Advisor Connect
Help Center
Contact Us
800-826-5248
United States
Canada
Hong Kong
JUMP TO
Baggage Coverage / Baggage Delay / Filing a Claim/ Testimonial
Baggage Coverage Benefit
Travel Guard’s Baggage Coverage can help ease the burden and stress of lost, stolen or damaged luggage by providing reimbursement for covered items.
What is Baggage Coverage?
Baggage Coverage is included on all Travel Guard travel insurance base plans, although on certain plans you can purchase higher benefit limits as part of a baggage upgrade. In the event your luggage is lost, stolen or damaged during your trip, Baggage Coverage can provide reimbursement for recovering or replacing covered personal items.
How do I use Baggage Coverage?
If your luggage is lost, stolen or damaged you can submit a claim to request reimbursement. Be sure to obtain the required documentation for your claim when necessary – like an incident or police report if your luggage is stolen.
Common Questions
Yes, there are limitations with regard to reimbursements for Baggage Coverage. These limitations vary by travel insurance plan and item. Jewelry, watches, furs and electronic devices have an aggregate coverage amount on most plans, and all items have a per-item limit. Details of Baggage Coverage and limits can be found in your Policy of Insurance.
While it is possible to file a claim on your baggage without a receipt, covered items costing over $150 without a receipt will not be reimbursed for more than $150.
When you’re looking at travel insurance plans, it’s important to understand what you are purchasing. The best way to do this is to read over the policy of insurance.
Baggage Delay
What is Baggage Delay coverage?
Baggage Delay is a coverage on your Travel Guard travel insurance plan that may reimburse you for the cost of purchasing certain necessary personal items when your luggage is delayed or misdirected for a significant period of time (the length of the delay varies by plan).
What kind of items are considered necessary personal effects?
Necessary personal effects are items such as clothing and toiletries that were in your luggage and necessary for your trip.
How do I use Baggage Delay coverage?
If you’re traveling and your luggage is delayed or misdirected, save the receipts of the necessary items you purchase. You can file a claim to request to be reimbursed for those essential items.
Common Questions
No, Baggage Delay is a separate coverage within your Travel Guard travel insurance plan, which may provide reimbursements for necessary personal items while your baggage gets to your intended destination.
The Baggage Delay benefit can only be claimed if the delay is caused by a common carrier. Other exclusions can be found in your travel insurance plan, which should be reviewed before heading off on your vacation.
Filing a claim for Baggage Coverage and Baggage Delay
What documentation do I need to file a claim for Baggage Coverage or Baggage Delay?
The specific documentation needed for your baggage claim will depend on the reason for delay/loss and the items you are claiming for. Below is a list of documentation that may be required.
- Travel Guard claim form
- Repair invoices for damaged baggage that you had repaired
- Incident reports
- Receipts for any claimed expenses
- Copy of homeowner’s or renter’s insurance
There may be additional documents required based on your specific claim. You can start the process of filing a claim online with our claims portal or you can call us directly if you have specific questions.
Reviews and Testimonials
We’ve used Travel Guard for all of our overseas trips for the past five years – and because of the people we interact with at Travel Guard – we will continue to use them for future trips. To a person – and consistently – they have been positive, friendly, patient, professional and extremely helpful in making sure we have the right coverages for the type of trips we’re taking. We’ve never processed a claim but I would imagine the folks in that area are of similar caliber. The peace of mind of having the coverage has substantially reduced the apprehensions associated with global travel.
-Mark A.
Get a travel insurance plan the way you want it!
Questions?
Call us at: 800-826-5248
Copyright © 2025, Travel Guard. Non insurance services are provided by Travel Guard.
Terms of Use | Privacy Policy | Accessibility Statement | Our Underwriter | Do Not Sell or Share My Personal Information | About AIG Ads | Cookie Policy
Coverage available to residents of U.S. states and the District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. Similar travel insurance coverage, offered by Travel Guard or another insurance provider, may be available through a variety of other sources, but may be subject to different terms and conditions (i.e. benefits, limits, exclusions, etc.). You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.