Hearing Aid Coverage Under Home Contents Insurance: What Is and Isn't Covered?

When is your hearing aid covered by insurance?

A hearing aid is covered as long as you have home contents insurance. This is because it is a movable item—you can easily take it with you, so it is not attached to the house. With home contents insurance, you are automatically covered for damage caused by, for example, fire, smoke, water damage, or burglary, as long as it occurs inside the home. Many insurers cover these types of damage as part of the policy’s basic coverage.

What else does home contents insurance cover?

Home contents insurance covers damage to items in your home that are not attached to the building. In addition to hearing aids, home contents insurance also covers other loose items and personal property, such as furniture, clothing, books, art, and kitchenware. Do you want to insure damage to fixed parts of your home, such as plumbing or the roof? Then you’ll need building insurance. That way, the rest of your home is also insured against unexpected damage.

For the types of damage listed above, additional insurance may be required in some cases to ensure full coverage against specific claims.

When do you need supplemental insurance or ongoing travel insurance?

There is no specific insurance policy for hearing aids; in principle, a hearing aid is covered under home contents insurance. However, basic coverage usually only reimburses damage that occurs inside the home. Do you also use your hearing aid outside the home? If so, it’s often a good idea to get additional insurance. In that case, you’ll likely need to purchase a supplemental policy.

Many insurers offer additional coverage for this in the form of off-premises coverage. This coverage provides protection against damage, loss, or theft outside the home—for example, while traveling or during a day trip. In many cases, irreparable damage caused by accidents is also covered.

Continuous travel insurance with baggage coverage can once again be a lifesaver if your hearing aid is damaged or stolen while on vacation. This insurance is especially useful for frequent travelers.