Fortunately, Lost Luggage Reimbursement is here to help. With Lost Luggage Reimbursement, You can be reimbursed
for the difference between the “value of the amount claimed” and the Common Carrier’s payment up to $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 benefit 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 benefit is supplemental to and excess of any collectible insurance and/or collectible reimbursement from any other
source. The Benefit 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, artificial 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 specifically identified or described in and insured under any other insurance policy
• Losses arising from confiscation or expropriation by any government or public authority or detention by customs or
other officials
• 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 file 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 notified the Common Carrier and
begun their claims process, call the Benefit Administrator at 1-800-757-1274, or call collect outside the U.S. at
1-804-673-6496. The Benefit Administrator will ask You for some preliminary claim information and send You a special
claim form. If You do not notify the Benefit 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 Benefit Administrator:
• A copy of Your monthly billing statement or the travel itinerary (showing the last four [4] digits of the Account
number) confirming 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)