I am traveling with expensive items, will travel insurance cover them?

Last Updated: January 2, 2015May 24, 2023

Short Answer

Most travel insurance policies come with Baggage and Personal Items Loss coverage, however, this benefit is typically limited and the amount of coverage may not be enough for expensive items. 

More Detail

Baggage and Personal Items Loss is a benefit included within most travel insurance policies. This benefit provides reimbursement for items that are lost, stolen, or damaged while traveling.

Typically, Baggage and Personal Items Loss has a per-person benefit amount, and can also have limits for the amount reimbursed per item, and per specific items. Specific items are outlined in the policy, and typically include expensive items such as jewelry, furs, cameras, electronics, etc. Additionally, policies may exclude some items from coverage.

As the Baggage and Personal Items Loss benefit typically has limited coverage, we recommend insuring expensive items valued at $1,000 or more through other sources, including your homeowners or renters insurance, or through the credit card the items were purchased with.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!