$200 per person
Covered after 24 hour delay
Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler’s luggage is delayed for a specified period of time.
We will reimburse you, up to the maximum amount shown in the schedule of benefits, for the purchase of personal effects, if your baggage is delayed or misdirected by the common carrier for more than twenty-four (24) hours while on your covered trip. Incurred expenses must be accompanied by receipts.
This benefit does not apply if baggage is delayed after you have reached your return destination.
Baggage Delay Proof of Loss
You must provide us or our designated representative with the following:
a. An incident report filed with the common carrier confirming the delay;
b. Receipts for the expenses being claimed. If receipts are unavailable, other sufficient documentation such as a credit card statement; and
c. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.
d. You must provide documentation of the delay or misdirection of baggage by the common carrier.
Baggage Delay Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage Delay benefit. No benefits will be paid for:
a. Bicycles (except when checked with a common carrier);
b. Property shipped as freight, or shipped prior to the departure date;
c. Seizure or destruction under quarantine or custom regulation; or
d. Sportsman’s equipment damaged while being used.