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Travel insurance for baggage and gear

Coverage for those who love what they lug.

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If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain as the empty belt went around and around, you know the sinking feeling that comes with losing your luggage.

While this is one of the most common ways your baggage can become a dearly departed companion, other issues with your baggage can arise too, like baggage delay, damage, and theft.

Our travel insurance may help when your bag’s plans go awry.

Why travel insurance is your best bet when your bags go AWOL

We know how much your bags mean to you while you’re traveling. They often hold all your most precious items, like your journal, your favorite hiking boots and that new something you bought just for this trip. Sometimes all your worldly processions are in those bags! That’s why baggage coverage is your best bet when your bags go AWOL.

Whether you choose our Standard or Explorer plan, here’s how World Nomads travel insurance may be able to help if your bags go missing or are delayed, lost, or stolen:

  • Baggage delays by your airline or other common carrier (en route to your destination)
  • Stolen baggage or items (including tech items like computers and camera)
  • Bags that have been lost in transit
  • Stolen passports and IDs
  • Accidental damage to your bags

Coverage is secondary to any coverage from your common carrier and are subject to per item and total maximum benefit amounts as shown on your policy. 

It’s important to read through your policy wording to become familiar with what is and isn’t covered, so there are no surprises if you need to make a claim.

When travel insurance doesnt cover your baggage

While World Nomads travel insurance is designed to cover your trip essentials, travel insurance isn’t designed to cover everything. Certain situations and circumstances may mean your baggage is not covered by your travel insurance. Travel insurance does not cover:

  • Accidentally leaving your baggage or personal belongings behind.
  • Stolen bags that were left unattended.
  • Baggage or personal items stolen from a vehicle, even if it was locked.
  • Business equipment.
  • Eye glasses, sunglasses or contact lenses.
  • Retainers, orthodontic devices or hearing aids.
  • Items that have not been reported to a local authority (police, airline, etc.).
  • Baggage delay on the way home from your trip.

What to do if your bag gets lost or stolen while youre on vacation

Had your bag stolen while on the overnight train from Bangkok to Chiang Mai? Or perhaps it got lost in transit en route to Peru? Bags can lose their way for a variety of reasons. It helps to know how to pick yourself back up again if you find yourself without your stuff while traveling.

If your luggage has been stolen or is lost along the way, there are a few things you need to do to increase the likelihood of your travel insurance reimbursing your loss. Take a look at this easy-to-follow guide for what to do if your luggage is stolen. Remember, the first rule of thumb is always to report it.

In addition, if your luggage is delayed more than 12 hours, you may be entitled to replacement costs for essential clothing and toiletries. Check your policy wording carefully as terms and conditions apply.

Keep your luggage safe

While stealthy thieves and misadventuring bags can happen, there are a few simple tips and tricks you can keep in mind while traveling to help reduce the risk of losing your most valued processions.

From always packing and carrying your own bags and wearing the right gear, to safeguarding your bags with zip ties, follow these essential tips from travelers on how to keep your belongings safe while you travel.

Get a quote

Ready to pack your bags? When you get a quote you can compare our Standard and Explorer plans and decide which one might best suit your needs.

Still not sure? Get in touch and we can help you decide which travel insurance is best for your next snow adventure.

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, please reach out – we’re happy to help.

Travel Insurance Baggage Tips

  • Find and scan your receipts before you leave.
  • If an airline loses your baggage, notify them right away and get a record.
  • Theft? Report it to the police within 24 hours.
  • Password protect your devices and enable the lock screen if possible.
  • If youve got a handset or tablet that can be blocked, block it.
  • Make a claim within seven days; submit documentation within 90 days.


Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team

  • Can I claim for my baggage while I'm traveling?
    You can claim whenever you like, while traveling or when you return home. We encourage you to file a claim at your earliest convenience. The sooner you submit your claim, the sooner we can begin working on it. Plus, submitting your claim as soon as possible means less of a chance you’ll misplace your receipts or other required documentation.
  • What if I don’t have receipts?
    You can still file a claim. However, the item might depreciate, or we may be unable to process your claim without additional information. If you are trying claim reimbursement for purchases made because of a baggage delay, we require receipts. Read our Help Center article for more info on what to do if you don’t have documentation.
  • Why do my items get depreciated?
    Things like electronics age and get knocked about. Depreciation happens to match the claim to the item's current price, not the original retail price.
  • Am I covered if I lose my passport?
    Our travel insurance policies may be able to help you with getting an emergency passport. If this happens, get in touch with our 24/7 Emergency Assistance team as soon as possible. There are times when your travel insurance may not cover you, like if you leave your passport behind. Read through your policy wording carefully to become familiar with how your policy can and cannot help in these situations, and read our help center article about lost and stolen passports.
  • I have a high-value camera. Does your travel insurance cover it?
    Always make sure you get the right level of coverage for your needs. Our policies for U.S. residents have per item, combined article limit for higher valued items, and overall limits. Always read your policy wording carefully to ensure you have adequate cover for your needs. Still not sure? Get in touch with us and we can help you figure out what’s best for your circumstance.

Baggage Delay in Delhi

When I arrived in Delhi from Rome, the baggage claim 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. Since it was winter in Delhi, and my warm jacket was in my bag, I had to purchase a new jacket and other warm clothing that I had not packed in my carry-on.

S.N. U.S Nomad in India

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

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.

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