Which insurance coverage should be included for clients needing coverage for travel expenses after losing a passport?

For clients seeking coverage for travel expenses resulting from the loss of a passport, trip delay insurance is the most relevant type of coverage. This form of insurance typically reimburses costs incurred when a traveler experiences delays that disrupt their itinerary. Losing a passport can lead to significant travel interruptions, including delays in getting the necessary documentation to continue the trip.

Trip delay insurance specifically addresses expenses that might arise during such situations, such as accommodations, meals, and transportation costs that were necessitated by the delay in travel. This makes it a suitable choice for clients facing the challenges of lost travel documents.

In contrast, trip interruption insurance is designed for situations where a traveler must cut their trip short due to unforeseen events, not necessarily for expenses incurred after losing a passport while traveling. Baggage coverage pertains to lost or damaged luggage, and trip cancellation insurance protects travelers from losing deposits when they cancel their trip before departure. Neither of these options directly addresses the expenses related to issues caused by a lost passport while traveling.