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's been pilfered in Peru, our travel insurance policies have been designed for travelers by travelers with baggage benefits to support you when things don’t go according to plan.

How travel insurance can help US travelers if your bags are stolen or damaged. 

BenefitCoverage
Baggage delay Outward journey only
Damaged baggage while checked-in All US policies
Stolen baggage All US policies 
Bags lost by a carrier in transit All US policies


What’s not covered by travel insurance. 

Travel insurance isn’t designed to cover everything. Common claims we see where there's no cover include:

  • Leaving your gear behind
  • Not keeping an eye on your things and they get stolen in a public place
  • Leaving your gear in an unattended car
  • Prescribed medications
  • Expenses to replace stolen passports (though we can help with the rest of the process)
  • Where you don't get a report from an authority
  • Professional or occupational equipment or property

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 home.
  • If an airline loses your gear, tell them straight away and have a rep from the airline verify it in writing.
  • Theft? Report it to the police within 24 hours.
  • If you’ve got a phone or tablet that can be locked, lock 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 Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • 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.

Evacuation and Repatriation

Emergency medical transportation: we’ll get you to hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Evacuation and Repatriation
  • 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
  • Emergency Evacuation & Repatriation
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Collision Damage Waiver (CDW) – where permissible
  • Accidental Death & Dismemberment
  • One Call 24-Hour Assistance Services
  • One Call Non-Medical Emergency Evacuation 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 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?

Telephone +1-855-878-9588 (toll free within the US and Canada) or +1-603-328-1329 (toll free outside the US and Canada)

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

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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.

World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars

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FAQ

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.

  • Do my items get depreciated?
    Yes, they do. The company will pay the lesser of the following: (a) actual cash value at time of loss, theft, or damage to baggage and personal effects, or (b) the cost of repair or replacement in like kind and quality.