The travel insurance coverage for laptops and tablets is isolated to the theft or loss of the traveler’s equipment.
You can read how travel insurance covers theft but it’s important to understand the limitations. It’s also important to understand that when it comes to laptops and tablets, travel suppliers like airlines and cruise lines have disclaimers in their contracts that limit their liability.
Travelers are often the victims of theft in no small part simply because their personal belongings are in the care of so many people along the way.
At any point along their journey, a traveler could lose, be divested of, or destroy their electronic equipment.
Claims for lost, stolen, or destroyed laptops and tablets fall under the travel insurance coverage for baggage whether your equipment was in your carry-on, your backpack, or in your checked luggage. The coverage for your laptops and tablets comes with some exclusions that are important to understand, specifically:
Even if your travel insurance plan has baggage coverage with a high policy limit, the per-item limit is not likely to be enough to replace your laptop or tablet. Even a premium plan with a $3,000 maximum limit often comes with a $600 limit for specific items – including laptops and tablets – so you may not be able to replace your electronics with a travel insurance claim.
Here’s a tip you may not know – you don’t have to rely solely on travel insurance to cover your laptops and tablets. Most homeowner’s and renter’s plans let the insured schedule specific items like these on their home insurance coverage and often up to replacement value.
If you’re traveling with important electronics and want to be able to replace those items if they’re stolen, lost or destroyed, consider covering them with your home insurance plan and use the travel insurance claim to cover the deductible instead. You’ll come out ahead in the long run and you’ll have better coverage for your laptops and tablets.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.