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What is baggage insurance?

Baggage-related coverage under travel insurance is commonly known as baggage insurance or luggage insurance. Travel insurance can help you in situations where your checked-in baggage getting lost during your trip. It financially cushions you if your baggage gets lost or damaged during your trip. It ensures you are not left stranded without essentials. It also helps replace your items without bearing the entire financial burden. It makes your trip less stressful in the face of unexpected mishaps.

Features of baggage insurance

Here are some salient features of luggage insurance:

Loss of checked-in baggage

You get pro-rated pay-out for pieces of baggage permanently lost whilst under the custody of common carrier vis-a-vis pieces of baggage that were checked-in.

Damage to baggage during transit

You get a fixed pay-out in case of damage to your checked in baggage(s) while it is entrusted to the common carrier/public carrier.

Delay of checked-in baggage

You get a fixed pay-out in case the checked-in baggage is delayed beyond the period specified in policy certificate.

Why buy a baggage insurance policy?

Baggage insurance, under travel insurance, is useful because it offers several benefits. These include:

1

Protection against loss

While traveling, the risk of your baggage getting lost or stolen is always present. The risk is enhanced during transit at busy airports. A luggage insurance policy covers the cost of your belongings if they go missing. This ensures you don’t have to bear the financial brunt during stressful situations.

2

Help replace essentials

If your baggage is delayed and doesn’t reach you on time, it can disrupt your entire travel plan. Baggage insurance often includes cover for emergency purchases. This way, you can continue your journey without unnecessary stress or spending from your pocket.

3

Boost confidence

Knowing that your baggage is covered allows you to travel with fewer worries. Whether you’re heading out for a business trip or a holiday, insurance takes one more concern off your list. It lets you focus more on the journey and less on the what ifs.

Things to consider before buying baggage insurance

You need to consider these things before buying luggage insurance:

1

Understand what’s covered

Before you buy baggage insurance, take a close look at what’s actually covered. Read the policy wordings for it. It's important to know what items are included and if any conditions apply. This helps set realistic expectations and prevents disappointments during claims.

2

Know coverage limit

Every baggage insurance policy comes with a maximum coverage limit. If you’re travelling with expensive gear, make sure the sum insured is enough to replace those items. Insurers may also cap the amount you can claim for specific items. Understanding these can help you decide if additional riders are needed.

3

Learn about claim process

An easy and transparent claim process can save a lot of stress during travel. Find out the claims process and have a clear checklist of required documents. Also, check the insurer’s claim settlement ratio. Choose an insurer with a high ratio as it increases the chances of settling claims.

Travel insurance inclusions

Inclusions
Exclusions

The inclusions under luggage insurance are:

Loss of checked-in baggage
Delay of checked-in baggage
Smart delayed checked-in baggage
Damage to baggage during transit

It’s essential to know the exclusions under luggage insurance. Baggage insurance generally doesn’t cover:

Any loss or damage of contents, including valuables and personal money (cash) of the checked-In baggage
Losses arising from any delay, detention, confiscation by customs officials or other public authorities
Loss of the checked-in baggage sent in advance or souvenirs and articles mailed or shipped separately
Loss/damage to any electronic data or software
Loss/damage caused by mechanical or electrical failure, breaking of brittle articles, activity of moths, rodents, etc

How to buy baggage insurance?

As luggage insurance is a part of travel insurance coverage, you get it when you buy travel insurance. To do so:

Go to our official website by clicking here. This is where you can access all our insurance offerings and services.
Once on the homepage, locate the main menu and click on the ‘Travel Insurance’ option. This will take you to the section dedicated to travel-related insurance plans.
Select the type of trip you’re planning – either a Single Trip or a Multi-Trip. Then, choose your travel destination by selecting the appropriate geography and country.
Enter the date you plan to start your journey along with the date you expect to return. This helps determine the coverage period.
After entering all necessary travel details, click the ‘Continue’ button. This will take you to the next step in the policy purchase process.
Carefully follow the on-screen instructions to complete the form and make your premium payment. Once the transaction is successful, you’ll receive your policy.

Baggage insurance: Claim process

To make a claim, contact our 24-hour helpline number for assistance and registering your claim:

In USA & Canada (Toll Free) +1 844 871 1200
Rest of The World (Call Back Facility) +91 124 449 8778
National Toll-free Number: 1800 102 5721
Fax Number: +91 124 4006674
Email Address: icicilombard@falck.com

You can also login to the e-claim link as provided by the company details of which will be mentioned in the policy document or updated on the website.

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Frequently asked questions on baggage insurance

Is baggage insurance included in travel insurance?

Yes, baggage insurance is often a component of travel insurance. In fact, it's one of the vital components of a travel insurance policy.

How much compensation can I get for lost luggage?

Compensation limits vary by policy. However, insurers often set a maximum limit per item and an overall cap for the claim.

Do I need luggage insurance for domestic travel?

While it's more common for international travel, it can still be useful for domestic trips if you're carrying important belongings.

How do I file a baggage insurance claim?

Contact your insurer as soon as possible, submit the required documentation, and follow the claim process. Nowadays, most insurers have taken the claim process online.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Baggage insurance

What is baggage insurance?

Features of baggage insurance

Loss of checked-in baggage

Damage to baggage during transit

Delay of checked-in baggage

Why buy a baggage insurance policy?

Protection against loss

Help replace essentials

Boost confidence

Things to consider before buying baggage insurance

Understand what’s covered

Know coverage limit

Learn about claim process

Travel insurance inclusions

The inclusions under luggage insurance are:

It’s essential to know the exclusions under luggage insurance. Baggage insurance generally doesn’t cover:

How to buy baggage insurance?

Baggage insurance: Claim process

International Travel Insurance Blogs

Best shopping places in Nepal

Best shopping places in Switzerland

Best shopping places in Kenya

Frequently asked questions on baggage insurance

Is baggage insurance included in travel insurance?

How much compensation can I get for lost luggage?

Do I need luggage insurance for domestic travel?

How do I file a baggage insurance claim?

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