11 International Travel Insurance Benefits You Must Check

7. Baggage and personal effects protection

Baggage protection reimburses you for lost, stolen, or damaged luggage and personal items during travel. Policies usually have per-item limits and often exclude high-value items unless declared or insured separately, so check the fine print if you carry laptops or camera gear. Baggage delay benefits also pay for essential purchases when your bag arrives late; an insurer may reimburse a set daily amount for toiletries and basic clothes. Always file a report with the carrier immediately if luggage is delayed or lost, and keep the carrier’s property irregularity report and receipts. Airline liability and travel insurance differ: airlines have limits and strict filing windows, while travel insurance can supplement those limits. For high-value electronics, consider a specific riders or using homeowners/renters insurance with travel coverage. Keep digital copies of receipts for major items and photograph contents before you travel to simplify claims.