Get luggage cover and compensation from delayed baggage, loss, or damage. Discover InsureandGo’s competitive limits, quick claims, and 24/7 support. Compare travel insurance plans today.
Whether you’re travelling light or packing everything but the kitchen sink, your belongings come along for every step of the journey. It’s important you have a Plan B if they’re lost, damaged or stolen.
Luggage cover helps safeguard the personal items you take away with you. It’s an essential part of your travel insurance policy, giving you added peace of mind.
From replacing lost, stolen or damaged belongings to covering the cost of essential items if your bags are delayed, luggage cover helps ensure you’re not out of pocket should the unexpected happen.
And if something does happen to your belongings while you’re away, our online
Luggage Cover FAQsIf you choose a Silver or Gold policy, delayed baggage is covered§. We’ll reimburse the reasonable cost of essential items if your baggage is delayed by an airline or transport provider for more than 8 hours during your trip.
With a Silver policy, you can claim up to $500, available for delays of 24–72 hours.
With a Gold policy, you can claim up to $750, including up to $200 for delays of 8–24 hours and up to $500 for delays of 24–72 hours.
You must get written confirmation of the length of the delay from your airline or transport company and keep the receipts for any personal items you buy.
Standard luggage cover includes sports equipment, but breakage while using the equipment isn’t covered. If you want additional protection for winter sports equipment, you can add the Winter Sports Cover, which includes cover for breakage while in use, up to the limits shown in the Table of Benefits§.
No. Drones and other unmanned flying objects are not covered for breakage or scratching while they are being used. You may be covered if the drone is lost or stolen during your trip, but not for damage that happens while it’s in operation.
If your belongings are lost, stolen or damaged, you must be able to provide proof of ownership. The insurer is under no obligation to make a payment without evidence that the item belonged to you.
For delayed baggage expenses or for replacing travel money or documents, you must keep receipts and proof of the costs incurred. You must also provide proof of ownership for any stolen personal money before a claim can be paid.
Your belongings won’t be covered if they’re left unattended, for example, in a public place or with someone you don’t know.
However, this exclusion does not apply if you had to leave your belongings behind due to an unavoidable emergency, such as needing urgent medical assistance that requires you to leave the area immediately.
Insure&Go is rated 
4.2 from 7,000+ reviews
§ Subject to limits, sub-limits and exclusions that may apply. For full details and before making a decision, consider the relevant Combined Product Disclosure Statement and Policy Wording and Financial Services Guide (PDS) available here.
1 More information about our awards can be found here.
Travel with added confidence knowing you’re prepared. Insure&Go’s travel luggage insurance policies could provide you with cover§ for:
Insure&Go offers different levels of cover for lost, damaged or stolen baggage, depending on the policy you choose.
| Bare Essentials | Silver | Gold | |
|---|---|---|---|
| Single-Trip Domestic | $2,000 total. No electronics, valuables or money. Single item limit $500. No delayed baggage cover. |
$5,000 total. Electronics up to $2,000. Valuables up to $500. Money up to $250. Delayed baggage up to $250. |
$8,000 total. Electronics up to $3,000. Valuables up to $750. Money up to $500. Delayed baggage up to $500. |
| Single-Trip International | $5,000 total. No electronics, valuables or money. Single item limit $500. No delayed baggage cover. | $7,500 total. Electronics up to $2,000. Valuables up to $500. Money up to $250. Delayed baggage up to $500. | $15,000 total. Electronics up to $3,000. Valuables up to $750. Money up to $500. Delayed baggage up to $750. |
| Annual Multi-Trip | $5,000 total. No electronics, valuables or money. Single item limit $500. No delayed baggage cover. | $7,500 total. Electronics up to $2,000. Valuables up to $500. Money up to $250. Delayed baggage up to $500. | $8,000 total. Electronics up to $3,000. Valuables up to $750. Money up to $500. Delayed baggage up to $750. |
| Single-Trip Cruise | $5,000 total. No electronics, valuables or money. Single item limit $500. No delayed baggage cover. | $7,500 total. Electronics up to $2,000. Valuables up to $500. Money up to $250. Delayed baggage up to $500. | $15,000 total. Electronics up to $3,000. Valuables up to $750. Money up to $500. Delayed baggage up to $750. |
More than 2 million Australians have chosen InsureandGo for added peace of mind on their adventures.
If your luggage is lost, stolen, damaged or delayed while you’re travelling, it’s important to act quickly and ensure you have all the right documents to make a claim. Here’s what you need to do:
If your belongings are lost, stolen or damaged, you must get a written report from the relevant authority within 72 hours, or as soon as reasonably practicable.
Written reports could take the form of:
For delayed baggage, you’ll also need written confirmation of the length of the delay from the airline or transport provider.
You’ll need to provide proof of ownership for any items you’re claiming for, such as receipts, invoices or valuation certificates.
For delayed baggage claims, keep receipts for any essential items you purchase while waiting for your luggage.
If you’re claiming for a mobile phone, you must be able to provide the IMEI number (International Mobile Equipment Identity). You’ll also need to have the IMEI blocked by your telecommunications provider before a claim can be paid.
Log in to our Claims portal to submit your claim online and upload your supporting documents. Claims should be submitted within 30 days of the end of your trip.
Alternatively, you can download a claims form and email the completed form, along with copies of your supporting documents, to claims@insureandgo.com.au
If you need any help making a claim for your belongings, you can call our claims team on +61 2 7201 9532
If you need claim forms or have any questions, please get in touch with our team
Protect your belongings wherever you’re headed, with Insure&Go’s award-winning1 travel insurance.
