Womans phone getting stolen in subway

Does Travel Insurance Cover Me Against Theft?

Travel confidently with your cash and valuables overseas. Find travel insurance with cover against robbery 

Travelling with your camera, cash and other valuable items is essential for the modern traveller. Similarly, protecting such items is a major concern for Australian travellers as the risk of being robbed or pick-pocketed can be greater in some parts of the world.

What can travel insurance actually cover me for if am robbed?

Travel insurance policies have benefits known as personal belongings cover and theft of cash cover to help cover you in incidents of theft. Travel insurance can cover stolen:

  • Cash (from your person)
  • Cameras
  • Luggage
  • Laptops and tablets
  • Mobile phones
  • Jewellery
  • Sports equipment
  • Personal items
  • Passports and travel documents
  • Credit cards and fraud (in some cases)

What type of limits do travel insurers apply to stolen cash and property?

BrandCash coverItem coverApply
$250Maximum total cover of $15,000. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
AMEX Travel Insurance$250Maximum total cover of $15,000. The maximum amount covered for any item is:

  • Camera/ Digital recording device limit (Each item) $3,000
  • Laptop/ PC limit (Sub limit) $3,000
  • Mobile Phones (Sub limit) $1,500
  • Other items (Each item) $1,000
Get Quote
AIG$1,000Maximum total cover of $15,000. The maximum amount covered for any item is:

  • Camera, video camera, laptop computer equipment and set of golf clubs $3,000
  • Dental prostheses (including dentures) $1,000
  • Other items $600
Get Quote
Budget Direct Travel Insurance$400Maximum total cover of $7,500. The maximum amount covered for any item is:

  • Laptops, tablets, cameras and video cameras, mobile phones: $3,000
  • Single article limit / pair or set of items limit: $750
  • Valuables limit: $750
  • Any property (including specified items) which is lost or stolen from an unattended motor vehicle): $500
Get Quote
Citibank Travel Insurance$200Maximum total cover of $30,000. The maximum amount covered for any item is:

  • Item Limit $1,500
  • Video & Electrical Equipment $3,500
  • Jewellery, camera and video equipment and electronic equipment in the care of a transport provider $1,000
Get Quote
Columbus DirectNo amount statedMaximum total cover of $7,500. The maximum amount covered for any item is:

  • Single Article Limit $750
  • Valuables Limit (in total) $750
  • Total and per Article Limit for Personal Computers, Video Recorders or Cameras $3,000
Get Quote
CoverMore$100Maximum total cover of $6,000. The maximum amount covered for any item is:

  • Cameras and video cameras $2,500
  • Laptop and tablet computers $2,500
  • Other items $500
Get Quote
Downunder$500Maximum total cover of $5,000. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get quote
Easy Travel Insurance$250Maximum total cover of $12,000. The maximum amount covered for any item is:

  • Personal computer $6,000
  • Camera & video $4,000
  • Watches & jewellery $700
  • Dentures or dental prosthesis $800
  • Other items $700
Get Quote
Fast Cover $250Maximum total cover of $7,500. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
Go Insurance $500Maximum total cover of $7,500. The maximum amount covered for any item is:

  • Total Limit for Valuables and Electronic Equipment $4,000
  • Maximum per item, pair or set of Electronic Equipment $2,000
  • Maximum per item, pair or set $500
Get Quote
InsureandGo $500Maximum total cover of $8,000. The maximum amount covered for any item is:

  • Sub-limit for laptops, tablets, cameras, video cameras and mobile phones only $3,000
  • Single article limit/pair or set of items $750
  • Valuables limit $750
  • Any property (including specified items) which is lost or stolen from an unattended motor vehicle) $500
Get Quote
iTrek $500Maximum total cover of $7,500. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
MultiTrip Travel Insurance$500Maximum total cover of $8,000. The maximum amount covered for any item is:

