Travelling is all fun and games until you lose your valuables amidst a flight. When this happens, insurances such as visitor insurance Canada reimburse you up to a particular agreed amount for the policy. The reimbursement is done for stolen, lost, or damaged personal effects on your travel bag. That said, as you prepare to get visitor insurance, here are insights you should know on baggage coverage.
Baggage Loss Coverage
Under this coverage, you will be reimbursed for your lost luggage and also for other items under your cover, which might have been stolen or lost during your travel, Personal effects and baggage insurance is ideally a secondary coverage. That means it acts as a supplementary cover for reimbursements that you will receive from the primary carrier, such as the airline that lost your baggage or by your homeowner’s insurance.
Baggage Delay Coverage
Unlike the first type, which seeks to reimburse you for lost items, this visitor insurance Canada allows you to buy essential things that you require for your use as you wait for your baggage to be delivered. Like the baggage loss package, this insurance type is an additional option to what you will get from the airline. However, note that your baggage delay insurance is not automatic. It only gets activated after a specified period has elapsed. Depending on the insurance you have purchased, the period could be either 12 or 24 hours. Until the specified time elapses, you are not qualified for reimbursement. It is also essential for you to note that this cover is only applicable on the outbound trip.
Before signing for your visitor insurance Canada, always ensure you read and understand the fine print. Know what is covered and what is not. Know what the limit is and whether it is an overall limit, per item limit, or a specific item limit.