If you\u2019re one of the unlucky millions finding yourself sans-bag when you arrive at your destination, the knowledge you paid for your flight with a credit card featuring lost luggage reimbursement can take the sting out of an unfortunate situation.<\/p>\n
The list we've put together doesn't cover every card providing lost luggage protection, which is a lengthy list indeed. Instead, we\u2019ve broken down the coverage by credit card network and recorded some of the specifics for each provider.<\/p>\n
Page Contents<\/p>
- What Is Lost Luggage Reimbursement and How Does It Work?<\/a><\/li>
- Credit Card Lost and Damaged Luggage Policies<\/a>
- Visa lost luggage policy<\/a><\/li>
- Mastercard lost luggage policy<\/a><\/li>
- American Express lost luggage policy<\/a><\/li><\/ul><\/li>
- What Items Are Not Covered by Lost Luggage Protection?<\/a><\/li>
- Final Thoughts<\/a><\/li><\/ul><\/div>\n\n
What Is Lost Luggage Reimbursement and How Does It Work?<\/span><\/h2>\n
Lost luggage reimbursement covers the cost to repair or replace your luggage, and the personal belongings contained within, if your bag is lost or damaged during a covered trip.<\/strong><\/p>\n
What constitutes a covered trip varies by credit card provider, but it typically covers airline, train, bus, and marine transport charged to your eligible credit card. Lost luggage insurance is secondary to any reimbursement from the airline or travel provider, and coverage from your credit card typically applies to both your checked and carry-on baggage. Coverage lasts from the moment you check in to the time you pick up your bags at the other end of your journey and then walk out of the terminal.<\/p>\n
![\"Airport](\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\")
Credit: Azzadiva Sawungrana\/Unsplash<\/em><\/enter><\/figure>\n As an example of how the policies and exclusions differ between providers, we\u2019ve collated lost luggage protection policy details provided on World Mastercard, Visa Infinite (the benefit is also included on select Visa Signature cards), and American Express cards below.<\/p>\n
Credit Card Lost and Damaged Luggage Policies<\/span><\/h2>\n
Visa lost luggage policy<\/strong><\/span><\/h3>\n
Lost Luggage insurance is one of the seemingly endless benefits provided on Visa Infinite cards \u2014 like the Chase Sapphire Reserve\u00ae<\/sup><\/a> (Rates & Fees<\/a>), the United Club\u2120 Card<\/a> (Rates & Fees<\/a>) and Capital One Venture X Rewards Credit Card<\/a> (though this can be issued as a Mastercard sometimes \u2014 and this coverage also features on select Visa Signature cards like the Chase Sapphire Preferred\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>) and the United\u2120 Explorer Card<\/a> (Rates & Fees<\/a>). Visa covers up to $3,000 per person per trip ($2,000 for New York residents), which includes up to $500 for high-risk items like jewelry, watches, electronics, and cameras.<\/p>\n
Related: From Travel Perks to Free Wine and Discounted Golf: All of the Benefits of Visa Infinite Cards<\/a><\/strong><\/p>\n
Mastercard lost luggage policy<\/span><\/h3>\n
Mastercard offers lost baggage protection on many of its World and World Elite Mastercard<\/a> products, and you can find your policy details here<\/a>. Similar to the Visa coverage above, the Mastercard policy covers up to $3,000 per person per trip (again, $2,000 for New York residents), up to a total of $10,000 for all covered travelers per trip.<\/p>\n
Credit: Heather Gill\/Unsplash<\/em><\/enter><\/figure>\n American Express lost luggage policy<\/strong><\/span><\/h3>\n
Baggage insurance is provided on many business and consumer Amex cards \u2014 over 40 cards, to be clear. To qualify for baggage insurance, the entire cost of the fare must be paid for using your Amex card, Membership Rewards points<\/a>, or the Amex Pay with Points program, and the terms specifically exclude tickets paid with points from another program or using gift cards or vouchers.<\/p>\n
Amex offers different tiers of baggage insurance depending on the card you hold, for example: <\/p>\n
American Express\u00ae<\/sup> Gold Card coverage includes<\/strong>:<\/p>\n
- \n
- Up to $1,250 per person for carry-on baggage<\/li>\n
- Up to $500 per person for checked baggage<\/li>\n
- Maximum benefit of $250 on high-risk items like jewelry, sporting equipment, electronics, etc.<\/li>\n
- Claims cannot exceed $1,250 per person total per covered trip<\/li>\n<\/ul>\n
American Express Platinum Card\u00ae<\/sup>\u00a0coverage includes:<\/strong><\/p>\n
- \n
- Up to $3,000 per person for carry-on baggage<\/li>\n
- Up to $2,000 per person for checked baggage<\/li>\n
- Maximum benefit of $1,000 on high-risk items like jewelry, sporting equipment, electronics, etc.<\/li>\n
- Claims cannot exceed $3,000 per person total per covered trip<\/li>\n<\/ul>\n
If you want to know what level of coverage your Amex card offers, head to the Retail and Travel Benefits page on the Amex website<\/a>, click on the “Eligible Cards” button under Baggage Insurance Plan, and you\u2019ll find a full list of Amex cards and the coverage they provide.<\/p>\n
