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How to Claim Insurance for Lost Baggage

Baggage insurance is crucial for your trip. Let’s delve deep and see how travel insurance lost baggage can save the day for you in such unexpected circumstances.

  • 26 Jul 2023
  • 2 min read

Losing luggage is one of the most frustrating experiences that can happen while travelling. It can be inconvenient, stressful, and even expensive. This circumstance is nothing short of a nightmare for anyone travelling, regardless of how often they do it. Your luggage may be taken from the baggage collection belt, misplaced in transit, or disembarked from an aeroplane while you are travelling from one nation to another. Baggage insurance is crucial for your trip. Let’s delve deep and see how travel insurance lost baggage can save the day for you in such unexpected circumstances.

Lost Baggage Claim Process

You must first look at the coverage provided by travel insurance for checked-in baggage to determine the highest amount you can claim to secure your luggage when travelling. Always get lost luggage insurance that includes coverage for delayed baggage. When your luggage goes missing, there could be two scenarios — one where your luggage gets lost temporarily and the other when you lose your luggage permanently.

Travel insurance providers will compensate the cost of any interim purchases of food, medicine, and personal items in the event of a temporary loss. However, one must wait 24 hours if their luggage is lost permanently.

The airline provides you with a tracking card while it searches for the luggage. You may be able to file a claim for missing luggage under your travel insurance if the airline is unable to find and deliver your baggage.

Here are the steps on how to claim insurance for lost baggage:

1.File a Property Irregularity Report (PIR) with the airline

The PIR is a document that will help you track your luggage and file a claim with your insurance company.

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You will need to gather the following documentation to file a claim with your insurance company:

  • Your travel insurance policy
  • Tickets
  • Luggage details
  • Copy of the PIR
  • List of the contents of your luggage
  • Proof of purchases

3.Submit your claim

You can submit your claim online or by mail. The online submission process is faster, but you can also mail your claim to the address of your insurance company’s Claims Department.

4.Wait for your claim to get processed

Your insurer will review your claim and process it within 30 days. If your claim is approved, you will get reimbursed for the lost or damaged items.


It’s advisable to file your claim as soon as possible after your luggage is lost. Keep a copy of all your documentation in a safe place. Be detailed as possible when describing the contents of your luggage. And it is important to opt for travel insurance for lost baggage. This will act as a safety net and help you recover the costs associated with such unanticipated situations.

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