In Luoyang, luggage lost, delayed or damaged—does insurance pay?

[Direct conclusion] 【Travel insurance with baggage cover pays loss/damage, and flight-delay late baggage gets a 'baggage delay' allowance; but cash, documents and fragile valuables are mostly excluded, and carrier proof of loss is required.】 Cover: Baggage cover is small-money big-use; lost docs aren't covered—handle separately. Key points to keep in mind: 1. | Item | Covered | |---|---| | Loss | yes (proof) | | Delay | allowance (overtime) | | Damage | partial | | Cash/docs | mostly no | ◆ Tip: valuables onboard; keep check-in receipt; get airline proof on delay. 2. For baggage issues call to help contact and handle. 3. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Travel insurance is a supplement, not a substitute for a health check. 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.