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Travel insurance for delayed baggage

For when you show up but your bags don't.

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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.
Claim paid: NZD $450
Kiwi in Copenhagen.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital in a flash

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for New Zealand residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is 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?

From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)

Within Australia (Free call): 1800 611 210

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.


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.

  • 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.