Sports Equipment Loss

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.

Covered losses for Sporting Equipment will be subject to a maximum payable of $500 per article/pair/set.

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 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.

Covered losses for Sporting Equipment will be subject to a maximum payable of $500 per article/pair/set.

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.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Sportsman Equipment – $2,500 per covered trip. Deductible – $250

BAGGAGE AND PERSONAL EFFECTS

We will pay you the lesser of:

a. The actual cash value as determined by us; or

b The cost of replacement, up to the maximum limit shown in the schedule of benefits, and subject to the special limitations shown below, for loss, theft or damage to your baggage, personal effects and sportsman’s equipment during your covered trip.

We will also pay for fees incurred to ship your baggage, personal effects and sportsman’s equipment to your location if the lost items are recovered. Benefits are payable only after satisfaction of the deductible shown in the schedule of benefits.

Items over one hundred fifty dollars ($150) must be accompanied by original receipts. If receipts are not provided, the maximum amount payable will be one hundred fifty dollars ($150).

In the event of a loss to a pair or set of items, we will pay the lesser of:

a. The cost to repair or purchase the individual item(s) needed to complete the set or pair; or
b. The original purchase price of the set or pair.

In the event of a loss of your prescription medication, we will reimburse you only for the cost to replace the amount of prescriptions drugs that were lost, stolen, or damaged. The prescribing physician must authorize the replacement and it must be legally permissible to replace the prescription at your location.

Baggage and Personal Effects maximum limit shown in the schedule of benefits also includes:

a. Losses due to unauthorized use of your credit cards if they are lost or stolen during the covered trip. However, this benefit will not apply if you have failed to comply with all requirements imposed by the issuing credit card companies; and

b. The cost to replace your passport or visa if it is lost, stolen or damaged during the covered trip. The loss, theft or damage must be documented by a police report.

Baggage and Personal Effects Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage and Personal Effects benefit. No benefits will be paid for:

a. Loss of, or damage to, motor vehicles;
b. Loss of, or damage to, artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
c. Loss of, or damage to, keys, notes, securities, accounts, deeds, food stamps, bills, or other evidences of debt, money, stamps, stocks and bonds, postal or money orders, and tickets;
d. Loss of, or damage to, property shipped as freight, or shipped prior to the departure date;
e. Loss of, or damage to, contraband;
f. Loss of, or damage to, items seized by any government official or customs official;
g. Damage caused by any process of repair;
h. Loss resulting from defective materials or craftsmanship;
i. Damage caused by radioactive contamination;
j. Loss resulting from mysterious disappearance;
k. Loss resulting from normal wear and tear or deterioration.

Baggage Proof of Loss

You must provide us or our designated representative with the following:

a. An accident, police, or incident report providing details of the incident;
b. Receipts for all items being claimed;
c. A copy of a repair invoice or estimate, if the claim is for damaged baggage;
d. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss. Please note the following sports related exclusions under the policy:

Baggage and Personal Effects does not include:

16) sporting equipment if the loss results from the use thereof;

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.

Included in Baggage & Personal Items Loss.