Lost baggage coverage in visitor insurance protects travelers if their checked luggage is lost, stolen, or damaged while traveling. Airlines and common carriers may offer limited compensation, which often isn’t enough to replace essential items. This benefit helps reduce financial stress caused by baggage mishandling. With proper coverage, you can travel with greater peace of mind knowing your belongings are protected.
Lost baggage can turn an exciting trip into a stressful experience. American Visitor Insurance offers visitor insurance plans that protect you if your luggage is lost, stolen, or damaged while traveling abroad. With our coverage, you can replace essential items like clothing, travel essentials, and personal belongings without paying out-of-pocket. Focus on enjoying your trip, knowing American Visitor Insurance has you protected every step of the way.
Travel insurance with lost baggage typically starts from $44 and can go up to $1033 per month, depending on the plan’s maximum coverage. The cost varies based on several factors, including the traveler’s age, selected coverage limit, and deductible amount.
The pricing shown below applies to travelers aged 18 to 79 and reflects one month of coverage. The cost varies depending on the traveler’s age and the selected maximum coverage amount.
| Plan name | Max coverage range | Deductible | Lost Baggage | Cost range |
|---|---|---|---|---|
| Patriot America Lite | $50,000 - $2,500,000 | $0 - $2500 | $50 per item, $500 maximum limit. | $44 - $337 |
| Patriot International Lite | $50,000 - $2,500,000 | $0 - $2500 | $50 per item, $500 maximum limit. | $29 - $214 |
| Patriot Platinum | $8,000,000 | $0 to $25,000 | $50 per item, $500 maximum limit. | $59 - $289 |
| Travel Medical Choice | $50,000 - $1,000,000 | $0 to $2,500 | $50 per article; $500 per occurrence | $94 - $1033 |
| Travel Medical Basic | $50,000 - $1,000,000 | $0 to $2,500 | $50 per article; $250 per occurrence | $57 - $528 |
| Diplomat America | $20,000 - $1,000,000 | $0 to $5,000 | $50 per article; up to a maximum of $250 | $63 - $353 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $0 to $5,000 | $1000 | $50 - $470 |
Source: AMERICAN VISITOR INSURANCE®
Lost baggage coverage is essential for travelers who want protection against lost, stolen, or damaged luggage.
Ideal for :Why it matters: With American Visitor Insurance, travelers can focus on enjoying their trip rather than worrying about unexpected baggage losses.
Yes, theft of baggage may be covered if it occurs during the trip and is properly reported to the airline or local authorities. Supporting documentation is typically required, and reimbursement is subject to the plan’s coverage limits and exclusions.
Yes, lost baggage coverage includes both per-item limits and a maximum policy limit. These limits vary by insurance plan and provider, which is why it’s important to review the coverage details carefully before purchasing. American Visitor Insurance makes it easy to compare these limits across multiple plans.
Yes, many visitor insurance plans available through American Visitor Insurance include lost baggage coverage for seniors and parents visiting the U.S. Coverage limits may vary based on age and plan selection.
Some visitor insurance plans may cover electronics such as laptops or cameras, but coverage is subject to per-item limits and exclusions. Reviewing the policy details is recommended before purchasing.
If your luggage is damaged by an airline or common carrier, some visitor insurance plans may reimburse repair or replacement costs, subject to policy limits and exclusions. Documentation from the airline is usually required.
Some visitor insurance plans offer higher coverage limits or additional benefits through upgraded plan options. American Visitor Insurance allows travelers to compare plans with varying lost luggage coverage levels.