Do I need lost luggage insurance?

No. The O-1 visa does not require lost luggage insurance, and there is no immigration requirement to purchase any specific travel insurance to enter the United States. This type of coverage is entirely optional and has no bearing on the review or approval of your visa.

That said, a policy covering lost or damaged baggage can provide peace of mind, especially if you travel with valuable items or make frequent trips for tours, events, and temporary work tied to your extraordinary ability.

If you decide to purchase coverage, carefully evaluate:

• what the policy actually covers in the event of loss or damage;
• the limits, timeframes, and deductibles in each clause;
• the insurer’s reputation before signing.

This is a matter of personal convenience, not an O-1 requirement. For the documents that truly matter to your case, always follow official guidance and, when in doubt, consult a specialist.

About the author

Victoria Harper

Editor-in-Chief

Meet the author

As a journalist and lead editor at Visto n’ Visa, Victoria helps ensure that immigration topics are covered in a clear, trustworthy, and easy-to-understand way. Her focus is on delivering useful, human, and relevant content for people exploring new paths abroad.