Traveling is a priceless experience, creating memories to last a lifetime. But even the best-planned trips can hit an unexpected snag. For example, lost luggage can quickly turn excitement into stress if you’re not prepared.
However, with the right coverage and a calm approach, lost luggage doesn’t have to derail your trip. Here’s how to protect yourself and what to do if it happens.
Before you travel, it’s important to understand what protections you already have in place. Many travelers are surprised to learn they may already have some coverage.
Your homeowners or renters insurance policy may provide coverage for lost luggage and personal belongings while traveling. However, this coverage often has limits and may not reimburse the full value of what was lost. Deductibles usually apply, which means you’ll pay some costs out of pocket before coverage kicks in. Before your trip, call your insurance agent to review your policy so you know exactly what’s covered and what isn’t.
Some credit cards include lost luggage coverage when you use the card to purchase your travel. These benefits often come with no deductible, making them a helpful backup option. Contact your credit card company ahead of time to understand eligibility, coverage limits, and documentation requirements.
If you travel frequently or are heading overseas, travel insurance may be worth considering. Travel insurance can cover a variety of unexpected situations, including lost, delayed, or stolen luggage. Look for policies that match your travel habits and the value of the items you’re bringing.
If your luggage goes missing during your travels, follow these steps to help resolve the situation as quickly as possible to get your trip back on track:
Lost luggage can be frustrating, but it doesn’t have to ruin your trip. Understanding your insurance options, packing smart, and knowing what to do if something goes wrong can help you travel with confidence.