Baggage Insurance

Lost Your Baggage? Here’s How a Travel Insurance With Baggage Cover Has Your Back

Do you go on every trip worrying about the loss of your luggage or misplacement? Does a delay in receiving your checked-in baggage impact your itinerary and result in incurring financial losses? Have you been in a fix with damaged baggage after landing post an airline travel? If the answer to all these questions is yes, then you don’t have to buy a separate baggage insurance coverage, as GoIbibo’s travel insurance policy has got you covered.

Top insurers provide a travel insurance policy with baggage cover that protects the insured against financial losses arising out of loss or delay in receiving checked-in baggage. You can get this coverage easily online and make travel insurance baggage delay claim or loss claims in case of such unfortunate occurrences when travelling with a common carrier. Let’s check out more in detail.

Understanding Travel Insurance With Baggage Cover

Baggage cover is a type of travel insurance policy benefit in which a traveller’s checked-in baggage with the common carrier that they are travelling with is insured. This ensures freedom from worries regarding baggage handling for travellers, also assuring them with peace of mind and elimination of unnecessary expenses out of their pockets.

The travel and baggage insurance cover brings various specialised benefits like coverage for financial losses arising out of delays in receiving checked-in baggage on landing, complete loss of the baggage, permanent damage to the baggage, loss of personal belongings and the like.

The travel luggage insurance benefit under GoIbibo’s travel insurance policy also comes with certain exclusions to the coverage that you must know when purchasing travel insurance with baggage cover insurance benefits. The claim filing process is simple, too and requires you to submit the necessary documents issued by the common carrier for a successful claim.

How Does a Travel Insurance With Baggage Cover Work?

Once you purchase a travel insurance policy with baggage cover insurance benefits, the coverage starts from the commencement of the trip after the check-in of your luggage. The policy provides coverage against losses arising out of checked-in baggage loss, baggage damage or travel insurance delayed baggage. In case of such an unfortunate incident, you can raise a claim with the insurer regarding the specified loss with a certified letter from the airline.

The steps to make your claim include the following -

• Visit the official platform for travel insurance delayed baggage cover claims.
• Then, enter the mobile number with which the policy was purchased along with the policy number.
• Then, on the next page, follow the steps required to complete your claim submission along with the required document upload.

When making a claim for baggage insurance international travel insurance policy, the following documents are needed.

• A copy of the insured traveller’s passport with entry and exit stamps
• Boarding passes
• Total loss of checked-in baggage
• Property Irregularity Report or PIR from the common carrier
• Airline letter completely accepting the total baggage loss alongside details of compensation

Getting travel insurance baggage cover can be an essential step towards ensuring peace of mind when travelling. Such coverage is recommended even if going for a short-duration trip since it ensures you do not have to worry about your checked-in baggage handling.

Why a Travel Insurance With a Baggage Cover is a Smart Travel Companion

Travel insurance with baggage cover insurance benefits can be your smart travel companion for the following compelling reasons.

• It helps provide financial cushioning for the loss of valuable items stored in the checked-in baggage in case of travel insurance for lost luggage in transit.
• You do not have to bear any additional expenses out of your pocket in case of complete and permanent loss of baggage, as it is compensated under the policy.
• It hedges you against unnecessary worries that arise with baggage handling during transit.
• Any financial losses arising out of even a delay in receiving checked-in baggage are provided for under the policy.

Types of Situations under a Travel Insurance With Baggage Cover

There can be various situations under which a travel insurance policy with travel baggage insurance coverage benefits can be needed. Below are some specified scenarios.

• Complete loss of checked-in baggage
  In case you end up losing your baggage checked in with the common carrier completely during transit, coverage benefits under the policy can be claimed.
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• Delay in receiving checked-in baggage
  If there is a delay in receiving checked-in baggage during transit and results in loss based on your itinerary, damages sustained can be claimed under the policy.
• Theft during transit
  If the in-transit, checked-in baggage is stolen while you are travelling, claims are applicable under the policy.
• Loss of personal belongings in the baggage
  When receiving the checked-in baggage with complete loss of personal belongings stored inside, such losses can be claimed too.

Top 5 Countries where a Travel Insurance With Baggage Cover is a Must

If you are travelling to the following 5 countries, it is ideal to get travel and baggage insurance under a travel insurance policy from GoIbibo. Getting coverage here is suggestible and applies to other countries as well.

