay Proof of Loss

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

a. An incident report filed with the common carrier confirming the delay;
b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement; and
c. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.
d. You must provide documentation of the delay or misdirection of baggage by the common carrier.

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7

Discovery Plan

Optional coverage

BAGGAGE DELAY

We will reimburse you, up to the maximum amount shown in the schedule of benefits, for the purchase of personal effects, if your baggage is delayed or misdirected by the common carrier for more than twenty-four (24) hours while on your covered trip.

Incurred expenses must be accompanied by receipts.

This benefit does not apply if baggage is delayed after you have reached your return destination.

Baggage Delay Proof of Loss

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

a. An incident report filed with the common carrier confirming the delay;

b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement; and

c. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.

d. You must provide documentation of the delay or misdirection of baggage by the common carrier.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
8

ExactCare

$200 per person
Covered after 24 hour delay

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 24 consecutive hours the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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9

ExactCare Value

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 24 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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10

LuxuryCare

$200 fixed per person
Covered after 12 hour delay

BAGGAGE DELAY

The Company will pay You for Loss up to the Maximum Benefit shown in the Schedule of Benefits as a result of Your Baggage being delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip. This benefit does not apply if Baggage is delayed on Your flights to Your Return Destination.

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Cat 70 Cat 70
Policy Name and Summary of Coverage
11

Travel Plan

$200 per person
$100 daily limit
Covered after 24 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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Generali Global Assistance Generali Global Assistance
Policy Name and Summary of Coverage
12

Standard

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.

Limitations

This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

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13

Preferred

$300 per person
Covered after 18 hour delay

BAGGAGE DELAY COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 18 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.

Limitations

This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

SPORTING EQUIPMENT DELAY COVERAGE

Maximum Limit Per Person: $300

We will reimburse you, up to the amount shown in the Schedule, for the cost of Sporting Equipment rentals if your Sporting Equipment is delayed for 18 hours or more during your Trip. We will reimburse you, up to the amount shown in the Schedule, for expenses incurred during your Trip to locate/track your delayed Sporting Equipment, and to retrieve your delayed Sporting Equipment or to have your delayed Baggage delivered to you.

Limitations

This coverage terminates when your Sporting Equipment is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

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14

Premium

$500 per person
Covered after 12 hour delay

BAGGAGE DELAY COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.

Limitations

This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

SPORTING EQUIPMENT DELAY COVERAGE

Maximum Limit Per Person: $500

We will reimburse you, up to the amount shown in the Schedule for the cost of Sporting Equipment rentals if your Sporting Equipment is delayed for 12 hours or more during your Trip. We will reimburse you, up to the amount shown in the Schedule. for expenses incurred during your Trip to locate/track your delayed Sporting Equipment, and to retrieve your delayed Sporting Equipment or to have your delayed Baggage delivered to you.

Limitations

This coverage terminates when your Sporting Equipment is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

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GeoBlue GeoBlue
Policy Name and Summary of Coverage
15

Trekker Choice excl US

No coverage

There is no Baggage Delay coverage with this plan.

16

Trekker Essential excl US

No coverage

There is no Baggage Delay coverage with this plan.

Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
17

Diplomat America

No coverage

There is no Baggage Delay coverage with this plan.

18

Diplomat International

No coverage

There is no Baggage Delay coverage with this plan.

19

Diplomat LT excl US

No coverage

There is no Baggage Delay coverage with this plan.

20

Diplomat LT incl US

No coverage

There is no Baggage Delay coverage with this plan.

GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
21

Choice

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.

This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

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22

Choice

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.

This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

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23

Annual Plan

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.

This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

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24

Pandemic Plus

$500 per person
$500 daily limit
Covered after 12 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
25

TripProtector Preferred

$400 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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26

TripProtector Economy

$100 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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27

TripProtector Classic

$200 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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IMG IMG
Policy Name and Summary of Coverage
28

iTravelInsured Travel Lite

$150 per person
Covered after 24 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least twenty-four (24) consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

In addition, We will reimburse You, up to Maximum Benefit Amount shown in the Schedule of Benefits, for the cost to clean any clothing You have in Your possession while waiting for Your lost Baggage.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing, toiletry, prescriptions, or eyewear, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Items do not include jewelry, perfume or alcohol.

