Travel insurance for delayed and lost luggage explained – Forbes Advisor

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Luggage coverage is a very important benefit in travel insurance plans. It can provide financial assistance if there is a problem with your luggage while traveling. There are two forms of baggage coverage: baggage loss and baggage delay. Here is how they work so that you can make your travel insurance plans accordingly.

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Understanding travel insurance against lost luggage

Baggage loss insurance covers baggage that is lost, damaged or stolen during your trip. But whatever is in your bags may not be covered by insurance coverage.

“Depending on your insurance provider, certain items might be excluded, such as electronics, watches, silver, gold and platinum,” says Bailey Foster, spokesperson for Trawick International, a supplier of travel insurance. (Trawick’s policies do not exclude these elements.)

If you are traveling with laptops, cameras, and other electronic equipment, you want to make sure your travel insurance plan includes these items.

“So if your luggage has been stolen or lost, you should have some protection for those items,” says Foster.

The best travel insurance plans provide $ 2,500 or more for lost luggage. If your suitcase is full of flip flops and T-shirts, that’s probably a lot more blanket than you need. Evaluate the value of what you are packing (plus the value of your actual baggage) to determine how much baggage loss coverage you may need.

HTH Worldwide’s TripProtector Preferred plan is a policy that provides generous lost baggage coverage. It provides for an overall baggage loss limit of $ 2,000.

“Each item is subject to a maximum amount of $ 500, with a combined maximum of $ 1,000 for valuables such as jewelry and electronic equipment,” says Don Van Scyoc, vice president of HTH Worldwide.

Note that lost baggage coverage is usually secondary to other claims you may make, such as reimbursement from the common carrier (such as the airline) or a home insurance claim.

If you are making a travel insurance baggage claim, it is important to be aware that the refund may not equal the amount for replacing the item with a brand new item. The reimbursement could be the cost of repairing or replacing the item, or the actual cash value of the item, whichever is less, Van Scyoc explains.

Understanding baggage delay insurance

Baggage delay insurance reimburses you for expenses you have to pay due to the delay of your baggage. See the policy for rules on baggage delay times and maximum refunds.

“For example, if your baggage is delayed for more than 12 hours, you can submit a claim associated with your delayed baggage if you have a Trawick International travel insurance policy,” explains Foster. “On certain Trawick International plans, our benefits allow travelers to submit a claim if their baggage is delayed by eight hours.”

Arriving at your destination without your luggage is sure to put a damper on your vacation. If you do not have any necessary personal items, you may be reimbursed for these costs under the baggage delay coverage.

For example, if you need toiletries, a change of clothes, shoes, or other necessities while your baggage is on vacation elsewhere, you can make a claim for baggage delay coverage.

Typical per diems for reimbursement of delayed baggage are in the order of $ 200, per person, per day. This modest allowance is designed to help pay for necessities, not replace everything in your bag.

Foster says that when purchasing a travel insurance plan, she highly recommends purchasing a plan that offers the highest possible coverage for baggage loss and delay.

As with lost baggage insurance, baggage delay coverage is often secondary to other claims you may make, such as a claim with the airline.

However, HTH Worldwide’s baggage delay coverage is paramount. “This plan provides primary coverage for all benefits, including baggage, which means you can submit your claim under this plan first and you don’t have to go to your other potential sources. insurance coverage such as a home insurance policy, ”explains Van Scyoc. .

Read your policy to understand the per-item limits, exclusions like expensive jewelry, as well as limits on the amount you can drop off for the baggage itself.

Filing a baggage insurance claim

Documentation is very important when filing any type of insurance claim. Keep all receipts organized, such as receipts for what you had to buy while your luggage was delayed.

If your bags are stolen, report it to the local authorities. If your luggage is lost, be sure to get a report from the airline or other transportation provider.

You can file a travel insurance claim using your policy number through your business website, customer support phone number, or through the business app.

Additional help from travel insurance

Travel insurance not only protects your checked or carry-on baggage, it also covers other types of property when it is lost, stolen or damaged during a trip.

“Maybe you lose your backpack or your train ticket, or your passport is wet, you have been robbed and you lose your wallet, or your phone is lost or stolen,” says Lisa Cheng, spokesperson for World Nomads. “While travel insurance does not cover credit cards or cash, travel insurance can help you get replacements or refunds for these things, as long as you’ve taken reasonable care of them.”


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