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, 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.

12

Platinum
AXA Assistance USA

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

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.

CSA Travel Protection
CSA Travel Protection

15

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

16

Voyager Choice
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

17

Voyager Essential
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

18

Trekker Choice excl US
GeoBlue

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

19

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

20

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.

21

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.

22

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

23

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.

24

Atlas MultiTrip incl US
HCC Medical Insurance Services

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

25

Atlas MultiTrip 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

26

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.

27

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.

28

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.

29

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.

30

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.

31

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.

32

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.

InsureandGo USA
InsureandGo USA

33

Silver
InsureandGo USA

Baggage Delay Benefits
$300 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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.

34

Gold
InsureandGo USA

Baggage Delay Benefits
$700 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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.

35

Platinum
InsureandGo USA

Baggage Delay Benefits
$800 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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.

36

Global Silver excl US
InsureandGo USA

Baggage Delay Benefits
$300 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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.

37

Global Gold excl US
InsureandGo USA

Baggage Delay Benefits
$700 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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.

38

Global Platinum excl US
InsureandGo USA

Baggage Delay Benefits
$800 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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

39

Cruise Select
InsureandGo USA

Baggage Delay Benefits
$150 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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

40

Cruise Preferred
InsureandGo USA

Baggage Delay Benefits
$300 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 limit shown on Your Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (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.

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

41

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.

42

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.

43

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.

44

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.

45

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.

46

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

47

Annual Membership
MedjetAssist

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

48

MedjetAssist Extended Stay
MedjetAssist

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

49

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

50

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.

51

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.

52

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.

53

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.

Protect Your Bubble
Protect Your Bubble

54

Basic Plan
Protect Your Bubble

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

55

Deluxe Plan
Protect Your Bubble

Baggage Delay Benefits
$1,000 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.

RoamRight
RoamRight

56

Essential
RoamRight

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 Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip, 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

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.

58

Preferred
RoamRight

Baggage Delay Benefits
$300 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 shown on Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) 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.

Baggage Upgrade:
Baggage Delay decreased to 6 Hours
Business Equipment Coverage Included

BAGGAGE UPGRADE

The Excess Insurance Limitation does not apply.

Baggage Delay coverage is in effect if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than six (6) hours, while on a Trip, except for travel to final destination or place of residence.

59

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.

60

Elite
RoamRight

Baggage Delay Benefits
$500 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 shown on Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) 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.

61

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.

62

Active
RoamRight

Baggage Delay Benefits
$1,500 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 shown on Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) 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.

BAGGAGE UPGRADE

The Excess Insurance Limitation does not apply.

Baggage Delay coverage is in effect if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than six (6) hours, while on a Trip, except for travel to final destination or place of residence.

63

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.

64

Adventure
RoamRight

Baggage Delay Benefits
$1,500 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 shown on Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) 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.

BAGGAGE UPGRADE

The Excess Insurance Limitation does not apply. Baggage Delay coverage is in effect if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than six (6) hours, while on a Trip, except for travel to final destination or place of residence.

65

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.

66

Multi-Trip
RoamRight

Baggage Delay Benefits
$150 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 Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip, 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.

67

Multi-Trip Medical excl US
RoamRight

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

68

Medical excl US
RoamRight

Baggage Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Baggage Delay coverage with this plan.

69

Evacuation
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

70

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.

71

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.

72

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.

73

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.

74

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.

75

Wander Frequent Traveler excl US
Seven Corners Inc

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

Quote

Full Policy Wording

BAGGAGE DELAY

Maximum Benefit Amount: $250

The Company will reimburse You for the expense of necessary personal effects, 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.

Tin Leg
Tin Leg

76

Economy
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.

77

Standard
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.

78

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.

Travel Insured International
Travel Insured International

79

Worldwide Trip Protector Lite
Travel Insured International

Baggage Delay Benefits
$200 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 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.

80

Worldwide Trip Protector Plus
Travel Insured International

Baggage Delay Benefits
$300 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 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.

81

Worldwide Trip Protector
Travel Insured International

Baggage Delay Benefits
$300 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 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
Travelex Insurance Services

82

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.

83

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.

84

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.

85

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.

86

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.

87

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.

88

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

89

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.

90

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.

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.

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.

91

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.

92

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.

93

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.

94

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.

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.

Trawick International
Trawick International

95

Safe Travels USA
Trawick International

Baggage Delay Benefits
Optional coverage

Quote

Full Policy Wording

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

96

Safe Travels International excl US
Trawick International

Baggage Delay Benefits
Optional coverage

Quote

Full Policy Wording

Enhanced Baggage

Benefit Baggage

Delay Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements.

97

Safe Travels USA Trip Protection
Trawick International

Baggage Delay Benefits
Optional coverage

Quote

Full Policy Wording

Enhanced Baggage Benefit

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements. In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, traveler’s checks or money orders.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

98

Safe Travels International Trip Protection excl US
Trawick International

Baggage Delay Benefits
Optional coverage

Quote

Full Policy Wording

Enhanced Baggage Benefit

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $,700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements. In the event of a claim in respect of a pair or set of articles the Insurer shall only be liable in respect of the value of that part of the pair or set which is lost, stolen or damaged;

Property not covered by this Insurance:

1. Unset precious stones, contact or corneal lenses, spectacles or accessories;

2. Stamps, documents, deeds, manuscripts or securities of any kind;

3. Items of a perishable nature;

4. Business goods, samples, tools of trade or motor accessories;

5. Property more specifically insured elsewhere;

6. Household goods and home contents;

7. Cash, travelers checks or money orders.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

99

Safe Travels International Cost Saver excl US
Trawick International

Baggage Delay Benefits
Optional coverage

Quote

Full Policy Wording

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $ 700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements.

100

Safe Travels USA Cost Saver
Trawick International

Baggage Delay Benefits
Optional coverage

Quote

Full Policy Wording

Baggage Delay

Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the Outward Journey for longer than 12 hours, up to a maximum of $100 per day for a maximum of 7 days $700 maximum. Not subject to the deductible. Payment is in excess of all other coverages, refunds and/or reimbursements.

We will not pay benefits for any Baggage Delay loss that is caused by, or results from:

1. Any items purchased after the return of the baggage will not be covered;

2. Any claim must be accompanied by proper receipts with date and time affixed;

3. Benefit does not apply to the return or Homeward Journey.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

101

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.

102

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.

103

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.

104

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.

105

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.

106

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.