Credit cards with lost luggage reimbursement |

Credit cards with lost luggage reimbursement

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

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.

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 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 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.

  • American Airlines lost luggage reimbursement.
    Eligible Citi American Airlines cards will reimburse you up to $3,000 per person per trip, but up to $2,000 if you’re a New York resident. The maximum coverage per trip is $10,000.
  • Delta lost luggage reimbursement.
    Eligible Delta cards from American Express will reimburse you up to $500 to $1,250 per person per trip, depending on whether baggage is checked or carry-on and when it’s lost.
  • Southwest lost baggage reimbursement.
    Eligible Southwest cards from Chase will reimburse you up to $3,000 per person per trip.
  • Visa, Mastercard and American Express.
    Visa offers the benefit with its Infinite cards and select Signature cards. You’ll receive up to $3,000 in coverage per person per trip, but only up to $2,000 if you’re a resident of New York. However, the coverage might not apply to baggage damage; check your card’s guide to benefits to be sure.

With Mastercard, you’ll find the insurance with many World and World Elite cards. It offers $3,000 of coverage per person per trip —$2,000 for residents of New York — with a maximum of $10,000 per trip. As with Visa, check your card’s guide to benefits to see if your baggage is covered against damage as well.

American Express offers its Baggage Insurance Plan, which compensates you for lost, stolen or damaged baggage. Many of the provider’s cards offer this benefit, including the Amex EveryDay® Preferred Credit Card.

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$450
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)
Amex EveryDay® Preferred Credit CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$95
Hilton Honors American Express CardUp to $500 (checked baggage) or $1,250 (carry-on baggage) per person per trip$0 (see rates & fees)

Compare credit cards with lost luggage reimbursement

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
Earn 90,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
Earn 50,000 points after spending $10,000 and an extra 35,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
1.5% discount when you pay early
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees

Compare up to 4 providers

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.
  1. 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.
  2. Submit your claim.
    Include a copy of the lost luggage report you received from your carrier, as well as other required documents.
  1. 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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