Dear valued customers, as you must all be aware of COVID-19 and the strict protocols which have been implemented nationally, it is important that we continue to provide facilities to look after our current and prospective customers needs. Effective March 18th, 2020, My Insurance Broker closed its corporate offices and has since had all members of its staff and broker partners working from home. Although we maintain a few members of our team to continue to maintain administration functions, our doors continue to be temporarily closed to the public. We can however maintain all your queries through one of our secure alternative channels. Existing Clients: Please call us on our toll-free line or contact your broker directly. Our blog is constantly being updated and will have more information on ways to manage your policy, changes, and requests from the comfort of your home. Check back for this information and other useful tips while managing COVID-19 soon. New/Prospective Clients: Shopping has never been easier through our Online Quoter. Please complete your details online and one of our insurance specialists will contact you to discuss your coverage and premium. All of our agents are equipped to bind coverage over the phone so we’ve got you covered. No paper, no complicated emails or forms. One calls and have your policy in place over the phone! x

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October 4, 2017  •   2 minute read

Baggage & Personal Effects Travel Insurance

What is Baggage Benefit, Damage or Delay & Personal Effects Insurance and what does it cover?

Depending on your travel insurance policy your baggage benefit compensates you for the delay, loss, or damage of your baggage during your trip. The maximum amount payable is indicated on your insurance certificate and covers the entire duration of your trip and each applicable person. You may also be compensated for expenses incurred, if your checked baggage is delayed for over 12 hours while en route or prior to the return of your trip.

Passport or driver’s licence lost or stolen?

Not only will we aid in providing general assistance to rectify the situation, we also cover the reimbursement of expenses to replace valid travel documents including your passport, driver’s licence and birth certificate or visa in the event that they are lost or stolen during your trip.

Example coverage limitations for Baggage Benefit, Damage or Delay & Personal Effects Insurance

Insurance CompanyInsurance OfferedCoverage Amounts in CAD$
ManulifeBaggage Loss or DamageUp to $1,000 per trip. For Multi-Trip All Inclusive Plan, up to $3,000 per policy year
Baggage DelayUp to $500 per trip. For Multi-Trip All Inclusive Plan, up to $1,500 per policy year
AllianzBaggage Loss or DamageUp to $1,000
Baggage DelayUp to $200
Blue CrossBaggage Loss or DamageUp to $1,500
Baggage DelayUp to $500 if delayed 4 hrs. or more
Passport DocumentsUp to $150
GMSBaggage Loss or DamageUp to $1,500
Baggage DelayUp to $400 if delayed 12 hrs. or more
Passport DocumentsUp to $100

Some insurance companies will also allow for the addition of an increased per item limit. For example, if you travel with an expensive gift(s) or other item(s) you may have purchase additional coverage for $500-$1,000. You may specify that you are travelling with sporting equipment which may have a limit of up to $2,000. And, similarly, if travelling with computer equipment such as a tablet or laptop which may have a limit of up to $2,000. Each item or item sets must be specified in addition to the standard baggage benefit, damage or delay & personal effects insurance.

Frequent traveller? Make multiple trips not exceeding 17 days to anywhere in the world.

Why Choose My Insurance Broker for your Travel Insurance?

  • We offer the best travel insurance rates in Ontario for your out-of-province or overseas travel!
  • My Insurance Broker is your one-stop shop for all your travel insurance needs!
  • Partnerships with the most internationally acclaimed travel insurance providers with over 70 years’ experience
  • We provide assistance prior, during and after your trip
  • All-inclusive travel insurance package options including Emergency Medical Care, Trip Cancellation or Interruption, Baggage Benefit, Medical Follow-Up in Canada and more!
  • We offer simple and affordable solutions for all your travel insurance needs. Get cheap travel insurance from Canada’s leading insurance providers!
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