[Travel Insurance Mobile Phone Coverage] Lost/Stolen/Broken/Water Damage Covered? Comparison of 5 Major Travel Insurance Coverages

Personal property protection vs. mobile communication device protection

Many people only pay attention to the personal property coverage amount when purchasing travel insurance, but some insurance plans classify mobile phones as mobile communication devices and exclude mobile phones and computers from the total personal property coverage amount. Each policy usually only covers one electronic device.

Theft and accidental damage protection: Does the Monitor cover?

Insurance plans typically cover accidental damage to mobile phones. "Accidental damage" refers to any unforeseen and unforeseen event that directly causes substantial loss or damage to the mobile device, excluding any intentional loss or damage. In short, insurance companies cover damage to mobile phones caused by accidents, such as theft, loss, or accidental drops.

Compensation cap and depreciation for mobile communication equipment

Even if the insurance policy specifies that the mobile phone is covered, the compensation limit for each mobile communication device is usually only $2,000 - $3,000. Moreover, when making a claim, the depreciation value will be calculated based on the age and wear and tear of the device. Even if compensation is received, it can usually only cover part of the cost of replacing the phone with a new one.

*The above information is for reference only as of February 27, 2026. All information is subject to the announcements of the relevant insurance companies.

Scenario 1: Lost or stolen

1. Report the incident to the local police within 24 hours and obtain the police report and other written documents.
2. If your mobile phone is lost while traveling on public transportation, you should also inform the relevant authorities and obtain a report.
3. Pay attention to the claim period (usually within 21 or 30 days after the event), and claim compensation within the specified period. Complete the claim form and attach a comprehensive description of the accident, the items of loss, and the total amount.
4. Prepare a list of items to purchase the lost mobile phone, including the purchase date, price, and model.
5. Gather all documents and mail or submit a claim online.

Scenario 2: Accidental damage

1. Do not discard damaged items yourself; take photos to record the extent of the damage.
2. Report the incident to the local police within 24 hours and obtain a police report form.
3. Pay attention to the claim period (usually within 21 or 30 days after the event), and claim compensation within the specified period. Complete the claim form and attach a comprehensive description of the accident.
4. Prepare purchase receipts, maintenance records, and official repair center quotes or receipts for the damaged items, etc.
5. Gather all documents and submit the claim application by mail or online.

Kwiksure provides different levels of Travel insurance plans. To meet your needs, we offer a comprehensive range of protections, including medical care, accident coverage, and personal property loss coverage, and you can receive immediate assistance. Get a quote and apply for insurance instantly via WhatsApp.

Even though the travel insurance plan covers mobile devices, insurance companies will assess the circumstances and extent of damage or loss before making a claim. When choosing a suitable insurance plan, you can also refer to the Important Notes on Travel Insurance previously released by the Consumer Council and find the most suitable protection plan.

Commonly overlooked item 1: Unattended

Travel insurance only compensates for damage or loss of mobile phones caused by accidents. If the insured leaves their mobile phone unattended in public places such as restaurants or beaches and it is lost, the travel insurance will not provide compensation.

Common exclusions, part two: Negligence

If the insured person leaves their mobile phone on public transportation, such as a car or airplane due to personal negligence and fails to retrieve it, the travel insurance will not provide compensation.

Commonly excluded item 3: Screen/appearance damage

Some insurance plans that cover mobile phones and mobile devices do not cover cosmetic damage, such as damage to the screen or back of the phone that does not affect normal use. This is something to be aware of when purchasing insurance.

Commonly excluded items under warranty, part four: Non-original parts

Travel insurance that covers mobile devices usually only covers the device itself. Unless otherwise specified, non-original accessories such as phone cases and screen protectors are usually not included.