Baggage claims for insurance companies
We partner with insurers on delayed, damaged and lost baggage recovery. Skip manual claim uploads — connect via our API and let us pursue airlines under the Montreal Convention.
Built for insurer workflows
When policyholders are reimbursed for baggage disruption, insurers often need to recover costs from the airline. That subrogation work is document-heavy, deadline-sensitive (Montreal Convention Article 31), and slow when every file is uploaded by hand.
BaggageRefund.com works with insurance companies to streamline baggage recoveries: we handle carrier correspondence, monitor Article 31 complaint windows, and return outcomes so your teams stay focused on policyholders — not airline portals.
API instead of manual uploads
We offer an API so insurance companies can submit baggage claims programmatically — avoiding repetitive manual uploads into claim forms. Push structured claim data, documents and references from your claims system; we take it from there.
Whether you need batch submissions, status webhooks or a guided onboarding for your ops team, contact us to discuss integration. The goal is simple: fewer clicks for your staff, faster files with the airline, and clearer recoveries.
Our baggage recovery expertise
Airline baggage claims sit at the intersection of Montreal Convention rules, carrier procedures and evidence requirements. We specialise in that niche so insurers do not have to.
- Article 31 deadline tracking (7-day damage / 21-day delay complaints)
- PIR, tags, receipts and proof-of-loss packaging for airline submission
- Direct correspondence and follow-up with carriers
- Status monitoring until the file is resolved or exhausted
Outsourcing baggage subrogation to BaggageRefund reduces admin load and helps protect recoveries that would otherwise miss short Convention deadlines.
What we cover for insurers
Our insurer partnership focuses on checked-baggage disruption recovery:
- Delayed baggage: Recover essential purchases and related losses when bags arrive late — with 21-day complaint discipline.
- Damaged baggage: Pursue repair or replacement costs with photo evidence and 7-day written complaint support.
- Lost baggage: Build and pursue loss files with PIR references, inventories and Convention liability limits in mind.
- API-connected intake: Submit claims from your own systems so adjusters avoid manual portal uploads.
Need flight, rail or ferry disruption recovery as well? Our sister brands TicketRefund, TrainRefund and FerryRefund cover those verticals under the same group.
Benefits for insurance companies
- Less manual work: API intake removes repetitive form filling and document re-uploads.
- Deadline protection: We emphasise Montreal Convention Article 31 windows that commonly bar late complaints.
- Specialist handling: Baggage files are handled by a team that does this every day — not as a side task.
- Clear partnership: Contact our B2B team for volumes, SLA expectations and technical onboarding.
Your claims handlers stay with customers and coverage decisions; we chase the airline on baggage recovery.
Why BaggageRefund for insurers
BaggageRefund.com is operated by Online Travel Media B.V. — the same group behind TicketRefund, TrainRefund and FerryRefund. We combine passenger-rights know-how with practical airline claim operations.
If your portfolio includes travel or baggage cover, we are ready to discuss an API integration and a recovery workflow tailored to your book of business.
Talk to our B2B team
Insurance companies: ask about API access, sample payloads and how we avoid manual claim uploads for your adjusters.