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Travel insurance for baggage

Cover for those who love what they lug

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If you’ve turned up in Thailand but your bags haven’t, or your gear has been nicked in ‘Nam, our travel insurance policies have been designed for travelers with baggage benefits to support you when things don’t go to plan.

How travel insurance can help if your bags are delayed, stolen or damaged.

Here are some of the key things we can cover:

What's happenedCover Available
Baggage delay All plans
Stolen items or baggage All plans (except Brazilians)
Bags lost by a carrier in transit All plans
Stolen passports All plans (except US residents & Brazilians)
Stolen prescribed medication All plans (except US residents & Brazilians)
Damaged by a carrier All plans (except Brazilians)
Accidental damage All plans (except Brazilians)

What’s not covered by travel insurance. 

Travel insurance isn’t designed to cover everything. Common claims we see where there isn't any cover include:

  • Leaving your gear behind
  • Leaving electronics in checked-in baggage
  • Mysterious disappearances
  • Bicycles and certain sporting equipment, particularly while in use 
  • Not keeping an eye on your things and they get stolen
  • Leaving your gear in an unlocked car (or at night, even if locked)
  • If you don't get a report from a local authority (e.g police, airline etc)
  • Business equipment

This is not a full list of what's covered and not covered. There are item limits and conditions that apply, so for more information check out our article on  baggage cover and personal effects and read your policy carefully before you buy.

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.

Baggage Delay in a Delhi Winter.

I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
Claim paid: USD $51.74
S.N. U.S Nomad in India.

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. 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?

Contact the team
Wherever you are, we’re here 24/7 to help you in any emergency.
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 airline 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, generally they do. However, some policies let you pay an additional premium per item so you can insure them for the value you bought them (if it's under the limits).