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Baggage and Personal Effects Insurance1
Why do I need it?
Sometimes you check your luggage with an airline or hotel only to find it damaged, lost or stolen, putting a damper on your trip. In an unfortunate situation like this, AMEX® Travel Insurance† can provide you with reimbursement for the damage or replacement of your items.
What’s included?
Your baggage and personal items can be covered in the event of loss, theft or damage during your trip.
Lost or stolen personal items
Reimbursement of losses up to $1,000 per trip ($3,000 per family), up to a maximum of $300 for any one item or set of items.
Lost or stolen documents
Reimbursement of up to a combined maximum of $250 towards the replacement costs for important documents, like your passport, travel visa and more.
Delayed baggage
Reimbursement of up to $500 for necessary toiletries and clothing if your checked bag is delayed for more than 6 hours.
Recommended Travel Plans
View Certificate of InsuranceDownload Details
View Certificate of InsuranceDownload Details
View Certificate of InsuranceDownload Details
Frequently Asked Questions
To find the answer to this question and similar COVID-19 related inquiries, please visit the COVID-19 TRAVEL FAQ page.
Coverage may be extended by calling 1-844-200-8959 and requesting an extension before your existing coverage for your trip terminates. Your request may be approved provided you meet the eligibility requirements and no event has occurred that would give rise to a claim under the insurance. If an event has occurred that would give rise to a claim, the extension of your insurance is subject to the approval of the Insurer.
Coverage for dependents may be available based on the terms and conditions of the plan selected. View plan details and download insurance certificates, or call 1-844-200-8959.
Baggage and Personal Effects Insurance protects against physical loss/theft or damage of your baggage or personal effects, from the time you leave your home province or territory up to and including your return date. Note that not all plans cover baggage and personal effects. For more information, view plan details and download insurance certificates, or call 1-844-200-8959.
†AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit rsagroup.ca. In this outline, we have given a brief description of just some of the benefits available under AMEX® Travel Insurance. All insurance coverage is subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada and the applicable limitations and exclusions described in the Certificate of Insurance issued upon enrollment. Please read the Certificate of Insurance carefully. AMEX® Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
®, TM: Used by Amex Bank of Canada under license from American Express.
©2022 Royal & Sun Alliance Insurance Company of Canada. All rights reserved. ®RSA, RSA & Design and related words and logos are trademarks and the property of RSA Insurance Group Limited, licensed for use by Royal & Sun Alliance Insurance Company of Canada. RSA is a trade name of Royal & Sun Alliance Insurance Company of Canada.
1Baggage & Personal Effects insurance covers:
- loss, theft or damage to the baggage and personal affects you own and use during your trip up to $1,000 per trip ($3,000 per family per trip), up to a maximum of $300 for any one item or set of items;
- up to $250 towards the replacement expenses for the loss or theft of one or more of the following documents: passport, driver’s license, birth certificate or travel visa;
- up to $400 for necessary toiletries and clothing when checked baggage is delayed by the carrier for 12 hours or more while en route and before returning to your departure point.
Coverage is available for a single trip under the Per Trip Plan and for multiple trips during the year under the Multi-Trip Annual Plan.