Finder makes money from featured partners, but editorial opinions are our own.

Luggage Insurance

Want luggage only travel insurance? A non-medical travel insurance policy can cover you for just your luggage and trip cancellations.

From your wallet to your watch, you're probably taking lots of valuables on holiday without even realising. Find a travel insurance policy you can trust, and you'll have one less thing to worry about.

Compare luggage insurance from Australian travel insurance brands

BrandLuggage & personal effectsDelayed luggage Phone sublimitLaptop sublimitApply
Medibank logo$15,000$1,100$1,500$4,000
Bonus
Get quote
Freely Logo$10,000 $1,000$2,000$4,000
Bonus
Get quote
Zoom logo$7,500$250$1,000$3,000
Get quote
Fast Cover Logo$15,000$750$1,500$3,000
Finder AwardBonus
Get quote
Insure4less Icon$5,000$350$750$750
Get quote
Travel Insuranz Travel Insurance Logo$7,500$500$1,000$1,000
Get quote
InsureandGo Logo$15,000$750$3,000$3,000
Finder AwardBonus
Get quote
Tick Logo$7,500$400$3,000$3,000
Bonus
Get quote
World2Cover Logo
$15,000$750$1,000$3,000
Get quote
Covermore logo$25,000$1,500$2,500$5,000
Bonus
Get quote
southern cross travel insurance$25,000$1,000$1,500$3,000
Finder Award
Get quote
Travel Insurance Saver$12,000$500$1,000$4,000
Get quote
Easy Travel Insurance$15,000$1,100$1,500$3,000
Get quote
Qantas travel insurance$15,000$1,600$2,000$2,500
Bonus
Get quote
Stella travel insurance logo$10,000$300
Bonus
Get quote
australia post travel insurance$12,000$1,100$1,000$3,000
Get quote
1Cover Logo
$15,000$250$1,000$3,000More info
RACV Travel Insurance Logo
$15,000$750$1,000$3,000More info
Travel Insurance Direct Logo
$12,000$500$700$4,000More info
Travel with Kit Logo$6,000
More info
Travel with Jane Logo$6,000
More info

Note: This information was last updated August 2022

What is luggage insurance?

Luggage cover is a specific section of your travel insurance policy - it's designed to kick in if your belongings are accidentally lost, stolen or damaged during your trip.

While it sounds like luggage insurance just applies to what's in your suitcase, most of the belongings you take on the trip will also be included. So if you have your wallet pickpocketed while sightseeing in Rome, or you accidentally crack the lens of your new camera, you should be able to make a claim.

Most insurers also offer a benefit for delayed baggage under their luggage insurance - so if your airline accidentally sends your stuff to the wrong city, you should be able to get some cash back.

What's covered in luggage insurance?

Generally, you should expect to be covered if your personal belongings are lost, damaged or stolen while you're on holiday. This includes;

  • Luggage and personal effects
  • Daily expenses for delayed luggage
  • Theft of cash
  • Replacement of travel documents and credit card fraud (if you're lucky)

Of course, as with any insurance policy, there are some exceptions to the rule. For example, some companies won't pay out if you accidentally break a golf club on the green - but you'd probably be covered if your clubs were stolen from your hotel room.

What isn't included in luggage insurance?

Firstly, you can't just throw caution to the wind because you've got luggage insurance. Most policies won't pay out if you've been reckless with your stuff so remember to lock your doors, and don't leave your suitcase with strangers - that sort of thing.

Leaving stuff in the car is also a bit risky - most insurance companies won't let you claim for anything that was left in the car overnight and they usually put limits on things that were left in the car during the day. Even then, you'll probably only be able to claim if your items had been locked away in the boot.

Certain items are also excluded by different insurance policies - bicycles and drones are pretty common ones - so it's worth checking your product disclosure statement to find out what might not be included.

How much can I claim on my luggage insurance?

There'll be a maximum amount you can claim for your luggage - usually between $5,000 and $15,000 - depending on which insurance policy you choose.

However, some insurance policies will also have a limit on how much you can claim for specific items - so you might only be able to claim a maximum of $500 for your phone or $750 for your laptop. Not ideal if you're taking top of the line tech, but absolutely fine if you've only got an old phone and you're leaving your laptop at home.

What if I'm travelling with a high-value item?

Standard insurance policies set a limit to the amount they will pay out per item - but that doesn't mean you're out of options. Usually, you can add an item to your policy, essentially customising it for you. The policy will probably be more expensive, but could be worth it in the long run.

Can I get luggage only travel insurance?

In the past, some companies did offer luggage-only travel insurance, often for people who were travelling on a budget, but it's not something that's very popular anymore.

These days, you can usually find a full travel insurance policy for an affordable price anyway - so you'll be covered for things like medical expenses and trip cancellations, as well as lost or damaged luggage.

Compare insurers that offers more than luggage insurance

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)


By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

More guides on Finder

Go to site