Baggage & Personal Items Loss

• Loss or Delay
  • Baggage & Personal Items Loss

  • $2,000 per person
    $500 per item
    $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

  The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You 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 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.

  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; 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 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.

• Definitions
  Accident means a sudden, unexpected, unintended, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
  *This definition changes for residents of the following states: Tennessee. Please click here to refer to your certificate of coverage.

  Accidental Injury means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the Loss and that 1) requires a physical examination and medical treatment by a Physician and 2) commences while Your coverage is in effect. The injury must be verified by a Physician.
  *This definition changes for residents of the following states: Maine, Missouri, Oregon, Washington. Please click here to refer to your certificate of coverage.

  Actual Cash Value means the lesser of the replacement cost or the purchase price less depreciation.
  *This definition changes for residents of the following states: Maine. Please click here to refer to your certificate of coverage.

  Additional Expenses means any reasonable expenses for meals and lodging as well as local transportation and essential phone calls that were necessarily incurred as the result of a Hazard and that were not provided by the Common Carrier or other party free of charge.

  Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 L.S.C. Subsection 101 et seq.

  Bodily Contact Sports means any sport where the objective is to physically render an opponent unable to continue with the competition such as boxing and full contact karate.
  *This definition changes for residents of the following states: Florida, Minnesota, Missouri, New Hampshire, New York, Oregon, Pennsylvania, Virginia, Washington. Please click here to refer to your certificate of coverage.

  Bodily Injury means identifiable physical injury that is caused by an Accident and is independent of disease or bodily infirmity.

  Business Partner means an individual who: (a) is involved in al legal partnership; and/or (b) is actively involved in the day-to-day management of the business.
  *This definition changes for residents of the following states: Colorado, Indiana. Please click here to refer to your certificate of coverage.

  Common Carrier means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire. Taxis and limousines are not Common Carriers as defined herein.

  Company means Nationwide Mutual Insurance Company.

  Confirmation of Coverage means the document that outlines Your benefits and Maximum Benefit amounts.

  Covered Expenses means expenses incurred by You that are for Medically Necessary care or treatment; due to Sickness or Bodily Injury; prescribed, performed or ordered by a Physician; Reasonable and Customary Charges incurred while insured under this Certificate; and that do not exceed the Maximum Benefit limits shown in the Confirmation of Coverage, under each stated benefit.

  Cruise means any prepaid sea arrangements made by You.

  Default means a material failure or inability to provide contracted services due to Financial Insolvency.

  Economy Fare means the lowest published rate for a round trip economy ticket.

  Effective Date means 12:01 A.M. local time, at Your location, on the day after the required premium for such coverage is received by the Company or its authorized representative.

  Exotic Vehicles includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/ Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR and Yugo.

  Extreme Sports means an athletic pursuit that involves a high degree of danger or risk.
  *This definition changes for residents of the following states: Florida, Minnesota, Missouri, New Hampshire, New York, Oregon, Pennsylvania, Virginia, Washington. Please click here to refer to your certificate of coverage.

  Family Member means Your or a Traveling Companion’s legal or common law spouse, ex- spouse, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-in-law, brother, sister, step-brother, step-sister, brother- in-law, sister-in-law, aunt, uncle, niece, nephew or Business Partner who reside in the United States, Canada or Mexico.
  *This definition changes for residents of the following states: New York, Oklahoma. Please click here to refer to your certificate of coverage.

  Financial Insolvency means the total cessation of operations due to insolvency, with or without the filing of a Bankruptcy petition by a tour operator, Cruise line, or airline provided the Financial Insolvency occurs more than ten (10) days following the Effective Date. There is no coverage for the Financial Insolvency of any person, organization, agency or firm from whom You purchased travel arrangements supplied by others.

  Hazard means:
  a) Any delay of a Common Carrier (including Inclement Weather).
  b) Any delay by a traffic accident en route to a departure, in which You or a Traveling Companion is not directly involved.
  c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.
  d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.)
  *This definition changes for residents of the following states: Colorado, Indiana, Kansas, Louisiana, Massachusetts, Oklahoma, Tennessee, Texas, Washington. Please click here to refer to your certificate of coverage.

