Baggage & Personal Effects Coverage
Lost, stolen or damaged luggage can turn any trip into a stressful experience. Baggage and personal effects coverage from Arch RoamRight helps reimburse you for the value of your belongings when something goes wrong, so you can continue your travels with confidence.
What Is Baggage and Personal Effects Coverage?
This benefit provides reimbursement for personal belongings that are lost, stolen or damaged during your trip. It also helps cover items lost by a common carrier, such as an airline or cruise line, and can assist with replacing essential items you may need while you’re away.
Whether it’s a missing suitcase, damaged camera, or stolen passport, baggage and personal effects coverage helps minimize the financial impact of unexpected losses.
What It Can Cover
- Loss, theft, or damage to baggage and personal items
- Reimbursement for items lost by an airline, cruise, or other carrier
- Replacement of essential items when luggage is delayed
- Coverage for travel documents, jewelry and electronics (up to policy limits)
- 24/7 assistance to help report loss and coordinate replacements
(Coverage and limits vary by plan. Refer to your policy for details.)
Why Baggage and Personal Effects Coverage Matters
Even with the best preparation, baggage mishaps are common. Airlines misplace millions of bags each year, and theft or damage can happen at any destination. Replacing clothing, gear or personal items can be costly, especially while traveling abroad.
Baggage and personal effects coverage helps protect your investment in what you bring with you. With Arch RoamRight, you can travel knowing that your belongings are covered from departure to return.
Related Coverage: Baggage Delay
If your luggage is delayed for a covered period of time, Baggage Delay coverage can help reimburse you for the purchase of essential items such as clothing or toiletries. Many Arch RoamRight plans include both Baggage and Baggage Delay benefits for added protection.
Plans That Include Baggage and Personal Effects Coverage
This benefit is included in many Arch RoamRight travel insurance plans:
Pro Plan
Pro Plus Plan
On Trip Plus Plan
Multi-Trip Plan
Compare all of our travel insurance plans to find the best coverage for your trip.
Frequently Asked Questions
What does Baggage and Personal Effects coverage include?
It reimburses you for personal items that are lost, stolen or damaged during your trip. It can also help cover items lost by a common carrier such as an airline or cruise line.
How do I file a claim for lost or damaged luggage?
File a report with the airline, cruise line or local authorities as soon as possible, then submit your claim with documentation, such as receipts and proof of ownership.
Is there a limit on how much I can claim per item?
Yes. There are maximum benefit amounts for certain categories (like jewelry or electronics) and per-item limits as outlined in your policy.
What if my bag is delayed but not lost?
If your luggage is delayed beyond a set period (as listed in your plan), you may be eligible for reimbursement under the baggage delay benefit for necessary replacement items.
If you have questions, our knowledgeable Customer Service Representatives can assist you in finding the right plan. Call us at