Most policies also include a “specific items” limit for expensive items such as jewelry, cameras, and electronics, among other things. Benna says this amount typically ranges from $250 to $500 per specific item, but some policies can reimburse between $1,000 and $2,500 for one item.

Because of these coverage limits, baggage insurance is not designed to cover expensive luggage.

“Due to the specific items limit, travelers may not be able to fully insure their expensive luggage,” says Benna.

For example, the AIG Travel Guard Deluxe plan has a $2,500 maximum limit for covered baggage damage and loss. Within that are per-item maximum coverage limits, too.

“On the Deluxe plan, this would be $500 for one item, and once this limit has been reached, additional items have a maximum coverage limit of $250,” explains Scott Adamski, a spokesperson for AIG Travel.

Here are other examples of travel insurance plans with high baggage limits. Remember that the exact list of “specific items” will be named in the policy, such as jewelry:

  • AXA Assistance USA’s Platinum plan: $3,000 per person; $500 per item; $1,000 specific items limit
  • Battleface Travel Medical Single Trip: $2,500 per person; $1,250 per item; $50 deductible
  • Berkshire Hathaway Travel Protection LuxuryCare: $2,500 per person; $500 first ite m limit; $250 subsequent items limit; $500 specific items limit
  • John Hancock Insurance Agency Gold plan: $2,500 per person; $250 per item; $2,500 specific items limit
  • Seven Corners RoundTrip Elite: $2,500 per person; $300 per item; $1,000 specific items limit
  • Trawick International Safe Travels Voyager: $2,500 per person; $300 per item; $500 specific items limit
  • USI Affinity Travel Insurance Services Diamond plan: $2,500 per person; $300 per item; $500 specific items limit