Why Trust MoneySmart?If you hold an Allianz-branded travel insurance policy sold in Singapore, these plans generally do provide cover for lost, stolen or damaged baggage and personal items during your trip.
However, the precise level of cover—including limits, benefit caps, and eligible scenarios—depends on the specific Allianz travel plan and tier you’ve purchased. It’s important to review your policy document or certificate of insurance for the exact details relevant to your cover.
Here’s a summary of the main benefits and coverage components for luggage and personal effects under typical Allianz travel insurance plans:
Overall baggage cover:
Coverage for lost, stolen, or damaged baggage, usually with an aggregate limit varying by plan—indicatively between S$3,000 and S$10,000.
Per-item and category sub-limits:
Each item often has a sub-limit (e.g. S$500 per item) and specified caps for high-value items like jewellery or electronics (e.g. up to S$1,000 combined limit).
Baggage delay benefit:
Reimbursement is available if your checked luggage is delayed by a carrier (such as an airline or cruise operator), commonly after a minimum delay of 6 hours. Indicative benefit limits: S$1,000–S$1,600 per trip.
Lost or stolen personal money:
Limited reimbursement for lost or stolen cash, typically up to S$100–S$500 per policy, depending on plan tier.
All figures above are based on published ranges from current Allianz Travel Protect plans in Singapore (Bronze, Silver, and Platinum tiers); actual payouts depend on the policy you choose.
Important considerations:
Coverage varies by plan type: Each tier (e.g. Bronze, Silver, Platinum) comes with its own benefit limits and conditions.
Claims process: Lost or stolen items should be reported promptly (usually within 24 hours) to the relevant party (airline, police, etc.), and you must keep supporting documents for your claim (such as reports and receipts).
Exclusions: Policies have exclusions—some items or types of loss (e.g. unattended or unsupervised property, wear-and-tear, certain valuables) may not be covered as described in the policy wording.
💡 MoneySmart Tip |
Use trusted online comparison tools like MoneySmart's travel insurance comparison to explore coverage limits, premiums, and policy features across leading insurers in Singapore—helping you find the right insurance plan for your trip, quickly. |
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