Wherever your passport takes you, your luggage comes too. From the clothes you packed to the camera and smartphone that’ll capture moments to remember, your belongings are part of the journey.
Why should I consider travel insurance for my luggage?
Exploring new destinations is part of the thrill. But travelling from A to B also means your belongings can sometimes end up somewhere else entirely. With TID travel insurance for luggage and personal effects, you can travel knowing your items may be covered if they’re lost, stolen, or accidentally damaged.
Protection against theft and loss
Luggage can be lost or stolen during transit, especially during flights with multiple connections. Personal items such as cameras, smartphones, and laptops are common targets for theft. Travel insurance for lost luggage may offer financial protection so you can keep travelling, even if your bags don’t.
Travel insurance cover for accidental damage
Accidents happen, and items like electronics, clothing, sports gear, and souvenirs can be damaged. TID travel insurance may help with repair or replacement costs.
Reimbursement for emergency essentials
If your luggage is delayed in excess of 10 hours, you may be reimbursed for emergency essentials, like clothes and toiletries. Baggage delay cover means you’re not left waiting without what you need. This is a summary only. Cover is subject to the terms, conditions, limitations, and exclusions of the PDS. Consider the PDS and TMD before purchasing.
What does travel insurance cover for luggage?
What’s covered under travel insurance for luggage and personal effects:
✅ Accidental loss, theft of, or damage to luggage or personal effects, including things you buy during the trip (when accompanying you during your trip).
✅ Loss of, or damage to, dentures or dental prostheses while not in your possession.
✅ Medical consultation fees to replace prescription medication that’s lost, stolen or damaged, plus the cost of the medication itself.
✅ Theft of luggage or personal effects from a locked motor vehicle, motorhome, or caravan with proof of forced entry.
✅ Theft or damage to items kept in a locked storage facility, with proof of forced entry.
What's not covered under baggage insurance
It’s important to know the limits of travel insurance cover. While TID travel insurance for luggage and personal items may cover a lot, here’s what’s typically excluded:
❌ Luggage and personal effects left unattended.
❌ Personal electronics (laptops, cameras, smartphones), jewellery and watches left in a motor vehicle or checked in as luggage.
❌ Watercraft of any type (except surfboards when stolen or damaged while in custody of a carrier).
❌ Sporting equipment when in use.
Cover for valuable items
If your belongings exceed standard sub-limits, you can purchase the ‘Specified items option’ when buying travel insurance. Specifying high value items also avoids having depreciation applied if you need to claim.
An excess still applies, unless you’ve paid to reduce it, and receipts are required to confirm proof of ownership and value.
Cover for sporting equipment
Sporting equipment may be covered if it’s stolen, accidentally lost or damaged, but not when in use.
Important: Snow sports equipment is only covered if you have selected the Snow Sports Cover option and paid the additional premium.
Still unsure about your coverage and need help with getting your questions answered?
Get in touch and we can help clear things up for you or you can read our top FAQs.
What information do I need to make a claim?
If your gear is lost, stolen, or damaged, you’ll need to provide documentation such as receipts, reports, and proof of ownership. Learn more about making a claim in a few easy steps.
What to do if your luggage is lost overseas
If you are robbed
Travel insurance for theft requires you to:
- Report the incident to the police or relevant authority as soon as possible.
- Get an official report (or other official written documentation).
- Report theft that occurs on public transport or in accommodation to the relevant authority.
- Document all damage or forced entry and take photos.
- Keep all receipts.
If you lose an item
Report the loss to the police or other appropriate authority as soon as you can.
If luggage is lost on transport or in accommodation
Provide documentation from the transport operator, accommodation, or police.
Proof of ownership and value
Provide receipts. If you don’t have receipts, you can provide bank statements. There may be alternative options depending on your circumstances that we may use to confirm ownership and value.
Understanding your excess
An excess applies to each luggage and personal effects claim unless you’ve paid to remove it. Your Certificate of Insurance outlines the exact amount.
How much can I claim for lost luggage
The Schedule of Benefits maximum payable per adult traveller, and any applicable item limits for your chosen plan shows the maximum payable per adult traveller. Limits aren’t increased for children. TID won’t pay more than the original purchase price, even if the benefit limit is higher.
After accounting for wear, tear, and depreciation, TID may repair the item, replace it, or pay its depreciated value in cash.
Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one. If you're taking some time to explore your own backyard, our Domestic plan protects you for trips within Australia. It can cover you for car hire excess, lost or stolen valuables and cancelled accommodation. Our most popular plan, The Works offers broad cover for international trips including cover for costs such as unlimited medical expenses for up to 12 months and cancellation as well as added benefits. Sticking to a shoestring budget? The Basics plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank. Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trips you can take during a 12 month period. This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.Travel insurance plans for every type of holiday
Domestic
The Works
The Basics
Annual
Frequently asked questions about lost, stolen or damaged, luggage and personal items
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.