Baggage Insurance

Baggage Insurance, which can also be referred to as Baggage and Personal Effects, is a type of travel insurance coverage that offers to protect your personal belongings and luggage while you are traveling. It typically provides reimbursement for lost, stolen, or damaged items such as clothing, electronics, jewelry, and other personal effects. 

What does “Personal Effects” mean? 

Personal effects refer to items you privately own, including clothing and toiletries, and bring on your trip for intended purposes.  

Whether you're carrying valuable electronic items, jewelry, or just everyday essentials, Baggage and Personal Effects coverage can offer an extra level of travel protection, ensuring that unexpected mishaps with your luggage won’t derail the rest of your trip.  

Do I need Travel Insurance for Lost Luggage? 

Whether you need lost luggage travel insurance or not depends on your travel needs and preferences. If you are traveling with valuable items or have a lot of luggage, it may be a clever idea to consider baggage insurance to protect yourself against the risk of loss, theft, or damage. 

All three of our AXA’s Travel Policies Silver, Gold, and Platinum, include Baggage and Personal Effects Coverage.  

The coverage limits for lost luggage insurance under the three policies are: 

Silver 

Maximum Benefit: $750 
Per Article Limit: $150 
Combined Article Limit: $250 

Gold 

Maximum Benefit: $1,500 
Per Article Limit: $250 
Combined Article Limit: $500 

Platinum 

Maximum Benefit: $3,000 
Per Article Limit: $500 
Combined Article Limit: $1,000 

Article: Possessions are privately owned and used for personal use or enjoyment. Combined Article Definition Watches, Jewelry, Articles made of silver, gold, or platinum, Furs, Articles trimmed with or made mostly of fur, Cameras, and their accessories, including related equipment. All of these items are subject to the Combined Article Limit. 

Combined Article Definition: Watches, Jewelry, Articles made of silver, gold, or platinum, Furs, Articles trimmed with or made mostly of fur, Cameras, and their accessories, including related equipment. All of these items are subject to the Combined Article Limit. 

What are the benefits of Personal Effects coverage? 

Personal Effects coverage offers several key benefits to travelers. It provides reimbursement for lost, stolen, or damaged personal belongings, such as clothing, electronics, and valuables, during your trip. The coverage compensates based on  
 

• Actual cash value at time of loss, theft, or damage to baggage and personal effects 

• The cost of repair or replacement in like kind and quality up to the policy limit 
   

Additionally, Personal Effects coverage of baggage insurance may include special limits for high-value items, making it ideal for more expensive possessions.  

Other Travel Insurance Benefits: Trip Cancellation, Emergency Evacuation, Baggage Loss, Cancel For Any Reason, Trip Interruption, Medical Travel Benefit, Trip Delay 

Why choose AXA Travel Protection Baggage Insurance? 

AXA Travel Protection offers baggage insurance for both lost and delayed luggage as part of its travel insurance. Its Lost luggage insurance may reimburse you for the value of your stuff if it is lost, stolen, or damaged during your trip. They will consider the value of the things when they were lost, stolen, or damaged. If they cannot repair your items, they can pay for replacements that are similar in quality. 

However, AXA Travel Protection will not pay for everything, and some limits exist for valuable items like jewelry, watches, etc. Payment is up to a certain amount based on the protection. Policyholders can find this information in the schedule of benefits section of an AXA Travel Protection.  

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include: 
 

• Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency 

• 24/7 global team of travel experts that offers assistance and assurance while traveling 
   

Baggage Insurance FAQs 

1.Does travel insurance cover lost luggage? 

Yes, travel insurance often includes baggage insurance, which covers lost luggage. This coverage typically provides reimbursement for lost, stolen, or damaged personal items during your trip, including clothing, electronics, and other belongings, up to the policy's specified limits.  

2.What do you do if your luggage is lost internationally? 

If something goes wrong with your belongings – like if they are stolen or misplaced – you must report them to a few people. First, you should tell the local authorities where and what happened. Tell the tour leader if you are on a trip organized by someone else, like a tour. Then, notify your AXA travel insurance advisor. Reporting is essential for your lost luggage insurance claim to be processed.  

3.Can I claim travel insurance for delayed baggage? 

Yes, you can claim travel insurance for delayed baggage if your policy includes baggage delay coverage. This coverage can help you out if your bags are delayed for too long. They will cover you until the travel company finally gets your loads to you, or if they say your bags are lost – whichever happens first. 
 

4.My luggage has been lost or stolen. How do I file a claim? 

1. Notify AXA or an authorized representative as soon as possible. 
2. Take immediate actions to protect, save, or recover the property that has been affected. 
3. Inform the carrier (such as an airline), travel supplier, property manager, or anyone who may be responsible for the loss or damage. Provide a copy of this notification to AXA. 
4. If the loss or damage is due to robbery or theft, report it to the police or relevant authorities within 24 hours. Make sure to obtain a copy of the police report and provide it to AXA. 
    

Call our claims team: (888)-957-5015  

Monday-Friday 7:30AM-4PM Central Time  
 

5.Is Baggage and Personal Effects Coverage included in all AXA Travel Policies?  

Yes! Baggage and Personal Effects coverage is included in Silver, Gold, and Platinum travel policy. Coverage limits will differ based on the travel policy selected.  

6.Can I purchase coverage for lost or stolen luggage separately from a travel plan policy? 

Unfortunately, you cannot purchase lost luggage coverage separately from our travel policies. But our Silver is our lowest cost policy which includes Baggage Loss and Personal Effects, Trip Cancellation, and more. 

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