You can add optional “Baggage” coverage to your travel medical insurance policy. This will provide you with $1,500 coverage for loss or damage to your personal belongings brought with you on the trip. It will also pay up to $200 for personal necessities, if your baggage is delayed beyond 12 hours. There are some limitations on the policy, such as a maximum of $100 for lost cash, and no coverage for cell phones or computers. Be sure to check the policy wording, or talk to a Goose agent, for full details.