If your gear has been stolen or damaged, here's how we can help.
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With multiple bags, valuables, and essential documents in tow, the last thing you want is to deal with lost, stolen, or damaged luggage. In fact, nearly half of all travel insurance claims involve mishaps with baggage and personal effects.
Whether you’re carrying expensive sports gear, a designer outfit for a destination wedding, or just your everyday essentials, World Nomads travel insurance offers coverage for theft, loss, or damage of your luggage and personal effects.
Your Policy Document will have very specific limits, both on the total value of the luggage covered, and on individual items. If there're some items you're bringing that exceed those limits, specify them when you get a travel insurance quote.
We offer cover for the following:
There are of course terms, conditions, limitations and exclusions on how cover applies. For example, we won't cover your electronics or jewellery if you check them into an airline. Read the Policy Document so there are no surprises.
Your first move should be to report it, ASAP. Who you report it to depends on your circumstances. Here are some of the most common situations:
If your luggage has been lost or stolen on public transport:
If your luggage has been lost or stolen from your airline or accommodation provider
If your luggage has been lost or stolen on a tour or at a public venue (e.g. airport, museum, sports stadium)
If your situation is not listed get in contact and we can help.
File a police report—this step is non-negotiable because your potential insurance claim hinges on it. Head to the nearest police station and make sure you get a copy of the report or at least a reference number.
Contact your provider to block the service and get written confirmation. And don’t forget to call your bank to block any stolen cards ASAP.
If you have an iPhone, try using the Find My iPhone feature. If you have a Samsung, use the Find My Mobile feature to pinpoint your device’s location on a map.
Hold onto every bit of paperwork—receipts for emergency buys, itineraries, booking and cancellation confirmations for any affected travel arrangements. If you don’t do this, we may reduce or reject your claim.
Travel insurance isn’t designed to cover everything. Common claims we see where there's no cover include:
If you’re ready to start exploring our travel cover options and optional extras, then visit our Get a Quote page and tell us your travel details.
This is not a full list of what's covered and not covered. There are terms and conditions, limitations and exclusions that apply. For more information check out our FAQ article on baggage cover and personal effects and read your Policy Document carefully before you buy.
After arriving in Jordan I was approached by a man claiming to be a taxi driver. He showed me where an ATM was to get out some Jordanian dollars and then took me to his car. After a white knuckle drive to my hostel I hopped out and he grabbed my baggage and chucked it at me and left straight away. When I got into my hostel I realised my camera bag was missing with my camera, storage drive and Jordanian dollars. I filed a report with the police but they have been unable locate the camera and the taxi companies seem to think this man was in fact an opportunist as the have no record of him.
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Cover your stolen or damaged gear and tech.
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If you need medical assistance or emergency medical evacuation our team is 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?
From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)
Within Australia (Free call): 1800 611 210
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.
Before your trip, check the latest government advice for any travel alerts for your destination.