May I purchase additional cover for personal items that exceed the baggage loss / single article limit of my travel insurance policy? Published by Chris Harvey August 5, 2008 Unfortunately, travel insurance policies do not provide the option to increase the limits within your policy for baggage or personal effects loss. You may have additional coverage through a homeowners policy or credit card company. Related articles: Will travel insurance cover my laptop computer? Will Travel Insurance Cover Electronic Items Bought Online? How does a travel insurance policy define a pre-existing condition? What is Rental Vehicle Coverage in travel insurance? Will trip cancellation cover the cost of day tours? Should I include this in my trip cost?