Sports Equipment & Fees Full Policy Wording

Each policy’s Sports Equipment & Fees coverage is detailed below. View the coverage summary here.

Arch RoamRight
Arch RoamRight

1

Elite
Arch RoamRight

Sports Equipment & Fees Benefits

Optional coverage

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OPTIONAL SPORTS EQUPIMENT AND BUSINESS EQUIPMENT RENTAL

If Your Business Equipment or sports equipment is lost, stolen, damaged, destroyed or delayed by a Common Carrier for 6 hours or more during Your Trip for the reasons covered by the Baggage and Baggage Delay benefits, We will reimburse You on a one-time basis, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable costs of renting Business Equipment or sports equipment during Your Trip.

A police report is required if Your Business Equipment or sports equipment is stolen. Documentation from the Common Carrier is required for proof of damage, delay, or loss by a Common Carrier. Original receipts and list of stolen, damaged or lost Business Equipment or sports equipment must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the Business Equipment or sports equipment is damaged.

For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $500 per item for Business Equipment or sports equipment.

OPTIONAL SPORTS COVERAGE

If Your Trip is canceled or interrupted due to a covered Unforeseen reason, coverage is provided for the costs of unused non-refundable deposits and payments that were arranged separately from the vacation for pre-paid lift tickets, green fees, equipment rentals and lessons up to the amount shown in the Schedule of Benefits.

AXA Assistance USA
AXA Assistance USA

2

Platinum
AXA Assistance USA

Sports Equipment & Fees Benefits

$1,000 per person

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SPORTS EQUIPMENT RENTAL

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, for the reasonable cost of renting sports equipment during the Trip if, while on the Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for twelve (12) hours or more.

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

OTHER SPORTS BENEFITS

LOST GOLF ROUNDS – $500

If You are unable to Golf during the Trip due to the inability to complete on at least nine (9) holes of an eighteen (18) hole round due to weather during the round where the Club Management expressly cancels or puts Your Golf round on delay or suspension for more than three (3) hours on the day of play, and documents same, the Company will reimburse You (on a pro-rated basis) for the value of Your pre-paid Golf tickets or greens fees for each day of the loss of Golf during Your Trip, up to the Maximum Benefit shown on the Confirmation of Coverage.

“Golf” or “Golfing” means the recreation of playing Golf on an officially registered Golf Course measuring over 4,000 yards with a par rating of at least sixty-eight (68) for eighteen (18) holes of play, or that has multiple eighteen (18) hole Courses of at least 4,000 yard search, with in the resort and operated by the same management, that is accessed by a prepaid use ticket for rounds, play time, and/or use or admission. However, Golf or Golfing does not include miniature, executive or par-3 courses, or Golf that takes place where discounted rates are in effect for “twilight,” early evening, winter season, or nighttime play.

CONDITIONS – Golfing:

a) You must have made a confirmed reservation, including a pre-paid deposit, at least forty-eight (48) hours in advance of Your tee time with the course management;

b) You must incur a cancellation charge by the course management if You do not play, or lose the value of Your Golf fees if play is suspended. If the operator issues You a credit, there is no loss.

c) You or Your playing group must not have caused any delay by missing or initiating Your game past the reserved start time for the round;

d) This benefit applies only to Golfing that takes place during the high season for Golf at Your destination, meaning when the average playing temperature within twenty (20) miles of the Course is expected to be, and is historically measured by local forecast at above sixty (60) degrees Fahrenheit at 12 noon.

You must provide a copy of the pre-paid Golf receipts and reports from the Resort or Course management stating the date, length of time, and reason for Course closure or reason for cancellation or suspension for which You are submitting a claim.

LOST SKIER DAYS – $500

If You or a Traveling Companion are unable to Ski during the Trip due to 50% or more of the Trails closing for at least eight (8) consecutive hours, (excluding night Skiing), from lack of snow cover or stormy weather during the Trip, the Company will reimburse You (on a pro-rated basis) the value of Your or the Traveling Companion’s pre-paid Ski tickets for each day the closure or reduction in Trails during the Trip up to the Maximum Benefit shown on the Confirmation of Coverage.

“Ski” or “Skiing” means winter recreation of snow skiing, snowboarding, or telemarking on Trail systems as accessed by a prepaid use ticket for lifts and/or use or admission, but does not include cross country skiing, back country skiing, heli – skiing, extreme skiing, snowcat skiing, ski-jumping, off-piste skiing, tubing, luging, half-pipes, terrain parks, or other snow play activities either on or off Trails.

