Baggage Insurance

What is Baggage Insurance?

Baggage insurance is a benefit under travel insurance that protects your personal belongings from any damage or loss while travelling. Overall, the baggage insurance policy protects the insured’s checked-in baggage from any damage or loss caused during the flight or by the airline staff. It also provides coverage for any delay in the arrival of the checked-in baggage by the airline in the form of reimbursement of any expenses incurred on essential items such as clothes, toiletries, and medicines.

Why Choose a Baggage Insurance Policy?

Baggage insurance helps you secure your belongings during your trip. Here are a few benefits that a Baggage insurance policy serves you:

Compensation for Lost Luggage: The foremost benefit of buying baggage insurance is that it compensates if you lose one or all of your checked-in baggage during the trip.

Compensation for Delayed Luggage: If your baggage gets delayed at the receiving counter and you suffer losses, your baggage insurance shall compensate for the expenses incurred.

Helps You to Travel Stress-free: While you take a flight, your luggage and belongings are kept in a cargo hold. When your luggage is not with you, the chances that it can get lost or get delayed in reaching you increase significantly! However, you do not have to worry if you have baggage insurance.

Types of Baggage Insurance 

Baggage insurance coverage and costs can vary between providers and policies. It is important to compare different options and choose the one that best suits your travel needs and budget.

• Single-Trip Baggage Insurance: This type of insurance provides coverage for your baggage, specifically for a single trip.
• Multi-Trip Baggage Insurance: This type of insurance offers coverage for your baggage over multiple trips within a specified period.
• Baggage Insurance for Specific Items: This type of insurance is designed to cover specific valuable items within your baggage, providing additional protection beyond standard baggage insurance.

Should You Buy an Independent Baggage Insurance?

At Care health insurance, we provide coverage for baggage insurance as a unique coverage within our travel insurance. Thus, if you’ve purchased travel insurance from Care Health insurance, you do not necessarily have to buy independent baggage insurance. However, suppose you have purchased a travel insurance plan with limited or no coverage for baggage loss. In that case, you may ask your insurer to add coverage for your essential and expensive luggage.

What is Covered Under Baggage Insurance Plan?

You should always check out the coverage before buying baggage insurance for an international flight. The coverage offered by Care Health Insurance includes:

Loss of Checked-in Baggage: Your travel luggage insurance compensates for your lost baggage once the common carrier accepts the liability.

Delay in Receiving Checked-in Baggage: Suppose you reach the destination and your luggage doesn’t arrive for over 12 consecutive hours. In such a case, your baggage insurance will compensate for the losses incurred during that period.

Loss of a Portion of Checked-in Baggage: Suppose you submit three bags at the check-in counter however, at the destination airport, you receive only two bags. In such a case, your baggage insurance will proportionately compensate for the lost portion of your luggage.

Loss of Expensive Checked-in Baggage: We value what’s valuable to you. Thus, our baggage insurance covers the loss of expensive luggage (cost above ₹5000). To avail of the benefit, you must submit proof of ownership and the baggage cost when making a claim.

Coverage for Checked-In luggage Round the Trip: The baggage insurance ensures you remain worry-free while travelling abroad. Thus, the baggage insurance covers your luggage from the time you get your luggage checked until you are back to your home country, India.

The above-mentioned inclusions of the baggage insurance are for reference purposes only. For complete details on the plan, please read out the Explore policy documents and refer to benefits 13 & 14 or connect with your insurance agent today.

What is Not Covered Under Baggage Insurance?

Below-mentioned are a few situations when you can not file a claim under the baggage insurance policy:

Refused Baggage Liability: Baggage insurance bought from Care Health Insurance shall not be liable to pay the claim for loss of checked-in baggage if the common carrier refuses to admit the liability.

Restricted Wait Time: The travel insurance with delayed baggage cover shall not reimburse claims if the checked-in baggage is delayed under 12 hours.

Security Related Delay: Any losses claimed under delayed checked-in baggage wherein the delay has been caused due to detention or confiscation of baggage by any security reasons shall not be covered under the baggage insurance.

Self-Carried Baggage: The baggage travel insurance shall not cover claims made upon loss of self-carried baggage.

Unattested Items: The lost luggage insurance shall cover only up to 50% of the original cost of an expensive item above ₹5000 if the proof of ownership and cost of the item is not attested with the claim form.

Loss of Consumables: The baggage insurance shall not cover loss of consumables if any are in the luggage.

The above-mentioned exclusions of the baggage insurance are for reference purposes only. For complete details on the plan, please read out the Explore policy documents and refer to benefits 13 & 14 or connect with your insurance agent.

What is the Eligibility Criteria For Buying Baggage Insurance?

Anybody travelling to an overseas country can buy a baggage insurance policy. But, to file a claim, one should meet certain eligibility criteria mentioned below:

• You should possess proof that your lost baggage was entrusted to the staff of the common carrier.
• You should possess proof that the common carrier has accepted the liability and has paid a fraction of the loss.
• If the cost of the loss of your checked-in baggage is more than ₹5000, then you should possess a receipt of the cost of the item (or the bills) as proof.

How to Buy Baggage Insurance Online?

There is no specific baggage insurance policy, but there is an add-on that is mostly covered by various travel insurance. You should always check with your policy details before buying the best travel insurance. Given below is the step-by-step process to buy baggage insurance:

Step 1: Visit the company’s travel insurance webpage.

Step 2: Enter your phone or email address. Click on “Get Quote” to proceed further.

Step 3: Select your travel destination and trip duration.

Step 4: Enter the age and number of insured persons.

Step 5: Enter your contact information. You will receive a quote for your trip. 

Things to Keep In Mind While Buying Baggage Insurance

If you are purchasing baggage insurance or travel insurance with delayed baggage cover from Care Health Insurance, here are some things to keep in mind:

• Carefully read and understand the baggage insurance plan’s coverage to avoid any surprises.
• Read the plan's terms and conditions to understand the claim filing conditions.
• Make a list of all baggage to be insured under the baggage insurance to secure your luggage for your international trip.
• If you travel with expensive baggage, add an appropriate premium for comprehensive coverage.

How to Choose The Best Travel Insurance With Delayed Baggage Cover?

To ensure your luggage remains safe during an overseas trip, it is important to cover it with baggage insurance. However, you do not have to buy lost luggage insurance separately if you have covered your trip with Care Health Insurance’s international travel insurance. While planning to buy travel insurance with baggage insurance, you should keep the following things in mind:

• Select an appropriate sum insured within your travel insurance to ensure coverage for all your luggage.
• Check for all the coverage and ask your insurer whether you can get add-on benefits for your unique needs.
• Look out for the exclusion within the plan carefully. Also, remember to compare baggage insurance provided under various travel insurance plans and choose from the most suitable plan.
• Look out for the insurer’s claim settlement ratio and check the customer’s review before making the decision.