The USA

Going to the USA ideally requires you to get baggage cover insurance as the country has one of the highest numbers of travellers with a huge baggage handling load with common carriers, which increases the risk of luggage loss or damage.

Germany

Germany, a top Schengen country receiving a huge influx of travellers daily, is also a country where the risks of baggage loss, damage or delay remain high. As such, getting travel insurance with baggage cover during airline travel is recommended.

Malaysia

Malaysia is one of the most preferred destinations for both business and leisure travel from India. A hub for creatives too, Malaysia is likely to receive travellers who rely on their baggage as a work essential. Hence, getting a cover for checked-in baggage when travelling to the country is suitable.

The UAE

In the UAE, airlines are a preferred mode for international journeys, receiving millions of travellers daily. This also increases the baggage carrying load of common carriers, increasing the risk of loss, delays or damage, which can be minimised for the travellers with a suitable baggage cover.

Indonesia

When travelling to Indonesia, you may want to get a suitable baggage cover insurance policy since, as one of the top travelling destinations for Indians, it also carries a huge risk of checked-in baggage loss or damage.

Baggage Cover Insurance Inclusions & Exclusions

The following are the common inclusions for travel insurance policies with baggage cover insurance benefits that ensure a traveller remains worry-free of any losses when checking in their luggage with a common carrier.

• Complete loss of baggage by the common carrier
• Irreparable damage to baggage by the common carrier
• Delay in receiving baggage resulting in loss due to the scheduled itinerary

Thus, in case you wonder this question: ‘Does travel insurance cover lost luggage or damaged baggage?’ Then the answer is affirmative.

Also, certain exclusions to the policy include the following -

• Losses or destructions that are liable to be paid and refunded by the common carrier
• Losses of valuables, securities of any type, tickets or money
• Partial loss of checked-in baggage or impermanent loss, except when specified
• Alleged or actual loss of baggage arising out of confiscation, destruction or detention by the police, public authority or customs

Who Should Opt For Travel Insurance With Baggage Cover?

Below are some different types of travellers who should opt for a travel insurance policy with baggage cover insurance benefits for financial protection against loss of goods they have checked in during the journey.

Frequent flyers

If you are a frequent flyer, baggage cover insurance benefits under travel insurance can ensure you do not have to worry about out-of-pocket losses related to any unfortunate checked-in baggage loss from the common carrier. This helps you keep your mind off the worries, providing peace while travelling.

Occasional travellers with heavy luggage

Occasional travellers should also ideally get baggage cover insurance if they are carrying heavy luggage, as the risk of baggage loss or damage can be greatly disappointing. Add to it the stress of financial burden due to such losses. To ensure a trip free from such hassles, travel insurance with baggage cover insurance benefits is recommended.

International travellers

When travelling internationally, the risk of checked-in baggage loss increases immensely as multiple common carriers may be involved on a single trip. As such, a baggage cover insurance in place ensures travellers can enjoy their trips abroad without the woes of losses sustained due to baggage misplacement, loss or damage.

Travellers with layover or stopover tickets

If you have an airline ticket that has a layover or a stopover at one or more cities, baggage cover insurance is highly recommended as the transfer of in-transit, checked-in baggage during such scenarios increases the risks of damage or loss.

Travellers carrying important goods

Travellers who have checked in their baggage carrying important goods should ideally get a baggage cover insurance policy, which should provide the necessary cushioning for steep financial losses incurred due to loss, damage or delay of such baggage.

Buying Travel Insurance in India via Goibibo

The process to buy a travel insurance policy with baggage cover insurance benefits in India is simple, as you can do so via the online portal of GoIbibo. Simply, complete the steps given below to purchase your travel insurance policy with baggage cover insurance and avail of financial cushioning.

• Visit the official website or app of GoIbibo and go to the ‘Insurance’ page.
• On this page, open ‘Travel Insurance’.
• Once you have found this coverage, proceed to provide personal and required details.
• You can then pay the premium amount to complete the policy purchase.

The process to buy baggage cover insurance is simplified more than ever with an easy-to-use interface of GoIbibo. Also, this standard coverage makes sure you do not suffer financial losses arising from in-transit, checked-in baggage unnecessarily. So, if you are wondering: ‘does travel insurance cover damaged luggage?’, the answer is yes.