Personal Equipment Cover
Coverage for high-value personal equipment — camera bodies, lenses, binoculars, drones — beyond standard baggage limits. Offered by some insurers as a gear extension with declared values per item.
Standard baggage benefits treat a $12,000 lens the same as a suitcase of clothes, which is to say: badly. Equipment cover fixes this by letting you declare specific items at their real value, usually with proof of purchase, raising limits to $20,000–$50,000 with safari-specialist insurers.
Confirm three things: theft from a vehicle is covered (a classic exclusion), damage in transit on light aircraft is covered, and the deductible per claim is one you can live with. Drone owners should also check for aviation-related exclusions on the drone itself.