What Items Are Not Covered by Lost Luggage Protection?<\/span><\/h2>\n
Lost Luggage policies typically cover both your checked bags and carry-on luggage and their contents, but each card also excludes items. The lists below aren\u2019t exhaustive, so confirm the details of your particular card with your Benefits Administrator.<\/p>\n
- \n
- Amex: <\/strong>Cash, cards, and cash equivalents, travel documents (including passports and visas), securities, tickets and documents, living plants and consumables, eyewear, medical aids, or similar items.<\/li>\n
- Capital One:\u00a0<\/strong>Medical items, cash and cash-like items, travel documents, freight shipments, and items for business use.<\/li>\n
- Chase: <\/strong>Documents or valuable papers, money, securities, tickets, checks, traveler\u2019s checks, or furs.<\/li>\n<\/ul>\n
Something to be aware of before pulling out your card to pay for a fare is that some cards offering lost luggage protection require you to charge the entire fare to the card to qualify for coverage, whereas others cover you when you pay with points from that bank's own program (but might not be covered if you pay with miles from an airline program not owned by the card issuer).<\/p>\n
Related: Which Credit Card Should You Use To Pay Award Taxes and Fees?<\/a><\/strong><\/p>\n
Credit: Chris Hardy\/Unsplash<\/em><\/enter><\/figure>\n For example, Chase covers Sapphire Reserve<\/a> cardholders if ” some portion of the fare for such transportation has been charged to the Cardholder\u2019s Account issued by JPMorgan Chase Bank, N.A. and\/or its affiliates or has been paid for with redeemable Rewards that were accumulated by the Cardholder from a Rewards program sponsored by JPMorgan Chase Bank, N.A. and\/or its affiliates.<\/em>\u201d<\/em> You could pay for an award ticket with United MileagePlus miles, pay the taxes and fees with your Sapphire Reserve, and you\u2019d still qualify for lost luggage coverage.<\/p>\n
Make sure you check the specific policy on your card.<\/p>\n
Final Thoughts<\/span><\/h2>\n
Free travel and aspirational redemptions are the poster perks for most members of the points and miles community, but acquiring an intimate knowledge of your credit card perks and benefits can also provide a lot of value. That's especially true when travel doesn\u2019t go as planned.<\/p>\n
It\u2019s common knowledge that top-tier rewards cards like the Sapphire Reserve<\/a> and Capital One Venture X<\/a> provide exceptional travel protections including lost\/damaged baggage protection, but the benefit also features on mid-tier cards like the Chase Sapphire Preferred\u00ae<\/sup> Card<\/a>. In fact, the lost luggage protection here is on par with premium credit cards that have much higher annual fee.<\/p>\n","protected":false},"excerpt":{"rendered":"
If you\u2019re one of the unlucky millions finding yourself sans-bag when you arrive at your destination, the knowledge you paid with a credit card featuring lost luggage reimbursement can take the sting out of an unfortunate situation. We break down the differences in policies to help you know what is and isn’t covered.<\/p>\n","protected":false},"author":59,"featured_media":158494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520],"coauthors":[36386],"class_list":["post-24712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits"],"acf":[],"yoast_head":"
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When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether all of this is illegal.","sameAs":["https:\/\/x.com\/RyanSmithTravel"],"url":"https:\/\/awardwallet.com\/blog\/author\/ryan-smith\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/59"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=24712"}],"version-history":[{"count":55,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24712\/revisions"}],"predecessor-version":[{"id":256294,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24712\/revisions\/256294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/158494"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=24712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=24712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=24712"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=24712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}} - Capital One:\u00a0<\/strong>Medical items, cash and cash-like items, travel documents, freight shipments, and items for business use.<\/li>\n
- Amex: <\/strong>Cash, cards, and cash equivalents, travel documents (including passports and visas), securities, tickets and documents, living plants and consumables, eyewear, medical aids, or similar items.<\/li>\n
- Mastercard lost luggage policy<\/a><\/li>
- Credit Card Lost and Damaged Luggage Policies<\/a>
![\"Airport](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Azzadiva-Sawungrana-Unsplash-baggage-claim-passengers-featured-300x240.jpg\")
![\"looking](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Heather-Gill-Unsplash-baggage-claim-featured-300x240.png\")
![\"empty](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Chris-Hardy-Unsplash-baggage-claim-featured-300x240.png\")