Are jewelry, electronics, and cameras covered?

Sub-limits apply — often $250–$500. Schedule expensive items separately on your home or contents policy.

Bag lost or delayed?

Does Travel Insurance Cover Lost Baggage? (US)

Yes up to a per-bag sub-limit ($500–$2,500). Airline pays first — travel insurance is secondary excess.

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The short answer

Comprehensive travel plans cover lost baggage at replacement cost minus depreciation, subject to per-item ($300–$500) and total ($1,000–$2,500) caps. Baggage delay pays for essentials after 12–24 hours ($200–$500). Airline liability under DOT rules pays first — travel insurance covers the excess.

Frequently asked

Are jewelry, electronics, and cameras covered?: Sub-limits apply — often $250–$500. Schedule expensive items separately on your home or contents policy.

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.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription