Baggage Delay Full Policy Wording

Each policy’s Baggage Delay coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Choice
April Travel Protection

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

2

Choice
April Travel Protection

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

3

Annual Plan
April Travel Protection

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

4

Pandemic Plus
April Travel Protection

Baggage Delay Benefits

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

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Full Policy Wording

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.

Arch RoamRight
Arch RoamRight

5

Essential
Arch RoamRight

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

6

Preferred
Arch RoamRight

Baggage Delay Benefits

$300 per person
Covered after 12 hour delay

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Full Policy Wording

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 12 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.

OPTIONAL BAGGAGE UPGRADE

When You purchase this Baggage Upgrade, the following coverage changes apply:

1. the Excess Insurance Provision does not apply to Baggage and Personal Effects; and

2. Benefits will be paid up to the Maximum Benefit Amount shown in the Schedule of Benefits under the Baggage Delay coverage, if Your checked Baggage is delayed or misdirected by a Common Carrier for more than six (6) hours, while on Your Trip (except for travel to Your final return destination or place of residence).

7

Multi-Trip
Arch RoamRight

Baggage Delay Benefits

$300 per person
Covered after 24 hour delay

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Full Policy Wording

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.

AXA Assistance USA
AXA Assistance USA

8

Silver
AXA Assistance USA

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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 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.

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.

9

Gold
AXA Assistance USA

Baggage Delay Benefits

$300 per person
Covered after 24 hour delay

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Full Policy Wording

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 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.

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.

10

Platinum
AXA Assistance USA

Baggage Delay Benefits

$600 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

battleface
battleface

11

Travel Medical Single Trip
battleface

Baggage Delay Benefits

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

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Full Policy Wording

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.

12

Adventure Travel Single Trip
battleface

Baggage Delay Benefits

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

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Full Policy Wording

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.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

13

ExactCare
Berkshire Hathaway Travel Protection

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

14

ExactCare Value
Berkshire Hathaway Travel Protection

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

15

LuxuryCare
Berkshire Hathaway Travel Protection

Baggage Delay Benefits

$200 fixed per person
Covered after 12 hour delay

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Full Policy Wording

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.

Cat 70
Cat 70

16

Travel Plan
Cat 70

Baggage Delay Benefits

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

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Full Policy Wording

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.

Generali Global Assistance
Generali Global Assistance

17

Standard
Generali Global Assistance

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

18

Preferred
Generali Global Assistance

Baggage Delay Benefits

$300 per person
Covered after 18 hour delay

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Full Policy Wording

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.

19

Premium
Generali Global Assistance

Baggage Delay Benefits

$500 per person
Covered after 12 hour delay

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Full Policy Wording

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.

GeoBlue
GeoBlue

20

Trekker Choice excl US
GeoBlue

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

21

Trekker Essential excl US
GeoBlue

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

Global Underwriters
Global Underwriters

22

Diplomat America
Global Underwriters

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

23

Diplomat International
Global Underwriters

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

24

Diplomat LT excl US
Global Underwriters

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

25

Diplomat LT incl US
Global Underwriters

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance

26

TripProtector Preferred
HTH Travel Insurance

Baggage Delay Benefits

$400 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

27

TripProtector Economy
HTH Travel Insurance

Baggage Delay Benefits

$100 per person
Covered after 24 hour delay

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Full Policy Wording

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 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.

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.

28

TripProtector Classic
HTH Travel Insurance

Baggage Delay Benefits

$200 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

INF Visitor Care
INF Visitor Care

29

TravelCare Basic
INF Visitor Care

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

30

TravelCare Plus
INF Visitor Care

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

31

Traveler USA
INF Visitor Care

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

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

32

Bronze
John Hancock Insurance Agency, Inc.

Baggage Delay Benefits

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

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Full Policy Wording

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.

33

Silver
John Hancock Insurance Agency, Inc.

Baggage Delay Benefits

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

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Full Policy Wording

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.

34

Gold
John Hancock Insurance Agency, Inc.

Baggage Delay Benefits

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

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Full Policy Wording

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.

MedjetAssist
MedjetAssist

35

Annual Membership
MedjetAssist

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

36

MedjetAssist Extended Stay
MedjetAssist

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

37

MedjetAssist Short Term Plan
MedjetAssist

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

38

Essential
Nationwide Mutual Insurance Company

Baggage Delay Benefits

$100 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

39

Prime
Nationwide Mutual Insurance Company

Baggage Delay Benefits

$600 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

40

Cruise Universal
Nationwide Mutual Insurance Company

Baggage Delay Benefits

$250 per person
Covered after 8 hour delay

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Full Policy Wording

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 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.

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.

