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Does Travel Insurance Cover Lost Jewelry? Here's What You Need to Know

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Picture of passports, travel insurance papers, sunglasses, a starfish, and a hat

Whether it's a simple pair of diamond studs or a sentimental family heirloom, losing your jewelry while on vacation can be devastating. It’s unfortunate, but even with travel insurance, misplacing or losing your jewelry on a trip could mean your piece is gone forever. In this article, we’ll take a closer look at travel insurance coverage for lost jewelry and discuss how Jewelers Mutual’s Jewelry Insurance may be a better option for you.  

While travel insurance is a great option for covering unexpected incidents during your trip, it is important to note that lost or stolen jewelry may or may not be covered.  

While it depends on the specific policy you purchase, it’s important to note that travel insurance may have certain limitations compared to a dedicated jewelry policy. For example:

  • Travel insurance may not cover lost, stolen or damaged jewelry.
  • If you lose or damage your jewelry while on vacation, you could only receive a fraction of its actual value from travel insurance.
  • Travel coverage may have a per-item limit.
  • Jewelry may not even be covered in your travel insurance policy.

It's always a good idea to review your policy or speak with your insurance provider to find out if your jewelry is covered, and to what extent your jewelry is covered, before embarking on your travels.

 

Other Types of Insurance to Cover Jewelry While Traveling

At Jewelers Mutual Group, we offer specialized jewelry insurance that protects your jewelry from theft, loss, damage and even disappearances. Unlike travel insurance, this coverage protects your jewelry both on and off your trip. 

Our comprehensive coverage goes beyond what is typically offered by travel insurance policies, even extending to international travel, ensuring your jewelry may be protected while you journey around the world.

Here are some other benefits of our jewelry insurance:

  • Worldwide coverage while traveling: Whether you're traveling domestically or abroad, your jewelry is protected.
  • Quick claims process: Our claims process is easy and efficient, so you can get back to enjoying your vacation.
  • Budget-friendly: With Jewelers Mutual Group, you can choose from a range of deductibles with options starting at $0.

 

Tips for Traveling with Jewelry

In addition to getting jewelry insurance, here are some tips for traveling with your jewelry safely:

  • Wear your jewelry or keep it in your carry-on: Keeping your jewelry on your person or in your carry-on can reduce the chances of it being lost or stolen.
  • Keep it secure: Use a jewelry case or a re-sealable bag to keep your jewelry organized and secure while traveling.
  • Document everything: Make sure you have photos and documentation of your jewelry's value before you leave on your trip. This will make it easier to file a claim in the event of loss or theft.

For more tips on keeping your jewelry safe as you prepare for takeoff, check out Jewelers Mutual’s How To Travel with Jewelry Guide.

Traveling with jewelry can be risky, but it doesn't have to be. While travel insurance may not always cover lost jewelry, getting specialized jewelry insurance from Jewelers Mutual Group can give you peace of mind while on the go. With our comprehensive, worldwide coverage while traveling, you can travel confidently knowing your precious items are protected. So, check your rate to insure your jewelry and enjoy your next trip worry-free. 

 

 

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About Jewelers Mutual Group

Jewelers Mutual was founded in 1913 by a group of Wisconsin jewelers to meet their unique insurance needs. Later, consumers began putting their trust in Jewelers Mutual to protect their jewelry and the special memories each piece holds. Today, Jewelers Mutual continues to support and move the industry forward by listening to jewelers and consumers and offering products and services to meet their evolving needs. Beyond insurance, Jewelers Mutual’s powerful suite of innovative solutions and digital technology offerings help jewelers strengthen and grow their businesses, mitigate risk, and bring them closer to their customers. The Group insurers’ strong financial position is reflected in their 37 consecutive “A+ Superior” ratings from AM Best Company, as of November 2023. Policyholders of the Group insurers are members of Jewelers Mutual Holding Company. Jewelers Mutual is headquartered in Neenah, Wisconsin, with other Group offices in Dallas, Texas and Miami, Florida. To learn more, visit JewelersMutual.com.