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What if you are travelling overseas and lose your checked-in luggage? This situation might spoil your trip, but with baggage insurance, you can secure your personal belongings during your trip. Check out this comprehensive guide to learn more about baggage and insurance.
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Baggage insurance is a benefit under travel insurance that protects your personal belongings from any damage or loss while travelling. Overall, the baggage insurance policy protects the insured’s checked-in baggage from any damage or loss caused during the flight or by the airline staff. It also provides coverage for any delay in the arrival of the checked-in baggage by the airline in the form of reimbursement of any expenses incurred on essential items such as clothes, toiletries, and medicines.
Baggage insurance helps you secure your belongings during your trip. Here are a few benefits that a Baggage insurance policy serves you:
Compensation for Lost Luggage: The foremost benefit of buying baggage insurance is that it compensates if you lose one or all of your checked-in baggage during the trip.
Compensation for Delayed Luggage: If your baggage gets delayed at the receiving counter and you suffer losses, your baggage insurance shall compensate for the expenses incurred.
Helps You to Travel Stress-free: While you take a flight, your luggage and belongings are kept in a cargo hold. When your luggage is not with you, the chances that it can get lost or get delayed in reaching you increase significantly! However, you do not have to worry if you have baggage insurance.
Baggage insurance coverage and costs can vary between providers and policies. It is important to compare different options and choose the one that best suits your travel needs and budget.
At Care health insurance, we provide coverage for baggage insurance as a unique coverage within our travel insurance. Thus, if you’ve purchased travel insurance from Care Health insurance, you do not necessarily have to buy independent baggage insurance. However, suppose you have purchased a travel insurance plan with limited or no coverage for baggage loss. In that case, you may ask your insurer to add coverage for your essential and expensive luggage.
You should always check out the coverage before buying baggage insurance for an international flight. The coverage offered by Care Health Insurance includes:
Loss of Checked-in Baggage: Your travel luggage insurance compensates for your lost baggage once the common carrier accepts the liability.
Delay in Receiving Checked-in Baggage: Suppose you reach the destination and your luggage doesn’t arrive for over 12 consecutive hours. In such a case, your baggage insurance will compensate for the losses incurred during that period.
Loss of a Portion of Checked-in Baggage: Suppose you submit three bags at the check-in counter however, at the destination airport, you receive only two bags. In such a case, your baggage insurance will proportionately compensate for the lost portion of your luggage.
Loss of Expensive Checked-in Baggage: We value what’s valuable to you. Thus, our baggage insurance covers the loss of expensive luggage (cost above ₹5000). To avail of the benefit, you must submit proof of ownership and the baggage cost when making a claim.
Coverage for Checked-In luggage Round the Trip: The baggage insurance ensures you remain worry-free while travelling abroad. Thus, the baggage insurance covers your luggage from the time you get your luggage checked until you are back to your home country, India.
The above-mentioned inclusions of the baggage insurance are for reference purposes only. For complete details on the plan, please read out the Explore policy documents and refer to benefits 13 & 14 or connect with your insurance agent today.
Below-mentioned are a few situations when you can not file a claim under the baggage insurance policy:
Refused Baggage Liability: Baggage insurance bought from Care Health Insurance shall not be liable to pay the claim for loss of checked-in baggage if the common carrier refuses to admit the liability.
Restricted Wait Time: The travel insurance with delayed baggage cover shall not reimburse claims if the checked-in baggage is delayed under 12 hours.
Security Related Delay: Any losses claimed under delayed checked-in baggage wherein the delay has been caused due to detention or confiscation of baggage by any security reasons shall not be covered under the baggage insurance.
Self-Carried Baggage: The baggage travel insurance shall not cover claims made upon loss of self-carried baggage.
Unattested Items: The lost luggage insurance shall cover only up to 50% of the original cost of an expensive item above ₹5000 if the proof of ownership and cost of the item is not attested with the claim form.
Loss of Consumables: The baggage insurance shall not cover loss of consumables if any are in the luggage.
The above-mentioned exclusions of the baggage insurance are for reference purposes only. For complete details on the plan, please read out the Explore policy documents and refer to benefits 13 & 14 or connect with your insurance agent.
Anybody travelling to an overseas country can buy a baggage insurance policy. But, to file a claim, one should meet certain eligibility criteria mentioned below:
There is no specific baggage insurance policy, but there is an add-on that is mostly covered by various travel insurance. You should always check with your policy details before buying the best travel insurance. Given below is the step-by-step process to buy baggage insurance:
Step 1: Visit the company’s travel insurance webpage.
Step 2: Enter your phone or email address. Click on “Get Quote” to proceed further.
Step 3: Select your travel destination and trip duration.
Step 4: Enter the age and number of insured persons.
Step 5: Enter your contact information. You will receive a quote for your trip.
If you are purchasing baggage insurance or travel insurance with delayed baggage cover from Care Health Insurance, here are some things to keep in mind:
You must fill out a claim form to claim for losses incurred due to the loss of your checked-in baggage or delay in receiving your belongings at the airline authority. To do so, here are the steps:
Step 1
Inform your insurance agent about the lost or delayed checked-in baggage, whichever has incurred the losses.
Step 2
Fill out the claim form provided by your agent and enlist all the items lost or delayed, followed by the asked details.
Step 3
Submit the form and patiently cooperate with the insurance agent in verifying the details.
Step 4
If your claim is eligible for reimbursement, your agent shall proceed with the reimbursement process. If not, the insurance agent shall explain why the claim is rejected.
To ensure your luggage remains safe during an overseas trip, it is important to cover it with baggage insurance. However, you do not have to buy lost luggage insurance separately if you have covered your trip with Care Health Insurance’s international travel insurance. While planning to buy travel insurance with baggage insurance, you should keep the following things in mind:
To file a claim under baggage insurance, you will require documents such as a duly filed claim form, the proof of ownership of baggage, the cost of baggage, a list of all the baggage for which you are filing a claim, an FIR in case of theft or burglary, and a copy of your insurance documents.
If you misplace your baggage, you need to file a claim with your insurance provider. You will be reimbursed for the value of the lost items, in accordance with the limits of your policy.
If the case is undisputed and you are eligible for the claim, your travel insurance from Care Health Insurance can take 2-4 weeks to settle. However, the time required to settle the claim may vary if you fail to provide the documents or if the case is under the court's observation.
If you have bought travel insurance with coverage for loss of checked-in baggage and delay in checked-in baggage, you do not necessarily have to buy a separate plan. However, if you do not wish to buy an all-encompassing travel plan, you can buy travel baggage insurance.
Getting luggage insurance is not a legal requirement, but baggage cover is normally included as standard. It provides financial cover if belongings are lost, stolen or damaged - so it is worth considering.
To protect your expensive luggage, it is advised to divide your baggage, use a lock, and luggage tag. You should also not overstuff your bag, as this can strain zippers and seams.
Yes, airlines generally allow luggage covers. However, airport security may cut through the wrapping to inspect the contents of your bag.
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Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.
^^Number of Travellers Served till Jan'25
**Number of Claim Amount Paid as of Apr'25
^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.
##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.
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