Lost passport coverage

Lost passport coverage is a travel insurance benefit that reimburses costs for replacing a lost or stolen passport during a trip. Policies from providers such as Allianz and AXA typically cover fees for emergency replacement, with limits averaging $100–$250 per claim, according to documentation from the Insurance Information Database.

Insurers require documented proof of loss, like police reports or consular receipts, before processing claims. Coverage excludes losses due to negligence, such as leaving your passport unattended in public spaces (e.g. airport lounges).

Most plans specify that reimbursement applies only to government-issued replacement fees and not expedited courier charges. Claims must be filed within deadlines set by insurers–commonly 20–30 days after the incident–according to policy documents from Travel Guard and Generali Global Assistance.

Lost passport coverage often includes assistance services, such as helping travelers locate the nearest embassy or consulate for urgent reissuance. Some policies exclude coverage if the loss occurs in excluded countries listed on the U.S.

State Department’s travel advisory list (examples: North Korea, Syria).