What is Baggage and Personal Effects?

What does “Personal Effects” mean?

Do I need Baggage and Personal Effects coverage?

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?

• 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

Baggage Loss FAQs

Imagine you are on a trip, and something unexpected happens to your belongings – your bags get lost, your things get stolen or damaged. You might be surprised to learn that AXA Travel Protection can rescue you. Let us dive into the details. 

Reporting is Key: 

If something goes wrong with your belongings – like if they are stolen – 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 claim to be processed. 

Protect, Save and Recover: 

When traveling, you must do your part to keep your belongings safe. If something happens to them, travel insurance will help, but you must show that you took steps to protect your stuff. 

What is Covered: 

AXA Travel Protection may reimburse you for the value of your stuff if they are 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. 

Limits and Special Things: 

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 plan selected.  

Policyholders can find this information in the schedule of benefits section of an AXA Travel Protection plan. 

When Your Stuff is Delayed: 

Imagine you have checked in your bags with a travel company, and they take a while to return them to you. 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. 

To Sum Up: 

Traveling is great, but sometimes things can go wrong. With AXA Travel Protection, you are not alone when your stuff gets lost, stolen, or damaged. Remember to report what happened, take care of your belongings, and know the limits of what the insurance will cover. It is like having a backup plan for your things when you are on the go. 

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

1. Notify AXA or 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.

Is Baggage and Personal Effects Coverage included in all AXA Travel Plans? 

Can I purchase Baggage and Personal Effects Coverage separately from a travel plan policy?

How to get a Travel Protection Quote