$1,000 per trip
$250 per item
$500 specific items limit
Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.
BAGGAGE/PERSONAL EFFECTS
The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You and/or the Traveling Companion sustains Loss, theft or damage to baggage and personal effects during the Trip, including, but not limited to sporting equipment, provided You, and/or the Traveling Companion have 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 and/or the Traveling Companion during the Trip. The police or other authority must be notified within twenty-four (24) hours in the event of theft.
This coverage is subject to any coverage provided by a Common Carrier and all other valid and collectible insurance indemnity and shall apply only when such other benefits are exhausted.
There will be a per article limit shown on the Confirmation of Coverage.
There will be a combined Maximum Benefit limit shown on the Confirmation of Coverage 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; personal computers, cameras and their accessories and related equipment.
The Company will pay the lesser of the following:
a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects; or
b) the cost of repair or replacement in like kind and quality.
EXTENSION OF COVERAGE
If You and/or the Traveling Companion have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers the property.