Am I covered by travel insurance if my bags are delayed?

If your checked-in bags are delayed by 24 hours or more from your scheduled arrival time, you might need to buy some clothing, toiletries or medications to get you by until they arrive. Provided these items are essential, you can claim reasonable expenses for such items, up to the policy limits.

What you can claim?

Expenses for necessary and essential items like clothing, toiletries and medications.

Please note: All expenses must be reasonable and necessary supported by receipts dated prior to the delivery of your delayed baggage and after 24 hours from your arrival.

How much you can claim?

Total benefit limits will vary depending on what plan you buy (the Standard Plan or Explorer Plan).

Plan	Single/Couple/Family
Standard	USD$150 per 24 hours for each person insured up to 3 days USD$450 total claim per person insured
Explorer	USD$150 per 24 hours for each person insured up to 5 days USD$750 total claim per person insured

Any baggage claim submitted will have the policy excess applied per person, per claimable event.

What you need to do if your baggage is delayed

Obtain a written report from the carrier stating that your bags did not arrive at the scheduled time and date and indicating the date and time it did actually arrive. An original copy of this damage report/Property Irregularity Report (P.I.R) must be submitted to support your claim.
Keep all of your receipts for the necessities you buy and make sure these receipts are time and date stamped prior to receiving your baggage.
Make a claim online for the expenses incurred due to delayed baggage and be sure to send in your supporting documentation.

What’s not covered

The purchase of essential items if your bags are delayed on the way home, as the insurer expects you’ve got other clothes to wear once your return home.
Any items that wouldn’t be considered ‘essential’.
Expenses related to the purchase or rental of sports equipment should your sports equipment be delayed by the airline.
Any other reason listed under the General Exclusions in your policy wording.

This is only a summary of cover and does not include the full terms and conditions, exclusions and limitations of the policy. You should read your policy wording 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.

Last updated: Feb 27, 2020 04:59 AM

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Coronavirus (COVID-19) and travel - Need to know before you buy

Our policies provide cover for some coronavirus-related events. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the US Department of State has issued a ‘Do Not Travel’ warning for your destination(s); or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. Check your cover and the latest government advice and our travel insurance alerts.