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Lost and stolen belongings

What does travel insurance cover.

Some cheap travel insurance policies provide cover for your baggage, although some people choose not to take this cover if they are already covered ‘away from the home’ under a home contents insurance policy.

1 Theft from a car

In the event of theft from a vehicle policies do provide cover if:

• the items concerned have been locked out of sight in a ‘Secure Luggage Area’; • forcible and violent means has been used by an unauthorised person to get into the vehicle; and • evidence of such entry can be proven.

Some policies might have restrictions on loss of baggage from unattended vehicles such as losses that happened during certain times. This will be specified in the holiday insurance policy wording – for instance, leaving items overnight between 9pm and 9am.

2 Loss of valuable items

Cover for ‘valuable’ items will vary considerably between travel insurance policies, and is subject to certain limits. Examples might include:

• cameras, photographic, and video equipment; • perfume; • computer hardware and software; • games consoles (PSP, Nintendo DS, etc.), accessories and games; • personal organisers; • mobile phones; • televisions; • portable audio equipment (DVD, CD, iPod, etc) and associated discs, memory sticks and accessories; • spectacles; • prescription sunglasses; • telescopes; • binoculars; • jewellery; • watches; • furs; and • precious stones and articles made of or containing gold, silver or other precious metals.

Policies do not cover valuables that go missing from your suitcase between the time they are checked in until you collect them at your destination, or when they have been left unattended. To make sure valuables are covered by your travel policy, do not put them with your checked-in bags – keep them with your hand luggage.

There is a maximum amount – called the 'single article limit’ – that will be covered for each individual article. There is also a limit on the total amount that can be claimed for items listed as valuables.

If you have very expensive jewellery or a laptop, camera, or camcorder, it is important to check that the single article limit is high enough before buying a policy.

The ‘total valuables limit’ applies regardless of the single article limit and you should check that it is sufficient to cover your belongings if you are taking more than one valuable item with you. For instance, if you have a camera worth £300 and a camcorder worth £200, but there is a total limit of £300, in the event that both are stolen the most you would be able to claim back is £300.

(13) Excess Baggage. Sheila’s Wheels, 2010. http://www.sheilaswheels.com/media/EXCESS_BAGGAGE.html [Accessed: 05/10/10]

(14) ABI claims data.

(15) ABI quarterly survey. October 2010.

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Travel Insurance: Does It Cover Lost Items, Baggage, and Theft Protection?

Yes, travel insurance covers lost items, including personal belongings and valuables. Coverage only applies to items lost from secure locations. Each policy has limits on total claims and single items. Always review your insurance terms for detailed information on coverage and the claims process.

In addition to lost baggage, travel insurance may provide protection against theft. If your personal items, such as electronics or wallets, are stolen, you can receive compensation for the loss. However, coverage levels vary by policy, so it’s essential to review the details of your specific plan.

Travel insurance may also cover baggage delays. If your luggage does not arrive on time, the insurance can reimburse you for purchasing necessities, such as clothes and toiletries. This benefit allows travelers to manage unexpected situations without financial stress.

Understanding the specifics of travel insurance, including coverage for lost items, baggage, and theft protection, is crucial. Next, we will explore how to select the right travel insurance policy to best suit your needs and ensure comprehensive protection during your travels.

Table of Contents

What Items Does Travel Insurance Typically Cover for Loss and Theft?

Travel insurance typically covers loss and theft of personal belongings during your trip.

The main items covered by travel insurance include: 1. Luggage and personal belongings 2. Travel documents 3. Money and credit cards 4. Electronics and valuables 5. Rental car protection 6. Delayed baggage reimbursement 7. Personal liability coverage

Travel insurance policies can vary significantly, so it’s crucial to understand the specific terms and coverage limits offered by different providers.

Luggage and Personal Belongings : Travel insurance covers loss or theft of luggage and personal items such as clothing and accessories. The extent of coverage varies by plan. According to the Insurance Information Institute, most policies reimburse for lost items based on actual cash value, which factors in depreciation.

Travel Documents : Plans often include coverage for lost travel documents, such as passports and boarding passes. This coverage typically assists with the cost of obtaining replacements and may also cover costs related to delays caused by missing documents.

Money and Credit Cards : Coverage for cash and credit card theft is common. While policies usually have a limit on cash reimbursement, they often cover unauthorized charges on credit cards. It’s wise to report the theft to the local authorities and your bank immediately to ensure adequate coverage.

Electronics and Valuables : Travel insurance can cover theft or loss of valuable items such as cameras, laptops, and jewelry. Policy limits apply based on the type of item. Some plans may require specific riders for high-value items.

Rental Car Protection : Some travel insurance plans provide coverage for personal items stolen from a rental car. This can include luggage and other belongings left inside the vehicle. Check the policy limits, as coverage can differ significantly.

Delayed Baggage Reimbursement : If baggage is delayed, many insurance plans cover essential items like clothing and toiletries. Typically, you’ll need to provide receipts for the purchases. Most insurers specify a waiting period before you can claim this coverage.

Personal Liability Coverage : This covers you if you cause damage or injury to others while traveling. It’s a broader safety net that often extends beyond just loss and theft, making it essential for protecting against potential legal expenses.

Understanding these specifics allows travelers to choose the right coverage for their needs. Depending on the provider, additional coverage options might be available, so reviewing policy details is crucial before purchasing travel insurance.

Are Personal Belongings Included in Travel Insurance Policies?

Yes, personal belongings are generally included in travel insurance policies. Most travel insurance plans provide coverage for lost, stolen, or damaged belongings while traveling. This includes luggage, personal items, and sometimes valuable possessions.

Coverage for personal belongings can vary significantly between travel insurance policies. Some plans offer comprehensive protection, while others include limited coverage. For example, a basic plan may cover only the cost of lost luggage, whereas a comprehensive plan may also cover theft of items like cameras or electronics. Additionally, travelers should check the policy limits on reimbursement and the specific exclusions that may apply, such as certain high-value items.

One positive aspect of including personal belongings in travel insurance is the peace of mind it offers to travelers. According to the U.S. Travel Insurance Association, 40% of travel insurance claims in 2019 involved lost or stolen personal belongings. This statistic illustrates a common risk that travelers face. Having insurance can mitigate financial losses and provide assistance in locating lost items.

