Baggage and Personal Items Loss Coverage

Coverage for your baggage and personal items can be different in terms of its comprehensiveness. It usually varies from policy to policy, so you will definitely need to look closely at your own insurance certificate to set your mind at ease and be sure you are covered even for the worst possible cases.

Maximum payouts

You see, typically travel insurance policies covers baggage loss only up to a pre-determined amount. There is usually a certain per-person maximum payout. It is always stated in the policy and it may range anywhere from $500 to $3000. If your policy has per-article limits it can reach up to $250 per item.

Covered items

Let us move on to the items that most insurance policies offer coverage for. In most cases, tourists are covered for losing luggage, travel documents and personal possessions. We should point out that items which you ship ahead to retrieve them later when you arrive at your destination are not covered.

Unfortunately, every underwriter has a detailed list of all the items that are not covered at all, even though they may be in your suitcase. For example, some companies do not cover animals, contact lenses, sunglasses, prescription medications, computer software or hardware, telephones, keys, cash, credit cards and professional equipment.

Damage not covered

Here is another reason for you to read your policy certificate very attentively: you need to find and memorize the list of all types of damage that are not covered. Most companies exclude the usual wear and tear of personal items as well as and breakage of especially brittle or fragile articles.