Yes, if your personal baggage is permanently lost by the carrier, you can make a claim for your belongings that were in the lost bags and the bag itself, with some exceptions.
As we’ve recently changed our insurer, please select the date you bought your policy for more information:
Policies purchased on or after 1 Nov 2018 (GMT)
Policies purchased before 1 Nov 2018 (GMT)
Yes, if your personal baggage is permanently lost by the carrier, you can make a claim for your belongings that were in the lost bags and the bag itself (with some exceptions – see ‘What’s not covered’ below).
What you need to do if your baggage has been permanently lost:
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording so there are no surprises if you do need to use it.
The loss to valuables and any specified items are not covered if left in checked-in baggage or if left unattended at any time (including in the custody of carriers).
Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited. For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.
Yes, if your personal baggage is permanently lost by the carrier, you can make a claim for your personal belongings that were in the lost bags and the bag itself (with some exceptions – see ‘what’s not covered’ below)
This depends on what plan you buy (Standard or Explorer) and how many travellers are listed on your policy.
| Plan | UK (per person) | IRELAND (per person) |
|---|---|---|
| Standard | £100 per item, total claim £1,000 | €125 per item, total claim €1,250 |
| Explorer | £250 per item, total claim £2,000 | €300 per item, total claim 2,500 |
The policy excess is applied to lost baggage claims
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording so there are no surprises if you do need to use it.
The loss to valuables and any specified items are not covered if left in checked–in baggage or if left unattended at any time (including in the custody of carriers).
Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.
We’re here to help if you have a question about travel insurance.
For policies purchased on or after 1 November 2018:
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For policies purchased before 1 November 2018:
Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check government travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel. NOTE: A 48-hour waiting period (time excess) applies to some Coronavirus-related cancellation cover; other waiting periods may apply.