Learn how travel insurance could help if your luggage misses your flight.
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This content is for all travellers except Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.
You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grounds to a halt… without your bag appearing.
That’s where Delayed Baggage Travel Insurance can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.
If your baggage is delayed more than 12 hours our policies cover the cost of:
It's important to remember that there are benefit limits and an excess will apply.
If your bags arrive less than 12 hours before they were supposed to you won’t be able to claim any expenses back. We also won’t cover:
First step is to speak to your carrier – the airline, train or bas carrier who was responsible for transporting you. You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information.
If it’s going to take at least 12 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and medicine to tide you over.
Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after.
There is also a maximum benefit limit for each 24 hours your baggage is missing and if it’s never located, any claims paid will be deducted from any successful lost baggage claim you subsequently make.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
Items you can claim if your bags are delayed:
Items that aren't covered if your bags are delayed:
I flew from Santiago (STI) to New York USa (JFK), when I arrived to destination Jet Blue Airways inform me that my bag was delayed. I am still waiting for my luggage.
Protect your hard earned vacation from unexpected cancellation before you leave home.
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Take the pain out of medical costs while traveling overseas.
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We'll get you to hospital quickly.
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Cover your stolen or damaged gear and tech.
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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?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
Before your trip, check the latest government advice for any travel alerts for your destination.