How Does Travel Insurance Helpful in Baggage Loss?
After flying thousands of miles, you just landed at Toronto airport. Excitingly, waiting at the luggage carousel to pick your baggage and start your trip. Suddenly you have realized that the carousel has already stopped, and you can see no further bags on it. Oh No! Your baggage is missing, and your jetlagged mind hit by this horrible realization that it is already lost. Nobody else can understand your pain. Now, what to do?
First, you do not need to panic. It is a common airline goof up that has become common for frequent flyers. In this article, you can read how you can deal with the loss of checked-in baggage.
Intimate Your Insurer
If you did not receive your baggage at the carousel, then check its status with the airline support team. Once it is confirmed from the airline that your baggage has been lost, come into action. Intimate your insurance company about the loss of your luggage and start filing a claim under your travel insurance.
You required below document to file an insurance claim:
- Online insurance claim
- PIR (Property Irregularity Report) with reference number to trace your lost baggage
- A letter from airline accepting their liability for loss
- NEFT form with a cancelled cheque
- Copy of your passport
- Visa duly stamped
You must submit all the above documents to your insurance company to start the claim process.
Verification of the Documents
After submitting the listed documents to the insurer, the claim management team will cross verify the details and the documents. They also check the details of your items packed in your luggage for the claim settlement. If they will find any discrepancy they have full right to reject your claim, else they settle the claim up to the sum insured.
Once the claim settlement team verified the documents and details of your luggage, they release the claim within 30 days. Further, if the required insurance company may ask you for KYC documents to follow AML (Anti-Money Laundering) guidelines.
What Includes in Loss of Checked-In Baggage Cover?
You will be glad to know that your travel insurance provides coverage for the following:
Compensation for Expensive Stuff-
Under your overseas travel insurance, you are entitled to get compensation for loss or damage to expensive stuff like jewelry, laptops, iPad, branded clothes, shoes, etc.
Some insurance companies also cover the loss, theft or damage of the costly carry-on bags.
Delay in Checked-in Baggage-
Travel insurance also covers the losses that may occur due to delays in Checked-in Baggage.
Therefore, your baggage can be en route or stolen at any time when you are heading to Canada. Your Canada travel insurance comes for your rescue in such a case. That is why it’s wise to travel with comprehensive international travel insurance like what Religare Travel Insurance offers. “Explore” is its region-specific international travel insurance that is thoughtfully planned and customized according to your travel needs.
It provides you maximum coverage and financial security so that you can save from such airline goof-ups and still enjoy your holidays in Canada.