Sickness benefits may provide a set amount of money per day for hospital or non-hospital confinement. These benefits are not payable for any sickness for which you have been treated or have taken prescribed medicine within a certain number of days prior to the effective date of your coverage. If your baggage or other personal effects are lost, damaged, or stolen, benefits are payable up to the maximum of the benefit limit selected. In some cases, this would include baggage that is rented or borrowed. Companies may set a benefit limit for loss of or damage to such items as jewelry, furs, cameras, and camera equipment.
Some companies also offer coverage for delayed or misdirected baggage.
The benefits paid under baggage delay coverage may reduce the amount payable under coverage for loss or damage. Insurance companies will usually require that you notify the appropriate local authorities at the place the loss occurs within a stated number of hours after the loss. Some companies may assist you in locating your lost baggage. It also may pay for transportation expenses incurred to reach your final itinerary point or to rejoin your trip when you must cancel or interrupt travel for the reasons stated in your policy. Policies generally cover trip cancellation or interruptions for reasons of your own injury, sickness, or death or that of a family member, traveling companion, traveling companion's family member or, in some cases, a business partner.