On the downside, there are limitations and conditions that might affect claims for personal belongings. For instance, many policies impose deductibles or maximum payout limits. Some insurers may not cover certain high-value items unless they are declared in advance. A 2020 report by the National Association of Insurance Commissioners highlighted that travelers often overlook these important details, leading to denied claims.

To ensure adequate protection for personal belongings, travelers should compare policies carefully. They should consider purchasing a policy with comprehensive coverage that includes personal items and theft protection. Additionally, documenting belongings with photos and receipts can facilitate the claims process. Travelers should also read the policy fine print to understand exclusions and limits on coverage for high-value items.

How Does Travel Insurance Define Lost Baggage?

Travel insurance defines lost baggage as luggage that cannot be retrieved after a reasonable amount of time following the arrival at a destination. This usually applies when a traveler’s checked luggage does not arrive on the same flight or is misplaced by the airline. The insurance coverage typically includes compensation for the value of essential items and belongings within the lost baggage. Travelers should report the loss to the airline immediately and obtain a written confirmation of the loss to support their claim. Travel insurance may have specific time limits for reporting such losses and requirements for the documentation needed for claims.

What Actions Should You Take If Your Items Are Lost During Travel?

If your items are lost during travel, you should act promptly by reporting the loss, contacting your service providers, and taking necessary follow-up actions.

• Report the loss to the airline or transport company.
• File a report with local authorities if items are stolen.
• Contact your travel insurance provider.
• Document lost items with photographs and receipts.
• Keep copies of all communications and reports.
• Monitor your accounts for unauthorized activity.

Recognizing these steps is crucial to effectively managing the situation of lost items while traveling.

Reporting the loss to the airline or transport company: Reporting the loss to the airline or transport company involves notifying them immediately about missing luggage or belongings. This is often a necessary step to initiate any search or claim process.

Filing a report with local authorities if items are stolen: Filing a report with local authorities is essential if your belongings are stolen. This creates an official record, which may be needed for insurance claims or potential investigations.

Contacting your travel insurance provider: Contacting your travel insurance provider should happen as soon as you realize items are lost. Review your policy to determine coverage limits and the process for filing a claim. Some travel insurance policies may cover some or all of the lost items.

Documenting lost items with photographs and receipts: Documenting lost items with photographs and receipts helps substantiate your claims. This process involves taking photos of what was lost and gathering any existing purchase receipts to support your claim.

Keeping copies of all communications and reports: Keeping copies of all communications and reports ensures you have a record of your claims process. This can be useful for follow-ups and any potential disputes that may arise.

Monitoring your accounts for unauthorized activity: Monitoring your accounts for unauthorized activity helps prevent identity theft or fraudulent use of lost items. Regularly check bank statements, credit cards, and other accounts for unusual transactions following the loss.

By following these detailed steps, travelers can effectively navigate the challenges posed by lost items and mitigate potential disruptions to their travel plans.

Is Reporting to Authorities Necessary for Filing Insurance Claims?

Yes, reporting to authorities is often necessary for filing insurance claims, especially in cases involving theft, accidents, or significant property damage. Specifically, most insurance companies require a police report or similar documentation to validate the claim and begin the claims process.

In cases of theft or accidents, similarities exist in the requirement to report incidents to the police or relevant authorities. Both homeowners and auto insurance policies typically mandate this step. For example, if your vehicle is stolen, your auto insurance provider usually insists on a police report to authenticate the claim. Alternatively, if your home was broken into, the homeowner’s insurance would similarly require evidence of the incident documented by law enforcement.

One positive aspect of reporting incidents to authorities is the potential for expedited claims processing. Insurance companies often prefer claims backed by official reports because they provide clear evidence of the event. According to a study by the National Association of Insurance Commissioners (2022), claims with police reports are 70% more likely to be approved quickly. Additionally, having a formal record can help deter fraud, ensuring that legitimate claims are processed efficiently.

On the downside, filing a report can be time-consuming and may involve legal complexities. Some individuals might find the process daunting or intimidating. According to a survey by Consumer Reports (2021), 30% of respondents felt overwhelmed by the process of filing claims, with many reporting delays in payments due to missing reports. This highlights the burden that formal reporting can place on claimants, especially those unfamiliar with the process.

To ensure a smooth claims experience, individuals should consider their specific situation before filing. For theft or significant accidents, always report to local authorities first. Keep a record of any communication and obtain copies of reports as needed. If unsure about the process, seek assistance from an insurance agent who can guide you through the necessary steps based on your policy requirements. This proactive approach helps facilitate the claim while ensuring that all necessary documentation is in order.

How Can You Differentiate Between Theft and Loss in Travel Insurance Policies?

Travel insurance policies differentiate between theft and loss by defining each term and outlining specific coverage conditions. Theft refers to the unlawful taking of your belongings with intent to permanently deprive you of them, while loss generally involves misplacement or accidental damage to your property.

The distinctions are crucial for claims processing and understanding policy limitations. Here are the details:

Definition of Theft : Theft in travel insurance refers to the unlawful taking of insured items. According to the International Chamber of Commerce (ICC, 2020), theft must be reported to local authorities, which validates the incident for insurance claims.

Definition of Loss : Loss describes situations where items are misplaced or damaged without independent criminal action. Typical examples include items left behind in hotels or lost during travel. The Insurance Information Institute (III, 2021) indicates that coverage for loss may vary based on specific policy terms.

Claims Reporting : For theft claims, it’s essential to file a police report. This document is often required by insurers to verify that a crime occurred. In contrast, for loss claims, documentation proving the item’s existence (like receipts or photos) is critical.

Coverage Limits : Most travel insurance policies have specific limits on coverage for theft versus loss. Theft may be covered up to a maximum limit, often reflective of the value of high-risk items like electronics or jewelry. In contrast, loss coverage might have a lower maximum or specific exclusions, such as for cash.

Exclusions Considerations : Policies may include exclusions that affect theft and loss differently. For instance, personal items left unattended may not be covered if stolen. Conversely, coverage for lost items may have specific conditions about when and how losses occur.

Understanding these distinctions can help travelers choose the right travel insurance and file claims effectively. By knowing the specifics about theft and loss, individuals can better navigate their coverage options and ensure they are adequately protected during their travels.

What Are Common Exclusions for Lost Items in Travel Insurance?

