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We agree to insure uninsured personal property of a travelling companion acting as your aide, subject to the Personal Property limit in the policy. Tools and instruments used for business ( are increased to $6,000 (from $5,000). If your claim involves specialized equipment related to a paraplegic condition, no deductible will apply. And if your claim occurs while you’re travelling, no deductible will apply.

All other terms, conditions, limitations and exclusions of the policy continue to apply.