For when you show up but your bags don't.

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This information is for Australian residents. 

So you've arrived at your destination and spent your first two hours on the ground watching a baggage carousel grow empty without ever coughing up your bags. This happens a lot. It's really annoying.  Happily, there's someone to blame. That's the airline.

In every airport, there's a lost luggage counter where you can report your missing items (also go here if your bags have been damaged). You need to get a Property Irregularity Report (PIR) from that counter. 

What does travel insurance cover regarding delayed luggage?

If you're luggage is delayed by more than 12 hours, our policies cover essential purchases (toothbrushes, deodorant, clean undies, etc.). 

There are limits on the amount you can spend. So before you go shopping for a new wardrobe, check your policy carefully on the limits, conditions and exclusions which may apply before you buy. 

If you need to make a claim, you'll also need to fill in all of the documentation required by the carrier and submit this with your receipts. 

What's not covered

Delayed luggage once you're back home. You've now got access to your full wardrobe, so you shouldn't need anything from your bags. When you're shopping for essential purchases, think Walmart and the chemist, not high street fashion and designer labels.

 Oh, and carry your medication and a spare prescription in your carry-on luggage. We don't cover a trip to the doctor for a new script or replacement meds.

Items you can claim if your bags are delayed:

  • T-shirt(s)
  • Underwear
  • Socks
  • Toiletries
  • Prescribed medication
  • 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 en route Chennai.

Upon travelling from Hanoi (Vietnam) to Chennai (India) my luggage was misplaced/delayed for 5 days. I reported the baggage missing with the airport authorities and they completed a Property Irregularity Report (PIR). I phoned the airlines every day for an update. In the meantime I had spoken several times to World Nomads to explain the situation and to check what I am covered for. The items I am claiming for are all essential items for my day to day living. I have receipts for everything I purchased.
Claim paid: AUS $295.6
Australian Nomad in India.

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 cover for delayed baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.

  • 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.