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

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

View full coverage summary for Baggage Delay for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Baggage Delay Benefits
$300 per person $100 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY & DELIVERY

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 12 hours, while on a Covered Trip, except for return travel to Your primary residence.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

5

VIP Plan
APRIL Travel Protection

Baggage Delay Benefits
$500 per person $200 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY & DELIVERY

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 12 hours, while on a Covered Trip, except for return travel to Your primary residence.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

6

Trip Cancellation Plan
APRIL Travel Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Baggage Delay Benefits
$300 per person $100 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE/PERSONAL EFFECTS

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

There is a combined maximum limit shown on the Schedule of Benefits for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; sports equipment; personal computers; radios; cameras; camcorders and their accessories and related equipment; and other electronic items. We will pay You for fees associated with the replacement of Your passport during Your Covered Trip. Receipts are required for reimbursement.

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

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

b) the cost of repair or replacement.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Baggage Delay Benefits
$500 per person $200 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY & DELIVERY

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 12 hours, while on a Covered Trip, except for return travel to Your primary residence.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

9

Choice
APRIL Travel Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

We will pay You, 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 24 hours, while on a Covered Trip.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

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

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

We will pay You, 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 24 hours, while on a Covered Trip.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

11

Gold
AXA Assistance USA

Baggage Delay Benefits
$300 per person $100 daily limit Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

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 24 hours, while on a Covered Trip, except for travel to final destination or place of residence.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

12

Platinum
AXA Assistance USA

Baggage Delay Benefits
$600 per person Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

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 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown in the Schedule or Declarations Page 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 the Insured has reached his/her Return Destination.

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

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.

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

18

Voyager Essential
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

19

Trekker Choice excl US
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

20

Trekker Essential excl US
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

Global Alert
Global Alert

21

Essentials
Global Alert

Baggage Delay Benefits
$100 per person Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

We will pay You, 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 24 hours, while on a Covered Trip.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

22

Preferred
Global Alert

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

We will pay You, 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 24 hours, while on a Covered Trip.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

23

Preferred Plus
Global Alert

Baggage Delay Benefits
$300 per person Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY / BAGGAGE DELIVERY

We will pay You, 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 24 hours, while on a Covered Trip.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

26

TripProtector Preferred
HTH Travel Insurance

Baggage Delay Benefits
$400 per person Covered after 12 hour delay

Quote

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

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

29

TravelGap Excursion excl US
HTH Travel Insurance

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

30

TripProtector Economy
HTH Travel Insurance

Baggage Delay Benefits
$100 per person Covered after 24 hour delay

Quote

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.

31

TripProtector Classic
HTH Travel Insurance

Baggage Delay Benefits
$200 per person Covered after 12 hour delay

Quote

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.

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

Baggage Delay Benefits
$150 per person Covered after 24 hour delay

Quote

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 Declarations Page, 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 Declarations Page, 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.

33

Travel SE
iTravelInsured

Baggage Delay Benefits
$250 per person Covered after 24 hour delay

Quote

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 Declarations Page, 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 Declarations Page, 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.

34

Travel SE
iTravelInsured

Baggage Delay Benefits
$250 per person Covered after 24 hour delay

Quote

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 Declarations Page, 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 Declarations Page, 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.

35

Travel LX
iTravelInsured

Baggage Delay Benefits
$500 per person Covered after 24 hour delay

Quote

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 Declarations Page, 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 Declarations Page, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 24 hours or more during Your Trip.

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

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

Additional Claims Provisions Specific to Baggage:

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

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

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

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

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

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

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

36

Travel LX
iTravelInsured

Baggage Delay Benefits
$500 per person Covered after 24 hour delay

Quote

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 Declarations Page, 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 Declarations Page, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 24 hours or more during Your Trip.

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

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

Additional Claims Provisions Specific to Baggage:

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

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

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

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

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

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

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

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

37

Bronze
John Hancock Insurance Agency, Inc.

Baggage Delay Benefits
$100 per person Covered after 12 hour delay

Quote

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 more than 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

38

Silver
John Hancock Insurance Agency, Inc.

Baggage Delay Benefits
$250 per person Covered after 12 hour delay

Quote

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 more than 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

39

Gold
John Hancock Insurance Agency, Inc.

Baggage Delay Benefits
$600 per person $200 daily limit Covered after 12 hour delay

Quote

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 more than 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

41

MedjetAssist Extended Stay
MedjetAssist

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

42

MedjetAssist Short Term Plan
MedjetAssist

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

Baggage Delay Benefits
$250 per person Covered after 12 hour delay

Quote

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 for 12 hours or more from Your time of arrival at a destination other than Your return destination.

We will also reimburse You, up to $50, 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.

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

44

Bridge
MH Ross Travel Insurance Services

Baggage Delay Benefits
$400 per person $200 daily limit Covered after 12 hour delay

Quote

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 for 12 hours or more from Your time of arrival at a destination other than Your return destination.

We will also reimburse You, up to $50, 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.

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

45

Complete
MH Ross Travel Insurance Services

Baggage Delay Benefits
$400 per person $200 daily limit Covered after 12 hour delay

Quote

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 for 12 hours or more from Your time of arrival at a destination other than Your return destination.

