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Baggage Insurance - 2023 Review

Baggage insurance will typically consist of two types of baggage or luggage protection:

  • baggage delay, and
  • baggage loss.

Baggage insurance, or luggage insurance, reimburses you for lost, stolen, or damaged luggage and personal items.

This baggage coverage is for the duration of your entire trip, not just your flight. Consequently it makes sense to cover the whole trip from start to finish.

Baggage Insurance | AARDY.com

In addition to protecting the value of your luggage and personal effects, luggage insurance can also assist and reimburse you if your credit cards or passports are stolen.

It's important to have Luggage Insurance for your luggage for your entire journey because airlines offer limited protection for your checked baggage and do not cover your carry-on items. They may also exclude certain things, such as jewelry or sports equipment.

Baggage Insurance – Per Article Limit

Baggage Insurance has a per-article limit shown on your plan, along with a combined maximum limit for items such as the following:

  • jewelry
  • watches
  • articles consisting in whole or in part of silver, gold or platinum
  • furs
  • articles trimmed with or made mostly of fur
  • sporting equipment
  • ski equipment
  • personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.

Baggage insurance also covers baggage delay. The policy includes delayed bags for the outbound journey, but not the return flight. Baggage delay benefits reimburse you for the added expense of necessary personal effects if the airline delays or misdirects checked luggage longer than the allowed amount of time.

Baggage Insurance – High-Value Items

If you are traveling with anything highly valuable or expensive, it’s worth considering purchasing the appropriate level of baggage insurance.

Many of our Cruise Insurance 101 Insurance Carriers will allow you to upgrade your level of baggage protection to ensure you get the coverage that meets your needs.

However, our advice is to travel with as few valuable items as possible. Travel creates more opportunities for loss to happen, so only take things you really need.

Baggage Insurance – Never Lose Luggage Again

As to bag loss, we have an excellent tip that involves placing business cards inside every bag - you will never lose luggage again.

At Cruise Insurance 101 we recommend everyone consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.

What many people do not know is that they won’t find the same trip insurance plans available at a better price. The US has anti-discrimination laws that require insurance costs to be the same, whether you buy from the insurer or a marketplace like Cruise Insurance 101.

Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?

In short, a trip insurance quote for an insurance plan at Cruise Insurance 101 is the same price you see from the insurance carrier direct. We are not allowed to compete on price for ‘filed’ insurance products. No one is. You are garanteed to get the best value from us.

Safe travels.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Trustpilot reviews image
George Gray
Trustpilot 5 star rating
21 days ago
agent was great

agent was great. Articulate, knowledgeable, friendly, took time to answer an explain questions.u

Trustpilot 5 star rating
22 days ago
Online quotes where quick

Online quotes where quick, provided a lot of flexibility in editing. Also liked the email confirmation of the quotes and the links to go back to the online quotes. Online info provided access to the policy details, which were helpful in making a final determination. Only uncertainty is, we have two travelers signed up in one policy, yet only 1 ID Card was provided. Have an open inquiry pending.

Trustpilot 5 star rating
25 days ago
Very good experience.

Tina was very helpful and patient with all of my questions.