Bag never arrived?
Lost Luggage Claim: What Travel Insurance Pays
Airline pays first, travel insurance fills the gap. See per-item and total limits in 60 seconds with PolicyPal.
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The short answer
Airlines pay first (Montreal Convention / EU rules cap them around $1,700–$1,900 per passenger for international). Travel insurance fills the gap and adds delay benefits, but never duplicates what the airline already paid.
Per-item limits
Most policies cap individual items at $250–$500 — bad news for electronics. Higher per-item limits or a scheduled rider help.
- Get airline Property Irregularity Report (PIR) at the airport.
- Keep all receipts for delay-period purchases.
- Photograph remaining contents on return.
Frequently asked
- How much will I get for a delayed bag?
- Travel insurance typically pays $100–$200 per day after 12–24 hours of delay, up to a cap, for essentials.
- Are electronics covered if lost?
- Yes, but per-item limits often cap them at $500. High-value devices need a scheduled add-on.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.