Passport replacement insurance

Passport replacement insurance is a travel insurance benefit that reimburses costs for obtaining a new passport if yours is lost or stolen during a covered trip. Policies from providers like Allianz and Travel Guard typically cover government fees, expedited processing charges, and courier expenses up to $250–$500 per claim.

Insurers require proof of loss, such as police reports or embassy documentation, before approving reimbursement, according to a report from YourInsurance.info. Coverage activates only while traveling outside your home country and excludes pre-existing losses or negligence (e.g. leaving your passport unattended in public places).

Claims must be filed within 20–30 days of the incident according to most US insurers’ terms. Some policies bundle this coverage with emergency assistance services that help locate embassies and schedule appointments.

Reimbursement does not extend to visa fees unless explicitly stated in policy documents from companies like Travelex or AXA Assistance USA. Most plans exclude losses due to confiscation by authorities or fraudulent claims detected during investigation.

Travelers can verify their eligibility by reviewing the “Baggage & Personal Effects” section in their certificate of insurance before departure.