Am I covered by travel insurance if my passport's been lost, stolen or damaged?

If your passport has been lost or stolen while on your travels abroad, cover is available to claim for the replacement costs to get you back on the road as soon as possible.

What’s covered

If your passport is lost or stolen from your person, eg taken from your bag without your knowledge while you were carrying it OR lost or stolen when locked in a safe or safety deposit box, you can claim:

  • The reasonable additional travel and accommodation expenses you have to pay whilst abroad as a result of you needing to replace a lost or stolen passport.

  • The equivalent pro-rata value of the remaining period of your passport.

What you need to do if your passport has been stolen or lost

Report the theft or loss of your passport to:

  • The local police (as soon as possible after discovery)

  • Your nearest embassy, consulate or government office so you can apply for your replacement passport. Contact our 24/7 Emergency Assistance team if you need help locating any of these offices.

When making a claim for your lost or stolen passport, you must provide the written police report and receipts for all costs incurred. No policy excess applies to claims related to the loss or theft of travel documents.

What’s not covered

Here are some of the main things that aren’t covered:

  • Any costs that you would have incurred had you not lost your passport or travel documents.

  • Any costs incurred if your passport has been left unattended at any time (except when locked in a safe or safety box) or if you do not exercise reasonable care for the safety or supervision of your passport/travel documents.

  • Anything mentioned in the General Exclusions of the policy or the Specific exclusions under Section 4.

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording for the full details on what’s covered and not covered. If you have any questions please get in touch.

Related Articles

View more

Can't find the answer you are looking for?

Contact us

Our contact details

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

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us


For policies purchased on or after 1 November 2018:

1800 903 008

+353 21 237 8001


For policies purchased before 1 November 2018:

+44 (0) 330 660 0738

0330 660 0738

+44 (0) 330 660 0738