Explore cover options for Travel Delays – cover for essential food, drinks, and accommodation costs if your travel is delayed 12+ hours. Compare travel insurance plans & get a quote now.
There’s nothing more frustrating than travel delays. Not only is your trip put on hold, but you may find yourself stuck at an airport for hours – or even needing to spend an extra night or two in a hotel – while you wait to get back into the air.
Travel delay cover included as part of your Silver or Gold travel insurance policy – can help reduce your costs when a pre-booked flight is delayed by more than 12 hours, as long as you checked in at or before the recommended time.
Part of the necessary additional food, drink and accommodation costs you incur as a result of your travel and flight delays may be compensated, so those delays don’t do too much damage to your holiday budget.
Travel Delay cover FAQsA Travel Delay must last more than 12 hours on a pre-booked leg of your trip. If the delay reaches 12 hours, we may reimburse your necessary additional meals and accommodation expenses, up to the limits shown in the Table of Benefits, as long as you eventually go on the
holiday.
Sub-limits apply for each completed 12-hour period.
Travel Delay cover doesn’t apply in certain situations. This includes:
Limits, sub-limits, exclusions and conditions are outlined in the PDS under “What you are not covered for.”
Yes. You must keep all receipts for the additional meals and accommodation expenses you’re claiming, and you must get a written statement from the airline confirming the reason for the delay and how long it lasted.
Claims may not be paid if you’re unable to provide receipts for the expenses incurred.
No. You must have checked in for your trip at or before the recommended time to be eligible for Travel Delay cover.
Yes. To be eligible for Travel delay benefits, you must eventually continue with your holiday. The benefit does not apply if you abandon the trip entirely due to the delay.
Cover due to flight delay only applies when a pre-booked leg of your trip is delayed by your airline for more than 12 hours. It doesn’t apply if your travel is delayed because you or a travelling companion become unwell. However, other sections of your policy may help if illness or injury affects your travel plans.
Insure&Go is rated 4.2 from 7,000+ reviews
§ Subject to limits, sub-limits and exclusions that may apply. For full details and before making a decision, consider the relevant Combined Product Disclosure Statement and Policy Wording and Financial Services Guide (PDS) available here.
1 More information about our awards can be found here.
Don’t let travel delays disrupt your trip more than they should. With Travel Delay cover, some of your travel delay costs could be compensated.
Insure&Go offers different levels of travel delay cover depending on which insurance policy you choose. Our Bare Essentials policies do not include the Travel Delay benefit.
| Bare Essentials | Silver | Gold | |
|---|---|---|---|
| Single-Trip Domestic | Nil | Up to $50 per completed 12 hours up to $500 | Up to $50 per completed 12 hours up to $1,500 |
| Single-Trip International | Nil | Up to $50 per completed 12 hours up to $1,000 | Up to $150 per completed 12 hours up to $3,000 |
| Annual Multi-Trip | Nil | Up to $50 per completed 12 hours up to $1,000 | Up to $100 per completed 12 hours up to $2,000 |
| Single-Trip Cruise | Nil | Up to $50 per completed 12 hours up to $1,000 | Up to $150 per completed 12 hours up to $3,000 |
It’s simple to make a claim with Insure&Go if your travel is delayed for one of our covered reasons. You must register any claim within 30 days after completion of your travel. If you do not lodge your claim within 30 days, your claim settlement may be reduced.
You must provide evidence that you have suffered a loss under the terms and conditions of the policy. We are under no obligation to make payment without this proof of ownership (where relevant) and proof of claimable event.
Here’s how to make a claim:
Link here: eClaims portal
This could include:
You must submit your claim within 30 days of the end of your trip.
Alternatively, you can download a Claims form and email the completed form back to us, with copies of your supporting documents, at claims@insureandgo.com.au
If you need claim forms or have any questions, please get in touch with our team
Prepare yourself against Travel Delays with Insure&Go’s award-winning1 travel insurance.
InsureandGo Australia is a leading travel insurance specialist dedicated exclusively to preparing Australians for their adventures at home and abroad.
While we share a name with our UK and Irish counterparts, InsureandGo Australia is a distinct entity designed specifically for the unique needs of the Australian market. From our headquarters in Sydney, we create policies that reflect the way Australians travel, whether it’s a quick trip to Bali, a domestic cruise, or a year-long trek through Europe.
Since launching in Australia in 2012, we have focused on one thing: providing comprehensive, great value cover that’s easy to understand and puts the needs of travellers first.
At InsureandGo, we don’t just sell policies; we deliver added peace of mind. Our reputation is built on a foundation of medical care and support, fast claims handling, and award-winning service.
When you are thousands of kilometres from home, you need to know you have the global support you can rely on.
InsureandGo Australia is a fully owned subsidiary of Europ Assistance. Europ Assistance is a global leader in assistance and travel insurance. We support customers in over 200 countries with an extensive network of approved providers, through a range of services: travel insurance & medical assistance, roadside & mobility assistance, home & living, health, senior care, and concierge services. Founded in 1963, Europ Assistance is the pioneer of the assistance service concept and part of the Generali Group.
Travel insurance is about support when you need it most, and we are here to help you through the unexpected.
Got questions about Insure&Go? We’ve answered some of the most common ones below.
No. InsureandGo Australia is a separate entity with its own local underwriting, tailored specifically for the unique needs of the Australian market.
Our policies are underwritten by Mitsui Sumitomo Insurance Company, Limited (MSI), a global leader in the insurance sector, ensuring your policy is backed by world-class financial security.
You can lodge a claim 24/7 via our online portal or contact our claims team during business hours.
For emergencies, connect with us on phone: +612 9333 3999 or email: assistance@insureandgo.com.au, for 24/7 emergency assistance.
