Am I covered if my bags are lost by the airline?

If your checked-in baggage has been confirmed as permanently lost by the carrier, there’s cover to claim for the items in this baggage.

What’s 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 permanently lost:

To make a claim for your lost items, you must:

  • report to the relevant transport carrier within 24 hours.
  • obtain a written report from the carrier documenting the loss. An original copy of this report must be sent to support your claim.
  • keep any luggage checks and air tickets to support your claim
  • present the original bills/receipts showing the value of the property to support your claim (if requested)

Just to let you know that if you made a claim for delayed baggage while waiting optimistically for your lost baggage to arrive, any amount paid out will be deducted from the final claim settlement of your lost baggage claim.

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:

  • loss of jewellery, cash, 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.


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We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

Contact us


For policies purchase on or after 2 December 2018:

+353 21 237 8006


For policies purchased before 2 December 2018:

+61 2 8256 1542