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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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When you’re travelling, you don’t always have control over what happens to your gear: it can get stolen, damaged, be sent to the wrong airport or get lost permanently in transit. That’s where baggage and personal belongings cover can help.

Baggage and personal belongings travel insurance: what's covered?

All World Nomads plans for Irish residents include coverage for your luggage and personal items you take with you. Cover includes:

  • Necessities (e.g underwear & toiletries) if your baggage is delayed for at least 24 hours.
  • The depreciated value of any items lost, stolen, damaged or destroyed.
  • Specific high-value items you have paid an additional insurance premium for and which are shown on your Certificate of Insurance.
  • The additional cost of obtaining a replacement passport or visa including accommodation, travel and fees that you would otherwise not have paid.
  • If you buy the Explorer Plan, the policy also covers accidental loss or theft of your own money while you were carrying it or if you left it in a locked safety deposit box.

What’s not covered?

There are a number of items our policy for Irish residents doesn’t cover and if you don’t look after your belongings properly, you may not be covered either.

  • If you don't keep your gear safe and secure. 
  • If you don't report the loss to the police and appropriate carrier or authority within 24 hours of the loss being discovered. Get a written report!
  • Any item that is covered under another insurance policy or where it is recoverable from another source.
  • Sporting equipment while in use. 
This is not a full list of what's covered and not covered. There are item limits and conditions that apply, so for more information check out our article on baggage cover and personal effects and read your policy carefully before you buy.

Travel Insurance Baggage Tips:

  • Find and scan your receipts before your leave home.
  • If an airline loses your gear, tell them straight away and get it in writing.
  • Theft? Report it to the police as soon as possible and get a copy of the report.
  • If you’ve got a smartphone or tablet that can be blocked, block it.
  • You can claim at home or while overseas.

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.
Claim paid: USD $51.74
S.N. U.S Nomad in India.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest suitable medical facility is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Disruption
  • 24-Hour Medical Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 Emergency Medical Assistance

Whether you need medical assistance or emergency medical evacuation, our teams 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 Medical Assistance right now?

For policies purchased on or after 27 June 2024:
Phone: +353 4 69 017 022

For policies purchased before 27 June 2024:
+353 (0) 90 640 6460

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travelers, for travelers. See why over 3 million travelers have chosen World Nomads for more than 20 years.

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 Helpdesk or you can ask our customer service team.

  • If the airline loses my gear, what do I need?
    You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.
  • Do my items get depreciated?
    Yes, generally they do. However, high-value items upgrades let you pay an additional premium per item so you can insure them for the value you bought them (if it's under the policy limits).