Benefit 15: Delay of Luggage and Personal Effects

This benefit reimburses You for the necessary expenses You incur if Your Luggage and personal effects are delayed, misdirected or misplaced in the circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

You must obtain written confirmation of delay, misdirection, or misplacement from the Carrier who was responsible for Your Luggage and personal effects, the length of the delay, and details of any compensation provided to You. We will deduct any amount We pay You under this benefit for any subsequent claim for permanently Lost Luggage and personal effects.
This benefit does not provide cover for claims that Arise from COVID-19. The cover We provide specific to COVID-19 is found under Benefit 27 and Benefit 28.

Up to the limits set out in the Benefit Summary above, if any items of Your Luggage and personal effects are delayed, misdirected or misplaced by the Carrier for more than 12 hours whilst You are on Your Overseas Trip, and in Our opinion, it was reasonable for You to purchase essential items of clothing or other personal items (e.g. toothbrush and pyjamas, etc).

If You are entitled to compensation from the bus line, airline, shipping line or rail authority You were travelling on for the relevant amount claimed. However, if You are not reimbursed the full amount, and Your loss is coverable under Your Policy, We will pay the difference between the amount of Your expenses and what You were reimbursed up to the limit of Your cover.
If Your Luggage and personal effects are delayed on the final return leg of Your Trip Home.
Once You return to Your Home or after the Period of insurance.
For any claims related to COVID-19.
For more than the applicable limits set out in the Benefit Summary above.

Please also read General Exclusions that apply to all benefits.