Travel insurance for luggage delays
Some travel insurers can pay you up to $1,500 for delayed luggage so you can buy essential items and keep your trip disruption to a minimum.
![Image: Supplied Travel Insurance](https://www.finder.com.au/finder-au/wp-uploads/2019/02/Travel_Insurance_Supplied_1800x1000.jpg)
Brand | Maximum benefit paid for delayed luggage | Apply |
---|---|---|
![]() Medibank |
| Bonus |
![]() Freely |
| Bonus |
![]() Freely |
| Get quote |
![]() Zoom |
| Get quote |
![]() Fast Cover |
| Finder AwardBonus |
![]() Insure4less |
| Get quote |
![]() Travel Insuranz |
| Get quote |
![]() |
| Finder AwardBonus |
![]() |
| Bonus |
![]() World2cover |
| More info |
![]() Cover-More |
| Bonus |
![]() Southern Cross |
| Finder Award |
![]() Travel Insurance Saver |
| Get quote |
![]() Easy |
| Get quote |
![]() 1cover |
| More info |
![]() Australia Post |
| Get quote |
![]() Webjet |
| More info |
![]() World Care |
| More info |
Note: This information was last updated July 2022
If your luggage was delayed, your insurance policy can help pay for essentials. The amount paid, and how it’s paid, varies depending on the insurer and the policy you get.
Don’t confuse this type of cover with travel delay cover. Travel delay cover protects you when you or your transport doesn’t arrive. Luggage delay cover is also not the same as general luggage and personal effects cover, which covers you if your bags are stolen or permanently lost. Luggage delay cover is an allowance for the essentials you need to buy while waiting for your bags.
If your luggage is delayed, inform your insurer as soon as you can and get a written confirmation of the delay from your airline. With the right policy, you can then get reimbursed for essentials, such as clothing, toiletries or other necessary items, that you bought while waiting for your bags to arrive. This type of claim is generally excess-free.
Your policy won’t pay for non-essential items such as fragrances, alcohol, sporting equipment or entertainment items.
To make sure your allowance for essentials is high enough, most policies will typically increase the allowance based on the number of people covered by your travel insurance.
If your bags never arrive, then you need to start looking at getting reimbursed for what was lost.
In certain situations, depending on your insurer and your policy, your claim may be denied. Your insurance will not pay out in the following situations:
"It's worth noting that, if your luggage never turns up and you make a claim for the lost or stolen bags, your payout may be reduced by the amount you've already claimed under your delayed luggage allowance."
Once the amount of time specified by your policy has passed and your bags still haven’t arrived, you may start claiming the cost of essentials.
Save your receipts because you’ll need to show how much you spent and that you bought them within the appropriate timeframe.
You also need to contact your carrier and get them to provide a written statement confirming that there was a luggage delay, the reason for the delay and the time your bags eventually arrived.
Receive free quotes for travel insurance with cover for luggage delays
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