Add Peace of Mind to your Itinerary
This coverage applies to more than air travel – it also can be in place when you have used your registered Visa TravelMoney card to purchase your ticket for travel via other forms of transportation, such as ferry, train, or bus. Be sure to fill out a lost luggage report with the common carrier within 24 hours of the loss and save your receipts – you’ll need them when filing your claim.
Easy Claims Process
Collect your documents (lost luggage report, dates of travel, etc.), and click here. Notification to the Benefit Administrator must be made within 20 days from the date the luggage was lost or stolen.
Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.
Below you will find answers to some of the most commonly asked questions about the benefit.
Q: How does the reimbursement work?
A: Before you leave the airport you’ll need to file a report with the airline or common carrier. They’ll give you a copy of this report. The airline/common carrier will provide information on when your luggage was delivered to you. Save your receipts – you’ll need to send them to the Benefit Administrator with your claim form. Within 20 days you’ll need to notify the Benefit Administrator.
You can file your claim online here. Be sure to include a copy of the report and your receipts.
Q: Do I have to file a claim with my insurance company?
A: Yes. If you have personal insurance (e.g. homeowner’s, renter’s, or other insurance that covers lost or stolen luggage or contents), you are required to file a claim with your insurance company and include a copy of any claim settlement that you receive along with your completed claim form. This benefit is considered “secondary coverage” – this means that under this benefit you get coverage that is supplemental to and in excess to what you get from your primary (or personal) insurance (e.g. homeowner’s insurance), so the Benefit Administrator will look at your total losses minus your settlement from your primary insurance & common carrier, as well as apply it to any deductible you paid from your primary insurance.
Q: What if my luggage isn’t found — how do I prove what I had in it, and how much it was worth?
A: The first thing you do when you realize your luggage is missing is file a report with the airline or common carrier — you’ll need to do this before you leave the airport. They’ll give you a copy of this report — save it because you will need to send it with your claim form. The common carrier will provide the Benefit Administrator with information on your luggage, too. Then simply contact the Benefit Administrator, and they will help guide you through the claims process. If you have receipts for the items you had in your luggage that is great. Otherwise, the Benefit Administrator will help you arrive at the value of the items in your luggage. Within 90 days you’ll need to send in your claim form information to get reimbursement. You can file your claim online here.
Q: What is covered?
A: This benefit covers your checked luggage or carry-on baggage and/or its contents. Please note the luggage and/or contents must be lost by the Common Carrier or stolen.
Q: What kinds of things aren’t covered?
A: There are always exclusions — some items to be aware of are animals, eyeglasses, contacts, hearing aids, artificial limbs, false teeth, dental bridges or appliances (such as retainers). Also, money, deeds, keys and food stamps are not covered. You’ll want to read the Outline of Coverage for complete details.
Q: What tips do you have to help me make my trip go smoothly in the event that my luggage or personal items are lost or stolen?
A: Make photocopies of your passport, travel visa, and prescription medications. Keep one copy on you, and give another to someone at home that you trust. Bring your Policy number and the 800 number with you so the Benefit Administrator can help save you some hassle and get reimbursed for expenses that you incur if your luggage or personal belongings are lost or stolen.