Anyone who has experienced lost, delayed, damaged, or stolen luggage knows that packing for a trip can often mean risking valuable and important items. While many travel insurance policies provide coverage for baggage loss and delay, they often have limited coverage amounts. When it’s necessary to travel with important items, Squaremouth suggests listing these items under your homeowners policy. Another option to keep items safe is to pack them in your carry-on.
Travel Insured suggests that these 5 items are kept safe and out of your luggage:
Travel Documents and Identification
Paperwork containing details of travel, personal identification, and records should be kept on the traveler in a carry-on. Travel Insured recommends, “Everything including your insurance policies, itinerary, transportation and accommodation details, ID cards and passports, and any other documents that may be essential for your trip should be with you at all times.”
While it may be tempting to pack electronics, they may not be safe in luggage. Keeping them in a carry-on will help prevent any damage that is likely to occur in checked luggage. “Travelers are allowed one carry-on plus one personal item. That means you can bring your carry-on luggage and your laptop bag on the plane with you. Don’t forget to make sure your bags meet the size requirements set by your airplane, too” says MH Ross.
Keeping all cash, checks, credit, and debit cards out of checked luggage will help ensure that your bank account is safe. Travel Insured advises, “Although your luggage should be safe when you check it at the gate, your bags do go through the hands of many different people and are in several different locations.” It is particularly important to keep any form of money out of checked luggage, as this will not be covered by your travel insurance provider if it is lost or stolen.
“The rule of thumb should always be if it is irreplaceable in your mind, do not put it in your suitcase” says Travel Insured. Packing expensive, one-of-a-kind, or fragile items is always a risk. While leaving these items at home is the safest option, keeping irreplaceable necessities in a carry-on is the best option for travel.
Important medications and prescriptions are best kept out of checked luggage. If medication is needed, it will not be accessible in checked luggage. Lost and delayed baggage can pose an issue if a medication is taken at a consistent time each day, and it can be an inconvenience to replace medications. Finally, keep in mind that travel insurance policies do not cover any routine or annual health care, including prescriptions.