Common use of COVERAGE/BENEFITS Clause in Contracts

COVERAGE/BENEFITS. This Baggage and Personal Effects insurance covers the Actual Cash Value of Baggage and Personal Effects up to $750 per Insured Person up to a maximum of $2,000 per Account per Trip for: • Loss or damage of Baggage and/or Personal Effects worn or used by You when accompanying You during the Trip. Coverage is limited to $500 per item. • Theft, burglary, fire or transportation hazards to Baggage and/or Personal Effects worn or used by You during the Trip. Coverage is limited to $500 per item. • Loss or damage to camera equipment during the Trip. Camera equipment is collectively considered one item. Coverage is limited to $500 per item. • Loss or damage to jewelry during the Trip. Jewelry is collectively considered one item. Coverage is limited to $500 per item. • Up to $200 will be reimbursed for the purchase of Essential Items as a result of Your checked Baggage being delayed by the Common Carrier for twelve hours or more, during the Trip en route to Your destination and before returning to Your original point of departure. Proof of delay of checked Baggage from the Common Carrier along with receipts of purchases must accompany Your claim. Purchases must be made within thirty-six hours of Your arrival at Your destination. The costs of items purchased under this benefit will reduce the maximum amount payable under the Baggage and Personal Effects benefit, if it is later determined that Your personal Baggage has been lost, stolen or damaged. Additional Conditions specific to Baggage and Personal Effects Insurance • In the event of loss of an article which is part of a pair or set, the measure of loss shall be at a reasonable and fair proportion of the total value of the pair or set, giving consideration to the importance of such article and with the understanding that such loss shall not be construed to mean total loss of the pair or set. • We shall not be liable beyond the Actual Cash Value of the property at the time any loss occurs. We reserve the right to repair or replace any damaged or lost property with other of like quality and value, and to require submission of property for appraisal of damage.

COVERAGE/BENEFITS. This Baggage and Personal Effects insurance covers the Actual Cash Value of Baggage and Personal Effects up to $750 per Insured Person up to a maximum of $2,000 per Account per Trip for: • Loss or damage of Baggage and/or Personal Effects worn or used by You when accompanying You during the Trip. Coverage is limited to $500 per item. • Theft, burglary, fire or transportation hazards to Baggage and/or Personal Effects worn or used by You during the Trip. Coverage is limited to $500 per item. • Loss or damage to camera equipment during the Trip. Camera equipment is collectively considered one item. Coverage is limited to $500 per item. • Loss or damage to jewelry during the Trip. Jewelry is collectively considered one item. Coverage is limited to $500 per item. • Up to $200 will be reimbursed for the purchase of Essential Items as a result of Your checked Baggage being delayed by the Common Carrier for twelve (12) hours or more, during the Trip en route to Your destination and before returning to Your original point of departure. Proof of delay of checked Baggage from the Common Carrier along with receipts of purchases must accompany Your claim. Purchases must be made within thirty-six (36) hours of Your arrival at Your destination. The costs of items purchased under this benefit will reduce the maximum amount payable under the Baggage and Personal Effects benefit, if it is later determined that Your personal Baggage has been lost, stolen or damaged. Additional Conditions specific to Baggage and Personal Effects Insurance • In the event of loss of an article which is part of a pair or set, the measure of loss shall be at a reasonable reason- able and fair proportion of the total value of the pair or set, giving consideration to the importance of such article and with the understanding that such loss shall not be construed to mean total loss of the pair or set. • We shall not be liable beyond the Actual Cash Value of the property at the time any loss occurs. We reserve the right to repair or replace any damaged or lost property with other of like quality and value, and to require submission of property for appraisal of damage.