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Baggage Limit policy wording for Travel Guard Cruise Tour and Travel

LOSS OF BAGGAGE & PERSONAL EFFECTS

The Insurer will reimburse this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for loss, theft, or damage to the Insured's Baggage, passports, and visas during the Insured's Trip. The Insurer will also pay for loss due to unauthorized use of the Insured's credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.
Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.
Property Not Covered: The Insurer will not pay for damage or loss of:
  1. animals;
  2. motor vehicles and other conveyances;
  3. artificial limbs; false teeth; any type of eyeglasses, sunglasses, or contact lenses; hearing aids;
  4. tickets, except for administrative fees required to reissue tickets;
  5. money, stamps, stocks and bonds, postal or money orders;
  6. property shipped as freight, or shipped prior to the Trip Departure Date;
  7. credit cards, except as noted above;
  8. contraband
Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the limit of coverage as defined on the Schedule of Benefits.

The Insurer will not pay more than $500 aggregate on all losses to:
  • jewelry,
  • watches,
  • furs,
  • cameras and camera equipment,
  • camcorders,
  • sporting equipment,
  • computers, and
  • other electronic devices.
Items over $150 should be accompanied by original receipts. If receipts are not provided, benefits may be reduced.

Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this benefit for loss due to:
  1. defective materials or craftsmanship;
  2. normal wear and tear;
  3. deterioration;
  4. rodents, animals, or insects.
Payment of Loss: The Insurer will pay the lesser of: the cost to repair an item or replace with an item of like kind and quality. The Insurer will notify the Insured within 30 days after the Insurer receives his/her proof of loss. The Insurer 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 Insurer may at our option:
  1. repair or replace any part to restore the pair or set to its value before the loss; or
  2. pay the difference between the value of the property before and after the loss.

 
Please note: All coverages are subject to plan exclusions and other limitations. Please read them carefully as they will limit or remove coverage.

Insurance companies frequently make changes to their policies and premiums. Changes are posted on our site when they occur and can result in changes to this information. We advise you to purchase your insurance as soon as possible. If you have any questions please call us at 800-821-4940 Monday through Friday between 9am to 5:30pm ET.