Travel Insurance for Baggage and Gear
If your baggage goes missing, we may be able to help
- As featured in:
As featured in:
So you’ve finally set off on your big adventure after months of planning and packing. You finally arrive at your destination, but your bags do not. What if an airline loses your baggage with all your carefully chosen clothes and equipment inside?
Your bags may be lost or delayed by the airline, or they may get damaged. Our travel insurance may be able to help when your bags’ plans are not the same as your plans!
Why travel insurance is so important when your bags go missing
You may have spent days planning what to pack. Maybe you even purchased special clothes or equipment ahead of time. If your baggage goes missing, this can be a huge problem for you.
So if something unexpected happens to your gear, you want to be fully prepared. That's why coverage for missing or delayed bags is so important.
Depending upon the insurance policy you have chosen, we may be able to provide assistance in the following situations:
- Baggage delays by the carrier
- Bags that have been lost by the airline
- Stolen passports or other documents
- Accidental damage to your bags
Before traveling, it is always a good idea to carefully read through your insurance policy to make sure you fully understand what is covered. That way you will be prepared to take the proper actions and there won’t be any surprises if you need to make a claim while away from home.
What’s not covered by your travel insurance
World Nomads aims to make sure that you have peace of mind over your belongings, leaving you free to have the best time while exploring the world. However, travel insurance cannot cover everything. Some of the situations or circumstances that are not covered may include:
- Leaving your baggage behind
- Electronics that were kept in checked-in baggage
- Bicycles and some sporting equipment, particularly while in use
- Stolen bags or equipment
- Business equipment (gear that is not owned by you or used for professional purpose)
It may seem obvious, but it is very important to always be aware of your baggage and make sure it is always safe. Our community of Nomads has gotten together to prepare this guide with 9 essential tips for keeping your luggage safe. The tips range from a “less is more” approach to planning - ensuring there is less to have to keep an eye on! - to keeping a handy supply of zip ties. When it comes to security, we’ve got you covered!
What to do if your bag goes missing while you’re overseas
We’ve all experienced that panicky feeling when you realize that some or all of your possessions are not where they should be. It may be something as simple as the airline losing your bags or sending them to the wrong destination, or something more outlandish, such as your passport being stolen on the Trans-Siberian Express.
Keeping a level head and knowing exactly what needs to be done in such situations can mean the difference between your trip turning into a complete disaster and ensuring that the problem is resolved, and you can keep going.
If your baggage is delayed for more than 12 hours, you may be able to claim reimbursement on expenses involved in the purchase of essential items such as clothing and personal hygiene products.
Once again, it is essential that you straighten out all the documentation with the airline company and get a copy of the ‘PIR’ or ‘Property Irregularity Report’. Once you have this in your hands, our 24-hour Emergency Assistance team can provide you with assistance and guidance on what to do next.
Although our team is not responsible for finding your lost bags or stolen documents, they can liaise with the airline company in the tracking process. They may be able to provide information on how to report lost or stolen documents to the local police and provide contact numbers for consulates and embassies. In addition, they may be able to advise on the best ways of receiving emergency funds from family or friends back home.
Get a quote
When you’re ready, get a quote, and feel free to contact us if you have any questions.
Compare our Standard, Explorer and Explorer Plus plans to decide which one best suits your needs.
Still not sure? Get in touch and we can help you decide which travel insurance is best for your next adventure.
This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, please reach out – we’re happy to help.
Baggage Delay in a Delhi Winter.
I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
S.N. U.S. Nomad in India.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip against unexpected cancellation.
- Explorer Plus: USD $1,500
- Explorer Plan: USD $1,000
- Standard Plan: USD $500
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Medical Expenses Overseas
Take the pain out of medical costs.
- Explorer Plus: USD $100,000
- Explorer Plan: USD $70,000
- Standard Plan: USD $30,000
Medical Expenses Overseas
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation and Repatriation
Emergency medical transportation: we’ll get you to hospital or home quickly.
- Explorer Plus: USD $80,000
- Explorer Plan: USD $60,000
- Standard Plan: USD $40,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Checked-in Baggage Loss
Covers the loss, theft or damage of your bags by a common carrier.
- Explorer Plus: USD $1,200
- Explorer Plan: USD $1,000
- Standard Plan: USD $500
Checked-in Baggage Loss
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Trip Cancellation or Interruption
- Baggage
- Emergency Medical Evacuation & Repatration
- 24 Hour Assistance Services
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24-hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Your World Nomads policy is provided through Chubb Seguros:
Phone: +1 212-315-1806 (from anywhere in the world)
Phone: 0800-591-1043 (from Brazil)
WhatsApp message: +54 911 3053-3959
Before your trip, check the latest government advice for any travel alerts for your destination.