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How Delayed Baggage Protection Works
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While you are a Member of our service, Delayed Baggage Protection provides reimbursement for expenses incurred as a result
of your checked baggage being delayed by the airline for twelve (12) or more hours from your arrival at your
destination. In the event that your checked baggage is delayed by any Common Carrier for twelve (12) hours or more
from the actual time of arrival at your final destination, expenses incurred will be reimbursed, up to $250 per member
per year, in excess of any reimbursable expenses incurred by the Common Carrier for the reasonable costs of additional
clothing and essential personal articles you purchase. Only one Baggage Delay incident will be covered per trip.
Any payment of this benefit shall be offset against any claim ultimately payable under the Lost and Damaged Baggage benefit
of this service.
You must be a Member at the time of the incident and at the time your Claim is processed. The delayed baggage must be
checked under your name. Your claim must be filed as soon as possible, but no later than 30 days from the date of
occurrence. Claims for checked baggage will only be processed and paid after the common carrier responsible for the
delay has processed and settled the claim against it. If the common carrier completely denies your claim (i.e., does
not acknowledge a bag has been checked), there will be no reimbursement for delay paid under this plan.
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How to Make a Claim
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You can initiate a claim on this site. You need to submit a
claim within within 30 days of incident that triggers the claim. You will need to submit a completed claim form along
with a copy of the credit/debit card statement(s) that includes the liability charge. You must include the name of
the credit/debit card, the state in which it operates and a phone number for the institution(s) if these are not
visible on the copy of the statement(s).
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Program Exclusions
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Delayed Baggage Protection applies only to bags checked on a Common Carrier. In addition to the qualifications
stated above, the following exclusions are not covered:
- Delays caused by war, civil war or radioactive contamination
- Delays contributed to or caused by voluntary consent
- Delays contributed to or caused by confiscation or requisition by Customs or other government authority
- Delays caused by acts of terrorism
- This benefit does not apply if your baggage is delayed after you have reached your return destination
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How Lost and Damaged Baggage Protection Works
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While you are a Member of our service, Lost and Damaged Baggage Protection provides additional compensation following
the loss of or damage to your baggage by any common carrier airline. This protection covers reimbursement for out-of-pocket
expenses incurred while filing a loss or damage claim against a Common Carrier airline, as well as the difference between
your claimed amount and the airline's settlement. There is a limit of up to $250 per claim and up to $500 per year.
Any payment of this benefit shall be offset against any claim paid under the Delayed Baggage benefit of this service.
The common carrier must approve and pay some amount of the claim submitted. Only one Lost and Damaged Baggage incident
will be covered per trip.
You must be a Member at the time of the incident and at the time your Claim is processed. The lost or damaged baggage
must be checked under your name. Your claim must be filed with the supporting documentation as soon as possible, but
no later than 30 days from the date of Common Carrier settlement. Claims for checked baggage will only be processed and
paid after the common carrier responsible for the loss or damage has processed and settled the claim against it.
If the common carrier completely denies your claim (does not acknowledge a bag has been checked, for instance), there
will be no reimbursement for loss or damages claimed under this plan.
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How to Make a Claim
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You can initiate a claim on this site. You need to submit a
claim within within 30 days of settlement with the Common Carrier Airline. You will need to submit a completed claim
form along with a copy of the credit/debit card statement(s) that includes the liability charge. You must include the
name of the credit/debit card, the state in which it operates and a phone number for the institution(s) if these are
not visible on the copy of the statement(s).
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Program Exclusions
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Lost or Damaged Baggage Protection applies only to bags checked on a Common Carrier. In addition to the
qualifications stated above, the following exclusions are not covered:
- Claims denied by the Common Carrier airline
- Claims not filed within 30 days of the Common Carrier settlement
- Money or its equivalents, stocks, coins, important papers, stamps, fine art, checks, jewelry,
watches, collectibles, electronics, computers, precious metals, precious stones and other compounds,
consumable goods, items that spoil, animals, and body parts. Business contents or effects; credit cards;
securities; certificates and documents; artificial teeth and limbs; plants and animals; household effects
(items used or displayed in a household, not of a personal nature, such as silverware, art objects and bedding);
automobiles; motorcycles; boats or other conveyances, or equipment or parts pertaining to such conveyances;
property used in trade; aircraft; any type of eyeglasses or contact lenses; tickets, except for administrative
fees required to reissue tickets; property shipped as freight, or shipped prior to the departure date;
contraband; and hearing aids.
- Loss or Damage caused by war, civil war or radioactive contamination
- Loss or Damage contributed to or caused by voluntary consent
- Loss or Damage contributed to or caused by confiscation or requisition by Customs or other government authority
- Loss or Damage caused by acts of terrorism
- There are special limits of liability for some specific personal possessions including: jewelry,
sporting equipment, photographic or electronic equipment, computers and audio/visual equipment. These
limits do not increase the Member's total benefits under this coverage. No more than $250 per item up
to the Maximum Limit shown on the Listing of Benefits. Items over $150 should be accompanied by original
receipts. If receipts are not provided, benefits may be reduced.
- Payment will not be made for this benefit for loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear;
(c) deterioration; or (d) rodents, animals or insects.
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In the event of a loss to a pair or set of items, we may at our option: (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 value of the
property before and after the loss.
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