Why choose Baggage Coverage?
Baggage Coverage helps you avoid unexpected expenses if your luggage is lost, stolen, or damaged during your trip. It provides reimbursement for eligible repairs or replacements, so you can get back to enjoying your trip.
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Your baggage is lost, stolen, or damaged
Receive up to $1,500 to repair or replace your belongings. -
Your baggage is delayed by more than 12 hours
Receive up to $500 to purchase essentials or rent sports equipment while you wait for your baggage.
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Your documents are lost or stolen
Receive up to $250 to replace certain official documents, such as your passport or driver's licence. -
You need help
Count on 24/7 Travel Assistance to guide you through the steps to take if something unexpected happens to your baggage.
Eligibility
You can purchase Baggage Coverage if you:
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Live in Canada
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Are covered by your province's public health insurance plan (RAMQ) for the entire duration of your trip*
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Are more than 30 days old on your departure date
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Purchase your contract before leaving on your trip
Other conditions may apply. See insurance policy for details.
*If you're visiting Canada or aren't covered by a provincial health insurance plan, visit our Insurance for Visitors to Canada page.
How it works
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Get insured
Add Baggage Coverage to your travel insurance before departure. -
Report the incident
If your luggage is stolen, lost, or delayed, contact Blue Cross Travel Assistance as soon as possible. We’ll explain the next steps and let you know which documents to keep. -
Get reimbursed
Gather your supporting documents (carrier report, receipts, written police confirmation, etc.) and submit your claim through your Customer Space within 90 days.
Conditions
Covered expenses
Protects you if your baggage arrives more than 12 hours late or is lost, stolen or damaged during your trip.
Covers up to $1,500 in total for the following benefits:
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Lost, stolen or damaged baggage
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Delayed checked baggage (maximum $500)
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Replacement of official documents (maximum $250)
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Examples of items that may be covered: Jewellery, electronic devices and photographic equipment.
Limitations and exclusions
Costs associated with the following events are not covered:
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Loss of or damage to certain items, such as cash, glasses and medication
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Damage to fragile or breakable items
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Acts of war and civil unrest
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Theft from a vehicle without forced entry
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Neglect, carelessness or unexplained disappearance
The policy includes additional exclusions. Review the insurance policy for the complete list.
Discover our other travel coverage options
From major emergencies to minor travel mishaps, choose the coverage that’s right for you
Frequently asked questions
Our Baggage Coverage provides reimbursement of up to $1,500 if your baggage is lost, stolen or damaged during your trip, and up to $500 if your baggage is delayed by more than 12 hours. Limitations and exclusions apply, as outlined in the travel insurance policy.
If your baggage is delayed on your outbound trip, request written confirmation from the carrier and contact Blue Cross Travel Assistance as soon as possible. Our team will guide you through the next steps.
Be sure to keep your receipts and proof of payment for any expenses incurred while waiting for your baggage.
Yes. You can call Travel Assistance in just one click via Wi-Fi or mobile data. You can also reach us toll-free or by calling collect during your trip using the following numbers:
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From Canada and the United States: 1-800-361-6068
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From anywhere else in the world: 514-286-8411
Baggage Coverage insures you up to $300 for all lost items that fall into these categories:
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Jewelry
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Electronic devices or cameras
For example, if you lose $500 worth of jewelry, you’ll receive a $300 reimbursement.
Up to $300 may also be reimbursed for items that are part of a set, like sporting equipment.
If only one item from a set is lost or stolen (such as a golf club from a golf bag), reimbursement is calculated proportionally based on its value within the set.
To be reimbursed under your Baggage Coverage, be sure to keep all supporting documents related to the incident and submit your claim within 90 days.
If your luggage is lost or stolen, depending on the situation, you may need to provide the following supporting documents:
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A completed claim form
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Written confirmation of the loss, theft or damage
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An invoice or receipt confirming the item's value
If your baggage is delayed by more than 12 hours, also keep these documents:
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Written confirmation of the delay from the carrier
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Receipts for essential purchases
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Receipts for sports equipment rentals, if applicable
No. Travel insurance must be purchased before you leave your province of residence and should cover the entire duration of your trip.
To receive reimbursement for eligible expenses, you need to submit a travel insurance claim.
1. Sign in to your Customer Space.
2. Select “My Claims.”
3. Click “New Claim.”
You can submit your claim and supporting documents online.
Yes, as long as they’re listed on your policy. Baggage Coverage can reimburse up to $1,500 per insured person.
Your baggage may be covered if it's stolen from your rental car, provided the vehicle was locked and there is visible evidence of forced entry. Review the insurance policy for all applicable conditions, limitations and exclusions.