Can Travel Insurance Help if the Airline Loses My Bags?

If your airline has permanently lost your luggage, you can make a claim for your lost items. 

  • Our plans include coverage for lost baggage checked-in with the transportation provider. 
  • You must have a copy of the official report with the airline confirming the theft.  
  • The Standard and Explorer plans have different levels of coverage; benefit limits depend on your plan. 

What’s covered

If your checked-in luggage is permanently lost by the airline, you can make a claim for lost items such as: 

  • Baggage or personal effects that you own;
  • Passports, driver’s licenses, birth certificates, and travel visas;
  • Sporting equipment.

How to make a claim 

  • You must report the loss within seven days. You can make a claim online, which you can do while on your trip. 
  • We will need supporting documents confirming the permanent loss of your bags within 90 days. A carrier report is best. 
  • Gather evidence of the value of the lost goods if over $100. A receipt of a replacement or documentation of the value on the Internet should work.

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

  • Fragile or brittle items (e.g. glass or china);
  • Perishable items;
  • Antiques and collector’s items;  
  • Cash;
  • Anything that you use for business and professional purposes.

Be aware that there is a per item limit, meaning there is a maximum amount you can claim for each item in your luggage.  

This is a summary only. It does not include all terms, conditions and exclusions of the plans described. Please refer to the actual plans for complete details of coverage and exclusions and take the time to read the full description of coverage in the policy. 

Remember, if you need help, you can contact us


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