Coverage is available (up to the amount listed in the schedule) for baggage and personal effects, passports and visas that are lost, stolen, or damaged during your covered trip.

You must immediately report the loss to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and submit documentation for your loss, including all receipts for the necessary purchases made and documentation for reimbursements received from a responsible party and take all reasonable steps to protect, save or recover your baggage and personal effects.

Our plans also provide a Baggage Delay Benefit, if while on your trip your checked baggage is delayed for 12 hours or more, to reimburse you for the purchase of necessary personal effects while on your trip, up to the amount listed in the schedule.