Buy More Travel Insurance
Simple and flexible travel insurance. Buy more cover from home or while traveling to extend your trip.
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As featured in:
For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.
We know that your plans can change and sometimes you have to extend your trip. That’s why we’ve designed simple and flexible travel insurance that you can buy online, anytime, from anywhere in the world.
If you buy a policy while already travelling, there's a waiting period of 72 hours before full cover can apply, and certain benefits (like pre-trip cancellation) won't be available as you’ve already left your home.
When you buy on the road, you can be covered straight away if you're injured in an accident. And if you buy a policy before you current one expires, you won't have a time gap between policies.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveller support
- 24/7 Emergency Assistance
Waiting periods apply
It's not always fun.
Due to mishap, my frenulum on my penis got severely damaged. During intercourse with my girlfriend it nearly ripped and caused me a lot of pain and blood. I went to the doctor and he operated on it. Now everything is okay again.
Danish Resident.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance while travelling abroad. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Do you have an excess/co-pay?
Most benefits have a EUR 70 excess.
-
My son/daughter is already on the road. Can I buy a policy on their behalf?
Yes, you can. But if you do, you're agreeing to all of the terms and conditions as if you are them.
-
How long does it take to get a copy of my insurance?
As soon as the payment goes through, we’ll send it out.
Buy Travel Insurance Away from Home
Get covered by World Nomads, even if you're already on the road
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As featured in:
This information is for all travellers except: Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.
If you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads has got you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.
We know it’s easy to forget to buy travel insurance. That’s why we’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while traveling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while traveling, you'll have to wait up to 72 hours for full cover to apply. However, you can be covered straight away if you're injured in an accident after you buy a policy. Your policy wording will have full details to understand the cover, limits and exclusions.
- Buy while traveling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
It's not always fun.
Due to mishap, my frenulum on my penis got severely damaged. During intercourse with my girlfriend it nearly ripped and caused me a lot of pain and blood. I went to the doctor and he operated on it. Now everything is okay again.
Danish Resident.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do you have an excess?
Yes. The Australian policies have a USD 100 excess for most benefits.
-
How long does it take to get a copy of my insurance?
As soon as the payment goes through, it will be emailed to you or in your membership.
Buy Travel Insurance Away from Home
Get covered by World Nomads, even if you're already on the road
- As featured in:
As featured in:
We know it can be easy to forget to buy travel insurance when planning a holiday. If you’ve left home without travel insurance or your policy is due to expire and you’re still on the road, you can still purchase travel insurance with World Nomads.
We’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while traveling, waiting periods, conditions and restrictions on cover do apply.
What is a waiting period?
You may have to wait 72 hours (waiting period) before any cover is activated, depending on when you purchase your policy as explained in ‘When cover starts & ends’ in your Policy Wording. This means certain benefits such as Cancelling Your Trip may not apply, as you’ve already left your country of residence.
Please note that your country of residence will determine the laws, regulations and tax that apply.
Most policies can cover you straight away if you're injured in an accident after you buy a policy. Your Policy Wording will have full details to understand the cover, limits and exclusions.
- Buy while travelling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveller support
- 24/7 Emergency Medical Assistance
Waiting periods apply
It's not always fun.
Due to mishap, my frenulum on my penis got severely damaged. During intercourse with my girlfriend it nearly ripped and caused me a lot of pain and blood. I went to the doctor and he operated on it. Now everything is okay again.
Danish Resident.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do you have an excess?
Yes. The policies do have a €100 excess for most benefits.
-
How long does it take to get a copy of my insurance?
As soon as the payment goes through, it will be emailed to you or in your membership.
Travel Insurance for Assault
Get the medical treatment you need in the unfortunate event you've been attacked.
- As featured in:
As featured in:
Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travelers. While some destinations have higher incidents than others, no destination is immune.
To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.
Our Emergency assistance teams have extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.
Does travel insurance cover assault?
If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick a policy that’s best for you.
Does travel insurance cover counselling following assault?
| Country of residence | Cover for counselling |
|---|---|
| Australia | Explorer plan only. |
| Brazil | |
| Canada | |
| Ireland | Explorer plan only. |
| New Zealand | Explorer plan only. |
| United Kingdom | Explorer plan only. |
| USA | |
| All other countries |
What's not covered by travel insurance?
If you pick a fight and end up coming out worse for wear, there's a pretty good chance you won't be covered because of needless risk and stupidity.
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.
What do I do if I’m assaulted overseas?
It’s essential that you get in contact with our emergency assistance teams as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Assault while jogging.
During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Kazakhstani traveler in Australia.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about assault and travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I call the police if I've been assaulted?
If you're unsure what to do, call our 24/7 emergency teams, they'll be able to provide guidance and support.
-
I'm a solo female traveler. Can I request female doctors if something happens to me?
You can ask and we'll see what we can do.
-
What happens if I'm injured and need life support?
That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at the best possible solution to either get you home, or get your family over there to say goodbye.
-
Can my mum come and get me?
Yes, in some situations we can send your mum over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Travel Insurance for Assault
Get the medical treatment you need after being attacked.
- As featured in:
As featured in:
For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travellers. That's why we're here to help you. While some destinations have higher incidents of assault than others, no destination is immune.
To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.
If you're unsure what to do, call our 24/7 Emergency Medical Assistance Team and they'll be able to guide you. Our Emergency Assistance Team has extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.
