Health and Baggage Insurance
Compare policies that include medical and baggage coverage, discover the coverage limits and choose before you leave.
Medical expenses and lost baggage are among the most common mishaps when traveling. Insurance that covers both protects you from health emergencies as well as from the loss or damage of your personal belongings. Coverage limits and conditions vary greatly from policy to policy. CoverMyTrip lets you compare them all in one place, so you can choose the one that is truly complete for your trip.
What is health and baggage insurance for?
When you travel, the most frequent mishaps involve your health and your baggage. A medical emergency abroad can cost thousands of euros, while lost or damaged baggage can ruin your entire travel experience. Health and baggage insurance covers you on both fronts: medical expenses, hospital stays, medical repatriation, as well as compensation for lost, stolen or damaged baggage. On CoverMyTrip you can compare the available policies and understand which coverage limits are truly adequate for your destination.
Complete coverage for health and baggage
The best insurance policies include both medical expenses and medical repatriation, as well as compensation for lost or damaged baggage. Compare the coverage limits before you choose.
Insurance in your pocket
From your CoverMyTrip Reserved Area you can access your insurance at any time, with useful contacts already saved in case you need them.
Dedicated 24/7 support
In the event of a medical emergency or baggage problems, having a number you can call at any time makes all the difference. Always check that the policy includes an operations center available 24 hours a day.
What should a good health and baggage insurance policy cover?
Before purchasing a policy, it is useful to understand which coverages are truly relevant to your trip. Health and baggage insurance policies vary greatly: some are essential, others offer additional protections that can make all the difference.
The 4 main coverages to compare:
Medical expenses while traveling
Reimbursement of medical visits, hospital stays, surgical procedures and emergency care abroad. This is the most important coverage, especially for destinations outside Europe where healthcare costs can be very high. Always check the coverage limit: for the USA or Southeast Asia, ideally it is best to always be above €500,000. It also includes medical repatriation in the event of conditions that require returning to Italy.
Extension of stay
Coverage of extra food and accommodation costs in the event of mandatory quarantine, illness or other unexpected events that force you to stay at your destination longer than planned. This is a coverage that is often underestimated but can significantly affect your real costs, especially if you have to extend your stay in expensive hotels.
Baggage
Compensation in the event of loss, theft or damage to your baggage during the trip. Some policies also cover delivery delays, reimbursing the purchase of essential items while you wait for your baggage. Coverage limits typically range between €1,000 and €3,000: always check what is included and whether there are limits per individual valuable item.
Travel assistance
24/7 operational support to handle medical emergencies and baggage-related matters: guidance toward healthcare facilities, assistance with lost-baggage claims, advance payment of hospital expenses, delivery of urgent medications and medical consultation by phone. A service that makes all the difference when you find yourself in trouble in a foreign country.
Health and baggage insurance: everything you need to know
Choosing health and baggage insurance often raises doubts, especially for those who don’t do it regularly. We have gathered the questions travelers ask most often: from choosing the right policy to the cases in which coverage really comes into play. If you can’t find the answer you’re looking for, you can write to us at help@covermytrip.it and we will reply as soon as possible.
Frequently asked questions
How to ask for assistance when needed?
Every policy includes the contact details of the operations center. From your CoverMyTrip Reserved Area you can always find the number to call, available 24 hours a day, regardless of the country you are in. In the event of a medical emergency or baggage problems, always contact the operations center to activate the necessary procedures and receive immediate support.
What is health and baggage insurance for?
When you travel, the most frequent mishaps involve your health and your baggage. A medical emergency abroad can cost thousands of euros, while lost or damaged baggage can ruin your entire travel experience. Health and baggage insurance covers you on both fronts: medical expenses, hospital stays, medical repatriation, as well as compensation for lost, stolen or damaged baggage. On CoverMyTrip you can compare the available policies and understand which coverage limits are truly adequate for your destination.
What does health and baggage insurance cover?
Baggage coverage provides compensation in the event of:
- Total loss: If your baggage is not found within a specified period (usually 21 days), you receive a refund up to the maximum coverage limit.
- Theft or damage: If your baggage is stolen or damaged during the trip, you can claim a refund to repair or replace your items.
- Delivery delay: Some policies reimburse the purchase of essential items (clothing, toiletries) in the event of a baggage delivery delay exceeding a certain number of hours.
- Limits and deductibles: Every policy has overall coverage limits and limits per individual item. Valuable items such as jewelry, electronics or documents may have specific limitations. Always check the details before purchasing.
How to ask for assistance when needed?
The main coverages are: medical expenses for visits, hospital stays and emergency procedures, medical repatriation, lost, stolen or damaged baggage, extension of stay and 24/7 operational assistance. Policies vary greatly in coverage limits and exclusions: comparing the available options is the most effective way to avoid being caught unprepared.