Travel insurance
Does travel insurance cover lost baggage?
As of 28 Oct 2026 (Singapore time)
Yes, up to a limit. All 22 insurers we compare pay for baggage and belongings lost, stolen or damaged during the trip. Limits run from S$800 to S$16,000. Each item has a lower limit, and payouts allow for age and wear. Report a loss to the airline or the police promptly and keep the written report.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers with at least one plan that covers it: 22.
- Cheapest plan that covers it, for one week in Thailand, one adult: Sompo Essential, S$17.70.
- Median price among the insurers that cover it, for the same example: S$43.00.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoYesfrom S$17.70 | Yes | Essential14 of its 14 plansBaggage loss or damage: S$1,000 | S$17.70 |
| MSIGYesfrom S$17.80 | Yes | TravelEasy Lite43 of its 43 plansBaggage loss or damage: S$1,000 | S$17.80 |
| EtiqaYesfrom S$18.90 | Yes | Tiq Travel Insurance Entry39 of its 39 plansBaggage and personal belongings: S$2,000 | S$18.90 |
| HL AssuranceYesfrom S$23.20 | Yes | Travel Assured Plus Basic (no COVID-19 cover)48 of its 48 plansBaggage and personal belongings: S$3,000 (delayed baggage S$100 every 6 hours up to S$800) | S$23.20 |
| Allianz TravelYesfrom S$23.60 | Yes | Allianz Travel Basic18 of its 18 plansBaggage and personal belongings: S$1,000 (S$100 per item; S$250 for valuables in total) | S$23.60 |
| ERGOYesfrom S$27.43 | Yes | ERGO TravelProtect Essential12 of its 12 plansBaggage and personal belongings: S$3,000 per person | S$27.43 |
| Great AmericanYesfrom S$28.34 | Yes | Great Travel Insurance Classic24 of its 24 plansBaggage and personal belongings: S$3,000, including a laptop; jewellery S$100; baggage delay pays S$200 for every 6 hours, up to S$1,000 | S$28.34 |
| FWDYesfrom S$37.08 | Yes | Premium54 of its 54 plansBaggage and personal belongings: S$3,000 | S$37.08 |
| QBEYesfrom S$38.40 | Yes | Travel Prestige Standard Plus20 of its 20 plansBaggage and personal belongings: S$4,000; baggage delay S$100 per 6 hours overseas | S$38.40 |
| Great EasternYesfrom S$40.00 | Yes | Basic13 of its 13 plansBaggage and personal belongings: S$2,500 (S$500 per item) | S$40.00 |
| ZurichYesfrom S$42.00 | Yes | Travel Guard Direct Basic20 of its 20 plansBaggage and personal belongings: S$1,500 (S$1,000 laptop, S$500 per other item) | S$42.00 |
| EQ InsuranceYesfrom S$44.00 | Yes | EQ TravelSafe Basic24 of its 24 plansBaggage and personal belongings: S$3,000 | S$44.00 |
| LibertyYesfrom S$45.00 | Yes | TourCare Plus Standard12 of its 24 plansBaggage and personal belongings: S$3,000 | S$45.00 |
| UOIYesfrom S$49.00 | Yes | UniTravel Value21 of its 21 plansBaggage and personal belongings: S$1,000 | S$49.00 |
| China TaipingYesfrom S$51.00 | Yes | Lite30 of its 30 plansBaggage and personal belongings: S$2,000, including valuables and mobile devices | S$51.00 |
| Tokio MarineYesfrom S$54.00 | Yes | TM Travel Trust Standard30 of its 30 plansBaggage and personal belongings: S$2,500 | S$54.00 |
| SinglifeYesfrom S$55.42 | Yes | Travel Lite78 of its 78 plansBaggage and personal belongings: S$3,000 | S$55.42 |
| ChubbYesfrom S$55.50 | Yes | Economy27 of its 54 plansBaggage and personal belongings: S$3,500 | S$55.50 |
| StarrYesfrom S$58.34 | Yes | TraveLead Bronze21 of its 21 plansBaggage and personal belongings: S$3,000 (S$400 per item, S$1,400 for a laptop) | S$58.34 |
| India InternationalYesfrom S$69.76 | Yes | i-Journey Classic12 of its 12 plansBaggage and personal belongings: S$3,000 | S$69.76 |
| AllianzYesfrom S$72.61 | Yes | Travel Protect Silver30 of its 30 plansBaggage and belongings: S$3,000 lost, damaged or stolen baggage (S$1,000 for high-value items); baggage delay S$1,000; personal money S$100; identification documents S$1,000 | S$72.61 |
| IncomeYesfrom S$73.72 | Yes | Classic36 of its 36 plansBaggage and personal belongings: S$3,000 (laptop S$1,000) | S$73.72 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare travel insuranceQuestions people ask
Does travel insurance cover lost baggage?
Yes, up to a limit. All 22 insurers we compare pay for baggage and belongings lost, stolen or damaged during the trip. Limits run from S$800 to S$16,000. Each item has a lower limit, and payouts allow for age and wear. Report a loss to the airline or the police promptly and keep the written report.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 665 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For one week in Thailand, one adult, Sompo Essential is the cheapest plan that covers it, at S$17.70 today, GST included. The median of each insurer's lowest price is S$43.00.