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1. Report it to your carrier

Once you realize that your luggage is missing, report it immediately to the carrier — your airline or tour operator, for example. Get a written Property Irregularity Report (PIR) as a confirmation of the delay.

2. Ask for compensation

Check with your carrier to see if you qualify for any compensation such as for the cost of basic personal items while you wait for your bags to be returned. You should keep a copy of the exchange with your carrier that confirms or denies any coverage.

3. Keep your receipts

If you're not compensated by the carrier, you may qualify for travel insurance coverage should the delay be a minimum of 12 hours — and if it doesn't happen on your return flight home. Keep the original receipts for any basic personal items you purchase such as toothbrushes, presciption medication or a change of clothes.

Before you go shopping for designer jeans or a new ballgown, remember that your plan has limits on what's considered a reasonable expense and on the amount of coverage allowed per day. Read your policy carefully and contact us if you have any questions on what might be covered. (You would't believe some of the outrageaous claims we've seen!)

4. Get a second report

Once you get your luggage, get written confirmation from the carrier confirming the length of the delay. As mentioned above, that period counts as at least 12 hours after the scheduled arrival time. You won't qualify for any reimbursements for under that amount of time.

5. Prepare your claim

Read over your insurance policy to see what's covered and to check if any terms, conditions or exclusions apply. With World Nomads, you can file your claim on the web site and send in any supporting documentation afterwards. You should make your claim no later than 20 days from the incident and provide documentation within 90 days.

If you have questions about coverage or the claims process, just ask us.

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.

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