Is my baggage covered with expat travel insurance?
Baggage cover is available with expat travel insurance, but it depends on the plan you choose. Both baggage delay and baggage loss or theft are included on the Standard and Comprehensive plans. However, they are not included on the Basic plan, which is a medical-only product covering emergency treatment and evacuation.
What isn’t included with travel insurance baggage cover?
There are some important exclusions that apply to baggage claims:
- If baggage loss or theft is not reported to the police, as a written report from the relevant authorities is required to support a claim
- Unattended baggage. Cover does not apply to belongings left unattended
- Loss or damage to mobile phones – mobile phones are excluded from baggage cover across all plan levels
Choosing the right baggage protection plan
If baggage protection matters to you, the Standard plan is the entry level for that cover. The Comprehensive plan includes all Standard benefits alongside cancellation and curtailment, providing the broadest level of protection for your trip overall.
Always review the full policy wording for the complete terms and conditions that apply to baggage claims.
Expatriate Group’s expat travel insurance gives you the flexibility to choose the plan level that matches what you need to protect when you travel.
