Need luggage only travel insurance? A non-medical travel insurance policy can cover you for just your luggage and trip cancellations.
Travelling on a budget and only after minimal cover? While not all travel insurers offer policies that don't cover things like medical, there are providers out there. This guide is a quick look at those providers, the policies on offer and what to look for when buying luggage insurance.
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What does luggage only cover?
Although the exact level of cover offered by luggage insurance varies between insurers, most travel insurance for luggage only policies will cover:
- Accidental damage to your luggage and personal belongings. Your policy should cover the cost of repairing or replacing your items.
- Theft of luggage. Theft of your luggage and personal belongings and the cost of repair or replacement will be covered.
- Lost by airline. Baggage and personal belongings that are lost by an airline or other travel provider. Once again, repair or replacement costs will be covered.
- Cancellation costs. Cancellation fees and lost deposits when unexpected events (for example losing your job or the illness of a relative) force you to cancel your trip.
- Emergency allowance. An allowance to buy emergency clothing and toiletry supplies when your baggage is delayed by a travel provider.
What should I look at in a policy?
- Limits. Each luggage insurance policy features a maximum benefit limit it will pay out for your lost, stolen or damaged luggage, for example $5,000.
- Sub-limits. Many policies will also feature per-item sub-limits that can catch many travellers out. For example, a policy may only pay a maximum of $500 per item, which may not be sufficient cover for high-value items such as laptops and cameras.
- Exclusions. Common exclusions that apply to baggage insurance include no cover if you leave your baggage unattended in a public place, no cover for items left unsupervised in a motor vehicle, and no cover if you fail to take all reasonable steps to prevent any loss or damage.
- When to take out cover. It’s vital that you take out cover before you begin your trip – after all, your baggage can get lost, stolen or damaged as soon as you start travelling.
Won’t the airline pay for it?
In some cases, you will be able to recover some of your losses from the airline responsible for losing or damaging your baggage. However, it should come as no surprise that an airline will always work to minimise its liability when it comes to mistakes involving your baggage, so you need to be aware of the relevant international convention that covers your flight and your rights.
As a general rule, your travel insurance policy will cover the losses that are not recoverable through other means – that is, through your airline. With this in mind, it’s important that you follow all the necessary procedures to seek compensation from your travel provider.
Compare policies and get cover for your luggage today
The level of cover provided varies between insurers and policies, but you’ll typically be able to receive cover when natural disasters and a ride range of other unexpected events have catastrophic consequences for your travel plans. Compare travel insurance for luggage and find the right insurance for you.
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