We will also reimburse You, up to $50, 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.

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

46

Asset
MH Ross Travel Insurance Services

Baggage Delay Benefits
$250 per person Covered after 12 hour delay

Quote

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 for 12 hours or more from Your time of arrival at a destination other than Your return destination.

We will also reimburse You, up to $50, 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.

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

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

1. animals;

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

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

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

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

6. artificial limbs or other prosthetic devices;

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

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

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

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

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

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

2) wear and tear or gradual deterioration;

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

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

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

6) Your negligent acts or omissions;

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

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

9) insects, vermin or inherent vice.

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

RoamRight
RoamRight

47

Essential
RoamRight

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

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.

48

Preferred
RoamRight

Baggage Delay Benefits
$300 per person Covered after 12 hour delay

Quote

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.

49

Elite
RoamRight

Baggage Delay Benefits
$500 per person Covered after 12 hour delay

Quote

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.

50

Active
RoamRight

Baggage Delay Benefits
$1,500 per person Covered after 12 hour delay

Quote

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.

51

Adventure
RoamRight

Baggage Delay Benefits
$1,500 per person Covered after 12 hour delay

Quote

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.

52

Multi-Trip
RoamRight

Baggage Delay Benefits
$300 per person Covered after 24 hour delay

Quote

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.

53

Multi-Trip Medical excl US
RoamRight

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

54

Medical excl US
RoamRight

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

Seven Corners Inc
Seven Corners Inc

55

RoundTrip
Seven Corners Inc

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY (OUTWARD JOURNEY ONLY)

The Company will reimburse You for the expense of necessary personal effects, up to the maximum 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, except for travel to 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.

56

RoundTrip Choice
Seven Corners Inc

Baggage Delay Benefits
$400 per person Covered after 24 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY (OUTWARD JOURNEY ONLY)

The Company will reimburse You for the expense of necessary personal effects, up to the maximum 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, except for travel to 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.

57

Liaison Continent excl US
Seven Corners Inc

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

58

Liaison Majestic excl US
Seven Corners Inc

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

59

Liaison International excl US
Seven Corners Inc

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

60

RoundTrip Economy
Seven Corners Inc

Baggage Delay Benefits
$100 per person Covered after 24 hour delay

Quote

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.

61

RoundTrip Elite
Seven Corners Inc

Baggage Delay Benefits
$600 per person Covered after 12 hour delay

Quote

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 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.

Tin Leg
Tin Leg

62

Luxury
Tin Leg

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

Quote

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 more than 24 hours, while on a Covered Trip, except for return travel to Your primary residence.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

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 and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

Travelex Insurance Services
Travelex Insurance Services

63

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

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

64

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Baggage Delay Benefits
$500 per person Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY BENEFITS

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 the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage.

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

The benefit amount payable will not exceed the maximum shown on the Schedule.

65

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

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

66

Flight Insure Plus - Package Plan
Travelex Insurance Services

Baggage Delay Benefits
$500 per person Covered after 12 hour delay

Quote

Full Policy Wording

BAGGAGE DELAY BENEFITS

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 the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage.

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

The benefit amount payable will not exceed the maximum shown on the Schedule.

67

Travel Basic
Travelex Insurance Services

Baggage Delay Benefits
$100 per person Covered after 12 hour delay

Quote

Full Policy Wording

Baggage Delay Benefits

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 Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage.

This coverage terminates upon your arrival Home or to your original scheduled destination.

The benefit amount payable will not exceed the maximum shown on the Schedule.

68

Travel Max
Travelex Insurance Services

Baggage Delay Benefits
$600 per person Covered after 12 hour delay

Quote

Full Policy Wording

Baggage Delay Benefits

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 Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage.

This coverage terminates upon your arrival Home or to your original scheduled destination.

The benefit amount payable will not exceed the maximum shown on the Schedule.

69

Travel Select
Travelex Insurance Services

Baggage Delay Benefits
$250 per person Covered after 12 hour delay

Quote

Full Policy Wording

Baggage Delay Benefits

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 Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage.

This coverage terminates upon your arrival Home or to your original scheduled destination.

The benefit amount payable will not exceed the maximum shown on the Schedule.

TravelSafe
TravelSafe

70

Basic
TravelSafe

Baggage Delay Benefits
$100 per person Covered after 12 hour delay

Quote

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.

71

Classic
TravelSafe

Baggage Delay Benefits
$250 per person Covered after 12 hour delay

Quote

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

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

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

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

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

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

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

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

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

72

Classic Plus
TravelSafe

Baggage Delay Benefits
$250 per person Covered after 12 hour delay

Quote

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.

Trawick International
Trawick International

73

Safe Travels USA
Trawick International

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

74

Safe Travels International excl US
Trawick International

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

75

Safe Travels USA Trip Protection
Trawick International

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

76

Safe Travels International Cost Saver excl US
Trawick International

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

77

Safe Travels USA Cost Saver
Trawick International

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

78

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

79

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

80

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

81

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

82

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

83

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

84

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.

85

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.

86

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.

87

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Baggage Delay Benefits
$200 per person Covered after 24 hour delay

Quote

Full Policy Wording

If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.