11 Types of Lost Baggage Coverage You Can Claim (What To File & How Much)

2. International airline liability differences

International travel often introduces different liability rules than domestic U.S. flights. Many international flights are subject to international treaties that set carrier liability for lost or damaged baggage. The treaty limits and compensation rules can differ from domestic DOT guidance, and are often expressed in Special Drawing Rights (SDRs) or local currency. Because of that, payout calculations may vary and require currency conversion. Filing windows and documentation expectations for international claims can also be different, so report missing bags immediately when you land. Keep all travel documents, including your passport, boarding pass, baggage receipts, and any customs forms you received. Airlines will generally require you to submit a written claim and to provide proof of the value of items. If you have travel insurance, a separate claim may be possible under your policy, which can top up airline limits. Don’t assume amounts are the same across routes; check the airline’s international baggage rules and, where applicable, consult the treaty text referenced by the carrier. If you feel unclear, contact the airline’s customer resolutions desk and your travel insurer to confirm how coverage applies across jurisdictions.