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Credit cards with lost luggage reimbursement

Receive up to $3,000 for lost, stolen or damaged baggage.

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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 items. Fortunately, lost luggage reimbursement is a relatively common benefit, but coverage amounts can vary. Typically, you could receive $500 to $3,000 for qualifying incidents.

Which cards offer lost luggage reimbursement?

Many credit cards offer lost luggage reimbursement. The following are a few popular travel products with the benefit.

CardCoverageAnnual fee
Chase Sapphire Preferred® CardUp to $3,000 per person per trip$95
Chase Sapphire Reserve®Up to $3,000 per person per trip$550
United℠ Explorer CardUp to $3,000 per person per trip$0 intro annual fee for the first year, then $95
Citi Premier® CardUp to $3,000 per person per trip ($2,000 for New York residents); $10,000 max per trip$95
Citi Prestige® Credit CardUp to $3,000 per person per trip ($2,000 for New York residents); $10,000 max per trip$495
American Express® Gold CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$250 (see rates & fees)
The Platinum Card® from American ExpressUp to $2,000 (checked baggage) or $3,000 (carry-on) per person per trip$550 (see rates & fees)
Hilton Honors American Express CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$0 (see rates & fees)
American Express® Green CardUp to $1250 per person per trip$150 (see rates & fees)
Wells Fargo Propel American Express® CardUp to $1000 per person per trip$0
Delta SkyMiles® Gold American Express CardUp to $1250 per person per trip$99(see rates & fees)
Delta SkyMiles® Platinum American Express CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$250(see rates & fees)
Delta SkyMiles® Reserve American Express CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$550(see rates & fees)
Hilton Honors™ Aspire CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$450
Hilton Honors American Express Surpass® CardUp to $2000 (checked baggage) or $3000 (carry-on baggage) per person per trip$95
Bank of America® Premium Rewards® credit cardUnlisted$95
Southwest Rapid Rewards® Priority Credit CardUp to $3000 per person per trip$149
Southwest Rapid Rewards® Premier Credit CardUp to $3000 per person per trip$99
United℠ Explorer CardUp to $3000 per person per trip$95
Marriott Bonvoy Brilliant™ American Express® CardUp to $3000 per person per trip$450
British Airways Visa Signature® CardUp to $3000 per person per trip$95
Aer Lingus Visa Signature® Credit CardUp to $3000 per person per trip$95
Iberia Visa Signature® cardUp to $3000 per person per trip$95
The World of Hyatt Credit CardUp to $3000 per person per trip$95
IHG® Rewards Club Premier Credit CardUp to $3000 per person per trip$89 starting the second year
IHG® Rewards Club Traveler Credit CardUp to $3000 per person per trip$0
United℠ Explorer Business CardUp to $3000 per person per trip$95
Southwest Rapid Rewards® Premier Business Credit CardUp to $3000 per person per trip$99

The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

What is lost luggage reimbursement?

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.

What expenses does lost luggage reimbursement cover?

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 coveredExamples of what may not be covered
  • Jewelry
  • Watches
  • Cameras
  • Video recorders
  • Valuable papers
  • Money
  • Tickets
  • Checks

How to get lost luggage reimbursement

Travel-insurance providers usually offer lost luggage reimbursement. However, you can get the benefit at no cost with some travel credit cards. You don’t need to sign up for the service if you have a card that offers protection. You just need to be sure to understand the issuer’s guidelines and to properly file a claim within the time allotted to receive compensation.

How lost luggage reimbursement works

  • It applies to travel on common carriers.
    The definition of “common carrier” may vary by provider. It usually refers to public transportation that requires a paid ticket, such as airplanes, cruise ships and trains.
  • Pay for your travel fare with your credit card.
    Some providers require you to put only a portion of your fare on your card; others require you to put your entire fare on your card.
  • There is a limit to your coverage.
    The maximum benefit is usually $3,000 per covered person on each eligible trip. Some providers may set a per-trip maximum.

How can I use lost luggage reimbursement?

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.

  1. Report your lost baggage to your carrier immediately.
    Visit your carrier’s baggage reclaim or customer service desk. Get a copy of your loss report, as you may need it for your lost luggage claim.
  2. Contact your benefit administrator.
    You’ll find the contact information in your card’s guide to benefits. A representative will give you next steps. In some cases, you should simply submit a claim without calling. You may be able to submit your claim online at the website listed in your card’s guide to benefits.
  3. Submit your claim.
    Include a copy of the lost luggage report you received from your carrier, as well as other required documents.
  4. Wait for contact from your benefit administrator.
    You may need to complete additional documents, such as a Proof of Loss. Or you won’t need to submit more information, and your benefit administrator will contact you only after it approves or denies your claim.

Who gets to use lost luggage reimbursement?

Lost luggage reimbursement is usually available to you and your immediate family members.

Immediate family members might include your:

  • Spouse or domestic partner.
  • Children or stepchildren.
  • Legal guardians or wards.
  • Siblings or siblings-in-law.
  • Parents or parents-in-law.
  • Grandparents or grandchildren.
  • Aunts or uncles.
  • Nieces or nephews.

If you have a business credit card, the employees of that business may receive lost luggage reimbursement too.

Bottom line

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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