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

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29

iTravelInsured Travel SE

$250 per person
Covered after 12 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least twelve (12) consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

In addition, We will reimburse You, up to Maximum Benefit Amount shown in the Schedule of Benefits, for the cost to clean any clothing You have in Your possession while waiting for Your lost Baggage.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing, toiletry, prescriptions, or eyewear, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Items do not include jewelry, perfume or alcohol.

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

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30

iTravelInsured Travel LX

$500 per person
Covered after 12 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least twelve (12) consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

In addition, We will reimburse You, up to Maximum Benefit Amount shown in the Schedule of Benefits, for the cost to clean any clothing You have in Your possession while waiting for Your lost Baggage.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing, toiletry, prescriptions, or eyewear, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Items do not include jewelry, perfume or alcohol. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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31

iTravelInsured Travel LX Basic

$500 per person
Covered after 12 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least twelve (12) consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

In addition, We will reimburse You, up to Maximum Benefit Amount shown in the Schedule of Benefits, for the cost to clean any clothing You have in Your possession while waiting for Your lost Baggage.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing, toiletry, prescriptions, or eyewear, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Items do not include jewelry, perfume or alcohol. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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32

iTravelInsured Travel Sport

$750 per person
$100 daily limit
Covered after 9 hour delay

BAGGAGE DELAY

We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the Covered Expenses listed below if Your Baggage is delayed or misdirected by a Common Carrier for nine (9) hours or more from Your time of arrival at Your Trip destination (coverage is not applicable for Your arrival at Your return destination).

For this benefit, Covered Expenses shall mean:
1. the cost of reasonable and necessary additional clothing and personal items purchased by You while Your Baggage is delayed or misdirected;
2. paid expenses You incur during Your Trip to launder the clothing in Your possession while Your

Baggage is delayed or misdirected, up to the sub-limit shown in the Schedule of Benefits Coverage under this benefit terminates upon Your arrival at the return destination of Your Trip or when Your Baggage is returned to You, whichever is sooner.

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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
33

Bronze

$250 per person
$250 daily limit
Covered after 12 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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34

Silver

$500 per person
$500 daily limit
Covered after 12 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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35

Gold

$500 per person
$500 daily limit
Covered after 12 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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MedjetAssist MedjetAssist
Policy Name and Summary of Coverage
36

Annual Membership

No coverage

There is no Baggage Delay coverage with this plan.

37

MedjetAssist Extended Stay

No coverage

There is no Baggage Delay coverage with this plan.

38

MedjetAssist Short Term Plan

No coverage

There is no Baggage Delay coverage with this plan.

Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
39

Essential

$100 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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40

Prime

$600 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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41

Cruise Universal

$250 per person
Covered after 8 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than eight (8) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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42

Cruise Choice

$500 per person
Covered after 8 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than eight (8) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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43

Cruise Luxury

$1,000 per person
Covered after 6 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than six (6) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
44

RoundTrip Choice

$500 per person
$100 daily limit
Covered after 6 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least 6 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing or toiletry, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol.

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

Exclusions and limitations apply to Baggage and Personal Effects, Travel Documents, Baggage Delay, and

Sports & Golf Equipment Rental: We will not provide benefits for any loss or damage for the following items:

a. animals;
b. automobiles and automobile equipment;
c. boats or other vehicles or conveyances;
d. trailers;
e. motors;
f. aircraft;
g. bicycles, except when checked as baggage with a Common Carrier;
h. household effects and furnishings;
i. antiques and collectors’ items;
j. any type of or repair or replacement of any type of eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers, other orthodontic devices or hearing aids;
k. artificial limbs or other prosthetic devices;
l. prescribed medications;
m. keys, money, stamps and credit cards (except as otherwise specifically covered herein);
n. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
o. professional or occupational equipment or property, whether or not electronic business equipment;
p. telephones or wireless devices, computer hardware or software;
q. computers (including personal computers and laptops), digital or electronic equipment or media;
r. contraband.

