Our travel insurance for lost luggage and other baggage mishaps can help you focus on your journey, not what's missing.
How our baggage insurance
can help you
"Does travel insurance cover lost luggage?" Ours can! Because no one plans to spend their vacation tracking down missing bags and valuables.
Here's what you get with
our baggage insurance
If your bags are lost or stolen while traveling, our travel insurance for lost luggage can help reimburse you if your baggage isn't found — or help reimburse the essentials while you wait for its return.
From clothes to personal items, we're here to help you keep moving forward. We can also help protect against theft, giving you one less thing to worry about on your trip.
Before you buy: To get the most from your lost luggage coverage, choose one of our Ultimate, Advantage, Essential, or Travel Med Go plans. These plans offer up to $500 per item, compared to $250 per item with our flight plans.
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Why vacation with our
baggage insurance?
You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.
Personalize your policy
Every trip is different — and so is what you pack. Our plans include travel insurance for lost luggage to help you recover what's missing, and you can personalize your protection with optional upgrades that fit the way you travel.
25+ years' experience
For more than two decades, we've helped travelers recover from lost and stolen bags with clear guidance and reliable support. When something goes wrong on the road, we know how to make things right.
24/7 travel support
Lost luggage can happen anywhere, anytime. Our 24/7 assistance provider is always on call to help track down your belongings or guide you through next steps if they're not found.
Get to know our
coverage a little bit more
Our baggage travel insurance can help cover one of the most common travel setbacks — lost, stolen, or delayed luggage. But that's just the beginning. Our plans also include a wide range of benefits and optional upgrades designed to help support you.
Unpack our benefits
Want more than just lost luggage travel insurance? Our plans go further — with additional benefits for medical emergencies, trip interruptions, travel delays, and cancellations that can disrupt your plans.
Discover our upgrades
Baggage insurance is already built into our select plans — and with up to nine optional upgrades, you can add extra protection like pet care coverage, adventure activity benefits, and more to fit your trip.
Pack our Travel On app
Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.
Tips for handling
luggage problems abroad
From lost baggage to a lost passport, it's no fun losing your belongings abroad — it can be stressful, too! These guides are here to help you navigate what to do next.
Want to know more about
our baggage insurance?
Have questions about what happens if your luggage is lost, stolen, or delayed? These FAQs break down how our baggage travel insurance works.
Delayed baggage coverage is included in most of our base plans. This means we can help reimburse you for must-have items you need to purchase if your baggage is delayed or misdirected for 12 hours or more.
Here are our plans that include baggage delay coverage and their limits:
- Essential: $200
- Advantage: $200
- Ultimate: $500
- Travel Med Go: $500
- Flight Insure Plus: $500
Good to know: We can only cover the costs — up to the coverage limit of your chosen plan — for clothing and personal items that you actually need for your trip. For example, if you're on a beach vacation in Mexico and your baggage is delayed, you can't have coverage for a $200 ski jacket purchase. Our coverage is here to help you get back on track based on your planned itinerary, so keep this in mind before you go on a shopping spree if your baggage is delayed.
When you pack your suitcase for your getaway, you expect it to go on vacation with you — not go missing. You might not even think it's at risk of being stolen or damaged while you're on vacation. But no matter what trip you take, baggage travel insurance can come in handy if your stuff gets lost, stolen, damaged, or delayed while you're on the go.
Baggage coverage can come in handy if:
- You're worried you'll be waiting at baggage claim for a suitcase that never arrives. Especially when it's a busy travel season, your airline could lose your bag or place it on the wrong plane. Even if your bag is only delayed, you may need the items inside immediately upon your arrival. In this scenario, travel insurance with lost luggage coverage can reimburse you to replace the items you need for your vacation.
- You're concerned you'll be a target for thieves — particularly in airports, train stations, and hotels that are often busy and crowded with tourists. In the unfortunate event that your luggage is stolen, your travel insurance can help cover the cost of replacing your items.
From a seemingly friendly local stealing your passport to a taxi running over your suitcase, baggage travel insurance benefits can soften the financial blow of needing new essentials. Just remember it's your responsibility to help keep your stuff safe when you travel. Keep your belongings on you or within eyesight and reach to prevent them from being stolen.
If you're traveling with expensive or valuable items like smartphones and jewelry, it's smart to ensure your travel insurance can provide enough coverage for those items.
If you're traveling with us, yes — you can buy extra coverage to increase your coverage limit and insure additional items not eligible for coverage by your base plan. We have an optional baggage upgrade that can give you more lost baggage coverage for things like your smartphone, laptop, and other items that are more expensive to replace. You can add it to your policy when you get a quote.
Our baggage upgrade can help you in three ways:
- It lets you increase the overall coverage limit for lost, stolen, or damaged baggage.
- It increases the coverage for lost or stolen electronics (like your smartphone or laptop) and professional equipment.
- It includes coverage for sporting equipment if yours is lost, stolen, damaged, or delayed and you need to rent new equipment.
Our baggage upgrade can help ease money stresses if something happens to your stuff on vacation, so you can quickly get back to having fun.
When you file a lost baggage or personal effects claim, the more documentation you provide, the faster and smoother the process will be.
Here's what you'll typically need to file a claim:
- A proof of loss or report from the airline or transportation provider. For example, a report number or reference indicating your luggage was lost, delayed, or never delivered.
- Receipts and itemized bills for any items you purchased to replace essentials.
- Original purchase receipts or proof of value for lost or stolen items.
- Your itinerary or travel booking confirmation.
- Documentation of any refunds or reimbursements from airlines, hotels, or agencies.
- Police, airline, or local authority reports if applicable (for theft or loss).
- Any insurance or traveler reports you filed.
- Your bank account details for reimbursement.
Make sure your documentation is clear and legible. Incomplete or missing paperwork is one of the most common reasons for claim delays.
For more tips on how to avoid mistakes and speed your claim, see our travel insurance claim tips.
Ready to get baggage insurance?
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Insurance coverage underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535, state of domicile: New York), 1299 Zurich Way, Schaumburg, IL 60196. The product descriptions provided above are only summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Coverage and rates may vary by states. If there is any conflict between the contents of this website and the Policy, the Policy will govern in all cases. Travel Assistance Services are provided by the designated provider listed in the policy or on your Confirmation of Coverage. Travelex Insurance Services, Inc. 810 North 96th Street, Suite 300, Omaha, NE, 68114. CA Agency License #0D10209.
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