On domestic flights, checked baggage is covered up to $2,500 per ticketed passenger. On international flights (including U.S. portions of international trips), baggage is limited to approximately $9.07 per pound, up to approximately $635 per checked bag. If you plan to check items more valuable than the standard liability, you may purchase "excess valuation" coverage from the airline, up to $5,000. Be sure to take any valuables or irreplaceable items with you in your carry-on luggage. If you file a lost luggage claim, be prepared to answer detailed questions about the contents of your baggage, and be sure to file a claim immediately, as most airlines enforce a 21-day deadline. Before you leave home, compile an inventory of all packed items and a rough estimate of the total value to ensure you're properly compensated if your luggage is lost. You will only be reimbursed for what you lost, no more. Once you've filed a complaint, persist in securing your reimbursement; there are no laws governing the length of time it takes for a carrier to reimburse you. If you arrive at a destination without your bags, ask the airline to forward them to your hotel or to your next destination; they will usually comply. If your bag is delayed or lost, the airline may reimburse you for reasonable expenses, such as a toothbrush or a set of clothes, but the airline is under no legal obligation to do so.
Lost luggage may also be covered by your homeowner's or renter's policy. Many platinum and gold credit cards cover you as well. If you choose to purchase additional lost-luggage insurance, be sure not to buy more than you need. Buy in advance from the insurer or a trusted agent (prices will be much higher at the airport).