Does travel insurance cover assault?
If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Extra expenses to get you home, if medically necessary
- Counselling services abroad from a psychiatrist or registered counsellor
What's not covered by travel insurance?
Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
What do I do if I’m assaulted overseas?
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly
So that our Emergency Medical Assistance Team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Assault while jogging.
During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Kazakhstani traveler in Australia.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about assault. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Do I call the police if I've been assaulted?
If you're unsure of what to do, call our emergency medical assistance teams.
-
I'm a solo female traveler. Can I request female doctors if something happens to me?
You can ask and we'll see what we can do.
-
What happens if I'm injured and need life support?
That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at every situation individually to find the best solution.
-
Can my mum come and get me?
Yes, in some situations we can send your mum or an immediate family member over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Worldwide 24 hour Emergency Medical Assistance for Europeans
Wherever you are, we’re there to help!
- As featured in:
As featured in:
Emergency Assistance for travellers from the European Economic Area (EEA)
For policies purchased on or after 27 June 2024:
Emergency Medical Assistance: 24 hours, 7 days a week
Email: worldnomads.assist@collinsoninsurance.com
|
Country of residence |
Phone |
|
Belgium |
+44 (0) 144 444 2015 |
|
Denmark |
+44 (0) 144 444 2017 |
|
Germany |
+44 (0) 144 444 2018 |
|
Netherlands |
+44 (0) 144 444 2019 |
For policies purchased before 27 June 2024:
Contact our 24/7 Emergency Assistance team.
Emergency Medical Assistance: 24 hours, 7 days a week
Email: worldnomadsassist@axa-assistance.com
|
Country of residence |
Phone |
|
Belgium |
+32 (0)2 808 66 32 |
|
Denmark |
+45 89 87 30 23 |
|
Germany |
+49 (0)335 5622 3012 |
|
Netherlands |
+31 (0)20 8080731 |
Email: worldnomadsassist@axa-assistance.com
Not European? Find the right Emergency Assistance team by changing your Country of Residence
Be prepared.
So that our 24/7 Emergency Medical Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
- Prescribed medication (if any)
How does my travel insurance policy help me in an emergency?
Learn how your travel insurance policy can assist if you're in an emergency situation by watching this video.Bitten by a tick in Colombia
I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
A.B. Norwegian Nomad in Colombia.
Travel Insurance for adventure activities
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
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As featured in:
Understand the key parts of World Nomads travel insurance
We cover 250 activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Travel Insurance for adventure activities
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
- As featured in:
As featured in:
Understand the key parts of World Nomads travel insurance
Award-winning travel insurance
WeMoney award winner for best adventure travel insurance two years in a row! Get a quote with an award-winning travel insurance provider today.
We cover 250 activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Does Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
For information relating to policies purchased prior to 05 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 05 May 2022 please see below.
This information is for New Zealand residents.
There's a lot of media around this, and there's a lot of allure in danger too. When everyone is saying something different about the risks of travel, it's hard to get a clear picture of what's going on. It also raises lots of questions about how insurance works.
What can travel insurance cover if there's a terror attack?
If the event is unforeseen – which by their very nature terrorist attacks almost all are, you could be covered for:
- Hospitalisation
- Out-patient treatment
- Prescribed medicines
- Medical transportation to bring you home
In addition, we also have 24/7 Emergency Assistance Teams who can assist you – keeping you informed, putting you in contact with consular officials, arranging medical care, and getting in touch with your family for you.
What’s not covered by travel insurance if there's a terror attack?
Travel insurance isn’t designed to cover everything. We often see claims for terrorism that we have to decline because the New Zealand plans excludes them:
- Cancellation
- Trip interruption expenses
- Changing your mind to travel
- Buying a policy AFTER the event happens
- If the New Zealand government says a destination is "Do not travel" and you still travel there
Also, we don't cover anything that happens because you made jokes about terrorism or bombs while standing in an airport security screening area or other high security environment. Those people do not have a sense of humour, and you won't be laughing when they reach for the latex gloves.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
How to get help if you're hurt in a terror attack
It’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance Team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Am I covered if I need to cancel my plans as a result of terrorism?
There's no cover in the New Zealand policies for cancellation as a result of terrorism.
-
Can you refund the rest of my policy because I’ve returned home early?
No. If you’ve traveled on your policy, there are no partial refunds.
-
What if I have to leave my baggage behind?
To get coverage, we would need you to report your bags missing and get written documentation from the relevant authorities.
Travel insurance for delayed baggage
Learn how travel insurance could help if your luggage misses your flight.
- As featured in:
As featured in:
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. You’ll 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 prescribed 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.
Oh, and carry your medication and a spare prescription in your carry-on luggage. We may not cover a trip to the doctor for a new script or replacement meds unless these expenses are related to an existing medical condition we don’t cover.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Items you can claim if your bags are delayed:
- T-shirt(s)
- Underwear
- Socks
- Toiletries
- Reasonable & necessary essential items (check your Policy Document 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 Delayed in Copenhagen.
I flew from Spain to Copenhagen via Brussels. When I arrived in Copenhagen my bag did not arrive with me. I made a claim with the airline and they said it would reach me in time before I fly out to Los Angeles. But my bag did not arrive in time. This claim is for delayed luggage over the period without clothing.
Kiwi in Copenhagen.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
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- Accidentally injured?
- Suddenly sick?
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Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamFAQ
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 a NZD $100 excess.