Losing your baggage while on vacation can ruin your trip and dent your finances. However, your travel insurance includes baggage insurance that covers the loss of baggage. Luggage insurance is a part of travel insurance that covers the loss or delay of your luggage during travel. A travel insurance policy reimburses the cost incurred due to the lost baggage.
In this blog, we will learn how insurance for luggage works under travel insurance.
Baggage coverage is a benefit under travel insurance that financially protects you against losing or delaying your baggage during travel. It is important to understand that in the case of travel insurance, baggage refers to checked-in baggage while you are on a flight to your destination.
You might be wondering why anyone would need travel luggage insurance for checked-in baggage. Isn't it the airline's responsibility? Even if it is the responsibility of the airlines to ensure baggage delivery, there may be situations which may lead to loss or delay of your check-in baggage, such as
In such situations, an extra layer of protection helps secure your luggage, saves you from unnecessary financial stress and ensures that you continue your trip without hassle.
Here are the conditions that are covered under baggage insurance for travel.
If all checked-in baggage is lost at the final destination or en route in case of multiple destinations while in the custody of the carrier in which the insured has travelled, the travel insurance company indemnifies the loss on a reimbursement basis if the following conditions are met.
Suppose the delivery of the checked-in baggage is delayed more than 12 hours after the carrier's landing time. In that case, the insurance company pays a fixed amount as delayed baggage compensation per the policy schedule if the following conditions are met.
There are specific exclusions applicable to baggage insurance.
You must possess certain documents to be eligible for filing a delayed or lost luggage compensation claim.
Also Read: How To do Travel Insurance Baggage Damage Claim?
If you are planning an international trip, an International travel insurance plan with sufficient baggage coverage is a must. Care Health Insurance travel insurance plans provide inbuilt coverage for checked-in baggage, so you do not have to worry about buying separate baggage insurance.
Before selecting a plan, understand the inclusions, exclusions and benefits first. Also, check with the airlines about their baggage policy and how they can assist if there is a delayed or lost checked-in baggage. Many airlines compensate for delayed checked-in baggage for a specified number of days. For instance, if you experience a Delta baggage delay, the airline reimburses purchase expenses up to a specified amount for the first five days of the baggage delay.
Disclaimer: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
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