Lost Your Luggage? No Need to Panic—Here’s How to Insure Your Luggage Worldwide

simpego Travel

Luggage lost, vacation mood ruined? Not with simpego!

Thanks to the luggage coverage included in your Home contents insurance, your belongings will travel safely with you—whether you’re heading to a festival in Barcelona or taking a long-distance trip to Tokyo.

Why Luggage Is Covered by Home Contents Insurance

Luggage
coverage isn’t an extra feature of Travel insurance—it’s a smart add-on to your Home contents insurance policy. This way, you enjoy the same worldwide protection you have at home—even when you’re on the go. Travel insurance covers cancellations and emergencies, while home contents insurance covers all your belongings. Two layers of protection, no gaps.


That’s covered 🧳🌍

  • Comprehensive Coverage — if your camera falls out of the overhead compartment on a train or your suitcase shatters at the airport
  • Loss & Misplacement – Can’t find your backpack anywhere? simpego will reimburse you for the new value (up to the selected amount)
  • Shipment Damage & Delays – Airline Loses Your Suitcase: Costs for replacement luggage up to CHF 2,000 per incident are covered
  • Consequences of theft—if your suitcase is broken into, simpego will even cover the cost of replacing the locks at your home, up to CHF 1,000
  • Insurance coverage: freely selectable—up to CHF 10,000 per Policy.
  • Coverage: Worldwide for any personal trip, including weekend getaways.

Covered in a flash—comprehensive luggage protection with just a few clicks

  • Select “Luggage” as your coverage in the online premium calculator—it takes less than 3 minutes.
  • Set the coverage amount and excess—up to CHF 10,000, depending on the value of your equipment
  • Enjoy your vacation—and if something does go wrong, we’re here for you 24/7!

Click “Customize Product” on the coverage proposal to insure your luggage as a standalone policy.

Everyday Math
Example

  • On the flight from Zurich to Lisbon, your suitcase containing clothes and a laptop (worth CHF 4,500) goes missing. You buy the essentials for CHF 800.
  • simpego will immediately reimburse replacement purchases (CHF 800).
  • After 21 days, the suitcase is officially considered lost—you’ll receive the new value minus the excess (CHF 4,500).
  • Your vacation is saved—and so is your wallet.


Tips for Even More Security 🔒

  • Take photos of receipts—it makes claims processing easier.
  • Tracking tag in the suitcase—helps locate it and saves time.
  • Upgrade Tip: Combine travel luggage coverage with trip cancellation coverage—that way, both your trip and your luggage are fully protected.

Quick Answers to Frequently Asked Questions

Everything you carry with you on the go in your suitcase, backpack, or gym bag—from a T-shirt to a laptop.

Except for jewelry: Jewelry is excluded; in this case, it’s worth getting separate coverage for valuables.

Worldwide—whether it’s a city trip to Berlin, a weekend getaway to Ticino, or a long-distance trip to Thailand. Important: Your luggage may remain outside your place of residence for no more than 2 years.

Yes, you set it when you close the deal.

💡 Tip: The higher the excess, the lower the premium.

Up to the insured amount specified in the contract (which can be chosen freely, up to a maximum of CHF 10,000).

If replacement luggage is necessary following damage, an additional amount of up to CHF 2,000 per incident is provided.

Yes. Damage resulting from loss or delayed delivery by an airline or railroad is covered under the policy.

Coverage applies in the event of burglary, robbery, or simple theft—such as pickpocketing in a crowd. Report the loss to the police immediately and keep a copy of the police report.

No—your daily commute to work does not count as travel, so the luggage coverage does not apply in this case.

Yes, the coverage applies to your skis, surfboard, or kiteboard and other sports equipment as part of your checked baggage.

Coverage does not apply during competitions, in cases of normal wear and tear, or if you fail to exercise due care (locking/securing).

1️⃣ Report a claim online or call us.

2️⃣ Upload receipts/police reports.

3️⃣ Keep your receipts for replacement purchases. We’ll take care of the rest 🚀.

Your next step:

When Your Trip Falls Through: Why Trip Cancellation Insurance Is Worth Its Weight in Gold

Your safety net—not just for long trips, but also for spontaneous weekend getaways and day trips that require admission.

Discover it now!