As a handy reference guide, please read this and keep it
in a safe place with your other insurance documents. This
information is a brief description of the important features of
this insurance plan. It is not an insurance contract. Insurance
benets are underwritten by Federal Insurance Company.
Coverage may not be available in all states or certain terms may
be dierent where required by state law. Chubb NA is the U.S.-
based operating division of the Chubb Group of Companies,
headed by Chubb Ltd. (NYSE:CB) Insurance products and
services are provided by Chubb Insurance underwriting
companies and not by the parent company itself.
Lost Luggage Reimbursement
Have You ever been waiting for Your Checked Luggage to come
around the belt only to nd that it has been lost by Your airline?
Fortunately, Lost Luggage Reimbursement is here to help.
With Lost Luggage Reimbursement, You can be reimbursed
for the dierence between the “value of the amount claimed”
and the Common Carrier’s payment up to three thousand
dollars ($3,000.00) per Covered Trip (for New York
residents, coverage is limited to two thousand dollars
($2,000.00) per bag), provided the Checked Luggage and/
or Carry-on Baggage and/or its contents was lost due to
theft or misdirection by the Common Carrier. “Value of the
amount claimed” is the lesser of the following three amounts:
the original purchase price of the item(s), the actual cash
value of the item(s) at the time of theft or misdirection (with
appropriate deduction for depreciation), and the cost to
replace the item(s).
You and Your Immediate Family Members are all eligible for
this benet when You take a Covered Trip and pay for the cost
of Your Common Carrier tickets with Your eligible card issued
in the United States and/or rewards program associated with
Your covered Account. To be eligible for coverage, You must
purchase a portion or the entire cost of the Covered Trip with
Your covered Account and/or rewards program associated
with Your covered Account. Only Your Checked Luggage and/
or Carry-On Baggage and/or its contents is covered.
This benet is supplemental to and excess of any collectible
insurance and/or collectible reimbursement from any other
source. The Benet Administrator will refund the excess
amount once all other reimbursement has been exhausted
up to the limit of liability.
Please Note: You must take all reasonable means to protect,
save and/or recover Your Checked Luggage and/or Carry-on
Baggage and/or its contents at all times.
What is not covered?
Luggage Reimbursement does not apply to loss or theft of the
following items:
• Automobiles, automobile accessories and/or equipment,
motorcycles, motors, bicycles (except when checked
with the Common Carrier), boats, or other vehicles or
conveyances
• Contact lenses, eyeglasses, sunglasses, hearing aids, articial
teeth, dental bridges, and prosthetic limbs
• Money, securities, credit or debit cards, checks, and
travelers’ checks
• Tickets, documents (travel or otherwise), keys, coins, deeds,
bullion, stamps, perishables, consumables, perfume,
cosmetics, rugs and carpets, animals, cameras, sporting
equipment, and household furniture
• Property shipped as freight or shipped prior to the Covered
Trip departure date
• Items specically identied or described in and insured
under any other insurance policy
• Losses arising from conscation or expropriation by any
government or public authority or detention by customs or
other ocials
• Losses resulting from abuse, fraud, hostilities of any kind
(including, but not limited to, war, invasion, rebellion, or
insurrection)
• Business items (items that are used in the purchase, sale,
production, promotion, or distribution of goods or services
including but not limited to, manuals, computers and their
accessories, software, data, facsimile, samples, collateral
materials, etc.), cellular telephones, or art objects
How to le a Lost Luggage Reimbursement claim
Immediately notify the Common Carrier to begin their claims
process if Your luggage and/or its contents are lost or stolen.
Within twenty (20) days of the date Your luggage is lost or stolen,
and You have notied the Common Carrier and begun their
claims process, call the Benet Administrator at 1-800-825-4062
, or call collect outside the U.S. at 1-804-965-8071. The Benet
Administrator will ask You for some preliminary claim information
and send You a special claim form. If You do not notify the
Benet Administrator within twenty (20) days of the date
the luggage was lost or stolen, Your claim may be denied.
Within ninety (90) days of the date Your luggage was lost or
stolen, return Your claim form and the requested documentation
below to the address provided by the Benet Administrator:
• A copy of Your monthly billing statement or the travel
itinerary (showing the last four [4] digits of the Account
number) conrming a portion of the Common Carrier ticket
was charged to the covered Account
• If more than one method of payment was used, please
provide documentation as to additional currency, voucher,
points or any other payment method utilized
• A copy of ticketing by the Common Carrier, including but
not limited to itinerary, boarding pass, or used ticket stub
• A copy of any check, settlement, denial or explanation of
coverage issued by the Common Carrier together with a
copy of the Common Carrier’s completed claim form, a list
of the items lost and their value, and a copy of the luggage
claim check (if applicable)
• A copy of Your insurance policy’s Declarations Page (if
applicable) to conrm Your deductible (Declarations Page
means the document(s) in Your insurance policy that lists
names, coverages, limits, eective dates and deductibles)
• A copy of any settlement of the loss or theft from Your
primary insurance
• Any other documentation deemed necessary by the Benet
Administrator to substantiate the loss or theft
For faster ling, or to learn more about
Lost Luggage Reimbursement visit
www.eclaimsline.com
I
f You have personal insurance (
i.e., homeowner’s, renter’s,
or other insurance applicable to the lost or stolen luggage or
contents), You are required to le a claim with Your insurance
company and submit a copy of any claim settlement along
with Your completed claim form.
If the claim amount is within Your personal insurance
deductible, the Benet Administrator may, at its discretion,
10