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Travel Insurance for Lost Checked-in Baggage
Nov 16, 2023

Travel Insurance for Lost Checked-in Baggage: Financial Protection and Peace of Mind


Many of us have experienced the sinking feeling of arriving at our destination only to discover that our checked-in luggage hasn't. This inconvenience is not just about the loss of personal belongings; it also involves the financial burden of replacing them. This is where travel insurance steps in as a saviour.

Protection Offered By Bajaj Allianz For Lost Baggage With Travel Insurance Plans

Bajaj Allianz, one of the leading insurance providers, offers comprehensive travel insurance plans designed to safeguard you against such unforeseen travel disruptions. They provide coverage for lost checked-in baggage, mitigating the financial impact of such a mishap. With their comprehensive coverage, they promise to compensate you for the actual expense incurred for the purchase of new personal belongings. The amount is, of course, subject to the limits of the policy you choose. This way, Bajaj Allianz ensures you aren't left stranded due to your lost baggage. Claims are subject to terms and conditions set forth under travel insurance policy. *

The Benefits Of Having Baggage Coverage

Having baggage coverage as part of your travel insurance plan provides numerous advantages:
  1. Financial Protection

The primary benefit of baggage coverage is financial protection. In the unfortunate event of losing your checked-in luggage, the insurer will compensate you up to the limit specified in the policy. This can significantly reduce the financial burden of such a mishap. *
  1. Personal Belongings Replacement

In addition to clothes and personal effects, checked-in baggage often contains essentials and personal devices such as mobile, laptop, etc. The replacement of these items can be both costly and time-consuming. Baggage coverage ensures you can swiftly replace the necessities, thereby minimizing the disruption to your journey. *
  1. Peace of Mind

Travelling, whether for leisure or business, can get stressful. Having to worry about losing your luggage and the resulting financial implications only adds to this stress. Knowing that you have baggage coverage provides peace of mind, allowing you to focus on your journey and the purpose of your trip. *
  1. Broad Coverage

Many travellers assume airlines will cover the full cost of lost checked-in luggage. However, airline coverage is usually limited and subject to many exceptions. In contrast, baggage coverage under a travel insurance plan is often more comprehensive, offering a broader scope of protection. *
  1. Flexibility and Convenience

The convenience of having a one-stop solution for all your travel-related risks cannot be understated. With baggage coverage as part of your travel insurance, you have a single point of contact for all your claims, making the process more efficient and straightforward. *
  1. Extended Protection

While most airline insurances cover lost luggage during the flight, travel insurance provides a broader time frame, covering loss from the moment you leave home until you return. This extended protection period offers an added layer of security. * In summary, the inclusion of baggage coverage in your travel insurance plan provides a range of benefits, designed to protect you financially and offer peace of mind throughout your travels.

Claim Process For Lost Baggage In Your Travel Insurance Policy

  1. Inform the Airline

Report the loss to the airline immediately and get a Property Irregularity Report (PIR).
  1. Contact Bajaj Allianz

Reach out to the insurer and file a claim within the stipulated time after receiving the PIR.
  1. Submit the Required Documents

Provide documents like the PIR, insurance policy, and proof of belongings, among others.
  1. Claim Processing

The insurer will assess your claim and if approved, will compensate you as per the policy terms. Claims are subject to terms and conditions set forth under travel insurance policy.

Exclusions Of The Baggage Cover

  1. Valuables

High-value items like jewellery and precious stones are generally not covered. *
  1. Partial loss or damage

The policy does not cover the loss or damage of individual items in the baggage. *

Other Coverages Offered By Travel Insurance Plans

Apart from baggage loss, Bajaj Allianz travel insurance plans also cover:
  1. Emergency Medical Expenses

Covers medical costs in case of sudden illness or injury. *
  1. Trip Cancellation or Delay

Compensation for the financial loss due to trip cancellation or delay. *
  1. Loss of Passport

Covers the expenses incurred in obtaining a new or duplicate passport. *
  1. Personal Liability

Covers legal liability claims in case you accidentally cause harm to someone else or their property. * Claims are subject to terms and conditions set forth under travel insurance policy.


The answer to the question "what is covered in travel insurance" is the safety net provided against various unforeseen incidents that may occur during your travels, whether you're abroad or utilising domestic travel insurance. The coverage for lost checked-in luggage is a significant aspect of this safety net. By opting for a comprehensive travel insurance plan from Bajaj Allianz, you can ensure that your journey remains uninterrupted and stress-free, even in the face of adversities like losing your checked-in luggage.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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