  • Laptops, tablets, cameras and video cameras and mobile phones $3,000
  • Single article and items $750
Get quote
No Worries Travel Insurance$1,000Maximum total cover of $ 20,000. The maximum amount covered for any item is:

  • Laptops, cameras and video recorders $3,000
  • Valuables $1,000
  • Gold and Winter equipment $2,000
  • Unspecified items $1,000
  • Specified items $5,000 per item and $10,000 per person
Get quote
Simply Travel Insurance $500Maximum total cover of $7,500. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
Skiinsurance.com.au $250Maximum total cover of $5,000. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
Southern Cross $500Maximum total cover of $25,000. The maximum amount covered for any item is:

  • Unspecified laptops, personal computers, tablets and accessories: $3,000
  • Total unspecified jewellery and watches: $2,500
  • Other unspecified items (or pair or set of items): $1,500 maximum
  • Specified items (or a pair or set of specified items): $10,000 maximum limit per specified item, with a $15,000 maximum limit per Journey for all specified items
Tick Travel Insurance $300Maximum total cover of $7,500. The maximum amount covered for any item is:

  • Sub-limit for laptops, tablets, mobile phones, cameras and video cameras only $3,000
  • Single article limit/pair or set of items limit $750
  • Valuables limit $750
  • Any property (including specified items) which is lost or stolen from an unattended motor vehicle) $500
Get Quote
Travel Insurance Direct  $250Maximum total cover of $12,000. The maximum amount covered for any item is:

  • Laptops, tablets, cameras or video cameras $4,000
  • Unspecified items $700
  • For the Annual Multi Trip plan only a $5,000 limit applies to all business equipment
Get Quote
Travel Insurance Saver Logo $250Luggage, personal effects and travel documents maximum cover of $12,000. The maximum amount covered for any item (i.e. the item limit) is:

  • Personal computer individual item limit $6,000
  • Camera & video individual item limit $4,000
  • Watches & jewellery individual item limit $700
  • Dentures or dental prosthesis individual item limit $800
  • Other individual item limit $700
Get Quote
Travel Insuranz $400Maximum total cover of $5,000. The maximum amount covered for any item is:

  • Total limit for valuables per item, pair or set $1,000
Get Quote
Virgin Money$500Maximum total cover of $10,000. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
Woolworths Travel Insurance $250Maximum total cover of $10,000. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
Worldcare Travel Insurance  $250Maximum total cover of $12,000. The maximum amount covered for any item is:

  • Personal computers, video recorders or cameras $3,000
  • Mobile phones (including PDAs and any items with phone capabilities) $1,000
  • Unspecified items $750
Get Quote
youGo  $100Maximum total cover of $5,000. The maximum amount covered for any item is:

  • Cameras & video cameras $2,000
  • Laptop computers $2,000
  • Mobile phones & smart phones $500
  • Other items $500
Get Quote

Common exclusions of theft cover

Before you depart on your holiday, make sure you’re aware of the situations when travel insurance will not provide cover for robbery. These include:

  • If you are under the influence of drugs or alcohol when the robbery occurs
  • If you leave your items unsupervised in a public place and they are stolen
  • If you fail to take reasonable care to protect your cash, luggage and personal belongings and prevent yourself becoming a victim of theft
  • Some policies will exclude lost or stolen credit cards (and any resulting credit card fraud) from cover

It’s essential that you read the product disclosure statement (PDS) before you leave home so you know exactly when you will and won’t be covered.

shutterstock_345259556 (1)Am I covered if I'm hurt or injured in the robbery?

If you are hurt or injured as a result of robbery, you will be covered for emergency medical expenses (unless you have a non-medical travel insurance policy).

What should I do if I'm robbed?

