Baggage and Personal Effects — This can protect items used by you during your trip against risks of permanent loss, theft, or damage.
Sub limits — There are sub limits so review the plan wording carefully if you have high-value items.
Example — There is a per article limit of $300.
If your lost, stolen or damaged baggage/personal effects are reimbursed by certain third parties, such as your hotel, common carrier, or travel supplier, then the plan will not reimburse
those same losses again. Benefits payable under this coverage, as with all other coverages in the plans, are in excess of all other insurance or indemnity as well, and benefits will not be paid for loss or damage to property specifically scheduled
under any other insurance. However, your plan can reimburse expenses that are not already reimbursed by others (or scheduled to be reimbursed by others) up to the maximum benefit amount.
Example — Elite plan has a maximum benefit amount of $2,500 for baggage and personal effects.
If you incur a covered loss equal to $2,500 but the common carrier who lost your baggage pays you $500 for your loss, the Elite plan would
only pay $2,000, since you would have already been reimbursed for the $500 worth of damages that the common carrier compensated you for. However, if you incur a covered loss equal to $3,000 and the common carrier who lost your baggage pays you
$500, the Elite plan would still reimburse you for $2,500, as you would still have a loss of $2,500 (the maximum benefit amount) that was not reimbursed by a third party.
Baggage Delay — If your checked bags are delayed or misdirected by a common carrier for a specified time period (more than 12 hours* for RoundTrip Elite) from your time of arrival at a destination other than your return destination,
we can pay for you to buy necessary personal items. (You must show receipts for your purchase and proof from your common carrier of the delay or misdirection.)
*This time limit may vary by state. Read your plan document to check the time
for your state.