Common exclusions for lost items in travel insurance include the following:

• Unattended belongings
• Items left in checked baggage
• Certain high-value items
• Loss due to negligence
• Items not reported to authorities
• Wear and tear
• Loss while under the influence of drugs or alcohol

Understanding these exclusions helps travelers assess their risks and make informed decisions.

Unattended Belongings : Travel insurance typically excludes coverage for items that are left unattended. This means if a traveler leaves their bag in a public place, they may not receive compensation for any loss. For instance, a study by the Consumer Travel Alliance (2018) found that unattended luggage accounts for a significant amount of reported losses.

Items Left in Checked Baggage : Many policies do not cover lost items that are kept in checked baggage. Insurers often advise travelers to keep valuable items, like electronics and jewelry, in their carry-on luggage. This exclusion means that if checked bags are lost during the flight, compensation for the contents may not be provided.

Certain High-Value Items : Specific high-value items may be excluded from coverage or subject to sub-limits. Items like expensive watches, electronics, and art often have stricter guidelines. Insurers may not cover losses exceeding a certain threshold unless a policy rider is purchased. According to policy insights from the Insurance Information Institute (2021), understanding these limits is crucial for high-value item owners.

Loss Due to Negligence : If a loss occurs because the traveler was negligent—such as leaving valuables in plain sight—coverage may be denied. Examples of negligence include failing to secure items properly or ignoring obvious risks. Insurers commonly assess the circumstances surrounding a claim to determine if negligence was involved.

Items Not Reported to Authorities : Many insurance policies require travelers to report lost or stolen items to the police or relevant authorities within a specific timeframe. Failure to report can lead to denial of claims. The claims process often includes submitting a police report as proof of loss, illustrating the importance of following this requirement.

Wear and Tear : Insurance typically does not cover losses due to normal wear and tear or deterioration. For instance, if a suitcase breaks due to age rather than an incident, it is not eligible for a claim. The National Association of Insurance Commissioners (2020) confirms that wear and tear exclusions are standard in many travel policies.

Loss While Under the Influence of Drugs or Alcohol : Travel insurance may exclude coverage for lost items if the traveler is under the influence at the time of loss. Being intoxicated can impair judgment and lead to situations that provoke such losses. Travelers should be aware that these exclusions can impact their claims.

Understanding these exclusions allows travelers to protect themselves better and choose suitable coverage for their needs.

Do Various Insurance Providers Offer Different Coverage Levels for Lost Items?

Yes, various insurance providers do offer different coverage levels for lost items. Each provider may have unique policies regarding what is covered under lost items and how much they will reimburse.

Insurance providers tailor their policies to meet various customer needs. Different coverage levels depend on several factors, such as the type of policy, the value of the items insured, and any specific terms outlined in the agreement. Some policies may cover the full replacement value of lost items, while others may have limits or exclusions. Additionally, optional coverage for specific valuable items may be available, offering further customization. Always review policy documents carefully to understand the specific terms and conditions associated with lost items.

How Can You Ensure Adequate Coverage for Lost Items in Your Travel Insurance Policy?

To ensure adequate coverage for lost items in your travel insurance policy, you should carefully assess your policy details, understand coverage limits, and consider add-ons for enhanced protection.

First, review the policy specifics. Check what items are covered under your policy. Many basic travel insurance plans offer coverage for personal belongings, but they may exclude high-value items like electronics or jewelry. Second, understand the coverage limits. Policies often have limits on individual items and overall coverage amounts. For instance, if a policy covers up to $1,000 for lost belongings, but your smartphone is worth $1,200, you may not receive full reimbursement. Third, consider additional riders or add-ons to increase your coverage. These options allow you to customize your policy by adding protection for high-value items. Statistics indicate that theft and loss occur on approximately 1 in 20 trips, according to a study by the Association of British Insurers (ABI, 2019). Fourth, provide thorough documentation. Ensure you keep receipts and photographs of your belongings. This documentation supports your claim and can expedite the process. Fifth, check for exclusions. Some policies may not cover certain circumstances, such as leaving items unattended or loss resulting from negligence. Finally, consult with your insurance agent. They can clarify the policy nuances, ensuring you choose the most suitable coverage for your travel needs.

By carefully considering these points, you can enhance your protection against lost items while traveling.

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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

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• Baggage & Personal Items Loss
• Baggage & Personal Items Loss

What is Baggage & Personal Items Loss Coverage?

Baggage and Personal Items Loss is a popular travel insurance benefit that provides reimbursement for damaged, stolen, or lost luggage. This benefit typically covers both carry-ons and checked bags for the duration of your trip.

Most plans will reimburse you the actual cash value of the lost items at the time of the incident. Travel insurance providers set coverage limits that put a cap on the maximum amount of reimbursement you are eligible for, which can vary from one plan to the next.

Yes, almost all travel insurance policies include luggage insurance in the form of Baggage & Personal Items Loss and Baggage Delay coverage. Some adventure plans also include protection for any sports equipments you choose to bring with you on your trip.

Baggage insurance benefits are designed to protect you financially if something happens to your belongings while you’re traveling. This protection can come in handy if an airline mishandles your luggage or if you misplace your personal effects while abroad.

While the majority of travel insurance companies will cover your belongings for the entire length of your trip, others will only cover luggage that was checked into a common carrier . A policy’s Certificate of Insurance will outline what items, expenses, and scenarios that are covered.

Most travel insurance plans include per person limits and per item limits. You may also see policies with specific item limits, which set a limit on how much total reimbursement you can receive for high priced items like jewelry, laptops, cameras, and other valuable belongings.

In general, you can expect plans to fall into the following ranges:

• Per person: $500 – $3,000
• Per-item coverage: $50 – $500
• Total coverage for specific items: $250 – $1,000
• Contact Your Provider: If your items are missing and you plan on filing a claim, you should first contact your provider. They will be able to advise you on their process, the baggage coverage you have, and what documents you may need.
• File a Report: Before filing a claim, your provider may require you to file a report with your airline or local authorities, depending on where the incident occurred. Doing so will alert officials that your items are missing, and may even result in them being returned to you.
• Collect Your Documentation: Proving something is missing can be tricky. Your provider may ask for a detailed list of the items in your bag, any relevant receipts, police reports, and any other relating documents that support your claim.
• Complete A Claims Form: Once you have collected all documents, you may then begin to file your claim. Most modern providers will allow you to fill out a claims form online, either through their website or mobile app.
• Submit Your Claim: Once you submit your claim, your provider may reach out to you for additional information. Be sure to check back from time to time to see the status of your claim, and if any judgments have been made.

