Does your credit card include luggage insurance? Find out here

On November 25, 2024By Pranco

Travel credit cards are useful if you travel often because they are specifically designed to provide extra rewards and insurance while traveling. One of the most important aspects of traveling is luggage. Your luggage may be moved or stolen. This could be an unfortunate incident. However, with baggage insurance offered through credit cards, you can get some compensation.

Different types of luggage insurance on credit cards

Cancellation or interruption of the trip: If your credit card including trip cancellation or interruption insurance, you can get coverage for lost or delayed baggage as part of the general coverage.

Lost luggage: If your luggage is lost, stolen or damaged during a flight after check-in, your credit card will cover the loss. However, to take advantage of this coverage, you must purchase airline tickets via credit card.

Delayed baggage: If your checked baggage is delayed 6 to 12 hours, your credit card will cover the costs emergency and essential items.

To find out if your credit card offers baggage insurance, you should check the terms and conditions of the credit card on the bank’s website or call customer service.

3. Documents: Keep your essential documents, such as airline tickets, luggage claim slips, boarding passes, etc., to claim coverage for lost, damaged or delayed baggage.

4. Coverage: Each card has different limits for covering lost or delayed luggage. Make sure you read your credit card’s guidelines to take full advantage of its benefits.

5. Claim: Before you travel, make sure you understand the lost luggage claim process as it may vary from bank to bank. Doing this will help you get your refund on time without any confusion.

In short, you may unexpectedly lose your luggage. In such a case, luggage insurance can help you recover damages. Several credit cards offer such insurance as part of travel insurance. Make sure you are aware of the process and terms of claiming baggage insurance to take full advantage of your credit card.