$1,000 per trip
$250 per item
$500 specific items limit
Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.
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.