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Travel Insurance for Baggage

Cover for those who love what they lug.

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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.

When you’re travelling, you don’t always have control over what happens to your gear: it can get stolen, damaged, be sent to the wrong airport or get lost permanently in transit. That’s where baggage and personal belongings cover can help.

Baggage and personal belongings travel insurance: What's covered?

World Nomads plans for residents of most countries offer coverage for your luggage and personal items you take with you. Cover includes:

  • Necessities (e.g underwear & toiletries) if your baggage is delayed for at least 24 hours.
  • The replacement value or repair to any items lost, stolen, damaged or destroyed.
  • Specific items you have paid an additional insurance premium for and which are shown on your Certificate of Insurance.
  • The additional cost of obtaining a replacement passport or visa including accommodation, travel and fees that you would otherwise not have paid.
  • If you buy the Explorer Plan, the policy also covers accidental loss or theft of your own money while you were carrying it or if you left it in a locked safety deposit box.

What’s not covered?

There are a number of items our policies don't cover and if you don’t look after your belongings properly, you may not be covered either.

  • If you don't keep your gear safe and secure. 
  • If you don't report a theft or loss to the police and appropriate carrier or authority as soon as reasonably possible of the theft or loss being discovered. Get a written report!
  • Any item that is covered under another insurance policy or where it is recoverable from another source.
  • Personal baggage stolen from an unattended vehicle between 9pm and 9am.
  • Sporting equipment while in use. 
For more information check out our article on baggage cover and personal effects and read your policy carefully before you buy.

This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.

Travel Insurance Baggage Tips:

  • Find and scan your receipts before your leave
  • If an airline loses your gear, tell them straight away and get it in writing.
  • Theft? Report it to the police as soon as you reasonably can.
  • If you’ve got a handset or tablet that can be blocked, block it.
  • You can claim at home or on the road.

Robbed in Guatemala.

I was walking down the sidewalk of 11 Avenida with my backpack on the back. I wanted to check something in my Lonely Planet, so I took the backpack to the front, with one strap still one my shoulder. I had just put the book back and was about to zip the backpack closed (after 10-20 seconds) when it was suddenly ripped out of my grip. Even though I was holding on to it, the surprise and force allowed them to grap it anyway, before they speeded away. In the backpack was my camera lens (I was fortunately wearing the camera with a strap around my neck), my wallet with money I had cashed in an ATM a couple of days before, the guidebook and some clothes (jeans, socks and a hoodie). There were no personal documents as I had left them in my hotel room. I reported the theft to the police about two hours later.
Claim paid: EUR 635,38
Danish Nomad is Guatemala.

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 deceased?
  • 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 drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

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

Help starts here.

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
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

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

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.

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Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team. 

  • If the airlines loses my gear, what do I 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.
  • Do my items get depreciated?
    Yes they do. However, some policies let you pay an additional premium per item so insure them for the value you bought them (if it's under the limits).