Most travel insurance policies don’t offer sufficient loss coverage for expensive items. If you’re traveling with luxury goods, valuable jewelry, or other belongings that have a value greater than your policy’s coverage limits, we recommend finding an alternative source of protection.

Many travel credit cards now offer generous protection for personal effects while you’re traveling. Some homeowners insurance or renters insurance policies also allow you to add protection for high prices items.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Baggage & Personal Items Loss coverage.

Looking for a policy with Baggage & Personal Items Loss coverage?

Enter your trip information on our custom quote form . Once you receive your results, select the Baggage & Personal Items Loss filter to find the best policy for your trip with the coverage that you need.

Baggage & Personal Items Loss by Provider

• Travel Delay
• Hurricane & Weather
• Missed Connection
• Cancel For Any Reason
• Cancel for Covid-19 Sickness
• Trip Cancellation
• Trip Interruption
• Financial Default
• Employment Layoff
• Cancel For Medical Reasons
• Cancel For Work Reasons
• Interruption For Any Reason
• Medical Coverage for Covid-19
• Emergency Medical
• Pre-Existing Condition
• Co-Insurance
• Medical Deductible
• Home Country Coverage
• Medical Evacuation & Repatriation
• Non-Medical Evacuation
• Extension Of Coverage
• Baggage Delay
• 24 Hour AD&D
• Flight Only AD&D
• Common Carrier AD&D
• Sports & Activities
• Sports Equipment Loss
• Sports Equipment Delay
• Sports Weather Loss
• Search & Rescue
• Sports Fees
• Rental Car Damage
• Money Back Guarantee
• 24 Hour Assistance Service
• Identity Theft
• Renewable Policy
• Maximum Trip Length
• Maximum Number of Trips
• Additional Benefits

Additional Information

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Does Travel Insurance Cover Lost or Delayed Baggage?

Do the scenes of fields of bags spread out across an airport put a knot in the pit of your stomach, thinking that your bag could be in there? If so, read on.

There’s no question the number of mishandled bags is rising. According to the Department of Transportation’s Air Traffic Consumer Reports, the number of mishandled bags increased 59% from 2021 to 2022.

The percentage of bags mishandled is low – less than 1% – but a 59% increase is especially significant when you consider that the number of mishandled bags usually only changes a small bit from measurement period to measurement period.

While people have had some good results slipping a tracking tag into their luggage, that shouldn’t be all you do to ensure the safety of your luggage and its contents. Travel protection that covers your luggage and personal belongings is an important piece of the baggage protection puzzle.

Will the airline reimburse me for lost luggage?

When baggage mishandling occurs that is the fault of the airline, the airline will often pay for lost items or costs to reunite you with your bag. In these cases, it is the responsibility of the airline to provide agreed upon arrangements first and travel insurance may cover the remainder. See our handy list of links to airline customer service agreements to learn how the most popular airlines handle baggage problems.

With Generali Global Assistance, Baggage coverage is secondary, which means if you have coverage through your homeowner’s policy for baggage or items in your baggage, it will pay first, and then travel insurance may reimburse certain items that haven’t already been replaced or reimbursed.

In addition to letting your insurance companies know about your lost luggage, you also need to notify authorities at the site where you believe it was lost – such as an airline’s baggage office or police.

Travel insurance for luggage and personal items

Travel protection plans from Generali Global Assistance include coverage for lost, damaged, stolen, and delayed baggage – which can be helpful when you’re flying.

Our Premium Plan has $2,000 per person in coverage for lost, damaged, or stolen baggage. If you think about what you spent on your bags and what might be inside them, it can be easy to blow past the $2,000 mark. One piece of jewelry or a camera could do it.

Some things our plans won’t cover:

• Musical instruments
• Phones and computers
• Medicine and cosmetics

See more exclusions

The good news is that many of the things you’d pack in a suitcase are covered. You probably wouldn’t pack your phone, money, or a tablet in a checked bag.

But clothes, shoes, jewelry, and other common traveling items may be covered under the Baggage benefit.

Does travel insurance cover delayed baggage?

Our travel protection plans don’t just cover lost, damaged, or stolen baggage. They cover baggage delay as well.

Baggage Delay coverage may reimburse you for replacement clothing and personal articles that are needed while the baggage is delayed, so save those receipts.

Sporting Equipment Delay coverage may reimburse you for the cost of renting replacement equipment and/or locating your delayed Sporting Equipment and having it returned to you.

Important Notes: To qualify for coverage, baggage must be delayed for at least 24 hours with a Standard Plan, 18 hours with a Preferred Plan and 12 hours with a Premium Plan. Sporting Equipment must be delayed for at least 18 hours with the Preferred Plan, 12 hours with the Premium Plan, and coverage is not included with the Standard Plan.

Pro tip: An additional benefit you might not have expected is that Generali may reimburse you for the cost of having your clothes cleaned while waiting for your luggage to arrive.

Also read:  How to Keep Your Travel Bags Safe

When is a bag considered delayed vs. lost?

According to the Department of Transportation, most airlines consider a bag lost after 5 to 14 days . At any time during that window, the updates include any attempts made by the airline to locate your luggage or bags and return them to you.

Once that window has passed with no sign of your belongings, the bag is declared permanently lost by the airline. At that point can you start filing formal claims for lost luggage reimbursement through the airline's limited liability process.

What if the airline damages my bag or belongings?

Dealing with damaged luggage from the airlines can frustrate travelers as much as lost belongings. Whether the damage results in broken zippers, crushed frames or badly mishandled belongings, passengers often feel angry and helpless.

Airlines are only held liable for repair or replacement costs up to $3,800 for domestic flights and approximately $1,700 for international flights, according to the Department of Transportation . An airline's definition of damage can also differ from a passenger's.

That's what makes the Baggage coverage with our plans appealing. With this coverage, you receive secondary protection if the airline damages your luggage or the contents inside during handling and transit. If your baggage and personal items haven’t been completely replaced or reimbursed by the airlines, you can be made whole again.

Steps to take if your baggage is delayed or lost

Report your missing or delayed luggage immediately before leaving the airport. File an official report, and get a copy of the file reference numbers/reports.

Keep your baggage claim stubs as proof of checked bags, along with any receipts for travel essentials you purchased due to the delay.