41

Cruise Choice
Nationwide Mutual Insurance Company

Baggage Delay Benefits

$500 per person
Covered after 8 hour delay

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Full Policy Wording

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 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.

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.

42

Cruise Luxury
Nationwide Mutual Insurance Company

Baggage Delay Benefits

$1,000 per person
Covered after 6 hour delay

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Full Policy Wording

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 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.

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.

Seven Corners Inc
Seven Corners Inc

43

RoundTrip Choice
Seven Corners Inc

Baggage Delay Benefits

$300 per person
Covered after 12 hour delay

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Full Policy Wording

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.

44

RoundTrip Economy
Seven Corners Inc

Baggage Delay Benefits

$100 per person
Covered after 24 hour delay

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Full Policy Wording

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.

45

RoundTrip Elite
Seven Corners Inc

Baggage Delay Benefits

$600 per person
Covered after 12 hour delay

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Full Policy Wording

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.

46

Wander Frequent Traveler excl US
Seven Corners Inc

Baggage Delay Benefits

$250 per occurrence
Covered after 24 hour delay

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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.

47

Wander Frequent Traveler Plus excl US
Seven Corners Inc

Baggage Delay Benefits

$250 per occurrence
Covered after 24 hour delay

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Full Policy Wording

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.

Tin Leg
Tin Leg

48

Economy
Tin Leg

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

49

Standard
Tin Leg

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

50

Luxury
Tin Leg

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

51

Adventure
Tin Leg

Baggage Delay Benefits

$150 fixed per person
Covered after 12 hour delay

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Full Policy Wording

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.

52

Gold
Tin Leg

Baggage Delay Benefits

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

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Full Policy Wording

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.

53

USA Only
Tin Leg

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

Travelex Insurance Services
Travelex Insurance Services

54

Travel Basic
Travelex Insurance Services

Baggage Delay Benefits

$100 per person
Covered after 12 hour delay

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Full Policy Wording

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.

55

Travel Select
Travelex Insurance Services

Baggage Delay Benefits

$200 per person
Covered after 12 hour delay

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Full Policy Wording

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.

56

Flight Insure Plus
Travelex Insurance Services

Baggage Delay Benefits

$500 per person
Covered after 12 hour delay

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Full Policy Wording

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.

TravelSafe
TravelSafe

57

Basic
TravelSafe

Baggage Delay Benefits

$100 per person
Covered after 12 hour delay

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Full Policy Wording

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.

58

Classic
TravelSafe

Baggage Delay Benefits

$250 per person
Covered after 12 hour delay

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Full Policy Wording

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.

59

Classic Plus
TravelSafe

Baggage Delay Benefits

$250 per person
Covered after 12 hour delay

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Full Policy Wording

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.

Trawick International
Trawick International

60

Safe Travels USA Cost Saver
Trawick International

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

61

Safe Travels USA Comprehensive
Trawick International

Baggage Delay Benefits

No coverage

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Full Policy Wording

There is no Baggage Delay coverage with this plan.

62

Safe Travels Single Trip
Trawick International

Baggage Delay Benefits

$200 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

63

Safe Travels First Class
Trawick International

Baggage Delay Benefits

$400 per person
Covered after 12 hour delay

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Full Policy Wording

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 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.

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.

64

Safe Travels Outbound excl US
Trawick International

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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 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.

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.

65

Safe Travels Outbound Cost Saver excl US
Trawick International

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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 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.

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.

66

Safe Travels Annual Executive
Trawick International

Baggage Delay Benefits

$250 per trip
Covered after 12 hour delay

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Full Policy Wording

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.

67

Safe Travels Annual Deluxe
Trawick International

Baggage Delay Benefits

$200 per trip
Covered after 12 hour delay

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Full Policy Wording

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.

68

Safe Travels Annual Basic
Trawick International

Baggage Delay Benefits

$100 per trip
Covered after 12 hour delay

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Full Policy Wording

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.

69

Safe Travels Explorer
Trawick International

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

70

Safe Travels Journey
Trawick International

Baggage Delay Benefits

$400 per person
Covered after 12 hour delay

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Full Policy Wording

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.

71

Safe Travels Voyager
Trawick International

Baggage Delay Benefits

$600 per person
Covered after 8 hour delay

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Full Policy Wording

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.

72

Safe Travels Explorer Plus
Trawick International

Baggage Delay Benefits

$200 per person
Covered after 24 hour delay

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Full Policy Wording

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.

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services

73

Ruby
USI Affinity Travel Insurance Services

Baggage Delay Benefits

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

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Full Policy Wording

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.

74

Diamond
USI Affinity Travel Insurance Services

Baggage Delay Benefits

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

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Full Policy Wording

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.