How to File Baggage Insurance Claim

Having your vacation you may feel distressed and only one thing may ruin your long-awaited holiday – loss of your baggage. Thus, for every such incident you need to buy insurance and having found a good insurance company. Lost baggage insurance is included in some travel insurance policies. But it is possible to get this insurance separately if it is not included. This insurance can also cover delayed baggage as well. The following are tips on how to file a lost baggage insurance claim.

1. At first you have to contact the airline carrier within four hours regarding lost baggage. And then complete all of the carrier's lost baggage claims requirements. You have to file a claim immediately, if not, it your insurance claim may be denied.

2. It is necessary to notify the insurance company holding your lost baggage policy of your loss. However, some companies require notification within 45 days following the loss of your baggage. And only then you receive a claims form from the insurance company.

3. Then you should fill out the lost baggage claims form. But in some cases, an insurance company may accept a copy of the claims form you filed with the airline carrier as long as your policy number appears on that form.

4. Attach a list of the lost items and the value of each item. Don't forget to include a receipt that your airline carrier handled your baggage.

5. Try to submit your completed claims form and supporting documentation to your insurance company as soon as possible and no later than 90 days after the date of the reported baggage loss.

Be attentive as some airline carriers might suggest waiting one to two weeks before submitting a lost baggage insurance claim, as they find most baggage within a few days. Moreover, some lost items are not covered in the event of lost baggage. Thus, your lost baggage insurance policy should list items the policy doesn't cover. It is important to carry these items in your carry-on bag.