Losses not covered:

We will not provide benefits for any loss or damage 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;
g. property shipped as freight or shipped prior to the Scheduled Departure Date.

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45

RoundTrip Economy

$100 per person
Covered after 24 hour delay

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 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 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.

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

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46

RoundTrip Elite

$600 per person
Covered after 12 hour delay

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.

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47

Wander Frequent Traveler Plus excl US

$250 per occurrence
Covered after 24 hour delay

Baggage Delay:

Maximum Benefit Amount: $250

The Company will reimburse You for the Expense of Necessary Personal Items, if Your checked baggage is delayed or misdirected by a Common Carrier for at least twenty-four (24) hours while on a Covered Trip, except for travel to Your final destination or place of residence. You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection, and receipts for the purchases must accompany any claim.

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

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48

RoundTrip Basic

$500 per person
$100 daily limit
Covered after 6 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least 6 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing or toiletry, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol.

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

Exclusions and limitations apply to Baggage and Personal Effects, Travel Documents, Baggage Delay, and Sports & Golf Equipment Rental: We will not provide benefits for any loss or damage for the following items:

a. animals;
b. automobiles and automobile equipment;
c. boats or other vehicles or conveyances;
d. trailers;
e. motors;
f. aircraft;
g. bicycles, except when checked as baggage with a Common Carrier;
h. household effects and furnishings;
i. antiques and collectors’ items;
j. any type of or repair or replacement of any type of eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers, other orthodontic devices or hearing aids;
k. artificial limbs or other prosthetic devices;
l. prescribed medications;
m. keys, money, stamps and credit cards (except as otherwise specifically covered herein);
n. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
o. professional or occupational equipment or property, whether or not electronic business equipment;
p. telephones or wireless devices, computer hardware or software;
q. computers (including personal computers and laptops), digital or electronic equipment or media;
r. contraband.

Losses not covered:

We will not provide benefits for any loss or damage 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;
g. property shipped as freight or shipped prior to the Scheduled Departure Date.

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
49

Economy

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 24 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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50

Standard

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 24 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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51

Luxury

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 24 consecutive hours the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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52

Adventure

$150 fixed per person
Covered after 12 hour delay

BAGGAGE DELAY

The Company will pay You for Loss up to the Maximum Benefit shown in the Schedule of Benefits as a result of Your Baggage being delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip. This benefit does not apply if Baggage is delayed on Your flights to Your Return Destination.

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53

Gold

$200 per person
$100 daily limit
Covered after 24 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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54

Basic

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

We will reimburse you, up to the maximum amount shown in the schedule of benefits, for the purchase of personal effects, if your baggage is delayed or misdirected by the common carrier for more than twenty-four (24) hours while on your covered trip. Incurred expenses must be accompanied by receipts.

This benefit does not apply if baggage is delayed after you have reached your return destination.

Baggage Delay Proof of Loss

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

a. An incident report filed with the common carrier confirming the delay;
b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement; and
c. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.
d. You must provide documentation of the delay or misdirection of baggage by the common carrier.

Baggage Delay Exclusions:

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

a. Bicycles (except when checked with a common carrier);
b. Property shipped as freight, or shipped prior to the departure date;
c. Seizure or destruction under quarantine or custom regulation; or
d. Sportsman’s equipment damaged while being used.

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55

Platinum

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

We will reimburse you, up to the maximum amount shown in the schedule of benefits, for the purchase of personal effects and rental or purchase of sportsman’s equipment, if your baggage or sportsman’s equipment is delayed or misdirected by the common carrier for more than twenty-four (24) hours while on your covered trip.

Incurred expenses must be accompanied by receipts.

This benefit does not apply if baggage is delayed after you have reached your return destination.

Baggage Delay Proof of Loss

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

a. An incident report filed with the common carrier confirming the delay;
b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement; and
c. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.
d. You must provide documentation of the delay or misdirection of baggage by the common carrier.

