Whether you’re traveling halfway around the world or going home to visit family for the holidays, you’re careful to pack the essentials so you have everything you’ll need for your trip. But what happens if your bags are lost, stolen, damaged or delayed? Without a backup plan, you may find yourself a long way from your home without a change of clothes, your valuables or even a toothbrush.
This is why having Travel Insured International by your side can give you peace of mind. Our coverage can reimburse you for the cost of your stolen or damaged belongings while on the road. If your baggage is held up due to an airline mistake or other unforeseen circumstances, we can even provide you with reimbursement for essential items such as toiletries and clothing so you don’t have to focus on the cost. Since 1994, we’ve been helping travelers just like you navigate the unexpected with less worry. Whether you’re traveling for business or pleasure, you deserve to travel with confidence. Let us help provide you with the coverage you need before you leave.

Please Note: Each of our Worldwide Trip Protector plans include the Baggage Delay and Baggage & Personal Effects coverages described below, as well as Trip Cancellation and Interruption and Medical Expense and Medical Evacuation.
Your homeowner's insurance may not cover costs for baggage loss, and may not reimburse you for items such as new clothing that you must purchase in case of baggage delay. Travel Insured can help to cover these unexpected circumstances.
If you’ve packed essentials in your carry-on, you may not need to utilize the baggage delay benefit. This is because baggage delay coverage is designed to account for necessary items that are delayed in your checked bags. For instance, if your delayed checked luggage contains event-specific attire, essential medications, or items critical to your trip, the coverage allows for reimbursement up to the plans maximum benefit amount for necessary replacements you need to buy.
This benefit could help even very well-prepared travelers in unforeseen circumstances. Remember to keep receipts for any additional purchases, as they will be needed during the claims process. This benefit helps you adapt to unexpected delays while maintaining your comfort and travel plans.
No, there is no deductible for this benefit. You can be reimbursed for eligible expenses up to your plan’s maximum benefit amount, helping with any out-of-pocket costs.
No, baggage delay coverage is included as part of our extensive travel protection plans. It cannot be purchased on its own. However, including it in a full plan helps you benefit from additional protections like trip interruption coverage and medical expense coverage, providing a safety net for your journey.
Travel Insured International offers optional bundles to increase your coverage limits. For example, with the Worldwide Trip Protector Platinum plan, you can purchase the Optional Baggage Bundle, which adds $2,500 to the maximum benefit amount (bringing the total to $5,000) and increases the per-article limit from $250 to $500. This bundle also adds coverage for sports equipment, golf equipment, and business equipment.
The cost of travel protection with baggage coverage varies depending on your plan and any optional bundles you choose. Basic Baggage & Personal Effects coverage is included in most plans. If you need more coverage – for items like business or sports equipment – you can buy an optional bundle. For example, the Optional Baggage Bundle increases your limit to $5,000. These optional upgrades come with an added cost. Pricing depends on your trip details, so we recommend getting a quote to discover the cost for your trip.
The cost of travel protection with baggage coverage varies depending on your plan and any optional bundles you choose. Basic Baggage & Personal Effects coverage is included in most plans. If you need more coverage – for items like business or sports gear – you can buy an optional bundle. For example, the Optional Baggage Bundle increases your limit to $5,000. These optional upgrades come with an added cost. Pricing depends on your trip details, so we recommend getting a quote to discover the cost for your trip.
Travel Insured offers an insurance benefit called “Baggage Delay.” If your checked luggage is delayed for a predetermined specific time period after you arrive at your destination, (typically 3, 6, or 12 hours, depending on your plan) you can be reimbursed for necessary items you need to buy while you wait. These include basics like clothing, toiletries, and other personal essentials. This benefit is especially helpful when bags don’t arrive on time, and you need to attend an event or continue traveling. Just keep your receipts for when you submit a claim.
Yes. If your baggage is damaged during transit – such as by an airline – Travel Insured International may cover the loss. You should first file a claim with the airline, as they are often responsible for the damage. After that, you can file a claim through travel insurance to recover any remaining costs not covered by the airline. This can include damage to clothing, personal items, or certain valuables. Remember, reimbursement is subject to your plan’s maximum benefit amount. For higher-value items, you may want to purchase one of our plans that offers an optional bundle for added coverage. (Additional cost and terms apply.)
Coverage and benefit eligibility may vary by state.