If all your jewelry goes missing during your flight, should the airline pay for it?

If you take $158,000 in jewelry on a flight and it goes missing, who pays?

Traveling with $158,000 worth of anything is a risky endeavor. Rose Cohen found out just how risky when all her high-value jewelry went missing during her recent JetBlue flight.

She believes an organized crime ring targeted her, ultimately forcing her to gate-check the bag that contained the jewelry. Her theory? This move allowed the thieves to help themselves to her gems before the flight even took off.

Elliott Advocacy is underwritten by Generali Global Assistance. Generali Global Assistance has been a leading provider of travel insurance and other assistance services for more than 25 years. We offer a full suite of innovative, vertically integrated travel insurance and emergency services. Generali Global Assistance is part of The Europ Assistance (EA) Group, who pioneered the travel assistance industry in 1963 and continues to be the leader in providing real-time assistance anywhere in the world, delivering on our motto – You Live, We Care.

Now she wants to know who is going to pay for her loss.

Unfortunately, she’s not going to like the answer.

Cohen’s tale is a cautionary one for anyone who regularly travels with high-value items. If you’re flying with expensive property and assuming the carrier will cover your valuables if something goes wrong, you’re in for a shock.

Taking a flight with a dog, a wheelchair — and $158,000 of jewelry

Last spring, Cohen, her little dog, and her daughter were on their way from Palm Beach, Fla., to JFK. They checked in for their JetBlue flight with plenty of time to make it through security.

Cohen says she was navigating the airport in a wheelchair with her puppy and carry-on bag on her lap.

She describes what was in that bag:

Well, I had a 5-carat diamond marquise engagement ring w/ 2 baguettes set in platinum and a 3.5-carat wedding band containing baguettes and round diamonds in white gold. The combined value was $158,000. I also had some other miscellaneous jewelry and some dog food in that bag.

The family breezed through security and arrived at the gate with no problems.

As they sat waiting for the flight to board, Cohen clutched her carry-on that contained the $158,000 in jewelry — and the dog food, too.

She had no idea that an employee was about to separate her from that bag.

Jetblue: You can’t carry this bag on the flight

As Cohen was traveling in a wheelchair, she was one of the first passengers to be called for boarding. She didn’t expect any problems, but that expectation soon changed.

Then as I boarded the plane, a JetBlue baggage handler came out of the side door. He grabbed my carry-on and said there was no room in the overhead compartment. He handed my daughter a claim ticket, and left with my bag.

FYI: If you’ve got $158,000 in jewelry in a bag and someone grabs it, it’s time to speak up. Do not allow anyone to walk away with your valuable items. Don’t be shy!

Unfortunately, Cohen says she didn’t speak up. She allowed the employee to disappear with the bag and all of her jewelry.

Cohen and her daughter boarded the plane and flew to JFK. Upon arrival, her carry-on was waiting for her at the gate.

She says she didn’t notice for hours that the bag no longer contained its valuable contents.

Sidenote: If you realize that you left tons of costly jewelry in a bag that you gate-checked, take a look inside that bag as soon as you get it back. Waiting for hours to check on your valuables is unwise.

The dog food was there — but the jewelry was gone.

“All my jewelry went missing during this flight!”

A little while after arriving home, Cohen started to unpack.

When I was going through my clothing, I noticed my cosmetics bag that had contained the jewelry was missing. I called my daughter, who immediately came to my home to help me calm down and stop hyperventilating. She called JetBlue and reported the theft, and filed a claim.

Calming down slightly after her daughter made the report, Cohen was in for a bigger shock the next day.

That’s when JetBlue responded to her complaint and rejected it.

“The agent told me that JetBlue is not responsible for missing jewelry or lost items on flights,” Cohen recalled. “He offered me a $300 voucher for my inconvenience.”

The offer only made her angrier.

“I don’t want the $300 voucher,” she told the agent. “I want my jewelry back!”

JetBlue reiterated that it wasn’t responsible for the missing jewelry that she had lost during her flight.

Filing a police report over the missing diamonds

Cohen’s next step was to file a police report with the Palm Beach police department — the last place she had seen her jewelry.

The police in Palm Beach took Cohen’s report. But despite her daily calls for updates on the investigation, her jewelry remained missing months after the flight.