Baggage Delay Exclusions:

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

a. Bicycles (except when checked with a common carrier);
b. Property shipped as freight, or shipped prior to the departure date;
c. Seizure or destruction under quarantine or custom regulation; or
d. Sportsman’s equipment damaged while being used.

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56

USA Only

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 24 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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57

Silver

$500 per person
$100 daily limit
Covered after 8 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing Necessary Personal Effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your Primary Residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of Necessary Personal Effects must accompany any claim.

Baggage Delay Proof of Loss

You must provide Us or Our Administrator with the following:

a. An incident report filed with the Common Carrier confirming the delay;
b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement;
c. Documentation showing any received or expected settlements, refunds or credits for this Loss from any other party;
and
d. You must provide documentation of the delay or misdirection of Baggage by the Common Carrier.

In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage Delay Benefit.

We 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. Eyeglasses, sunglasses or contact lenses;
10. Artificial teeth and dental bridges;
11. Hearing aids;
12. Prosthetic limbs;
13. Keys, money, stamps, securities and documents;
14. Tickets for entertainment events or other source of leisure activities;
15. Art objects and musical instruments;
16. Consumables including medicines, perfumes, cosmetics, and perishables;
17. Professional or occupational equipment or property, whether or not electronic Business Equipment;
18. Sportsman’s Equipment;
19. Cellphones, computer and computer hardware or software; electronic computer devices; or
20. Property illegally acquired, kept, stored or transported.

No benefits will be paid for any loss for, caused by, or resulting from:

1. Wear and tear or gradual deterioration;
2. Breakage of brittle or fragile articles;
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. Radioactive contamination;
7. War or any act of war whether declared or not;
8. Property shipped as freight or shipped prior to the Scheduled Departure Date.
9. Delay or loss of market value;
10. Indirect or consequential loss or damage of any kind;
11. Theft or pilferage while left unattended in any vehicle if the vehicle is not property secured;
12. Electrical current including electric arcing that damages or destroys electrical devices or appliances; or
13. Mysterious disappearance.

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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
58

Worldwide Trip Protector Plus

$300 per person
Covered after 12 hour delay

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.

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59

Worldwide Trip Protector

$500 per person
Covered after 3 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least 3 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

Necessary Personal Items means replacement for clothing or toiletry which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol.

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

EXCLUSIONS AND LIMITATIONS apply to Baggage and Personal Effects and Baggage Delay:

We will not provide benefits for any loss or damage for the following items:

a. animals;
b. automobiles and automobile equipment;
c. boats or other vehicles or conveyances;
d. trailers;
e. motors;
f. aircraft;
g. bicycles, except when checked as baggage with a Common Carrier;
h. household effects and furnishings;
i. antiques and collectors’ items;
j. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers or other orthodontic devices or hearing aids;
k. artificial limbs or other prosthetic devices;
l. prescribed medications;
m. keys, money, stamps and credit cards (except as otherwise specifically covered herein);
n. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
o. professional or occupational equipment or property, whether or not electronic business equipment;
p. sports equipment if the loss results from the use thereof.

Losses not covered:

We will not provide benefits for any loss or damage 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;
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.

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60

Worldwide Trip Protector Edge

$200 per person
Covered after 12 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least 12 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

Necessary Personal Items means replacement for clothing or toiletry which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol.

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

EXCLUSIONS AND LIMITATIONS apply to Baggage and Personal Effects and Baggage Delay:

We will not provide benefits for any loss or damage for the following items:
a. animals;
b. automobiles and automobile equipment;
c. boats or other vehicles or conveyances;
d. trailers;
e. motors;
f. aircraft;
g. bicycles, except when checked as baggage with a Common Carrier;
h. household effects and furnishings;
i. antiques and collectors’ items;
j. eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers or other orthodontic devices or hearing aids;
k. artificial limbs or other prosthetic devices;
l. prescribed medications;
m. keys, money, stamps and credit cards(except as otherwise specifically covered herein);
n. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
o. professional or occupational equipment or property, whether or not electronic business equipment;
p. sports equipment if the loss results from the use thereof.

Losses not covered:

We will not provide benefits for any loss or damage 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;
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.

