We all know it’s important to be careful with our belongings when traveling but sometimes the worst still happens. If your luggage is lost, stolen or damaged, your policy may help.
You’ve been watching your luggage like a hawk and holding onto it like an Indonesian Coconut Crab (the crafty crustaceans have grip strength so strong it can crush bones). But the worst has happened and you’re not sure if you can make a claim.
There may be coverage to claim up to the policy limits if:
Benefit limits apply both for individual items and per policyholder.
Depending on what happened, you may be reimbursed for:
We will take wear-and-tear and depreciation into account when processing your claim.
To make a claim, you’ll need a report, receipts, and evidence the items were yours.
How quickly you need to notify us of your claim and provide documentation depends on your state of residence. Please read your policy documents for full details. See our how to make a claim article for more info, and if you have any questions, please contact us.
Travel insurance isn’t designed to cover everything. Be sure to read the policy wording, which explains in detail the terms, conditions, limitations and exclusions of coverage.
At no time for any reason should you leave your bags or any personal items unsupervised anywhere (aside from locked in your hotel room). This includes leaving belongings unattended on the beach, in a café while you go get a coffee or in the lobby of the hotel.
Your belongings are not covered at all if they’re:
Also, certain items are excluded from coverage. These include but are not limited to:
If you have any questions, or are not sure if something is covered, please feel free to contact us.
We’re here to help if you have a question about travel insurance. We’re available:
Within the USA & Canada toll free:
1-844-207-1930
From anywhere in the world, direct / collect:
+1-816-905-3963
Before your trip, check the latest government advice for any travel alerts for your destination.