Baggage & Personal Items Loss

• 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 AND PERSONAL EFFECTS

  We will pay you the lesser of:

  a) The actual cash value as determined by us; or

  b) Replacement cost

  We will also pay for fees incurred to ship your baggage and personal effects to your location if the lost items are recovered. Benefits are payable only after satisfaction of the deductible shown in the schedule of benefits.

  Special Limitations:

  We will reimburse you up to:

  a. One hundred dollars ($100) per item;

  b. One hundred dollars ($100) for each subsequent item; and

  c. Three hundred dollars ($300) aggregate on all losses to:
  1. Jewelry, watches, and furs;
  2. Musical equipment;
  3. Electronic devices, including but not limited to: personal computers, cameras and camera equipment, camcorders, cell phones, smartphones, portable music players, tablet devices, and other wireless handheld devices.

  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 maximum limit shown in the schedule of benefits also includes:

  a) Losses due to unauthorized use of your credit cards if they are lost or stolen during the covered trip. However, this benefit will not apply if you have failed to comply with all requirements imposed by the issuing credit card companies; and

  b) The cost to replace your passport or visa if it is lost, stolen or damaged during the covered trip. The loss, theft or damage must be documented by a police report.

  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.

  e) A copy of homeowner’s or renter’s insurance declarations page, along with a copy of the Explanation] of Benefits from such insurance.