Promptly submit a claim through your travel protection provider, including the airline reports and reference numbers, along with receipts/documentation of the items lost.

Take note of airline representative names and stay on top of the airline claims process.

There’s a lot more to travel protection for luggage than just paying for replacement bags. Get a quick quote to see options to help protect your trip.

In the meantime, is that your bag in the security-camera footage at Heathrow?

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When does travel insurance actually cover for lost, or stolen belongings?

Luggage and personal effects cover is the most frequently claimed benefit, but it's also the one that causes the most confusion at claims time. We answer some of the most common questions customers ask us about luggage cover and help you find which insurers have the right luggage cover for you.

When you're Covered

Most comprehensive travel insurance policies (not basic, medical-only ones) include coverage for theft, loss or damage of your luggage and personal effects in a range of circumstances. These include:

• Many belongings that are lost, stolen or damaged, whilst they are accompanying you on your trip
• Theft of cash from your person up to a specified limit
• Luggage delays by an airline or other transport authority (over a certain number of hours), and you need to buy food, clothes, or other toiletries (again, up to a certain limit) until your luggage arrives
• Loss or theft of your travel documents or transaction cards, e.g. your passport or credit card
• Items left in a locked glove compartment or locked boot of a motor vehicle during daylight hours

When you're not covered

There are a number of situations when you're unlikely to be covered:

• Leaving items in a hotel after you've checked out
• Leaving items behind, such as in a plane or at the airport
• Specific expensive items (check your policy documents) such as jewellery , mobile phones , cameras, video cameras and laptops that are transported in the cargo hold of any aircraft, ship, train, train, tram or bus, rather than with you in your carry on luggage
• Items unattended in a motor vehicle, unless they were locked in the boot or in a locked storage compartment during daylight hours
• If you’re due reimbursement from a transport carrier for the loss of your items. However, if you’re not reimbursed the full amount, travel insurance will generally make up the difference (up to a specified amount)
• Many insurers no longer cover for water or screen damage to electronic devices
• Items excluded under your policy, such as drones , or sporting equipment /surfboards in use
• Items left unattended or unsupervised in a public place

Compare luggage cover

Please note, the following table shows the listed insurer's most comprehensive international policy. It was accurate at the time of publishing but policies are subject to change - get a quote or check your policy documents for up-to-date details

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

How to make a luggage claim

Claiming for luggage and personal items is fairly straightforward. The procedures are generally very similar across insurers but it's a good idea to check your insurer's policy documents to be sure. To validate your claim, they generally require:

• Proof of payment and ownership - so they know that you owned/paid for the items
• Proof of loss - so they know that you have experienced a loss and should be compensated
• Proof of itinerary - so they know you and your items travelled
• Proof of identity - so they know they're paying the right person

1. Check your policy documents

Knowing exactly what you need to claim and the timeframes you need to obtain documents can mean the difference between a successful and denied claim

2. Report the theft or loss

In the event of a theft, most insurers require you to get a police report in the local jurisdiction within 24 hours - the sooner you can do this, the better. In the event of a loss, report it to your airline, hotel, tour or cruise provider, or some other relevant authority. Get a copy of any reports you have made, as this will help establish proof of loss to your insurer.

3. Check the liability

Confirm whether you are eligible for compensation from your airline or another provider in the event of loss, theft, or damage - depending on where your flight takes off and lands, some airlines are required to offer you some compensation, up to certain limits. Get documentation of whether or not your provider is accepting liability - whichever is the case, already having that information can speed up how your claim is processed.

4. Get a repair quote in the event of damage

If something has been damaged, your insurer will generally require a quote from a reputable repair business. The quote will need to outline the nature of the damage confirming if it can be repaired or needs to be replaced entirely, and how much repair would cost.

It's important to ask your repair person to break down the cost of repairs into their component parts. For example, if you dropped your phone and shattered the screen, and broke the CPU and body. Insurers who don't cover smashed screens will generally cover any other damage.

5. Get your documents together

To submit your claim, you'll need documents that show proof of the loss (for example, theft or loss report or repair quote), as well as proof of ownership. So dig out your old receipts, credit card statements, or check your email for an invoice to help prove that you owned the item you say you did. Depending on the insurer, they may also require a copy of your original flight and accommodation itineraries. In order to prevent fraudulent claims, you will usually be required to provide identification. This could include a drivers licence or passport and a bank statement so they can confirm they are making payment into the correct account.

6. Submit your claim

Find your insurer's claims page online, and fill out their claims form and attach your documents where prompted. Give them as much information and documentation about what happened as possible so they can make a decision easily. If they don't have enough information, it can delay your claim. For more on claiming, visit our travel insurance claims page.

Unsupervised or unattended items

When travelling, you have to treat your items the same way you would if you were in Australia - this means you shouldn't leave them unsupervised or unattended . Insurers consider an item unsupervised or unattended if you left your items:

• behind after you've checked out
• in a public place, such as an airline seat, an airport, a restaurant or a hotel
• with a stranger that you didn't know prior to travelling
• with family or friends who weren't watching them
• at a distance where you can't control them being taken
• behind you, or near you but you were asleep (be careful sunbathers!) The most complaints we hear about luggage is leaving glasses behind on planes, or items being stolen from shared dormitories - so be sure to secure your belongings and take them with you when you leave

iPhones and smartphone claims

iPhones and other smartphones tend to be subject to more strict conditions, because they are small items that cost a lot of money, and scammers try to upgrade to a newer model by saying their phone was damaged or stolen.

Most insurers exclude cover for smartphones that are left in the cargo hold of a plane, so bring it with you in your carry-on luggage. You should also check whether your insurer covers water damage or smashed screens before you buy a policy. Some insurers exclude smartphone coverage altogether or have it as an add-on.

All insurers that we're aware of have item sub-limits for phones of around $1,000 . This means that even if your phone costs $1,500, the most you would get back is $1000, minus any excess and depreciation. If you want to insure your item for its full value, consider listing it as a high-value item .

On top of proof of theft from police or another authority, or a damage repair quote, you will also require the IMEI (International Mobile Equipment Identity) number of your phone, and evidence that it has been blocked by your telecommunications provider. Blocking the IMEI means that no one can use your phone's handset, and helps show that your phone was lost or stolen, rather than you've handed it on or sold it.

Visit our guide for more on mobile phone travel insurance .

