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Travel Insurance for Delayed Baggage.

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

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

You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grounds to a halt… without your bag appearing.

That’s where Delayed Baggage Travel Insurance can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.

What's covered by travel insurance if my bags are delayed?

If your baggage is delayed more than 12 hours our policies cover the cost of:

  • Clothing
  • Medicines
  • Toiletries

It's important to remember that there are benefit limits and an excess will apply. 

What you’re not covered for.

If your bags arrive less than 12 hours before they were supposed to you won’t be able to claim any expenses back.  We also won’t cover:

  • The rental or purchase of sports equipment if your sports equipment is delayed by the carrier
  • Indirect losses, such as administrative or transport costs involved in collecting the baggage or Lost opportunities due to not having your baggage
  • Any items that aren’t considered ‘essential’.  That means no Gucci leather jackets!
  • 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

What do I do if my bags don’t arrive?

First step is to speak to your carrier – the airline, train or bas carrier who was responsible for transporting you.  You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information. 

If it’s going to take at least 12 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and medicine to tide you over.

Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after. 

There is also a maximum benefit limit for each 24 hours your baggage is missing and if it’s never located, any claims paid will be deducted from any successful lost baggage claim you subsequently make. 

Items you can claim if your bags are delayed:

  • T-shirt(s)
  • Underwear
  • Socks
  • Toiletries
  • Prescribed medication
  • Reasonable & necessary essential items (check your policy 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 delay in NYC.

I flew from Santiago (STI) to New York USa (JFK), when I arrived to destination Jet Blue Airways inform me that my bag was delayed. I am still waiting for my luggage.
Claim paid: USD $500
Dominican Resident in NYC.

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 cover for delayed 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.

  • 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.