“Trails” means named skier paths as designated for downhill travel as shown on a resort trail map using the international difficulty rating. Trails does not include connecting paths or cross-overs between downhill trails, trails that are outside the established marked and patrolled boundaries of a ski resort, or areas designated as unsafe or closed by ski resort management for avalanche control work.

CONDITIONS

a) Benefits begin on the later of the date You or the Traveling Companion arrive at the resort and begin to Ski or the date You or the Traveling Companion have a valid Ski lift ticket;

b) A minimum of ten (10) Trails must be open on the date You or the Traveling Companion arrive at the resort in order to be eligible for this Benefit;

c) This Benefit does not apply to reimbursement for season passes or towards night Skiing;

d) This Benefit is eligible to Skiing that takes place between December 1 and March 31 only;

e) Maximum Ski lift ticket purchase to be covered is a 6 day skier ticket;

f) If Your or the Traveling Companion’s Ski ticket applies to multiple ski mountains within a fifty (50) mile radius and one of the other Ski mountains for that Ski ticket does not meet these Benefits and Conditions, this Benefit is not provided;

g) Maximum Benefit is equal to the lesser of two (2) days or the amount noted on the Confirmation of Coverage.

You or the Traveling Companion must provide a copy of the pre-paid Ski lift ticket receipts and reports from the Ski Resort or Mountain stating the date, length of time, number and reason of Trail closures for which You or the Traveling Companion are submitting a claim.

Generali Global Assistance
Generali Global Assistance

3

Preferred
Generali Global Assistance

Sports Equipment & Fees Benefits

$1,500 per person

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SPORTING EQUIPMENT COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Sporting Equipment during your Trip, provided you have taken reasonable steps to protect your Sporting Equipment against loss, theft, damage and destruction.

Valuation and Payment of Loss

Payment of loss under the Sporting Equipment Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Sporting Equipment.

We may take all or part of damaged Sporting Equipment as a condition for payment of loss. In the event of a loss to a pair or set of items, we will:

1. repair or replace any part to restore the pair or set to its value before the loss; or

2. pay the difference between the value of the property before and after the loss.

Continuation of Coverage

If the covered Sporting Equipment is in the custody of a Common Carrier, and delivery is delayed, this coverage will continue until the property is delivered to you. This continuation of coverage does not include loss caused by or resulting from the delay.

Items Not Covered

We will not pay for damage to or loss of:

1. boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; or

2. artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; or

3. illegal items and contraband.

Losses Not Covered

We will not pay for loss arising from:

1. defective materials or craftsmanship; or

2. normal wear and tear, gradual deterioration, inherent vice; or

3. rodents, animals, insects or vermin; or

4. mysterious disappearance; or

5. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Your Duties in the Event of a Loss

In case of loss, theft or damage to Sporting Equipment, you must:

1. immediately report the incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and

2. take reasonable steps to protect your Sporting Equipment from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Sporting Equipment.

SPORTING EQUIPMENT DELAY COVERAGE

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

Limitations

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

4

Premium
Generali Global Assistance

Sports Equipment & Fees Benefits

$2,000 per person

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SPORTING EQUIPMENT COVERAGE

We will reimburse you, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Sporting Equipment during your Trip, provided you have taken reasonable steps to protect your Sporting Equipment against loss, theft, damage and destruction.

Valuation and Payment of Loss

Payment of loss under the Sporting Equipment Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Sporting Equipment.

We may take all or part of damaged Sporting Equipment as a condition for payment of loss. In the event of a loss to a pair or set of items, we will:

1. repair or replace any part to restore the pair or set to its value before the loss; or

2. pay the difference between the value of the property before and after the loss.

Continuation of Coverage

If the covered Sporting Equipment is in the custody of a Common Carrier, and delivery is delayed, this coverage will continue until the property is delivered to you. This continuation of coverage does not include loss caused by or resulting from the delay.

Items Not Covered

We will not pay for damage to or loss of:

1. boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; or

2. artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; or

3. illegal items and contraband.

Losses Not Covered

We will not pay for loss arising from:

1. defective materials or craftsmanship; or

2. normal wear and tear, gradual deterioration, inherent vice; or

3. rodents, animals, insects or vermin; or

4. mysterious disappearance; or

5. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Your Duties in the Event of a Loss

In case of loss, theft or damage to Sporting Equipment, you must:

1. immediately report the incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and

2. take reasonable steps to protect your Sporting Equipment from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Sporting Equipment.

SPORTING EQUIPMENT DELAY COVERAGE

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

Limitations

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

iTravelInsured
iTravelInsured

5

Travel LX
iTravelInsured

Sports Equipment & Fees Benefits

$2,000 per person

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Sports Equipment Rental

If, while on Your Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for twelve (12) hours or more, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable cost of renting sports equipment during Your Trip.

