Travel Insurance Benefits

Baggage Insurance

Definition: “Baggage insurance” is a general term for travel insurance benefits that can protect your bags and possessions while you’re traveling. If your travel insurance plan includes baggage benefits, your insurer can reimburse you, up to the maximum shown on the Confirmation of Coverage, for covered loss, theft or damage to your baggage and personal effects. Certain exclusions may apply, and all losses must be reported to the airline, airport, police or other relevant authority.

To find out if your travel insurance plan includes baggage insurance benefits, read your policy documents and contact Allianz Global Assistance with any questions.

Example: On your epic National Parks road trip, you return to your car after hiking in Bryce Canyon and make an unpleasant discovery. Someone broke into your car and stole all your brand new camping gear! What are you going to do?

Baggage loss/damage benefits can help. Your travel insurance provider can reimburse you for the actual cash value of your belongings, less depreciation, or the cost to replace them (whichever is less), up to the maximum benefit. You’re in luck: You still have the receipts for your things, which makes it super easy to file a claim. Now you can purchase new gear without blowing your budget.

Available in: OneTrip Basic Plan, OneTrip Prime Plan, OneTrip Premier Plan, OneTrip Rental Car Protector, OneTrip Emergency Medical Plan, AllTrips Basic Plan, AllTrips Executive Plan, AllTrips Premier Plan

Further Reading

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.