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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
61

Travel Basic

$100 per person
Covered after 12 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 12 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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62

Travel Select

$200 per person
Covered after 12 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 12 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached his/her Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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63

Flight Insure Plus

$500 per person
Covered after 12 hour delay

BAGGAGE DELAY

If, while on a Trip, Your Baggage is delayed or misdirected by the Common Carrier for at least 12 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the purchase of Necessary Personal Effects. Necessary Personal Effects do not include jewelry, perfume and alcohol. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after You have reached his/her Return Destination.

Incurred expenses over $25 must be accompanied by receipts.

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TravelSafe TravelSafe
Policy Name and Summary of Coverage
64

Basic

$100 per person
Covered after 12 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your Baggage is delayed for at least 12 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for expenses You incur during Your Trip to expedite the return of Your delayed Baggage.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing, or toiletry, or prescriptions, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol.

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

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65

Classic

$250 per person
Covered after 12 hour delay

BAGGAGE DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your Baggage is delayed for at least 12 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for expenses You incur during Your Trip to expedite the return of Your delayed Baggage.

This coverage terminates upon Your arrival at the Return Destination of Your Trip.

Necessary Personal Items means replacement for clothing, or toiletry, or prescriptions, which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol.

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

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66

Classic Plus

$250 per person
Covered after 12 hour delay

Baggage Delay:

We will reimburse You, 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. We will also reimburse You up to $50 for expenses incurred during Your Trip to expedite the return of Your delayed Baggage. This coverage terminates upon Your arrival at the return destination of Your Trip.

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

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

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

You must:

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

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

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

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

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

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

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Trawick International Trawick International
Policy Name and Summary of Coverage
67

Safe Travels USA Cost Saver

No coverage

There is no Baggage Delay coverage with this plan.

68

Safe Travels USA Comprehensive

No coverage

There is no Baggage Delay coverage with this plan.

69

Safe Travels Single Trip

$200 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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70

Safe Travels First Class

$400 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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71

Safe Travels Outbound excl US

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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72

Safe Travels Outbound Cost Saver excl US

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by
a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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73

Safe Travels Annual Executive

$250 per trip
Covered after 12 hour delay

BAGGAGE DELAY (Outward Journey Only)

The Company will reimburse You for the expense of necessary personal effects, up to the Maximum Benefit shown on the Confirmation of Coverage, if You or a Traveling Companion’s Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You and/or the Traveling Companion must be a ticketed passenger on a Common Carrier.

If the sporting equipment You and/or the Traveling Companion planned to use on the Trip is lost, delayed or misdirected by a Common Carrier for more than twelve (12) hours from the time You were scheduled to arrive at the destination stated on the ticket, You will be reimbursed for expenses for rental of similar sporting equipment, up to the Maximum Benefit shown during the Trip. You and/or the Traveling Companion must be a ticketed passenger on the Common Carrier.

Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim.

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74

Safe Travels Annual Deluxe

$200 per trip
Covered after 12 hour delay

BAGGAGE DELAY (Outward Journey Only)

The Company will reimburse You for the expense of necessary personal effects, up to the Maximum Benefit shown on the Confirmation of Coverage, if You or a Traveling Companion’s Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You and/or the Traveling Companion must be a ticketed passenger on a Common Carrier.

If the sporting equipment You and/or the Traveling Companion planned to use on the Trip is lost, delayed or misdirected by a Common Carrier for more than twelve (12) hours from the time You were scheduled to arrive at the destination stated on the ticket, You will be reimbursed for expenses for rental of similar sporting equipment, up to the Maximum Benefit shown during the Trip. You and/or the Traveling Companion must be a ticketed passenger on the Common Carrier.

Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim.

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75

Safe Travels Annual Basic

$100 per trip
Covered after 12 hour delay

BAGGAGE DELAY (Outward Journey Only)

The Company will reimburse You for the expense of necessary personal effects, up to the Maximum Benefit shown on the Confirmation of Coverage, if You or a Traveling Companion’s Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You and/or the Traveling Companion must be a ticketed passenger on a Common Carrier.

