Baggage insurance costs a little, but could save you a lot of hassle, costly replacement bills, and even embarrassment! There are three types of luggage mishaps, and different types of baggage insurance claims for each. Whether your luggage is lost, delayed, damaged or stolen, baggage insurance protects you. Here are some insider luggage claim tips to know!

baggage claim sign airport
Baggage claim at airport

Types of travel baggage insurance for luggage mishaps

Several types of TuGo Travel Insurance cover you for luggage mishaps. For example:

What items are covered by Baggage Insurance?

Baggage trip insurance covers items that you owned before the trip and has an added bonus; it also covers some essentials to tide you over. Did you know that one of the best things about baggage insurance is that it could save you from paying a high deductible on home or renters’ insurance?

Covered by baggage insurance Not covered by baggage insurance
  • The luggage, duffle bag, wheelie bag or suitcase itself
  • Personal stuff like toiletries, shaving kit, makeup, cosmetics, perfumes, gifts…
  • Diving gear
  • Clothes and shoes
  • Stolen currency up to $100
  • Bikes checked as baggage (on a flight, train, etc).
  • Musical instruments (if you just play for fun, that is)
  • Outdoor gear like tents, hiking boots
  • Skis and snowboards


Basically, Baggage Insurance covers the typical things you’d travel with or would need at your destination. The purpose of baggage insurance is to keep you travelling and well enough equipped to enjoy your vacation in case your bags don’t arrive on time (or get lost or damaged on the way). There are limits for all items, so if you have questions about a specific possession, give us a call! We’ll be happy to help.

  • Motorized or self-propelled equipment like scooters, boats, cars, etc.
  • Regular wear and tear of personal items
  • Open vehicles (make sure to lock your car securely!)
  • Personal entertainment devices like iPads, smartphones or tablets
  • Antiques or collector items
  • Art, jewellery, furs
  • Camera or camera equipment
  • Furniture (travel insurance doesn’t cover moving)
  • Professional equipment for an occupation (such as musical instruments if you’re a professional musician)

Why? Most of these items are insured under your home or renters’ insurance and can be scheduled as special items if you have professional or expensive gear. Talk to your home or rental insurer about your coverage.

What amount is covered by baggage insurance?

A single item will be covered to a maximum of 25% of the sum insured per person. This means for one person, an item is covered for 25% of the total sum (1,500.00/0.25= $325). This is more than sufficient for most personal travel items, but say you’re travelling with an expensive or big ticket item like a downhill mountain bike, or a designer coat or shoes, for example, your home insurance would process your claim first, and baggage  insurance would cover the rest . Remember: baggage insurance, like all travel insurance is in excess of your primary insurance.

Most travel baggage mishaps and claims happen when you’re flying, so it’s a good idea to know your airline passenger rights when it comes to luggage. Google ‘Air Canada damaged baggage’ and you’ll see damaged luggage is a common occurrence at some airports and specifically with some carriers.

Air Canada damaged luggage guitar
Musician hobbyists beware! A friend was asked to ‘check’ his guitar as a special carry-on item on a return flight from Vegas. Imagine his dismay at arrivals when he picked up his crushed guitar! Photo credit: Devon Richards.

Delayed luggage

If your bags don’t make it to your destination, after 12 hours, Baggage Insurance will cover $200 worth of purchases for personal necessities.. Are you going to an important business meeting, and worried your suits won’t arrive on time? Or stuck somewhere en route and ill prepared for extreme cold or hot temperatures? The baggage delay benefit could save your toes from frostbite or extreme sunburn!

baggage insurance for delayed luggage

Any time you’re travelling outside of Canada, or transferring planes on a tight stopover, chances are you’ll have delayed bags. You might want to reconsider flying out of US airports, especially if you have multiple stopovers.

How to open a delayed baggage claim:

  1. Report it right away to the airline or carrier.
  2. Get written confirmation from the carrier that your bags were delayed; it’s easier to obtain this early on.
  3. Let us know so we can open a claim. You can also download the baggage claim form at
  4. Keep the original receipts for anything you buy in the meantime.
  5. Fill out your claim forms and send us your original receipts and the airline’s confirmation of the delay.
  6. Create a myTuGo account if you want to track your claim status online.

Delayed baggage claim tip: keep the receipts for all your purchases, and group the receipts from items you usually take on trips in the same place. We’ll need originals, and having them on hand can avoid a scramble later!

Lost luggage

Here’s why there’s so much lost luggage:

  • Increased air capacity
  • More baggage being transported
  • Increase in airline mergers

How to open a lost luggage claim:

Report it right away and get written proof. Here are some examples:

  • Did your hotel lose it? Get a written report from them and share it with us.
  • Did your airline carrier lose it? Same as above.
  • Was it stolen? File a police report right away! We’ll also need a copy.

Call Claims at TuGo or email us to let us know. Here are the types of questions we’ll ask to open your baggage insurance claim:

  • Full name
  • Policy number
  • Departure date from home province (Note: if you’re a visitor to Canada, you can also purchase Baggage Insurance!)
  • Date and time the luggage went missing
  • How the loss occurred (Was it stolen? Was it lost?)
  • If your luggage was returned to you,how long did it take?

Lost luggage baggage claim tip: note your arrival time, and the time you got your bags. Having exact times helps keep the airlines accountable!

travel insurance for damaged and lost luggage
Luggage Claim Forms

If your luggage is damaged

Depending on the damage, you can have your luggage appraised for repairs. If your luggage is beyond repair, or if it’s cheaper to replace it altogether, you’ll need to submit proof from a luggage repair shop of your choice, along with a receipt for the cost of the original luggage if available.

Damaged luggage claim tip: When buying any new luggage, suitcases, or travel duffle bags, scan or photocopy the receipt. If you have a baggage claim in the future, it will come in handy!

Happy travels, bags included!


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