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

9. Prescription medications and medical items

Losing prescription medicines in checked baggage can cause immediate health risks and usually prompts quick claims for emergency replacement. Many insurers and some airlines will reimburse reasonable costs to replace critical prescription drugs if bags are delayed or lost, but documentation is essential. Keep copies of prescriptions, pharmacy receipts, and a note from your prescribing clinician when possible. If you need a replacement while away, request an emergency prescription from a local doctor and keep the receipt along with any airline delay confirmation. File claims as soon as you can and include the airline’s delay or loss documentation plus the pharmacist’s receipt. Some insurers differentiate between over-the-counter items and prescription medications, so check policy language. If medications are life-sustaining, contact the insurer’s emergency assistance line; they may provide faster support or guidance for local substitution and reimbursement procedures.