If there is a plane accident, why you should escape without packing your luggage and not saying it is a waste of money.

Even if you don’t sign up for travel insurance in the first place, you don’t have to worry about losing money because the airline will compensate you if you lose your luggage in an airline accident.

It is a matter enshrined in aviation law called the Montreal Convention, and if your luggage is fortunately intact, the airline will return it as is.

People ask what happens if you lose your passport, but usually the moment a major accident like that happens, embassy staff come running at the speed of light to check the safety of the citizens, so you can get a new one.