A small family of ancillary products covers the property side of travelling.
- Baggage and personal effects: pays for loss, damage, or theft of the insured's baggage and contents during the trip. Subject to per-item sub-limits (jewellery, electronics, cash). Usually requires reporting to police or the carrier within prescribed time.
- Baggage delay: pays the cost of necessary personal items (clothing, toiletries) the insured must purchase when baggage is delayed beyond a threshold (typically 12 or 24 hours) on the way to the destination. Receipts required.
- Flight accident / accidental death and dismemberment (AD&D): pays a lump sum for accidental death or specified dismemberment during a covered flight (or, in broader versions, during any covered travel). Marketed historically as "flight insurance" at airport kiosks; widely misunderstood as a needed product when most travellers' existing life insurance already covers death by any cause.
- Rental car damage / collision waiver: covers the insured's liability to a rental company for damage to the rented vehicle. Often duplicated by credit-card coverage; verify before selling.
These products are typically low-premium add-ons within a comprehensive travel package. The broker's role is to identify coverage already in place (credit card, employer group plan, home contents off-premises extension) before adding stand-alone products.
Common mistake: selling flight AD&D as if it were the only death-coverage path on the trip. Existing life insurance generally covers death from any cause (subject to its own exclusions), making flight AD&D redundant for most travellers.
🧠 Memory hook, "Delay = essentials; Loss = the bag": two different baggage coverages with different triggers.
Recall: When does baggage delay coverage trigger, and what does it pay for? Why is flight AD&D often duplicative of existing coverage?