Travelling can be an exhilarating experience, but the possibility of losing luggage can quickly turn it into a nightmare. Fortunately, many travellers opt for travel insurance to provide financial protection in such unforeseen circumstances. However, understanding the coverage for lost luggage and the time limit for filing a claim is crucial to ensure a smooth claims process. In this article, we will explore whether lost luggage is covered under travel insurance and whether there are any time limitations for filing a claim.
Last week, I took a connecting trip from Singapore to New Zealand from Mumbai. Unfortunately, the airline misplaced my bags. Does my travel insurance cover missing luggage? Does a time limit for making a claim exist? Are there any exclusions I need to be aware of as well?
The worst way to begin a journey could be with lost or delayed luggage. In this situation, your checked-in baggage insurance coverage will help if you misplace your luggage. As part of the travel insurance coverage, the insurance provider will assist the traveller in receiving the claim amount as compensation for lost checked-in baggage. For instance, your insurance will pay you 1/3 of the total amount insured if one of your three checked bags is lost. Claims are subject to terms and conditions set forth under the travel insurance policy. *
One should also file the claim when they learn their checked-in luggage has been lost, ensuring they have the airline’s documentation proving the loss. For a swift and successful travel claim reimbursement, submitting a few papers, such as a photocopy or original boarding pass identifying the journey dates, the traveller’s authentic tickets, luggage information, and evidence of purchase for certain electronics or digital devices, is also advised.*
Every claim made under the insurance for any occurrence must be supported by an actual ticket, boarding pass, or passport photocopy that includes the travel dates for all the trips involved. In the event of a total loss, the insurance provider will pay for the checked baggage’s market value. The insurer will authenticate the claimant’s claim status and reimburse the maximum amount permitted under the benefit’s policy coverage following the verification procedure. Claims are subject to terms and conditions set forth under the travel insurance policy.*
However, One should be aware that if they get their lost luggage and find that certain items are missing from it, their international travel insurance from India policy will not reimburse the partial loss. Additionally, passengers are strongly recommended to carry such things in their hand luggage. Thus, the loss of items like laptops or cameras must be covered.*
When it comes to lost luggage and travel insurance, it is essential to review the policy terms and conditions carefully. While travel insurance generally offers coverage for lost luggage, the specific details may vary depending on the policy and insurance provider. Additionally, it is crucial to be aware of any time limitations for filing a claim, as late claims may not be accepted. By familiarising yourself with the coverage and adhering to the claim filing deadlines, you can increase your chances of receiving compensation for your lost belongings. Claims are subject to terms and conditions set forth under the travel insurance policy.*
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
