iTravelInsured Travel LX

BAGGAGE AND PERSONAL EFFECTS
We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Baggage and Personal Effects, which are lost, stolen, damaged or destroyed during Your Trip or while checked with a Common Carrier less any amount paid or payable by a Common Carrier, hotel, Travel Supplier or any other party responsible for Your loss, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for fees associated with the replacement of Your passport, visas and other travel documents which are lost, stolen, damaged or destroyed during Your Trip.

Valuation and Payment of Loss:
The lesser of the following amounts will be paid:

(a) the Actual Cash Value as determined by Us; or
(b) the cost to repair or replace the item with material of a like kind and quality.

Not to exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

For claimed items without original receipts, payment of loss will be calculated based upon fifty percent (50%) of the Actual Cash Value at the time of loss, not to exceed the Maximum Benefit Amount shown in the Schedule of Benefits. We may take all or part of the damaged items at the appraised or agreed value by Us.

In the event of a loss to a pair or set of items, We may choose to:

(a) repair or replace any part to restore the pair or set to its value before the loss; or
(b) pay the difference between the Actual Cash Value of the items before and after the loss.

If Your payment from a Common Carrier, hotel, Travel Supplier or any other party responsible for Your loss is delayed beyond sixty (60) days from the date of Your loss, We will pay this benefit subject to You signing a release to reimburse Us for any amount paid by the responsible party not to exceed the amount We have reimbursed You.

These benefits will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

EXCLUSIONS AND LIMITATIONS apply to Baggage and Personal Effects and Sports Equipment Rental:
We will not provide benefits for any loss or damage for the following items:

(a) animals;
(b) automobiles and automobile equipment;
(c) boats or other vehicles or conveyances;
(d) motorcycles;
(e) trailers;
(f) motors;
(g) aircraft;
(h) bicycles, except when checked as baggage with a Common Carrier;
(i) household effects and furnishings;
(j) antiques and collectors’ items;
(k) eyeglasses, sunglasses, contact lenses, artificial teeth, dentures, dental braces, dental bridges, retainers or hearing aids;
(l) artificial limbs or other prosthetic devices;
(m) prescribed medications;
(n) keys, money, stamps and credit cards (except as otherwise specifically covered herein);
(o) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
(p) sports equipment if the loss results from the use thereof;
(q) contraband.

Losses not covered:
We will not provide benefits for any loss or damage caused by or resulting from:

(a) breakage of brittle or fragile articles;
(b) wear and tear or gradual deterioration;
(c) confiscation or appropriation by order of any government or custom’s rule;
(d) theft or pilferage while left in any unlocked or unattended vehicle;
(e) property illegally acquired, kept, stored or transported;
(f) Your negligent acts or omissions;
(g) electrical current, including electric arcing that damages or destroys electrical devices or appliances;
(h) Vermin.