What is Baggage and Personal Effects?
Baggage and Personal Effects is a type of insurance coverage that offers to protect your personal belongings and luggage while you are traveling. It typically provides reimbursement for lost, stolen, or damaged items such as clothing, electronics, jewelry, and other personal effects.
What does “Personal Effects” mean?
Your privately owned articles, including clothing and toiletry items brought by you for planned use on your trip.
Do I need Baggage and Personal Effects coverage?
Whether you need Baggage and Personal Effects coverage or not depends on your travel needs and preferences. If you are traveling with valuable items or have a lot of luggage, it may be a clever idea to consider this type of coverage to protect yourself against the risk of loss, theft, or damage.
All three of our
AXA’s Travel Plans Silver,
Gold, and
Platinum, include Baggage and Personal Effects Coverage. Maximum coverage per person is up to:
Silver
Maximum Benefit: $750
Per Article Limit: $150
Combined Article Limit: $250
Gold
Maximum Benefit: $1,500
Per Article Limit: $250
Combined Article Limit: $500
Platinum
Maximum Benefit: $3,000
Per Article Limit: $500
Combined Article Limit: $1,000
Article: Possessions are privately owned and used for personal use or enjoyment. Combined Article Definition Watches, Jewelry, Articles made of silver, gold, or platinum, Furs, Articles trimmed with or made mostly of fur, Cameras, and their accessories, including related equipment. All of these items are subject to the Combined Article Limit.
Combined Article Definition: Watches, Jewelry, Articles made of silver, gold, or platinum, Furs, Articles trimmed with or made mostly of fur, Cameras, and their accessories, including related equipment. All of these items are subject to the Combined Article Limit.
What are the benefits of Personal Effects coverage?
- Actual cash value at time of loss, theft, or damage to baggage and personal effects
- The cost of repair or replacement in like kind and quality up to the policy limit
Other Travel Insurance Benefits: Trip Cancellation, Emergency Evacuation, Baggage Loss, Cancel For Any Reason, Trip Interruption, Medical Travel Benefit, Trip Delay
Why choose AXA Travel Protection?
With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:
- Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency
- 24/7 global team of travel experts that offers assistance and assurance while traveling
