Baggage and personal effects coverage provides reimbursement for the replacement or repair of your luggage and personal belongings if they are lost, stolen, or damaged during your trip.
What is covered?
- Lost luggage (by airline or other carrier)
- Stolen bags and personal items
- Damaged luggage and contents
- Essential items purchased due to baggage loss
What are the limits?
Most policies set a per-item limit and a total limit for all belongings. High-value items like electronics, jewelry, and cameras may have lower individual limits unless you add specific coverage. Always check your policy’s schedule of benefits for exact amounts and any item-specific restrictions.
Keep receipts for valuable items you travel with - they make the claims process much faster.
Sitata's travel insurance is so much more
Every plan includes 24/7 chat assistance, real-time safety alerts, telemedicine, flight tracking, and fast digital claims.
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