©2019 Bank of America Corporation. General disclaimer for Bank of America.
Your Guide to Benefit describes the benefit in effect as of 11/1/19. Benefit information in this guide
replaces any prior benefit information You may have received. Please read and retain for Your records. Your
eligibility is determined by Your financial institution.
ULost Luggage Reimbursement
You can be reimbursed up to a maximum of five thousand ($5,000) dollars for actual amounts paid by you
for the direct physical loss or damage to your Checked and/or Carry-On Baggage and the personal items
contained therein. Reimbursement will be on an Actual Cash Value basis at the time of loss. The benefit
is payable on an excess basis over and above any amount due from any other valid or collectible
insurance or any other form of reimbursement payable by those responsible for the loss.
For Insured Persons who are New York State residents, the loss or damage must occur while the Insured is in
transit, and the maximum amount of insurance is two thousand ($2,000) dollars per bag, including contents,
with a maximum annual amount of ten thousand ($10,000) dollars for all Insured Persons per trip.
UWho is eligible?
This insurance is provided to the Cardholder, the Cardholder’s spouse and unmarried dependent children,
and person(s) employed by the company for which the Account is issued when all or a portion of the
Common Carrier passage fare(s) is charged to the covered Account and/or rewards programs associated
with the covered Account. Insurance is also provided to person(s) authorized by the company for which
the Account is issued and for whom a ticket was purchased using the Account. Spouse refers to the
Insured Person’s husband or wife who is recognized as such by the laws of the jurisdiction in which the
Insured Person resides. Spouse includes domestic partners or Insured Persons joined by Civil Unions
where applicable by law. Dependent child refers to the Insured Person’s unmarried child from the
moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of
placement with the Insured Person. The dependent child must be primarily dependent upon such Insured
Person for maintenance and support, and must be under the age of twenty-six (26) or classified as an
incapacitated dependent child.
UWhat is
not
covered?
Coverage does not apply to loss resulting from:
• any dishonest, fraudulent or criminal act of the Insured
• forgery by the Insured
• loss due to war or confiscation by authorities
• loss due to nuclear reaction or radioactive contamination
• Coverage also does not apply to: 1.) sporting equipment, unless checked with the Common
Carrier and for which a claim check has been provided by the Common Carrier; 2.) animals,
perishables; cameras and accessory equipment; eye glasses and contact lenses; prosthetic
devices including dentures and hearing aids; tickets, valuable papers and documents; Credit