Does baggage insurance cover theft?

Baggage loss insurance covers baggage that is lost, damaged or stolen during your trip. But not everything in your bags might fall under the insurance coverage.



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Most comprehensive travel insurance plans include coverage for baggage loss and, if your baggage is not permanently lost or damaged, baggage delay. Some coverage may include the cost of essential items you purchase while you wait for your delayed luggage to be returned.

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Yes, you should call the airport's law enforcement office at both your departure airport and your arrival airport, filing reports for stolen goods. You can find the phone numbers by calling each airport's main line and asking the operator to speak to the office that handles airport law enforcement.

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Under DOT regulations (for domestic travel) and international treaties (for international travel), airlines are required to compensate passengers if their bags are damaged, delayed, or lost.

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According to the U.S. Department of Transportation, you are entitled to compensation for reasonable incidental expenses you incur because of your delayed baggage, up to the maximum liability limits, set by statute. For U.S. domestic flights, this is $3,800 per passenger.

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Airlines will likely want to stay out of court, so you must file a Property Irregularity Report (PIR) to increase your likelihood of a settlement. If that doesn't work, file a claim in small claims court. That doesn't require an attorney, but each state has maximum limits regarding what you can recover.

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Baggage handlers, airport security, and TSA agents may have access to your luggage behind closed doors. While most of these individuals are just trying to make an honest living, there have been numerous documented instances of airport personnel stealing from passengers' bags.

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Lock Checked Luggage Some suitcases come with locks pre-installed that require a combination in order to open the bag. If your suitcase does not have this, you can invest in a TSA-approved luggage lock to keep your valueables safe.

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Airlines are legally required to compensate you for lost items and any baggage fees you paid.

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9 Ways to Protect Your Luggage on Your Next Trip
  1. Choose the right bag. Protecting your luggage starts by selecting the right luggage. ...
  2. Keep it simple. ...
  3. Wrap it up. ...
  4. Buy bag protectors. ...
  5. Put your photo on it. ...
  6. Take a photo of it. ...
  7. Use a luggage tag outside and inside. ...
  8. Zip up toiletries.


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When it came to airlines that lost the most baggage, that same study found that Atlanta-based Delta Air Lines came in ninth out of 17 major airlines. “Of all national airlines, American Airlines lost the most bags in 2022, losing 850 bags per 100,000.

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Carriers handled almost 393 million bags in 2021, according to the Bureau of Transportation Statistics. They lost over 2 million bags which is 0.51% of all checked bags. Pre-COVID-19 numbers were higher with a 0.59% loss. The percentage lost goes up during busy holiday travel.

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The airline is liable for damages caused by loss of checked baggage, up to a certain limit: CAD$2,300 (approx.) on itineraries within Canada and international itineries, including to the US; and. US$3,800 on domestic itineraries within the US.

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Here's the ranking of US airlines from MOST complaints in May 2022 to LEAST complaints in May 2022:
  • American Airlines (575 complaints)
  • United Airlines (400 complaints)
  • Frontier Airlines (301 complaints)
  • Delta Air Lines (281 complaints)
  • Spirit Airlines (269 complaints)
  • JetBlue Airways (244 complaints)


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