We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least 12 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination. This coverage terminates upon Your arrival at the Return Destination of Your Trip. Necessary Personal Items means replacement for clothing, toiletry, or prescriptions which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the cost of Necessary Personal Items purchased by You while on Your Trip, if Your checked Baggage is delayed or misdirected by a Common Carrier for at least 12 consecutive hours or more from Your time of arrival at a Scheduled Destination other than Your Return Destination. This coverage terminates upon Your arrival at the Return Destination of Your Trip. Necessary Personal Items means replacement for clothing, toiletry, or prescriptions which are included in Your Baggage and Personal Effects and are required for Your Trip. Necessary Personal Items do not include jewelry, perfume or alcohol. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.