You will be covered for up to $100,000 in kidnap expenses incurred by you or a family member as a result of a kidnap and ransom occurrence. The occurrence must include a demand for ransom payment, which would be paid by you or a family member in exchange for the release of the kidnapped person(s). Also, up to $25,000 will be paid to any person for information not otherwise available that would lead to the arrest and conviction of any person(s) who kidnaps you, a family member, or covered relative. (You, a family member, or a covered relative who witnessed the occurrence will not be eligible to receive a reward payment.)

Kidnap expenses include other reasonable costs described in the insurance certificate.