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Home / Travel Insurance / Articles / Does Travel Insurance Cover Expensive Equipment Loss or Damage?
Does Travel Insurance Cover Expensive Equipment Loss or Damage?
TeamAckoJan 12, 2026
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Yes, travel insurance equipment coverage can protect you against the loss or damage of expensive equipment, but only under specific conditions like theft, misplacement or carrier damage. Coverage availability, limits, and eligibility vary across insurers and policy types.
Many travel insurance plans offer partial protection for items such as laptops, cameras, or musical instruments, either as part of standard baggage cover or through optional add-ons. However, compensation depends on factors like per-item limits, depreciation, exclusions, and proof of ownership.
Understanding these terms is essential to knowing how much reimbursement you can realistically expect, so keep reading.
Contents
- What is Travel Insurance Equipment Coverage?
- Travel Insurance Coverages for Equipment Loss
- When Will Your Insurer Not Cover Equipment Loss or Damage?
- Does Travel Insurance Cover The Whole Cost of Equipment Loss?
- How To Claim Travel Insurance Equipment Coverage From Your Travel Insurance Policy?
- The Bottom Line
- Frequently Asked Questions
What is Travel Insurance Equipment Coverage?
Travel insurance equipment coverage in India is a part of the travel insurance policy where you can get financial compensation in case your essential equipment, like laptops, cameras, and other instruments, gets damaged. The policy covers the insured person’s portable equipment, which also includes computer equipment, communication devices, music instruments, etc.
You can claim this insurance for loss caused to your expensive equipment due to any Accidental damage, loss, or theft during the Travel Period.
Travel Insurance Coverages for Equipment Loss
Most comprehensive travel insurance plans cover luggage and personal items, but there are limits that travellers should be aware of. Coverage usually has a lot of limits, which can change how much you can get for a claim.
Per-Item Limit: Even if your total baggage coverage is high, most insurance companies only pay out a certain amount for each item, usually as per policy documents.
Total Valuables Limit: Electronics, cameras, and jewellery are examples of high-value items that often have a combined sub-limit.
Actual Cash Value (ACV): Most of the time, claims are settled based on the depreciated value of the items, not the price they were bought for.
Moreover, standard coverage might not be enough if you are travelling with expensive or professional gear. In these situations, extra protection can be helpful.
Scheduled Personal Property Riders: You can get full-value coverage for high-value items around the world by listing them separately on your home or renter's insurance.
Gadget or Equipment Add-Ons: You can get optional riders that raise the limits on laptops, cameras, and tablets.
Business Travel Insurance: These plans are made for professional equipment, and they may also pay for the cost of renting replacement gear if items are lost or broken while you're away.
When Will Your Insurer Not Cover Equipment Loss or Damage?
Your insurer might not provide financial compensation in the following situations.
If you lose your equipment on an airline, hotel, or other common carrier, they might be responsible for covering the losses. If they are liable for the loss, as per their policy, your insurer might deny the claim under travel insurance equipment coverage.
Your insurer will not provide any financial compensation for loss of stored data or the cost of recreating the data.
Your insurer will not be responsible for covering the loss of equipment if it was caused by the insured’s negligence.
In case your expensive equipment or instrument gets damaged due to detention, confiscation, or distribution by customs, police, or other government authorities.
Does Travel Insurance Cover The Whole Cost of Equipment Loss?
If you are thinking you will get the full invoice price of your equipment back, then that is wrong. The claim amount or reimbursement you receive for your equipment loss under expensive equipment loss travel insurance depends on a few factors. Here is a list of them.
Your insurer will pay the actual loss incurred or a fixed amount, as specified in your Policy documents.
Your insurer will deduct the depreciated value of your equipment. The percentage of depreciation depends on your equipment's age.
You get the actual depreciated value or a fixed compensation amount, whichever is higher.
Here is how ACKO calculates your item’s depreciation in their policy:
Equipment Age | % of Depreciation on Invoice Value |
|---|---|
Up to 1 year | 20% |
More than 1 year, up to 2 years | 40% |
More than 2 years, up to 3 years | 50% |
More than 3 years, up to 4 years | 60% |
More than 4 years | 80% |
Protect your expensive equipment, whether it is a professional camera or a laptop, with equipment cover in the ACKO Travel Insurance Policy. Check Prices Now!
How To Claim Travel Insurance Equipment Coverage From Your Travel Insurance Policy?
To claim a compensation amount under the International travel insurance equipment coverage, you must meet the following conditions:
The insured must provide written proof of ownership or care, custody, and control of the equipment.
The insured person provides a certified copy of the police report filed in case of theft.
The insured person must be able to provide the invoice or bill that proves the purchase date of the equipment and other documents if your insurer asks for them.
The Bottom Line
The fragile, expensive, and easily portable nature of items like cameras, laptops, and tablets makes them highly susceptible to theft or damage. However, buying the right travel insurance policy can cover you for the loss of your equipment up to its current full value. However, always search for travel insurance equipment coverage to read your insurer’s policy for equipment coverage.
Frequently Asked Questions
Are Baggage Loss and Equipment Loss the Same in Travel Insurance?
No, the baggage cover in travel insurance is not the same as travel insurance equipment coverage. Equipment cover specifically covers damage to your expensive equipment, like laptops, cameras, or guitars.
Does the airline cover the loss if my laptop in my baggage gets damaged?
Whether an airline company will pay for the loss ofequipments like a laptop in your baggage, depends on the airline company’s policy. Some airline companies might cover the loss if you meet their specific equipment packaging guidelines.
What comes under Expensive equipments in travel insurance?
Travel insurance equipment coverage includes computer equipment, communication devices, and musical instruments. However, the coverage for specific items might be different for different insurers. Read your policy documents for clear details.
Do all travel insurers offer travel Insurance equipment coverage?
No, not all travel insurers cover equipment loss in their standard insurance policy. However, selective insurers like ACKO cover equipment loss in their standard insurance policy. Some insurers might also have an add-on coverage facility for equipment loss.
Do I get the full value of my valuable items under travel insurance equipment coverage?
No, the insurers that provide travel insurance equipment coverage provide financial coverage of the value of your item or up to a fixed amount as specified in your policy. However, the value of your item will be calculated after deducting its depreciation value.
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.
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