Travelling means new cultures, amazing sights and great experiences, and while your own safety is your number one priority, knowing your luggage is safe and sound is also pretty important.
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.
nib Travel Insurance offers cover for luggage and personal effects on:
nib Travel Insurance cover may help if:
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.
For travel outside Australia including on Australian coastal and territorial waters
(Applicable limits per adult)
|Cancellation and Additional Expenses Plan|
For travel within Australia only (excludes Australian coastal and territorial waters)
(Applicable limits per adult)
|Comprehensive||Essentials||Annual Multi Trip||Australian Travel Plan||
Cancellation and Additional Expenses 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|
Travel insurance is designed to help for those unexpected events that can take place while travelling. 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. Some things we don’t cover include:
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.
Obtain any appropriate reports and documentation: 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.
If it’s an emergency: call our nib International Assistance.
If you need to make a claim, you can do it online anywhere, anytime. And we'll work to assess it as quickly as possible.