$1,000 per person
Provides reimbursement for lost, stolen or damaged baggage or personal items. This coverage is usually for your entire trip, not just your flight. If you have items valued over $1000 it is best to have these items “scheduled” on your home-owners policy.
We will reimburse you, up to the amount shown in the Schedule, less any amounts payable under your homeowner’s or renter’s insurance, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip, provided you have taken reasonable steps to protect your Baggage against loss, theft, damage and destruction. Under this coverage, we will also provide benefits for the administrative fees to reissue lost, stolen or damaged tickets, visas or passports. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.
Valuation and Payment of Loss
Payment of loss under the Baggage 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 Baggage. We may take all or part of damaged Baggage 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 Baggage, passports or visas are 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. animals; or
2. Business Equipment, household furniture, musical instruments, brittle or fragile articles; or
3. boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; or
4. 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
5. documents or tickets (except for administrative fees required to reissue tickets, as noted above); or
6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above; or
7. property shipped as freight or shipped prior to the Scheduled Departure Date; or
8. telephones, computer hardware or software; or 9. consumables, medicines, perfumes, cosmetics and perishables; or
10. items seized by any government, government official or customs official; or
11. illegal drugs 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 Baggage, 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 Baggage 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 Baggage.
“you”, “your” and “yours” refer to the Insured. “we”, “us” and “our” refer to the company providing this coverage. In addition, certain words and phrases are defined as follows:
ACCIDENT means a sudden, unexpected, unintended and external event, which causes Injury.
*This definition changes for residents of the following states: Illinois, Tennessee. Please click here to refer to your certificate of coverage.
ACCOMMODATION means any establishment used for the purpose of temporary overnight lodging for which a fee is paid and reservations are required.
ACTUAL CASH VALUE means purchase price less depreciation.
ADOPTION PROCEEDING means any mandatory meeting as a condition of law requiring the attendance of the prospective adoptive parent(s) with the intent to create a legal parent-child relationship.
AIR FLIGHT ACCIDENT means an Accident that occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.
BAGGAGE means luggage, personal possessions and travel documents taken by you on your Trip.
BUSINESS EQUIPMENT means physical property owned by you used in trade, business, or for the production of income, taken by you for use on your Trip, excluding software, data, and any items defined as Baggage within this Policy.
*This definition changes for residents of the following states: Indiana, Washington. Please click here to refer to your certificate of coverage.
COMMON CARRIER means any land, water or air conveyance, with scheduled and published departure and arrival times, operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
DOMESTIC PARTNER means a person who is at least eighteen years of age and you can show: (1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; (2) evidence of cohabitation for at least the previous 6 months; and (3) an affidavit of domestic partnership if recognized by the jurisdiction within which you reside.
*This definition changes for residents of the following states: Louisiana. Please click here to refer to your certificate of coverage.
ELECTIVE TREATMENT AND PROCEDURES means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.
FAMILY MEMBER means
• Traveling Companion(s)
• Insured’s or Traveling Companion’s Spouse
• Insured’s, Traveling Companion’s or Spouse’s:
• grandparent, great-grandparent, grandchild or greatgrandchild;
• step-parent, step-child or step-sibling;
• son-in-law or daughter-in-law;
• brother-in-law or sister-in-law;
• aunt or uncle;
• niece or nephew;
• legal guardian;
• foster child or legal ward.
*This definition changes for residents of the following states: New York, Oklahoma. Please click here to refer to your certificate of coverage.
FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the jurisdiction of operation other than the entity or the person, organization, agency or firm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services.
HOME means your primary or secondary residence.
HOSPITAL means an institution that meets all of the following requirements: (1) it must be operated according to law; (2) it must give 24-hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis; (3) it must provide diagnostic and surgical facilities supervised by Physicians; (4) registered nurses must be on 24-hour call or duty; and (5) the care must be given either on the hospital’s premises or in facilities available to the hospital on a prearranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).
*This definition changes for residents of the following states: New York, North Carolina. Please click here to refer to your certificate of coverage.
HOST means the person with whom you are scheduled to share pre-arranged overnight accommodations in his/her principal place of residence.
INJURY means bodily harm caused by an Accident which requires the in-person examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
INSURED means the person named on the application form, for whom the required premium payment is received and a Trip is scheduled.
*This definition changes for residents of the following states: New York. Please click here to refer to your certificate of coverage.
INSURER means Generali US Branch. Generali US Branch operates under the following names: In California: Generali Assicurazioni Generali S.p.A. (U.S. Branch) In Virginia: The General Insurance Company of Trieste and Venice – U.S. Branch
*This definition changes for residents of the following states: Colorado, Georgia, Indiana, Kansas, Louisiana, Minnesota, New York, Ohio, Oregon, South Dakota, Washington, Wyoming. Please click here to refer to your certificate of coverage.
OTHER VALID AND COLLECTIBLE HEALTH INSURANCE means any policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes, but is not limited to, group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a covered expense.
PAYMENTS means the cash, check, credit card amounts paid for your Trip, including but not limited to reservation costs, timeshare exchange fees, ownership dues (not including the cost of your vacation ownership) and maintenance fees. Payments also include the units of currency purchased from a travel or vacation club to be used as valuation in payment for arrangements and to access travel arrangements (including but not limited to points, credits or other values). Such currency units must be used in accordance with travel or vacation club rules and must be for travel under a membership or for a deeded real estate product. In the case of currency units, we reserve the right to replace, restore or replenish your currency units in lieu of reimbursement.
