$500 policy limit
Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.
BAGGAGE AND PERSONAL EFFECTS
We will pay you the lesser of:
a. The actual cash value as determined by us; or
b. The cost of replacement, up to the maximum limit shown in the schedule of benefits, for loss, theft or damage to your baggage, personal effects and sportsman’s equipment during your covered trip.
We will also pay for fees incurred to ship your baggage, personal effects and sportsman’s equipment to your location if the lost items are recovered. Benefits are payable only after satisfaction of the deductible shown in the schedule of benefits.
Items over one hundred fifty dollars ($150) must be accompanied by original receipts. If receipts are not provided, the maximum amount payable will be one hundred fifty dollars ($150).
In the event of a loss to a pair or set of items, we will pay the lesser of:
a. The cost to repair or purchase the individual item(s) needed to complete the set or pair; or
b. The original purchase price of the set or pair.
In the event of a loss of your prescription medication, we will reimburse you only for the cost to replace the amount of prescriptions drugs that were lost, stolen, or damaged. The prescribing physician must authorize the replacement and it must be legally permissible to replace the prescription at your location.
Baggage and Personal Effects Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage and Personal Effects benefit. No benefits will be paid for:
a. Loss of, or damage to, motor vehicles;
b. Loss of, or damage to, artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
c. Loss of, or damage to, keys, notes, securities, accounts, deeds, food stamps, bills, or other evidences of debt, money, stamps, stocks and bonds, postal or money orders, and tickets;
d. Loss of, or damage to, property shipped as freight, or shipped prior to the departure date;
e. Loss of, or damage to, contraband;
f. Loss of, or damage to, items seized by any government official or customs official;
g. Damage caused by any process of repair;
h. Loss resulting from defective materials or craftsmanship;
i. Damage caused by radioactive contamination;
j. Loss resulting from mysterious disappearance;
k. Loss resulting from normal wear and tear or deterioration; or
n. Any loss that occurs on a covered trip with a destination less than one hundred (100) miles from your primary residence, or on a covered trip that is not overnight in length.
Baggage Proof of Loss
You must provide us or our designated representative with the following:
a. An accident, police, or incident report providing details of the incident;
b. Receipts for all items being claimed;
c. A copy of a repair invoice or estimate, if the claim is for damaged baggage;
d. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party; and
e. A copy of homeowner’s or renter’s insurance declarations page, along with a copy of the Explanation of Benefits from such insurance.