When many people think of travel insurance, they think of canceled vacations and lost baggage. The medical coverage offered by package policies is almost an added benefit, especially if you are traveling in your own country.

Travel insurance companies offer what is called a package policy, which includes some travel medical, trip cost, and medical evacuation benefits. This is a very common type of policy due to it’s broad range of coverage. Lost baggage travel insurance would be included in most package plans.

Lost baggage travel insurance coverage and benefits vary by provider

RBC Insurance offer their Deluxe policy with lost baggage benefits of up to $500, while TravelSafe offers their Vacation plan with up to $2500 of lost baggage benefits.

Most other policies are somewhere in between, offering $1000 to $1500 of baggage and personal effects benefits. If you have specific items such as camera or camping equipment and would like to protect them, you can opt for a higher coverage policy.

Also, some homowners policies may provide coverage for some of these items. Check your policy, and if you have adequate coverage for baggage, etc., you can shop for travel insurance with other criteria in mind knowing that your baggage is covered.