Voyager Choice

Lost Baggage and Personal Effects
Coverage is secondary to any coverage provided by a Common Carrier.

If Baggage or Personal Effects are lost, damaged or stolen, the Company will pay the loss, up to the maximum amount indicated on the Benefit Overview Matrix, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

You must notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of Your property within 24 hours after the loss. Finally, You must file written proof of loss with the Company within 90 days from the date of loss, except as otherwise prohibited by law, attaching copies of airline, cruise line or Common Carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.

The baggage and personal effects must be owned by and accompany You at all times.

Property or losses not covered:

• Animals;
• Property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
• Boats, motors, motorcycles, motor vehicles, aircraft and other conveyances or equipment, or parts for such conveyances;
• Bicycles, skis, snowboards (except when checked with a Common Carrier);
• Eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs;
• Keys, money, securities, bullion, stamps, credit cards, and deeds;
• Documents or tickets, except for the administrative fees required to reissue tickets or documents;
• Property shipped as freight or shipped prior to Your Trip departure date;
• Rugs or carpets of any type;
• Perishables, medicines, perfumes, cosmetics and consumables;
• Property that is left in or on a car trailer;
• Property that is left in a vehicle if the vehicle is not properly secured;
• Damage due to electrical current, including electric arcing that damages or destroys electrical devices or appliances;
• Damage to the property resulting from defective materials or workmanship, ordinary wear and tear, and normal deterioration.

The plan will pay the lesser of:

• The maximum coverage available under the plan; or
• The actual purchase price of a similar item; or
• The cost to repair or replace the item.

No coverage will be provided for loss(es) due to any General Exclusion.

Please refer to the Benefit Overview Matrix for the maximum coverage amount available under this Certificate of Coverage.

For the purposes of this coverage, the following definitions apply:

Baggage means luggage and personal possessions, whether owned, borrowed or rented, taken by You on the Trip.

Personal Effects are items carried on your person while traveling and include items in a brief case, purse, pocketbook or backpack. Personal effects reimbursement includes, but is not limited to: items of clothing worn on your person, jewelry, passport, computer equipment, cameras and mobile devices.

Common Carrier means an entity licensed to carry passengers for hire on land, water or air, excluding vehicle rental companies.