Laptops and camera claims

As with smartphones, most insurers will not cover damaged laptops or cameras that are in the cargo hold of a plane, and many no longer cover for water damage - watch out for those venti cappuccinos near your laptop. They also tend to have item sub-limits of between $1,000 and $3,000. This means that even if you have a policy with $10,000 luggage cover, the most you can claim for your laptop or camera is the item sub-limit, minus any excess or depreciation.

Additionally, it is worth noting that cameras and their lenses tend to be considered to be a one item or a pair of items, and would be included in the one sub-limit.

If you want to insure your laptop or camera for its full value, you may wish to consider listing it as a high-value item .

Jewellery claims

As above, jewellery is rarely covered if it's in the cargo hold of a plane, so keep it with you - or keep it at home. Most travel insurance brands will only let you claim up to $500-$750 per jewellery item, and they don't allow you to list it as a high-value item. So reconsider bringing that expensive engagement ring along if you can't afford to lose it. Visit our guide for more on jewellery travel insurance .

What is Depreciation?

Depreciation is the decrease in the value of an item over time. A suitcase laptop that you bought nine years ago would not be worth the same today, so your insurer will generally calculate a depreciated amount when paying your luggage claim. Depreciation assumes wear and tear, outdated technology, and a general decrease in market value for older items. If you're looking to avoid depreciation, many insurers allow you to list items as a high-value item . For a small increase in premium, you can list a specific item on your certificate of insurance and it will not be subject to depreciation.

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Does travel insurance cover luggage?

Comprehensive travel insurance policies include luggage cover up to a specified limit. Each insurer has a different list of items and situations that are covered, so it pays to compare their policies, shop around, and find the policy that's right for you. Some insurers do not cover sporting equipment, while others don't cover it while it's in use. Some don't cover musical instruments, or have any benefits for theft of cash. Luckily, it's all written in their product disclosure statement - so read through it so you know exactly what you'll be covered for before you buy. Reading through customer reviews for travel insurance can also help you understand why claims are accepted or denied, so you can stay ahead of the curve.

What is an excess?

An excess is the amount under which an insurer won't pay your claim. So if you have a $100 excess and a $20 pair of sunglasses go missing, you can still claim for it, but you wouldn't get anything back because it is below excess. However, if your suitcase went missing, with $3000 worth of items, including your $20 sunglasses, then the most you could get back is $2900 ($3,000 less your $100 excess). Most insurers charge an excess per event - so if your camera was stolen one day, and your backpack fell off the cruise ship another day, each claim would incur an excess.

What if I don't have proof of purchase for lost or stolen luggage or personal items?

Holding onto your original receipts can make claims move faster. However, if you don't have them, have a hunt around for your bank or credit card statements from the time to see if they're confirmed on there. If you have them, you can use them to help substantial your claim, or you can visit the retailer and ask them to reprint the receipt. Paid in cash? A screenshot, email or statutory declaration from the person you purchased it from may help. Otherwise, do you have any photos from before the loss or theft? Some insurers may accept this as proof of ownership, although it may not help them know what its value is or how much depreciation to deduct, so you get their underwriter's minimum amount.

Will I be covered if the airline loses my luggage?

If checked into the cargo hold of a plane, however, most insurers do not cover jewellery, phones, laptops and other expensive items stored in the cargo hold. You may also be eligible for luggage delay benefits if the airline misplaces your luggage, and you temporarily need to buy clothes, toiletries, etc. Check your insurer's policy documents for details.

Do I need a police report if my personal items are stolen?

Yes, most insurers require you to get a police report within 24 hours. Check your policy to confirm. Some insurers also require this if an item is lost. Check out our guide for more on claiming on your travel insurance .

How do I find out my IMEI (International Mobile Equipment Identity) number if my phone was stolen?

Your IMEI is an identification number specific to your handset (it's not your mobile number). It is printed on the box you received with your phone and is typically also on the receipt from the retailer you purchased from. You can also typically find out your IMEI number from your phone service provider, and request that they block your IMEI number. This means that no one else can insert another SIM into the phone and start using it. Most insurers require proof that your IMEI has been blocked to cover claims related to phones.

What is an item sub-limit?

Within some benefits, like luggage and personal effects benefits, there are sub-limits for individual items. You might have a total benefit of $7,500-$10,000 for luggage, but you may have an individual item limit of $500-$750, or $3000 for computers, or $1000 for phones. These sub-limits will vary between insurers. Check your policy documents for more information.

.css-c1mx6c{transition-property:var(--chakra-transition-property-common);transition-duration:var(--chakra-transition-duration-fast);transition-timing-function:var(--chakra-transition-easing-ease-out);cursor:pointer;-webkit-text-decoration:none;text-decoration:none;outline:2px solid transparent;outline-offset:2px;color:var(--chakra-colors-primary);}.css-c1mx6c:hover,.css-c1mx6c[data-hover]{-webkit-text-decoration:underline;text-decoration:underline;}.css-c1mx6c:focus-visible,.css-c1mx6c[data-focus-visible]{box-shadow:var(--chakra-shadows-outline);} Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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How to File a Travel Insurance Claim Online

Tips for filing your travel insurance claim

Even with an easy-to-follow online solution, filing any insurance claim is hardly an everyday experience. If you need additional assistance while submitting your claim, don’t hesitate to reach out to Allianz Global Assistance’s team of travel insurance experts at 1-866-907-3045.

We even took some time to chat with our team members to learn about some of the common errors travelers make when filing claims so that we could pass them onto you. These mistakes include failing to check your travel insurance plan’s benefit limits. You’ll want to eyeball your plan’s benefit limits for prepaid, nonrefundable expenses as well as add up the value of your packing list. It might impact which travel insurance plan you pick — or whether you wear that nice dress on the plane or pack it in checked baggage. Another area that’s sometimes overlooked is submitting all required documents for a claim. As noted above, we’ve prepared lists of all the critical items for each type of claim. ( See other common travel insurance claim errors here .) 3

Don’t forget, once you submit your claim, you’re going to want to check its status. There are a few ways to do so, including checking online — or even easier — using our Allyz ®  TravelSmart app .

When travel plans go south, you just want to be able to pick up the pieces, quickly and easily. After all, that’s why you purchased a travel insurance plan. At Allianz Global Assistance, we’ve designed our claims process to be “smooth sailing” – even if your getaway wasn’t.

