If you plan to propose on your trip, good for you – and good luck to you! But, please keep the ring with you. All baggage protection – even that offered by the airline – comes with limits. If you store the ring in your bag and check that bag, you could be in trouble if the bag is lost or stolen.
You can read more about what the airlines owe you when your luggage is lost, but the short story is that they won’t cover the loss of a particular item if that item is worth more than  ($150) and it must be accompanied by the original receipt. See how travel insurance covers jewelry.
Travel insurance coverage for individual items is higher, but it’s limited as well – between $600 and $2,000 depending on the policy limits. See the specific limits per plan here.
Your best bet, when traveling with a valuable item is to keep the item with you – on your person or in your carry-on. This can include valuable personal documents or papers, jewelry, and more. You can read more about safe travel tips recommended by the State Department, but the key is to keep your valuables with you and protect your bag at all times.
