Baggage Delay Full Policy Wording
Each policy’s Baggage Delay coverage is detailed below. View the coverage summary here.
April Travel Protection
Choice
April Travel Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
Choice
April Travel Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
Arch RoamRight
Essential
Arch RoamRight
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
Preferred
Arch RoamRight
Baggage Delay Benefits
$300 per person
Covered after 12 hour delay
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).
Elite
Arch RoamRight
Baggage Delay Benefits
$500 per person
Covered after 12 hour delay
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).
Multi-Trip
Arch RoamRight
Baggage Delay Benefits
$300 per person
Covered after 24 hour delay
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
Silver
AXA Assistance USA
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
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.
Platinum
AXA Assistance USA
Baggage Delay Benefits
$600 per person
Covered after 12 hour delay
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.
Berkshire Hathaway Travel Protection
ExactCare
Berkshire Hathaway Travel Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
ExactCare Value
Berkshire Hathaway Travel Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
Cat 70
Travel Plan
Cat 70
Baggage Delay Benefits
$200 per person
$100 daily limit
Covered after 24 hour delay
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
Standard
Generali Global Assistance
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
Preferred
Generali Global Assistance
Baggage Delay Benefits
$300 per person
Covered after 18 hour delay
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.
Premium
Generali Global Assistance
Baggage Delay Benefits
$500 per person
Covered after 12 hour delay
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.
GeoBlue
Full Policy Wording
There is no Baggage Delay coverage with this plan.
Full Policy Wording
There is no Baggage Delay coverage with this plan.
HTH Travel Insurance
TripProtector Preferred
HTH Travel Insurance
Baggage Delay Benefits
$400 per person
Covered after 12 hour delay
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.
TripProtector Economy
HTH Travel Insurance
Baggage Delay Benefits
$100 per person
Covered after 24 hour delay
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.
TripProtector Classic
HTH Travel Insurance
Baggage Delay Benefits
$200 per person
Covered after 12 hour delay
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
Travel Lite
iTravelInsured
Baggage Delay Benefits
$150 per person
Covered after 24 hour delay
Full Policy Wording
Baggage Delay:
If, while on a Trip, your checked baggage is delayed or misdirected by a Common Carrier for more than twenty-four (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.
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.
Travel SE
iTravelInsured
Baggage Delay Benefits
$250 per person
Covered after 12 hour delay
Full Policy Wording
Baggage Delay:
If, while on a Trip, your checked baggage is delayed or misdirected by a Common Carrier for more than twelve (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
Travel LX
iTravelInsured
Baggage Delay Benefits
$500 per person
Covered after 12 hour delay
Full Policy Wording
Baggage Delay:
If, while on a Trip, your checked baggage is delayed or misdirected by a Common Carrier for more than twelve (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.
John Hancock Insurance Agency, Inc.
Bronze
John Hancock Insurance Agency, Inc.
Baggage Delay Benefits
$250 per person
$250 daily limit
Covered after 12 hour delay
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.
Silver
John Hancock Insurance Agency, Inc.
Baggage Delay Benefits
$500 per person
$500 daily limit
Covered after 12 hour delay
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.
Gold
John Hancock Insurance Agency, Inc.
Baggage Delay Benefits
$500 per person
$500 daily limit
Covered after 12 hour delay
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
Full Policy Wording
There is no Baggage Delay coverage with this plan.
Full Policy Wording
There is no Baggage Delay coverage with this plan.
Full Policy Wording
There is no Baggage Delay coverage with this plan.
Nationwide Mutual Insurance Company
Essential
Nationwide Mutual Insurance Company
Baggage Delay Benefits
$100 per person
Covered after 12 hour delay
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.
Prime
Nationwide Mutual Insurance Company
Baggage Delay Benefits
$600 per person
Covered after 12 hour delay
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.
Seven Corners Inc
RoundTrip Choice
Seven Corners Inc
Baggage Delay Benefits
$300 per person
Covered after 12 hour delay
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.
RoundTrip Economy
Seven Corners Inc
Baggage Delay Benefits
$100 per person
Covered after 24 hour delay
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.
RoundTrip Elite
Seven Corners Inc
Baggage Delay Benefits
$600 per person
Covered after 12 hour delay
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.
Tin Leg
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.
Standard
Tin Leg
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
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.
