Baggage and Personal Effects

FAQ's

Question:  what does the small, raised, number ² mean when I see it next to the baggage limit?

Answer:    it means that the baggage coverage is secondary to any other insurance that you might have that covers the same loss.  In practice this means that you have to submit your baggage loss or damage claim to your homeowners or tenants policy first before the travel insurance company will adjust your claim. 

Question:  What is actual cash value?

Answer:  Actual cash value is the current value of a piece of property at the time of loss.  Some companies will determine that value by taking either the current retail value or the actual cost at purchase of the item and then applying depreciation based on industry standards.

Helpful Tips

One of the most frequent complaints involve baggage claims being denied.  The number one reason being lack of documentation on the insured's behalf.  Remember, in the event of a claim the burden of proof is always on you.  Here's some tips to help better protect you.  

Take an inventory of all your items before you travel.  An easy way to do this is to take a picture.  Always notify the proper authorities; police- file a police report, airlines- filling out a baggage irregularity form.  Always get it it writing.  When it comes time to file a claim, you'll be glad that you did.