Baggage & Personal Items Loss

• Loss or Delay
  • Baggage & Personal Items Loss

  • $500 per person
    $100 first item limit
    $100 subsequent items limit
    $500 specific items limit

• What is Baggage & Personal Items Loss?
  Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.

• What am I covered for?
  BAGGAGE & PERSONAL EFFECTS

  If Your Baggage, personal effects, passports, travel documents and visas are lost, damaged, or stolen during Your Trip, the Company will pay the lesser of: a) the cash value (original cash value less depreciation) as determined by the Company or, b) the cost of replacement, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below.

  Special Limitations:

  Notwithstanding the foregoing, the Company will cover up to the maximum amount indicated for the following:

  • $100 for the first item
  • $100 per each additional item
  • $500 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players. Items over $150 must be accompanied by original receipts. If receipts are not provided, no benefits are payable.

  The Company may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, the Company may choose to:

  a) repair or replace any part to restore the pair or set to its value before the Loss; or

  b) pay the difference between the cash value of the Baggage before and after the Loss.