We will reimburse you, less any amount paid or payable from any Other Valid and
Collectible Insurance or indemnity, up to the amount shown in the Schedule, for
direct loss, theft, damage or destruction of your Baggage, passports or visas
during your Covered Trip. We will also pay for loss due to unauthorized use of
your credit cards, if you have complied with all of the credit card conditions
imposed by the credit card companies.
Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benefit will be
calculated based upon an Actual Cash Value basis. For items without receipts,
payment of loss will be calculated based upon 75% of the Actual Cash Value at
the time of loss. At our option, we may elect to repair or replace your
Baggage. We will notify you within 30 days after we receive your proof of loss.
We may take all or part of damaged Baggage as a condition for payment of loss.
In the event of a loss to a pair or set of items, we will: 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.
Continuation of Coverage
If the covered Baggage, passports or visas are in the custody of a Common
Carrier, and delivery is delayed, this coverage will continue until the
property is delivered to you. This continuation of coverage does not include
loss caused by or resulting from the delay.
Items Not Covered
We will not pay for damage to or loss of: animals; property used in trade,
business or for the production of income; household furniture; musical
instruments; brittle or fragile articles; sporting equipment if the loss
results from the use thereof; boats; motors; motorcycles; motor vehicles;
aircraft; other conveyances or equipment, or parts for such conveyances;
artificial limbs or other prosthetic devices; artificial teeth; dental bridges;
dentures; dental braces; retainers or other orthodontic devices; hearing aids;
any type of eyeglasses, sunglasses or contact lenses; documents or tickets,
except for administrative fees required to reissue tickets; money; stamps;
stocks and bonds; postal or money orders; securities; accounts; bills; deeds;
food stamps; credit cards, except as noted above; property shipped as freight
or shipped prior to the Scheduled Departure Date; or contraband.
Losses Not Covered
We will not pay for loss arising from: defective materials or craftsmanship; or
normal wear and tear, gradual deterioration, inherent vice; or rodents,
animals, insects or vermin; or mysterious disappearance; or electrical current,
including electric arcing that damages or destroys electrical devices or
Your Duties in the Event of a Loss
In case of loss, theft or damage to Baggage and personal effects, you should:
1) Immediately report the situation incident 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 2) Take
reasonable steps to protect your Baggage from further damage, and make
necessary, reasonable and temporary repairs. We will reimburse you for these
expenses. We will not pay for further damage if you fail to protect your