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What to do if your luggage is delayed

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1. Report it to your carrier straight away

Once you realise your bags are delayed, report it to the carrier (e.g. airline, tour operator) as soon as possible. For lengthy delays, you should ask them to compensate you to replace essential items you may need while you wait for your bags to be returned.

2. Get a written report

Get a written report of what’s happened from the carrier, for example a Property Irregularity Report, confirming the delay was greater than 24 hours from your arrival and any compensation they offer you.

3. Keep your receipts

Keep the receipts for any essential items you buy like toothbrushes, prescription medication or a change of clothes.

Before you go shopping for an entire new wardrobe to replace your designer jeans or a new ballgown for that special event, because you believe everything you own is "essential", there will be limits on what your policy can and can not cover, so check your policy wording carefully or contact us (Yes, we've seen claims like this!)

Original receipts may be necessary if you intend to make a claim and your policy covers these expenses.

4. Get another report confirming the length of the delay

Once you get your luggage, get written confirmation from the carrier confirming how long it was delayed. If baggage delay is covered under your policy, there may be specific time periods that your bags are delayed before the policy can help reimburse you for extra expenses, so it’s important we know how long you were inconvenienced. For example: cover may vary if your bags were delayed for a few hours compared to a few days.

5. Need to know more?

This information could help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy wording will always have the full terms, conditions and exclusions that apply.

If you have questions about what's covered and not covered, just ask us.

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Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

  • Explorer Plan: €10,000
  • Standard Plan: €4,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: €12,500,000
  • Standard Plan: €3,750,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

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Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

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Protect your gear

Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).

  • Explorer Plan: €2,500
  • Standard Plan: €1,250
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption (Explorer)
  • Resumption of Trip (Explorer)
  • Travel Delay (Explorer)
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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.

Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.

Are you in need of emergency assistance right now?

Country of residence Phone
Belgium +32 (0)2 808 66 32
Denmark +45 89 87 30 23
Germany +49 (0)335 5622 3012
Ireland +353 (0) 90 640 6460
Netherlands +31 (0)20 8080731

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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.

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