Am I covered if the airline loses my things?

If your airline has permanently lost or damaged your luggage, you may be able to make a claim for some of the items in your bag.

What does your coverage offer?

If your checked-in baggage, personal belongings or sporting equipment are permanently lost or damaged by your common carrier, you can make a claim. We cover the depreciated value of your items up to the limit shown in the Schedule of Benefits in the policy.

How to make a claim

  • You will need to provide original receipts or sales slips for lost items valued over $149.99 CAD and proof that you owned the item.
  • You must obtain a letter of coverage or denial from the transportation carrier. We will need supporting documents confirming the permanent loss of your bags. A carrier report is best.
  • Gather evidence of the value and your ownership of the lost goods. If you’re having trouble finding your receipts, read our Help Center article here.
  • You can make a claim online, which you can do while on your trip or after you get back.

What may not be covered?

Travel insurance is not designed to cover everything. Some items which aren’t covered include:

  • Fragile or brittle items such as glass or porcelain
  • Antiques and collector’s items
  • Anything that you use for business and professional purposes

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just  ask us


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Our contact details

We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 7:00am - 8:00pm (CST)
  • Saturday 8:00am - 6:00pm (CST)

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Within Canada & continental USA, toll free:
1 877 328 2528

International collect:
+1 416 646 3723