Neutered male dogs and cats have less urge to roam and, consequently, less risk of exposure to contagious diseases, less
contact with other
animals that could result in fights, and less risk of being hit by a motor
vehicle.
Additional Exclusions for Baggage and Personal Effects:
animals; automobiles and automobile equipment; boats or other
vehicles or conveyances; trailers; motors; aircraft; bicycles, except when checked as baggage
with a Common Carrier; household effects and furnishings; antiques and collectors items; sunglasses,
contact lenses, artificial teeth, dentures, dental bridges, retainers, or hearing aids; artificial limbs or other prosthetic devices; prescribed medications; keys, money, stamps and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein); professional or occupational equipment or property, whether or not electronic business equipment; or telephones or PDA devices, computer hardware or software;