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Travel Insurance for Baggage

Cover for those who love what they lug.

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This information is for all travellers except: Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders. 

Sometimes no matter the precautions you put in place something goes wrong and your bag disappears on that overnight train or turns up looking damaged.

It’s frustrating and definitely inconvenient which is where travel insurance for your baggage and personal effects can help.

How does travel insurance cover baggage?

As long as you can provide proof your effects were lost, stolen or damaged and receipts that show the date and cost of your purchases, our policies can help cover the cost of replacing or repairing:

  • baggage and personal items if stolen or lost or damaged in a fire or natural disaster (we’re not going to give you a new camera if you throw your old one on the ground and claim it was damaged!)
  • checked-in luggage when lost or damaged by a common carrier
  • passport, credit cards and travel documents if stolen, lost or damaged (specific conditions apply)
  • stolen cash (Explorer plan only) – limits apply
  • sporting equipment when stolen or damaged by a common carrier – Explorer plan only 

It’s our choice if we replace or repair an item and various policy limits may apply.  If you’re traveling with a number of valuable items you can also buy extra coverage for specific valuable items at the time of purchase.  

What’s not covered

  • Damage to personal belongings unless checked in with a common carrier
  • Damage to, loss or theft of high valued specified items, even if checked in with a common carrier in your baggage, including jewellery, computers, cameras, hand-held and mobile devices or other electronic equipment.
  • Items stolen from a vehicle that is unlocked (or there are no visible signs of forced entry) or from a non-lockable or visible part of a passenger compartment
  • Items you lost, mislaid or left behind somewhere
  • Theft which is not observed by you at the time when the theft was being committed

This is not a full lists of what's not covered. Have a read through the policy wording so you're aware of how we can cover you. 

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 within 24 hours.
  • If you’ve got a handset or tablet that can be blocked, block it.
  • You can claim at home or on the road.

Choked and Robbed.

On October 8, 2013, I was trying to go back home by taxi. But I had to change taxi and walk for 30meter to get next taxi. It was little dark 7pm. At the time, I was surrounded by 3 or 4 men. A man choked me and another guy tore off my small bag, and they ran away. There were a camera, passport, watch, wallet with 300 rand and credit card, cellphone, USB Internet modem and so on. I explained to taxi driver and he helped me to bring home without pay. And my house owner helped me to go to police station and explained everything.
Claim paid: USD $780,21
Japanese Nomad in South Africa.

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: USD $10,000
  • Standard Plan: USD $5,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy deceased?
  • Close relative dropped dead?

We’ve got your back.

Emergency Overseas Medical Insurance

Take the pain out of medical costs while traveling overseas.

  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: USD $5,000,000
Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

We'll get you to hospital quickly.

  • Explorer Plan: USD $500,000
  • Standard Plan: USD $500,000
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: USD $3,500
  • Standard Plan: USD $2,500
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
  • Resumption of Trip
  • Travel Delay
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident (Explorer)
*This is a general summary for all residents except from USA, Canada, Australia, New Zealand, Europe, Brazil, China and Philippines. 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.

Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)

Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

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 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 you’re looking for general travel advice, you can ask our community at Ask a Nomad.

  • 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).