Total limit versus category limits
A high total baggage limit can still provide little protection for one laptop, camera or piece of jewellery if the single-item limit is low.
Checked baggage restrictions
Insurers and airlines often restrict valuables in checked luggage. Keep medicine, documents, money and important electronics in hand luggage within carrier rules.
Passport and document cover
Some policies cover reasonable replacement travel and fees after loss or theft. Follow embassy, police and insurer instructions.
Sports and professional equipment
Diving, photography, music, business and sports equipment can require an extension. Coverage while in use may differ from transit protection.
Rental or borrowed property
Items not owned by the traveller may have limited protection. Check rented equipment, employer devices and borrowed items separately.
Before-you-go inventory
Photograph packed valuables, record serial numbers, retain receipts and review airline baggage rules. Do not pack prohibited or fragile items inappropriately.
Frequently asked questions
Is baggage insurance sold separately?
Sometimes, but it is commonly included in a broader policy.
Does it cover wear and tear?
Ordinary deterioration, cosmetic damage and poor packing are commonly excluded.
Are souvenirs covered?
They may be, subject to proof, limits and exclusions.
What happens if my passport is stolen?
Contact local police, your embassy or consulate and the insurer assistance line.
Does home insurance cover travel baggage?
Some policies extend personal-property cover away from home. Check territory and excess before duplicating cover.
Official references and further checks
Editorial review: AfricaTourVisa travel information team. .
We are a private travel-support service, not an insurer, government authority or emergency-assistance provider. Insurance is supplied under the provider’s terms.