If the sporting equipment You and/or the Traveling Companion planned to use on the Trip is lost, delayed or misdirected by a Common Carrier for more than twelve (12) hours from the time You were scheduled to arrive at the destination stated on the ticket, You will be reimbursed for expenses for rental of similar sporting equipment, up to the Maximum Benefit shown during the Trip. You and/or the Traveling Companion must be a ticketed passenger on the Common Carrier.

Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim.

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76

Safe Travels Explorer

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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77

Safe Travels Journey

$400 per person
Covered after 12 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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78

Safe Travels Voyager

$600 per person
Covered after 8 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than eight (8) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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79

Safe Travels Explorer Plus

$200 per person
Covered after 24 hour delay

BAGGAGE DELAY (En Route to Destination Only)

The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip.

You must be a ticketed passenger on a Common Carrier.

All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
80

Ruby

$300 per person
$300 daily limit
Covered after 12 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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81

Diamond

$500 per person
$500 daily limit
Covered after 12 hour delay

BAGGAGE DELAY

We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.

This coverage is conditioned on You being a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchase or replacement of necessary personal effects must accompany any claim.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
82

Atlas Journey Economy

$200 per person
Covered after 12 hour delay

Baggage Delay

We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the Covered Expenses listed below if Your Baggage is delayed or misdirected by a Common Carrier for twelve (12) hours or more from Your time of arrival at Your Trip destination (coverage is not applicable for Your arrival at Your Scheduled Return Destination).

For this benefit, Covered Expenses shall mean:

1. the cost of reasonable and necessary additional clothing and personal items purchased by You while Your Baggage is delayed or misdirected;

2. paid expenses You incur during Your Trip to launder the clothing in Your possession while Your checked Baggage is delayed or misdirected, up to the sub-limit shown in the Schedule of Benefits; and

3. paid expenses You incur during Your Trip to track, locate and/or expedite the return of Your delayed or misdirected Baggage, up to the sub-limit shown in the Schedule of Benefits.

Coverage under this benefit terminates upon Your arrival at Your Scheduled Return Destination of Your Trip or when Your Baggage is returned to You, whichever is sooner.

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83

Atlas Journey Preferred

$300 per person
Covered after 12 hour delay

Baggage Delay

We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the Covered Expenses listed below if Your Baggage is delayed or misdirected by a Common Carrier for twelve (12) hour or more from Your time of arrival at Your Trip destination (coverage is not applicable for Your arrival at Your Scheduled Return Destination).

For this benefit, Covered Expenses shall mean:

1. the cost of reasonable and necessary additional clothing and personal items purchased by You while Your Baggage is delayed or misdirected;

2. paid expenses You incur during Your Trip to launder the clothing in Your possession while Your checked Baggage is delayed or misdirected, up to the sub-limit shown in the Schedule of Benefits; and

3. paid expenses You incur during Your Trip to track, locate and/or expedite the return of Your delayed or misdirected Baggage, up to the sub-limit shown in the Schedule of Benefits.

Coverage under this benefit terminates upon Your arrival at Your Scheduled Return Destination of Your Trip or when Your Baggage is returned to You, whichever is sooner.

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84

Atlas Journey Premier

$500 per person
Covered after 12 hour delay

Baggage Delay

We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the Covered Expenses listed below if Your Baggage is delayed or misdirected by a Common Carrier for twelve (12) hours or more from Your time of arrival at Your Trip destination (coverage is not applicable for Your arrival at Your Scheduled Return Destination).

For this benefit, Covered Expenses shall mean:

1. the cost of reasonable and necessary additional clothing and personal items purchased by You while Your Baggage is delayed or misdirected;
2. paid expenses You incur during Your Trip to launder the clothing in Your possession while Your checked Baggage is delayed or misdirected, up to the sub-limit shown in the Schedule of Benefits; and
3. paid expenses You incur during Your Trip to track, locate and/or expedite the return of Your delayed or misdirected Baggage, up to the sub-limit shown in the Schedule of Benefits.

Coverage under this benefit terminates upon Your arrival at Your Scheduled Return Destination of Your Trip or when Your Baggage is returned to You, whichever is sooner.

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