PHYSICIAN means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member of yours.
PORT OF CALL means a city or town on a waterway with facilities for loading and unloading cargo where a ship is scheduled to dock, not including the ports of embarkation and disembarkation.
PRE-EXISTING CONDITION means a Sickness or Injury during the 180-day period immediately prior to your effective date for which you or your Traveling Companion: (1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or (2) took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under this Policy.
*This definition changes for residents of the following states: Indiana, Nevada, New York, Washington. Please click here to refer to your certificate of coverage.
PROGRAM ADMINISTRATOR means CSA Travel Protection
*This definition changes for residents of the following states: Colorado, Georgia, Indiana, Kansas, Louisiana, Minnesota, Ohio, Oregon, South Dakota, Washington, Wyoming. Please click here to refer to your certificate of coverage.
QUARANTINE means the enforced isolation of you or your Traveling Companion, for the purpose of preventing the spread of illness, disease or pests.
SCHEDULED DEPARTURE DATE means the date on which you are originally scheduled to leave on your Trip.
SCHEDULED RETURN DATE means the date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.
SCHEDULED TRIP DEPARTURE CITY means the city where the scheduled Trip on which you are to participate originates.
SERVICE ANIMAL means any guide dog, signal dog, or other animal individually trained to work or perform tasks for the benefit of an individual with a disability, including, but not limited to, guiding persons with impaired vision, alerting persons with impaired hearing to intruders or sounds, providing animal protection or rescue work, pulling a wheelchair, or fetching dropped items.
SICKNESS means an illness or disease of the body that requires in-person examination and treatment by a Physician.
SPOUSE means your legally wed husband/wife or Domestic Partner as defined by this Policy.
*This definition changes for residents of the following states: Louisiana. Please click here to refer to your certificate of coverage.
TERRORIST ACT means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
TRAVELING COMPANION means a person who, during the Trip, will accompany you in the same accommodations.
TRIP means: A period of round-trip travel at least 100 miles away from Home to your designated vacation destination associated with the purchase of this insurance, excluding regular commuting and local travel; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when you purchase the coverage; the Trip does not exceed 365 days in length; or A period of one-way travel that starts in the U.S. or Canada (except U.S. citizens may begin their Trip outside the U.S., if returning to the U.S.); the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and arrival dates and defined departure and arrival places specified when you apply; and the Trip does not exceed 31 days in length.
*This definition changes for residents of the following states: Alaska, Indiana, New York, Washington. Please click here to refer to your certificate of coverage.
UNINHABITABLE means the dwelling is not suitable for human occupancy in accordance with local public safety guidelines.
USUAL AND CUSTOMARY CHARGE means those charges: (1) for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature; (2) that do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and (3) does not include charges that would not have been made if no insurance existed. In no event will Usual and Customary Charges exceed the actual amount charged.
*Additional definitions apply to the following states: Alaska, Illinois, Indiana, New York, Washington. Please click here to refer to your certificate of coverage.
1. We will not pay for any loss under this Policy, caused by, or resulting from:
a) your or your Traveling Companion’s suicide, attempted suicide, or intentionally self-inflicted injury;
b) mental, nervous, or psychological disorders of you or your Traveling Companion;
c) you or your Traveling Companion being under the influence of drugs or intoxicants, unless prescribed by a Physician;
d) normal pregnancy or resulting childbirth, elective abortion or fertility treatment of you or your Traveling Companion;
e) your or your Traveling Companion’s participation as a professional in athletics;
f) your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;
g) you or your Traveling Companion riding or driving in any motor competition;
h) you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;
i) you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving, extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air-supported device, other than on a regularly scheduled airline or air charter company;
j) your or your Traveling Companion’s Elective Treatment and Procedures;
k) your or your Traveling Companion’s medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
l) declared or undeclared war, or any act of war;
m) nuclear reaction, radiation or radioactive contamination;
n) any unlawful acts, committed by you or your Traveling Companion;
o) any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;
p) a loss or damage caused by detention, confiscation or destruction by customs or any governmental authority, regulation or prohibition;
q) travel restrictions imposed for a certain area by governmental authority;
r) Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for your Trip, Financial Insolvency which occurred, or for which a petition for bankruptcy was filed by a travel supplier, before your effective date for the Trip Cancellation Benefits, or Financial Insolvency which occurs within 14 days following your effective date for the Trip Cancellation Benefits;
s) a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you;
t) any issue or event that could have been reasonably foreseen or expected when you purchased the coverage.
The following exclusion applies to the Medical and Dental Coverage and Emergency Assistance and Transportation coverages:
We will not pay for loss caused by or resulting from service in the armed forces of any country.
The following exclusion applies to the Medical and Dental, Trip Cancellation, Trip Interruption, and Travel Delay coverages:
We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definitions section, including death that results there from.
The following exclusion applies to the Emergency Assistance and Transportation, Medical and Dental, Trip Cancellation, Trip Interruption, and Rental Car Damage coverages:
a) civil disorder
The following exclusion applies to the Emergency Assistance and Transportation, Medical and Dental, Trip Cancellation, Trip Interruption, Missed Connection, Travel Delay, and Rental Car Damage coverages:
a) failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements other than Financial Insolvency.
*These exclusions change for the following states: Alaska, Connecticut, Idaho, Illinois, Indiana, Mississippi, Nevada, New York, North Carolina, Oklahoma, Washington. Please click here to refer to your certificate of coverage.