Baggage and Personal Effects

Coverage for loss or damage to baggage and personal effects.

Travel Baggage Coverage

This is coverage for your baggage being lost, damaged or stolen. Coverage is usually all risk, meaning that almost all causes of loss are covered except for those specifically excluded or limited in the policy. However, some of the policies may limit coverage to when your baggage or personal effects are checked as luggage with a common carrier and some plans might exclude "mysterious disappearance". 

Policies might contain limits on the loss of a single item or for the loss of certain items like jewelry or cameras and camera equipment.  Most plans that have baggage coverage are secondary.  Secondary coverage requires that you submit the claim to your home owners plan before the travel insurance company will complete their adjustment of your claim. Your home owner's or tenant's policy may also provide coverage, so be sure to check.

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Question:  what does the small, raised, number 2 mean when I see it next to the baggage limit?

Answer:    it means that the baggage coverage is secondary to any other insurance that you might have that covers the same loss.  In practice this means that you have to submit your baggage loss or damage claim to your homeowners or tenants policy first before the travel insurance company will adjust your claim. 

Question:  What is actual cash value?

Answer:  Actual cash value is the current value of a piece of property at the time of loss.  Some companies will determine that value by taking either the current retail value or the actual cost at purchase of the item and then applying depreciation based on industry standards.

Helpful Tips

One of the most frequent complaints involve baggage claims being denied.  The number one reason being lack of documentation on the insured's behalf.  Remember, in the event of a claim the burden of proof is always on you.  Here's some tips to help better protect you.  

Take an inventory of all your items before you travel.  An easy way to do this is to take a picture.  Always notify the proper authorities; police- file a police report, airlines- filling out a baggage irregularity form.  Always get it it writing.  When it comes time to file a claim, you'll be glad that you did.

Recommended Travel Insurance Plans

The following are the top 3 plans out of 19 available to you. All coverage limits and premiums are in US $.
Company & Plan Name Baggage & Personal Effects Total Premium

Travel Guard

Cruise Tour and Travel

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$ 2,500

See Policy Wording
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Travel Guard


See Details
$ 2,500 [2]

See Policy Wording
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Travelex Insurance Services

Travel Select

See Details
$ 1,000

See Policy Wording
Get A Quote