Not all travel insurance include compensation when you lose your mobile phone. Loss of personal items may have a coverage limit per item regardless of its purchase price. Some plans only cover the actual cost of the item so it is important to look into the specific details. In some plans, higher coverage is offered when a greater premium amount is paid.
If personal items are lost or stolen during the trip, report the loss of your personal items to the local police within 24 hours. Retain supporting documents and original receipts for an insurance claim. Claims are reviewed and the insurer may refuse your claim if the loss of your personal belongings is due to the owner’s negligence.