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Select two or more plans using the 'add to compare' function to compare plans side-by-side in a clear and helpful format. When quoting and comparing, you can click on any benefit to launch a window with coverage details, definitions and exclusions.

Baggage Loss & Delay - Travel Insurance Benefit

Travelers trust their bags to airlines around the world, and baggage goes out of sight when a trip begins. Baggage that does not turn up at the other end of a voyage could have gone anywhere. The airline will try to find the baggage, but travelers cannot afford to be without their luggage for long periods of time. Each traveler must replace all their luggage, their clothes and all ancillary items. Travel insurance can provide coverage for these expenses.

#1: Detailing What Was In The Luggage

Every traveler must tell their insurance company what was included in their luggage when it was lost. An estimated value of the luggage must be included with the claim form, and the travel insurance company will verify all items that were lost with the airline. The airline may have several weeks to fully recover the luggage, and a claim may need to wait. Every policy offers different guidelines.

#2: Replacing Extremely Valuable Items

An emergency claim may be made to replace extremely valuable items that are lost or stolen during a trip. Musical instruments, electronic equipment and family heirlooms have high value that is almost impossible to measure. An instrumentalist must file a claim to replace their expensive instrument, and someone who works with computers must file a claim to replace their computer equipment. It is important to read the Baggage Loss benefits for your policy before you purchase so you know what it does or doesn’t cover.

#3: Replacing Clothing And Toiletries

All clothing and toiletries can be replaced when travelers arrive at their final destination, but the bill for replacement must be sent with the claim form. All receipts will be honored, and the value of the clothing lost will be covered by the insurance policy. All baggage loss claims involve the value of the items lost and the replacement of those items during the trip. The trip itself has not ended, but the trip became much more expensive.

Baggage loss can occur during long trips from one place to another. The airline will search for the lost baggage, but clothing and other items must be replaced when travelers arrive in their final destination. A claim can be made to replace expensive items immediately, and a claim to replace clothing or toiletries can be filed when the trip is over.

The small premium for a travel insurance policy will pay out thousands of dollars (benefits vary by policy/plan) to replace items that has been lost during a trip. The massive expense incurred from a loss can be recovered, but every traveler should have a policy that makes claims simple.

Travel Insurance Glossary

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Our Trusted Providers Include

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