Short answer
Often yes for checked luggage that's lost by the airline, usually with a per-item and per-policy cap — but coverage details and dollar limits vary significantly by provider and plan.
What's typically covered
- Lost checked luggage — usually capped per item and per policy (for example, SafetyWing covers up to $500 per item, $3,000 max per plan, on both Essential and Complete)
- Delayed luggage — some plans provide a per-day allowance for essentials while your bag catches up
What's usually not covered, or needs an add-on
- Stolen electronics — often excluded from base coverage and sold as a separate add-on (laptops, cameras, tablets)
- Carry-on items lost outside of airline custody — coverage generally applies to airline-checked luggage, not items you lose yourself
- Cash and similarly hard-to-verify items — typically excluded or capped very low
Keep documentation
If you need to file a claim for lost or delayed luggage, you'll typically need the airline's official report (a Property Irregularity Report) plus receipts for anything you're claiming. Losing the paperwork usually means losing the claim, regardless of provider.
SafetyWing · Essential
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Travel medical coverage for emergencies, built for trip-based and shorter-term travel.
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