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

Seven Corners Inc
Seven Corners Inc

6

RoundTrip Choice
Seven Corners Inc

Sports Equipment & Fees Benefits

Optional coverage

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OPTIONAL LOST SKIER DAYS

If You are unable to ski during Your Trip due to 50% or more of the mountain trails closing during Your Trip, benefits will be paid, on a one-time basis, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for: the value of the ski lift ticket for the date/time of the closure only will be paid.

“Trails” means named skier paths with grade of difficulty intended to provide skiing down the mountain. Trails does not include connecting paths between trails.

1. Benefits begin on the date You arrive at the mountain or the date You have a valid ski lift ticket;

2. A minimum of 10 trails must be open on the date of Your arrival at the mountain in order to be eligible for this Benefit;

3. This Benefit does not apply to Season Passes;

4. If Your ski lift ticket applies to multiple ski mountains and one of the mountains is open for skiing per this Benefit as noted above, this Benefit is not provided;

5. Written documentation from authorized personnel at the ski location must be submitted as proof of loss;

6. Maximum Lost Skier Days Benefit is $500.

Benefits are not payable for lift tickets under this Lost Skier Days Benefit if lift tickets are used for:

• Heli-Skiing

• Back Country Skiing.

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

OPTIONAL LOST GOLF ROUNDS

If You or Your Traveling Companion are unable to Golf during Your Trip due to the inability to complete play on at least nine (9) holes of an eighteen (18) hole round due to weather during the round where the Course management expressly cancels or puts the Golf round on delay or suspension for more than three (3) hours on the day of play, and documents same, the Company will reimburse You (on a pro-rated basis) for the value of Your Prepaid Golf tickets or greens fees for each day of the loss of Golf during Your Trip, up to the Maximum Benefit Amount shown on the Schedule of Benefits.

You must provide a copy of the Prepaid Golf receipts and reports from the resort or Course management stating the date, length of time, and reason for Course closure or reason for cancellation or suspension for which You are submitting a claim.

“Golf” or “Golfing” means the recreation of playing Golf on an officially registered Golf Course measuring over 4,000 yards with a par rating of at least sixty-eight (68) for eighteen (18) holes of play, or that has multiple eighteen (18) hole Courses of at least 4,000 yards each, within the resort and operated by the same management, that is accessed by a prepaid use ticket for rounds, play time, and/or use or admission. However, Golf or Golfing does not include miniature, executive or par- 3 courses, or Golf that takes place where discounted rates are in effect for “twilight,” early evening, winter season, or nighttime play.

“Course” means land that is specifically and physically maintained for use as a Golf Course and depicted for such on a course card with distance and/or slope and handicap ratings as provided by management.

This Lost Golf rounds Benefit does not cover loss, delay, or suspension of Golf due to actual and/or tangible damage to the Course from any reason whatsoever, regardless of cause.

The following conditions must be met for this Lost Golf rounds Benefit to be payable:

a) You must have made a confirmed reservation, including a Prepaid deposit, at least forty-eight (48) hours in advance of Your tee time with the course management;

b) You must incur a cancellation charge by the course management if You do not play, or lose the value of Your Golf fees if play is suspended. If the operator issues You a credit, there is no loss.

c) You or Your playing group must not have caused any delay by missing or initiating Your game past the reserved start time for the round;

d) Maximum tee time reservations covered is five rounds for any one Trip.

7

RoundTrip Elite
Seven Corners Inc

Sports Equipment & Fees Benefits

Optional coverage

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OPTIONAL LOST SKIER DAYS

If You are unable to ski during Your Trip due to 50% or more of the mountain trails closing during Your Trip, benefits will be paid, on a one-time basis, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for: the value of the ski lift ticket for the date/time of the closure only will be paid.

“Trails” means named skier paths with grade of difficulty intended to provide skiing down the mountain. Trails does not include connecting paths between trails.

1. Benefits begin on the date You arrive at the mountain or the date You have a valid ski lift ticket;

2. A minimum of 10 trails must be open on the date of Your arrival at the mountain in order to be eligible for this Benefit;

3. This Benefit does not apply to Season Passes;

4. If Your ski lift ticket applies to multiple ski mountains and one of the mountains is open for skiing per this Benefit as noted above, this Benefit is not provided;

5. Written documentation from authorized personnel at the ski location must be submitted as proof of loss;

6. Maximum Lost Skier Days Benefit is $500.

Benefits are not payable for lift tickets under this Lost Skier Days Benefit if lift tickets are used for:

• Heli-Skiing

• Back Country Skiing.

