Am I covered if my bags have been damaged?

Both of our Standard and Explorer Plans have damaged baggage coverage that may help if your bags (or the items in them) get broken, dented or damaged.

Coverage includes the replacement or repair of damaged items, up to $1,000* on the Standard plan and $3,000* on the Explorer plan, including: 

  • Baggage and personal belongings damaged by your transportation carrier

  • Sports equipment such as bicycles and scuba gear when checked into your transportation carrier

  • Travel documents such as a passport, visa or driver’s license

Benefits are paid out only after reimbursement from any transportation carriers involved, so make sure you contact them first before making a claim with us.

* This benefit is subject to individual baggage limits which are laid out in the Standard and Explorer policy wording.

How to make a claim

You can make a claim online through the membership portal. We’ve even created a step-by-step guide that can help you through the process. Keep in mind:

  • You need original receipts to support your claim.

  • A damage report from your transportation carrier is required. 

  • Depreciated values of items are taken into account.

  • You may have to submit damaged items for appraisal. 

Misplaced your receipts? Read our article on what to do if you’re missing documentation.

What may not be covered?

Travel insurance isn’t designed to cover everything. The main things that aren’t covered are:

  • Items damaged by wear and tear, defect or mechanical malfunction

  • Baggage shipped under a freight contract

  • Certain items such as furniture, antiques and fragile items such as glass or porcelain

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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