Am I covered if my bags have been damaged?

For policies purchased after 10 August 2016, 3:00am UTC, your World Nomads policy is provided through Zurich Insurance Group

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Customer Service phone (sales / service) 0800 761 61 61 0800-275-8585 (Hearing impaired service) SAC - Informações & Pré-vendas 0800 761 61 61 0800 275 8585 (Deficientes Auditivos e de Fala)

Opening hours (except holidays): Monday to Friday from 8h to 20h and Saturday from 8h to 18h. Hearing impared service available 24 hours a day, 7 days a week.

Horário de funcionamento (exceto feriados): De segunda a sexta-feira das 8h às 20h e aos sábados das 8h às 18h. Deficientes Auditivos e de Fala: Atendimento disponível 24 horas por dia, 7 dias por seman.


For policies purchased before 10 August 2016, 3:00am UTC your World Nomads policy is provided through Bupa Global

If your registered or checked-in baggage has arrived but it's been damaged by the carrier while in transit, you can make a claim for the costs incurred to repair these damaged items.

What’s covered

You can make a claim for the costs to repair the damaged bag itself or damaged items within the bag (with some exceptions - see ‘what’s not covered). How much you can claim per item and in total depends on what type of plan you buy, the Standard or Explorer Plan.

What you need to do if your baggage has been damaged:

To make a claim for your checked-in damaged baggage or belongings you must:

  • report to the relevant transport carrier within 24 hours.
  • obtain a written report from the carrier outlining the damage. An original copy of this damage report/property irregularity report (P.I.R) must be submitted to support your claim.
  • Your must file a claim for compensation with the carrier first and keep a copy of this report to submit with your claim to us.

Also be aware that any baggage claim submitted will have the policy excess applied. There is a €70/$100USD excess deducted per person, per claimable event

What’s not covered?

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the Product Guide (policy wording) for the full details on what’s not covered.

Here’s the main thing that isn’t covered:

  • damage to, loss of or theft of jewellery, computers, cameras, hand-held and mobile devices or other electronic equipment and any high value specified items if checked in with a common carrier in your baggage.

Indian residents:

The Baggage and Personal Effects benefit is not included in the policy available to permanent residents of India. Our insurer for Indian travellers, Bupa Global Travel, has decided that they are no longer able to manage benefits greater than cover for Overseas Medical Expenses and Medical Evacuation/Repatriation.