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Travel insurance for luggage and personal effects
While your own safety is your number one priority, knowing your luggage is safe and sound 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 Annual Multi Trip plans
Domestic plans: Australian Travel Plan only
Cover may help if:
Your luggage and personal effects that are accompanying you on your trip are accidentally lost, stolen or damaged – this includes new items you buy while on holiday.
If your dentures or dental prostheses are accidentally lost or damaged when they are not with you, while on your trip.
Your medical prescription is lost, stolen or damaged and you incur a cost to get new medication.
Your luggage or personal effects are stolen or damaged when:
You’ve left them concealed in a locked motor vehicle, motor home or caravan, and they are stolen or damaged during daylight hours. (Must be proof of forced entry into the vehicle for this cover to apply).
You’ve left them in a locked storage facility. (Must be proof of forced entry into the facility).
What’s covered will depend on the plan you purchase, so it’s worth considering the value of the personal effects you plan to take with you and how much cover you’ll need.
Summary of luggage and personal effects cover by plans
Benefit | Comprehensive | Essentials | Annual Multi Trip | Australian Travel Plan | Cancellation and additional expense plan |
|---|---|---|---|---|---|
Luggage and personal effects maximum limit | $12,000 | $5,000 | $12,000 | $4,000 | Not insured |
Personal computer, camera, video individual item limit | $4,000 | See Individual item limit | $4,000 | $1,000 | Not insured |
Smartphones individual item limit | $1,000 | See Other individual item limit | $1,000 | $1,000 | Not insured |
Other individual item limit | $700 | $500 | $700 | $500 | Not insured |
Emergency luggage | $500 | $200 | $500 | $500 | Not insured |
Stolen cash | $250 | Not insured | $250 | Not insured | Not insured |
Hiring replacement golf and surf equipment | $200 | Not insured | $200 | $200 | Not insured |
Replacement passports and travel documents | $3,000 | $1,000 | $3,000 | Not insured | Not insured |
Fraudulent use of credit or debit cards | $3,000 | Not insured | $3,000 | $3,000 | Not insured |
This is a summary of cover only and does not include the full terms, conditions, limitations and exclusions as outlined in the Product Disclosure Statement.
What's not covered?
Travel insurance is designed to help for those unexpected events that can take place while travelling. Some things we don’t cover include:
Fraudulent, criminal or dishonest acts by you or a member of your travelling party – this includes if you or a member of your travelling party fraudulently use credit cards.
Intoxication – if you or a member of your travelling party is intoxicated with drugs or alcohol and it causes the loss or damage to your personal effects, it may not be covered.
Damage to computer, tablet, smartphone screens or software or applications at any time.
Luggage or personal effects transported separately from you.
Luggage or personal effects for which you are entitled to compensation from the carrier – you may need proof that you have applied to the carrier for compensation and the outcome of that application for any claim you may make.
Unattended or unprotected luggage or personal effects.
Your computers, smartphones, communication or camera equipment, electronic equipment, jewellery or watches left by you in a motor vehicle, a motor home or a caravan for any length of time, even if they are locked in.
Personal computers, smartphones, communication or camera equipment, electronic equipment, jewellery or watches checked in as luggage.
There are some things we’re just not able to offer cover for
Please check carefully and read the Policy Disclosure Statement for the full details so you understand the cover available and all exclusions.
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: once you’ve made a claim and it’s been accepted, the value of your claim may then depreciate. The depreciation amount will depend on how old the item is and how much its original purchase price was. How to calculate deprecation is outlined in your policy.
Need to make a claim?
If you need to make a claim, you can do it online anywhere. And we'll work to assess it as quickly as possible.
Frequently asked questions about luggage and personal effects
nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.
*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.