Baggage Insurance - 2026 Review
Baggage insurance will typically consist of two types of baggage or luggage protection:
- baggage delay, and
- baggage loss.
Baggage insurance, or luggage insurance, reimburses you for lost, stolen, or damaged luggage and personal items.
This baggage coverage is for the duration of your entire trip, not just your flight. Consequently it makes sense to cover the whole trip from start to finish.
In addition to protecting the value of your luggage and personal effects, luggage insurance can also assist and reimburse you if your credit cards or passports are stolen.
It's important to have Luggage Insurance for your luggage for your entire journey because airlines offer limited protection for your checked baggage and do not cover your carry-on items. They may also exclude certain things, such as jewelry or sports equipment.
Baggage Insurance – Per Article Limit
Baggage Insurance has a per-article limit shown on your plan, along with a combined maximum limit for items such as the following:
- jewelry
- watches
- articles consisting in whole or in part of silver, gold or platinum
- furs
- articles trimmed with or made mostly of fur
- sporting equipment
- ski equipment
- personal computers, radios, cameras, camcorders and their accessories and related equipment and other electronic items.
Baggage insurance also covers baggage delay. The policy includes delayed bags for the outbound journey, but not the return flight. Baggage delay benefits reimburse you for the added expense of necessary personal effects if the airline delays or misdirects checked luggage longer than the allowed amount of time.
Baggage Insurance – High-Value Items
If you are traveling with anything highly valuable or expensive, it’s worth considering purchasing the appropriate level of baggage insurance.
Many of our TripProtectors Insurance Carriers will allow you to upgrade your level of baggage protection to ensure you get the coverage that meets your needs.
However, our advice is to travel with as few valuable items as possible. Travel creates more opportunities for loss to happen, so only take things you really need.
Baggage Insurance – Never Lose Luggage Again
As to bag loss, we have an excellent tip that involves placing business cards inside every bag - you will never lose luggage again.
At TripProtectors we recommend everyone consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.
What many people do not know is that they won’t find the same trip insurance plans available at a better price. The US has anti-discrimination laws that require insurance costs to be the same, whether you buy from the insurer or a marketplace like TripProtectors.
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?
In short, a trip insurance quote for an insurance plan at TripProtectors is the same price you see from the insurance carrier direct. We are not allowed to compete on price for ‘filed’ insurance products. No one is. You are garanteed to get the best value from us.
Safe travels.
This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.
Recent AARDY Travel Insurance Customer Reviews
Rino Angelini
AARDY was there to put a human voice/face with a great service!
There was no obvious phone number on the IMG site so it was comforting to talk with someone at AARDY whose number I found online. Amanda was courteous and efficient. She even saved us little money because our initial airline expenditure was so long ago, June. The coverage is generous but we hope we don’t need it - just like the large term insurance policy I had when all our kids were young. Money well spent for peace of mind. Thank you for your excellent service.
Charlie143
Wanted to see how the AARP link for travel insurance compared to what I had found on my own, YOU WIN!!
I had reviewed some policies online and Destiny was able to help me compare what I had seen with what was offered by AARDY - at a much lower price!! But I needed to make sure I had the appropriate coverage I wanted. Destiny went over the coverage as I compared point by point and made it an easy decision. She also helped me submit insurance for my friend who is traveling with me and could not be on the line with us. Destiny was patient with all of my questions and when I apologized for taking so much time she encouraged me to make sure that I was satisfied with the product I had chosen, otherwise she was ready to tell me about other options. Destiny was an excellent representative for your product and I greatly appreciated her help. I went to your site using a link from the AARP site and I'm glad I did. I booked my trip through AAA, and although the representative sent us a msg late this afternoon that she was working on the quote we requested the day before, I have still not heard back on it!
Jean B
Michael was great in assisting me with…
Michael was great in assisting me with the appropriate insurance coverage.
