Will delayed baggage be covered?

If 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.

Is high-value sports gear covered?

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 § .

Are drones covered while flying?

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.

What if I have no receipt?

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.

What if my belongings are left unattended?

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.

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Luggage Insurance

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Travel Insurer

+2 Million Aussie Travellers
covered so far

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What is lost luggage cover?

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

Types of luggage cover

Lost, stolen or damaged baggage cover

Delayed baggage cover

Lost, stolen or damaged high-value item cover

Lost, stolen or damaged money cover

Lost, stolen or damaged passport & travel documents cover

21 day cooling-off period

Travel with added confidence knowing you’re prepared. Insure&Go’s travel luggage insurance policies could provide you with cover^§ for:

Lost, stolen or damaged baggage cover

There’s nothing more annoying than something going missing or being damaged while you’re away. With InsureandGo, your personal belongings may be covered if they’re lost, stolen or damaged during your trip. The amount you’re covered for depends on the level of cover you’ve selected.

Delayed baggage cover

Arrived at your destination, but your luggage hasn't? If your baggage is delayed by an airline or transport provider for more than 8 hours, we’ll reimburse the reasonable cost of essential items you need while you wait for it to turn up. You must get written confirmation from the airline or transport company, and keep all receipts (not available on Bare Essentials policies).

Lost, stolen or damaged high-value item cover

Want extra protection for something special? Depending on the type of policy and level of cover you choose, you can add Specified Items Cover for certain high-value belongings by paying an additional premium. This optional upgrade lets you list individual items for extra protection (not available on Bare Essentials plans).

Lost, stolen or damaged money cover

If your money is lost or stolen during your trip, we’ll pay up to $500 to replace it. You’ll need to provide proof of ownership for any money claimed, as we can’t make a payment without this (not available on Bare Essentials policies).

Lost, stolen or damaged passport & travel documents cover

We can pay up to $5,000 to replace your passport, visas, travellers' cheques and credit cards if they’re lost, stolen or damaged during your trip. This also includes the costs you incur to obtain a replacement passport so you can get home (not available on Bare Essentials policies).

Lost luggage coverage highlights & limits

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.

Why choose Insure&Go for lost luggage cover?

More than 2 million Australians have chosen InsureandGo for added peace of mind on their adventures.

Award-Winning Travel Insurance¹

We’ve earned 20+ industry awards in the last decade. In 2025, we were awarded Best for Seniors Travel Insurance by WeMoney, Outstanding Value for International and Seniors Travel Insurance by Canstar, and Trusted Brand for Travel Insurance by Finder.

Multiple Cover Options

Insure&Go offers flexible, comprehensive travel insurance packages for solo
travellers, couples, families and seniors. Get cover for domestic and international trips, with single and annual multi-trip plans available, and cover for cruises. Our three levels of cover – Bare Essentials, Silver and Gold – allow you to choose the cover that best suits your needs.

24/7 Emergency Assistance

Travel knowing you’re covered by a 24/7 global assistance team. InsureandGo is backed by Europ Assistance, giving you access to more than 750,000 assistance providers in over 200 countries. Call us any time: +61 293 333 999

Fast Online Claims

Submit your claim online and get support when things don’t go to plan. Prefer it through? Email us at claims@insureandgo.com.au or call us for support on +61 2 7201 9532.

How to make a claim for lost, stolen or damaged luggage

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:

Start a Claim

Step 1: Report the incident as soon as possible

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:

the police (for theft or loss), or
your airline, transport provider or tour operator (for lost, damaged or delayed baggage).

For delayed baggage, you’ll also need written confirmation of the length of the delay from the airline
or transport provider.

Step 2: Keep all supporting documents

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.

Step 3: Submit Your Claim

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

Contact Details

Contact Us

If you need claim forms or have any questions, please get in touch with our team

Phone: +61 2 7201 9532
Email: claims@insureandgo.com.au

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Protect your belongings wherever you’re headed, with Insure&Go’s award-winning¹ travel insurance.

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