Benefit 12: Passports, Credit Cards & Credit Card Fraud

This benefit reimburses You for expenses You incur to replace Your travel documents on Your Overseas Trip due to the circumstances as explained below.

We will pay

• Up to the limits set out in the Benefit Summary above, to reimburse You the replacement costs (including communication costs) of Your travel documents, including passports, credit / debit cards, or travellers cheques You lose, are damaged, or which are stolen from You or destroyed during Your Overseas Trip.
• Up to the limits set out in the Benefit Summary above, for any loss resulting from the fraudulent use of any credit / debit card held by You following the loss of the card during Your Overseas Trip. We will only cover those amounts not covered by any guarantee given by the bank or issuing company to You as the cardholder covering such losses.

We will not pay

• If You do not report the theft as soon as practicable, but preferably within 24 hours to the police and, in the case of credit / debit cards and travellers cheques, to the issuing bank or company in accordance with the conditions under which the cards or cheques were issued. If You cannot prove that You made a report to the above relevant persons by providing Us with a written statement from them.
• If Your passports, credit / debit cards or travellers cheques are not carried on Your person when travelling on Carriers.
• If Your passports, credit / debit cards or travellers cheques are Lost or stolen from Your accommodation where a safe or locker has been provided and You fail to use it.
• For more than the applicable limits set out in the Benefit Summary above.

Please also read General Exclusions that apply to all benefits.