Is lost or damaged luggage covered by insurance in Luoyang?

[Direct conclusion] 【Regular accident mostly excludes luggage; for cover buy a travel policy 'with personal property / baggage delay', or credit-card attached travel-inconvenience cover. Key points to keep in mind: 1. Checked loss follows airline rules first (carrier), insurance as supplement.】 Coverage channels: Four actions: ◆ Split liability: checked → airline, theft → property-inclusive. 2. ◆ Keep proof: baggage tag, check slip, police report. 3. ◆ Buy property-inclusive: plan valuables, buy travel policy with personal property. 4. ◆ Don't bring extremes on tour: split documents/valuables to cut risk. Note: Read the coverage and the exclusions before purchasing. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.