The Lost Luggage benefit is in excess of any travel insurance purchased by the Insured Person for the same Covered Trip or indemnity or reimbursements by the airline, cruise line, railroad, station authority, occupancy provider available to you...To be eligible for this benefit, you must report the loss or damage to the Common Carrier immediately as soon as you exit the Carrier. You will need to provide proof that you submitted a report to the Common Carrier, so be sure to keep a copy of the report for your records.