Related Articles

• Four Insider Tips for Filing a Travel Insurance Claim
• 7 Receipts You May Need to File a Travel Insurance Claim
• What Does Travel Insurance Cover?
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Making a claim on your travel insurance

This advice applies to England. See advice for See advice for Northern Ireland , See advice for Scotland , See advice for Wales

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

Read this page to find out more about what you need to do if you have to make a claim on your travel insurance policy.

Remember to take your travel insurance policy number and emergency contact telephone number with you when you travel

if a problem happens while you're away, keep receipts for everything you need to buy to support your claim

if possible, get your insurer to agree to medical treatment before it's carried out

always tell your insurer about an existing health problem before you take out insurance, or you may not be covered

report lost or stolen belongings to the local police within 24 hours of them going missing. If this isn't possible tell the person in charge where they went missing.

Making a claim while you're travelling

Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you're travelling abroad, check you've got the right phone number.

Making a claim when you get home

If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim:

you're within the time limits for making a claim

you're covered for what you're claiming for

how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this

the small print . Make sure there's nothing in the terms and conditions that prevents you from claiming

whether it's a new for old policy. If it isn't, the amount you get for items you're claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear.

Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself.

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused.

Your insurer may ask if you have other insurance that may cover the claim. You'll need to let them know if you have other insurance that may also offer cover, for example, home contents insurance.

Making a claim for lost, stolen or damaged items or luggage

You're expected to take reasonable care of your belongings while you're travelling. The insurer will want to see evidence that you did this.

If your belongings are lost or stolen, you should tell the local police within 24 hours of the items going missing. If this isn't possible, tell someone else such as your tour rep, hotel manager or transport provider and get a written report.

If you have to replace essential items, such as toiletries or emergency clothing, ask for receipts to send as evidence with your claim.

Making a claim for medical emergencies and personal injury

If you need medical treatment while you're away, try to contact your insurer straightaway and get them to agree to the treatment. You should do this before it's carried out, although this may not be possible in an emergency.

You may have to pay up-front for medical treatment and claim it back when you get home. Always make sure you get receipts for any treatment or medication you're given.

If you did not tell your travel insurer about an existing health problem before you took out the insurance, you may not be covered if you need treatment  for this while you're away.

You may not be able to claim for the cost of any medication that you usually need and may have to take while you're travelling.

If you're a UK resident and have a European Health Insurance Card (EHIC), you can still use it to get healthcare in EU countries until it expires.

If you don't have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free.

If you’re visiting Norway you can use your UK passport to get medically necessary healthcare there. Some countries have agreements with the UK to give free emergency treatment.

Travel insurance should cover you for pregnancy if you are in normal health. However, some airlines won't let you fly if your baby is due within a few weeks.

Making a claim if you have to cancel or shorten your trip

If you need to make a claim because you've cancelled or shortened your trip, your insurer will only accept your claim if you have a good reason for doing this. Reasons may include:

unexpected death, illness or injury of you, your partner or people travelling with you

a fire, burglary or unexpected damage happens to your home

you're made redundant

you're pregnant and are advised not travel after you took out the insurance

you're called for jury service or as a witness in court.

If you have to come home early, your insurer will usually only refund any extra travelling costs and the cost of any unused time in your holiday accommodation.

If you need more help

Other useful information

Medical treatment in other countries www.nhs.uk .

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Airline lost your luggage? What to do and when to claim.

Although lost luggage is a rare occurrence – less than 0.05 percent of checked bags are actually lost – when it happens to you, it is inconvenient to say the least.

Follow these tips and limit the chances of your checked luggage going taking off. plus know when to claim from your airline and when to claim from travel insurance., keep valuables in carry-on.

As most experienced travellers know, one of the first rules of efficient travel is to put valuable and important items, such as your devices, camera, passport, tickets and prescription medication in your carry-on bag. It’s also a good idea to include a change of clothes, so you are prepared in the event of a lost bag or minor delay.

A tag for every bag

These days, all checked bags are required to have a luggage label; make sure the address on yours is legible and up to date and is your name and address rather than that of the bag’s previous owner. Some suitcases have a pocket sewn into the outside, with a transparent cover, use this for your name and address as it is more secure than an attached tag.

It is also a good idea to put your name and address as well as a copy of your flight itinerary inside your luggage, in case the outside label comes off. If your suitcase is older and beginning to look its age, make sure any zippers, straps and pockets are secure for your journey. Colourful or distinctive straps around your luggage make it easier to spot on the baggage carousel.

Make time to connect

Not surprisingly, most luggage is delayed or lost when you have to make a connection somewhere – especially one that is short on time. Request extra time for your connection if you feel it necessary – a 40 minute connection time at a big airport is asking for trouble, even though the airline assures you it is enough time.

Take a nonstop flight if you possibly can, or if you have to change planes, try to catch a flight earlier in the day so you have back up flight options for both you and your bags. An early morning flight is statistically less likely to be delayed or cancelled, as delays tend to build up throughout the day.

The early bird catches the bag

Be sure to check in for your flight on time to minimise the risk of your bag being mishandled. Check in times vary according to your destination, the airline you are traveling on and even the airport you are flying out of; and you should always check with your airline or travel agent for the current guidelines.

Try to make sure your bag is actually checked through to the correct destination – that often mysterious three letter airport code that appears on the luggage tag attached to your bag is all important. For example, if you are flying to Salt Lake City (SLC) and the agent tags your bag to SCL – it will end up in Santiago, Chile!

Be right back

It may comfort you a little bit to learn that most luggage is not actually lost – just delayed. If you are flying somewhere where there are flights every hour or so, your delayed bag may well be on the next flight. If so, you generally have the option of having it delivered to you – although this can take several hours, as the delivery company employed by the airline is responsible for delivering delayed bags for several different airlines. You can also go in to the airport in person to pick up your bag, in which case you should make sure that you have a photo ID.

Claim from your airline

If your luggage does not reach your destination  within a certain time or is lost completely, you should be entitled to compensation directly from your airline. However it depends on the extent of the delay. Most airlines will start to compensate you after 24 hours. They may only compensate you for essentials such as an immediate change of clothes. It also depends on whether you are at home or somewhere else – if you are at home without your luggage, the airline’s view is that you don’t need as much compensation.

You do have a legal right to claim compensation from the airline if your checked-in luggage is delayed, lost or damaged, so start there.

Deadlines for claiming? Most airlines follow these deadlines, but it’s a good idea to check with the airline.

