Travel insurance for luggage and personal effects
While your own safety is your number one priority, knowing your luggage is covered is also important. Learn what cover is available for your belongings.
15%^ off travel insurance for nib Health members
How could my luggage and personal effects be covered?
While we can’t guarantee that nothing will happen to your luggage on your trip, if for some unexpected reason your luggage doesn’t make it to your destination with you, it’s damaged, or permanently lost or stolen, travel insurance may be able to help.
Get cover for luggage and personal effects on:
International plans: Comprehensive, Essentials and Multi Trip plans
Domestic plan
Cover may help if:
Your luggage, personal effects, or valuables if, during the period of cover for your journey, they are stolen, accidentally damaged, or permanently lost, unless they are:
left in any vehicle;
sporting equipment while it is in use; or
valuables that have been:
left in a vehicle at any time (even if they were in a concealed storage compartment); or
checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus, including any loss or damage that occurs after check-in but before you collect your items from the designated collection area.
In which case no cover will be provided under this benefit.
Sub limits apply for the above.
What’s covered will depend on the plan you purchase, so it’s worth considering the value of the personal belongings you plan to take with you and how much cover you’ll need.
Making a claim
If it’s an emergency: call the Emergency Assistance team. For other questions, contact us.
Keep all reports and documents for your claim: contact local police as soon as possible after you realise something was lost, stolen or vandalised and make a police report, and contact the transport company (carrier), hotel or tour guide, whichever is appropriate, and request reports or documentation recording the loss or damage. You may need to provide any documents or letters relating to a claim such as original receipts, rental agreements, repair quotes, ticket and luggage checks, at your own expense.
Depreciation: When taking into consideration the age of a covered item we will deduct the following amounts from our settlement for each item you have claimed. More information on how we calculate depreciation can be found in the PDS.
^The discount applies to current nib and GU Health members, current nib Thrive participants and other eligible nib member cohorts who are eligible to purchase and are issued a nib Direct Travel Insurance policy. The discount is not available to nib International Students and Worker members, customers of nib partner-branded products, free members, or former or inactive members or participants. The discount applies to new policy purchases and is based on standard premium rates, including optional covers. It applies automatically upon successful input of a valid membership number, participant number or promotional code, as applicable, and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey. Contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.
nib Life Pty Ltd ABN 91 003 037 625 AR 321683 (nib) arranges this insurance as authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. nib, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Any advice is general only. You should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies/. nib and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.