“I asked them to go to pawn shops and review videotape at the airport,” Cohen lamented. “They didn’t do any of that. This is awful.”

In frustration, Cohen then filed a request for help to our advocacy team. On her intake form, she offered a theory that a wide criminal theft ring was operating at JetBlue.

I need help! I believe they targeted me throughout the airport. It wouldn’t be too hard to imagine that at security, they alerted the rest of the team that a lady with a little dog on her lap in a wheelchair has lots of jewelry in her bag.

So I want to see these people investigated. Primarily, look at the baggage handler who took my bag without suggesting that I remove anything of personal value. That makes this robbery look all the more like an organized crime. BTW, my neighbor told me that her sister just returned from Arizona on JetBlue, and they stole a $700 pair of Chanel shoes from her. She didn’t even bother filing a complaint.

Unfortunately, as soon as I read Cohen’s complaint, I knew that there was no way we could successfully mediate her case.

The Jetblue contract of carriage doesn’t cover lost jewelry

The contract of carriage for JetBlue — and every other domestic airline I’m familiar with — excludes the airline from liability for luxury items. In fact, the airlines specifically warn passengers not to pack high-value items in any checked bags.

And jewelry is just one of many unusual items that JetBlue will not be held responsible for, should you decide to travel with and check these items. (FYI — don’t pack your diamond rings or your deer antlers either! Who knew?)

Carrier will not accept for carriage medicines, money, checks, securities, jewelry (including watches), wigs, cameras, video, audio, and other electronic equipment (including computers, software, or music devices), CDs, DVDs, automotive parts, boat parts, silverware, optical equipment (including contact lenses), dental and orthodontic devices or equipment, keys, negotiable papers, securities, business documents, samples, items intended for sale, paintings, antiques, artifacts, manuscripts, animal antlers, furs, irreplaceable books, writing instruments, heirlooms, collector’s items or publications and similar valuables contained in checked or unchecked baggage. Excess valuation may not be declared on any such items.
Passengers are encouraged to carry such valuable items personally.

In the case of domestic transportation, if any valuable items of the type described in this paragraph are lost, damaged, or delayed, Passenger will not be entitled to any reimbursement or compensation from the carrier, whether or not a limited liability release has been signed by Passenger. (JetBlue Contract of carriage, checked luggage liability limitations)

Insurance can’t cover the jewelry that went missing during the flight

As I was preparing to give Cohen the bad news and offer some guidance about filing an insurance claim, I re-read her complaint.

That’s when her tale became even darker.

“I can’t file an insurance claim because I don’t have a current rider for the jewelry,” Cohen explained. “The limit that the insurance will cover is $1,000.”

Yikes!

And now, I had no further guidance to offer.

Traveling with $158,000 of uninsured jewelry and handing it off to a stranger at the gate is a gamble no one should take.

I had to break the news to Cohen that this was not a case we could successfully resolve. There was no way that I could bring her unsupported accusations to JetBlue. And as a consumer advocacy team, we do not have the resources to investigate possible crimes.

We are not able to investigate crimes. The police departments that you have involved in your complaint do have the capacity to investigate.

From a consumer advocacy team’s point of view, there isn’t anything that we could do in this case. There are very low limits concerning what the airlines are liable for if your checked personal belongings go missing during a flight. In fact, most airlines, including JetBlue, put this information in the contract of carriage. These terms and conditions exclude jewelry and other luxury items from airline liability. You must always keep these items with you during your flight. I can only recommend that you continue to work with the authorities and with your personal insurance company. Our team would not be able to interfere in that investigation. 

Although we can’t help Cohen, we hope that by telling her story, we’ll stop someone else from making the same mistake.

Things to consider before you decide to fly with your jewelry or other valuables

If you’re a person who insists on traveling with your jewelry, here are some things to keep in mind before your next flight.