If your luggage is delayed or missing, the airline has 21 days to find it and get it to you. If you get your luggage back within 21 days, you can still claim compensation for delayed luggage. If you don’t, claim for lost luggage.

Claim from travel insurance

If your airline loses your property and is limited in compensating you, you can turn to your travel insurance to claim for the items lost as well as for some of the costs of replacing essentials while you were in transit.

To claim, you’ll need an official report from your airline detailing how and when your bags were lost or damaged, and what your airline intends to do about it.

Should there be a gap in how they take care of you, travel insurance is there to help you cover your losses. For lost baggage & personal items, including glasses and sunglasses, Travel with Kit offers cover of up to $2,000 on our Basic plan, and up to $10,000 on Comprehensive.

Looking at comprehensive cover for permanently lost luggage, the maximum amount we will pay for any one item is:

• $3,000 for personal computers, video recorders or cameras
• $1,000 for mobile phones (including PDA’s and any items with phone capabilities)
• $750 for all other luggage and personal effects.

Lost luggage claims due to airline negligence could also include:

• Replacement costs of dentures or dental prostheses
• The cost of buying essential clothing and toiletries due to delays to your luggage for more than 12 hours. This does not apply to the final leg of your trip. If the delay is more than 72 hours, you must have receipts and written confirmation supporting your claim, which need to include the length of the delay, from the appropriate authority. Note that excess does not apply to this benefit.
• A payout of up to $500 if you suffer financially because your travel documents, travellers’ cheques, passport or credit card has been stolen, lost, or used fraudulently
• A payout of up to $500 to cover additional costs while having your passport or travel documents replaced following the accidental damage, theft, or permanent loss of your passport in transit. Note that excess does not apply to this benefit.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

What to do in case my luggage is stolen?

What to do if my luggage is lost| AXA Travel insurance

Yes, unfortunately luggage theft is not as uncommon as we would like, as this problem is one of the most feared scenarios by travelers all over the world.  [1] According to a 2018 study performed by the International Society of Aeronautical Telecommunications (SIAT), 6 out of every 1000 passengers reported a baggage loss or theft.

And while it's true that most cases occur more on connecting trips, the reality is that none of us are exempt from suffering this annoying problem on a local or international trip.

Below are some steps you can take in the event your luggage is stolen:

LOST ITEMS OFFICE :  Advise the airline representative immediately that you have lost your baggage. The representative will provide you with a Baggage Loss form in which you will need to provide essential information such as: 

• Your first and last name
• Your flight number and date of flight
• The number of lost or damaged luggage.
• Description of the lost items  

Depending on your airline carrier, additional information may be requested.  

CONTACT AXA:  Now that you've completed the first step, the second is much easier; contact us at 855-327-1442 to report your lost baggage claim and our customer service agents will assist you with your claim and any related questions you may have.

At AXA Assistance USA, Inc. (“AXA”) all of our travel protection plans include a loss or theft of Baggage/Personal Effects benefit.

Don't hesitate, always travel protected with the security that only AXA can give you.  

[1]  https://www.sita.aero/resources/type/surveys-reports/baggage-report-2018 Disclaimer: Welcome to the AXA Assistance USA Travel Insurance Blog! The Travel on Blog is intended to provide you with entertaining and educational information of a general nature. The articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Please contact AXA Assistance USA if you have any questions.

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Baggage and Personal Effects Insurance

Why do I need it?

Sometimes you check your luggage with an airline or hotel only to find it damaged, lost or stolen, putting a damper on your trip. In an unfortunate situation like this, Amex ®  Travel Insurance †  can provide you with reimbursement for the damage or replacement of your items.

What’s included?

Your baggage and personal items can be covered in the event of loss, theft or damage during your trip.

Lost or stolen

Personal items.

Reimbursement of losses up to $1,000 per trip ($3,000 per family), up to a maximum of $300 for any one item or set of items.

Reimbursement of up to a combined maximum of $250 towards the replacement costs for important documents, like your passport, travel visa and more.

Delayed baggage

Reimbursement of up to $500 for necessary toiletries and clothing if your checked bag is delayed for more than 6 hours.

Recommended Travel Plans

Emergency Medical

Trip Cancellation Insurance

Trip Interruption Insurance

Baggage & Personal Effects

Flight & Travel Accident

Frequently Asked Questions

How does COVID-19 affect my coverage?

You are now leaving this american express website and will transfer to the royal & sun alliance insurance company of canada(rsa) website. rsa is responsible for handling your claim. all of the information you provide will be subject to the rsa privacy policy that can be found on their website. claims are subject to terms, conditions, limitations and exclusions as outlined in the certificate of insurance. please continue to the rsa website by clicking continue below. continue cancel, can i extend my coverage if i am already travelling.

Coverage may be extended by calling  1-844-200-8959  and requesting an extension before your existing coverage for your trip terminates. Your request may be approved provided you meet the eligibility requirements and no event has occurred that would give rise to a claim under the insurance. If an event has occurred that would give rise to a claim, the extension of your insurance is subject to the approval of the Insurer.

Are my dependents covered under my plan?

Coverage for dependents may be available based on the terms and conditions of the plan selected.  View plan details and download insurance certificates , or call  1-844-200-8959 .

Are my baggage and personal effects covered for my entire trip?

Baggage and Personal Effects Insurance protects against physical loss/theft or damage of your baggage or personal effects, from the time you leave your home province or territory up to and including your return date. Note that not all plans cover baggage and personal effects. For more information,  view plan details and download insurance certificates , or call  1-844-200-8959 .

Contact us: 1-844-200-8959

Mon - Fri: 8am-8pm (EST); Sat: 9am-5pm (EST)

†  Amex ®  Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit  rsagroup.ca . In this outline, we have given a brief description of just some of the benefits available under Amex ®  Travel Insurance. All insurance coverage is subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada and the applicable limitations and exclusions described in the Certificate of Insurance issued upon enrollment. Please read the Certificate of Insurance carefully. Amex ®  Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

® , TM: Used by Amex Bank of Canada under license from American Express.

© 2022 Royal & Sun Alliance Insurance Company of Canada. All rights reserved. ®RSA, RSA & Design and related words and logos are trademarks and the property of RSA Insurance Group Limited, licensed for use by Royal & Sun Alliance Insurance Company of Canada. RSA is a trade name of Royal & Sun Alliance Insurance Company of Canada.