  Hospital means a facility that:
  a) holds a valid license if it is required by the law;
  b) operates primarily for the care and treatment of sick or injured persons as in-patients;
  c) has a staff of one or more Physicians available at all times;
  d) provides twenty-four (24) hour nursing service and has at least one registered professional nurse on duty or call;
  e) has organized diagnostic and surgical facilities, either on the premises or in facilities available to the hospital on a pre- arranged basis; and
  f) is not, except incidentally, a clinic, nursing home, rest home, drug or physical rehabilitation facility or convalescent home for the aged, or similar institution.
  *This definition changes for residents of the following states: Idaho, Missouri, North Carolina, New York, Texas. Please click here to refer to your certificate of coverage.

  Host at Destination means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.

  Inclement Weather means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier.

  Insured means the person who enrolled for coverage and whose premium was paid under the Policy.

  Land/Sea Arrangements means pre-paid land and/or sea arrangements made by the Travel Supplier

  Loss means Bodily Injury, Sickness or damage sustained by You, while coverage is in effect, in consequence of happening of one or more of the occurrences against which the Company has undertaken to indemnify You.

  Maximum Benefit means the largest total amount that the Company will pay under any one benefit for You, as shown on the Confirmation of Coverage.

  Medically Necessary means a service or supply that: a) is recommended by the attending Physician; b) is appropriate and consistent with the diagnosis in accord with accepted standards of community practice; c) could not have been omitted without adversely affecting Your condition or quality of medical care; d) is delivered at the most appropriate level of care and not primarily for the sake of convenience; and e) is not considered experimental unless coverage for experimental services or supplies is required by law.
  *This definition changes for residents of the following states: DC. Please click here to refer to your certificate of coverage.

  Mountaineering means the sport, hobby or profession of walking, hiking and climbing up mountains either: 1) utilizing harnesses, ropes, crampons, or ice axes; or 2) ascending 4,500 meters or above.
  *This definition changes for residents of the following states: Florida, Minnesota, Missouri, New Hampshire, New York, Oregon, Pennsylvania, Virginia, Washington. Please click here to refer to your certificate of coverage.

  Other Insurance means any one of the following types of policies or plans that provides benefits for medical expenses for You at the time of Loss on Your Effective Date of coverage, and such policy or plan requires You to pay any applicable Deductible and/or portion of coinsurance: individual, group or blanket insurance plans; HMO’s, PPO’s, POS’s, EPO’s, employer organization plans, employee benefit organizational plans, or other arrangements of benefits for persons of a group. Insurance does not include Medicare or Medicaid.
  *This definition changes for residents of the following states: Minnesota, Missouri, New Hampshire, New York, Oregon, Pennsylvania, Virginia, Washington. Please click here to refer to your certificate of coverage.

  Parachuting means an activity involving the breaking of a free fall from an airplane using a parachute.
  *This definition changes for residents of the following states: Florida, Minnesota, Missouri, New Hampshire, New York, Oregon, Pennsylvania, Virginia, Washington. Please click here to refer to your certificate of coverage.

  Physician means a licensed practitioner of medical, surgical or dental services, acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion or a Family Member.

  Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date.

  The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within fourteen (14) days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.
  *This definition changes for residents of the following states: Missouri, Nevada, Oklahoma, South Carolina, Texas. Please click here to refer to your certificate of coverage.

  Scheduled Departure Date means the date on which You are originally scheduled to leave on the Trip.

  Scheduled Return Date means the date on which You are originally scheduled to return to the point of origin or to a different final destination.

  Sickness means an illness or disease of the body that: 1) requires a physical examination and medical treatment by a Physician and 2) commences while Your coverage is in effect. An illness or disease of the body that begins prior to the Effective Date of coverage is not a Sickness as defined herein and is not covered by this Certificate unless it suddenly worsens or becomes acute after the Effective Date.

  Strike means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier.

  Terrorist Incident means an incident deemed a terrorist act by the United States Government that causes property damage or loss of life.

  Travel Arrangements means: a) transportation; b) accommodations; and c) other specified services arranged by the Travel Supplier for the Trip. Air arrangements covered by this definition also include any direct round trip air flights booked by others, to and from the scheduled Trip departure and return cities, provided the dates of travel for the air flights are within seven (7) total days of the scheduled Trip dates.
  *This definition changes for residents of the following states: Florida, Minnesota, Missouri, New York, Oregon, Pennsylvania, South Dakota, Virginia, Washington. Please click here to refer to your certificate of coverage.

  Travel Supplier means tour operator, Participating Organization, Cruise line, airline, hotel, travel agency, etc. who has made the land, air and/or sea arrangements.