  • Never pack high-value items in checked bags.
    Jewelry isn’t the only thing that you should never put in a bag you intend to check. You should never pack anything of high monetary or personal value in your luggage. That means family heirlooms, irreplaceable trinkets, electronics, and medicine, among other things. Before placing something in your luggage, ask yourself this: If you never saw that item again, would you be OK? If the answer is no, then don’t put it in your checked bag.
  • Wear your jewelry.
    There is no doubt that wearing your jewelry is the safest way to travel with it. In most cases, you won’t need to take it off when you pass through security. Keep in mind, that if you aren’t wearing your gems, the bag containing them will go through the TSA scanners, revealing the contents. If you’re concerned that crime rings might be canvassing the airport looking for victims, wear your jewelry, keeping it on your body at all times. (Of course, leaving it home is even better.)
  • Consider airline liability limitations.
    Before you go traveling with $158,000 in jewelry, you should familiarize yourself with airline liability limitations. For domestic flights, the Department of Transportation currently sets that limit at $3,800 for missing or damaged items in checked luggage. But you must also review your airline’s contract of carriage, which often specifically excludes liability for luxury or high-ticket items. Note: The DOT does not require airlines to reimburse for items that the airline’s contract of carriage specifically excludes. For international flights, the Montreal Convention applies for lost and damaged bags. The current limitations are lower — around $1,750 per passenger.
  • Check the baggage rules of your ticket.
    To avoid surprises at boarding, ensure that you’ve reviewed the baggage rules for your specific ticket. You don’t want to get caught off-guard, faced with a last-minute handover of your bags at the gate. As Christopher pointed out in his recent article about JetBlue’s change in policy for carry-ons, your ticket may not allow any carry-ons at all. If that’s the case, you’ll want to be prepared and have your valuables on your body.
  • Verify your insurance.
    Of course, anyone who owns high-value jewelry knows the importance of insurance. Before taking a trip with your gems, you’ll want to ensure your insurance coverage is current and has not lapsed. It’s also a good idea to get your jewelry regularly appraised to make sure that you’ve insured it for its total value. If your jewelry goes missing while you’re traveling, you don’t want to get an unpleasant surprise after the fact and find out you’re not actually covered for the loss.
  • Photograph all the items in your bags.
    It’s a good idea for you to take photos of all of the things you’ve packed in your suitcase. This doesn’t just apply to high-ticket items. Most airlines will ask you to fill out an itemized list of lost items when you make a claim. Should you need to file a claim later, having photographs of everything will make that process easy.

What to do if your jewelry goes missing on your flight

Here’s what you need to do immediately if you discover your jewelry has gone missing during your next flight.

  1. Call the local authorities at your destination and origin city.
    If, despite all of the above guidance, you’ve checked a bag with high-value jewelry and it’s gone missing during your flight, you need to file a police report ASAP. For most insurance policy claims, this is a required step to file a claim. Since you’ll have no way of knowing exactly where the items went missing, you’ll want to file a police report at the location where you last saw your jewelry and at your destination city.
  2. File a missing items claim with the airline.
    You will need to file a missing items claim directly with the airline. Do not leave the airport before you’ve checked your bags for missing high-value items. This is especially true if you’ve been suddenly asked to gate-check a bag that contains things you shouldn’t have checked in the first place. If you wait until you get home to verify you have everything, the airline (and insurance company) may reject your claim.
  3. Call your insurance company immediately.
    You must inform your insurance company as soon as you discover your jewelry is missing. In most cases, the insurance company will work in tandem with the authorities. The company has a vested interest in recovering your jewelry, so it may help the investigation along.
  4. File a complaint with the Department of Transportation.
    If you believe that an organized crime ring has victimized you during your travels, you can file a report with the Department of Transportation. The DOT regularly compiles a list of complaints against the airlines. When the same complaint against the same airline is logged repeatedly by various passengers, it will raise the likelihood of a broader investigation than a single complaint would trigger. It doesn’t cost anything to file a complaint with the DOT, and the airline will be required to answer you. Here’s how to file a complaint directly with the DOT.
  5. Don’t exaggerate your claim.
    Finally, it’s important to remember that filing a lost luggage claim is not meant to be a cash bonanza for passengers. A quick way to have your claim tossed out entirely is to make outrageously valued claims that aren’t supported by facts. (See: You should not make a $16,000 damaged baggage claim. This is why.) Make sure to keep your claim value reasonable and back it up with receipts, photos, and other documentation keeping in mind those airline liability limitations. (Michelle Couch-Friedman, Elliott Advocacy)
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