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 and for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip, subject to verification that You have complied with all conditions of the credit card company. Valuation and Payment of Loss: the lesser of the following amount(s) 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 75% 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 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.

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 and for charges and interest incurred due to unauthorized use or replacement of Your lost or stolen credit cards if such use or loss occurs during Your Trip, subject to verification that You have complied with all conditions of the credit card company. Valuation and Payment of Loss: the lesser of the following amount(s) 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 75% 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 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.