When a carrier loses your bags on a trip, it can be more than just an inconvenience — those bags may have been carrying hundreds, or even thousands, of dollars worth of goods. Fortunately, lost luggage reimbursement is a relatively common benefit, but coverage amounts can vary.
Lost luggage reimbursement compensates you if your baggage and its contents are lost, stolen or damaged permanently. It’s different from baggage delay reimbursement, which compensates you for essential purchases while a carrier has temporarily lost your luggage.
This insurance covers your checked and carry-on baggage, as well as the personal property within.
Here are common items lost luggage reimbursement might compensate you for. Expense eligibility may vary by provider. If you’re not sure, check your card’s guide to benefits or call your provider.
| Examples of what may be covered | Examples of what may not be covered |
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Travel-insurance providers usually offer lost luggage reimbursement. However, you can get the benefit at no cost with some travel credit cards. Check your card’s guide to benefits to see if your baggage is also covered against damage in addition to loss and theft.
You may be required to contact your benefit administrator within a certain time after loss of your baggage. You’ll also need to submit your claim within a certain time. Look for these due dates in your card’s guide to benefits.
Lost luggage reimbursement is usually available to you and your immediate family members.
Immediate family members might include your:
If you have a business credit card, the employees of that business may receive lost luggage reimbursement too.
It’s incredibly frustrating when your baggage is lost, stolen or damaged. But if you’ve paid for your trip with the right credit card, you can receive compensation for your trouble.
Other credit cards may offer different types of travel insurance. You can compare them here.
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