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Baggage and Personal Effects Insurance

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, you can be reimbursed 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 $250 towards the replacement costs for important documents, like your passport, travel visa and more.

Delayed baggage

Reimbursement of up to $400 for necessary toiletries and clothing if your checked bag is delayed for more than 12 hours.

Ready? Compare quotes within minutes.Certain conditions, exclusions, limitations, and definitions apply.

Frequently Asked Questions

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 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.

Contact us: 1-844-200-8959
Mon - Fri: 8am-8pm  (EST);
Sat: 9am-5pm  (EST) or get a quote online 24/7
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AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. 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.

©2019 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 plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada. RSA is a trade name of Royal & Sun Alliance Insurance Company of Canada.

†: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

  1. This is not an insurance coverage. Costs associated with any out-of-pocket expenses related to your Travel Emergency Assistance inquiry are your responsibility. Services will be provided as permitted under applicable law and must be authorized and arranged by AXA Assistance.
  2. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
  3. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

* AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. 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.

** Travel Emergency support provided by Global Excel Management Inc.

®, TM: Used by Amex Bank of Canada under license from American Express.