Travel Insured International
Worldwide Trip Protector Lite
Travel Insured International
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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 Confirmation of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 24 hours or more during Your Trip.
Additional Limitations and Exclusions Specific to Baggage and Personal Effects:
Benefits are not payable for any loss caused by or resulting from:
a) breakage of brittle or fragile articles;
b) wear and tear or gradual deterioration;
c) confiscation or appropriation by order of any government or custom’s rule;
d) theft or pilferage while left in any unlocked or unattended vehicle;
e) property illegally acquired, kept, stored or transported;
f) Your negligent acts or omissions; or
g) property shipped as freight or shipped prior to the Scheduled Departure Date;
h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.
Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance.
Additional Claims Provisions Specific to Baggage
Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:
a) take all reasonable steps to protect, save or recover the property;
b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss;
c) produce records needed to verify the claim and its amount, and permit copies to be made;
d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items ; and
e) allow the company to examine baggage or personal effects, if requested.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
Worldwide Trip Protector Plus
Travel Insured International
Baggage Delay Benefits
$300 per person
Covered after 12 hour delay
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 Confirmation of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You , if Your Baggage is delayed for 12 hours or more during Your Trip.
Additional Limitations and Exclusions Specific to Baggage and Personal Effects:
Benefits are not payable for any loss caused by or resulting from:
a) breakage of brittle or fragile articles;
b) wear and tear or gradual deterioration;
c) confiscation or appropriation by order of any government or custom’s rule;
d) theft or pilferage while left in any unlocked or unattended vehicle;
e) property illegally acquired, kept, stored or transported;
f) Your negligent acts or omissions; or
g) property shipped as freight or shipped prior to the Scheduled Departure Date;
h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.
Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance.
Additional Claims Provisions Specific to Baggage
Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:
a) take all reasonable steps to protect, save or recover the property:
b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:
c) produce records needed to verify the claim and its amount and permit copies to be made:
d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items : and
e) allow the company to examine baggage or personal effects, if requested.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
Worldwide Trip Protector
Travel Insured International
Baggage Delay Benefits
$300 per person
Covered after 12 hour delay
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 Confirmation of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 12 hours or more during Your Trip.
Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from:
a) breakage of brittle or fragile articles;
b) wear and tear or gradual deterioration;
c) confiscation or appropriation by order of any government or custom’s rule;
d) theft or pilferage while left in any unlocked or unattended vehicle;
e) property illegally acquired, kept, stored or transported;
f) Your negligent acts or omissions; or
g) property shipped as freight or shipped prior to the Scheduled Departure Date;
h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.
Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance.
Additional Claims Provisions Specific to Baggage Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:
a) take all reasonable steps to protect, save or recover the property:
b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of Your property at the time of loss:
c) produce records needed to verify the claim and its amount ,and permit copies to be made:
d) send proof of loss as soon as reasonably possible after date of loss, providing date, time, and cause of loss, and a complete list of damaged/lost items : and
e) allow the company to examine baggage or personal effects, if requested.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
Travelex Insurance Services
Travel Basic
Travelex Insurance Services
Baggage Delay Benefits
$100 per person
Covered after 12 hour delay
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.
Travel Select
Travelex Insurance Services
Baggage Delay Benefits
$200 per person
Covered after 12 hour delay
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
Basic
TravelSafe
Baggage Delay Benefits
$100 per person
Covered after 12 hour delay
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.
Classic
TravelSafe
Baggage Delay Benefits
$250 per person
Covered after 12 hour delay
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.
Classic Plus
TravelSafe
Baggage Delay Benefits
$250 per person
Covered after 12 hour delay
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
Safe Travels 3 In 1
Trawick International
Baggage Delay Benefits
$300 per person
Covered after 12 hour delay
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.
Safe Travels Single Trip
Trawick International
Baggage Delay Benefits
$200 per person
Covered after 12 hour delay
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.
Safe Travels First Class
Trawick International
Baggage Delay Benefits
$400 per person
Covered after 12 hour delay
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.
USA-Assist Worldwide Protection
GlobalTrip Classic
USA-Assist Worldwide Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
GlobalTrip Saver
USA-Assist Worldwide Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
GlobalTrip Plus
USA-Assist Worldwide Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.
GlobalTrip High Medical
USA-Assist Worldwide Protection
Baggage Delay Benefits
$200 per person
Covered after 24 hour delay
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.