Does Travel Insurance Cover Jewellery

Travel insurance coverage for jewelry varies widely.

While some policies may include it under personal belongings, it’s not standard.

Policies differ, so it’s crucial to check the details to know if your jewelry is covered.

Is jewelry covered in travel insurance?

Check if your valuables are covered by your travel insurance.

If not, consider getting additional coverage.

Travel insurance coverage for Jewellery
Travel insurance can provide some coverage for jewelry under the coverage for baggage and personal effects: Photo courtesy (Sapling)

If you need to make a claim, contact your insurer.

Note that insurance might not cover cancellations due to foreseeable events like epidemics.

Read the policy details before purchasing.

Is an engagement ring covered on travel insurance

Ensure your travel insurance covers valuable items like your engagement ring.

There might be limits on single item value; if your ring exceeds it, get additional coverage.

Check home contents or travel insurance for coverage; consider personal possessions insurance if needed.

How much does jewellery insurance cost?

It is important to insure your jewelry because it is often very valuable. Jewelry insurance costs about 1-2% of the value of the jewelry per year.

So, a $5,000 ring would cost $50-$100 per year to insure.

You can quickly and easily get a quote for your jewelry items – no personal information required.

You can wear all of your jewelry when you go through airport security, with a few exceptions.

If your jewelry is bulky or contains a lot of metal, it may trigger the alarm, so it’s best to put it in your carry-on, where it won’t set off the metal detector.


Travel insurance does not typically cover jewelry.

You may be able to purchase a rider to your policy to cover jewelry, but it is not included in most standard policies.

Yes, travel insurance typically covers jewellery.

However, it is important to check with your specific insurance provider to see if there are any limitations or exclusions.

Some policies may have a limit on the value of jewellery that is covered, so it is always best to err on the side of caution and declare any items that you plan to bring with you on your trip.


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