Does travel insurance cover lost luggage?

Yes. Travel insurance covers lost, stolen, or damaged luggage and personal belongings. It also covers baggage delays, reimbursing essential purchases like clothing and toiletries.

• Baggage insurance reimburses you for the depreciated value of lost belongings (not full replacement cost) 

• Coverage limits typically range from $2,000 to $5,000 per person 

• Baggage delay coverage: reimburses essential purchases (toiletries, clothes) after a specified waiting period (typically 12-24 hours) 

• Some policies exclude expensive items like jewelry, electronics, or sports equipment — check your policy 

• Homeowners or renters insurance may also cover theft of baggage worldwide 

You may also like: Can I get compensation for lost luggage?

Official resource: U.S. Department of Transportation

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