  Traveling Companion means a person who has coordinated Travel Arrangements or vacation plans with You, intends to travel with You during the Trip and is further described on the Confirmation of Coverage. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

  Trip means a trip or class of trips as described on the Confirmation of Coverage. You or Your refers to the Insured.
  *This definition changes for residents of the following states: Florida, Minnesota, New Hampshire, New York, Oregon, Washington. Please click here to refer to your certificate of coverage.

  You or Your refers to the Insured.

  *Additional definitions apply to the following states: Colorado, Florida, Illinois, Indiana, Kansas, Louisiana, Minnesota, New Hampshire, New York, Oregon, South Dakota, Tennessee, Texas, Washington. Please click here to refer to your certificate of coverage.

• Exclusions
  The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

  Loss caused by or resulting from:

  - Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

  - suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (unless results in the death of a non-traveling Family Member);

  - intentionally self-inflicted injuries;

  - war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;

  - participation in any military maneuver or training exercise or any Loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces;

  piloting or learning to pilot or acting as a member of the crew of any aircraft;

  - mental or emotional disorders, unless Hospitalized;

  - participation as a professional in athletics;

  - participation in underwater activities (does not include recreational swimming);

  - being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician, unless results in the death of a non-traveling Family Member;

  - commission or the attempt to commit a dishonest, fraudulent or criminal act;

  - participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

  dental treatment except as a result of an injury to Sound Natural Teeth within twelve (12) months of the injury;

  - any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;

  - pregnancy and childbirth (except for complications of pregnancy);except if Hospitalized; curtailment or delayed return for other than covered reasons;

  - traveling for the purpose of securing medical treatment;

  - services not shown as covered;

  - directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

  - confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions;

  - care or treatment that is not Medically Necessary;

  - care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation;

  - care or treatment that is payable under any Other Insurance policy;

  - Accidental Injury or Sickness when traveling against the advice of a Physician;

  - cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

  The following exclusions apply to Baggage/Personal Effects and Baggage Delay:

  The Company will not provide benefits for any Loss or damage to:

  - animals;

  - automobiles and automobile equipment;

  boats or other vehicles or conveyances;

  - trailers;

  - motors;

  - motorcycles;

  - aircraft;

  - bicycles (except when checked as baggage with a Common Carrier);

  - household effects and furnishing;

  - antiques and collector’s items;

  - eyeglasses, sunglasses or contact lenses;

  - artificial teeth and dental bridges;

  - hearing aids;

  - artificial limbs and other prosthetic devices;

  - prescribed medications;

  - keys, cash, stamps, securities and documents;

  - tickets;

  - credit cards;

  - professional or occupational equipment or property, whether or not electronic business equipment;

  - personal computers, cell phones, computer hardware or software;

  - sporting equipment if loss or damage results from the use thereof.

  - musical instruments;

  - retainers and orthodontic devices.

  Any Loss caused by or resulting from the following is excluded:

  - breakage of brittle or fragile articles; wear and tear or

  - gradual deterioration;

  - insects or vermin;

  - inherent vice or damage while the article is actually being worked upon or processed;

  - confiscation or expropriation by order of any government;

  - war or any act of war whether declared or not;

  - theft or pilferage while left

  - unattended in any vehicle;

  - mysterious disappearance;

  - property illegally acquired, kept, stored or transported;

  - insurrection or rebellion;

  - imprudent action or omission;

  - property shipped as freight or shipped prior to the Scheduled Departure Date.

  The following exclusions apply to Property Damage:

  Any Loss caused by You or a Family Member or Traveling Companion(s) and resulting from the following is excluded:

  - Acts of God;

  - intentional acts;

  - gross negligence or willful and wanton conduct; any cause, normal wear and tear;

  - loss of use of the Timeshare unit;

  - damage to any property owned by or brought onto the premises by You or a Family Member or Traveling Companion(s);

  - property damage resulting from any motorized conveyance, vehicle, aircraft, or watercraft operated by You or a Family Member or Traveling Companion(s).

  The following exclusions apply to Collision Damage Waiver:

  - Any obligation You assume under any agreement (except insurance collision Deductible); Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

  - Any Loss that occurs if You are in violation of the rental agreement;

  - Failure to report the Loss to the proper local authorities and the rental car company;

  - Damage to any other vehicle, structure or person as a result of a covered Loss.

  *These exclusions change for the following states: Alaska, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Louisiana, Massachusetts, Minnesota, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin. Please click here to refer to your certificate of coverage.