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Travel Insurance for Baggage.

Cover for those who love what they lug.

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This information is for Australian residents.

Lost, stolen and damaged luggage incidents make up nearly half of all travel insurance claims. Back up all of your photos, contacts, and essential documents, and read up on all the common scams and thefts in whatever places you're travelling to. You can't be too careful.

How travel insurance can help if your bags are stolen or damaged

Your policy 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, you might want to specify them when you purchase your policy. It'll cost you more, but if you have to claim, it'll probably be worth it.

Our policies can cover for you if your gear is:

  • Stolen or accidentally damaged
  • Stolen, lost of accidentally damaged by a common carrier (a commercial airline for example
  • Taken from you during an assault
  • Stolen from your private, locked accommodation and where there's visible evidence of damage and forced entry.

There are of course conditions on how cover applies. For example, we won't cover your electronics or jewellery if you check them into an airline. Read through the policy wording so there are no surprises. 

What’s not covered by travel insurance

Travel insurance isn’t designed to cover everything. Common claims we see where there's no cover include:

  • Anything you leave behind, walk away from or simply misplace
  • If your credit cards are skimmed
  • Leaving your gear in an unlocked car or overnight
  • Leaving your stuff unsecured in a shared hostel room
  • And the great Aussie tradition of leaving your stuff on the beach and going for a swim is out. You can do that in around most of Australia, but nowhere else. Honestly, we've seen claims for stolen towels... Anything left on a beach is fair game.

Ready to get a quote?

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 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 you leave
  • If an airline loses your gear, tell them straight away and get it in writing.
  • Theft? Report it to the police within 24 hours.
  • If you’ve got a handset or tablet that can be blocked, block it.
  • You can claim at home or on the road.

Rooky error.

It doesn't get much more touristy than this. My iPhone 4 was stolen from me while at a Starbucks in Paris. It was on the table I was sitting at. Two girls came up and spoke to me and put a piece of paper in front of me and at this point must have taken the phone. I told them I didn't speak French, they left and by the time I had noticed my phone was missing they were gone.
Claim paid: AUD $440
Australian Nomad in Paris.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Are you, your family sick, injured or deceased?
  • Has one of your relatives died?
  • Has a bushfire damaged your home?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital lickety-split

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for Australian residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

24/7 emergency assistance

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?

Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.


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 airlines 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 they do. However, some policies let you pay an additional premium per item so insure them for the value you bought them (if it's under the limits).