Being robbed or having your valuables stolen overseas can be an upsetting and stressful experience. Here’s what you should do if you ever find yourself in this unpleasant situation:

  1. Health and safety first. If you're a hurt or injured, make sure you seek immediate medical attention. Get in touch with your travel insurance policies emergency response team as soon as possible as some hospitals may require a guarantee of payment.
  2. Reach out to the appropriate emergency contacts of your destination. Contact the police for a written report of the incident. This will be helpful when you make a claim on your travel insurance policy. If your passport was stolen, contact the nearest Australian embassy or consulate to get a new passport, organise an interpreter if required and ask for any advice you may need.
  3. Make alternative arrangements. If the thieves took your hotel room key, inform your hotel's staff. If your wallet was taken, cancel your credit cards straight away.
  4. Make a claim. When it comes to making a claim on your travel insurance, contact your insurer to report that you’ve been robbed. You will usually have to fill out a claim form with details of the incident and submit supporting documents such as police reports, receipts and proof of ownership.

Travel insurance brands 24/7 emergency contact numbers

Travel insurance providerReverse charge numberMore information
1Cover​+61 2 8016 9222​Details
American Express+61 2 8907 5666​Details
AIG​+60 3 2772 5592​Details
Budget Direct​+61 2 9333 3915​Details
Citibank​+61 2 8907 5666Details
Columbus​+44 20 7902 7405Details
Cover-More​+61 2 8907 5619Details
Down Under Insure​+61 7 3305 7499Details
Easy Travel Insurance+61 3 8523 2800Details
Fast Cover​+61 7 3305 7499Details
Go Insurance​+61 (0) 7 3481 9880Details
Insure and Go+61 2 9333 3999Details
itrek​+61 7 3305 7499Details
Multitrip.com.au​+61 (0)2 9333 3918Details
No Worries+44 14444 42026Details
Simply Travel Insurance​+61 7 3305 7499Details
Skiinsurance.com.au+61 2 8016 9222Details
STA Travel+44 151 559 3930Details
Tick Travel Insurance​+61 2 9333 3963Details
Travel Insurance Direct​+61 2 9234 3123Details
Travel Insurance Saver​+61 3 8523 2800Details
Travel Insuranz​+61 (0) 2 8907 5953Details
Virgin​+61 7 3305 7499Details
Woolworths+61 2 9333 3903Details
Worldcare​+61 7 3305 7499Details
youGo​+612 8907 5619Details

Don't forget these documents if you need to make a claim

Make sure you have any information that your insurer requires after a robbery. This could include:

  • Police reports. Make sure you get this within 24 hours.
  • Medical reports. This is essential if you have been harmed
  • Receipts of your stolen items. Without this, you might not be able to claim anything back.
  • Credit card statement. If your credit card has been stolen, then you will need this to prove any fraud.

Follow these tips to avoid being robbed

  • Avoid high-crime areas. While it’s not always possible to avoid tourist hotspots where petty crime is rife, do your research ahead of time and steer clear of dangerous neighbourhoods.
  • Don’t keep all your money in one place. Separate your funds throughout different pockets and different items of luggage. Carry a backup credit card so that you will still have access to funds if you are a victim of theft.
  • Be careful when using ATMs. ATMs are a prime target for thieves. Ask a friend to accompany you and keep an eye on your surroundings. Keep your PIN hidden and head to a busy public space if you think you’re being followed.
  • Keep a record. Before you leave home, make a list of everything you’re taking with you on your trip, especially valuables such as jewellery and electronic items. Take photos of each item as well so that you have a record of everything if something goes missing.
  • Photo ID. It’s also a good idea to keep photo backups of your licence, passport and visa in case they are ever stolen.
  • Make use of hotel safes. Your passport and money will be much better off in a safe than in your pockets or hidden under your socks in your suitcase.

Compare travel insurance with cover for robberies and stolen property

travel-confident

Picture: Shutterstock

Maurice Thach

Maurice is a publisher for finder.com.au. Daily research of Australia's insurance offerings allows him to breakthrough the noise of the many policies out there to uncover what can (and can't) be covered. Maurice hopes to make finding the right insurance easier for all.

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