Travel Insurance for Stolen or Damaged Baggage
If your gear has been stolen or damaged, here's how we can help.
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You know your adventure is off to a wrong start when your suitcase hasn’t arrived or your gear has been stolen from under your nose. Our travel insurance plans have been designed for travellers by travellers, with baggage benefits to support you when things go wrong.
What does baggage insurance offer?
Your belongings are almost as precious as your trip memories, which is why we cover:
- Baggage and personal effects, including sporting equipment, lost or damaged by your transportation carrier
- Stolen bags or personal belongings that are reported to the authorities
- Theft or damage of travel documents such as passports and visas
- Baggage delayed for more than 12 hours
What may not be covered?
Travel insurance isn’t designed to cover everything. Our plans exclude:
- Unsupervised belongings such as those left in an unlocked car
- Baggage delayed on your final return flight home
- Stolen items not properly reported to the authorities
- Damage or loss resulting from regular wear and tear
- Certain items such as antiques, furniture and artificial limbs and teeth
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions, just ask us.
Travel Insurance Baggage Tips:
- Find and scan your receipts before your leave
- If an airline loses your gear, get a report immediately.
- Theft? Report it to the police within 24 hours.
- Password protect and lock your phone or tablet.
- Claim at home or on the road.
FAQ
Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What if I don’t have receipts for my baggage and personal effects?
You can still file a claim. However, the claims team might depreciate your items or be unable to process your claim.
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If the airline loses my baggage, what do I need?
You’ll need documentation from the carrier confirming the loss and any compensation they provided to you or offered to you, your original receipts, and a copy of your itinerary.
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Do my baggage and personal affects get depreciated?
Yes, they do. We cover the depreciated value of the item up to the limit shown in the policy.
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I'm on a gap year. Can I claim for my baggage while I'm away?
You can claim whenever you like, while travelling or when you return home.
Baggage Delay in a Delhi
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 hard earned vacation from unexpected cancellation.
- Explorer Plan: $5,000
- Standard Plan: $2,500
Trip Protection
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $10 million
- Standard Plan: $5 million
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need prescription meds?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $500,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- You or a family member deceased?
Help starts here.
Protect your gear
Covers the theft, damage or delay of your bags, tech and sports gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- Bags delayed?
Help starts here.
- Emergency Medical Expenses
- Emergency Dental for Injury or Sickness
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Emergency Evacuation and Repatriation
- Return of Travel Companion/Dependent Children
- Return to Your Trip Destination
- Return of Remains
- Travel Accident
- Flight Accident
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services Included
- LiveTravelTM Emergency Assistance
- Worldwide Travel Assistance
- Adventure Travel Hotline
- 24/7 Security
- Travel Medical Assistance
- Bag Trak
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?
Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)
Contact the team
Before your trip, check the latest government advice for any travel alerts for your destination.