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

OPTIONAL LOST GOLF ROUNDS

If You or Your Traveling Companion are unable to Golf during Your Trip due to the inability to complete play on at least nine (9) holes of an eighteen (18) hole round due to weather during the round where the Course management expressly cancels or puts the Golf round on delay or suspension for more than three (3) hours on the day of play, and documents same, the Company will reimburse You (on a pro-rated basis) for the value of Your Prepaid Golf tickets or greens fees for each day of the loss of Golf during Your Trip, up to the Maximum Benefit Amount shown on the Schedule of Benefits.

You must provide a copy of the Prepaid Golf receipts and reports from the resort or Course management stating the date, length of time, and reason for Course closure or reason for cancellation or suspension for which You are submitting a claim.

“Golf” or “Golfing” means the recreation of playing Golf on an officially registered Golf Course measuring over 4,000 yards with a par rating of at least sixty-eight (68) for eighteen (18) holes of play, or that has multiple eighteen (18) hole Courses of at least 4,000 yards each, within the resort and operated by the same management, that is accessed by a prepaid use ticket for rounds, play time, and/or use or admission. However, Golf or Golfing does not include miniature, executive or par-3 courses, or Golf that takes place where discounted rates are in effect for “twilight,” early evening, winter season, or nighttime play.

“Course” means land that is specifically and physically maintained for use as a Golf Course and depicted for such on a course card with distance and/or slope and handicap ratings as provided by management.

This Lost Golf rounds Benefit does not cover loss, delay, or suspension of Golf due to actual and/or tangible damage to the Course from any reason whatsoever, regardless of cause.

The following conditions must be met for this Lost Golf rounds Benefit to be payable:

a) You must have made a confirmed reservation, including a Prepaid deposit, at least forty-eight (48) hours in advance of Your tee time with the course management;

b) You must incur a cancellation charge by the course management if You do not play, or lose the value of Your Golf fees if play is suspended. If the operator issues You a credit, there is no loss.

c) You or Your playing group must not have caused any delay by missing or initiating Your game past the reserved start time for the round;

d) Maximum tee time reservations covered is five rounds for any one Trip.

COVERAGE J

OPTIONAL SPORTS EQUIPMENT RENTAL

If, while on Your Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for 12 hours or more, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable cost of renting sports equipment during Your Trip. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

TravelSafe
TravelSafe

8

Basic
TravelSafe

Sports Equipment & Fees Benefits

Optional coverage

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EXTENDED PERSONAL PROPERTY BENEFITS

1. The following benefit is added as follows:

SPORTS EQUIPMENT RENTAL

If, while on Your Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for 12 hours or more, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the reasonable cost of renting sports equipment during Your Trip.

2. The Baggage and Personal Effects does not include section is amended to delete the following exclusions:

15) professional or occupational equipment or property, whether or not electronic business equipment;

17) telephones or PDA devices, computer hardware or software.

Coverage on property listed in item #2 above is subject to a $100 deductible per occurence.

The maximum limit of liability for: professional or occupational equipment or property, whether or not electronic business equipment; telephones or PDA devices, computer hardware or software; and Sports Equipment Rental is $1,000.

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

9

Classic
TravelSafe

Sports Equipment & Fees Benefits

Optional coverage

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EXTENDED PERSONAL PROPERTY BENEFITS

1. The following benefit is added as follows:

SPORTS EQUIPMENT RENTAL

If, while on Your Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for 12 hours or more, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the reasonable cost of renting sports equipment during Your Trip.

2. The Baggage and Personal Effects does not include section is amended to delete the following exclusions:

15) professional or occupational equipment or property, whether or not electronic business equipment;

17) telephones or PDA devices, computer hardware or software.

Coverage on property listed in item #2 above is subject to a $100 deductible per occurence.

The maximum limit of liability for: professional or occupational equipment or property, whether or not electronic business equipment; telephones or PDA devices, computer hardware or software; and Sports Equipment Rental is $1,000.

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

10

Classic Plus
TravelSafe

Sports Equipment & Fees Benefits

Optional coverage

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EXTENDED PERSONAL PROPERTY BENEFITS

1. The following benefit is added as follows:

SPORTS EQUIPMENT RENTAL

If, while on Your Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for 12 hours or more, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the reasonable cost of renting sports equipment during Your Trip.

2. The Baggage and Personal Effects does not include section is amended to delete the following exclusions:

15) professional or occupational equipment or property, whether or not electronic business equipment;

17) telephones or PDA devices, computer hardware or software.

Coverage on property listed in item #2 above is subject to a $100 deductible per occurence.

The maximum limit of liability for: professional or occupational equipment or property, whether or not electronic business equipment; telephones or PDA devices, computer hardware or software; and Sports Equipment Rental is $1,000.

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