Travel Insurance for Delayed Baggage
Learn how travel insurance could help if your luggage misses your flight.
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This content is for all travellers except Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.
You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grounds to a halt… without your bag appearing.
That’s where Delayed Baggage Travel Insurance can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.
What's covered by travel insurance if my bags are delayed?
If your baggage is delayed more than 12 hours our policies cover the cost of:
- Clothing
- Medicines
- Toiletries
It's important to remember that there are benefit limits and an excess will apply.
What you’re not covered for.
If your bags arrive less than 12 hours before they were supposed to you won’t be able to claim any expenses back. We also won’t cover:
- The rental or purchase of sports equipment if your sports equipment is delayed by the carrier
- Indirect losses, such as administrative or transport costs involved in collecting the baggage or Lost opportunities due to not having your baggage
- Any items that aren’t considered ‘essential’. That means no Gucci leather jackets!
- The purchase of essential items if your bags are delayed on the way home, as the insurer expects you’ve got other clothes to wear once your return home
What do I do if my bags don’t arrive?
First step is to speak to your carrier – the airline, train or bas carrier who was responsible for transporting you. You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information.
If it’s going to take at least 12 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and medicine to tide you over.
Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after.
There is also a maximum benefit limit for each 24 hours your baggage is missing and if it’s never located, any claims paid will be deducted from any successful lost baggage claim you subsequently make.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
Items you can claim if your bags are delayed:
- T-shirt(s)
- Underwear
- Socks
- Toiletries
- Reasonable & necessary essential items (check your policy for details)
Items that aren't covered if your bags are delayed:
- Designer jeans to replace your fisherman's pants
- A new ball gown for that special event
- Tailor made suit
- Leather jacket
- Other non-essential items you can live without for a few days
Baggage delay in NYC.
I flew from Santiago (STI) to New York USa (JFK), when I arrived to destination Jet Blue Airways inform me that my bag was delayed. I am still waiting for my luggage.
Dominican Resident in NYC.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently
- Medivac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency 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 assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
FAQ
Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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What if I don’t have receipts?
You can still lodge a claim. However, the team might depreciate or be unable to process your claim.
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What supporting documents do you 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.
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Is there an excess/co-pay/deductible?
Yes, there is an excess.
Before your trip, check the latest government advice for any travel alerts for your destination.